Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — H1 2023 Earnings Presentation
32 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Jul 25, 2023
Slide 1: Corporate Presentation 1H23
bankjatim y 7 PT BANK PEMBANGUNAN DAE JAWA TIMUR Tbk CORPORATE PRESENTATION 1H23 July 25%, 2023
Slide 2: Market share in Indonesia and East Java
11.54 88.46% 5.45% 5.72% 5.02% 5.02% 5.01% 5.03% 3M23 5.76% 5.58% 5.23% 4.59% 4.76% 4.95% 0% 50% 100% 11.38% 88.62% 4M23 Indonesia East Java 0% 50% 100% 9.19% 90.81% 4M23 0% 50% 100% BJTM East Java Banks 2
Slide 3: Key Takeaways
KEY TAKEWAYS RESILENCE OF THIRD PARTY FUND The performance of Third Party Funds on a quarter on quarter basis shows the resilience of Bank Jatim's funds. Increasing CASA and LDR ratios indicate better fund management. We are optimistic that the use of third party funds will be maximized in semester
Slide 4: Financial Performance
bankjatim y 7 CAIN CIAL PERFORMANCE vin billion IDR) 1H22.1H23.—Yoy cia billion IDR) 1H22 1H23 — Yoy ASSET 108,925 103,005 -5.43% Interest Income 3,350 3,445 2.82% ROA 2.05% 1.91% Bank Placements 18,726 16,292 -12.99% Interest Expense (971) (1,103) 13.62% ROE 17.58% 13.80% Marketable 42,983 33,561 -
Slide 5: Bank Jatim Transformation
bankjatim y 7 BANK JATIM TRAY ORGANIZATIONAL TRANSFORMATION wy HUMAN CAPITALTRANSFORMATION ay RULE MAKING RULES TRANSFORMATION ' DIGITAL BANKING & IT TRANSFORMATION CORPORATE ACTION “y
Slide 6: Organizational structure
Rapat Umum Pemeg ang Saha m Komite Re mu nerasi & Komite Audit Nominasi Dewan Dewan Pen gawas Syaria h Komisaris Komite Pemantau Risiko Direktu r Uta ma Mikro, Rite l da n Keu angan, Treasury Manaje me n Risiko IT & Digital Ope rasi Kep atu han Menen gah & Glo bal Services Kor porasi, Sind ika si Co
Slide 7: Digital network 1H22 vs 1H23
PITCHPNBPA NUON WTr) JCONNECT = Se ES HB User 566.509 (+30% Yoy) zB ) User 4,853 (+30% Yoy) CDM/CRM 61 42,62% SS Om | re Transaction 3,2 Million (+36% Yoy) | Transaction 32.448 ATM 834 842 0,96% JC to aoe JConnect ONNECT Transaction 5 4 teilion (+359 Yoy) PANDAI | Transaction Laku Pand. 1 4306 rene
Slide 8: Corporate Action: Bank Business Group (KUB)
bankjatim, # CORPORATE AGisig} CORPORATE ACTION: BANK BUSINESS GROUP (KUB) A BankNTB PROGRESS UPDATE Syariat | - y Re Due Digence | ition fe AGREEMENT . Mou . FEASIBILITY STUDY Due Digence | = Bank Jatim has signed Business Bank Jatim has signed Assessment from the Agreement Dec 8, 2022 - Mar 8,2023
Slide 9: Balance Sheet
bankjatim y 7 BALANCE SHEEs INFORMATION (In billion IDR) Total Asset 108,925 103,005 -5.43% 103,031 96,620 -6.22% 6.61% Bank Placement 18,726 16,292 -12.99% 18,006 13,084 -27.33% 24.52% Marketable Securities 42,983 33,561 -21.92% 35,136 31,712 -9,.74% 5.83% LOAN 43,540 49,211 13.02% 46,197 47,992 3.
Slide 10: Income Statement
bankjatim y 7 INCOME STATEMEME INFORMATION (In billion IDR) Interest Income 3,350 3,445 2.82% 1,725 1,720 -0.31% Interest Expense (971) (1,103) 13.62% (578) (525) -9.14% Net Interest Income 2,380 2,342 -1.58% 1,147 1,195 4.13% Non Int Opt Inc 318 388 22.05% 196 192 -2.05% Non Int Opt Exp (1,395) (1,
Slide 11: Financial Ratios
bankjatim y 7 FINANCIAL RAGS RATIO FY21 3M22 1H22 9M22 FY: 3M23 1H23 ROA 2,05% 2,31% 2,05% 2,02% 1.95% 1.62% 1.91% ROE 17,26% 22,07% 17,58% 15,85% 16,24% 11.46% 13.80% NIM 5,11% 5,08% 492% 5,17% 5,11% 5.30% 5.38% LDR 51,38% 46,31% 45,88% 55,40% 56,50% 60.74% 59.54% BOPO 75,95% 68,43% 74,70% 74,24% 7
Slide 12: Third Party Funds
bankjatim y 7 THIRD PARTY FUR FUNDING GROWTH (In Billion IDR) COMPOSITION TICKET SIZE (In Million) Current Account 1H22 1H23 1H22 1H23 1H22 1H23 Government 18,716 15,536 -16.99% 19.72% 18.80% 145,083.7 115,083.7 Private 9,339 7,096 -24.02% 9.84% 8.59% 63.6 47.5 Total 28,055 22,632 -19.33% 29.56% 27.
Slide 13: Loan Growth
bankjatim y 7 LOAN GROW 13.02% 60,000 6.83% 8.06% 13.44% 2.21% 1.38% 49,211 50,000 ° asahe 16;197 47,992 ee ee 40,000 eH Is a¢a 17,475 17,543 TEAS , 15,001 , 30,000 20,000 10,000 0 = = = = = = 3M22 1H22 9m22 FY22 3M23 123 (in billion Rp) mmm Consumer Commercial & SME [YoY Growth =—@Loan 13
Slide 14: Loan
bankjatim y 7 LOAN MULTI PURPOSE 22,753 24,342 6.98% 52.26% 49.46% 93.42 93.26 MORTGAGE 2,468 2,304 -6.64% 5.67% 4.68% 180.86 171.93 OTHER 2,356 2,524 7.09% 5.41% 5.13% 298.66 222.89 TOTAL 27,577 29,169 5.77% 63.34% 59.27% 104.03 102.08 MICRO 4,331 6,244 44.17% 9.95% 12.69% 23.12 25.46 SMALL 4,678 5
Slide 15: Loan by Sector
LOAN SECTOR EAST JAVA GRDP BANK JATIM LOAN ECONOMIC SECTOR 3M22 3M23 1 Manufacturing 137.999 30,74% 1,383 2.628 90,02% 2 Agriculture, Forestry and Fishing 41.887 9,33% 1.383 1.898 37,27% 3 Motorepclenr Retail Trade; Repair of Motor Vehicles and 86.573 19,28% 5.071 6.659 31,33% 4 Accommodation and Fo
Slide 16: Consumer, Commercial & SME NPL
Consumer Commercial & SME NPL NPL Net 16
Slide 17: 40,659 43,384 43,982 45,498 46,472 39,370 6 428 922 70 1,086 83 882 61
40,659 43,384 43,982 45,498 46,472 39,370 337 286 390 396 456 428 922 70 1,086 83 882 61 905 79 1,042 86 1,363 112 51 19 48 17 66 25 51 19 87 32 77 25 81 31 85 33 78 31 78 28 98 36 124 45 1,883 1,536 1,661 1,314 1,567 1,201 1,180 797 1,267 866 1,176 735 17
Slide 18: Total Monthly
4,087 3,995 3,925 3,887 3,806 3,713 3,188 2,795 2,564 1,935 1,822 1,696 1,239 1,055.0 796.6 548.8 8 244.9 8.3 102.1 119.0 0.0 0.0 0.0 0.0 0.0 0.0 0 4M20 1H20 9M20 FY20 3M21 1H21 9M21 FY21 3M22 1H22 9M22 FY22 3M23 1H23 Total Monthly 18
Slide 19: Risk Profile
Credit Risk Market Risk Liquidity Risk Operational Risk Legal Risk Strategic Risk Compliance Risk Reputation Risk Moderate – 2.71 Low to Moderate – 1.89 Low to Moderate – 2.36 Moderate – 2.78 Low to Moderate – 1.94 Low to Moderate – 2.2 Low to Moderate – 2.2 Low to Moderate – 1.98 Mrt-23 Jun-23 Tren
Slide 20: Risk Based Bank Rating
bankjatim y 7 BANK SOUNDNESssis ry —< L11 3"2 Rank - Reflecting that the Bank's management In terms of Composite Inhern Risk is classified as Low while KPMR is Adequate This is reflected in adequate fulfillment of the principles of good governance. 1 I fsxrome J Rank I has implemented Good Governanc
Slide 21: Guidance & Outlook
bankjatim y 7 GUIDANCE & OUNSKSIsi arises Target Target Description 2022 Rev 2023 Rev Total Asset 2-3% 2,29% 3-4% * Loan 4-5% 8,06% 12-13% Third Party Fund 2-3% -1.72% 5-6% * Pre Tax Profit 1-2% 4.75% 5-6% CAR 22-23% 24.74% 22-23% LDR 51-52% 56.50% 58-60% NPL Gross 3,5 - 3,8% 2.83% 2,7-3,0% NIM 4,8
Slide 22: Interest income, expense, net profit and balance trends
INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) 2.2 6.9 6.6 6.8 1.9 2.0 2.0 5.8 6.0 1.7 1.5 1.5 1.5 1.4 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 THIRD PARTY FUND(Rp Tril) LOAN (Rp Tril) TOTAL ASSET (Rp Tril) 49.2 83.2 81.8 82.6
Slide 23: Appendix
bankjatim y 7 APPENDIX
Slide 24: Quarterly Balance Sheet Information
bankjatim y 7 QUARTERLY ING CRMATION 3M21 1H21 9M21 FY21 3M22 1H22 9M22 FY22 3M23 1H23 (In billion IDR) Total Asset 89.648 95.479 101.003 100.723 105.654 108.925 98.477 103,031 96,620 103,005 Loan 41.731 42.597 43.036 42.750 42.307 43.540 45.976 46,197 47,992 49,211 Allowance for Impairment Losses (
Slide 25: Quarterly Income Statement Information
bankjatim y 7 QUARTERLY INGGMiisas Lene) 3M21 1H21 9M21 FY21 3M22 1H22 9M22 FY22 3M23 1H23 (In billion IDR) Interest Income 1.575 3.185 4.851 6.581 1.674 3.350 5.086 6,775 1,725 3,445 Interest Expense (493) (988) (1.479) (1.977) (467) (971) (1.425) (1,968) (578) (1,103) Net Interest Income 1.082 2.1
Slide 26: Stock Ownership
bankjatim y 7 STOCKS OWNERSiaie Foreign Investor (6.33%) - B Series TOP 10 B SERIES NATION i Share Share East Java Government D i 1H22.——-1H23 (51,13%) - A Series 1 Indonesia 57.42% 69.14% 2 United States 18.84% 15.30% 1H22 1H23 3 Luxembourg 4.92% 3.77% . B Series Investor Domestic Share Investor Sh
Slide 27: Stocks
STOCKS Jul 12, 2012 IDR 430,- fe) PEFINDO (CREDIT RATING AGENCY PEFINDO RATING Id AA- /Stable (Double A Minus, Stable Outlook) \ 7 % g IDX Asean Corporate Governance Scorecard (ACGS) ASEAN Asset Class PLC's 2018 2020 BA 1. KEHATL INDEKS ESG QUALITY 45 IDX KEHATI INDEKS ESG SECTOR LEADERS IDX KEHATI
Slide 28: Governance and sustainability initiatives
PURER GOVERNANCE Paperless business activities: E- Filling, SP2D Online, E-Samsat, Jatim Loan, Jatim Kilat, E-KMG. Promo lending rates for green environment apllied business. GREEN BANKING CORPORATE SOCIAL RESPONSIBILITY Corporate Social Responsibility into culture, health, education, and social j H
Slide 29: Awards 2023
AWARDS 2025 6" Infobank MRI Satisfaction, Indonesia Best BUMD Indonesia Public Relation Loyalty, Engagement and Awards 2023 Awards (IPRA) 2023 Corporate Reputation Award 2023 Obsession Awards 2023 SERVICE EXGELLENCE™ ) Hasil Studi Laporan Digital Technolog: 20th Infobank-MRI Banki Launching Indek: >
Slide 30: Board of Commissioners
BOARD OF COMMISie iE. beau SUPRAJARTO SUMARYONO M.MAS'UD SAID CANDRA FAJRI ANANDA ADHY KARYONO President Commissioner Independent Commissioner Independent Commissioner Independent Commisioner Commissioner Education Education Education Education + Doctor of Business + Bachelor of Commerce + Ph.D- Sch
Slide 31: Board of Directors
BOARD OF DIREGHICRS BUSRULIMAN President Director Experience: + BRI Malang Regional Head + BRIPolicy& Development Human Capital Division Head * BRI Surabaya Regional Head * Commercial & Corporate Director EKO SUSETYONO Director of Risk Management Experience: SEVP Management Risk of Pegadaian Deputi
Slide 32: Thank You
THANK YOU
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