1

AGENDA
ECONOMIC OUTLOOK

FINANCIAL HIGHLIGHTS

OVERVIEW & INVESTMENT HIGHLIGHTS

STRENGHTS

MACRO ECONOMY REVIEW

LOAN
LOAN
billion
billion

FUND
FUND
billion
billion

JIBOR
JIBOR
INFLASI
INFLASI
BI RATE
RATE
BI

Source: Bank Indonesia

REGIONAL ECONOMIC GROWTH

EAST JAVA
YoY

NATIONAL
YoY

REGIONAL INCOME
EAST JAVA
Million

Source: East Java Gov.

BANK JATIM AMONG NATIONAL BANK

Bank

Asset

Loan

Third Party
Fund

Paid
Capital

Net Income
Before Tax

Bank Mandiri

671.941

440.195

510.278

11.667

13.411

BRI

623.882

461.207

496.394

6.167

16.929

BCA

523.310

327.151

430.209

1.541

10.958

BNI

378.012

243.260

292.838

9.055

6.710

CIMB Niaga

218.638

149.452

164.623

1.612

2.832

...

.....................

.................

..................

................

..............

.............

No

24

24

Bank Jatim

Source: Publication Data

Bank Indonesia, July 2014

36.685

24,803

21

29,393

3,729

14

860
6

BALANCE SHEET
Information
Total Asset

9M13

9M14

YoY

35.508.757 42.694.050 20,24%

Placement BI & SBI

2.152.215

4.733.978 119,96%

Placement Other Bank

7.254.226

6.873.797

3Q13

2Q14

YoY

QoQ

-67,00%

-91,82%

684.815 1.925.509 16797,84%

181,17%

1.656.670 6.683.124
11.395

million
InIn
Million
Rp. Rp.

3Q14
546.759

-5,24%

451.862 3.407.960 (2.577.352)

-670,38%

-175,63%

Loan

21.526.815 26.086.837 21,18%

1.095.699 2.136.778 1.266.119

15,55%

-40,75%

Third Party Fund

28.669.422 35.704.012 24,54%

1.253.441 7.275.686

223.802

-82,14%

-96,92%

- Current Account

12.643.546 15.450.593 22,20%

560.448 4.873.059 (1.112.872)

-298,57%

-122,84%

- Saving Account

7.622.300

8.922.835 17,06%

558.170 (204.999)

840.395

50,56%

-509,95%

- Time Deposit

8.403.576 11.330.584 34,83%

134.823 2.607.625

496.279

268,10%

-80,97%

Equity

5.575.423

252.494

199.612

-20,94%

-12,98%

5.847.444

4,88%

229.387

PROFIT & LOSS

Information

9M13

9M14

YoY

3Q13

Interest Income

2.391.366

2.934.682

22,72%

Interest Expense

(623.638)

(817.274)

31,05%

Nett Interest Income

1.767.728

2.117.408

19,78%

661.251

333.391

328.331

-1,52%

91.011

(1.164.423)

(1.416.622)

(831.032)

Non Interest Operational

Income
Non Interest Operational
Expense

885.663

InIn
Million
million
Rp. Rp.

2Q14

3Q14

YoY

QoQ

959.683

1.044.032

17,88%

8,79%

(224.412) (284.929)

(313.973)

39,91%

10,19%

674.753

730.059

10,41%

8,20%

118.558

89.539

-1,62%

-24,48%

21,66%

(409.029) (464.731)

(538.102)

31,56%

15,79%

(1.088.291)

30,96%

(318.018) (346.173)

(448.563)

41,05%

29,58%

936.696

1.029.117

9,87%

343.234

328.584

281.496

-17,99%

-14,33%

11.839

16.907

42,81%

11.278

8.425

953

-91,55%

-88,69%

948.535

1.046.024

10,28%

355.633

337.010

282.449

-20,58%

-16,19%

(267.463)

(303.131)

13,34%

(83.664) (105.924)

(82.838)

-0,99%

-21,80%

681.072

742.893

9,08%

252.494

199.612

-20,94%

-13,62%

Nett Non Interest

Operational Income
(Expense)
Operational Profit
Non Operational Profit
Pre Tax Profit
Taxes
Net profit

231.086

FINANCIAL PERFORMANCE
INTEREST INCOME (Rp Tril)

INTEREST EXPENSE (Rp Tril)

CAGR =
12,31%

NET PROFIT (Rp Tril)

CAGR =
17,20%

CAGR =
8,35%

0,99
3,9
2,7 2,8 2,9

1,7 1,7
1

3,3

2,1

0,4

1,2

0,6

0,5
0,3

0,8

0,7 0,7 0,7 0,7

0,9

1,09

0,9 0,9

0,4 0,4

0,4
0,2 0,2 0,2

THIRD PARTY FUND(Rp Tril)

LOAN (Rp Tril)

CAGR =
17,16 %

0,8
0,7

0,8
0,5 0,5

0,2

TOTAL ASSET (Rp Tril)

CAGR =
22,28%

CAGR =
17,44%
42,7

35,7

26,1
26,0

20,1
13,7 14,5
12,0 13,2
5,6

6,1

2002

2003

7,0

2004

2007

2008

2009

24,9

16,1
13,1

16,2

10,1
5,5
3,7 4,1 4,6
3,0
2,4

2006

29,1

18,6

22,2

9,1

2005

33,1

22,3

2010

2011

2012

2013 9M14

2002

2003

2004

2005

2006

2007

7,4
6,4 7,4

2008

2009

2010

2011

2012

2013 9M14

8,7

20,0
16,3 17,4
15,7
14,2
10,7

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14

10

FINANCIAL RATIO
5,58%4,97%

R
O
A

4,14%4,07%
3,94%3,75%
3,55%
3,54%
3,12%
2,61%

4,87%

4,07%
3,65%

3,82%
3,34%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

56,55%

41,66%

R
O
E

38,48%
36,90%

30,54%

40,57%

31,48%
30,85%
28,59%

33,65%
24,29%
22,06%
20,13%
19,04%
18,96%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

N
I
M

11,28%
9,39%
9,34%
9,23%
9,17%
9,10%
8,35%
7,95%
7,72%
7,66%
7,28%
7,14%
7,03%
6,48%
7,07%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

11

FINANCIAL RATIO
80,70% 80,11% 83,55%

84,98%

80,36%

69,67%

L
D
R

69,96% 73,06%

54,04%
39,97%

43,23% 45,45% 45,13%

38,75%

42,11%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

38,45%
33,39%

C
A
R

26,56%
23,72%22,54%
20,36%20,29%

25,36%

17%
13,44%

21,32%
19,19%
16,53%

18,17%
15,29%

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14

B
O
P
O

74,76%75,32% 74,67% 73,83%

2002

2003

2004

2005

69,43% 68,20% 67,42%

2006

2007

2008

66,04%

2009

68,69% 70,28%
60,14%

59,58% 60,02%

2010

2011

2012

64,89%

68,46%

2013 3M14 1H14 9M14

12

13

Management Team
MULJANTO
President Commissioner

HADI SUKRIANTO
President Director

RUDIE HARDIONO
Director of Compliance
CHAERUL DJAELANI
Commissioner
DJOKO LESMONO
Director of Medium
Business & Corporate
SOEBAGYO
Independent Commissioner
TONY SUDJIARYANTO
Director of Agribusiness
& Sharia

WIBISONO
Independent Commissioner

EKO ANTONO,
Director of Operations

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

14

THIRD PARTY FUND

Current Account

Saving Account

Time Deposit

In Billion Rp.

16.563

YoY
15.451

12.101

11.628
10.733
8.080

9.662

8.269

8.403

6.472

4.374

8.405

6.781
6.757

7.064

9.969

10.370

8.281

8.174
6.475

12.643

12.083

7.701

7.622

9.970

11.690
10.834 11.331

8.287
6.048

8.923

8.227
8.082

Current
Acc.
22,20%
Saving Acc.
17,05%
Time Dep.
34,84%

1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
15

In Billion Rp.
DETAILED THIRD PARTY FUND

Current Account
Government

2.385

2.485
8.248

9.773
3M12

1H12

Private

2.538 2.624
5.421
4.241 9.563
9.460
8.980

2.648

9M12

SIKLUS

2.742

FY12

3M13

Hajj Saving

1H13

SIMPEDA

2.662

2.675
9.969

4.324

7.708
8M13

5.644

9M13

FY13

TabunganKu

2.560
9.130

3.491

13.821 11.959

3M14

1H14

9M14

Government Current Acc.

YoY 19,97%

Private Current Acc.

YoY 30,51%

Barokah Saving
71

50
43

44
273

299

49

417

331
7.299

5.825

5.340
152
147

148
161

3M12

1H12

5.792
153
148

236
172

9M12

381

401

5.992

6.294

158
173

FY12

152
161

3M13

63

57

52

1H13

61

418

466

6.905

6.769

149
166
8M13

1.230

844

8.242

156
171

242
186

9M13

207
180

65

687

651

7.682

6.946

6.979

FY13

70

78

241
179

3M14

YoY
YoY
YoY
YoY
YoY

13,48%
85,79%
13,37%
47,48%
15,23%

290
194

1H14

Time Deposit

SIMPEDA
SIKLUS
Hajj Saving
TabunganKu
Barokah Saving

9M14

11.331
10.834

8.269 8.405 8.403

8.080 8.281

6.781

6.280

Time Deposit
YoY 34,84%

8.227
6.048

4.374

3M12

1H12

9M12

FY12

3M13

1H13

8M13

9M13

FY13

3M14

1H14

9M14

16

THIRD PARTY FUND customer

Total Customer
Current Account

Saving Account

Time Deposit
4,126,826

1,557,712

1,827,201

34,800
23,914

3M12

1,941,551

44,259
21,803

1H12

2,045,785

42,608
22,623

9M12

2,100,510

44,137
23,616

FY12

2,144,912

43,634
24,425

3M13

4,161,277

4,199,590

4,255,204

2,511,507

45,334

44,254
24,538

1H13

9M13

46,853

25,274

FY13

47,014
26,176 25,277

3M14

49,411
48,358
27,209
28,173

1H14

9M14

398.19

402.18

342.52

312.70

Ticket Size
Current Account
370.59

366.05

277.61

262.60
349.35

Saving Account
336.98

Time Deposit

332.50

325.46

231.07

185.21
277.33

273.04

278.83

242.49

272.90

3.81

3.54

3.33

3.99

3.22

3.29

3.03

2.42

1.99

1.92

2.10

3M12

1H12

9M12

FY12

3M13

1H13

9M13

FY13

3M14

1H14

9M14

218.31

212.77

248.66

17

COMPETITIVE PRODUCTS

Android & Blackberry

18

TYPE OF LOAN
CONSUMER LOAN

LOAN SEPT'14 PROPORTION

SME

COMMERCIAL

Sept13

Sept14

Multipurpose

56,14%

55,23%

Mortgage

4,37%

4,73%

Others

2,51%

2,23%

Total

63,03%

62,19%

COMMERCIAL LOAN

Sept13

Sept14

Standby Loan

5,17%

4,93%

Keppres

4,40%

4,44%

Syndicate

7,11%

8,66%

Overdraft

3,57%

3,53%

Total

20,24%

21,52%

Small Medium Ent.

Sept13

Sept14

KUR

6,96%

4,32%

Pundi Kencana

1,98%

2,86%

Laguna

0,41%

0,17%

Others

7,38%

8,89%

16,73%

16,26%

CONSUMER

Total

19

TYPE OF LOAN
Consumer

Commercial

SME

15.599

10.654

11.185 11.252

11.886

12.395

13.568
13.120 13.329

3.869

3.580

3.044

3.320

3.490

3.432

3.338

3.442

3M12

1H12

9M12

FY12

3M13

1H13

2.863

16.224

14.727

YoY
Consumer
19,58%

3.798

3.239

14.026

In Billion Rp.

3.072

4.240

4.358

4.228

3.506

3.601

3.831

8M13

9M13

FY13

4.636

5.019

5.624

4.203

4.239

1H14

9M14

Commercial
29,04%
SME
17,71%

3.321

3M14

20

TYPE OF LOAN
In Billion Rp.

Consumer Loan
Multipurpose

Mortgage

Others

13.864

9.813

10.232

10.247

10.739

11.142

11.878

11.734

12.086

12.457

14.408

13.058

YoY
Multipurpose
19,22%

Mortgage
31,04%
Others
7,73%
1.233

440
410431 513

558
446

653
494

748
505

850
536

914
537

1.177
1.097
1.025
941
544
541
572
559

583

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
21

TYPE OF LOAN
In Billion Rp.

Commercial Loan
Standby Loan

Keppres

Overdraft

Syndicate
2.217

2.259

YoY
1.780

1.491
1.185

1.285

Standby
Loan
15,54%

1.530

1.410

1.285

1.113

1.075

1.286

1.010
1.002
1.094
1.010 1.0201.087
903
942
947
900 860
824
810
861
1.004
759
759
794
796
886 805745
768
696
721
706
635
616
616
646
612
308

411

1.157
922

411

Keppres
22,20%
Overdraft
47,64%
Syndicate
19,99%

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M13 1H14 9M14

22

TYPE OF LOAN
In Billion Rp.

SME Loan
KUR

Pundi Kencana

Laguna

Others
2.229

1.832

1.908

2.320

YoY

1.930

1.903

KUR
-24,71%

1.763

1.631
1.374
1.100

1.508
1.588
1.489 1.587
1.401
1.432
1.330
1.330
1.243 1.218
1.387
1.312

1.128

920

165
127

209

191
121

115

234
104

277
100

351

94

397
90

426

89

513

75

603

74

693

63

747

44

Pundi
Kencana
75,34%
Laguna
-50,46%
Others
46,10%

3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
23

TYPE OF LOAN
Total Customer
Consumer
263.169 264.742 260.490 261.230 260.862

Commercial

SME

257.846 254.976 257.915

256.321

256.095

262.293

260.647

41.439
40.809
39.306
36.498
7.790
6.283
5.902
4.128

45.951
43.986
43.553
43.441
42.097
41.971
41.554
41.411
9.644
8.598
7.744
7.332
6.248
6.173
5.773
4.019

3M12

3M13

1H12

9M12

FY12

1H13

8M13

9M13

FY13

3M14

1H14

9M14

582,31

583,11

Ticket Size
Consumer
693,65

764,28
606,78

487,55

514,45

Commercial

SME

624,03

576,5

562,76

681,96

796,78

83,41

84,48

85,52

82,82

80,34

81,95

81,11

82,69

88,19

75,56

91,47

96,37

40,48

42,3

43,2

45,5

47,51

50,89

51,84

52,61

54,72

56,97

59,47

62,25

3M12

1H12

9M12

FY12

3M13

1H13

8M13

9M13

FY13

3M14

1H14

9M14

24

MULTIPURPOSE LOAN
Multiguna Ticket Size (million) Rp.

29,2

2009

38,9

32,5

2010

2011

43,6

45,8

2012

3M13

48,8

50,6

52,2

1H13

9M13

2013

54,2

56,7

59,3

3M14

1H14

9M14

Multiguna Loan Balance

( Billion Rp. )

7.177

2009

8.832

9.649

2010

2011

10.738

11.141

11.734

11.869

12.086

2012

3M13

1H13

7M13

9M13

Description

13.058

13.864

14.408

2013

3M14

1H14

9M14

Details

NPL
Civil Servants (per August 2014)

426.545

Multipurpose Customer (Civil Servants)

210.682

12.457

49,39%

0,18 % as of Sept 30, 2014

25

LINKAGE PROGRAM TO RURAL BANK & JETS

Linkage
Program
Executing

Linkage
Program KUR

Outstanding : Rp. 401,66

Billion
Consists of 75 members

Outstanding : Rp. 2,55

Billion
Consists of 4 members

One of transfer system service to Rural Bank in Bank Jatim is

JETS (Jatim Electronic Transfer System). In this case, Bank
Jatim acting as an organizer and Rural bank as participants.
The members of JETS :
18 Rural Bank pilot project was done kick off meeting
87
Rural
Bank
who
engage
themselves
in
implementation of JETS

Type of 2013 (monthly

Total Transaction
Per December
report)
Transaction
(in 1 month)
Between BPR

Linkage BPR
Non APEX

Outstanding : Rp. 10,06

Billion
Consists of 3 members

the

Total Amount

29

Rp. 1.946.703.583

BPR with Public

Bank
member
SKNBI

190

Rp. 4.401.731.306

TOTAL

219

Rp. 6.348.434.889

26

Human resources
No

DATA

Sept13

Sept14

Board of
Commisioner

Board of Sharia
Supervisory

3 Director

* Exclude

outsourcing

2346
2102 2136 2065

4 Management 1

15

11

No

5 Management

71

68

6 Management 3

142

231

7 Management 4

571

658

Staff of
8
Administration

1.031

1.526

Staff Non
9
Administration

361

343

10 Non Permanent

1.051

1.044

11 Outsource

1.225

1.696

4.476

5.588

Total

3892
3658 3777

1409

2669

3190 3316 3251 3390

2007

2008

2009

Program

2010

2011

2013

2012

3M13

1H13

9M13

FY13

3M14

1H14

Description

Manajement Trainee (MT)

21
15 Pjs. Manager
6 Waiting for placement
Staff Development Program (SDP)
- SDP 4 Batch 1
68
64 definitive officials; 4 pjs
- SDP 4 Batch 2
87
73 definitive officials; 11 pjs
40 Pjs. Manager; 5 waiting for
- SDP 5 Batch 1
45
placement
5 Pjs. Manager; 43 waiting for
- SDP 5 Batch 2
48
placement
- SDP 6
Manager Development Program (MDP)
- Batch 3
39
39 Head of Sub Branch Office
3 Head of Sub Branch Office, 39
- Batch 4
42
waiting for placement
- Batch 5
Executive Development Program (EDP)
EDP Batch 7
9
8 pass the program
EDP Batch 8
-

9M14

Target
2014
-

108
80
17

27

Business plan 2014

Description

Target

Total Asset

18,96%

Loan

25,51%

Third Party Fund

24,88%

- Current Account

21,72%

- Saving Account

12,83%

- Time Deposit

49,94%

Financial Ratio
- CAR

20,29%

- LDR

84,99%

- NPL Gross

2,99%

- NIM

7,73%

- BOPO

70,01%

- ROE

20,60%

- ROA

3,76%

Strategy of achieving loan growth 25,51%

is by distributioning loan of consumer 2,3
Trillion, consists of Multipuspose Loan 2
Trillion, and the rest is Mortgage and
Talangan Haji. Followed by SME Loan 2
Trillion and Commercial Loan 1,2 Trillion
Strategy of funding, focus on Current
Account and Saving Account, supported by
product development such as Siklus Saving,
Flazz, e-money, sms banking, and internet
banking. For cost of fund maintained in
range 2,6% to 3%. Growth of saving,
targetted 30,65%
Strategy to increase NIM from 7,14% to
7,73%, by micro loan penetration which is
distributed 300 billion with interest 19% 31%,
supported
by
distribution
of
Multipurpose Loan 3 Rp Tril or grow 25 %

28

29

Competitive funding composition

23.7%

28.5%

23.5%

21.2%

36.2%

24.6%
25.4%

28.8%

23.9%

23,7%

28,7%

2002

46.0%

2003

47.7%

24,1%

2004

42.6%

2005

21,0%

28,4%

35,9%

23,9%

19,7%

23,2%

31,7%

35.8%
25,0%

51.7%

23,7%

40.3%

2006

Time deposit

43.5%

2007

46,3%

48,0%

2008

2009

Saving deposit

35,4%

36,8%

38,4%

43,1%

40,7%

43,5%

2010

2011

2012

38,4%

2013

25,0%

43,3%

9M14

Current account

CASA
September 2014
68,27 %
30

Cost of fund

COF
4,92%

(+) Local Government

5,00%
2,75%

4,48%

4,53%

3M12

1H12

2,39%

(-) Local Government

3,10%

3,28%

3,52%

3,31%

2,58%

3,26%

3,81%

3,71%

3,00%

2,53%

3,02%

3,18%

3,44%

3,21%

2,61%

3,16%

3,54%

3,48%

9M12

FY12

3M13

1H13

Jul-13

9M13

FY13

3M14

1H14

9M14

31

sharia
2013

Sinergi
Aliansi,
terutama
jaringan

FINANCIAL

JARINGAN &
OPS

STRATEGI

2014

Penguatan
Jaringan &
SDI

FINANCIAL
3 KC
5 KCP
47 KLS

Penempatan
SDI di KLS
Produksi KLS
sbg KPI
konven
Rekrutmen
SDI
Diklat untuk
UUS dan
konven
Riset
Pilot Project
KMS

JARINGAN
& OPS

STRATEGI

2015

Penguatan
Teknologi
& SDI

FINANCIAL
5 KC
8 KCP
55 KLS

Memperkuat
jaringan
internal
Penguatan
kemitraan dg
LKMS
Penguatan
kompetensi SDI
Penguatan
empaty SDI
Penanaman
budaya kerja
(FASTER)

JARINGAN
& OPS

STRATEGI

2016

Persiapan
Spin Off
2017

FINANCIAL
6 KC
12 KCP
60 KLS

Membangun
infrastruktur
Pemberdayaa
n UMK
Inovasi
produk
Link IT antara
UUS, LKMS
dan UMK
Pemasaran
masif produk
UMK

JARINGAN
& OPS

STRATEGI

7 KC
16 KCP
60 KLS

Penyiapan
SDM
Kajian
kelembagaan
(saham)
Kajian sinergi
produk,
layanan, IT,
Jaringan
Penyiapan
aspek hukum
pendirian PT
baru

32

Sharia PRODUCTS

33

Micro loan
Micro Loan Result
Unit
No

Unit

SEPTEMBER 2014

Branch

RR
Amount

Age
(Month)

PLAFOND

Out Standing

NPL

NOA

% ACHIEVEMENT
OS

AVG MRG

Surabaya

36.627.000

34.598.885

126

100,00%

0,00%

81,29%

77,34%

Sidoarjo

43.239.500

40.136.844

175

100,00%

0,00%

110,02%

79,03%

Madiun

21.426.000

19.956.474

101

98,80%

0,00%

59,68%

76,59%

Mojokerto

19.629.000

19.095.009

78

100,00%

0,00%

125,63%

78,94%

Kediri

14.287.000

13.951.721

91

100,00%

0,00%

91,79%

85,81%

Gresik

16.283.000

15.812.093

61

100,00%

0,00%

104,03%

78,90%

Malang

22.400.000

21.946.079

85

100,00%

0,00%

120,32%

78,49%

173.891.500

165.497.105

717

99,86%

0,00%

93,86%

79,57%

Total

34

network
Network

2009

2010

2011

2012

2013

9M14

Branch Office

39

41

41

41

41

42

Sub Branch
Office

26

44

67

81

107

145

Cash office

151

154

164

164

176

161

Sharia service
office

37

37

47

47

47

47

Payment
Point

78

88

115

138

155

158

Mobile cash

45

49

57

57

59

60

Mobile ATM

CDM

ATM

87

142

262

368

479

511

465

561

759

904

1.072

1.132

Head Office

Growth

2014

2015

2016

2017

2018

Branch
Office

Sub
Branch
Office

40

46

46

50

50

Cash
office

20

31

31

30

30

ATM

125

100

100

100

100

Total network

35

Regional market share

In Trilion Rp.
No

Description

July 2014
East Java

9M14
Bank Jatim

1.

Total Asset

450,55

42,69

9,48%

2.

Third Party Fund

350,65

35,70

10,18%

3.

Loan

372,15

26,09

7,01%

Source : Bank Indonesia

CAGR =
24.97%

36

Bank jatim among regional bank

No

Bank

Bank Jabar Banten

Asset

Loan

66.084

47.964

Third Party
Net Income
Paid Capital
Fund
After Tax

52.565

511
1

2.424

Bank Jatim

36.685

24.803

29.393

3.729

613

Bank Jateng

34.001

24.020

30.233

1.217

431

Bank DKI

32.753

19.084

24.775

2.931

517

Bank Kaltim

25.316

17.502

22.043

2.761

-566

Source: Bank Indonesia, July 2014

37

Divident yield
10.3
%

9.3
%

3.3
%

2.0

BJTM

3.6
%

BJBR

BBKP

BBTN

INDUSTRY

Bank
(30/09/2014)

BJTM
BBKP
BJBR
BBTN
BDMN
BTPN
BBNI
BMRI
BBRI
BBCA
Source: Securities

Share px

434
715
795
1170
3905
4600
5525
10075
10425
13075

Market Cap
Rp bn

6.474
6.497
7.709
12.364
37.428
26.865
103.034
235.083
257.176
322.364

PBV

PER

1.1
1
1.2
1.1
1.2
2.7
2.2
2.7
3.2
5.0

7.9
6.2
5.6
7.9
9.3
12.6
11.4
12.9
12.0
22.6

Dividend Yield

10.3%
3.6%
9.3%
3.3%
2.7%
0%
2.6%
2.3%
2.5%
0.9%
38

AWARDS & ACHIEVEMENTS

Indonesia Bank
Loyalty Award
2014
IAIR Awards
2014

INFOBANK
AWARD
2014

MRI
Best Service
Excellence
2014

39

BJTM FOREIGN INSTITUTION INVESTOR

Foreign Institution Investor Sept

2013
42,22 % from public shares

Foreign Institution Investor Sept

2014
47,56 % from public shares
Public shares 20 %
from paid capital

Domestic Investor Sept 2013

57,78 % from public shares

Domestic Investor Sept 2014

52,44 % from public shares

40

CONTACT
Investor Relation Unit (IRU)
Corporate Secretary
(031) 5310090
www.bankjatim.co.id
- Ferdian Timur S. Ext. 472
Investor Relation Manager

-Lukas Yudhi W.S Ext . 468

Junior Analis
-Frizki Putera N Ext. 469
Junior Analis

41