OVERVIEW & INVESTMENT HIGHLIGHTS
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1 1
2 AGENDA ECONOMIC OUTLOOK FINANCIAL HIGHLIGHTS OVERVIEW & INVESTMENT HIGHLIGHTS STRENGHTS 2
3 Table of Contents Description Page Agenda 2 Table of Contents 3 Section 1 Economic Outlook Macro Economy Review 5 - Regional Economic Growth & Income 6 - Bank Jatim Among National Bank 7 - Section 2 Financial Highlights 8 - Balance Sheet 9 - Profit & Loss 10 - Income & Expense Growth 11 - Financial Performance 12 - Financial Ratio 13 - Financial Ratio 14 Section 3 Overview & Investments Highlights 15 - Management Team Third Party Fund 18 - Detailed Third Party Fund 19 - Third Party Fund Customer 20 - Competitive Products 21 Description Page - Type of Loan Multipurpose Loan 28 - NPL Each Segment 29 - Human Resources 30 - Achievement 2014 and Business Plan Section 4 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 & East Java Bank 39 - Divident Yield 40 - Awards & Achievements 41 - BJTM Investor 42 - Sharia 43 - Contact 44 3
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5 MACRO ECONOMY REVIEW LOAN LOAN billion billion FUND billion n billion Rp. FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 JIBOR INFLASI BI RATE 3,97% 4,13% 4,18% 5,90% 5,90% 4,30% 5,75% 5,75% 6,00% 5,55% 5,94% 5,81% 5,89% 5,85% 5,83% 5,85% 8,40% 8,38% 8,36% 7,32% 6,70% 6,38% 4,53% 7,25% 7,50% 7,50% 7,50% 7,50% 7,75% 7,50% FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Source: Bank Indonesia 5
6 Regional Economic Growth EAST JAVA YoY 7,27% 6,15% 6,40% 5,94% 5,91% 5,90% NATIONAL YoY 6,40% 5,62% 5,21% 5,12% 5,00% 5,00% FY12 FY13 3M14 1H14 9M14 FY14 Regional Growth National 5,6 5,0 JAVA Regional Economic Share Jabar 23% DKI Jakarta 6,1 5,9 Jawa Barat 6,3 5,1 Banten 7,1 5,5 Jawa Tengah 5,1 5,4 DKI 29% Banten 7% Jateng 15% DI Yogyakarta 5,5 5,2 Jawa Timur 6,1 5,9 Source: East Java Gov. Jatim 25% DIY 1% 6
7 Bank Jatim Among National Bank In billion Rp. No Bank Asset Loan Third Party Fund Paid Capital Net Income Before Tax 1 BRI Bank MANDIRI BCA BNI CIMB NIAGA BANK JATIM Source: Publication Data Bank Indonesia, December 2014 Unaudit 7
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9 Balance Sheet Information In million Rp 3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ Total Asset ,21% ( ) ,73% -266,66% Placement BI & Other ,50% ( ) ,42% -246,11% Loan ,12% ,74% 245,30% Third Party Fund ,64% ( ) ,52% -241,77% - Current Account ,47% ( ) ,92% -274,75% - Saving Account ,68% ( ) ( ) 8,11% -187,94% - Time Deposit ,75% ( ) ,21% -177,81% Equity ,33% ( ) ,27% 31,23% 9
10 Profit & Loss Information In million Rp 3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ Interest Income ,67% ,67% -8,73% Interest Expense ( ) ( ) 32,33% ( ) ( ) ( ) 32,33% -25,08% Nett Interest Income ,64% ,64% -0,47% Non Interest Operational Income Non Interest Operational Expense Nett Non Interest Operational Income (Expense) ,72% ,72% 124,78% ( ) ( ) 30,26% ( ) ( ) ( ) 30,26% 10,94% ( ) ( ) 49,51% ( ) ( ) ( ) 49,51% -0,55% Operational Profit ,39% ,39% -0,37% Non Operational Profit ,04% ,04% 390,56% Pre Tax Profit ,02% ,02% 8,62% Taxes ( ) ( ) -11,89% ( ) ( ) ( ) -11,89% -24,58% Net profit ,53% ,53% 31,23% 10
11 Income & Expense Growth Information In million Rp 3M14 3M15 YoY Placement others bank ,43% Marketable Securities ,62% Fees & Commissions ,24% Current Account Expense (59.325) (77.981) 31,45% Saving Accounts Expense (33.064) (39.144) 18,39% Deposits Expense ( ) ( ) 37,05% Salaries ( ) ( ) 12,18% Education & Training (2.040) (5.350) 162,30% Rental (26.877) (30.105) 12,01% 11
12 Financial Performance INTEREST INCOME (Rp Tril) CAGR = 11,96% INTEREST EXPENSE (Rp Tril) CAGR = 8,26% NET PROFIT (Rp Tril) CAGR = 16,15% ,2 1,7 1,7 2 2,1 2,7 2,8 2,9 3,3 4,05 1,05 0,4 0,5 0,3 0,4 0,6 0,96 1,14 0,7 0,7 0,7 0,7 0,8 0,9 0,9 0,9 0,8 0,7 0,8 0,5 0,5 0,4 0,4 0,29 0,2 0,2 0,2 0,2 0,26 THIRD PARTY FUND(Rp Tril) CAGR = 16,19 % LOAN (Rp Tril) CAGR = 20,71% TOTAL ASSET (Rp Tril) CAGR = 16,59% 5,6 6,1 7,0 9,1 38,0 30,3 26,0 20,1 22,2 16,2 13,2 13,7 14,5 12,0 2,4 3,0 3,7 4,1 4,6 5,5 7,4 13,1 10,1 22,3 18,6 16,1 26,2 26,6 6,4 7,4 8,710,7 20,0 14,2 15,716,3 17,4 24,9 33,1 29,1 38,0 45, M M M15 12
13 Financial Ratio 5,58% 4,97% 4,87% R O A 3,12% 3,54% 2,61% 4,14% 4,07% 3,55% 3,94% 3,75% 3,34% 3,82% 4,07% 3,65% 3,52% 3,38% M14 1H14 9M14 12M14 3M15 56,55% R O E 41,66% 36,90% 38,48% 40,57% 30,85%31,48% 28,59% 30,54% 33,65% 22,06%20,13%18,98%17,61% 18,96%19,04%24,29% M14 1H14 9M14 12M14 3M15 N I M 11,28% 9,23% 9,10% 9,39% 9,34% 7,28% 8,35% 9,17% 7,66% 7,95% 6,48% 7,14% 7,72% 7,03% 7,07% 6,90% 6,90% M14 1H14 9M14 12M14 3M15 13
14 Financial Ratio 80,70% 80,11% 83,55% 84,98% 86,54% 80,36% 69,67% 69,96% 73,06% 69,96% L D R 39,97% 43,23% 45,45% 45,13% 38,75% 42,11% 54,04% M14 1H14 9M14 12M14 3M15 38,45% 33,39% C A R 13,44% 17% 15,29% 18,17% 25,36% 21,32% 19,19% 16,53% 26,56% 23,72% 22,54% 20,36% 20,29% 22,17% 22,87% M14 1H14 9M14 12M14 3M15 B O P O 74,76% 75,32% 74,67% 73,83% 69,43% 68,20% 67,42% 66,04% 68,69% 70,28% 59,58% 60,02% 60,14% 64,89% 68,46% 69,63% 72,06% M14 1H14 9M14 12M14 3M15 14
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16 Change of Commissioner Board MULJANTO President Commissioner HERU SANTOSO *) President Commissioner (Independent) Experienced for 31 years in Bank Indonesia CHAERUL DJAELANI Commissioner AKHMAD SUKARDI *) Commissioner Experienced as East Java Province Secretary HADI SUKRIANTO *) Commissioner Experienced for 32 years in Bank Jatim SOEBAGYO Independent Commissioner SOEBAGYO Independent Commissioner Experienced for 36 years as Airlangga University Lecturer WIBISONO Independent Commissioner WIBISONO Independent Commissioner Experienced for 28 years in Bank Indonesia Bank Jatim is led by an experienced management team with deep knowledge on Indonesia s banking sector. *) 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. 16
17 Change of Director Board HADI SUKRIANTO President Director R SOEROSO *) President Director Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods DJOKO LESMONO Director of Medium Business & Corporate SU UDI *) Director of Medium Business & Corporate Experienced for 36 years in Bank Jatim EKO ANTONO, Director of Compliance EKO ANTONO, Director of Compliance Experienced for 32 years in Bank Jatim RUDIE HARDIONO, Director of Operations RUDIE HARDIONO, Director of Operations Experienced for 32 years in Bank Jatim TONY SUDJIARYANTO Director of Agribusiness & Sharia TONY SUDJIARYANTO Director of Agribusiness & Sharia Experienced for 27 years in Bank Jatim Bank Jatim is led by an experienced management team with deep knowledge on Indonesia s banking sector. *) 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. 17
18 Third Party Fund Current Account Saving Account Time Deposit In Billion Rp H12 9M12 FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15 Current Account YoY 56,47% Saving Account YoY 10,68% Time Deposit YoY 27,75% 18
19 Detailed Third Party Fund In Billion Rp. Current Account Government Private FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M Government Current Acc. YoY 61,12% Private Current Acc. YoY 39,91% YoY SIMPEDA 10,41% SIKLUS 102,19% Hajj Saving 21,18% TabunganKu (11,34%) Barokah Saving 5,54% ime Deposit Time Deposit YoY 27,75% FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15 19
20 Third Party Fund Customer Total Customer Current Account Saving Account Time Deposit FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Ticket Size Current Account Saving Account Time Deposit 398,19 402,18 336,98 332,50 325,46 342,00 277,61 231,07 261,34 185,21 342,52 359,18 312,70 277,33 273,04 278,83 218,31 248,66 212,77 232,36 3,99 3,22 3,29 3,03 2,42 1,99 1,92 2,10 2,54 2,08 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 20
21 Competitive Product delivery e-channel transaction: transaction Individual transaction transaction Corporate transaction transaction 21
22 Loan Proportion CONSUMER LOAN Mar 14 Mar 15 Multipurpose 57,57% 57,03% Mortgage 4,83% 5,04% Others 2,52% 2,15% SME Total 64,93% 64,23% COMMERCIAL LOAN Mar 14 Mar 15 Standby Loan 3,82% 3,06% Keppres 1,67% 1,69% COMMERCIAL Overdraft 11,36% 9,69% CONSUMER Syndicate 3,58% 4,59% Total 20,44% 19,02% Small Medium Ent. Mar 14 Mar 15 KUR 5,48% 3,36% Pundi Kencana 2,66% 3,58% Jatim Mikro 0,10% 1,30% Others 6,41% 8,51% Total 14,64% 16,75% 22
23 Type Of Loan Consumer Commercial SME In Billion Rp YoY Consumer 15,87% Commercial 9,03% SME 34,00% FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15 23
24 Type Of Loan Consumer Loan Multipurpose Mortgage Others In Billion Rp YoY Multi purpose 16,03% Mortgage 22,17% Others 0,07% FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15 24
25 Type Of Loan Commercial Loan In Billion Rp. Standby Loan Keppres Overdraft Syndicate YoY Standby Loan (6,32%) Keppres 18,78% Overdraft (0,11%) Syndicate 49,85% FY12 3M13 1H13 9M13 FY13 2M14 3M13 1H14 9M14 FY14 3M15 25
26 Type Of Loan SME Loan KUR Pundi Kencana Mikro Others In Billion Rp YoY KUR -28,10% Pundi Kencana 57,56% Mikro 1453,55% Others 55,64% FY12 3M13 1H13 9M13 FY13 2M14 3M14 1H14 9M14 FY14 3M15 26
27 Type Of Loan Total Customer Consumer Commercial SME M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Ticket Size Consumer Commercial SME 693,65 606,78 487,55 514,45 764,28 624,03 562,76 681,96 796,78 582,31 583,11 593,3 702,6 83,41 84,48 85,52 82,82 80,34 81,95 82,69 88,19 75,56 91,47 96,37 100,69 102,8 40,48 42,3 43,2 45,5 47,51 50,89 52,61 54,72 56,97 59,47 62,25 64,36 65,2 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 27
28 Multipurpose Loan Multiguna Ticket Size (million) Rp. 29,2 32,5 38,9 43,6 45,8 48,8 50,6 52,2 54,2 56,7 59,3 61,2 61, M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Multiguna Loan Balance ( Billion Rp. ) M13 1H13 7M13 9M M14 1H14 9M14 FY14 3M15 Description Details Civil Servants (per August 2014) Multipurpose Customer (Civil Servants) NPL 0,21% as of March 2015 % 57,37% 28
29 NPL Each Segment 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Consumer Loan 0,36% 0,39% 0,47% 0,13% 0,45% 0,56% 0,53% 0,60% 0,66% SME Loan 13,66% 14,18% 12,50% 12,45% 12,49% 10,46% 10,37% 8,95% 9,28% Commercial Loan 2,95% 3,21% 3,63% 7,07% 6,6% 6,69% 5,89% 6,04% 9,90% 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 NPL Gross 3,15% 3,29% 3,13% 3,44% 3,63% 3,53% 3,34% 3,31% 3,87% Coverage Ratio 40,42% 46,40% 53,78% 69,18% 70,80% 74,70% 74,49% 71,43% 78,95% 29
30 Human Resources No DATA March 2014 March Board of Commisioner Board of Sharia Supervisory Director Management Management Management Management Staff of Administration Staff Non Administration Non Permanent Outsource Total
31 Achievement 2014 & Business Plan 2015 Description Des 2014 Total Asset 15,11% Loan 18,61% Third Party Fund 16,48% Interest Income 21,89% Net Profit 16,23% Financial Ratio - CAR 21,65% - LDR 86,54% - NPL Gross 3,06 % - NIM 7,14 % - BOPO 69,14% - ROE 19,35% - ROA 3,53% Description Target 2015 Total Asset 16,38% Loan 20,00% Third Party Fund 17,13% Interest Income 14,12% Net Profit 18,80% Financial Ratio - CAR 19,10% - LDR 94,75% - NPL Gross 2,60% - NIM 7,22% - BOPO 69,70% - ROE 19,33% - ROA 3,43% 31
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33 Funding Composition 23.7% 28.5% 23.5% 21.2% 23.9% 23,7% 28,7% 23,7% 21,0% 23,9% 19,7% 23,2% 25,2% 27,7% 24.6% 25.4% 28.8% 36.2% 35.8% 24,1% 25,0% 28,4% 35,9% 35,4% 36,8% 38,4% 36,3% 24,2% 51.7% 46.0% 47.7% 42.6% 40.3% 43.5% 46,3% 48,0% 43,1% 40,7% 43,5% 38,4% 38,5% 48,2% M15 Time deposit Saving deposit Current account CASA March ,33 % 33
34 Cost Of Fund COF 4,92% 5,00% (+) Local Government (-) Local Government 2,75% 2,39% 3,10% 3,28% 3,31% 2,58% 3,26% 3,81% 3,71% 2,67% 3,45% 4,48% 4,53% 3,00% 2,53% 3,02% 3,18% 3,21% 2,61% 3,16% 3,54% 3,48% 2,68% 3,01% 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 34
35 Micro Loan Unit Unit Age March 2015 No Branch Amount Month Plafond In thousand Outstanding In thousand NOA RR NPL 1 Surabaya ,00% 0,00% 2 Sidoarjo ,00% 0,00% 3 Madiun ,44% 0,56% 4 Mojokerto ,00% 0,00% 5 Kediri ,00% 0,00% 6 Gresik ,00% 0,00% 7 Malang ,00% 0,00% 8 Jember ,00% 0,00% 9 Banyuwangi ,00% 0,00% 10 Tulungagung ,00% 0,00% 11 Ponorogo ,00% 0,00% 12 Blitar ,00% 0,00% Total ,93% 0,07% 35
36 Network Network M15 NETWORK 2015 Head Office Branch Office Sub Branch Office (sharia) 27 (8 sharia + 19 conventional Cash office cash office Sharia service office Payment Point Mobile cash payment point 17 mobile cash Mobile ATM CDM ATM ATM Total network
37 Treasury Dealing Room Money Market Capital Market & Fixed Income Foreign Exchange Treasury Marketing & Sales Placement Buying Marketable Securities Buying Foreign Currencies Customer Transaction Borrowing Selling Marketable Securities Selling Foreign Currencies Transaction with BI ASET Nominal (Rp juta) BI Placement 26,242 Placement Other Bank 4,170,853 Repo 19,846 Reverse Repo 99,232 Liability Liability with BI - Liability with other Bank 417,085 Interest Income Nominal (Rp juta) From Bank Indonesia 2,183 From Placement Other Bank a. Interbank Call Money 222,845 a. Time Deposit 208,581 Marketable Securities buying and selling transaction planning 2015: a.trading portfolio ( for nation marketable securities including maintain statutory reserve), at +Rp. 226 Milyar; b.afs portfolio (for nation marketable securities including maintain statutory reserve), at + Rp. 1,5 Triliun ; c.htm portfolio (include reksadana), at +Rp. 2,8 Triliun. Income forecast from Marketable Securities at least + Rp. 313 Milyar. 37
38 Bank Jatim Among Regional Bank No Bank Asset Loan Third Party Fund Paid Capital Net Income After Tax 1 Bank JABAR BANTEN Bank JATIM Bank DKI Bank JATENG Bank KALTIM Source: Bank Indonesia, December 2014 Unaudit 38
39 Bank Jatim Growth Among National & East Java Bank Information National East Java Bank Jatim Total Asset 13,34% 12,95% 14,98% Third Party Fund - Current Account - Saving Account - Time Deposit 12,29% 14,93% 16,48% 5,05% 15,20% 16,85% 5,92% 7,23% 10,25% 20,93% 22,19% 26,14% Credit 11,65% 13,25% 18,61% - Productive 11,61% 13,46% 23,78% - Consumptive 11,51% 12,66% 16,48% Source: Data December 2013 and December 2014 Bank Indonesia & KEKR Prov Jatim 39
40 Dividen Yield 9.0% BJTM 8.5% 3.5 % 3.8 % BJBR BBTN BBKP 2.0 % INDUSTRY Bank (30/01/2015) Price Market Cap Rp bn EPS Growth PBV PER Dividend Yield BBCA ,2 3,9 19,7 1,1 BBRI ,8 2,9 12,1 2,3 BMRI ,4 2,5 12,6 2,2 BBNI ,5 2,1 11,1 2,5 BDMN ,7 1,4 12,9 2,7 BTPN ,2 1,7 9,5 1,6 BBTN ,7 1,0 9,4 3,5 BJBR ,2 1,3 7,5 8,5 BBKP ,9 1,2 5,3 3,8 BJTM ,2 0,8 7,0 9.0 Source: Securities (31 March 2015) 40
41 Awards & Achievements Indonesia Bank Loyalty Award 2014 IAIR Award 2014 APBI 2014 INFOBANK AWARD 2014 PLATINUM AWARD 2014 MRI Best Service Excellence
42 BJTM INVESTOR Foreign Institution Investor March ,03 % from public shares Domestic Investor March ,97 % from public shares Public shares 20 % from paid capital Foreign Institution Investor March ,90 % from public shares Domestic Investor March ,10 % from public shares No Country Share 1 INDONESIA 37,101% 2 NORWEGIA 13,459% 3 AMERIKA 11,379% 4 SIPRUS 11,584% 5 FINLANDIA 6,057% 6 VIRGIN ISLAND 5,180% 7 IRLANDIA 4,448% 8 LUKSEMBURG 4,156% 9 JEPANG 1,544% 10 SINGAPURA 0,781% 11 INGGRIS 1,322% 12 AUSTRALIA 1,041% 13 MALAYSIA 0,002% 14 KANADA 0,545% No Country Share 15 JERMAN 0,499% 16 CINA 0,359% 17 SWITSERLAND 0,296% 18 CAYMAN ISLAND 0,136% 19 SWEDIA 0,047% 20 HONGKONG 0,006% 21 GUYANA 0,020% 22 BELANDA 0,015% 23 SELANDIA BARU 0,006% 24 KOREA SELATAN 0,009% 25 FILIPINA 0,002% 26 BELGIA 0,006% 27 MALADEWA 0,001% Total 100% 42
43 Sharia 2013 Synergy Alliance, network 2014 Network Strenghten & SDI 2015 Technology Strenghten & SDI 2016 Prepare Spin Off 2017 FINANCIAL FINANCIAL FINANCIAL FINANCIAL NETWORK & OPS 3 KC 5 KCP 47 KLS NETWORK & OPS 5 KC 8 KCP 55 KLS NETWORK & OPS 3 KC 8 KCP 35 KLS NETWORK & OPS 7 KC 16 KCP 60 KLS STRATEGY Placement SDI in KLS Production KLS as KPI konven Recruit SDI Education for UUS and konven Research Pilot Project KMS STRATEGY Strenghten Internal Network Strenghten partnership with LKMS Strenghten SDI competence Strenghten SDI emphaty Working Culture (FASTER) STRATEGY Build Infrastructure UMK Empowerme nt Product Innovation Link IT and UUS, LKMS and UMK Massice marketing UMK Product STRATEGY Prepare SDM Structure examine (stock) Product synergy, service, IT, network Law preparation new structure 43
44 CONTACT Investor Relation Unit (IRU) Corporate Secretary (031) Ferdian Timur S. Ext. 475 Investor Relation Manager - Abdulah Basid Ext. 472 Analis -Lukas Yudhi W.S Ext. 468 Junior Analis -Frizki Putera N Ext. 469 Junior Analis
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