Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Q1 2025 Earnings Presentation
28 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, 2025
Slide 1: Corporate Presentation 3M25
to he JA bankjatim y 7 CORPORATE PRESENTATION 3M25 st PT BANK PEMBANGUNAN DAERAH_ JAWA TIMUR Tbk BJTM ig , toe
Slide 2: 2.94% Yoy 6.37% Yoy
2.94% Yoy 3.29 6.37% Yoy % 770.12 792.73 572.72 609.22 2.25%
Slide 3: Riding the Waves: Bank Jatim Challenges in 2025 Meet the Opportunity
RIDING THE WAVES bankjatim BANK JATIM CHALLENGES IN 2025 MEET THE OPPORTUNITY Liquidity issue Regional Government Strategic Partners Tightening of banking liquidity due to many BJTM Triangle captive’s market to win competition: factors Government Ecosystem, MSME & Private Sector Government Budget Ef
Slide 4: JConnect #semuabisadimanaaja
JCONNECT #semuabisadimanaaja jatim 2, JConnect Poesy banjtin 832.190 567.633 1 Headquarter WES (+22,85% Yoy) User (430,01% Yoy) Tt i 2,06 Millie 48 _ Branch Office Transaction nearest Transaction (21,7190) 175 Sub Branch Office Transaction 14,04 Trillion Transaction 399,42 Billion 217 Functional Off
Slide 5: Sustainalytics ESG rating
▪ ▪ ▪ ▪ ▪ Source: Sustainalytics (Update May 15,2024)
Slide 6: Synergy & Collaborate to Serve Country
SYNERGY & COLLABORATE TO SERVE COUNTRY bankjatin_L # KUB Member Weenie | OKiz:. Business Synergy « CAPITAL ASPECT Actas local regional government's strategic partner to elevate BPD’s KUB Holding i= Bank BS crows quality dan capacity; © Lampung] | QUAI EES. 2. BUSINESS & FINANCIAL ASPECT Se ~~ Bankin
Slide 7: KUB Financial Forecast
KUB FINANCIAL FORECAST bankjatim # bankjatin, # ji BankNT! ZA% Lampung cae BANKSULTRA Syariah| Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated B/S (Forecast) 2025 2026 2027 2028 2029 2030 Asset 169.583 186.962 205.934 225.024 244.675 265.807 Loan 120.387 133.629 148.324
Slide 8: Moving Forward
MOVING FORWARD jatim — @® POLICY & FACILITATION [ RURAL BANKS CONSOLIDATION BANK INDONESIA ura, SHARIA jatim ie) DEVELOPMENT BANKS spanks RURAL TOT. ——_ a BANKS APEX BPR 1_|Central Java PT BPD JAWA TENGAH, 63 2 2_|West Java PT BPD JAWA BARAT DAN BANTEN Tbk 28 3 D D D 3_ |East Java IPT BPD JAWA TIMUR
Slide 9: KUB & Rural Bank Scheme
KUB & RURAL BANK SCHEME bankjatim # bankjatim 4 Pp t= Bonk BANKSULTRA BankNTE bankbanter} | 2% cmpung " wa _ PS ital! sae BPR bprs W mroipan aa BANK Pelra .ARTHA = 7 || 24. Artha Kanjurunan situbondo| |_) BANKKOTAKEDIRI z amano pS BER )) BANK<2) PERUMDA BPR oe) a BANK LUMAJANG| >? ¢ BANK SYARIAH NGA
Slide 10: Financial Highlight 3M25 (Consolidated)
FINANCIAL HIGHLIGHT 3M25 cconsouvaren) ban kjatim # BALANCE SHEET (In billion IDR) 3M24 3M25 Yoy INCOME STATEMENT (In billion IDR) 3M24 3M25 Yoy Total Asset 100,632 118,168 17.43% Interest Income 1,875 2,436 29.97% Bank Placement 11,363 4,868 -57.16% Interest Expense (623) (748) 20.08% Marketable Se
Slide 11: Financial Highlight 3M25 (Bank Only - audited)
FINANCIAL HIGHLIGHT 3M25 (Bank Only - audited) bankjatim # BALANCE SHEET INCOME STATEMENT (In billion IDR) 3M24 3M25 Yoy (In billion IDR) 3M24 3M25 RATIO 3M24 3M ASSET 100,632 102,213 1.57% Interest Income 1,875 2,095 11.76% 1.59% 1.50% Bank Placements 11,363 4,393 -61.34% Interest Expense (623) (61
Slide 12: Balance Sheet
BALANCESHEET bankjatim # (In billion IDR) 3M24 3M25 Yoy Q3 23 Q124 Q224 Q3 24 Total Asset 100,632 102,213 1.57% 103,855 100,632 101,241 106,630 Bank Placement 11,363 4,393 -61.34% 13,697 11,363 11,218 10,732 Marketable Securities 28,502 27,156 -4.72% 30,875 28,502 28,155 29,814 LOAN 56,983 66,455 16
Slide 13: Income Statement
INCOME STATEMENT bankjatim # (In jon IDR) 3M24 3M25 Yoy Q124 Q224 Q3 24 Q424 Q125 Interest Income 1,875 2,095 11.76% 1,875 1,829 2,081 2,241 2,095 Interest Expense (623) (615) -1.30% (623) (589) (624) (712) (615) Net Interest Income 1,252 1,480 18.27% 1,252 1,239 1,457 1,529 1,480 Non Int OptInc 255
Slide 14: Financial Ratios
FINANCIAL RATIOS bankjatim # RATIO FY22 3M23 1H23 9M23 FY23 3M24 1H24 9M24 FY24 3 ROA 1.95% 1.62% 1.91% 1.87% 1.87% 1.59% 1.53% 1.63% 1.60% 1.50% ROE 16,24% 11.46% 13.80% 13.95% 13.96% 11.24% 10.85% 11.57% 11.89% 10.37% NIM 5,11% 5.30% 5.38% 5.38% 5.57% 5.43% 5.50% 5.72% 5.86% 6.32% LDR 56,50% 60.74
Slide 15: Quarterly Deposit Performance and Composition
QUARTERLY DEPOSIT PERFORMANCE QUARTERLY DEPOSIT COMPOSITION 100,000 120.00% 80,000 100.00% 31,789 33,234 35,111 37,826 28,455 31,869 33,050 37,711 27,012 28,822 80.00% 38.88% 42.06% 42.48% 44.93% 36.39% 39.41% 40.78% 43.10% 34.86% 37.47% 60,000 60.00% 40,000 26,344 23,721 24,905 24,979 28,816 26,818
Slide 16: Loan Performance
LOAN PERFORMANCE QUARTERLY LOAN PERFORMANCE LOAN GROWTH (In Billion IDR) TICKET SIZE COMPOSITION 16.98% 18.5494 18.7694] [18.0475/ = Fog) 64,057 SEGMENT 3M24 3M25 Yoy 3M24 3M25 3M24 3M25 7611 156.997 [58,088 51,773; bo: MULTI PURPOSE 25,706 29,002 12.82% 89.6 100.2 45.11% 43.64% i | j MORTGAGE 2,783
Slide 17: NPL, Impairment & Loan Restructure
NPL, IMPAIRMENT & LOAN RESTRUCTURE bankjatim # QUARTERLY LOAN RESTRUCTURE 5.00% 2.00% tg0% 5000 4.00% 1.60% 4,999 -3:225] 3.887| 3,806 1.40% [3:288/ 3,159 3,115] 3,052 770 3.00% 1.20% 3,000 2,517 100% 5 9 Lee *71 2,270 2.00% 0.80% , 0.60% 1,000 1.00% 0.40% 12 [102 [07 | gap | (a | bd 1.04% 1.02% 1.0
Slide 18: NPL
NPL bankjatim # NPL PER SEGMENT (3M25) NPL REDUCTION STRATEGY ME RTEACE eae Ene 248.88 0.37% 3_ OTHERS 100.96 0.15% TOTAL 711.63 1.07% [ere TET ara 113.78 0.17% 3_ OTHERS 132.60 0.20% TOTAL 449.89 0.68% 1_JATIM RETAIL 468.29 0.70% 2_ REVOLVING WORKING CAPITAL 257.32 0.39% 3 OTHERS 675.01__1.02% TOTA
Slide 19: BJTM Bonds
BJTM BONDS bankjatim # FOR SOME REASON: BJTM bond issuance history ) eee: a) 3.Economic Issue Q PEFINDO RATING Id AA- /Stable PEFINDO : CREDIT RATING AGENCY (Double A Minus, Stable Outlook)
Slide 20: KUB Member Financial Performance
KUB MEMBER FINANCIAL PERFORMANCE bankjatim # WBankNTB Syariah (In billion IDR) 3M24 3M25 Yoy (In billion IDR) 3M24 3M25 Yoy Total Asset 15,206 15,900 4.56% Interest Income 307 342 11.19% BI Placement 1,784 475 -73.36% Interest Expense (127) (133) 4.69% Marketable Securities 2,396 2,884 20.36% Net In
Slide 21: Appendix
God) bankjatim # bersama membangun Indonesia APPENDIX
Slide 22: 10.0 3.0 2.0 8.0 2.5 1.5 2.0 6.0 1.5 1.0 4.0 1.0 2.0 0.5
10.0 3.0 2.0 8.0 2.5 1.5 2.0 6.0 1.5 1.0 4.0 1.0 2.0 0.5 0.5 0.0 0.0 0.0 100.0 70.0 120.0 60.0 100.0 80.0 50.0 80.0 60.0 40.0 60.0 40.0 30.0 40.0 20.0 20.0 20.0 10.0 0.0 0.0 0.0
Slide 23: Quarterly Financial Performance
QUARTERLY FINANCIAL PERFORMANCE bankjatim # INFORMATION (In billion IDR) FY22 3M23 1H23 9M23 FY23 3M24 1H24 9M24 FY24 3M25 Total Asset 103,031 96,620 103,005 107,038 103,855 100,632 101,547 106,630 102,074 102,213 Loan 46,197 47,992 49,211 51,773 54,761 56,983 58,088 62,198 64,057 66,455 Allowance f
Slide 24: Stocks
STOCKS bankjatim y 2 1,000 Domestic Investor Foreign Investor (3,36%) (17,16%) -B Series -B Series Mar 27, 2025 IDR 500,- 900 800 700 East Java City & Mu East Java Government Government (28,35%) — A Series (51,13%) - A Series Jul 12, 2012 Ce IDR 430,- = Oo @ 2% * KEHATL 400 PEFINDO IDX TEMPO-IDN Gx
Slide 25: 2025 Awards
2025 AWARDS bankjatim 14 th Infobank Digital Brand Awards Penghargaan KPK Pengendalian Marketing Contact Center Service Indonesia Human Capital Brilliance Isentia 2025 Gratifikasi dengan Baik UPG PT Bank Excellence Awards Awards 2024 Jatim Tbk PWIJatim Awards 2025 Penguatan The Asian Post The Best R
Slide 26: Board of Commissioners
BOARD OF COMMISSIONERS jatim ADI SULISTYOWATI* Independen President Commissioner Experience: ADHY KARYONO = Deputy President Director of PT Commissioner Bank Negara Indonesia (Persero) A M.MAS’UD SAID Independent Commi a Tbk ogre of the Special * Special Staff to the Minister of Experience: De aE oo
Slide 27: Board of Directors
BOARD OF DIRECTORS jatim WINARDI LEGOWO* President Director (CEO) R. ARIEF WICAKSONO* Vice President Director Experience: * Treasury Division Head * Information Technology Division Head * Sharia Business Division Head Experience: = — Senior Vice President PT Bank Mandiri (Persero )Tbk UMI RODIYAH Co
Slide 28: Thank You
THANK YOU benkjatinads God bankjatim, # bersama membangun Indonesia 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
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) — Q1 2025 Earnings Presentation on 6ix