economic outlook financial highlights -...
TRANSCRIPT
1
2
ECONOMIC OUTLOOK
FINANCIAL HIGHLIGHTS
OVERVIEW amp INVESTMENT HIGHLIGHTS
STRENGHTS
AGENDA
3
Table of Contents
Description Page
Agenda 2
Table of Contents 3
Section 1 ndash Economic Outlook 4 ndash 7
- Macro Economy Review 5
- Regional Economic Growth amp Income 6
- Bank Jatim Among National Bank 7
- Section 2 ndash Financial Highlights 8
- Balance Sheet 9
- Profit amp Loss 10
- Income amp Expense Growth 11
- Financial Performance 12
- Financial Ratio 13
- Financial Ratio 14
Section 3 ndash Overview amp Investments Highlights 15
- Management Team 16-17
- Third Party Fund 18
- Detailed Third Party Fund 19
- Third Party Fund Customer 20
- Competitive Products 21
Description Page
- Type of Loan 22 ndash 27
- Multipurpose Loan 28
- NPL Each Segment 29
- Human Resources 30
- Achievement 2014 and Business Plan 2015 31
Section 4 ndash Strenghts 32
- Competitive Funding Composition 33
- Cost of Fund 34
- Micro Loan 35
- Networks 36
- Treasury 37
- Bank Jatim Among Regional Bank 38
- Bank Jatim Growth Among National amp East Java Bank 39
- Divident Yield 40
- Awards amp Achievements 41
- BJTM Investor 42
- Sharia 43
- Contact 44
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
5Source Bank Indonesia
575 575 600725 750 750 750 750 775 750
430590 590
840 838732 670
453
836
638418397 413
555 594589 585
585
581
583
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
MACRO ECONOMY REVIEW
In billion Rp
3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420
2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14
640562 521 512 500 500
727
615 640 594 591 590
FY12 FY13 3M14 1H14 9M14 FY14
NATIONALYoY
EAST JAVAYoY
JAVA Regional Economic Share
6Source East Java Gov
Regional Economic Growth
Regional Growth 2013 2014
National 56 50
DKI Jakarta 61 59
Jawa Barat 63 51
Banten 71 55
Jawa Tengah 51 54
DI Yogyakarta 55 52
Jawa Timur 61 59
DKI29
Jabar23
Banten7
Jateng15
DIY1
Jatim25
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
2
ECONOMIC OUTLOOK
FINANCIAL HIGHLIGHTS
OVERVIEW amp INVESTMENT HIGHLIGHTS
STRENGHTS
AGENDA
3
Table of Contents
Description Page
Agenda 2
Table of Contents 3
Section 1 ndash Economic Outlook 4 ndash 7
- Macro Economy Review 5
- Regional Economic Growth amp Income 6
- Bank Jatim Among National Bank 7
- Section 2 ndash Financial Highlights 8
- Balance Sheet 9
- Profit amp Loss 10
- Income amp Expense Growth 11
- Financial Performance 12
- Financial Ratio 13
- Financial Ratio 14
Section 3 ndash Overview amp Investments Highlights 15
- Management Team 16-17
- Third Party Fund 18
- Detailed Third Party Fund 19
- Third Party Fund Customer 20
- Competitive Products 21
Description Page
- Type of Loan 22 ndash 27
- Multipurpose Loan 28
- NPL Each Segment 29
- Human Resources 30
- Achievement 2014 and Business Plan 2015 31
Section 4 ndash Strenghts 32
- Competitive Funding Composition 33
- Cost of Fund 34
- Micro Loan 35
- Networks 36
- Treasury 37
- Bank Jatim Among Regional Bank 38
- Bank Jatim Growth Among National amp East Java Bank 39
- Divident Yield 40
- Awards amp Achievements 41
- BJTM Investor 42
- Sharia 43
- Contact 44
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
5Source Bank Indonesia
575 575 600725 750 750 750 750 775 750
430590 590
840 838732 670
453
836
638418397 413
555 594589 585
585
581
583
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
MACRO ECONOMY REVIEW
In billion Rp
3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420
2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14
640562 521 512 500 500
727
615 640 594 591 590
FY12 FY13 3M14 1H14 9M14 FY14
NATIONALYoY
EAST JAVAYoY
JAVA Regional Economic Share
6Source East Java Gov
Regional Economic Growth
Regional Growth 2013 2014
National 56 50
DKI Jakarta 61 59
Jawa Barat 63 51
Banten 71 55
Jawa Tengah 51 54
DI Yogyakarta 55 52
Jawa Timur 61 59
DKI29
Jabar23
Banten7
Jateng15
DIY1
Jatim25
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
3
Table of Contents
Description Page
Agenda 2
Table of Contents 3
Section 1 ndash Economic Outlook 4 ndash 7
- Macro Economy Review 5
- Regional Economic Growth amp Income 6
- Bank Jatim Among National Bank 7
- Section 2 ndash Financial Highlights 8
- Balance Sheet 9
- Profit amp Loss 10
- Income amp Expense Growth 11
- Financial Performance 12
- Financial Ratio 13
- Financial Ratio 14
Section 3 ndash Overview amp Investments Highlights 15
- Management Team 16-17
- Third Party Fund 18
- Detailed Third Party Fund 19
- Third Party Fund Customer 20
- Competitive Products 21
Description Page
- Type of Loan 22 ndash 27
- Multipurpose Loan 28
- NPL Each Segment 29
- Human Resources 30
- Achievement 2014 and Business Plan 2015 31
Section 4 ndash Strenghts 32
- Competitive Funding Composition 33
- Cost of Fund 34
- Micro Loan 35
- Networks 36
- Treasury 37
- Bank Jatim Among Regional Bank 38
- Bank Jatim Growth Among National amp East Java Bank 39
- Divident Yield 40
- Awards amp Achievements 41
- BJTM Investor 42
- Sharia 43
- Contact 44
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
5Source Bank Indonesia
575 575 600725 750 750 750 750 775 750
430590 590
840 838732 670
453
836
638418397 413
555 594589 585
585
581
583
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
MACRO ECONOMY REVIEW
In billion Rp
3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420
2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14
640562 521 512 500 500
727
615 640 594 591 590
FY12 FY13 3M14 1H14 9M14 FY14
NATIONALYoY
EAST JAVAYoY
JAVA Regional Economic Share
6Source East Java Gov
Regional Economic Growth
Regional Growth 2013 2014
National 56 50
DKI Jakarta 61 59
Jawa Barat 63 51
Banten 71 55
Jawa Tengah 51 54
DI Yogyakarta 55 52
Jawa Timur 61 59
DKI29
Jabar23
Banten7
Jateng15
DIY1
Jatim25
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
5Source Bank Indonesia
575 575 600725 750 750 750 750 775 750
430590 590
840 838732 670
453
836
638418397 413
555 594589 585
585
581
583
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
MACRO ECONOMY REVIEW
In billion Rp
3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420
2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14
640562 521 512 500 500
727
615 640 594 591 590
FY12 FY13 3M14 1H14 9M14 FY14
NATIONALYoY
EAST JAVAYoY
JAVA Regional Economic Share
6Source East Java Gov
Regional Economic Growth
Regional Growth 2013 2014
National 56 50
DKI Jakarta 61 59
Jawa Barat 63 51
Banten 71 55
Jawa Tengah 51 54
DI Yogyakarta 55 52
Jawa Timur 61 59
DKI29
Jabar23
Banten7
Jateng15
DIY1
Jatim25
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
640562 521 512 500 500
727
615 640 594 591 590
FY12 FY13 3M14 1H14 9M14 FY14
NATIONALYoY
EAST JAVAYoY
JAVA Regional Economic Share
6Source East Java Gov
Regional Economic Growth
Regional Growth 2013 2014
National 56 50
DKI Jakarta 61 59
Jawa Barat 63 51
Banten 71 55
Jawa Tengah 51 54
DI Yogyakarta 55 52
Jawa Timur 61 59
DKI29
Jabar23
Banten7
Jateng15
DIY1
Jatim25
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
No Bank Asset LoanThird Party
FundPaid
CapitalNet IncomeBefore Tax
1 BRI 778018 490410 600404 6167 30770
2 Bank MANDIRI 755867 475267 576326 11667 23375
3 BCA 541911 346962 447942 1541 19887
4 BNI 393467 262578 299021 9055 13098
5 CIMB NIAGA 227080 163519 175035 1612 3203
25 BANK JATIM 38041 25655 30270 3729 1380
25 21 8
Source Publication DataBank Indonesia December 2014 Unaudit
16
7
In billion Rp
Bank Jatim Among National Bank
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
9
Balance Sheet
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666
Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611
Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530
Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177
- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475
- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794
- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781
Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
10
Profit amp Loss
InformationIn million Rp
3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ
Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873
Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508
Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047
Non Interest Operational Income
120233 100133 -1672 120233 44546 100133 -1672 12478
Non Interest Operational Expense
(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094
Nett Non Interest Operational Income (Expense)
(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055
Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037
Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056
Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862
Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458
Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
11
Income amp Expense Growth
InformationIn million Rp
3M14 3M15 YoY
Placement others bank 82916 82557 -043
Marketable Securities 53504 67750 2662
Fees amp Commissions 58600 58462 -024
Current Account Expense (59325) (77981) 3145
Saving Accounts Expense (33064) (39144) 1839
Deposits Expense (118135) (161899) 3705
Salaries (154599) (173433) 1218
Education amp Training (2040) (5350) 16230
Rental (26877) (30105) 1201
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)
CAGR =
1196
CAGR =
1615CAGR =
826
1 1 112
17 172 21
27 28 2933
405
105
0405
0304
0607 07 07 07
0809
08
114
02902 02 02
02
04 0405 05
09 09
0708
096
026
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
1619
56 61 7091
120132 137 145
162
201222
260
303
380
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
TOTAL ASSET (Rp Tril)
64 74 87107
142157
163174200
249
291
331
380
458
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
LOAN (Rp Tril)
CAGR =
2071
CAGR =
1659
24 30 37 41 46 55 74
101
131
161 186
223
262 266
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
12
Financial Performance
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
312
354
261
414 407
355
394375
558497
334
382
487
407
365352
338
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
A
5655
4166
3054
36903848
30853148
2859
4057
3365
18961904
24292206
20131898
1761
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
R
O
E
N
I
M
923
1128
910 939 934
728
835766
917
795
648714
772703 707 690 690
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
Financial Ratio
13
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
39974323
4545 4513
38754211
5404
6967
8070 80118355 8498
8036
69967306
8654
6996
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
L
D
R
1344
171529
1817
3845
3339
2536
2132
1919
1653
2656
23722254
2036 20292217 2287
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
C
A
R
7476 7532 7467 7383
6943 6820 6742 6604
5958 6002
6869 7028
6014
64896846 6963
7206
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15
B
O
P
O
14
Financial Ratio
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
MULJANTOPresident Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
16
CHAERUL DJAELANICommissioner
SOEBAGYOIndependent Commissioner
WIBISONO Independent Commissioner
Change of Commissioner Board
HERU SANTOSO )President Commissioner(Independent)
Experienced for 31 years in Bank Indonesia
AKHMAD SUKARDI )Commissioner
Experienced as East Java Province Secretary
HADI SUKRIANTO )Commissioner
Experienced for 32 years in Bank Jatim
WIBISONOIndependent Commissioner
Experienced for 28 years in Bank Indonesia
SOEBAGYOIndependent Commissioner
Experienced for 36 years as Airlangga University Lecturer
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector
17
HADI SUKRIANTOPresident Director
DJOKO LESMONODirector of Medium Business amp Corporate
EKO ANTONODirector of Compliance
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
RUDIE HARDIONODirector of Operations
Change of Director Board
R SOEROSO )President Director
Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods
SUrsquoUDI )Director of Medium Business amp Corporate
Experienced for 36 years in Bank Jatim
EKO ANTONODirector of Compliance
Experienced for 32 years in Bank Jatim
RUDIE HARDIONODirector of Operations
Experienced for 32 years in Bank Jatim
TONY SUDJIARYANTODirector of Agribusiness amp Sharia
Experienced for 27 years in Bank Jatim
) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
10733
11628
9662
12101 12083
12643
9969
11257 11690
16563
15451
11649
18292
6475 6472
8174
6757 7064
7622
9970
8642 8287 8082
8923
10991
9172 8080 8281
4374
6781
8269 8403
6048
7627
8227
10834 11331
7630
10509
1H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account Saving Account Time Deposit
In Billion Rp
18
Current AccountYoY 5647
Saving AccountYoY 1068
Time DepositYoY 2775
Third Party Fund
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
4241
9563
9460
9969
4324
8573 9130
13821
11959
7220
14710 5421
2538 2624 2675
5644 2685 2560
2742 3491
4429
3582
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Current Account
Government Private
236 158 152 156 242 212 207 241 290 657 418
172 173 161 171 186 176 180 179 194 208
218
7299
5992 6294 6769
8242
7223 6979 6946
7682
9239
7705
417
381 401
466
1230
951 844
651
687
795
748
50
52 57
61
71
79 78
65
70
93
83
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp
Government Current
Acc
YoY 6112
Private Current Acc
YoY 3991
YoY
SIMPEDA 1041
SIKLUS 10219
Hajj Saving 2118
TabunganKu (1134)
Barokah Saving 554
4374
6781
8269 8403
6048
7627 8227
10834 11331
7630
10509
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Time Deposit
Time Deposit
YoY 2775
19
Detailed Third Party Fund
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
44137
43634
44254 45334 46853 47014
48358
49411 50134 50927
2045785 2100510
2144912
2511507
4126826
4161277 4199590 4255204 4333820
4403899
23616
24425
24538 25274 26176 25277 27209 28173 29194 30728
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Current Account Saving Account Time Deposit
21831
27733 27304 27883
21277 24866
34252 31270
23236
35918
399 322 329 303 242 199 192 210 254 208
18521
27761
33698 33250
23107
32546
39819 40218
26134
34200
FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Current Account Saving Account Time Deposit
20
Third Party Fund Customer
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
21
Competitive Product
delivery e-channel transaction 130854 transaction
Individual transaction 117769 transaction
Corporate transaction 13085 transaction
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
CONSUMER
COMMERCIAL
SME
CONSUMER LOAN Marrsquo14 Marrsquo15
Multipurpose 5757 5703
Mortgage 483 504
Others 252 215
Total 6493 6423
COMMERCIAL LOAN Marrsquo14 Marrsquo15
Standby Loan 382 306
Keppres 167 169
Overdraft 1136 969
Syndicate 358 459
Total 2044 1902
Small Medium Ent Marrsquo14 Marrsquo15
KUR 548 336
Pundi Kencana 266 358
Jatim Mikro 010 130
Others 641 851
Total 1464 1675
22
Loan Proportion
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
11886
12395
13120
13568
14026
14465 14727
15599
16224
16711 17064
3239 3072
3869
4358 4228 3832
4636 5019
5624
5180 5054
3432 3338 3442 3601 3831 3850
3321
4203 4239 4304 4450
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Commercial SME In Billion Rp
YoY
Consumer1587
Commercial 903
SME3400
23
Type Of Loan
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
In Billion Rp
10739
11142
11734
12086
12457
12825 13058
13864
14408
14849 15152
653 748
850 941 1025 1087 1097 1177 1233 1299 1340
494 505 536 541 544
553
572 559 583 563 572
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
Consumer Loan
Multipurpose Mortgage Others
YoY
Multipurpose
1603
Mortgage2217
Others007
24
Type Of Loan
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
In Billion Rp
745
616
942
1113 1002
809
616
1075
1286
1013
812
612
411
721
947
635
320
411
824
1157
687
449
1185
1285 1410
1530
1780 1854
1285
2217
2259 2308
2575
696
759
796 768
810 849
759
903
922
1171 1218
FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby Loan(632)
Keppres1878
Overdraft
(011)
Syndicate
4985
25
Type Of Loan
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
In Billion Rp
1763
1631
1508
1387
1312 1257
1243
1218
1128
1058
893
234
277
351
426
513 562
603
693 747
796
950
5 22
78
165
264
345
1434 1430
1583
1677
2005 2026
1453
2214
2199 2186
2262
FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15
SME Loan
KUR Pundi Kencana Mikro Others
YoY
KUR-2810
Pundi Kencana
5756
Mikro145355
Others5564
26
Type Of Loan
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
263169 264742 260490 261230 260862 257846
257915
256321 256095
262293 260647 259658 261730
4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194
36498 39306 40809 41439
41554 42097 43553 43441 41411 45951 43986 42749 43281
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Total Customer
Consumer Commercial SME
4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652
69365
60678
48755 51445
76428
6240356276
68196
79678
58231 58311 5933
7026
8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Ticket Size
Consumer Commercial SME
27
Type Of Loan
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
7177
88329649
10738 11141 11734 11869 12086 12457
1305813864
14408 14849 15152
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15
Multiguna Loan Balance
( Billion Rp )
292 325
389
436 458
488 506
522 542
567 593
612 619
2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Multiguna Ticket Size (million) Rp
Description Details
Civil Servants (per August 2014) 426545
Multipurpose Customer (Civil Servants) 244711
5737
NPL 021 as of March 2015
28
Multipurpose Loan
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
29
NPL Each Segment
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
Consumer Loan 036 039 047 013 045 056 053 060 066
SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928
Commercial Loan 295 321 363 707 66 669 589 604 990
3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
NPL Gross 315 329 313 344 363 353 334 331 387
Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
No DATA March 2014 March 2015
1 Board of Commisioner 3 4
2 Board of Sharia Supervisory 3 3
3 Director 3 5
4 Management 1 15 11
5 Management 2 71 72
6 Management 3 181 230
7 Management 4 646 666
8 Staff of Administration 1104 1769
9 Staff Non Administration 356 341
10 Non Permanent 1276 810
11 Outsource 1388 1789
Total 5046 5700
30
Human Resources
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Description Target 2015
Total Asset 1638
Loan 2000
Third Party Fund 1713
Interest Income 1412
Net Profit 1880
Financial Ratio
- CAR 1910
- LDR 9475
- NPL Gross 260
- NIM 722
- BOPO 6970
- ROE 1933
- ROA 343
31
Description Des 2014
Total Asset 1511
Loan 1861
Third Party Fund 1648
Interest Income 2189
Net Profit 1623
Financial Ratio
- CAR 2165
- LDR 8654
- NPL Gross 306
- NIM 714
- BOPO 6914
- ROE 1935
- ROA 353
Achievement 2014 amp Business Plan 2015
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
CASAMarch 2015
7233
517460 477
426403
435463 480
431 407 435384 385
482
246254 288
362358
241
250284 359
354368
384 363242
237 285 235 212 239 237287
237 210 239 197 232 252 277
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15
Time deposit Saving deposit Current account
33
Funding Composition
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
448 453
300253
302 318 321261
316 354 348268 301
492 500
275239
310 328 331
258
326381 371
267
345
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15
COF (+) Local Government (-) Local Government
34
Cost Of Fund
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
35
Micro Loan
No Branch
Unit Unit Age March 2015
RR NPLAmount Month Plafond
In thousand
OutstandingIn thousand
NOA
1 Surabaya 7 14 58894000 51748445 218 10000 000
2 Sidoarjo 6 14 70588600 61216526 300 10000 000
3 Madiun 6 14 45545500 40095836 229 9944 056
4 Mojokerto 5 10 46579500 41787366 210 10000 000
5 Kediri 5 10 35556000 32355945 249 10000 000
6 Gresik 5 10 36695000 32771574 168 10000 000
7 Malang 7 10 60600000 56355628 264 10000 000
8 Jember 4 5 15415000 14936535 64 10000 000
9 Banyuwangi 5 2 4197000 4181295 25 10000 000
10 Tulungagung 4 2 3065000 3032481 15 10000 000
11 Ponorogo 4 2 3912000 3903084 23 10000 000
12 Blitar 2 2 2465000 2456200 14 10000 000
Total 60 383512600 344840915 1779 9993 007
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Network 2009 2010 2011 2012 2013 2014 3M15NETWORK
2015
Head Office 1 1 1 1 1 1 1
Branch Office 39 41 41 41 41 43 433 (sharia)
Sub Branch Office 26 44 67 81 107 153 165
27
(8 sharia +
19 conventional
Cash office 151 154 164 164 176 165 15835 cash office
Sharia service office 37 37 47 47 47 97 97
Payment Point 78 88 115 138 155 167 16721 payment point
Mobile cash 45 49 57 57 59 62 6517 mobile cash
Mobile ATM - 4 4 6 6 6 6
CDM 1 1 1 1 1 2 2
ATM 87 142 262 368 479 595 596109 ATM
Total network 465 561 759 904 1072 1291 1300
36
Network
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
37
ASET Nominal (Rp juta)
BI Placement 26242
Placement Other Bank 4170853
Repo 19846
Reverse Repo 99232
Liability
Liability with BI -
Liability with other Bank 417085
Interest Income Nominal (Rp juta)
From Bank Indonesia 2183
From Placement Other
Bank
a Interbank Call Money 222845
a Time Deposit 208581
Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar
Money Market
Placement
Borrowing
Transaction with BI
Capital Market amp Fixed Income
Buying Marketable Securities
Selling Marketable Securities
Foreign Exchange
Buying Foreign
Currencies
Selling Foreign
Currencies
Treasury Marketing amp
Sales
Customer Transaction
Treasury Dealing Room
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
No Bank Asset LoanThird Party
FundPaid Capital
Net IncomeAfter Tax
1 Bank JABAR BANTEN 70157 49254 52992 2424 1115
2 Bank JATIM 38041 25655 30270 3729 958
3 Bank DKI 37168 21952 27031 2931 658
4 Bank JATENG 35743 25392 29406 1573 774
5 Bank KALTIM 29315 17035 22770 2815 553
38
22 2
Source Bank Indonesia December 2014 Unaudit
1
Bank Jatim Among Regional Bank
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim
Bank Jatim Growth Among National amp East Java Bank
Information National East Java Bank Jatim
Total Asset 1334 1295 1498
Third Party Fund1229 1493 1648
- Current Account505 1520 1685
- Saving Account592 723 1025
- Time Deposit2093 2219 2614
Credit 1165 1325 1861
- Productive 1161 1346 2378
- Consumptive 1151 1266 1648
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Bank(30012015)
Price MarketCap
Rp bn
EPSGrowth
PBV PER DividendYield
BBCA 14825 365511 122 39 197 11
BBRI 13275 327483 128 29 121 23
BMRI 12475 297083 124 25 126 22
BBNI 7225 134737 135 21 111 25
BDMN 5125 49121 287 14 129 27
BTPN 4220 24646 142 17 95 16
BBTN 1225 13262 137 10 94 35
BJBR 1000 9696 252 13 75 85
BBKP 710 6452 129 12 53 38
BJTM 550 8205 142 08 70 90
90
BJTM
85 35
38
20
INDUSTRY
Source Securities (31 March 2015)
BJBR BBTN BBKP
40
Dividen Yield
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
41
Indonesia
Bank Loyalty
Award 2014
PLATINUM
AWARD
2014
Awards amp Achievements
IAIR Award
2014 APBI
2014
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Foreign Institution Investor
March 2014
4603 from public shares
Foreign Institution Investor
March 2015
6290 from public sharesPublic shares 20
from paid capital Domestic Investor March 2015
3710 from public shares
Domestic Investor March 2014
5397 from public shares
42
No Country Share
1 INDONESIA 37101
2 NORWEGIA 13459
3 AMERIKA 11379
4 SIPRUS 11584
5 FINLANDIA 6057
6 VIRGIN ISLAND 5180
7 IRLANDIA 4448
8 LUKSEMBURG 4156
9 JEPANG 1544
10 SINGAPURA 0781
11 INGGRIS 1322
12 AUSTRALIA 1041
13 MALAYSIA 0002
14 KANADA 0545
No Country Share
15 JERMAN 0499
16 CINA 0359
17 SWITSERLAND 0296
18 CAYMAN ISLAND 0136
19 SWEDIA 0047
20 HONGKONG 0006
21 GUYANA 0020
22 BELANDA 0015
23 SELANDIA BARU 0006
24 KOREA SELATAN 0009
25 FILIPINA 0002
26 BELGIA 0006
27 MALADEWA 0001
Total 100
BJTM INVESTOR
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT
Synergy Alliance network
2013Network
Strenghten amp SDI
2014Technology Strenghten
amp SDI2015
bullPrepare Spin Off
bull20172016
STRATEGY
NETWORK amp
OPS
FINANCIAL
bull3 KC
bull5 KCP
bull47 KLS
bullPlacement SDI in KLS
bullProduction KLS as KPI konven
bullRecruit SDI
bullEducation for UUS and konven
bullResearch
bullPilot Project KMS
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull5 KC
bull8 KCP
bull55 KLS
bullStrenghten Internal Network
bullStrenghten partnership with LKMS
bullStrenghten SDI competence
bullStrenghten SDI emphaty
bullWorking Culture (FASTER)
STRATEGY
NETWORK
amp OPS
FINANCIAL
STRATEGY
NETWORK
amp OPS
FINANCIAL
bull3 KC
bull8 KCP
bull35 KLS
bullBuild Infrastructure
bullUMK Empowerment
bullProduct Innovation
bullLink IT and UUS LKMS and UMK
bullMassice marketing UMK Product
bull7 KC
bull16 KCP
bull60 KLS
bullPrepare SDMbullStructure examine (stock)
bullProduct synergy service IT network
bullLaw preparation new structure
43
Sharia
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
wwwbankjatimcoid
- Ferdian Timur S ndash Ext 475
Investor Relation Manager
- Abdulah Basid ndash Ext 472
Analis
-Lukas Yudhi WS ndash Ext 468
Junior Analis
-Frizki Putera N ndash Ext 469
Junior Analis
CONTACT