1

BJTM COMPANY PERFORMANCE

2 M 16

2

Table of Contents

Description Page

Agenda Cover

Table of Contents 2

Overview 3 ndash 5

Company Review 6 - 10

Business Plan 2015 11- 14

Appendix 15 - 47

- Economic Outlook 16 - 18

- Financial Highlights 19 - 25

- Overview amp Investment Highlights 26 - 39

- Strenghts 40 ndash 44

Contact 45

2

Table of Contents

Description Page

Agenda Cover

Table of Contents 2

Overview 3 ndash 5

Company Review 6 - 10

Business Plan 2015 11- 14

Appendix 15 - 47

- Economic Outlook 16 - 18

- Financial Highlights 19 - 25

- Overview amp Investment Highlights 26 - 39

- Strenghts 40 ndash 44

Contact 45

4

ASSET YoY Growth 1204

LOAN

YoY Growth 692bull Commercial 711bull SME 100bull Consumer 840

FUND

YoY Growth 1485bull Current Account 2667bull Saving Account 1690bull Time Deposit (442)

INCOME YoY Growth 1204

RATIO

ROA 427ROE 2526NIM 731LDR 7411

BOPO 6249CAR 2013NPL 457Coverage 8217

2M16 Overview

HR SOEROSO

(Bank Jatim President Director)

ldquoRegional Development Banks

Character of The Yearrdquo

Banking Indonesia

Award 2015

5

FUNDING

bull CASA RATIO Above 65 consistently more than 13 years

bull (Febrsquo16 -gt 7598)bull Low Cost of Fund 380

LOANbull Micro loan at 2 years NPL 01 bull Multipurpose loan more than 15 years

NPL below 05

STOCK

bull High Institutional Shareholder bull (68 Foreign Shareholder)bull High Dividend Yieldbull Dividend Growth

STRENGTH

Ranking 1

Bank Book III

(Asset lt Rp 50 Trillion)

Banking Indonesia

Award 2015

7

LOANIn million Rp

2M15 2M16 YoY

Loan 26110357 27917767 692

- Commercial 4854632 5199969 711

- SME 4356468 4399819 100

- Consumer 16899256 18317979 840

Financial Performance

bull Multi-purpose credit still became the largest contributor this year we will cooperate with non-payroll institutions to increase the multipurpose credit

bull Standby loan credit facility temporarily pending for regulations adjustment

bull Disbursement to rural bank in East Java and Indonesia through government programs start to be implemented in this year

FUNDIn million Rp

2M15 2M16 YoY

Third Party Fund 32801890 37672340 1485

- Current Account 13768425 17440772 2667

- Saving Account 9564771 11181679 1690

- Time Deposit 9468695 9049889 -442

bull Current account and Saving account increase low rate cost funding

bull Maintain institution relationship to increase institution current account funding placement

bull With new variously saving products and network expansion saving account as low rate funding increase

bull Deposits with high interest rates has been reduced to lower the interest expense

8

InformationIn million Rp

2M15 2M16 YoY

Nett Interest Income 526895 584270 1089

Nett Non Interest Operational Income

(Expense)(288728) (262579) -906

Nett profit 190472 227307 1934

- ROA 385 427

- ROE 1904 2526

- NIM 747 731

Financial Performance

bull Dealer Treasury activityrsquos became significant contributor for interest income the portion raises to 20 of interest income up to Rp 170 billion and 49 YoY

bull Operational profit increased due to higher interest income and lower impairment losses

bull With BOPO ratio only 6249 NIM 731 and COF 380 our nett profit increased 1934 YoY

9

NPL 11M15 12M15 1M16 2M16

Consumer 083 074 077 081

SME 1052 1111 1144 1165

Commercial 1078 997 1159 1146

NPL GROSS 452 429 451 457

Coverage Ratio 8365 8102 8214 8217

Non Performing Loan

bull Bank Jatim still faced the non performing loan and yet to decrease the rising of the NPL last year caused by

- Commercial credit npl standby loan and keppres

- Multipurpose npl from death and fired people decrease from insurance claim

- Financial Services Authority policy on lending quality of sharia rural bank based on capital adequate ratio level

bull Bank Jatimrsquos Risk Credit Division and Adhoc team keep trying to reduce the NPL

bull NPL came from the same debtors as last year we still maintain the debtor to restructuring or rescheduling the credit based on their business Some of the standby loanrsquos debtor waiting from the appeal completion in court

10

Awards amp Achievements

The Most Trusted Banking in

Microfinance Services of The

Year 2015

Very Good Predicate for 2014

Financial Performance

Infobank Awards 2015

The Most Favourable Mortgage

Loan With Variable Product of

The Year 2015

Excellence in Building and

Managing Corporate Image

Corporate Image Award 2015

The 1st Champion of Indonesia

Original Brand 2015

The Indonesia Living Legend

Brand 54 Years Old

12

Business Plan 2016

Description 2015 2016 E

Total Asset 1265 665

Loan 846 1498

Third Party Fund 1319 932

Financial Ratio

- CAR 2122 1752

- LDR 8292 8846

- NPL Gross 429 38

- NIM 641 736

- BOPO 7611 7454

- ROE 1611 1908

- ROA 267 323

LOAN STRATEGY

bull Productive credit expansion to 80 SME and 20 Commercial proportion

bull Increase MoU with government institution for multipurpose also private corporate

bull Intensify linkage program to rural bank member of Perbamida or Perbarindo

FUNDING STRATEGY

bull Cooperation to distribute school operational fund Cooperation with institution

bull Expanding funding network

bull Intensify new funding product implementation

bull Technology service improvement

NPL STRATEGY

bull Collection with credit restructured

bull Special collection for rest of government payment project terms

bull Insurances claim acceleration and recoveries

bull Collateral auction

HUMAN CAPITAL

bull Revitalization into competence and professional human capital to shape competency based resource management

13

Network

Network 2009 2010 2011 2012 2013 2014 2015 2M16NETWORK

2016

Head Office 1 1 1 1 1 1 1 1

Branch Office 39 41 41 41 41 43 45 452 (sharia)

Sub Branch Office 26 44 67 81 107 153 165 166 11 (sharia)

Cash office 151 154 164 164 176 165 185 185 1 (conventional)

Sharia service

office37 37 47 47 47 97 97 97

1 (sharia)

Payment Point 78 88 115 138 155 167 171 1717 (sharia)

2 (conventional)

Mobile cash 45 49 57 57 59 62 65 656 (sharia)

1 (conventional)

Mobile ATM - 4 4 6 6 6 6 6

CDM 1 1 1 1 1 2 2 2

ATM 87 142 262 368 479 595 688 68917 (sharia)

7 (conventional)

Total network 465 561 759 904 1072 1291 1425 1427

EAST JAVA TRADING REPRESENTATIVE OFFICE

bull To support East Javarsquos business in Indonesia Bank Jatim will open trading representative offices to the other province For the beginning it will be established in Riau and Nusa Tenggara Timur Province Next year will be established in 3 other provinces

Technology Strenghten

amp SDI2015

bullPrepare Spin Off

bull20162016

STRATEGY

NETWORK amp OPS

FINANCIAL

STRATEGY

NETWORK amp OPS

FINANCIAL

bull6 KC

bull8 KCP

bull35 KLS

bullBuild Infrastructure

bullUMK Empowerment

bullProduct Innovation

bullLink IT and UUS LKMS and UMK

bullMassice marketing UMK Product

bull2 KC

bull11 KCP

bull31 point

bullPrepare Human CapitalbullStructure examine (stock)

bullProduct synergy service IT network

bullLaw preparation new structure

14

CORPORATE ACTION 2016

STRATEGY

16

ECONOMIC OUTLOOK

LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

17Source Bank Indonesia

575 575 600725 750 750 750 750 775 750 700

430590 590

840 838732 670

453

836

335 442

418397 413

555 594589 585

585

581

627 531

FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 FY15 2M16

MACRO ECONOMY REVIEW

In billion Rp

3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420 4198577 4319749 4464083 4413056

2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501 3713544 3861172 3990464 4092104

FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15

640562 521 512 500 500 471 470 473

727

615 640 594 591 590518 525 544

FY12 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15

NATIONALYoY

EAST JAVAYoY

18Source East Java Gov

East Java amp National BPS

Regional Economic Growth

19

FINANCIAL HIGHLIGHTS

20

Balance Sheet

InformationIn million Rp

2M15 2M16 YoY

Total Asset 40882363 45804895 1204

Placement BI amp Other 9140656 10792215 1807

Loan 26110357 27917767 692

Impairment Losses (688938) (1048289) 5216

Third Party Fund 32801890 37672340 1485

- Current Account 13768425 17440772 2667

- Saving Account 9564771 11181679 1690

- Time Deposit 9468695 9049889 -442

Equity 6673495 5876880 -1194

20

Balance Sheet

InformationIn million Rp

2M15 2M16 YoY

Total Asset 40882363 45804895 1204

Placement BI amp Other 9140656 10792215 1807

Loan 26110357 27917767 692

Impairment Losses (688938) (1048289) 5216

Third Party Fund 32801890 37672340 1485

- Current Account 13768425 17440772 2667

- Saving Account 9564771 11181679 1690

- Time Deposit 9468695 9049889 -442

Equity 6673495 5876880 -1194

21

Profit amp Loss

InformationIn million Rp

2M15 2M16 YoY

Interest Income 704085 788835 1204

Interest Expense (177190) (204565) 1545

Nett Interest Income 526895 584270 1089

Non Interest Operational Income 64658 68802 641

Non Interest Operational Expense (233268) (257823) 1053

Impairment Losses Expense (120117) (73558) -3876

Nett Non Interest Operational Income (Expense) (288728) (262579) -906

Operational Profit 238167 321690 3507

Non Operational Profit 25502 2370 -9070

Pre Tax Profit 263669 324061 2290

Taxes (73198) (96753) 3218

Net profit 190472 227307 1934

22

Income amp Expense Growth

InformationIn million Rp

2M15 2M16 YoY

Placement others bank 54297 62327 1479

Marketable Securities 43690 89845 10564

Fees amp Commissions 36011 54613 5165

Current Account Expense (52452) (62020) 1824

Saving Accounts Expense (26200) (31678) 2091

Deposits Expense (95879) (103597) 805

Salaries (108569) (128162) 1805

Education amp Training (2613) (682) -7388

Rental (19117) (20740) 849

INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril)

CAGR =

1247

CAGR =

1470CAGR =

1093

17 172 21

27 28 2933

4146

079

0607 07 07 07 08

0908

1215

02

04 0405

05

09 09

07

08 094 088

023

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1372

120132 137 145

162

201222

260

303

343377

TOTAL ASSET (Rp Tril)

142157 163

174200

249

291331

380

428

458

LOAN (Rp Tril)

CAGR =

2100

CAGR =

1393

46 55 74

101 131

161 186

223

262 284 279

23

Financial Performance

312

354

261

414 407

355

394375

558497

334

382

352

267

427

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

R

O

A

5655

4166

3054

36903848

3085 3148

2859

4057

3365

1896 1904 1898

1611

2526

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

R

O

E

N

I

M

923

1128

910 939 934

728

835766

917

795

648714 690

641731

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

Financial Ratio

13

39974323

4545 4513

38754211

5404

6967

8070 80118355 8498 8654

8292

7411

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

L

D

R

1344

171529

1817

3845

3339

2536

2132

1919

1653

2656

23722217

21222013

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

C

A

R

7476 7532 7467 73836943 6820 6742 6604

5958 6002

6869 7028 6963

7611

6249

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

B

O

P

O

25

Financial Ratio

26

OVERVIEW amp INVESTMENT HIGHLIGHTS

Bank Jatim led by an experienced management team with deep knowledge on Indonesiarsquos economic and banking sector

27

Board of Commissioner

HERU SANTOSOPresident Commissioner(Senior Auditor Bank Indonesia Senior Supervisor Bank Indonesia Senior Researcher Bank Indonesia Division Coordinator BankIndonesia Head of Bank Indonesia Makasar Pengawas Bank Eksekutif Direktorat Pengawasan BPR Head of Grup Director BankIndonesia Head of BPR and UMKM Credit Department Bank Indonesia Expert Staff of Conventional amp Sharia Supervisor MemberBoard Governor and President Commissioner of Bank Jatim)Experienced for 31 years in Banking

AKHMAD SUKARDI Commissioner(Head of East Java Province Financial Bureau Financial Division Head of Regional Secretary East Java Province Financial BureauHead of East Java Province Revenue Agency Co-General Administration of Regional Secretary East Java Province Regional SecretaryEast Java Province and Commissioner of Bank Jatim)Experienced for 36 years in East Java Economic

HADI SUKRIANTO Commisioner(Head of Pasuruan Branch Head of Special Credit Sub-Division Head of Special Credit Division Head of Credit Division ComplianceDirector President Director and Commissioner of Bank Jatim)Experienced for 32 years in Bank Jatim

SOEBAGYOIndependent Commissioner(Secretary of Development Economy Major Airlangga University Surabaya Dean Assistant on Student and Alumni Division AirlanggaUniversity Surabaya Chairman of East Java Province Regional Economy East Java Province Regional Finance Expert Staff SurabayaMayor Expert Staff Commissioner of PT JAMKRIDA and Independent Commissioner of Bank Jatim)Experienced for 36 years in university east java economic and insurance

WIBISONOIndependent Commissioner(Deputy of DPP and Foreign Exchange Division Bank Indonesia Deputy of Bank Indonesia London Head of Real Sector andGovernment Financial Division Bank Indonesia Jakarta Head of Financial Market Studies Division Bank Indonesia Head of FinancialStudies And International Institute Division Bank Indonesia Deputy of Bank Indonesia Surabaya and Independent Commissioner ofBank Jatim)Experienced for 28 years in banking

Bank Jatim led by an experienced management team with deep knowledge on Indonesiarsquos economic and banking sector

27

Board of Commissioner

HERU SANTOSOPresident Commissioner(Senior Auditor Bank Indonesia Senior Supervisor Bank Indonesia Senior Researcher Bank Indonesia Division Coordinator BankIndonesia Head of Bank Indonesia Makasar Pengawas Bank Eksekutif Direktorat Pengawasan BPR Head of Grup Director BankIndonesia Head of BPR and UMKM Credit Department Bank Indonesia Expert Staff of Conventional amp Sharia Supervisor MemberBoard Governor and President Commissioner of Bank Jatim)Experienced for 31 years in Banking

AKHMAD SUKARDI Commissioner(Head of East Java Province Financial Bureau Financial Division Head of Regional Secretary East Java Province Financial BureauHead of East Java Province Revenue Agency Co-General Administration of Regional Secretary East Java Province Regional SecretaryEast Java Province and Commissioner of Bank Jatim)Experienced for 36 years in East Java Economic

HADI SUKRIANTO Commisioner(Head of Pasuruan Branch Head of Special Credit Sub-Division Head of Special Credit Division Head of Credit Division ComplianceDirector President Director and Commissioner of Bank Jatim)Experienced for 32 years in Bank Jatim

SOEBAGYOIndependent Commissioner(Secretary of Development Economy Major Airlangga University Surabaya Dean Assistant on Student and Alumni Division AirlanggaUniversity Surabaya Chairman of East Java Province Regional Economy East Java Province Regional Finance Expert Staff SurabayaMayor Expert Staff Commissioner of PT JAMKRIDA and Independent Commissioner of Bank Jatim)Experienced for 36 years in university east java economic and insurance

WIBISONOIndependent Commissioner(Deputy of DPP and Foreign Exchange Division Bank Indonesia Deputy of Bank Indonesia London Head of Real Sector andGovernment Financial Division Bank Indonesia Jakarta Head of Financial Market Studies Division Bank Indonesia Head of FinancialStudies And International Institute Division Bank Indonesia Deputy of Bank Indonesia Surabaya and Independent Commissioner ofBank Jatim)Experienced for 28 years in banking

Bank Jatim is led by an experienced management team with deep knowledge on Indonesiarsquos banking sector

28

Board of Director

R SOEROSO President Director(Head of Probolinggo Branch Head of Malang Branch Head of Sidoarjo Branch Corporate Secretary President Director of PTBPR Jatim and President Director of Bank Jatim)Experienced for 32 years in Bank Jatim and BPR Jatim

SUrsquoUDIDirector of Medium Business amp Corporate(Head of Risk Controlling Sub Division Head of Information Technology Sub-Division Head of Bangkalan Branch Head ofPamekasan Branch Head of Blitar Branch Head of Technology amp Accounting Division Head of Strategic Planning DivisionHead of Risk Controlling Division and Medium Business and Corporate Director)Experienced for 36 years in Bank Jatim

EKO ANTONODirector of Compliance(Head of Pacitan Branch Head of Pasuruan Branch Head of Service Fund and Interantional Sub-Division Head of HumanCapital Division Operational Director and Compliance Director)Experienced for 32 years in Bank Jatim

RUDIE HARDIONODirector of Operations(Head of Strategic Planning Sub Division Head of Perak Branch Head of Gresik Branch Head of Service Fund and InternationalDivision Head of Malang Branch Corporate Secretary and Operational Director)Experienced for 32 years in Bank Jatim

TONY SUDJIARYANTODirector of Agribusiness amp Sharia(Head of Jombang Branch Head of Medium and Corporate Loan Sub-Division Acting Head of Special Credit Division Head ofJakarta Branch Head of Treasury Division and Agribusiness and Sharia Business Director)Experienced for 27 years in Bank Jatim

9662

12083

9969

16563

11649

13768

20116

13494

17441

8174

7064

9970

8082

10991

9565 9128

12753

11182

4374

8269

6048

10834

7630

9469

13437

8016

9050

FY12 1H13 FY13 1H14 FY14 2M15 1H15 FY15 2M16

Current Account Saving Account Time DepositIn Billion Rp

29

Current AccountYoY 2667

Saving AccountYoY 1690

Time DepositYoY (442)

Third Party Fund

13821 11959 7220 12432 14710 15803 17985 5718 13362

2742

3491

4429

1337

3582 4313

1596

7776

4078

1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

Current Account

Government Private

241 290 657 425 418 535 581 861 673

179 194 208

215 218 199 215 224 229

6946 7682

9239

8094 7705 7543

8535

10561

9242

651

687

795

747 748 762

814

994

926

65

70

93

84 83 87

94

112

112

1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

SavingSIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving

In Billion Rp

Government Current

Acc

YoY 749

Private Current Acc

YoY 20509

YoY

SIMPEDA 1418

SIKLUS 5841

Hajj Saving 615

TabunganKu 2408

Barokah Saving 3344

10834 11331

7630 9469 10509

13437 13934

8016 9050

1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

Time Deposit Time Deposit

YoY (442)

30

Detailed Third Party Fund

44

1

37

43

6

34

44

2

54

45

3

34

46

8

53

47

0

14

48

3

58

49

4

11

50

1

34

50

9

27

53

6

58

54

3

69

51

3

61

51

8

67

20

45

7

85

21

00

5

10

21

44

9

12

25

11

5

07

41

26

8

26

41

61

2

77

41

99

5

90

42

55

2

04

43

33

8

20

44

03

8

99

44

62

1

07

45

43

1

29

46

26

9

10

46

60

2

54

23

6

16

24

4

25

24

5

38

25

2

74

26

1

76

25

2

77

27

2

09

28

1

73

29

1

94

30

7

28

30

7

88

32

6

92

34

1

67

35

7

11

FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Total Customer

Current Account Saving Account Time Deposit

21831

27733 27304 27883

21277 24866

34252 31270

23236

35918 37489 36015

26273

33626

399 322 329 303 242 199 192 210 254 208 205 225 276 240

18521

27761

33698 33250

23107

32546

39819 40218

26134

34200

43644 42621

23462 25342

FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Ticket Size

Current Account Saving Account Time Deposit

31

Third Party Fund Customer

In million Rp

32

Competitive Product

CONSUMER

COMMERCIAL

SME

CONSUMER LOAN Febrsquo15 Febrsquo16

Multipurpose 5754 5749

Mortgage 506 513

Others 212 300

Total 6472 6561

COMMERCIAL LOAN Febrsquo15 Febrsquo16

Standby Loan 299 213

Keppres 154 177

Overdraft 949 984

Syndicate 456 490

Total 1859 1863

Small Medium Ent Febrsquo15 Febrsquo16

KUR 364 137

Pundi Kencana 340 430

Jatim Mikro 118 189

Others 847 819

Total 1668 1576

33

Loan Proportion

14026

14727

15599

16224

16711 16899

17064

17575 17939

18186 18318

4228

4636 5019

5624

5180 4855

5054

6024

6586

5697

5200

3831

3321

4203 4239 4304 4356 4450 4689 4710

4528 4400

FY13 3M14 1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

Consumer Commercial SMEIn Billion Rp

YoY

Consumer840

Commercial 711

SME100

34

Type Of Loan

In Billion Rp

12457

13058

13864

14408

14849 15025 15152

15609 15794 15924 16050

1025 1097

1177 1233 1299 1320 1340 1369 1399 1434 1431

544 572

559 583 563

554

572 597 746 827 836

FY13 3M14 1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

Consumer Loan

Multipurpose Mortgage Others

YoY

Multipurpose

683

Mortgage840

Others5093

35

Type Of Loan

In Billion Rp

10

02

61

6 10

75

12

86

10

13

78

1

81

2

10

23

12

44

84

7

59

4

63

5

41

1

82

4

11

57

68

7

40

3

44

9

97

8

13

37

74

8

49

4

17

80

12

85

22

17

22

59

23

08

24

79

25

75

27

41

26

92

27

66

27

46

81

0

75

9

90

3

92

2

11

71

11

92

12

18

12

81

13

14

13

36

13

67

FY13 3M13 1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

Commercial Loan

Standby Loan Keppres Overdraft Syndicate

YoY

Standby Loan

(2401)

Keppres2253

Overdraft

1077

Syndicate

1470

36

Type Of Loan

In Billion Rp

1312

1243

1218

1128

1058

950

893

735

601

451

383

513

603

693

747

796

887

950

1108

1157

1178

1201

22

78

165

264

308

345

452

491

520

529

2005

1453

2214

2199

2186

2211

2262

2395

2461

2380

2286

FY13 3M14 1H14 9M14 FY14 2M15 3M15 1H15 9M15 FY15 2M16

SME Loan

KUR Pundi Kencana Mikro Others

YoY

KUR(5965)

Pundi Kencana

3541

Mikro7165

Others340

37

Type Of Loan

26

31

69

26

47

42

25

63

21

25

60

95

26

22

93

26

06

47

25

96

58

26

17

30

26

36

14

26

39

07

25

45

01

25

52

00

41

28

59

02

61

73

57

73

85

98

96

44

87

30

71

94

96

70

11

5

82

83

64

61

16

36

4

98

39

3

06

43

4

41

41

4

11

45

9

51

43

9

86

42

7

49

43

2

81

45

2

44

44

1

49

41

6

35

41

9

61

3M12 1H12 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Total Customer

Consumer Commercial SME

4048 423 432 455 4751 5472 5697 5947 6225 6436 652 6667 6797 7146 7178

69365

60678

48755 51445

76428

68196

79678

58231 58311 5933

7026

6229256868

68119

85022

8341 8448 8552 8282 8034 8819 7556 9147 9637 10069 1028 10366 10669 10877 10485

3M12 1H12 9M12 FY12 3M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Ticket Size

Consumer Commercial SME

38

Type Of Loan

39

Human Resources

No DATA February 2015 February 2016

1 Board of Commisioner 4 5

2 Board of Sharia Supervisory 3 3

3 Director 5 5

4 Management 1 11 22

5 Management 2 73 96

6 Management 3 232 288

7 Management 4 643 707

8 Staff of Administration 1788 1994

9 Staff Non Administration 341 336

10 Non Permanent 828 909

11 Outsource 1772 1861

Total 5700 6226

40

STRENGTH

517460 477

426403

435463 480

431 407 435384 385 394

463

246

254 288

362358

241

250284 359

354368

384 363 372297

237 285 235212

239 237287

237 210 239197

232 252 234 240

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

Time deposit Saving deposit Current account

41

Strength Of Funding

448 453

300253

302 318 321261

316 354 348268 301

368256

380

492 500

275239

310 328 331

258

326381 371

267345

395

250

414

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 FY15 2M16

Cost of Fund(+) Local Government (-) Local Government

517460 477

426403

435463 480

431 407 435384 385 394

463

246

254 288

362358

241

250284 359

354368

384 363 372297

237 285 235212

239 237287

237 210 239197

232 252 234 240

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2M16

Time deposit Saving deposit Current account

41

Strength Of Funding

448 453

300253

302 318 321261

316 354 348268 301

368256

380

492 500

275239

310 328 331

258

326381 371

267345

395

250

414

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 FY15 2M16

Cost of Fund(+) Local Government (-) Local Government

7177

88329649

10738 11141 11734 11869 12086 12457

1305813864

1440814849 15152

15609 15794 15924 16050

2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Multiguna Loan Balance

( Billion Rp )

292 325

389

436 458

488 506 522 542

567 593

612 619 631 640 666 668

2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 2M16

Multiguna Ticket Size (million) Rp

Description Details

Civil Servants (per December 2014) 426545

Multipurpose Customer (Civil Servants) 240299

5634

NPL 032 as of Febrsquo 2016

42

Strength of Loan (Multipurpose Loan)

Bank(2292016)

Price Market CapRp bn

PER

PBV

DividendYield

BBCA 13350 329144 166 31 13

BBRI 10850 267660 100 20 20

BMRI 9475 221083 109 17 18

BBNI 5025 93710 85 13 23

BDMN 3750 35942 120 10 24

BTPN 2770 16178 81 11 18

BBTN 1670 17676 85 11 21

BJBR 900 8727 64 11 77

BBKP 530 4816 40 06 50

BJTM 410 6115 60 09 99

99

BJBR

77

50

24

19

INDUSTRY

Source Securities (Pebruary 29 2016)

BJTM BBKP BDMN

43

Strength of High Dividen Yield

Foreign Institution Investor

6197 from public shares

Foreign Institution Investor

6809 from public shares

Public shares 20

from paid capital Domestic Investor

3191 from public shares

Domestic Investor

3803 from public shares

44

No Country Share

1 INDONESIA 319437

2 SIPRUS 217596

3 NORWEGIA 134591

4 AMERIKA 108177

5 FINLANDIA 57695

6 VIRGIN ISLAND 50946

7 LUKSEMBURG 29545

8 IRLANDIA 29473

9 INGGRIS 18581

10 AUSTRALIA 11255

11 JEPANG 08225

12 KANADA 05285

13 DENMARK 02590

No Country Share

14 SWEDIA 02489

15 SINGAPURA 02219

16 CAYMAN ISLAND 00750

17 CINA 00427

18 GREENLAND 00331

19 BELANDA 00145

20 SWITSERLAND 00113

21 KOREA SELATAN 00067

22 MALAYSIA 00025

23 FILIPINA 00022

24 JERMAN 00015

Total 100

STRENGTH OF INSTITUTIONS INVESTOR

45

Investor Relation (IR)

Corporate Secretary

(031) 5310090

Email irubankjatimcoid

Slamet Purwanto ndash Ext 467

Investor Relations Manager

Ardiansyah Wicaksono ndash Ext 472

Senior Analis

Abdulah Basid ndash Ext 472

Analis

Lukas Yudhi WS ndash Ext 469

Junior Analis

Frizki Putera N ndash Ext 469

Junior Analis

Contact