20250915_BJTM_Public Expose_31949974_lamp1.pdf

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b. Pertanyaan:

Tanggapan perusahaan mengenai transfer daerah yang akan dipotong tahun 2026?
Apa dampaknya ke DPK Bank Jatim?

Jawaban:

Komponen Transfer Keuangan Daerah berkontribusi sebesar t6096 terhadap total
keuangan daerah. Dimana keuangan tersebut dikelola oleh Perseroan. Adanya
penurunan alokasi dari Pemerintah Daerah tentu dapat mempengaruhi likuiditas
Perseroan. Namun, secara komposisi anggaran Pemerintah terhadap total DPK
Perseroan sejumlah 26.896 per Juni, dimana pengelolaan DPK Perseroan secara
berkesinambungan lebih menyasar pada masyarakat melalui beberapa langkah :

- Membentuk ekosistem keuangan dengan memanfaatkan captive market system
keuangan Pemerintah Daerah dan trickledown/ support system dibawahnya
seperti BUMD, BLUD, Rekanan Pemerintah, Universitas, RSUD dll:

- Ekosistem keuangan daerah tersebut berbasis digital dengan tujuan untuk
menjaga sektor hulu dan hilir atas system keuangan tersebut:

- Dengan pembentukan ekosistem melalui digital tersebut maka akan
meningkatkan user dan volume transaksi e channel Perseroan sehingga akan
meningkatkan utilisasi produk DPK dan brand digital Perseroan dan berimbas
pada peningkatan market share Perseroan,

- Selanjutnya, Perseroan akan secara massive melakukan cross selling atas produk
lainnya sesuai dengan kebutuhan nasabah

c. Pertanyaan:
Mohon update rencana KUB dengan BPD lainnya seperti hingga saat ini? Apakah ada
BPD baru yang join?

Jawaban:

Sesuai dengan penjelasan kami, terdapat 5 BPD yang bergabung dengan Bank Jatim,
dimana 1 bank sudah menjadi anggota BPD kami dan sisanya masih dalam proses
finalisasi.

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d. Pertanyaan:

1. Apa yang telah BJTM lakukan yang belum dilakukan oleh para pesaing?
2. Siapa pesaing BJTM yang paling kompetitif ?
3. Apa rencana BJTM 5 tahun kedepan?

Jawaban:

1. BJTM memiliki keunggulan pada penguasaan wilayah regional dan sektor
keuangannya yang relative tidak dimiliki oleh industry perbankan pada umumnya

2. Mengingat Jawa Timur adalah basis ketiga keuangan terbesar di Indonesia, maka
semua pelaku industry keuangan menjadi competitor kami

3. Kami akan mewujudkan visi kami menjadi BPD No. 1 di Indonesia dengan
implementasi rencana strategis kami

e. Pertanyaan:
Apakah BJTM akan membagikan dividen tahun buku 2025?

Jawaban:

Penentuan deviden merupakan domain Pemegang Saham yang akan diputuskan
dalam RUPS. Namun secara trend kami terus membagikan deviden secara
berkesinambungan setiap tahunnya. Perseroan memiliki kebijakan untuk rasio
pembayaran deviden dilevel 5096-5596 dari laba bersih setiap tahunnya.

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RESULTS OF PUBLIC EXPOSE LIVE 2025
PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk

IMPLEMENTATION OF EVENT

In compliance with the provisions of point V.1. of Securities Listing Regulation Number
I-E dated September 30, 2022, concerning the Obligation to Submit Information, we
hereby convey that PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM) has conducted
its 2025 Annual Public Expose on:

Day/Date : Thursday/ September 11" 2025

Time 1 09.00 - Selesai

Place 1 Public Expose Live 2025 on the idx.co.id website
ATTENDE

a. Management
1. Medium Business, Corporate & Network Director
2. Compliance Director

b. Public
(list of attendees as attached)

SCHEDULE

a. Presentantion of Corporate Performance by Medium Business, Corporate & Network
Director and Compliance Director

b. Discussion

SUMMARY OF OUESTIONS AND ANSWERS

a. Ouestions :
Does Bank Jatim plan to reduce the Cost of Funds to keep margins competitive? and Is
there a similar work plan with fintech or e-commerce to expand the customer base?

Answers:

The reduction in the benchmark interest rate is expected to trigger the financial
industry to adjust its pricing policies. At Bank Jatim, the first impact will be on the cost
of funds and is expected to influence its base lending rate strategy. The average
reduction in the BI Rate on the cost of funds is in the range of 10-25 bps. Furthermore,
the company will adjust its lending rates, particularly for sensitive segments such as
the consumer segment.

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b. Ouestions :

What is the company's response to regional transfers being cut in 2026? What is the
impact on Bank Jatim's DPK?

Answers:

The Regional Financial Transfer component contributes t6096 to total regional
finances. Where the finances are managed by the Company. The decrease in
allocations from the Regional Government could certainly affect the Company's
liguidity. However, the composition of the Government budget to the Company's total
Third Party Funds (DPK) was 26.896 as of June. The Company's ongoing DPK
management focuses more on community outreach through several steps:

-  Forming a financial ecosystem by utilizing the Regional Government's financial
Captive market system and trickledown/support systems below it such as BUMD,
BLUD, Government Partners, Universities, Regional General Hospitals, etc.:

- The regional financial ecosystem is digital-based with the aim of maintaining the
Upstream and downstream sectors of the financial system:

- By establishing an ecosystem through digital, it will increase the number of users
and transaction volume of the Company's e-channels, thereby increasing the
utilization of the Company's DPK products and digital brands and impacting on
increasing the Company's market share :

-  Furthermore, the Company will massively carry out cross-selling of other products
according to customer needs.

c. Ouestion:
Please update the KUB plan with other BPD as of now? Are there any new BPD joining?

Answers:

According to our explanation, there are 5 BPDs that have joined Bank Jatim, where 1
bank has become a member of our BPD and the rest are still in the finalization process.

d. Ouestion:
1. What unigue strategies has BJTM pursued that competitors have yet to
implement?
2. Which institution can be considered BJTM strongest rival?
3. What are BJTM plans for the next five years ?

Answers:

1. BJTM holds a competitive advantage in its strong regional presence and financial
sector focus, which are relatively uncommon among the broader banking industry

2. As East Java represents the third-largest financial base in Indonesia, all participants
in the financial industry are regarded as our competitors

3. We will realize our vision of becoming the No. 1 Regional Development Bank in
Indonesia through the implementation of our strategic plan

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e. Ouestion:

Will BJTM distribute dividends for the 2025 fiscal year?

Answers:

The determination of dividends is the domain of the Shareholders and will be decided
at the General Meeting of Shareholders (GMS). However, as a trend, we have
consistently distributed dividends every year. The Company has a policy of
maintaining a dividend payout ratio at the level of 5096-5596 of annual net profit.

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DOKUMENTASI PELAKSANAAN PUBLIC EXPOSE LIVE 2025
PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk

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