Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — FY2025 Earnings Presentation
26 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Mar 30, 2026
Slide 1: FY 2025 Corporate Presentation
FY 2025 CORPORATE PRESENTATION PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk March 30th,2026
Slide 2: Indonesia Economic
bankjatim y 2 Indonesia Economic Indonesia economic growth BI Rate x Inflation 5 ~~. 5.11% BEL 5.05% — a og Ee 475% 475% Nios Es 292% NY 87% 1.87% 1.03% 1H24.«9M24—s*FY24©=3M25.— ss 1H25-— OM25—FYY25 om24 FY24 3M25 1H25 9M25 FY25 —Economic Growth (Indonesia) m Inflation Rate mana S Consumer Confiden
Slide 3: East Java Economic
East Java Economic East Java Economic Growth Asset an (IDR Tn) 5.33% Econ. Growth AYoY: 0.40% aA 5914 908 een 930 pe 948 wm 944 eg 512% ee 5.12% 2779 721 es 729 ee 730 me 728 ew 5.00% 4.93% Asset YoY: 3.33% Loan YoY: 1.18% FY24 = 3M25.—1H250— M25 FYY25 FY24 = 1925, 1H25, 3Q25-—FY25 FY24 1025.2 1H25.
Slide 4: Tier Capital Banking Group
TIER 1 CAPITAL BANKING GROUP OMA es ks Industries 11M25 Pesca Asset Loan Deposit Net Profit 3Q24 FY24 1Q25 1H25 3Q25 11M25 re) 2 4 6 8 ——sT™M —-@— KBMI Average S y, Net Profit (IDR Tn) -------e----e----0----60 3Q24 FY24 1025 1H25 3Q25 11M25 3Q24 FY24 1Q25 1H25 3Q25 11M25 3Q24 FY24 1025 1H25 3Q25 11M
Slide 5: Key Points of Strategies
bankjatin, Key Points of Strategies Funding Rebalancing Rebalance of funding structure, by deepening low cost deposit market share and bonds issuing to maintenance Bank's stable fund profile; Eyes on Loans Disbursement Banks focus on prospective sector/ industries meanwhile keep continuing accelerat
Slide 6: Main Pillars of Transformation
bankjatin, Main Pillars of Transformation Vision To Be No. 1 Regional Development Bank in Indonesia Accelerating performance and sustainable business Contributing to East Java's Implementing sustainable finance Mission transformation toward a digital bank empowered by a + th rincinles highly competi
Slide 7: Network & Digital Performances
bankjatin, Network & Digital Performances Scomect 203,725 User aspen iat User (418 45% Yoy) 58.57 Million Transaction _—_28.93 Million Transaction (+36,19% Yoy) 7 - ire Transaction 65.77Trillion ransactiony .94 Trillion Amount (+29,55% Yoy) Amount (+47.25% Yoy) 1 Headquarter JConnect Corporate Inter
Slide 8: Highlight Financial Performance FY25 (Consolidated)
bankjatim y 2 Highlight Financial Performance FY25 (consotidatea) Balance Sheet (Yoy %) \ Income Statement (Yoy %) 42.93% 22.64% 10,161 A Did 8,285 : sset 168,855) 5 Net 25.90% 46.65% Interest 7,086 75,353 36.50% ror ar aT Deposit 127,249 24.80% 90,016 Net Profit [RSV NG 1,546, 1,280 ©]% HFY25(IDRBi
Slide 9: Bank Business Group (KUB)
bankjatim y 2 ee Bank Bank Business Group (KUB) WeankNTB oe PAKS ULTRA — uaa (ampung 9 bankbanten WeankNTB bankNTT GANKSULTRA =i Lampung bankbanten Syariah Es Key Financial Ratio Balance Sheet & Income Statement (in billion Rp) Asset 1730169 20,092.88 14,813.53 11,481.95 10,001.45 CAR 21.28% 26.81%
Slide 10: Bank Business Group (KUB) Members and Synergy
bankjatim y 2 Bank Business Group (KUB) KUB Members Synergy Aspects 1. CAPITAL ASPECTS W BankNTB Asa strategic partner for fi — Syarial local governments to improve the quality and WW eich) w—_ Bank capacity of Regional Banks; == Lampung 2. BUSINESS & FINANCIAL — ASPECTS Banking business collaborati
Slide 11: Loan Performance
bankjatim y 2 Loan Performance ia LOAN PERFORMANCE & COMPOSITION ~ LOAN GROWTH (in billion Rp) COMPOSITION met 68,180 EATS] 66,455 67310 67,244 _ SEGMEN FY24 FY25 YoY —-FY24 Fy25 cen Multipurpose 28,193 30,370 7.72% 44.01% 45.16% 99 Property 3,218 3,163 -1.68% 5.02% 4.70% 207 Others 2,997 3,009 0.40
Slide 12: NPL, Restructure & Impairment
NPL, Restructure & Impairment 0.96% 1.07% 1.18% 1.21% 1.21% FY24 3M25 1H25 9M25 FY25 mmm Consumer mami Non Consumer —@- NPL REDUCING NPL STRATEGIES CURATIVE METHODS: Loan Restructure & Write-Off; Repayment Stimulus; Collateral Auction; Small Claims Courts wh PREVENTIVE METHODS: Selective Loan Distri
Slide 13: B/S & I/S Performances (Bank Only)
B/S & /S Performances (eank onty) (In billion IDR) ASSET Yoy 1Q25 102,074 105,853 3.70% 102,213 101,758 106,559 Bank Placement (In billion IDR) Interest Income 8,025 8,567 FY25 Yoy 125 bankjatin, 1H25 3Q25 6.74% 2,095 4,171 6,405 6,083 -9.82% Marketable Securities 29,136 5.74% LOAN 67,244 4.98% Allo
Slide 14: Quarterly Financial Ratio
Quarterly Financial Ratio bankjatin, RATIO FY23 3M24 1H24 9M24 FY24 3M25 1H25 9M25 Profitability ROA 1.87% 1.59% 1.53% 1.63% 1.60% 1.50% 1.77% 1.76% 1.90% ROE 13.96% 11.24% 10.85% 11.57% 11.89% 10.37% 12.33% 12.36% 13.35% NIM 5.57% 5.43% 5.50% 5.72% 5.86% 6.32% 6.15% 6.09% 6.15% BOPO 77.27% 81.20% 8
Slide 15: Deposit Performance
Deposit Performance Number of bankjatim y 2 oeinbill Tre FY24 FY25 YoY Account FY24 FY25 YoY (Rp Mililon/Customer) Current Account 19,022 21,407 12.54% Current Account 161,591 169,398 483% 126.4 Saving Account 31,462 30,858 -1.92% Saving Account 10,096,798 10,699,380 5.97% 2.9 Time Deposit 27,012 26
Slide 16: Guidance (Bank Only)
bankjatim y 2 Guidance (Bank Only) Total Asset 3-5% Loan 6-8% Customer Deposit 5-6% Pre Tax Profit 5-7% NPL Gross 3,2-3,4%
Slide 17: Value Beyond Profit
Value Beyond Profit Sustainable Portfolio (FY25) Corporate Social Responsibility ESG Sustainalytics Rating 5,40 TI cratican cisdursement 3% SECTOR 2023 2024 2025 Education 1.45B 2.77B 2.90B Renewable Energy Health 3.33B 3.93B 0.948 ESG RISK RATING 22.45"MEDIUM RISK” Culture = S508 n/a n/a PT Bank Pe
Slide 18: Digital Development and Green Financing Initiatives
E-KPR Development (digital mortgage app) E-Loan (digital SMEloan app) Ean 1. Training on Green Financing 2. Green Portfolio 3. Technical Workshop on Prep Risk Management and Sce PRISMA (loan early warning system app) PRSMa# Reports 4. Climate Risk Stress Credit Risk Analysis Memorandum Jconnect (mob
Slide 19: Climate Risk Management Action Plan
Climate Risk Management Action Plan LIQUIDITY . OPERATIONAL RISK RISK _ CREDIT _ MARKET \ RISK RISK SHORT-TERM SHORT-TERM SHORT-TERM SHORT-TERM * Strengthening * Bonds issuances * Developinga * Strengthening the climate risk through the Contingency Business Continuity assessment within Sustainable P
Slide 20: ESG Implementation
ESG Implementation BUSINESSINSiGHT Credit disbursement aligned with leading economic sectors in East Java, which are able to generate a multiplier effect Efisiensi Proses Bisnis Bank Jatim (BJTM) Berkat Digitalization of business processes in products and services 4 ae RT AWARD. CSRin the fields of
Slide 21: 9.0 3.0 1.8 8.0 1.6 7.0 2.5 1.4 6.0 2.0 1.2 5.0 1.0 1.5
9.0 3.0 1.8 8.0 1.6 7.0 2.5 1.4 6.0 2.0 1.2 5.0 1.0 1.5 0.8 4.0 3.0 1.0 0.6 2.0 0.4 0.5 0.2 1.0 0.0 0.0 0.0 90.0 70.0 120.0 80.0 60.0 100.0 70.0 60.0 50.0 80.0 50.0 40.0 60.0 40.0 30.0 30.0 40.0 20.0 20.0 10.0 20.0 10.0 0.0 0.0 0.0
Slide 22: Share Ownership and Stock Performance
bankjatin, Domesticinvestor Foreign Investor (Series B): 18.22% (Series B): 2.30% DES 30 2025 IDR 540- East Java City & Municipal East Java Government Jul 12, 2012 Government (Series A) 28.35% (Series A) 51,13% IDR 430,- 500 QO 400 PEFINDO IDX 1 Lares 300 : r : : : r INDEKS INDEKS ESGS KEHATI 2014 2
Slide 23: Awards
Awards 14 th Infobank Digital Brand Awards Isentia 2025 The Asian Post The Best Regional Champions 2025 KPK Award for Good Gratification Control of PT Bank Jatim Tbk's Gratification Control Unit Warta Ekonomi Indonesia Public Relation Awards 2025 Marketing Contact Center Service Excellence Awards 20
Slide 24: Board of Commissioner
Board of Commissioner J M.MAS'UD SAID Independent Commissioner Experience: Special Staff to the Minister of Social Affairs for Human Resources Development and Ministry Programs DADANG SETIABUDI Independent Commissioner f Experience: IT & Operation Director of PT Bank Negara Indonesia (Persero) Tbk A
Slide 25: Board of Director
Board of Director UMI RODIYAH Director of Compliance Experience: SEVP Sharia Business PT Bank Pembangunan Daerah Jawa Timur Tbk WINARDI LEGOWO President Director Experience: Senior Vice President PT Bank Mandiri (Persero )Tbk WAHYUKUSUMO WISNUBROTO { Director of Finance, Treasury & Global Services (
Slide 26: Thank You
Thank You bersama membangun indonesia | bankjatim # PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk Investor Management Bank Jatim Headquarter 4th Floor JI. Basuki Rachmat No. 98 - 104, Surabaya 60271 Telp: (031) 5310090 ext. 475 Email: iru@bankjatim.co.id Website: www.bankjatim.co.id ct
PT Bank Pembangunan Daerah Jawa Timur — FY2025 Earnings Presentation on 6ix