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

Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Q1 2023 Earnings Presentation

30 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Apr 28, 2023

  1. Slide 1: Corporate Presentation 3M23

    bankjatim y 7 PT BANK PEMBANGUNAN DAE JAWA TIMUR Tbk CORPORATE PRESENTATION 3M23 April 28", 2023

  2. Slide 2: Indonesia East Java

    12.06% 87.94% 5.45% 5.72% 5.02% 5.02% 5.01% 87.68% 12.32% 4.59% 5.23% 5.76% 5.58% 4.76% 0% 50% 100% 11.55% Indonesia East Java 88.45% 87.82% 12.18% 8.88% 91.12% 91.29% 8.71%

  3. Slide 3: Highlight Financial

    HIGHLIGHT FINA Ig ) ae 3M23 YoY A BALANCE SHEET (Inbillionipr) = 9M22_— 323 YoY ASSET 105,654 96,620 -8.55% Bank Placements 16,839 13,084 -22.30% Maniatis 43,401 31,712. -26.93% Securities X LOAN 42,307 47,992 13.44% - Commercial & SME 17,486 = 18.845 7.77% - Consumer 24,821 29.147 17.43% SS THIRDPA

  4. Slide 4: 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

  5. Slide 5: Corporate Action

    bankjatim y 7 CORPORATE AGasign BANK BUSINESS GROUP (KUB) PROGRESS UPDATE © BankNTB Ue 1 Recommendation for AGREEMENT . MOU. FEASIBILITY STUDY Bank Jatim has signed Business Bank Jatim has signed Assessment from the Agreement Dec 8, 2022 - Mar 8,2023 » MoU Feb 27, 2023 yy Independent Consultant J :

  6. Slide 6: Balance Sheet Information

    bankjatim y 7 BALANCE SHEEs INFORMATION (In billion IDR) Total Asset 105,654 96,620 -8.55% 4,931 4,554 (6,412) -230.04% — -240.79% Bank Placement 16,839 13,084 -22.30% (2,096) 2,202 (4,922) 134.83% -323.47% Marketable Securities 43,401 31,712 26.93% 7,591 2,138 (3,423) -145,09% -260.08% LOAN 42,307

  7. Slide 7: Income Statement

    bankjatim y 7 INCOME STATEMEME (inbilllon IDR) 3M22 3M23 YoY 3M22 FY2 3M23 YoY QoQ Interest Income 1,674 1,725 3.02% (4,907) 1,689 (6,773) 38.03% -500.99% Interest Expense (467) (578) 23.82% 1,511 (544) 1,968 30.24% -461.99% Net Interest Income 1,208 1,147 -5.02% (3,396) 1,145 (4,805) 41.49% -519.50

  8. Slide 8: Financial Ratios

    FINANCIAL RAGS bankjatim y 7 RATIO FY21 3M22 1H22 9M22 FY: 3M23 ROA 2,05% 2,31% 2,05% 2,02% 1.95% 1.62% ROE 17,26% 22,07% 17,58% 15,85% 16,24% 11.46% NIM 5,11% 5,08% 4,92% 5,17% 5,11% 5.30% LDR 51,38% 46,31% 45,88% 55,40% 56,50% 60.74% CAR 23,52% 23,67% 23,31% 22,65% 24,74% 28.47% BOPO 75,95% 68,43%

  9. Slide 9: Third Party Funds

    bankjatim y 7 THIRD PARTY EUR FUNDING GROWTH (In Billion IDR) COMPOSITION TICKET SIZE (In Mill Current Account 3M22 3M23 3M22 3M23 3M22 3M23 Government 24,798 18,811 -24.14% 27.14% 23.81% 192,230.2 140,380.8 Private 2,735 3,248 18.75% 2.99% 4.11% 18.4 21.7 Total 27,532 22,059 -19.88% 30.14% 27.92% 1

  10. Slide 10: Loan Growth

    bankjatim y 7 LOAN GROW 60,000 13.44% 6.83% 8.06% 50,000 2.21% 47,992 8.16% 3.06% 1.38% 45,976 Sie 41,481 42,750 42,307 43,540 ee — 18,845 17,475 17,543 " 14,676 15,489 15,001 15,963 30,000 20,000 10,000 0 FY20 FY21 3M22 1H22 9M22 FY22 3M23 (in billion Rp) mms Consumer Commercial &SME COYoYGrowth =@

  11. Slide 11: Loan

    bankjatim y 7 LOAN LENDING GROWTH (In Billion IDR) COMPOSITION TICKET SIZE (In Million) SEGMENT 3M22 3M23 3M22 3M23 3M22 3M23 Consumer 27,260 29,147 17,43% 58.67% 60.73% 101.6 104.9 MENT 3M 3M23 YoY 3M22 3M23 3M22 3M23 Micro - 5,796 - - 12.08% - 257 Small - 5,110 - - 10.65% - 415.6 Medium - 443 - -

  12. Slide 12: Sharia Performance

    bankjatim y 7 SHARIA PERFORM ier Vaomonom 223s MOMNNT aaa anes Total Asset 3,217 2,561 -20.38% Interest Income 42 48 12.85% Placement Other Bank 701 279 -60.24% _ Interest Expense (14) (14) 2.74% Marketable Securities 770 228 = -70.40% +~—Net Interest Income 28 34 17.78% Loan 1,759 2,048 16.45% NonI

  13. Slide 13: Sharia Performance Ratios and Funding

    SHARIA PERFORM FNiiIets RATIOS (%) 3M22 3M23 FUNDING (In Billion IDR) 3M22 YoY ROA 0.41% 2.13% Current Account 88 109 23.68% Saving Account 622 647 4.01% FDR 78.22% 131.19% Time Deposit 1,543 810 -47.53% Bord 49.55% 55.18% TOTAL 2,253 1,566 -30.52% NPF Gross 3.42% P22 FINANCE (in Billion IDR) 3M22 3

  14. Slide 14: 43,384 43,982 45,498 40,659 39,370 0 1,086 83 882 61 905 79 1,042 86

    43,384 43,982 45,498 40,659 39,370 337 286 390 396 456 922 70 1,086 83 882 61 905 79 1,042 86 51 19 48 17 66 25 51 19 87 32 81 31 85 33 78 31 78 28 98 36 1,883 1,536 1,661 1,314 1,567 1,201 1,180 797 1,267 866

  15. Slide 15: Consumer Commercial & SME NPL

    Consumer Commercial & SME NPL NPL Net

  16. Slide 16: Total Monthly

    4,087 3,995 3,925 3,713 3,844 3,188 2,795 2,564 1,935 1,822 1,696 1,239 1,055.0 796.6 8 548.8 102.1 119.0 244.9 8.3 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 Total Monthly

  17. Slide 17: Digitalization

    bankjatim y 7 DIGITALIZATIONSViaEa JCONNECT MOBILE JCONNECT LAKU PANDAI JCONNECT E-LOAN vy 538K User ¥ 3.935 Agents User +152.829 . VY +3.610 Agent > Iconnect ai rota , Account (Yoy) , (Yoy) A PP oe v } roved from JConnect eIDR 0.9Tr (Yoy) sonnet v +IDR6.5bn 4 88 K credit i Transaction ‘PANDAI Trans

  18. Slide 18: Guidance & Outlook

    bankjatim y 7 GUIDANCE & OUMMKGIsherirs Description Total Asset 20,45% 2-3% 2,29% 1-2% Loan 3,06% 4-5% 8,06% 12-13% Third Party Fund 21,52% 2-3% -1.72% 8-9% Pre Tax Profit 28,57% 1-2% 4.75% 5-6% -CAR 23,52% 22-23% 24.74% 22-23% -LDR 51,38% 51-52% 56.50% 58-60% - NPL Gross 448% 3,5 - 3,8% 2.83% 2,7-3

  19. Slide 19: Interest Income, Interest Expense, Net Profit

    INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) 2.0 2.0 6.6 6.8 1.9 1.5 6.0 1.7 1.5 1.5 5.8 1.4 5.1 1.4 1.3 4.8 4.8 1.3 1.4 1.4 1.2 4.6 1.2 1.0 4.1 0.9 0.9 3.3 0.9 0.8 2.9 0.8 0.7 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2012 2013 2014 2015 2016 2017 2018 2019

  20. Slide 20: Thank You

    THANK YOU

  21. Slide 21: Appendix

    bankjatim y 7 APPENDIX

  22. Slide 22: Quarterly Information

    bankjatim y 7 QUARTERLY INE CRMATION FY19 FY20. 3M21_ 1H21 = 9M21 FY21 3M22 1H22 9M22~ FY22 3M23 (In billion IDR) Total Asset 62.689 76.715 83.619 89.648 95.479 101.003 100.723 105.654 108.925 98.477 103,031 96,620 Loan 33.893 38.352 41.481 41.731 42.597 43.036 42.750 42.307 43.540 45.976 46,197 47,

  23. Slide 23: Quarterly Information

    bankjatim y 7 QUARTERLY INGGNES INFORMATION = eyig = FY19.—Ss«FY20.-«3M21._—«s1H21.—«s9M21_—Ss#FY21.—=s3M22_—=s 1H22.—=«s« 9M22_—=S#FY22.—s 323 (In billion IDR) Interest Income 5.137 5.766 6.013. «1575. 3.185 4.851 6.581 «1.674. 3.350 5.086 = G75 —«*1,725 Interest Expense (1.414) (1.723) (1.891) —-(

  24. Slide 24: Loan Growth

    LOAN GROW TE A a ci WE FY18 FY19 FY20 FY21 3M22 1H22 9M22 FY22 3M23 (in Billion IDR) Consumer 23.512 25.383 26.806 27.261 27.306 27.577 28.500 28,654 29.147 Scie FY18 FY19 FY20 FY21 3M22 1H22 9M22 FY22 3M23 (In Billion IDR) Micro - - - - - - - - 5,796 Small - - - - - - - - 5,110 Medium - - - - - - -

  25. Slide 25: Stocks Ownership

    bankjatim y 7 STOCKS OWNERSiaie Foreign Investor (6,67%) - B Series TOP 10 B SERIES NATION i Share Share East Java Government D i 3M22.- 3M23 (51,13%) - A Series 1 Indonesia 53.61% 67.45% 2 United States 19.04% 15.96% 3M22 3M23 3 Luxembourg 4.93% 4.52% ‘, B Series Investor Domestic Share Investor Sh

  26. Slide 26: Stocks

    bankjatim y 7 STOCKS 1.000 Mar 31, 2023 Payment of iDR735,- Fiscal Dividend year Cash Per Share (IDR) Net iden Profit Payment (IDR bn) Ratio Jul 12, 2012 2017 44,10 1.159 56,96% 600 IDR 430,- 2018 45,61 1.260 54,26% 500 2019 48,20 1.377 52,58% 400 2020 48,85 1.489 49,26% 300 ; : ; ; : 2021 52,11 1.5

  27. Slide 27: Sustainability and Governance

    PURER GOVERNANCE GREEN BANKING Paperless business activities: E- Filling, SP2D Online, E-Samsat, Jatim Loan, Jatim Kilat, E-KMG. Promo lending rates for green environment apllied business. CORPORATE SOCIAL RESPONSIBILITY Corporate Social Responsibility into culture, health, education, and social j H

  28. Slide 28: Awards 2023

    bankjatim y 7 AWARDS 2023 6th Infobank MRI Satisfaction, Loyalty, Engagement and Indonesia Best BUMD Awards Indonesia Public Relation Awards Obsession Awards 2023 Corporate Reputation Award 2023 (IPRA) 2023 2023 PERINGKAT A Hasil Studi Laporan Keberlanjutan Tahun 2021 Perusahaan Publik di Indonesia

  29. Slide 29: Board of Commissioners

    BOARD OF COMMISie iE. b2eaw 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- Sc

  30. Slide 30: Board of Directors

    BOARD OF DIREGHICRS 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: *

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