Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — FY2024 Earnings Presentation
28 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Mar 20, 2025
Slide 1: Corporate Presentation FY24
God) bankjatin # bersama membangun Indonesia PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk (BJTM) CORPORATE PRESENTATION FY24
Slide 2: 3.82% Yoy 4.84% Yoy 8.13% Yoy
3.82% Yoy 879.582 913,504 4.84% Yoy 736,085 2.99% 771,716 551,461 596,322 2.61 8.13% Yoy %
Slide 3: DAU funds and TKDD funds increase from year to year
DAU funds and TKDD funds increase from year to year
Slide 4: Financial Highlight FY (consolidated)
FINANCIAL HIGHLIGHT FY 24 (consolidated) bankjatim # BALANCE SHEET (In billion IDR) FY23 FY24 Yoy INCOME STATEMENT (In billion IDR) FY23 FY24 Yoy Total Asset 103,855 118,142 13.76% Interest Income 7,267 8,285 14.00% Bank Placement 13,697 7,723 -43.62% Interest Expense (2,316) (2,656) 14.68% Marketab
Slide 5: JConnect
JCONNECT #semuabisadimanaaja jatim ou ~yJConnect Posse by banat 8,79 million 1 illion 2 User 1 Headquarter bac! (+26,89% Yoy) (+72,31% Yoy) i 46,90 million i 7,85 Million 48 Branch Office __ Transaction (433,36% Yoy) Transaction (472,20%Yoy) 175__ Sub Branch Office Transaction 60,83 Trillion Transac
Slide 6: Source: Sustainalytics (Update May 15, 2024)
▪ ▪ ▪ ▪ ▪ Source: Sustainalytics (Update May 15,2024)
Slide 7: Synergy & Collaborate to Serve Country
SYNERGY & COLLABORATE TO SERVE COUNTRY bankjatin_L # bankjatim t= Bank re) BANKSULTRA WoankNTE || 2° iSpung og) bankbanten) C= | EE CAPITAL ASPECT Actas local regional government's strategic partner to elevate BPD’s quality dan capacity SUPPORT ACCESS ASPECT To present value creation beyond business
Slide 8: Bank Jatim KUB Stages
BANK JATIM KUB STAGES bankjatim y 2 BANKSULTRA Poms oq Maju Bersama bankNTT = Bank Sultrain the due diligence process with = Bank NTT in the due diligence process with consultants and stock price valuation consultants and stock price valuation assessment assessment Bank Business Group implementation
Slide 9: KUB Member Financial Performance
KUB MEMBER FINANCIAL PERFORMANCE bankjatin, # WBankNTB Syariah (In billion IDR) FY23 FY24 Yo' (In billion IDR) FY23 FY24 Yoy Total Asset 14,270 16,120 12.96% Interest Income 1,140 1,275 11.89% BI Placement 1,050 1,077____2.52% Interest Expense (448) (539) 20.28% Marketable Securities 2,192 2,580 17.
Slide 10: Policy & Facilitation; Rural Banks Consolidation
@ POLICY & FACILITATION [ RURAL BANKS CONSOLIDATION BANK INDONESI4 ie) PROVINCE DEVELOPMENT BANKS Curd RURAL Tov APEX BPR 1__|Central Java PT BPD JAWA TENGAH 63 2 2_|West Java PT BPD JAWA BARAT DAN BANTEN Tbk 28 3 3__|EastJava IPT BPD JAWA TIMUR Tbk 22 6 APEX WORK UNIT 4_ |Special Region of Yogyakar
Slide 11: KUB & Rural Bank Scheme
KUB & RURAL BANK SCHEME bankjatim # bankjatim y 7 bankbanten ity Fonk pung BANKSULTRA BankNTB Syariah BANK ye BPR PERSERODA Kota Blitar BPR , bprs NY rexumpanme BANK Det ARTHA =e “4 Artha Kanjuruhan situbondo] |_) BANKKOTAKEDIRI cae ores <a a Lia) BANK.«2 & | & A |) BIEN Oa 3E BANK SYARIAH NGAWI BMO
Slide 12: Financial Highlight FY (Bank only)
FINANCIAL HIGHLIGHT FY 24 (Bank only) bankjatim BALANCE SHEET INCOME STATEMENT (In billion IDR) FY23 FY24 Yoy (In billion IDR) FY23. FY24 RATIO FY23 ASSET 103,855 102,074 -1.72% Interest Income 7,267 8,025 10.43% 1.87% 1.60% Bank Placements 13,697 6,746 -50.75% Interest Expense (2,316) (2,548) 10.03
Slide 13: Balance Sheet
BALANCESHEET bankjatim # (In billion IDR) FY23 FY24 Yoy Q3 23 Q124 Q224 Q3 24 Total Asset 103,855 102,074 -1.72% 103,855 100,842 101,241 106,630 Bank Placement 13,697 6,746 -50.75% 13,697 11,363 11,218 10,732 Marketable Securities 30,875 27,555 -10.75% 30,875 28,502 28,155 29,814 LOAN 54,761 64,057
Slide 14: Income Statement
INCOME STATEMENT bankjatim # (In billion IDR) FY23 FY24 Yoy Q423 Q124 Q224 Q3 24 Q4 Interest Income 7,267 8,025 10.43% 1,988 1,842 1,861 2,081 2,241 Interest Expense (2,316) (2,548) 10.03% (611) (621) (591) (624) (712) Net Interest Income 4,951 5,477 10.62% 1,377 1,221 1,270 1,457 1,529 Non Int Opt
Slide 15: Financial Ratios
FINANCIAL RATIOS bankjatim # RATIO FY22 3M23 1H23 9M23 FY23 3M24 1H24 9M24 FY24 ROA 1.95% 1.62% 1.91% 1.87% 1.87% 1.59% 1.53% 1.63% 1.60% ROE 16,24% 11.46% 13.80% +=—-13.95% +~—-13.96% +~=—-11.24% 10.85% += 11.57% 11.89% NIM 5,11% 5.30% 5.38% 5.38% 5.57% 5.43% 5.50% 5.72% 5.86% LDR 56,50% 60.74% 59.
Slide 16: Quarterly Deposit Performance and Composition
QUARTERLY DEPOSIT PERFORMANCE QUARTERLY DEPOSIT COMPOSITION 100,000 120.00% 80,000 100.00% 31,789 35,111 37,826 28,455 31,869 33,050 37,711 27,012 80.00% 38.88% 42.06% 42.48% 44.93% 36.39% 39.41% 40.78% 43.10% 34.86% 60,000 33,234 60.00% 40,000 26,344 24,905 28,816 26,818 29,248 31,462 32.22% 30.02%
Slide 17: Loan Performance
LOAN PERFORMANCE bankjatim # QUARTERLY LOAN PERFORMANCE LOAN GROWTH (In Billion IDR) TICKET SIZE COMPOSITION [20.13%] [16.98% [18.76%] [18.04% 64,057| 70,000 = 60,000 | MULTI PURPOSE 25,238 28,193 11.71% 97.9 100.4 46.09% 44.01% SEGMENT FY23 FY24 Yoy FY23 FY24 FY23. FY24 13.02% i 50,000 | MORTGAGE 2
Slide 18: FY22 3M23 1H23
FY22 3M23 1H23 9M23 FY23 3M24 1H24 9M24 FY24
Slide 19: NPL
NPL bankjatim # 1 MORTGAGE 296.21 0.46% = Write-Off, Until Dec 2024 Bank Jatim has written off 632,64 billion, 2 MULTIPURPOSE 242.06 0.38% witha recovery rate of 176,76 billion or 27,94%; 3__ OTHERS 75.97 0.12% TOTAL 614.24 0.96% = General Restructure, Until Des 2024 Bank Jatim has restructured IDR
Slide 20: Guidance
GUIDANCE bankjatim # Description Target 2024 Actual 2024 Target 2025 Total Asset 2-3% -1.72% 2-3% Loan 16-18% 16.98% 16-18% Customer Deposit 2-3% -0.90% 2-3% Pre -Tax Profit 3-4% -12.75% 3-4% LDR 70-75% 82.05% 75-80% NPL Gross 2,1-2,4% 3.45% 2,5-3,0% NIM 5,5-5,8% 5.86% 5,5-5,8%
Slide 21: Appendix
God) bankjatin # bersama membangun Indonesia APPENDIX
Slide 22: 8.0 2.5 2.0 6.0 2.0 1.5 1.5 4.0 1.0 1.0 2.0 0.5 0.5 0.0
8.0 2.5 2.0 6.0 2.0 1.5 1.5 4.0 1.0 1.0 2.0 0.5 0.5 0.0 0.0 0.0 2012 2014 2016 2018 2020 2022 2012 2014 2016 2018 2020 2022 2012 2014 2016 2018 2020 2022 100.0 60.0 120.0 80.0 50.0 100.0 40.0 80.0 60.0 30.0 60.0 40.0 20.0 40.0 20.0 10.0 20.0 0.0 0.0 0.0 201220142016201820202022 201220142016201820202
Slide 23: Quarterly Financial Performance
QUARTERLY FINANCIAL PERFORMANCE bankjatim # INFORMATION (In billion IDR) FY22 3M23 1H23 9M23 FY23 3M24 1H24 9M24 FY24 Total Asset 103,031 96,620 103,005 107,038 103,855 100,842 101,547 106,630 102,074 Loan 46,197 47,992 49,211 51,773 54,761 56,997 58,088 62,198 64,057 Allowance for Impairment Losses
Slide 24: Stocks
STOCKS bankjatim y 2 1.000 Domestic Investor Foreign Investor (3,79%) (16,73%) -B Series -B Series Dec 30, 2024 IDR 540,- 900 800 700 East Java City & Mu East Java Government Government (28,35%) - A Series (51,13%) - A Series Jul 12, 2012 Come IDR 430, ° Oo @ PEFINDO b Ba Mexcnari 400 CREM RATNEAGEN
Slide 25: 2024 Awards
2024 AWARDS TOROS Pt l [ \ j 1 Indonesia Public Relation Awards Top BUMD Award 2024 Indonesia Corporate Secretary & 13th Infobank-Isentia Digital Digital Technology & Innovation Indonesia Human Capital Awards (IPRA) 2024 ‘Communication Awards (ICCA) ke IX Brand Recognition 2024 ‘Awards 2024 2024 & I
Slide 26: Board of Directors
BOARD OF DIRECTORS jatim _ President Director > Experience: * BRI Malang Regional Head * BRIPolicy & Development Human Capital Division Head = BRI Surabaya Regional Head * Commercial & Corporate Director a q Experience: Experience: Treasury Division Head * BRlinternasional Business ____ Information
Slide 27: Board of Commissioners
ARD OF COMMISSIONER M.M. Independe Education * Ph.D - School of Political and International Experience: = Deputy of the Special Advisor for The President of the Republic of Indonesia, on Local Development and Decentralization Education = Bachelor of Commerce Administrative Brawijaya University Exper
Slide 28: Thank You
THANK YOU bankjatim er) 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
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