20260910_BJTM_Public Expose_32147023_lamp2.pdf

b.

c.

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Sejauhmana penurunan TKD berpengaruh pada likuiditas Bank Jatim dan bagaimana
cara mengantisipasinya ?

Jawaban:

Penurunan TKD relatif berpengaruh pada likuiditas Bank Jatim dan BPD pada
umumnya mengingat BPD memiliki keterkaitan dengan dana Pemerintah Daerah
sebagai salah satu sumber likuiditas. Adapun porsi penurunan TKD yang dikelola oleh
Bank Jatim Per Juli sebesar 19,3596 YoY. Manajemen sebagaimana yang telah
dijelaskan dalam paparan juga telah memberikan atensi dengan memasukkan
concern Likuiditas dalam strategi di tahun 2026. Terkait dengan antisipasi :

e Manajemen fokus pada optimalisasi pengelolaan likuiditas melalui penetrasi
pengelolaan dana murah masyarakat melalui optimalisasi J Connect dan
menggeser layanan menuju transactional banking:

e Melakukan ekspansi untuk pengelolaan dana dari korporasi, termasuk
implementasi layanan lainnya untuk memperkuat likuiditas apabila diperkuat
seperti pengajuan fasilitas antar bank:

e# Dalam hal kondisi market memungkinkan, akan dilakukan penerbitan kembali
obligasi untuk mendukung likuiditas.

Pertanyaan :
Apakah perseroan melakukan merger dengan bank/lembaga keuangan yang lain ?

Jawaban:

Sebagai telah disampaikan sebelumnya, Bank Jatim diakhir tahun 2025 telah menjadi
induk dari 5 Bank Pembangunan Daerah melalui pola Kelompok Usaha Bank. Saat ini
kami terus mengembangkan sinergi dalam bisnis dengan masing2 untuk
menghasilkan return yang maksimal melalui pendekatan Business To Business sebagai
salah satu pilar mewujudkan visi Bank Jatim.

. Pertanyaan:

Terlihat BITM mengalami penurunan pada DPK dari tahun sebelumnya. bagaimana
strategi perseroan untuk meningkatkan DPK ini pada sisa tahun buku 2026?

Jawaban :
Penurunan DPK tahun ini dipengaruhi oleh banyak faktor. Secara industri, issue DPK
juga dialami oleh mayoritas industri perbankan yang mengakibatkan ketatnya
likuiditas di market. Beberapa strategi yang kami lakukan untuk menutup tahun 2026
ini antara lain :

e Manajemen fokus pada optimalisasi pengelolaan likuiditas melalui penetrasi
pengelolaan dana murah masyarakat melalui optimalisasi J Connect dan
menggeser layanan menuju transactional banking:

bankjatim t

e Melakukan ekspansi untuk pengelolaan dana dari korporasi, termasuk
implementasi layanan lainnya untuk memperkuat likuiditas apabila diperkuat
seperti pengajuan fasilitas antar bank:

e Dalam hal kondisi market memungkinkan, akan dilakukan penerbitan kembali
obligasi untuk mendukung likuiditas.

e. Pertanyaan:
Terkait rencana pemindahan payroll ASN ke Himbara, bank udah dapat informasi soal
ini belum Pak? Tanggapannya seperti apa? Apakah bisa tekan likuiditas bank? Adapun
per Juli 2026, berapa jumlah rekening payroll ASN di bank? Total dananya?
Pertumbuhan dibanding tahun lalu berapa ?

Jawaban :

Payroll ASN merupakan salah satu sumber DPK dan likuiditas bagi Bank Pembangunan
Daerah di Indonesia. Sehubungan dengan hal tersebut, telah dikonfirmasi oleh
Kementerian yang membidangi secara jelas. Selanjutnya, untuk jumlah rekening
payroll yang dikelola oleh Bank Jatim adalah sebesar 419,053 atau mayoritas payroll
ASN di Jawa Timur dikelola oleh Bank Jatim yang terus tumbuh seiring penambahan
jumlah formasi ASN, ditahun ini tumbuh 4,7290YOY.

a.

bankjatim t

RESULTS OF PUBLIC EXPOSE LIVE 2026
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 December 12, 2025, concerning the Obligation to Submit Information, we
hereby convey that PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM) has conducted
its 2026 Annual Public Expose on:

Day/Date : Wednesday/ September 9'" 2026

Time » 11.00 - Selesai

Place 1 Public Expose Live 2026 on the idx.co.id website
ATTENDE

a. Management
1. President Director
2. Director of Finance & Treasury
3. Director of Retail & Sharia
b. Public
(list of attendees as attached)

SCHEDULE
a. The event will be opened by the Host/Moderator, followed by presentations delivered
by the President Director, Director of Finance & Treasury, and Director of Retail & Sharia.
b. Discussion

. SUMMARY OF OUESTIONS AND ANSWERS

a. Ouestions :
Regarding the consumer segment, is there any data on the number of civil servants
(ASN) who have become Bank Jatim customers?

Answers:
Customers in the consumer segment are predominantly civil servants (ASN) and their
affiliates, which represent Bank Jatim captive market. As of July 2026, the composition
isas follows, based on the total number of customers:

e  ASN/Civil Servants: 49.3396

e P3K/Contract-Based Government Employees: 20.1496

e Contract Employees: 2.5096

e Village Officials: 8.5096

e Pensioners: 10.916

e Others (Employees): 8.6196

bankjatim t

The percentage of ASN who have become Bank Jatim customers, or the estimated
market share, is 4596.

b. Ouestions :

c.

To what extent does the decline in Regional Government Fund Transfers (TKD) affect
Bank Jatim liguidity, and how does the Bank anticipate this condition?

Answers:

The decline in TKD has a relatively significantimpact on the liguidity of Bank Jatim and
Regional Development Banks (BPDs) in general, considering that BPDs have a strong
linkage with Regional Government funds as one of their sources of liguidity.

As of July 2026, the portion of TKD managed by Bank Jatim decreased by 19.3596 YoY.
As explained in our presentation, Management has also given particular attention to
liguidity by incorporating liguidity as one of the key concerns in the Bank's 2026
strategy. To anticipate this condition, we are implementing several strategies:

e  Optimizing liguidity management by increasing the penetration of low-cost
public funds through the optimization of J Connect and shifting our services
toward transactional banking:

e Expanding corporate funding management, including the implementation of
additional services to strengthen liguidity, as well as exploring interbank
funding facilities where appropriate:

e Reissuing bonds, subject to favorable market conditions, to support the Bank's
liguidity position.

Ouestion :
Is the Company planning to merge with other banks or financial institutions?

Answers:

As previously communicated, at the end of 2025, Bank Jatim became the holding
company of five Regional Development Banks (BPDs) through the Bank Business Group
(Kelompok Usaha Bank/KUB) structure. Currently, we continue to strengthen business
synergies with each member of the group to maximize returns through a Business-to-
Business (B2B) approach. This is one of the key pillars in realizing Bank Jatim vision.

. Ouestion:

Itappears that BJTM Third-Party Funds (DPK) have declined compared to the previous
year. What strategies will the Company implement to increase DPK during the
remainder of the 2026 financial year?

bankjatim t

The decline in TKD has arelatively significant impact on the liguidity of Bank Jatim and
Regional Development Banks (BPDs) in general, considering that BPDs have a strong
linkage with Regional Government funds as one of their sources of liguidity.

As of July 2026, the portion of TKD managed by Bank Jatim decreased by 19.3596 YoY.
As explained in our presentation, Management has also given particular attention to
liguidity by incorporating liguidity as one of the key concerns in the Bank's 2026
strategy. To anticipate this condition, we are implementing several strategies:

e Optimizing liguidity management by increasing the penetration of low-cost
public funds through the optimization of J Connect and shifting our services
toward transactional banking:

e Expanding corporate funding management, including the implementation of
additional services to strengthen liguidity, as well as exploring interbank
funding facilities where appropriate:

e Reissuing bonds, subject to favorable market conditions, to support the Bank's
liguidity position.

. Ouestion:

Regarding the plan to transfer ASN payroll accounts to Himbara banks, has the Bank
received any information regarding this plan? What is the Bank response? Could this
potentially put pressure on the Bank liguidity? As of July 2026, how many ASN payroll
accounts does the Bank manage, what is the total amount of funds, and how does it
compare with the previous year?

Answers:

ASN payroll is one of the sources of DPK and liguidity for Regional Development Banks
(BPDs) in Indonesia. In this regard, the matter has been clearly confirmed by the
relevant Ministry. Currently, Bank Jatim manages 419,053 ASN payroll accounts,
meaning that the majority of ASN payroll accounts in East Java are managed by Bank
Jatim. The number of payroll accounts continues to grow in line with the increase in
ASN formations, with 4.7296 YoY growth recorded this year.

bankjatim, 7

DOKUMENTASI PELAKSANAAN PUBLIC EXPOSE LIVE 2026
PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk

PUBLIC
EXP: SE
LIVE 2026

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Eee Om “an LIVE 2026

PUBLIC
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