1

2

ECONOMIC OUTLOOK

FINANCIAL HIGHLIGHTS

OVERVIEW amp INVESTMENT HIGHLIGHTS

STRENGHTS

AGENDA

2

ECONOMIC OUTLOOK

FINANCIAL HIGHLIGHTS

OVERVIEW amp INVESTMENT HIGHLIGHTS

STRENGHTS

AGENDA

3

Table of Contents

Description Page

Agenda 2

Table of Contents 3

Section 1 ndash Economic Outlook 4 ndash 7

- Macro Economy Review 5

- Regional Economic Growth amp Income 6

- Bank Jatim Among National Bank 7

- Section 2 ndash Financial Highlights 8

- Balance Sheet 9

- Profit amp Loss 10

- Income amp Expense Growth 11

- Financial Performance 12

- Financial Ratio 13

- Financial Ratio 14

Section 3 ndash Overview amp Investments Highlights 15

- Management Team 16-17

- Third Party Fund 18

- Detailed Third Party Fund 19

- Third Party Fund Customer 20

- Competitive Products 21

Description Page

- Type of Loan 22 ndash 27

- Multipurpose Loan 28

- NPL Each Segment 29

- Human Resources 30

- Achievement 2014 and Business Plan 2015 31

Section 4 ndash Strenghts 32

- Competitive Funding Composition 33

- Cost of Fund 34

- Micro Loan 35

- Networks 36

- Treasury 37

- Bank Jatim Among Regional Bank 38

- Bank Jatim Growth Among National amp East Java Bank 39

- Divident Yield 40

- Awards amp Achievements 41

- BJTM Investor 42

- Sharia 43

- Contact 44

LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

LOANbillion

FUNDbillion

JIBOR

INFLASI

BI RATE

5Source Bank Indonesia

575 575 600725 750 750 750 750 775 750

430590 590

840 838732 670

453

836

638418397 413

555 594589 585

585

581

583

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

MACRO ECONOMY REVIEW

In billion Rp

3225198 3243136 3374272 3526188 3663968 3618064 3834503 3995803 4114420

2725674 2787372 2982436 3170805 3319842 3334011 3494968 3592087 3706501

FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14

640562 521 512 500 500

727

615 640 594 591 590

FY12 FY13 3M14 1H14 9M14 FY14

NATIONALYoY

EAST JAVAYoY

JAVA Regional Economic Share

6Source East Java Gov

Regional Economic Growth

Regional Growth 2013 2014

National 56 50

DKI Jakarta 61 59

Jawa Barat 63 51

Banten 71 55

Jawa Tengah 51 54

DI Yogyakarta 55 52

Jawa Timur 61 59

DKI29

Jabar23

Banten7

Jateng15

DIY1

Jatim25

No Bank Asset LoanThird Party

FundPaid

CapitalNet IncomeBefore Tax

1 BRI 778018 490410 600404 6167 30770

2 Bank MANDIRI 755867 475267 576326 11667 23375

3 BCA 541911 346962 447942 1541 19887

4 BNI 393467 262578 299021 9055 13098

5 CIMB NIAGA 227080 163519 175035 1612 3203

25 BANK JATIM 38041 25655 30270 3729 1380

25 21 8

Source Publication DataBank Indonesia December 2014 Unaudit

16

7

In billion Rp

Bank Jatim Among National Bank

9

Balance Sheet

InformationIn million Rp

3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ

Total Asset 35464167 45824569 2921 2417630 (4696004) 7826523 22373 -26666

Placement BI amp Other 8166843 14087879 7250 2734185 (5378622) 7858726 18742 -24611

Loan 22683541 26567941 1712 599205 108042 373062 -3774 24530

Third Party Fund 28204524 37973816 3464 2216704 (5433688) 7703492 24752 -24177

- Current Account 11690406 18292194 5647 1721391 (3801594) 6643195 28592 -27475

- Saving Account 8287439 9172408 1068 (1682896) 2068981 (1819408) 811 -18794

- Time Deposit 8226680 10509213 2775 2178210 (3701075) 2879704 3221 -17781

Equity 5416746 6301089 1633 (301917) 196191 257454 -18527 3123

10

Profit amp Loss

InformationIn million Rp

3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ

Interest Income 930967 1048889 1267 930967 1149261 1048889 1267 -873

Interest Expense (218372) (288980) 3233 (218372) (385730) (288980) 3233 -2508

Nett Interest Income 712595 759909 664 712595 763531 759909 664 -047

Non Interest Operational Income

120233 100133 -1672 120233 44546 100133 -1672 12478

Non Interest Operational Expense

(413788) (539013) 3026 (413788) (485848) (539013) 3026 1094

Nett Non Interest Operational Income (Expense)

(293555) (438881) 4951 (293555) (441302) (438881) 4951 -055

Operational Profit 419036 321028 -2339 419036 322229 321028 -2339 -037

Non Operational Profit 7529 37198 39404 7529 7583 37198 39404 39056

Pre Tax Profit 426565 358226 -1602 426565 329812 358226 -1602 862

Taxes (114370) (100772) -1189 (114370) (133621) (100772) -1189 -2458

Net profit 312195 257454 -1753 312195 196191 257454 -1753 3123

11

Income amp Expense Growth

InformationIn million Rp

3M14 3M15 YoY

Placement others bank 82916 82557 -043

Marketable Securities 53504 67750 2662

Fees amp Commissions 58600 58462 -024

Current Account Expense (59325) (77981) 3145

Saving Accounts Expense (33064) (39144) 1839

Deposits Expense (118135) (161899) 3705

Salaries (154599) (173433) 1218

Education amp Training (2040) (5350) 16230

Rental (26877) (30105) 1201

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

CAGR =

1196

CAGR =

1615CAGR =

826

1 1 112

17 172 21

27 28 2933

405

105

0405

0304

0607 07 07 07

0809

08

114

02902 02 02

02

04 0405 05

09 09

0708

096

026

NET PROFIT (Rp Tril)

THIRD PARTY FUND(Rp Tril)

CAGR =

1619

56 61 7091

120132 137 145

162

201222

260

303

380

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15

TOTAL ASSET (Rp Tril)

64 74 87107

142157

163174200

249

291

331

380

458

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15

LOAN (Rp Tril)

CAGR =

2071

CAGR =

1659

24 30 37 41 46 55 74

101

131

161 186

223

262 266

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15

12

Financial Performance

312

354

261

414 407

355

394375

558497

334

382

487

407

365352

338

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

R

O

A

5655

4166

3054

36903848

30853148

2859

4057

3365

18961904

24292206

20131898

1761

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

R

O

E

N

I

M

923

1128

910 939 934

728

835766

917

795

648714

772703 707 690 690

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

Financial Ratio

13

39974323

4545 4513

38754211

5404

6967

8070 80118355 8498

8036

69967306

8654

6996

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

L

D

R

1344

171529

1817

3845

3339

2536

2132

1919

1653

2656

23722254

2036 20292217 2287

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

C

A

R

7476 7532 7467 7383

6943 6820 6742 6604

5958 6002

6869 7028

6014

64896846 6963

7206

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15

B

O

P

O

14

Financial Ratio

MULJANTOPresident Commissioner

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

16

CHAERUL DJAELANICommissioner

SOEBAGYOIndependent Commissioner

WIBISONO Independent Commissioner

Change of Commissioner Board

HERU SANTOSO )President Commissioner(Independent)

Experienced for 31 years in Bank Indonesia

AKHMAD SUKARDI )Commissioner

Experienced as East Java Province Secretary

HADI SUKRIANTO )Commissioner

Experienced for 32 years in Bank Jatim

WIBISONOIndependent Commissioner

Experienced for 28 years in Bank Indonesia

SOEBAGYOIndependent Commissioner

Experienced for 36 years as Airlangga University Lecturer

) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year

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

17

HADI SUKRIANTOPresident Director

DJOKO LESMONODirector of Medium Business amp Corporate

EKO ANTONODirector of Compliance

TONY SUDJIARYANTODirector of Agribusiness amp Sharia

RUDIE HARDIONODirector of Operations

Change of Director Board

R SOEROSO )President Director

Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods

SUrsquoUDI )Director of Medium Business amp Corporate

Experienced for 36 years in Bank Jatim

EKO ANTONODirector of Compliance

Experienced for 32 years in Bank Jatim

RUDIE HARDIONODirector of Operations

Experienced for 32 years in Bank Jatim

TONY SUDJIARYANTODirector of Agribusiness amp Sharia

Experienced for 27 years in Bank Jatim

) Effective upon the approval of OJK after the AGM 2014 fiscal year closing with a lenght of service until the conclusion of the AGM of the 3rd from the date of the AGM 2014 fiscal year

10733

11628

9662

12101 12083

12643

9969

11257 11690

16563

15451

11649

18292

6475 6472

8174

6757 7064

7622

9970

8642 8287 8082

8923

10991

9172 8080 8281

4374

6781

8269 8403

6048

7627

8227

10834 11331

7630

10509

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

Current Account Saving Account Time Deposit

In Billion Rp

18

Current AccountYoY 5647

Saving AccountYoY 1068

Time DepositYoY 2775

Third Party Fund

4241

9563

9460

9969

4324

8573 9130

13821

11959

7220

14710 5421

2538 2624 2675

5644 2685 2560

2742 3491

4429

3582

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

Current Account

Government Private

236 158 152 156 242 212 207 241 290 657 418

172 173 161 171 186 176 180 179 194 208

218

7299

5992 6294 6769

8242

7223 6979 6946

7682

9239

7705

417

381 401

466

1230

951 844

651

687

795

748

50

52 57

61

71

79 78

65

70

93

83

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

SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving

In Billion Rp

Government Current

Acc

YoY 6112

Private Current Acc

YoY 3991

YoY

SIMPEDA 1041

SIKLUS 10219

Hajj Saving 2118

TabunganKu (1134)

Barokah Saving 554

4374

6781

8269 8403

6048

7627 8227

10834 11331

7630

10509

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

Time Deposit

Time Deposit

YoY 2775

19

Detailed Third Party Fund

44137

43634

44254 45334 46853 47014

48358

49411 50134 50927

2045785 2100510

2144912

2511507

4126826

4161277 4199590 4255204 4333820

4403899

23616

24425

24538 25274 26176 25277 27209 28173 29194 30728

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

Total Customer

Current Account Saving Account Time Deposit

21831

27733 27304 27883

21277 24866

34252 31270

23236

35918

399 322 329 303 242 199 192 210 254 208

18521

27761

33698 33250

23107

32546

39819 40218

26134

34200

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

Ticket Size

Current Account Saving Account Time Deposit

20

Third Party Fund Customer

21

Competitive Product

delivery e-channel transaction 130854 transaction

Individual transaction 117769 transaction

Corporate transaction 13085 transaction

CONSUMER

COMMERCIAL

SME

CONSUMER LOAN Marrsquo14 Marrsquo15

Multipurpose 5757 5703

Mortgage 483 504

Others 252 215

Total 6493 6423

COMMERCIAL LOAN Marrsquo14 Marrsquo15

Standby Loan 382 306

Keppres 167 169

Overdraft 1136 969

Syndicate 358 459

Total 2044 1902

Small Medium Ent Marrsquo14 Marrsquo15

KUR 548 336

Pundi Kencana 266 358

Jatim Mikro 010 130

Others 641 851

Total 1464 1675

22

Loan Proportion

11886

12395

13120

13568

14026

14465 14727

15599

16224

16711 17064

3239 3072

3869

4358 4228 3832

4636 5019

5624

5180 5054

3432 3338 3442 3601 3831 3850

3321

4203 4239 4304 4450

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

Consumer Commercial SME In Billion Rp

YoY

Consumer1587

Commercial 903

SME3400

23

Type Of Loan

In Billion Rp

10739

11142

11734

12086

12457

12825 13058

13864

14408

14849 15152

653 748

850 941 1025 1087 1097 1177 1233 1299 1340

494 505 536 541 544

553

572 559 583 563 572

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

Consumer Loan

Multipurpose Mortgage Others

YoY

Multipurpose

1603

Mortgage2217

Others007

24

Type Of Loan

In Billion Rp

745

616

942

1113 1002

809

616

1075

1286

1013

812

612

411

721

947

635

320

411

824

1157

687

449

1185

1285 1410

1530

1780 1854

1285

2217

2259 2308

2575

696

759

796 768

810 849

759

903

922

1171 1218

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

Commercial Loan

Standby Loan Keppres Overdraft Syndicate

YoY

Standby Loan(632)

Keppres1878

Overdraft

(011)

Syndicate

4985

25

Type Of Loan

In Billion Rp

1763

1631

1508

1387

1312 1257

1243

1218

1128

1058

893

234

277

351

426

513 562

603

693 747

796

950

5 22

78

165

264

345

1434 1430

1583

1677

2005 2026

1453

2214

2199 2186

2262

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

SME Loan

KUR Pundi Kencana Mikro Others

YoY

KUR-2810

Pundi Kencana

5756

Mikro145355

Others5564

26

Type Of Loan

263169 264742 260490 261230 260862 257846

257915

256321 256095

262293 260647 259658 261730

4128 5902 7790 6283 4019 6248 7744 6173 5773 8598 9644 8730 7194

36498 39306 40809 41439

41554 42097 43553 43441 41411 45951 43986 42749 43281

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

Total Customer

Consumer Commercial SME

4048 423 432 455 4751 5089 5261 5472 5697 5947 6225 6436 652

69365

60678

48755 51445

76428

6240356276

68196

79678

58231 58311 5933

7026

8341 8448 8552 8282 8034 8195 8269 8819 7556 9147 9637 10069 1028

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

Ticket Size

Consumer Commercial SME

27

Type Of Loan

7177

88329649

10738 11141 11734 11869 12086 12457

1305813864

14408 14849 15152

2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14 FY14 3M15

Multiguna Loan Balance

( Billion Rp )

292 325

389

436 458

488 506

522 542

567 593

612 619

2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

Multiguna Ticket Size (million) Rp

Description Details

Civil Servants (per August 2014) 426545

Multipurpose Customer (Civil Servants) 244711

5737

NPL 021 as of March 2015

28

Multipurpose Loan

29

NPL Each Segment

3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

Consumer Loan 036 039 047 013 045 056 053 060 066

SME Loan 1366 1418 1250 1245 1249 1046 1037 895 928

Commercial Loan 295 321 363 707 66 669 589 604 990

3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

NPL Gross 315 329 313 344 363 353 334 331 387

Coverage Ratio 4042 4640 5378 6918 7080 7470 7449 7143 7895

No DATA March 2014 March 2015

1 Board of Commisioner 3 4

2 Board of Sharia Supervisory 3 3

3 Director 3 5

4 Management 1 15 11

5 Management 2 71 72

6 Management 3 181 230

7 Management 4 646 666

8 Staff of Administration 1104 1769

9 Staff Non Administration 356 341

10 Non Permanent 1276 810

11 Outsource 1388 1789

Total 5046 5700

30

Human Resources

Description Target 2015

Total Asset 1638

Loan 2000

Third Party Fund 1713

Interest Income 1412

Net Profit 1880

Financial Ratio

- CAR 1910

- LDR 9475

- NPL Gross 260

- NIM 722

- BOPO 6970

- ROE 1933

- ROA 343

31

Description Des 2014

Total Asset 1511

Loan 1861

Third Party Fund 1648

Interest Income 2189

Net Profit 1623

Financial Ratio

- CAR 2165

- LDR 8654

- NPL Gross 306

- NIM 714

- BOPO 6914

- ROE 1935

- ROA 353

Achievement 2014 amp Business Plan 2015

CASAMarch 2015

7233

517460 477

426403

435463 480

431 407 435384 385

482

246254 288

362358

241

250284 359

354368

384 363242

237 285 235 212 239 237287

237 210 239 197 232 252 277

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 3M15

Time deposit Saving deposit Current account

33

Funding Composition

448 453

300253

302 318 321261

316 354 348268 301

492 500

275239

310 328 331

258

326381 371

267

345

3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15

COF (+) Local Government (-) Local Government

34

Cost Of Fund

35

Micro Loan

No Branch

Unit Unit Age March 2015

RR NPLAmount Month Plafond

In thousand

OutstandingIn thousand

NOA

1 Surabaya 7 14 58894000 51748445 218 10000 000

2 Sidoarjo 6 14 70588600 61216526 300 10000 000

3 Madiun 6 14 45545500 40095836 229 9944 056

4 Mojokerto 5 10 46579500 41787366 210 10000 000

5 Kediri 5 10 35556000 32355945 249 10000 000

6 Gresik 5 10 36695000 32771574 168 10000 000

7 Malang 7 10 60600000 56355628 264 10000 000

8 Jember 4 5 15415000 14936535 64 10000 000

9 Banyuwangi 5 2 4197000 4181295 25 10000 000

10 Tulungagung 4 2 3065000 3032481 15 10000 000

11 Ponorogo 4 2 3912000 3903084 23 10000 000

12 Blitar 2 2 2465000 2456200 14 10000 000

Total 60 383512600 344840915 1779 9993 007

Network 2009 2010 2011 2012 2013 2014 3M15NETWORK

2015

Head Office 1 1 1 1 1 1 1

Branch Office 39 41 41 41 41 43 433 (sharia)

Sub Branch Office 26 44 67 81 107 153 165

27

(8 sharia +

19 conventional

Cash office 151 154 164 164 176 165 15835 cash office

Sharia service office 37 37 47 47 47 97 97

Payment Point 78 88 115 138 155 167 16721 payment point

Mobile cash 45 49 57 57 59 62 6517 mobile cash

Mobile ATM - 4 4 6 6 6 6

CDM 1 1 1 1 1 2 2

ATM 87 142 262 368 479 595 596109 ATM

Total network 465 561 759 904 1072 1291 1300

36

Network

37

ASET Nominal (Rp juta)

BI Placement 26242

Placement Other Bank 4170853

Repo 19846

Reverse Repo 99232

Liability

Liability with BI -

Liability with other Bank 417085

Interest Income Nominal (Rp juta)

From Bank Indonesia 2183

From Placement Other

Bank

a Interbank Call Money 222845

a Time Deposit 208581

Marketable Securities buying and selling transaction planning 2015aTrading portfolio ( for nation marketable securities including maintain statutory reserve) at +Rp 226 MilyarbAFS portfolio (for nation marketable securities including maintain statutory reserve) at + Rp 15 Triliun cHTM portfolio (include reksadana) at +Rp 28 TriliunIncome forecast from Marketable Securities at least + Rp 313 Milyar

Money Market

Placement

Borrowing

Transaction with BI

Capital Market amp Fixed Income

Buying Marketable Securities

Selling Marketable Securities

Foreign Exchange

Buying Foreign

Currencies

Selling Foreign

Currencies

Treasury Marketing amp

Sales

Customer Transaction

Treasury Dealing Room

No Bank Asset LoanThird Party

FundPaid Capital

Net IncomeAfter Tax

1 Bank JABAR BANTEN 70157 49254 52992 2424 1115

2 Bank JATIM 38041 25655 30270 3729 958

3 Bank DKI 37168 21952 27031 2931 658

4 Bank JATENG 35743 25392 29406 1573 774

5 Bank KALTIM 29315 17035 22770 2815 553

38

22 2

Source Bank Indonesia December 2014 Unaudit

1

Bank Jatim Among Regional Bank

39Source Data December 2013 and December 2014 Bank Indonesia amp KEKR Prov Jatim

Bank Jatim Growth Among National amp East Java Bank

Information National East Java Bank Jatim

Total Asset 1334 1295 1498

Third Party Fund1229 1493 1648

- Current Account505 1520 1685

- Saving Account592 723 1025

- Time Deposit2093 2219 2614

Credit 1165 1325 1861

- Productive 1161 1346 2378

- Consumptive 1151 1266 1648

Bank(30012015)

Price MarketCap

Rp bn

EPSGrowth

PBV PER DividendYield

BBCA 14825 365511 122 39 197 11

BBRI 13275 327483 128 29 121 23

BMRI 12475 297083 124 25 126 22

BBNI 7225 134737 135 21 111 25

BDMN 5125 49121 287 14 129 27

BTPN 4220 24646 142 17 95 16

BBTN 1225 13262 137 10 94 35

BJBR 1000 9696 252 13 75 85

BBKP 710 6452 129 12 53 38

BJTM 550 8205 142 08 70 90

90

BJTM

85 35

38

20

INDUSTRY

Source Securities (31 March 2015)

BJBR BBTN BBKP

40

Dividen Yield

MRI

Best Service

Excellence

2014

INFOBANK

AWARD

2014

41

Indonesia

Bank Loyalty

Award 2014

PLATINUM

AWARD

2014

Awards amp Achievements

IAIR Award

2014 APBI

2014

Foreign Institution Investor

March 2014

4603 from public shares

Foreign Institution Investor

March 2015

6290 from public sharesPublic shares 20

from paid capital Domestic Investor March 2015

3710 from public shares

Domestic Investor March 2014

5397 from public shares

42

No Country Share

1 INDONESIA 37101

2 NORWEGIA 13459

3 AMERIKA 11379

4 SIPRUS 11584

5 FINLANDIA 6057

6 VIRGIN ISLAND 5180

7 IRLANDIA 4448

8 LUKSEMBURG 4156

9 JEPANG 1544

10 SINGAPURA 0781

11 INGGRIS 1322

12 AUSTRALIA 1041

13 MALAYSIA 0002

14 KANADA 0545

No Country Share

15 JERMAN 0499

16 CINA 0359

17 SWITSERLAND 0296

18 CAYMAN ISLAND 0136

19 SWEDIA 0047

20 HONGKONG 0006

21 GUYANA 0020

22 BELANDA 0015

23 SELANDIA BARU 0006

24 KOREA SELATAN 0009

25 FILIPINA 0002

26 BELGIA 0006

27 MALADEWA 0001

Total 100

BJTM INVESTOR

Synergy Alliance network

2013Network

Strenghten amp SDI

2014Technology Strenghten

amp SDI2015

bullPrepare Spin Off

bull20172016

STRATEGY

NETWORK amp

OPS

FINANCIAL

bull3 KC

bull5 KCP

bull47 KLS

bullPlacement SDI in KLS

bullProduction KLS as KPI konven

bullRecruit SDI

bullEducation for UUS and konven

bullResearch

bullPilot Project KMS

STRATEGY

NETWORK

amp OPS

FINANCIAL

bull5 KC

bull8 KCP

bull55 KLS

bullStrenghten Internal Network

bullStrenghten partnership with LKMS

bullStrenghten SDI competence

bullStrenghten SDI emphaty

bullWorking Culture (FASTER)

STRATEGY

NETWORK

amp OPS

FINANCIAL

STRATEGY

NETWORK

amp OPS

FINANCIAL

bull3 KC

bull8 KCP

bull35 KLS

bullBuild Infrastructure

bullUMK Empowerment

bullProduct Innovation

bullLink IT and UUS LKMS and UMK

bullMassice marketing UMK Product

bull7 KC

bull16 KCP

bull60 KLS

bullPrepare SDMbullStructure examine (stock)

bullProduct synergy service IT network

bullLaw preparation new structure

43

Sharia

Investor Relation Unit (IRU)

Corporate Secretary

(031) 5310090

wwwbankjatimcoid

- Ferdian Timur S ndash Ext 475

Investor Relation Manager

- Abdulah Basid ndash Ext 472

Analis

-Lukas Yudhi WS ndash Ext 468

Junior Analis

-Frizki Putera N ndash Ext 469

Junior Analis

CONTACT