PitchSend

Investor Presentaiton

Correlation between NIM, CoF and Productive Assets •Cost of Fund decrease shows that Bank Jatim has low cost of funding • Net Interest Margin decrease because of lending rate has slightly decrease for market lending strategy • The result Productive Assets increase by 18,38% • Bank Jatim NIM reach above National Average NIM that 5,53% on May 2012 bankjatim bersama kami, berkembang pasti 10.00% 9.17% 9.00% 7.66% 7.95% 8.00% 6.63% 7.00% 6.00% 4.80% 5.00% 4.30% 4.10% 3.84% 4.00% 3.00% 2.00% 1.00% 0.00% Dec-09 Dec-10 Dec-11 Dec-12 NIM CoF In billion Rupiah 35 28.66 30 24.21 25 21.67 20 18.12 15 10 5 0 Dec-09 Dec-10 Dec-11 Dec-12 22

View entire presentation