Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM

Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — FY2023 Earnings Presentation

30 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Jan 23, 2024

  1. Slide 1: Corporate Presentation FY23

    bankjatim y 7 PT BANK PEMBANGUNAN DA JAWA TIMUR Tbk CORPORATE PRESENTATION FY23 January 23", 2024

  2. Slide 2: Indonesia and East Java economic growth

    5.73% 5.02% 5.46% 5.01% 5.04% 5.17% 4.94% 5.76% 5.59% 5.24% 5.25% 4.86% 4.76% 4.96% Indonesia East Java 2

  3. Slide 3: Performance: To be 1st regional bank in Indonesia

    bankjatim y 7 yy)> PERFORMANCE TO BE 15t REGIONAL BANK IN INDONESIA BJTM has declare new vision to be 1% regional bank in Indonesia, by continuing implement and adopt bank's business practice with maintain, scale up captive market , expand new business to bank but still connect with Regional Bank cu

  4. Slide 4: Bank Jatim ecosystem

    im eCOSYSTEM — BEGONAL % LOGAL GOVE} ‘ SIAUL PUBLIC / ME PRIVATE ENTERPRISE SECTOR iN REGIONAL & LOCAL SMALL MEDIUM PUBLIC / PRIVATE GOVERNMENT ENTERPRISE SECTOR EE Potential of 3 million MSMEs. in East Java > Financial Transaction in public /Private Sector > — Bank Jatim networkin allcities ~ Finan

  5. Slide 5: Regional government's strategic financial partner

    bankjatim y 7 Or THE REGIONAL ECONOMY REGIONAL GOVERNMENT’ S STRATEGIC FINANCIAL PARTNER BJTM is a part of financial regional government ecosystem in all east java district. Regional budget cash management, payroll administration, regional infrastructure/ development/ procurement project, social ass

  6. Slide 6: J Network

    bankjatim y 7 JCONNECT PERFGEHWIFpie: es J NETWORK FY23 Yas User 641.266 (+29% Yoy) User 7,158 (+146% Yoy) CDM/CRM . eeFeFer sc re ' Transaction a emYou AgenJatim Transaction 414,279 ATM 65 94 45% onnect Transaction Transaction AGENT Amount 42 Trillion(+45% Yoy) ‘Amount 92,3 Billion en 2.912 7.158 1

  7. Slide 7: Balance sheet and income statement

    BALANCE SHEET (In ion IDR) FY22 FY23 Yoy INCOME STATEMENT (In billion IDR) Ae FY23 ROUGH BUSINESS STRENGHTENING bankjatim, # ASSET 103,031 103,855 0.80% Interest Income 6,775 7,267 7.27% ROA 1.95% 1.87% Bank Placements 18,006 13,697 -23.93% Interest Expense (1,968) (2,316) 17.68% ROE 16.24% 13.96% M

  8. Slide 8: Balance sheet information

    bankjatim y 7 en ce INCOME STATEMENT INFORMATION (In billion IDR) FY22 Total Asset 103,031 103,855 0.80% -~6.22% 6.61% 3.92% -2.97% Bank Placement 18,006 13,697 -23.93% -27.33% 24.52% -7.52% -9.09% Marketable Securities 35,136 30,875 -12.13% -9.74% 5.83% 8.44% -15.16% LOAN 46,197 54,761 18.54% 3.89%

  9. Slide 9: Income statement

    bankjatim y 7 en ce INCOME STATEMENT (billion IDR) Fv23 2 Interest Income 6,775 7,267 7.27% 1,725 1,720 1,834 1,988 Interest Expense (1,968) (2,316) 17.68% (578) (525) (602) (611) Net Interest Income 4,806 4,951 3.01% 1,147 1,195 1,232 1,377 Non Int Opt Inc 656 756 15.17% 196 192 175 193 Non Int Opt

  10. Slide 10: Financial ratios

    bankjatim y 7 0S RATIO. 3M22 1H22 9M22 FY22 3M23 1H23 9M23 FY23 ROA 2,31% 2,05% 2,02% 1.95% 1.62% 1.91% 1.87% 1.87% ROE 22,07% 17,58% —-15,85% —-16,24% =—«-11.46% += 13.80% —-13.95% 13.96% NIM 5,08% 4,92% 5,17% 5,11% 5.30% 5.38% 5.38% 5.57% LDR 46,31% —45,88% 55,40% — 56,50% += 60.74% += 59.54% +=»

  11. Slide 11: Deposit

    bankjatim y 7 DEPOSIT PERO Ivrasbaee Saving Account 26,344 28,816 9.38% 32.22% 36.85% 3.0 3.1 Total 26,344 28,816 9.38% 32.22% 36.85% 3.0 3.1 <3 Month 23,620 20,359 -13.81% 28.89% 26.04% 390.2 330.2 >6 Month 8,168 8,096 -0.89% 9.99% 10.35% 1,437.9 972.2 Total 31,789 28,455 -10.49% 38.88% 36.39% 480.

  12. Slide 12: Fee based income and transactions

    In MillionRp FEE BASED TRANSACTION FY23 TRANSACTION VOLUME INCOME REMITTANCE 2,761,382 BANK NOTES 157,227 3,838 LETTER OF CREDIT (L/C) 306,287 TRANSACTION TT 2,752,920 L/C UNDOCUMENTED AFFAIRS 55,917 USD AUD.sGaPSt«CSGD EUR ue 3,123,587 BANKNOTES 715 0.11 004 «1.91 0.32 WEEE cute tee) 1T 170.58 0.23

  13. Slide 13: Loan growth

    bankjatim y 7 12.61% 18.54% 13.02% 60,000 8.06% 13.44% d 6.83% 2.21% 7 54,761 1.38% 47,992 50,000 45,976 46,197 42,307 bond 23,554 40,000 / f 18,845 20,042 7,54: h ‘aa 15,963 17,475 17,543 30,000 20,000 10,000 0 |__| |_| |_| = |__| |_| |_| |__| 3M22 1H22 9M22 FY22 3M23 1H23 9M23 FY23 (in billion Rp)

  14. Slide 14: Loan growth by segment

    bankjatim y 7 VANCE LOAN GROWTH (In Billion IDR) COMPOSITION TICKET SIZE (In Million) SEGMENT FY22 FY23 FY22 FY23 FY22 FY23 MULTI PURPOSE 23,863 25,238 5.76% 51.66% 46.09% 95.09 97.93 MORTGAGE 2,171 2,588 19.19% 4.70% 4.73% 167.66 188.66 OTHER 2,621 3,381 28.99% 5.67% 6.17% 274.75 257.83 TOTAL 28,65

  15. Slide 15: Productive loan by economic sector

    BANK JATIM PODUCTIVE LOAN ECONOMIC SECTOR Wholesale and Retail Trade 5,363.45 7,152.22 33.35% Construction 3,645.52 3,791.46 4.00% Processing Industry 2,324.22 3,104.08 33.55% Agricultures, Hunting and Forestry 1,439.40 2,554.46 77 47% Financial intermediaries 1,187.33 2,007.57 69.08% Community, Soc

  16. Slide 16: Consumer, Commercial & SME NPL

    Consumer Commercial & SME NPL NPL Net 16

  17. Slide 17: Loan quality data

    48,874 51,034 40,659 43,384 43,982 45,498 46,472 39,370 337 286 390 396 456 428 461 428 922 70 1,086 83 882 61 905 79 1,042 86 1,363 112 1,481 110 2,363 237 51 19 48 17 66 25 51 19 87 32 77 25 131 48 97 28 81 31 85 33 78 31 78 28 98 36 124 45 118 43 138 49 1,883 1,536 1,661 1,314 1,567 1,201 1,180 7

  18. Slide 18: Total moving average

    Total 2 per. Mov. Avg. (Total) 18

  19. Slide 19: Next step

    NEXT STEP UINpeAgeze INCREASING ENHANCING & PRIMARY DEALER LOAN BUSINESS | J CONNECT NEW SOT EN SIE yreRNari ona_| BANKING GROUP THROUGH NEW GENERATION; BUSINESS BUSINESS; MARKET: CAPTIVE MARKET BANKING ’ ECOSYSTEM; ACTIVITY; bankjatinygy e a : e "e “a a | ‘ iy it i BankNTB Syariah 19

  20. Slide 20: Outlook 2024

    bankjatim y 7 mu 1LOOK 2024 Target Description pOoaTnee Total Asset 3-4% 0.80% 2-3% Loan 12-13% 18.54% 16-18% Customer Deposit 5-6% -4.37% 2-3% Pre Tax Profit 5-6% -6.76% 3-4% ee CAR 22-23% 25.71% 24-25% LDR 58-60% 70.03% 70-75% NPL Gross 2,7-3,0% 2.49% 2,1-2,4% NIM 5,3-5,4% 5.57% 5,5-5,8% BOPO 74-7

  21. Slide 21: Appendix

    bankjatim y 7 APPENDIX

  22. Slide 22: Financial trends

    INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) 2.3 7.3 6.6 6.8 1.9 2.0 2.0 5.8 6.0 1.7 1.5 1.5 1.5 1.5 5.1 1.4 4.6 4.8 4.8 1.3 1.4 1.4 1.4 1.3 4.1 1.2 1.2 1.0 3.3 0.9 0.9 2.9 0.9 0.8 0.8 0.7 CUSTOMER DEPOSIT (Rp Tril) LOAN (Rp Tril) TOTAL ASSET (Rp Tril) 103.9 83.2 81.8 54

  23. Slide 23: Balance sheet

    bankjatim y 7 mEANCESHEET tin billion IDR) 3M22 1H22.- 9M22 923 FY23 Total Asset 105.654 108.925 98.477 ‘103,031 96,620 103,005 —-107,038 +~—«103,855 Loan 42.307 43.540 45.976 «46,197, SS «47,992 49,211. = 51,773 -~—Ss«54, 761 a torlaqpelonen (1971) (1.814) (1.737) (1,366) (1,514) (1,386) (1,402) (1

  24. Slide 24: Income statement

    bankjatim y 7 meOME STATEMENT Liebe) 3M22 1H22 9M22 FY22 3M23 1H23 9M23 FY23 (In ion IDR) Interest Income 1.674 3.350 5.086 6,775 1,725 3,445 5,279 7,267 Interest Expense (467) (971) (1.425) (1,968) (578) (1,103) (1,705) (2,316) Net Interest Income 1.208 2.380 3.661 4,806 1,147 2,342 3,574 4,951 Non

  25. Slide 25: Share price, rating and dividends

    Des 29, 2023 IDR 625,- Jul 12, 2012 IDR 430,- 300 T v v v v 2014 2016 2018 2020 2022 O @ Ee CREDIT RATING AGENCY | DX TEMPO-TDN’ Indonesia Stock Exchange PEFINDO RATING . HIGH DIVIDEN The FTSE Global Id AA-/Stable INDEKS IDX HIGH CATEGORY Equity Index Series (Double A Minus, Stable Outlook) DIVIDEND

  26. Slide 26: Ownership

    bankjatim y 7 eRSHIP > Foreign Investor (5,54%) - B Series TOP 10 B SERIES NATION Share Share East Java Government e FY22—-FY23 (51,13%) - A Series 1 Indonesia 64.44% 72.97% 2 United States 16.50% 14.78% FY22 FY23 3 Luxembourg 4.65% 1.37% " B Series Investor Domestic Share Investor Share _ Investor

  27. Slide 27: Awards

    6" Infobank MRI Satisfaction, _ Indonesia Best BUMD Indonesia Public Obsession Sustainbility Report _Digital Technology & Top BUMD Loyalty, Engagement and Awards 2023 Relation Awards Awards 2023 Year of 2021 Indonesia Innovation Awards Awards 2023 Corporate Reputation Award Business Strategy to (IPR

  28. Slide 28: Board of Commissioners

    SUPRAJARTO President Commissioner Education * Doctor of Business Management, Padjajaran University Experience: + BRI President Director + BNI Vice President Director * BRI Networks and Services Director PAMISIONERS SUMARYONO Independent Commissioner Education + Bachelor of Commerce Administrative, B

  29. Slide 29: Board of Directors

    =cTORS vi BUSRULIMAN EKO SUSETYONO President Director Director of Risk Director of Micro, Director of Finance, Operation Director Management Retail, and Medium Treasury & Global Services Experience: Experience: + BRI Malang Experience: Experience: Experience: Experience: Experience: * Acting Head of

  30. Slide 30: Thank You

    THANK YOU

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