PT Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
PT Bank Pembangunan Daerah Jawa Timur Tbk Class B — Q3 2026 Earnings Presentation
31 slides from PT Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, October 2026
Slide 1: 3Q26 Corporate Presentation
3Q26 CORPORATE PRESENTATION PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk OCTOBER 2026 1
Slide 2: Table of Content
TABLE OF CONTENT Introduction 3 Economic Highlights 7 Business Plan & Product 12 Financial & Digital Performances 16 2
Slide 3: Introduction
INTRODUCTION 3
Slide 4: Bank Jatim at a Glance
Bank Jatim at a Glance Vision Date of Establishment “To be the No. 1 Regional August, 17th 1961 Development Bank in Indonesia” Corporate Culture Number of Employees Mission Accelerating Performance and Sustainable EXcellence 7.543 Jatimers Business Transformation Toward a Digital Bank Driven by High
Slide 5: Board of Commissioner
Board of Commissioner ADI SULISTYOWATI MUHAMMAD MAS’UD ADHY KARYONO Independent President Independent Commissioner Commissioner Commissioner Experience: Experience: Experience: Special Staff to the Minister of Expert Staff to the Minister for Social Independent Commissioner of Social Affairs for Hum
Slide 6: Board of Director
Board of Director WINARDI LEGOWO R. ARIEF WICAKSONO President Director Vice President Director Experience: Experience: Senior Vice President Director of Micro, Retail & Sharia PT Bank Mandiri (Persero) Tbk Business, PT Bank Pembangunan Daerah Jawa Timur Tbk UMI RODIYAH WAHYUKUSUMO WISNUBROTO TONNY P
Slide 7: Economic Highlights
ECONOMIC HIGHLIGHTS 7
Slide 8: Indonesia Economic
Indonesia Economic Indonesia Economic Growth BI Rate x Inflation 5,39% 6,00% 5,75% 5,75% 5,75% 5,50% 5,02% 5,12% 5,61% 4,75% 4,75% 4,75% 4,87% 5,29% 5,05% 4,95% 3,48% 3,34% 3,28% 5,04% 2,65% 2,92% 1,57% 1,87% 1,03% 1H24 3Q24 FY24 1Q25 1H25 3Q25 FY25 1Q26 1H26 FY24 3M25 1H25 9M25 FY25 3M26 1H26 9M26
Slide 9: East Java Economic
East Java Economic East Java Economic Growth Asset & Loan (IDR Tn) Deposit (IDR Tn) 5,96% 5,84% 5,33% 831 832 4,93% 5,00% 5,12% 5,15% 914 908 948 944 974 983 930 806 795 799 721 729 730 728 730 744 720 772 776 Econ. Growth ∆YoY: 0.72% Asset YoY: 5.77% Loan YoY: 2.06% Deposit YoY: 4.70% FY24 1Q25 1H2
Slide 10: KBMI
KBMI BJTMx Indonesia Banks Industries 8M26 Asset (IDR Tn) (KBMI 2 / Tier 1 Capital - IDR 6-14 Tn) 102,07 102,39 105,19 106,56 105,85 101,07 101,90 101,92 Asset 5 Loan 4 71,23 73,67 72,65 74,10 76,65 69,60 70,81 66,55 Deposit 5 Net Profit 4 FY24 1Q25 1H25 3Q25 FY25 1Q26 1H26 8M26 0 1 2 3 4 5 6 BJTM K
Slide 11: Navigating Volatility with Resilience
Navigating Volatility with Resilience PROTECTION MARKET PENETRATION Safeguarding Asset Quality, Financial Resilience, and Operational Security Expanding Business Reach, Deepening Customer Relationships, and Accelerating Digital Adoption Selective Loan Disbursement Comprehensive Lending Solutions Imp
Slide 12: Business Plan & Product
BUSINESS PLAN & PRODUCT 12
Slide 13: Driven Force Economy Through Captive Market
Driven Force Economy Through Captive Market Regional & Local Government Small Medium Enterprise Private Sector • Financial transactions (payroll, budget) in • Potential of million MSME in East Java • Financial transaction in public/private regional & rural government Sector • Bank’s network in all c
Slide 14: Main Pillars Transformation
Main Pillars Transformation Vision To Be No. 1 Regional Development Bank in Indonesia Accelerating performance and Mission sustainable business transformation Contributing to East Java’s Implementing sustainable finance toward a digital bank empowered by a economic growth principles highly competiti
Slide 15: Financial & Digital Performances
FINANCIAL & DIGITAL PERFORMANCES 15
Slide 16: Network & Digital Performances
Network & Digital Performances Network Jconnect Mobile QRIS Transaction 1,061,725 230,543 User User (+13.61% YoY) (+17.05% YoY) 59.25 Million 33.86 Million Transaction Transaction (+52.88% YoY) (+69.27% YoY) Transaction IDR 56.87 Trillion Transaction IDR 4.16 Trillion Amount (+23.78% YoY) Amount (+5
Slide 17: Outlook Financial Performance 3Q26 (Consolidated)
Outlook Financial Performance 3Q26 (Consolidated) Balance Sheet (YoY %) Income Statement (YoY %) 30,59% 35,22% Interest Asset 163.379 10.042 Income 7.427 125.110 Net 39,19% 38,09% Interest 7.103 Loan 110.821 Income 5.103 80.252 28,29% PPOP 3.598 25,87% 2.805 Deposit 125.022 61,89% 99.324 Net Profit
Slide 18: Balance Sheet & Income Statement (Bank Only)
Balance Sheet & Income Statement (Bank Only) (In billion IDR) 9M25 9M26 YoY FY25 1Q26 1H26 (In billion IDR) 9M25 9M26 YoY FY25 1Q26 1H26 ASSET 106,559 102,614 -3.70% 106,108 101,068 101,899 Interest Income 6,405 5,979 -6.65% 8,555 1,981 3,926 Bank Placement 6,610 7,158 8.28% 6,074 7,526 7,823 Intere
Slide 19: Quarterly Financial Ratio (Bank Only)
Quarterly Financial Ratio (Bank Only) RATIO 3M24 1H24 9M24 FY24 3M25 1H25 9M25 FY25 3M26 1H26 9M26 Profitability ROA 1.59% 1.53% 1.63% 1.60% 1.50% 1.77% 1.76% 1.90% 1.90% 1.80% 1.83% ROE 11.24% 10.85% 11.57% 11.89% 10.37% 12.33% 12.36% 13.35% 11.75% 11.43% 11.65% NIM 5.43% 5.50% 5.72% 5.86% 6.32% 6.
Slide 20: Deposit Performance (Bank Only)
Deposit Performance (Bank Only) DEPOSIT GROWTH Number of Account 9M25 9M26 YoY Ticket Size 9M25 9M26 YoY (in billion Rp) (Rp Million/Customer) 22,225 20,059 -9.75% Current Account 166,761 171,811 3.03% 116.7 Current Account 28,627 29,505 3.07% Saving Account 10,550,674 8,570,469 -18.77% 3.4 Saving A
Slide 21: Loan Performance (Bank Only)
Loan Performance (Bank Only) Ticket 68.180 LOAN GROWTH (in billion Rp) COMPOSITION 67.244 65.978 67.450 66.547 Size (Rp Million SEGMEN 9M25 9M26 YoY 9M25 9M26 /Customer) Multipurpose 30,074 30,323 0.83% 44.11% 45.57% 96 36.247 36.542 36.401 36.304 36.320 Property 3,253 2,967 -8.78% 4.77% 4.46% 197 3
Slide 22: NPL, Restructure & Impairment
NPL,East Java Economic Restructure & Impairment NPL by Segment Reducing NPL Strategies Loan Restructure 4,60% CURATIVE METHODS: 4,24% 4,29% 4,38% 1.Loan Restructure & Write-Off; 4,15% 4,10% 3,88% 2.Repayment Stimulus; 4.077 4.177 3.Collateral Auction; 3.645 3.658 3.743 4.Small Claims Courts 3.447 3.
Slide 23: Bank Business Group Synergy
Bank Business Group Synergy International Banking Business Implementation increasing international transaction volume through Remittance and Trade Processing Agent partnerships Custody & Banknote Services Collaboration in Safekeeping and Custodian Services for Securities Transactions and Banknote Re
Slide 24: BJTM KUB Performances (3Q26)
BJTM KUB PERFORMANCES (3Q26) Asset 17,440,041 17,875,492 13,537,081 11,983,269 10,921,223 CAR 20.63% 26.25% 37.09% 29.89% 32.42% Loan 12,665,323 13,736,481 9,741,915 8,131,920 6,035,428 ROE 11.67% 5.56% 17.68% 17.17% 3.13% Deposit 14,144,571 14,274,308 10,612,493 9,618,372 7,476,317 ROA 1.57% 0.92%
Slide 25: Value Beyond Profit
Value Beyond Profit Sustainable Portofolio (FY25) Corporate Social Responsibility ESG Sustainalytics Rating 5,40 Tn (total loan disbursement) SECTOR 2023 2024 2025 Education 1.45 B 2.77 B 2.90 B • ESG RISK RATING 22.45 Green Buildings in “MEDIUM RISK” Health 3.33 B 3.93 B 0.94 B 18% Accordance with
Slide 26: Compound Annual Growth Rate
Compound Annual Growth Rate Interest Income Interest Expense Net Profit 10,0 3,0 2,0 8,03% 2,5 7,34% 5,49% 8,0 1,5 2,0 6,0 1,5 1,0 4,0 1,0 0,5 2,0 0,5 0,0 0,0 0,0 Deposit Loan Total Aset 100,0 80,0 120,0 9,45% 9,63% 9,68% 80,0 100,0 60,0 80,0 60,0 40,0 60,0 40,0 40,0 20,0 20,0 20,0 0,0 0,0 0,0 26
Slide 27: Stock Performances
STOCK PERFORMANCES 27
Slide 28: Ownership
Ownership Stock Ownership Foreign Investor Stock Price (Series B): 2.44% 1000 Domestic Investor (Series B): 18.08% 800 East Java Government IDR 510, Sep 30 2026 (Series A) 51,13% Jul 12, 2012 East Java City & Municipal 600 IDR 430,- Government (Series A) 28.35% 400 200 0 CREDIT RATINGS INDEKS ESGS K
Slide 29: Stock Performance
Stock Performance Price History PBV 1,36 1,30 794 1,18 1,22 750 1,14 710 690 700 710 1,03 1,04 1,05 1,03 625 0,98 0,93 570 540 540 0,77 460 437 0,65 380 375 0,58 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 202
Slide 30: Awards
Awards 14 th Infobank Digital Brand KPK Award for Good The Excellent Performance People’s Economy Catalyst CNN Awards 2025 - Regional AwardsIsentia 2025 Gratification Control of Bank-KBMI 2 30th Infobank Banks - KBMI 1 & 2 Financial Inclusion Accelerator PT Bank Jatim Tbk’s banking Appreciation 2025
Slide 31: Thank You
THANK YOU PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk Investor Management Bank Jatim Headquarter 4th Floor Jl. Basuki Rachmat No. 98 – 104, Surabaya 60271 Telp: (031) 5310090 ext. 475 Email: iru@bankjatim.co.id Website: www.bankjatim.co.id 31
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