Table of Contents

BJTM COMPANY PERFORMANCE 9M17

ANALYST MEETING QUARTER III 2017

IR BJTM
1
 Table of Contents
Description Page

Agenda Cover

Table of Contents 2

Overview 2017 3–5

Business Plan 2017

judul 6 – 10

Appendix 11 – 31

- Macro Economy Review 12

- Balance Sheet, Profit & Loss 13 – 14

- Financial Ratio 15

- Third Party Fund, Loan, & NPL 16 - 19

- Management 20 – 22

- Strength 23 – 31

Contact 32

2
IR BJTM
OVERVIEW

3
IR BJTM
 Financial Performance

Balance Sheet 9M16 9M17 YoY Profit & Loss 9M16 9M17 YoY
In million Rp In million Rp

Interest Income 3.602.892 3.589.269 -0,38%

Asset 50.154.863 53.837.669 7,34%

Interest Expense (1.061.487) (962.041) -9,37%

Loan 29.625.095 judul3,62%
30.696.964
Net Interest Income 2.541.404 2.627.227 3,38%

- Commercial 7.364.883 6.853.404 -6,94%

Provision for Impairment (379.842) (144.883) -61,86%

- SME 3.144.384 3.075.882 -2,18% Net profit 836.577 1.013.778 21,18%

- Consumer 19.115.827 20.767.677 8,64% Ratio 9M16 9M17 Ratio 9M16 9M17

ROA 3,09% 3,61% BOPO 71,15% 64,89%

Third Party Fund 41.165.605 43.987.520 6,86%

ROE 20,14% 20,51% CAR 22,43% 22,85%

- Current Account 16.720.120 16.253.451 -2,79%

NIM 6,70% 6,82% COF 2,78% 2,34%

- Saving Account 12.242.308 13.608.183 11,16%

- Time Deposit 12.203.176 14.125.885 15,76% LDR 71,97% 69,79% CASA 70,36% 67,89%

In million Rp 4
IR BJTM
 Non Performing Loan
Loan & Impairment Composition
NPL 9M16 9M17
Information
27.778 28.660

NPL Gross 4,92% 4,92%

NPL Net 1,04% 0,72%

Coverage
84,18% 91,87%
In Billion Rp Ratio

41 Consumer’s
57 0,89% 0,76%
Collectibility 1 NPL
391 37 526 40
Collectibility 2
94 57 53 27
Collectibility 3 Commercial’s
61 28 55 29 14,16% 16,26%
Collectibility 4 NPL
1.301 1063 1.403 1236
Collectibility 5
9M16 9M17
Loan Impairment Loan Impairment SME’s NPL 7,29% 7,74%

NPL
• Collateral sold in auction 15,65 billion rupiah, from 99 billion rupiah auction registered.
• Extracomptable or write-off collection result to 48,06 billion rupiah, from 150 billion rupiah 5
targeted.
IR BJTM
BUSINESS PLAN 2017

6
IR BJTM
 Business Plan

Growth
Description
2015 2016 2017 E

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

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

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

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

Financial Ratio

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

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

- NPL Gross 4,29% 4,77% 3,80%

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

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

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

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

7
IR BJTM
 Networks Plan

NETWORK SHARIA
Network 2011 2012 2013 2014 2015 2016 9M17 PLAN PLAN
2017 2017

Head Office 1 1 1 1 1 1 1 1

Territorial Office - - - - - - - 4

Branch Office 41 41 41 43 45 47 48 1

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

Cash office 164 164 176 165 185 190 193 16 2

Sharia service
47 47 47 97 97 191 191
office

Payment Point 115 138 155 167 171 181 182 21 7

Mobile cash 61 63 65 68 71 85 88 7

CDM 1 1 1 2 2 2 2

ATM 262 368 479 595 688 703 714 46 18

Total network 759 904 1.072 1.291 1.425 1.566 1.585

“Laku Pandai” Agent

158
(Branchless Banking)

8
IR BJTM
 Strategies
Credit
• Cooperate with educational institutions to accelerate financing.
• Have an active role in infrastructure financing in East Java through syndicated loan
regarding to Prudential and Regulated Banking Principles.
• Increasing number of Multipurpose Loan by giving 13% interest rate promotion to new
debtors.
• The potential of productive credit is still high, cooperating with other institutions (Avalist,
UMKM database and cooperative in East Java) and maximizing credit expansion in 60
Micro Units.
• Encourage Branch Offices to communicate actively with local Governments in order to
seek opportunities for regional investment financing.

Non Performing Loan

• Cooperative settlement by giving time to the debtor to sell his assets personally, offering
interest payments for redemption, or partial sale of assets.
• Handling of core debtors NPL specifically.

IR BJTM 9
 Strategies
Third Party Fund
• The Bank conducts intensive cross selling and marketing, especially to the current
account beneficiaries so that the funds do not move to the other banks (remain
transacted in Bank Jatim)
• Developing products based on Customer Need:
- Program Siklus Bunga Plus
Customers 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 Plus
Customers may gain benefit from free of charge RTGS and transfer.
Fee Based Income
• Improving trade finance services, such as by conducting promotional programs for
customers and prospective customers through exemption of advising fees for L / C or
SKBDN services.
• 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.
• Cooperate with government institution such as: Indonesia National Police, Ministry of
Transportation East Java Government, BPJS, Garuda Indonesia, Lion Air, Cable TV.

IR BJTM 10
APPENDIX

11
IR BJTM
 Macro Economy Review
LOAN FUND BI 7-Day RR INFLASI
4,45%
4.837 4.917 5.046 4,37%
4.413 4.469 4.575 4.605 8,38% 8,36% 3,45% 3,61%
3.707 3,07% 3,02% 3,72%
3.320
5,50% 5,25%
5,00% 4,75% 4,75% 4,75%
4.114 4.092 4.030 4.200 4.244 4.413 4.403 4.526 4,30% 4,25%
3.664 3,35%

in trillion Rp
- - - -
FY13 FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 FY12 FY13 FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17

Economic Growth Economic Share

INDONESIA EAST JAVA East

JAVA
6,08% Java
5,86%
5,44% 5,34% 5,55% 5,61% 5,50% 5,37% 5,03%

Indonesia Java

5,58%
5,02% 4,79% 4,92% 5,04% 5,02% 4,90% 5,01% 5,01%
59% Java 29% DKI Jakarta
22% Sumatra 25% East Java
2% Bali & Nusa Tenggara 23% West Java
6% Sulawesi 15% Central Java
FY13 FY14 FY15 3M16 1H16 9M16 FY16 3M17 1H17
8% Kalimantan 7% Banten
3% Maluku & Papua 1% DIY
12
Source: Bank Indonesia IR BJTM
 Balance Sheet

Information 9M16 9M17 YoY 3Q16 2Q17 3Q17 YoY QoQ

In million Rp

Total Asset 50.154.863 53.837.669 7,34% 2.093.836 1.171.760 2.348.922 12,18% 100,46%

Placement BI & SBI 14.423.095 15.617.171 8,28% 3.101.173 (1.220.968) 1.958.953 -36,83% -260,44%

Loan 29.625.095 30.696.964 3,62% 349.128 1.197.915 207.476 -40,57% -82,68%

Allowance for
(1.225.943) (1.388.392) 13,25% (107.059) 1.610 (37.750) -64,74% -2444,83%
Impairment Losses

Third Party Fund 41.165.605 43.987.520 6,86% 863.620 716.548 1.791.619 107,45% 150,03%

- Current Account 16.720.120 16.253.452 -2,79% 1.375.527 (3.179.879) 626.325 -54,47% -119,70%

- Saving Account 12.242.308 13.608.183 11,16% (137.184) 1.429.005 (6.015) -95,62% -100,42%

- Time Deposit 12.203.176 14.125.885 15,76% (374.723) 2.467.422 1.171.309 -412,58% -52,53%

Equity 7.019.141 7.563.351 7,75% 808.469 335.199 303.319 -62,48% -9,51%

IR BJTM 13
 Profit / Loss

Information 9M16 9M17 YoY 3Q16 2Q17 3Q17 YoY QoQ

In million Rp

Interest Income 3.602.892 3.589.269 -0,38% 1.204.672 1.230.399 1.245.648 3,40% 1,24%

Interest Expense (1.061.487) (962.041) -9,37% (355.038) (338.592) (357.087) 0,58% 5,46%

Nett Interest Income 2.541.404 2.627.227 3,38% 849.633 891.807 888.561 4,58% -0,36%
Non Interest Operational
319.047 336.346 5,42% 89.228 137.616 90.370 1,28% -34,33%
Income
Non Interest Operational
(1.348.963) (1.440.327) 6,77% (437.015) (512.265) (526.105) 20,39% 2,70%
Expense
Provision for Impairment
(379.842) (144.883) -61,86% (143.777) (5.186) (43.087) -70,03% 730,90%
Losses
Nett Non Interest
Operational Income (1.409.757) (1.248.865) -11,41% (491.564) (379.835) (478.823) -2,59% 26,06%
(Expense)

Operational Profit 1.131.647 1.378.363 21,80% 358.069 511.972 409.738 14,43% -19,97%

Non Operational Profit 8.495 9.695 14,13% 3.908 2.824 (724) -118,53% -125,65%

Pre Tax Profit 1.140.142 1.388.058 21,74% 361.977 514.796 409.014 12,99% -20,55%

Taxes (303.565) (374.280) 23,30% (86.500) (132.685) (117.340) 35,65% -11,57%

Net profit 836.577 1.013.778 21,18% 275.477 382.111 291.674 5,88% -23,67%

IR BJTM 14
 Financial Ratio

5,58% 4,97%
R
3,94% 3,75% 3,34% 3,82% 3,52% 2,67% 3,80% 3,18% 3,09% 2,98% 3,96% 3,93% 3,61%

O
A
40,57%
R 31,48% 28,59% 33,65%
20,14%
18,96% 19,04% 18,98% 16,11% 23,49% 20,87% 17,82% 20,71% 22,17% 20,51%
O
E
8,35% 7,66% 9,17% 7,95%
N 6,48% 7,14% 6,90% 6,41% 6,83% 6,69% 6,70% 6,94% 7,18% 6,98% 6,82%
I
M
80,70% 80,11% 83,55% 84,98% 86,54% 82,92% 90,48% 70,62% 72,26%
69,67% 68,11% 72,64% 71,97% 69,79%
L 54,04%
D
R

C 25,36%
21,32% 19,19%
26,56% 23,72%
22,17% 21,22% 19,46% 20,65% 22,43% 23,88% 22,30% 22,55% 22,85%
16,53%
A
R

68,69% 70,28% 69,63% 76,11% 65,32% 70,56% 71,15% 72,22% 62,62% 62,60% 64,89%
B 67,42% 66,04%
59,58% 60,02%
O
P
O
2008 2009 2010 2011 2012 2013 2014 2015 3M16 1H16 9M16 FY16 3M17 1H17 9M17
IR BJTM 15
 Third Party Fund
50.000 Third Party Fund
45.000 43.988
42.681 43.754 41.506 40.302 41.165 41.479 42.196
40.000
35.000 35.479 34.263 32.799
30.000 30.270
27.416 25.987
25.000
22.210 in billion
20.000
FY12 1H13 FY13 1H14 FY14 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17

Funding Growth Composition Ticket Size

in million

Current Account Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17

Government 11.597 11.319 -2,40% 28,17% 25,73% 123.368,7 120.410,6

Private 5.123 4.935 -3,68% 12,45% 11,22% 95,0 83,3
Total 16.720 16.253 -2,79% 40,62% 36,95% 309,4 274,0

Saving Account Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17

Simpeda 10.031 10.295 2,63% 24,37% 23,40% 5,6 5,5

Siklus 863 1.672 93,81% 2,10% 3,80% 6,2 8,6
Tab Haji 218 226 3,58% 0,53% 0,51% 1,8 1,7
TabunganKu / SimPel 1.019 1.264 24,00% 2,48% 2,87% 0,4 0,4
Barokah 111 151 36,19% 0,27% 0,34% 5,6 6,2
Total 12.242 13.608 11,16% 29,74% 30,94% 2,5 2,6

Time Deposit Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17

Deposit 12.203 14.126 15,76% 29,64% 32,11% 321,7 321,1

Total 12.203 14.126 15,76% 29,64% 32,11% 321,7 321,1 16
IR BJTM
 Loan
Loan
32.000 30.489 30.697
29.235 29.276 29.625 29.676 29.292
30.000 28.288 28.411 28.268
28.000 26.087 26.195 26.568
26.000 24.821
in billion
24.000
1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 9M16 FY16 3M17 1H17 9M17

Lending Growth Composition Ticket Size

in million

CONSUMER Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17

Multi Purpose 16.672 17.841 7,01% 56,28% 58,12% 69,7 74,9
Mortgage 1.528 1.744 14,10% 5,16% 5,68% 178,3 187,7
Other 916 1.183 29,17% 3,09% 3,85% 144,8 214,7
Total 19.116 20.768 8,64% 64,53% 67,65% 75,3 82,0
COMMERCIAL Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17
Standby Loan 657 578 -12,03% 2,22% 1,88% 458,9 329,4
Keppres 1.091 908 -16,81% 3,68% 2,96% 345,3 343,7
Overdraft 2.951 2.967 0,56% 9,96% 9,67% 794,9 834,2
Syndicate 1.319 1.006 -23,73% 4,45% 3,28% 57.341,8 52.941,0
General 1.347 1.394 3,52% 4,55% 4,54% 730,0 700,2
Total 7.365 6.853 -6,94% 24,86% 22,33% 724,0 687,9
SME Sep’16 Sep’17 YoY Sep’16 Sep’17 Sep’16 Sep’17
Pundi Kencana 1.257 1.370 8,99% 4,24% 4,46% 60,4 59,9
Laguna 23 50 117,41% 0,08% 0,16% 16,2 27,5
Bankit KKPA 209 302 44,87% 0,70% 0,99% 52,4 43,3
Siumi 23 29 27,05% 0,08% 0,10% 122,0 91,4
Jatim Mikro 554 614 10,90% 1,87% 2,00% 121,3 100,1
Others 1.079 710 -34,17% 3,64% 2,31% 124,7 155,2
Total 3.144 3.076 -2,18% 10,61% 10,02% 79,4 72,0 17
IR BJTM
 LOAN FY14 – 9M17

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

Multi Purpose 14.849.126 15.793.553 15.924.309 16.116.984 16.498.907 16.671.584 17.131.199 17.177.244 17.766.924 17.840.841
Mortgage 1.298.747 1.399.421 1.434.353 1.464.781 1.501.875 1.528.177 1.589.130 1.614.312 1.715.118 1.743.588
Other 612.797 792.056 827.428 845.423 886.754 916.066 1.104.855 1.142.783 1.132.520 1.183.248

Total 16.760.670 17.985.030 18.186.090 18.427.187 18.887.537 19.115.827 19.825.183 19.934.339 20.614.562 20.767.677

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

Standby Loan 1.013.324 1.244.437 847.263 593.513 655.632 657.163 531.315 436.239 548.373 578.104
Keppres 687.257 1.336.954 748.105 559.221 964.276 1.091.251 546.405 357.492 624.976 907.829
Overdraft 2.307.783 2.691.570 2.766.452 2.821.776 2.867.474 2.950.827 2.985.503 2.935.996 2.964.871 2.967.410
Syndicate 1.171.171 1.313.528 1.335.649 1.359.599 1.301.393 1.318.861 1.254.721 1.055.945 1.002.057 1.005.880
General 1.004.389 1.243.918 1.251.986 1.116.825 1.316.609 1.346.781 1.375.272 1.391.778 1.467.658 1.394.181

Total 6.183.924 7.830.406 6.949.455 6.450.934 7.105.384 7.364.883 6.693.215 6.177.449 6.607.934 6.853.404

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

Pundi 796.281 1.156.961 1.177.643 1.222.691 1.273.067 1.256.921 1.300.929 1.346.491 1.415.106 1.369.891
Laguna 30.078 24.925 21.204 18.774 17.258 15.390 35.975 38.768 29.890 49.671
Bankit KKPA 73.113 131.054 130.478 128.615 175.481 208.789 272.642 338.899 395.875 302.470
Siumi 0 995 954 2.456 14.412 23.176 26.523 24.611 28.521 29.446
Jatim Mikro 263.067 490.838 519.834 530.118 557.303 561.646 562.361 578.536 601.615 614.353
Others 2.087.748 1.615.658 1.426.340 1.487.528 1.245.524 1.078.463 958.593 852.479 796.364 710.052

Total 3.250.286 3.420.431 3.276.454 3.390.182 3.283.046 3.144.384 3.157.023 3.179.783 3.267.371 3.075.882

in million

IR BJTM 18
 NPL FY14 – 9M17

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

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

NPL Net 1,08% 1,11% 1,47% 1,28% 1,10% 1,19% 1,07% 1,04% 0,65% 0,55% 0,67% 0,72%

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

CONSUMER 0,60% 0,66% 0,75% 0,86% 0,74% 0,82% 0,85% 0,89% 0,84% 0,64% 0,69% 0,76%

COMMERCIAL 7,27% 10,40% 9,22% 10,01% 12,07% 13,69% 13,10% 14,16% 15,02% 16,93% 16,43% 16,26%

SME 7,64% 8,24% 8,14% 8,41% 7,09% 7,38% 7,49% 7,29% 6,95% 6,91% 7,17% 7,74%

IR BJTM 19
MANAGEMENT

20
IR BJTM
 Board of Commissioners

Wibisono Soebagyo Heru Santoso Rudi Purwono Akhmad Sukardi

Independent Independent Independent President Independent Commissioner Commissioner
Commissioner Commissioner Commissioner

Experience: Experience: Experience: Experience: Experience:

Bank Indonesia University Lecturer Bank Indonesia Airlangga University Lecturer East Java Government
Last Position: Surabaya Mayor Expert Staff Last Position: BNI Regional Chief Economist Currently:
Deputy Head Currently: Governor Board Currently: East Java
Surabaya Branch Lecturer Expert Staff Airlangga Univ. Vice Dean Regional Secretary
Payment Board East Java Gov.
Regional Research Board Gov.

21
IR BJTM
 Board of Directors

Tony Sudjiaryanto Suúdi Ferdian Timur S* R Soeroso Rizyana Mirda * Hadi Santoso * Rudie Hardiono
Retail, Consumer, & Medium & Corporate Finance Director President Director Risk Management Compliance & Operational
Sharia Business Director Director Human Capital Director
Director Director

Experience: Experience: Experience: Experience: Experience: Experience: Experience:

Credit Division Head IT Division Head Kepanjen Branch Corporate Secretary Credit Risk Div Sharia Business Div Corporate
Special Credit Division Planning Division Head Medium&Corporate Medium&Corporate Secretary
Bank Jatim
Head Head Corporate Secretary Credit Div Credit Div Compliance
Treasury Division Head Risk Management Bank Jatim President Director Bank Jatim Bank Jatim Director
Bank Jatim Division Head Bank UMKM Bank Jatim
Bank Jatim

* Effective after pass OJK’s Fit and Proper Test. 22

IR BJTM
STRENGTH

23
IR BJTM
 Compound Annual Growth Rate
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril)

CAGR = CAGR = CAGR =

8,74%
4,8 4,8 1,35
4,6 5,83% 1,341,361,3 11,15%
4,1 1,2 1,18
1,03
3,3 0,94
0,9 0,9 0,9
2,9 0,8
2,7 2,8 0,8 0,8
0,7
0,7 0,7 0,7 0,7
2 2,1 0,6
1,7 1,7 0,5 0,5
0,4 0,4

THIRD PARTY FUND(Rp Tril) LOAN (Rp Tril) TOTAL ASSET (Rp Tril)

CAGR = CAGR = CAGR =

11,45 % 44,6 17,05% 11,77% 52,5 53,84
43,9
30,7
28,729,7 42,9
26,2
32,8 38,0
30,3 22,3 33,1
26,0 29,1
18,6
22,2 16,1 24,9
20,1
16,2 13,1 20,0
13,7 14,5 10,1 16,317,4
12,0 13,2 14,215,7
7,4
4,6 5,5

IR BJTM 24
 Strength of Funding
Current account Saving deposit Time deposit

19,9% 17,2%

19,7%
17,1% 19,9%

21,3% 20,5%

21,0%
24,0% 21,0%

21,8%
23,1% 22,1%

23,2%

23,4%
23,7%
23,7%

23,9%

25,2%

32,11%
28,7%
24,1%

28,4%

36,8%
35,9%
25,0%

35,4%

37,2%
38,4%

36,3%

43,8%

30,94%
63,0%

62,9%

58,2%
55,0%
54,8%

52,2%

48,0%
46,3%

43,5%
43,1%

40,7%

36,95%
39,4%
38,5%
38,4%

34,4%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 9M17

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

3,81% 3,71% 3,95% 3,82%

2,75% 3,10% 3,28% 3,31% 3,26% 3,45%

2,77% 2,97% 2,88%
2,58% 2,67% 2,50%
2,39% 2,35% 2,56% 2,52%
3,54% 3,48% 3,68% 3,63% 1,81%
3,00% 2,53% 3,02% 3,18% 3,21% 2,61% 3,16% 2,68% 3,01% 2,56% 3,01% 2,84% 2,78% 2,45% 2,34%
1,86% 2,30%

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

IR BJTM 25
 Strength of Loan (Multipurpose)
million Rp MULTIGUNA TICKET SIZE
73,2 73,2 74,6 74,9
66,6 67,5 69,0 69,7
61,2 61,9 63,1 64,0
56,7 59,3

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

billion Rp MULTIGUNA LOAN BALANCE

17.131 17.117 17.767 17.841

15.609 15.794 15.924 16.117 16.499 16.672
14.408 14.849 15.152
13.864

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

Loan balance 58,12% of total loan

NPL 0,35% as of Sept 2017

IR BJTM 26
 Human Resources

No DATA Sept 2016 Sept 2017

1 Board of Commisioner 4 5

2 Board of Sharia Supervisory 3 3

3 Board of Director 5 5

4 Management 1 22 25

5 Management 2 97 101

6 Management 3 280 258

7 Management 4 701 810

8 Staff of Administration 1969 2067

9 Staff Non Administration 327 318

10 Non Permanent 1150 857

11 Outsource 1940 1972

Total 6498 6421

IR BJTM 27
 B Series Investor Composition

B Series Investor 9M16 9M17

Foreign Investor 41,62% 62,83%
Ownership
Domestic Investor 58,38% 37,17%
(A Series)
No Country Share No Country Share
East Java 51,27%
1 INDONESIA 37,1652% 13 0,3517% Government
BERMUDA
2 AMERIKA 31,3218% 14 JEPANG 0,3382% (A Series)
3 FINLANDIA 7,7291% 15 SINGAPURA 0,2565% City &
28,43%
4 IRLANDIA 7,3792% 16 JERMAN 0,1687% Municipal
5 NORWEGIA 4,5446% 17 CAYMAN ISLAND 0,1622% Government
6 LUKSEMBURG 2,8361% 18 THAILAND 0,1614% (B Series)
7 KANADA 2,4817% 19 KOREA SELATAN 0,0622% Public 7,55%
8 INGGRIS 1,9265% 20 0,0540%
CINA Domestic
9 AUSTRALIA 0,9068% 21 MALAYSIA 0,0233%
10 SAUDI ARABIA 0,8493% 22 0,0118% (B Series)
SWEDIA 12,76%
11 SWITSERLAND 0,7138% 23 0,0022%
Public Foreign
FILIPINA
12 BELANDA 0,5536% Total 100%
Total 100%

28
IR BJTM
 Dividen & Stock
Dividen
Fiscal Payment of Dividend BJTM Price Sept 29, 2017
Net Profit Payment
year Cash Per Share (Rp.) IDR 700/ share
Ratio
2012 39,74 724.639.313.908,99 81,8% PBV 1,39
2013 40,61 824.311.815.370,19 73,50% EPS 90,27
2014 41,86 939.083.592.253,50 66,5% PER 7,75
2015 43,00 885.708.380.142,00 72,42% Market
Rp 10.482 bn
2016 43,64 1.028.216.274.326,00 63,43% Cap

Price and Foreign Holders

Foreign Holders (%) Average Monthly Price
693 677 682 692 688
71 72 73 71 71 70 69 69
68 69 68 68 67 68 68 638
66 625 613
62 63 605 63
575 577 583 61 61 60 63
58 57 58
542 534 539 540
524
504 501 500
486 473 47 48
464 454 462 43 44 42
439 437 439 426 431
408 416 40 42
375
0405

1006
0105
0205
0305

0505
0605
0705
0805
0905
1005
1105
1205
0106
0206
0306
0406
0506
0606
0706
0806
0906

1106
1206
0107
0207
0307
0407
0507
0607
0707
0807
0907
29
IR BJTM
Competitive Products

30
IR BJTM
 Award

No 1 BUMD Listed Padmamitra Award Bank Jatim Regional Banks with

Annual Report Award excellent service of the year
2016

Top BPD 2016 The Higher Bank that Disbursing Active Role as Resi Gudang
FLPP Fund Lending
IR BJTM 31
IR Contact

Investor Relations (IR)

Corporate Secretary
(031) 5310090 - 471
Email: iru@bankjatim.co.id

32
IR BJTM