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

Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Bank Jatim — Investor Day (April 2015)

35 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's investor day presentation, Apr 22, 2015

  1. Slide 1: BJTM Institutional Investor Day

    BJTM Institutional Investor Day Bursa Efek Indonesia, Jakarta Rabu, 22 April 1 2015

  2. Slide 2: Pertumbuhan Ekonomi Regional

    Pertumbuhan Ekonomi Regional 7,27% JAWA TIMUR 6,15% 6,40% 5,94% YoY 5,91% 5,90% 6,40% NASIONAL 5,62% 5,21% 5,12% 5,00% 5,00% YoY FY12 FY13 3M14 1H14 9M14 FY14 Pertumbuhan 2013 2014 Sebaran Ekonomi Regional Pulau Jawa Regional Jabar Nasional 5,6 5,0 23% DKI Jakarta 6,1 5,9 Banten DKI 7% Jawa Barat 6,

  3. Slide 3: Bank Jatim Diantara Bank Nasional

    Bank Jatim Diantara Bank Nasional In billion Rp. Laba Dana Pihak Modal No Bank Aset Kredit Sebelum Ketiga Disetor Pajak 1 BRI 778.018 490.410 600.404 6.167 30.770 2 Bank MANDIRI 755.867 475.267 576.326 11.667 23.375 3 BCA 541.911 346.962 447.942 1.541 19.887 4 BNI 393.467 262.578 299.021 9.055 13.09

  4. Slide 4: Jaringan Bank Jatim

    Jaringan Bank Jatim Jaringan Jumlah Kantor Pusat 1 Kantor Cabang 43 Kantor Cabang 153 Pembantu Kantor Kas 165 Kantor Syariah 97 Payment Point 167 Mobile cash 62 Mobile ATM 6 CDM 2 ATM 595 Total Jaringan 1.291 4

  5. Slide 5: Neraca Bank Jatim

    Neraca Bank Jatim Informasi 12M13 12M14 YoY In million Rp Total Aset 33.046.537 37.998.046 14,98% Penempatan Bank Indonesia & Bank Lain 5.432.658 6.229.153 14,66% Kredit 22.084.336 26.194.879 18,61% Dana Pihak Ketiga 25.987.820 30.270.324 16,48% - Giro 9.969.015 11.648.999 16,85% - Tabungan 9.970.33

  6. Slide 6: Laba Rugi Bank Jatim

    Laba Rugi Bank Jatim Informasi 12M13 12M14 YoY In million Rp Pendapatan Bunga 3.385.537 4.083.943 20,63% Beban Bunga (913.320) (1.203.004) 31,72% Pendapatan Bunga Bersih 2.472.217 2.880.939 16,53% Pendapatan Operasional Selain Bunga 361.218 372.877 3,23% Beban Operasional Selain Bunga (1.723.348) (1

  7. Slide 7: Performa Keuangan

    Performa Keuangan PENDAPATAN BUNGA (Rp Tril) BEBAN BUNGA (Rp Tril) LABA BERSIH(Rp Tril) CAGR = CAGR = CAGR = 16,68% 12,74% 9,45% 0,9 0,94 0,9 0,8 4,1 1,2 0,7 3,3 2,9 0,9 2,7 2,8 0,8 0,8 0,5 0,5 0,7 0,7 0,7 0,7 2 2,1 0,6 0,4 0,4 1,7 1,7 0,5 1,2 0,4 0,4 0,2 1 1 1 0,3 0,2 0,2 0,2 DANA PIHAK KETIGA (Rp

  8. Slide 8: Rasio Finansial

    Rasio Finansial 5,58% 4,97% 4,87% 4,14% 4,07% 3,94% 3,75% 4,07% 3,82% 3,65% 3,52% 3,54% 3,55% 3,34% 3,12% R 2,61% O A 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 56,55% 41,66% 40,57% 36,90% 38,48% 33,65% 30,54% 30,85% 31,48% R 28,59% 24,29% 22,06% 20,13% 18,96% 1

  9. Slide 9: Rasio Finansial

    Rasio Finansial 84,98% 86,54% 80,70% 80,11% 83,55% 80,36% 69,67% 69,96% 73,06% 54,04% L 39,97% 43,23% 45,45% 45,13% 38,75% 42,11% D R 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 38,45% 33,39% 25,36% 26,56% 23,72% 22,54% 22,17% 21,32% 20,36% 20,29% C 18,17% 19,19%

  10. Slide 10: Pergantian Susunan Komisaris

    Pergantian Susunan Komisaris HERU SANTOSO *) President Commissioner MULJANTO (Independent) President Commissioner Experienced for 31 years in Bank Indonesia AKHMAD SUKARDI *) HADI SUKRIANTO *) Commissioner Commissioner CHAERUL DJAELANI Commissioner Experienced as East Java Experienced for 32 years P

  11. Slide 11: Pergantian Susunan Direksi

    Pergantian Susunan Direksi R SOEROSO *) President Director HADI SUKRIANTO President Director Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods SU’UDI *) DJOKO LESMONO Director of Medium Business & Corporate Director of Medium Business & Corporate Experienced fo

  12. Slide 12: Dana Pihak Ketiga

    Dana Pihak Ketiga Giro Tabungan Deposito In Billion Rp. 16.563 15.451 12.643 12.101 12.083 11.628 11.690 11.649 10.733 9.662 9.969 11.331 10.991 10.834 9.971 8.923 8.080 8.281 8.174 8.269 8.403 8.287 8.227 8.082 7.622 7.630 6.781 6.757 7.064 6.475 6.472 6.048 4.374 1H12 9M12 FY12 3M13 1H13 9M13 FY13

  13. Slide 13: Detail Dana Pihak Ketiga

    Detail Dana Pihak Ketiga In Billion Rp. Giro Pemerintah Umum 2.742 3.491 Giro Pemerintah 2.538 2.624 2.675 YoY 66,91% 2.560 4.429 5.421 9.969 5.643 11.959 9.563 13.821 Giro Umum 9.460 7.220 4.241 9.130 4.326 YoY -21,51% FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 Tabungan SIKLUS Hajj Saving SIMPEDA

  14. Slide 14: Produk dan Layanan

    * > ~ Bunga kompetitif Za ~ Syarat dan ketentuan berlaku = ¥ Ze Grand Pri ~ Warna barang pada gambar hanya ilustrasi ) y A ( it Toyota Fi Semarak Isi Pulsa TELKOMSEL di bankjatim SMS Banking dan ATM Hadiah Bulanan ROSS! os GRANDPRIZE Tagihan Multi ks ‘) Finance | | \ Layanan Dalam Genggaman Anda ee

  15. Slide 15: Proporsi Kredit

    Proporsi Kredit Konsumsi Des’13 Des’14 Multiguna 56,41% 56,69% KPR 4,64% 4,96% Others 2,46% 2,15% Total 63,51% 63,80% SME Komersial Des’13 Des’14 Standby Loan 4,54% 3,87% Keppres 2,88% 2,62% Overdraft 8,06% 8,81% COMMERCIAL CONSUMER Sindikasi 3,67% 4,47% Total 19,14% 19,77% SME Des’13 Des’14 KUR 5,9

  16. Slide 16: Jenis Kredit: Konsumsi, Komersial, SME

    Jenis Kredit Konsumsi Komersial SME In Billion Rp. 16.711 16.224 15.599 14.727 14.026 13.568 YoY 13.120 12.395 11.886 11.185 11.252 10.654 Konsumsi 19,14% Komersial 5.624 22,53% 5.019 5.180 4.358 4.636 4.228 3.580 3.798 3.869 3.239 3.072 SME 2.863 3.831 4.203 4.239 4.304 12,38% 3.320 3.490 3.432 3.3

  17. Slide 17: Jenis Kredit Konsumsi

    Jenis Kredit Konsumsi In Billion Rp. Konsumsi Multiguna KPR Others 14.849 14.408 13.864 13.058 12.457 12.086 11.734 11.142 YoY 10.739 10.232 10.247 9.813 Multiguna 19,20% KPR 26,71% Others 1.299 3,53% 1.025 1.097 1.177 1.233 558 748 850 941 440 653 563 410 431 513 446 494 505 541 544 572 559 583 536

  18. Slide 18: Jenis Kredit Komersial

    Jenis Kredit Komersial Komersial In Billion Rp. Standby Loan Keppres Overdraft Sindikasi 2.308 2.259 2.217 YoY 1.780 Standby 1.530 Loan 1.410 1,13% 1.285 1.285 1.286 1.185 1.157 1.171 1.075 Keppres 1.010 1.113 1.002 1.013 1.010 1.0201.087 903 922 8,23% 900 860 942 947 824 1.004 759 759 886 805745 79

  19. Slide 19: Jenis Kredit SME

    Jenis Kredit SME In Billion Rp. SME KUR Pundi Kencana Mikro Others 2.214 2.199 2.186 YoY 1.908 1.903 2.005 1.832 1.763 KUR 1.631 1.489 1.5081.583 1.677 -19,38% 1.434 1.453 1.430 1.387 1.221 1.218 Pundi 1.312 1.128 1.047 1.243 1.058 Kencana 55,22% 796 747 693 603 513 Mikro 426 351 165 277 264 191 209

  20. Slide 20: Kredit Multiguna

    Kredit Multiguna Multiguna Ticket Size (million) Rp. 59,3 61,2 54,2 56,7 50,6 52,2 45,8 48,8 43,6 38,9 32,5 29,2 2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 Multiguna Loan Balance ( Billion Rp. ) 14.408 14.849 13.058 13.864 11.734 11.869 12.086 12.457 10.738 11.141 8.832 9.649 7.177

  21. Slide 21: Linkage Program to Rural Bank & JETS

    Linkage Program to Rural Bank & JETS APEX BPR JATIM Berfungsi sebagai : Kesulitan likuiditas Pool of Fund Non sistemik Lender of the Last Resort Selain itu Bank Jatim memiliki fasilitas Jatim • Outstanding : Rp. 370,76 Miliar Electronic Transfer System (JETS), yaitu Sistem Linkage Program • Terdir

  22. Slide 22: Komposisi Dana Pihak Ketiga

    Komposisi Dana Pihak Ketiga 23.7% 23.5% 21.2% 23.9% 21,0% 19,7% 28.5% 23,7% 23,7% 23,9% 23,2% 25,2% 28,7% 24.6% 36.2% 28.8% 35.8% 25.4% 24,1% 28,4% 35,9% 36,8% 25,0% 35,4% 38,4% 36,3% 51.7% 42.6% 46.0% 47.7% 40.3% 43.5% 48,0% 46,3% 43,1% 43,5% 40,7% 38,4% 38,5% 2002 2003 2004 2005 2006 2007 2008 200

  23. Slide 23: Komposisi Dana Murah Perbankan

    Komposisi Dana Murah Perbankan BANK CASA RASIO BANK JATIM 74,80% BCA 75,11% BNI 65,66% Rata-rata rasio BJB 64,07% CASA Bank MANDIRI 61,16% Jatim sejak tahun 2002 s/d BRI 53,55% 2014 berada diatas 70% DANAMON 49,26% BTN 46,58% BTPN 14,57% 23

  24. Slide 24: Harga Pokok Dana (Cost of Fund)

    Harga Pokok Dana (Cost of Fund) COF 4,92% 5,00% (+) Local Government (-) Local Government 3,31% 3,81% 3,71% 2,75% 3,10% 3,28% 3,26% 2,39% 2,58% 2,67% 4,48% 4,53% 3,00% 3,02% 3,18% 3,21% 3,16% 3,54% 3,48% 2,53% 2,61% 2,68% 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 24

  25. Slide 25: Bank Jatim Diantara BPD se-Indonesia

    Bank Jatim Diantara BPD se-Indonesia Laba Dana Pihak Modal No Bank Aset Kredit Setelah Ketiga Disetor Pajak 1 Bank JABAR BANTEN 70.157 49.254 52.992 2.424 1.115 2 2 1 2 2 Bank JATIM 38.041 25.655 30.270 3.729 958 3 Bank DKI 37.168 21.952 27.031 2.931 658 4 Bank JATENG 35.743 25.392 29.406 1.573 774

  26. Slide 26: Pertumbuhan Bank Jatim diantara Perbankan Nasional dan Jawa Timur

    Pertumbuhan Bank Jatim diantara Pertumbuhan Perbankan Nasional dan Perbankan Jawa Timur Informasi Nasional Jawa Timur Bank Jatim Total Aset 13,34% 12,95% 14,98% 12,29% 14,93% 16,48% Dana Pihak Ketiga - Giro 5,05% 15,20% 16,85% 5,92% 7,23% 10,25% - Tabungan 20,93% 22,19% 26,14% - Deposito Kredit 11,6

  27. Slide 27: Pertumbuhan Bank go public Level Menengah 2013-2014

    Pertumbuhan Bank go public Level Menengah Periode 2013-2014 No Bank Aset Kredit DPK Laba Bersih 1 BANK JATIM 14,98% 18,61% 16,48% 13,92% 2 DANAMON 7,38% 3,07% 5,61% 7,38% 3 BTPN 3,16% 10,48% -0,03% -15,03% 4 BJB 5,15% 9,46% 13,32% -19,57% 5 BTN 10,22% 15,03% 10,67% -28,55% Data: website perbankan –

  28. Slide 28: Kinerja Rasio Perbankan go public tahun 2014

    Kinerja Rasio Perbankan go public tahun 2014 No Bank CAR ROA ROE NIM BOPO LDR 2 2 2 2 1 1 1 BANK JATIM 22,17% 3,52% 18,98% 6,9% 69,63% 86,54% 2 BANK BTPN 23,30% 3,56% 18,40% 10,97% 80,32% 97,67% 2 BANK DANAMON 18,17% 3,14% 17,33% 7,31% 76,61% 92,60% 4 BANK JABAR BANTEN 16,08% 1,94% 19,11% 6,79% 85,9

  29. Slide 29: Dividen Yield

    Dividen Yield 9.5% 8.5% 4.4 3.5 2.3 % % % BJTM BJBR BBTN INDUSTRY BBKP Bank Price Market EPS PBV PER Dividend (30/01/2015) Cap Growth Yield Rp bn BBCA 13.375 329.761 12,2 3,6 17,8 1,1 BBRI 11.675 288.012 12,8 2,5 10,6 2,6 BMRI 11.000 256.667 12,4 2,2 11,1 2,5 BBNI 6.250 116.554 13,5 1,8 9,6 2,9 BDMN

  30. Slide 30: Awards & Achievements

    Awards & Achievements Indonesia IAIR Award Bank Loyalty 2014 APBI Award 2014 2014 INFOBANK AWARD PLATINUM MRI 2014 AWARD Best Service 2014 Excellence 2014 30

  31. Slide 31: Spin-off Syariah dari UUS menjadi BUS

    Spin-off Syariah dari UUS menjadi BUS Synergy Network Technology •Prepare 2013 Alliance, 2014 Strenghten & SDI 2015 Strenghten & SDI 2016 Spin Off network •2017 FINANCIAL FINANCIAL FINANCIAL FINANCIAL •3 KC •5 KC •3 KC •7 KC •5 KCP •8 KCP •8 KCP •16 KCP NETWORK & •47 KLS NETWORK •55 KLS NETWORK •35

  32. Slide 32: BJTM Investor

    BJTM INVESTOR Investor Asing Desember 2013 Investor Asing Desember 2014 43,60 % dari saham publik 53,31 % dari saham publik Public shares 20 % from paid capital Investor Domestik Desember 2013 Investor Domestik Desember 2014 56,40 % dari saham publik 46,69 % dari saham publik No Country Share No Cou

  33. Slide 33: Pembagian Dividen Bank Jatim

    Pembagian Dividen Bank Jatim Perolehan Nominal Dividen meningkat. 2013 → Rp 605.869.184.297,09 2014 → Rp 624.490.588.848,58 Perolehan dividen per lembar saham meningkat. 2013 → Rp 40,61 per lembar saham 2014 → Rp 41,86 per lembar saham 33

  34. Slide 34: Pencapaian 2014 & Rencana Bisnis 2015

    Pencapaian 2014 & Rencana Bisnis 2015 Description Des 2014 Description Target 2015 Total Aset 14,98% Total Aset 16,38% Kredit 18,61% Kredit 20,00% Dana Pihak Ketiga 16,48% Dana Pihak Ketiga 17,13% Pendapatan Bunga 20,63% Pendapatan Bunga 14,12% Laba Bersih 13,92% Laba Bersih 18,80% Rasio Finansial R

  35. Slide 35: Contact

    CONTACT Investor Relation Unit (IRU) Ferdian Timur S. – Ext. 475 Corporate Secretary Investor Relation Manager (031) 5310090 -Abdulah Basid – Ext. 472 www.bankjatim.co.id Analis Email: iru@bankjatim.co.id -Lukas Yudhi W.S – Ext . 468 Junior Analis -Frizki Putera N – Ext. 469 Junior Analis 35

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