lap keu bjtm q3 2014.pdf
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AGENDA
ECONOMIC OUTLOOK
FINANCIAL HIGHLIGHTS
OVERVIEW & INVESTMENT HIGHLIGHTS
STRENGHTS
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LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
LOANbillion
FUNDbillion
JIBOR
INFLASI
BI RATE
MACRO ECONOMY REVIEW
4Source: Bank Indonesia
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REGIONAL INCOME
NATIONAL
YoY
EAST JAVA
YoY
REGIONAL ECONOMIC GROWTH
EAST JAVA
Million
5Source: East Java Gov.
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No Bank Asset LoanThird Party
Fund
PaidCapital
Net IncomeBefore Tax
1 Bank Mandiri 671.941 440.195 510.278 11.667 13.411
2
BRI
623.882 461.207 496.394 6.167 16.929
3 BCA 523.310 327.151 430.209 1.541 10.958
4 BNI 378.012 243.260 292.838 9.055 6.710
5
CIMB Niaga 218.638 149.452 164.623 1.612 2.832
... ..................... ................. .................. ................ .............. .............
24 Bank Jatim 36.685 24,803 29,393 3,729 860
24 21 8
Source: Publication Data
Bank Indonesia, July 2014
14
BANK JATIM AMONG NATIONAL BANK
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Information 9M13 9M14 YoY 3Q13 2Q14 3Q14 YoY QoQ
Total Asset 35.508.757 42.694.050 20,24% 1.656.670 6.683.124 546.759 -67,00% -91,82%
Placement BI & SBI 2.152.215 4.733.978 119,96% 11.395 684.815 1.925.509 16797,84% 181,17%
Placement Other Bank 7.254.226 6.873.797 -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 5.847.444 4,88% 252.494 229.387 199.612 -20,94% -12,98%
In Million Rp.ALANCE SHEET
8
In million Rp.
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Information 9M13 9M14 YoY 3Q13 2Q14 3Q14 YoY QoQ
Interest Income 2.391.366 2.934.682 22,72% 885.663 959.683 1.044.032 17,88% 8,79%
Interest Expense (623.638) (817.274) 31,05% (224.412) (284.929) (313.973) 39,91% 10,19%
Nett Interest Income 1.767.728 2.117.408 19,78% 661.251 674.753 730.059 10,41% 8,20%
Non Interest Operational
Income
333.391 328.331 -1,52% 91.011 118.558 89.539 -1,62% -24,48%
Non Interest Operational
Expense(1.164.423) (1.416.622) 21,66% (409.029) (464.731) (538.102) 31,56% 15,79%
Nett Non Interest
Operational Income
(Expense)
(831.032) (1.088.291) 30,96% (318.018) (346.173) (448.563) 41,05% 29,58%
Operational Profit 936.696 1.029.117 9,87% 343.234 328.584 281.496 -17,99% -14,33%
Non Operational Profit 11.839 16.907 42,81% 11.278 8.425 953 -91,55% -88,69%
Pre Tax Profit 948.535 1.046.024 10,28% 355.633 337.010 282.449 -20,58% -16,19%
Taxes (267.463) (303.131) 13,34% (83.664) (105.924) (82.838) -0,99% -21,80%
Net profit681.072 742.893 9,08% 252.494 231.086 199.612 -20,94% -13,62%
In Million Rp.ROFIT LOSS
9
In million Rp.
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INTEREST INCOME (Rp Tril)
INTEREST EXPENSE (Rp Tril)
CAGR =
12,31
CAGR =
17,20
AGR =
8,35
1 1 1 1,2
1,7 1,7 2 2,1
2,7 2,8 2,9
3,3
3,9
0,40,5
0,30,4
0,60,70,7 0,7 0,7
0,80,9
0,8
1,09
0,2 0,2 0,2 0,2
0,4 0,40,5
0,5
0,9 0,9
0,7
0,8
0,99
NET PROFIT (Rp Tril)
THIRD PARTY FUND(Rp Tril)
CAGR =
17,16
5,6 6,1 7,0
9,1
12,0 13,2 13,7
14,516,2
20,122,2
26,0
35,7
2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 00 9 2 01 0 2 01 1 2 01 2 2 01 3 9 M 14
TOTAL ASSET (Rp Tril)
6,4 7,4 8,7
10,7
14,215,7
16,3 17,420,0
24,9
29,1
33,1
42,7
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14
LOAN (Rp Tril)
CAGR =
22,28
CAGR =
17,44
2,4 3,03,7 4,1
4,65,5
7,4
10,1
13,1
16,1
18,6
22,3
26,1
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14
FINANCIAL PERFORMANCE
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3,12%3,54%
2,61%
4,14%4,07%3,55%3,94%3,75%
5,58%4,97%
3,34%3,82%
4,87%
4,07%3,65%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
R
O
A
56,55%
41,66%
30,54%
36,90%38,48%
30,85%31,48%28,59%
40,57%
33,65%
18,96%19,04%
24,29%22,06%
20,13%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
R
O
E
N
I
M
9,23%
11,28%
9,10%9,39%9,34%
7,28%8,35%
7,66%9,17%
7,95%6,48%7,14%
7,72%7,03%
7,07%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
FINANCIAL RATIO
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39,97%43,23% 45,45% 45,13%
38,75%42,11%
54,04%
69,67%
80,70% 80,11%83,55% 84,98%
80,36%
69,96%73,06%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
L
D
R
13,44%
17%15,29%
18,17%
38,45%
33,39%
25,36%
21,32%19,19%
16,53%
26,56%23,72%22,54%
20,36%20,29%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
C
A
R
74,76
75,32
74,67
73,83
69,43
68,20
67,42
66,04
59,58
60,02
68,69
70,28
60,14
64,89
68,46
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14
B
O
P
O
FINANCIAL RATIO
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MULJANTO
President Commissioner
Bank Jatim is led by an experienced management team with deep knowledge on Indonesias banking sector.
Management Team
14
CHAERUL DJAELANI
Commissioner
SOEBAGYO
Independent Commissioner
WIBISONOIndependent Commissioner
HADI SUKRIANTO
President Director
DJOKO LESMONO
Director of MediumBusiness & Corporate
EKO ANTONO,
Director of Operations
RUDIE HARDIONO
Director of Compliance
TONY SUDJIARYANTO
Director of Agribusiness
& Sharia
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10.733
11.628
9.662
12.101 12.083
10.370
12.643
9.969
11.690
16.563
15.451
6.475
6.472
8.174
6.757 7.064
7.7017.622
9.970
8.2878.082
8.9238.080 8.281
4.374
6.781
8.269
8.405
8.403
6.048
8.227
10.834 11.331
1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Current Account Saving Account Time Deposit
In Billion Rp.
YoY
CurrentAcc.
22,20%
Saving Acc.17,05%
Time Dep.
34,84%
THIRD PARTY FUND
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9.773
8.248
8.980
4.241
9.563
9.460
7.708
9.969
4.324
9.130
13.821
11.959
2.385
2.485
2.648
5.421
2.538
2.624
2.662
2.675
5.644
2.560
2.742
3.491
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Current Account
G ov ernment Priv ate
152 148 153 236 158 152 149 156 242 207 241 290147 161 148 172 173 161 166 171 186 180 179 194
5.340 5.825 5.792
7.2995.992 6.294
6.905 6.769
8.2426.979 6.946
7.682
273299 331
417
381401
418 466
1.230
844 651
687
4443 49
50
52 5763 61
71
78 65
70
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
SIKLUS Hajj Saving SIMPEDA TabunganKu Barokah Saving
In Billion Rp.
Government Current Acc.YoY 19,97%
Private Current Acc.
YoY 30,51%
SIMPEDA YoY 13,48%
SIKLUS YoY 85,79%
Hajj Saving YoY 13,37%
TabunganKu YoY 47,48%
Barokah Saving YoY 15,23%
6.280
8.080 8.281
4.374
6.781
8.269 8.405 8.403
6.048
8.227
10.834
11.331
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Time Deposit
Time Deposit
YoY 34,84%
DETAILED THIRD PARTY FUND
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34,800 44,259 42,608 44,137 43,634 44,254
45,334
46,853 47,014 48,358 49,411
1,557,7121,827,201
1,941,5512,045,785 2,100,510
2,144,9122,511,507
4,126,826 4,161,2774,199,590
4,255,204
23,914
21,803
22,623
23,616
24,425
24,538
25,274
26,176
25,277
27,209
28,173
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14
Total Customer
Current Account Saving Account Time Deposit
349.35
242.49272.90
218.31277.33 273.04 278.83
212.77248.66
342.52312.70
3.81 3.54 3.33 3.99 3.22 3.29 3.03 2.42 1.99 1.92 2.10
262.60
370.59 366.05
185.21
277.61 336.98 332.50231.07
325.46
398.19 402.18
3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14
Ticket Size
Current Account Saving Account Time Deposit
THIRD PARTY FUND customer
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COMPETITIVE PRODUCTS
Android & Blackberry
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TYPE OF LOAN
CONSUMER
COMMERCIAL
SME
LOAN SEPT'14 PROPORTION
CONSUMER LOAN Sept13 Sept14Multipurpose 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%
Total 16,73% 16,26%
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10.65411.185 11.252
11.88612.395
13.120 13.32913.568
14.02614.727
15.59916.224
2.8633.580 3.798
3.239 3.0723.869
4.240 4.358 4.2284.636
5.0195.624
3.044 3.3203.490 3.432 3.338 3.442 3.506 3.601
3.8313.321
4.203 4.239
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Consumer Commercial SME In Billion Rp.
YoY
Consumer19,58%
Commercial29,04%
SME17,71%
TYPE OF LOAN
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In Billion Rp.
9.81310.232 10.247
10.73911.142
11.734 11.87812.086
12.457
13.058
13.86414.408
410 513558 653 748 850
914 941 1.025 1.0971.177
1.233
431440 446 494 505
536537 541 544 572 559
583
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Consumer Loan
Multipurpose Mortgage Others
TYPE OF LOAN
YoY
Multipurpose19,22%
Mortgage31,04%
Others7,73%
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In Billion Rp.
646
860
1.020
745616
942
1.094
1.113
1.002
616
1.075
1.286
308
706886
612
411
721
861947
635
411
824
1.157
900
1.0101.087
1.185
1.285 1.410
1.491 1.530
1.780
1.285
2.2172.259
1.010
1.004805
696
759796 794
768
810759
903 922
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M13 1H14 9M14
Commercial Loan
Standby Loan Keppres Overdraft Syndicate
YoY
Standby
Loan15,54%
Keppres22,20%
Overdraft
47,64%
Syndicate19,99%
TYPE OF LOAN
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In Billion Rp.
1.8321.908 1.903
1.7631.631
1.508
1.4321.387
1.312
1.243 1.2181.128
165191 209
234277
351397 426
513603
693747
127
121 115 104 10094 90 89 75 74 63 44
920
1.100
1.3741.330
1.330
1.489 1.587
1.588
1.930
1.401
2.2292.320
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
SME Loan
KUR Pundi Kencana Laguna Others
TYPE OF LOAN
YoY
KUR-24,71%
PundiKencana
75,34%
Laguna-50,46%
Others46,10%
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263.169 264.742 260.490 261.230 260.862257.846 254.976 257.915 256.321
256.095 262.293 260.647
4.128 5.902 7.790 6.283 4.019 6.248 7.332 7.744 6.173 5.773 8.598 9.64436.498 39.306 40.809
41.43941.554 42.097 41.971 43.553 43.441 41.411 45.951 43.986
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Total Customer
Consumer Commercial SME
40,48 42,3 43,2 45,5 47,51 50,89 51,84 52,61 54,72 56,97 59,47 62,25
693,65606,78
487,55 514,45
764,28624,03 576,5 562,76
681,96796,78
582,31 583,11
83,41 84,48 85,52 82,82 80,34 81,95 81,11 82,69 88,19 75,56 91,47 96,37
3M12 1H12 9M12 FY12 3M13 1H13 8M13 9M13 FY13 3M14 1H14 9M14
Ticket Size
Consumer Commercial SME
TYPE OF LOAN
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7.177
8.832
9.649
10.738
11.141
11.734
11.869
12.086
12.457
13.058
13.864
14.408
2009 2010 2011 2012 3M13 1H13 7M13 9M13 2013 3M14 1H14 9M14
Multiguna Loan Balance
Billion Rp. )
29,2
32,5
38,9
43,6
45,8
48,8
50,6
52,2
54,2
56,7
59,3
2009 2010 2011 2012 3M13 1H13 9M13 2013 3M14 1H14 9M14
Multiguna Ticket Size (million) Rp.
Description Details
Civil Servants (per August 2014) 426.545
Multipurpose Customer (Civil Servants) 210.682
% 49,39%
NPL 0,18 % as of Sept 30, 2014
MULTIPURPOSE LOAN
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Linkage
Program
Executing
Outstanding : Rp. 401,66
Billion
Consists of 75 members
Linkage
Program KUR
Outstanding : Rp. 2,55
Billion
Consists of 4 members
Linkage BPR
Non APEX
Outstanding : Rp. 10,06Billion
Consists of 3 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 the
implementation of JETS
Per December 2013 (monthly report)Type of
Transaction
Total Transaction
(in 1 month)
Total Amount
Between BPR 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
LINKAGE PROGRAM TO RURAL BANK JETS
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1409
2102 2136 20652346
26693190 3316 3251 3390
3658 37773892
2007 2008 2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14
*Exclude
outsourcing
No DATA Sept13 Sept14
1Board of
Commisioner3 4
2Board of Sharia
Supervisory3 3
3 Director 3 4
4 Management 1 15 11
5 Management 2 71 68
6 Management 3 142 231
7 Management 4 571 658
8Staff of
Administration1.031 1.526
9Staff Non
Administration361 343
10 Non Permanent 1.051 1.044
11 Outsource 1.225 1.696
Total 4.476 5.588
No Program 2013 DescriptionTarget
2014
1 Manajement Trainee (MT)
21 15 Pjs. Manager -
6 Waiting for placement -
2 Staff Development Program (SDP)
- SDP 4 Batch 1 68 64 definitive officials; 4 pjs -
- SDP 4 Batch 2 87 73 definitive officials; 11 pjs -
- SDP 5 Batch 1 4540 Pjs. Manager; 5 waiting for
placement-
- SDP 5 Batch 2 485 Pjs. Manager; 43 waiting for
placement-
- SDP 6 - - 108
3 Manager Development Program (MDP)
- Batch 3 39 39 Head of Sub Branch Office -
- Batch 4 423 Head of Sub Branch Office, 39
waiting for placement-
- Batch 5 - - 80
4 Executive Development Program (EDP)
EDP Batch 7 9 8 pass the program -
EDP Batch 8 - - 17
Human resources
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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 2,3Trillion, 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 ofMultipurpose Loan 3 Rp Tril or grow 25 %
Business plan 2014
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CASASeptember 2014
68,27 %
51.7%46.0% 47.7%
42.6%40.3%
43.5%46,3% 48,0% 43,1% 40,7% 43,5% 38,4%
43,3%
24.6%25.4% 28.8%
36.2%35.8%
24,1%
25,0%28,4% 35,9%
35,4%36,8%
38,4% 25,0%
23.7% 28.5% 23.5% 21.2% 23.9% 23,7%
28,7% 23,7% 21,0% 23,9% 19,7% 23,2%
31,7%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 9M14
Time deposit Saving deposit Cur rent account
Competitive funding composition
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4,48% 4,53%3,00% 2,53% 3,02% 3,18%
3,44% 3,21% 2,61% 3,16%3,54% 3,48%
4,92% 5,00%
2,75%2,39%
3,10% 3,28%3,52% 3,31%
2,58%3,26%
3,81% 3,71%
3M12 1H12 9M12 FY12 3M13 1H13 Jul-13 9M13 FY13 3M14 1H14 9M14
COF(+) Local Government (-) Local Government
Cost of fund
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SinergiAliansi,
terutamajaringan
2013PenguatanJaringan &
SDI2014
PenguatanTeknologi
& SDI2015
PersiapanSpin Off
20172016
STRATEGI
JARINGAN &
OPS
FINANCIAL
3 KC5 KCP
47 KLS
PenempatanSDI di KLS
Produksi KLSsbg KPIkonven
RekrutmenSDI
Diklat untukUUS dankonven
Riset
Pilot ProjectKMS
STRATEGI
JARINGAN
& OPS
FINANCIAL
5 KC8 KCP
55 KLS
Memperkuatjaringaninternal
Penguatan
kemitraan dgLKMS
Penguatankompetensi SDI
Penguatanempaty SDI
Penanamanbudaya kerja(FASTER)
STRATEGI
JARINGAN
& OPS
FINANCIAL
STRATEGI
JARINGAN
& OPS
FINANCIAL
6 KC12 KCP
60 KLS
Membanguninfrastruktur
Pemberdayaa
n UMKInovasi
produk
Link IT antaraUUS, LKMSdan UMK
Pemasaranmasif produkUMK
7 KC16 KCP
60 KLS
PenyiapanSDM
Kajiankelembagaan
(saham)Kajian sinergiproduk,layanan, IT,Jaringan
Penyiapanaspek hukumpendirian PTbaru
sharia
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Sharia PRODUCTS
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No Branch
Unit Unit SEPTEMBER 2014
RR NPL% ACHIEVEMENT
AmountAge
(Month)PLAFOND Out Standing NOA OS AVG MRG
1 Surabaya 7 8 36.627.000 34.598.885 126 100,00% 0,00% 81,29% 77,34%
2 Sidoarjo 6 8 43.239.500 40.136.844 175 100,00% 0,00% 110,02% 79,03%
3 Madiun 6 8 21.426.000 19.956.474 101 98,80% 0,00% 59,68% 76,59%
4 Mojokerto 5 4 19.629.000 19.095.009 78 100,00% 0,00% 125,63% 78,94%
5 Kediri 5 4 14.287.000 13.951.721 91 100,00% 0,00% 91,79% 85,81%
6 Gresik 5 4 16.283.000 15.812.093 61 100,00% 0,00% 104,03% 78,90%
7 Malang 6 4 22.400.000 21.946.079 85 100,00% 0,00% 120,32% 78,49%
Total 173.891.500 165.497.105 717 99,86% 0,00% 93,86% 79,57%
Micro Loan Result
Micro loan
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Network 2009 2010 2011 2012
2013
9M14
Head Office 1 1 1 1 1 1
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 - 4 4 6 6 6
CDM 1 1 1 1 1 1
ATM 87 142 262 368 479 511
Total network 465 561 759 904 1.072 1.132
Growth 2014 2015 2016 2017 2018
Branch
Office
3 2 2 - -
SubBranch
Office
40 46 46 5050
Cash
office20 31 31 30 30
ATM 125 100 100 100 100
network
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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
In Trilion Rp.
CAGR =
24.97
Regional market share
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No Bank Asset LoanThird Party
FundPaid Capital
Net Income
After Tax
1 Bank Jabar Banten 66.084 47.964 52.565 2.424 511
2 Bank Jatim 36.685 24.803 29.393 3.729 613
3 Bank Jateng 34.001 24.020 30.233 1.217 431
4 Bank DKI 32.753 19.084 24.775 2.931 517
5
Bank Kaltim 25.316 17.502 22.043 2.761 -566
2
2
3
1
Bank jatim among regional bank
37Source: Bank Indonesia, July 2014
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Bank
(30/09/2014)
Share px Market Cap
Rp bn
PBV PER Dividend Yield
BJTM 434 6.474 1.1 7.9 10.3%
BBKP 715 6.497 1 6.2 3.6%
BJBR 795 7.709 1.2 5.6 9.3%
BBTN 1170 12.364 1.1 7.9 3.3%
BDMN 3905 37.428 1.2 9.3 2.7%
BTPN 4600 26.865 2.7 12.6 0%BBNI 5525 103.034 2.2 11.4 2.6%
BMRI 10075 235.083 2.7 12.9 2.3%
BBRI 10425 257.176 3.2 12.0 2.5%
BBCA 13075 322.364 5.0 22.6 0.9%
10.3
%BJTM
9.3
%3.6
%3.3
%2.0
%
INDUSTRY
Source: Securities
Divident yield
BJBR BBKP BBTN
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Indonesia Bank
Loyalty Award
2014
IAIR Awards
2014
MRI
Best Service
Excellence
2014
INFOBANK
AWARD
2014
AWARDS ACHIEVEMENTS
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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 capitalDomestic Investor Sept 2014
52,44 % from public shares
Domestic Investor Sept 2013
57,78 % from public shares
BJTM FOREIGN INSTITUTION INVESTOR
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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
CONTACT