PT. Bank Pembangunan Daerah Jawa Timur, Tbk. Copyright IRU PT Bank Jatim, Tbk 1
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1 COMPANY PERFORMANCE JULY 2013 PT. Bank Pembangunan Daerah Jawa Timur, Tbk Copyright IRU PT Bank Jatim, Tbk 1
2 TABLE OF CONTENTS Description Page Cover 1 Table of Contents 2 Agenda 3 Section 1 Economic Outlook 4 - Macro Economic Outlook 5 - East Java at Glace 6-8 Section 2 Financial Update 9 - Balance Sheet Profit & Loss Highlights of Financial Ratio 14 Section 3 Prospect of Banking Industry 15 - National Banking Sector Performance 16 - Bank Jatim Position of East Java Market Share Section 4 Overview & Investment Highlights - Third Party Fund 19 - Third Party Fund Composition 20 - Third Party Fund Customer & Ticket Size Description Page - Loan Composition Loan Total Customers & Ticket Size 27 - Loan Interest Rate 28 - Exclusive of Multipurpose Loan 29 - SME Strategy 30 - Top 10 Loan by Industry Concentration 31 - Recovery 32 - Strategy Reducing NPL 33 - Human Resources 34 - Information Technology Company Transformation 37 Section 5 Strenghts 38 - Wide Network of Service Points New Product 2013 & BPR Linkage program 42 - Jatim Electronic Transfer System (JETS) 43 - Awards & Achievements 44 - Contact Person 45 - CASA Ratio per March Product Plan & New Activities Cost of Fund 24 Copyright IRU PT Bank Jatim, Tbk 2
3 AGENDA 1 Economic Outlook 2 Financial Highlights 3 Prospect of Banking Industry 4 Overview & Investments Highlights 5 Strenghts Copyright IRU PT Bank Jatim, Tbk 3
4 SECTION 1 ECONOMIC OUTLOOK Copyright IRU PT Bank Jatim, Tbk 4
5 MACRO ECONOMY OUTLOOK Economic Forecast F 2014F GDP Growth (%) 6,23 6,04 6,44 GDP per Capita (US$) Inflation (%) 4,30 8,20 4,50 BI Rate (%) 5,75 6,25 5,75 Current Account/GDP (%) - 2,70-2,10-1,90 Source: Bank Indonesia ( Copyright IRU PT Bank Jatim, Tbk 5
6 4,70% - Transportation & Communication 2,08% - Pertambangan & Galian EAST JAVA AT GLANCE ECONOMY STRUCTURE NO DESCRIPTION % 1. Agriculture 15,42 2. Mining & Quarrying 2,08 3. Processing Industry 27,11 4. Electricity, Gas, & Clean Water 1,35 5. Construction 4,55 6. PHR 30,40 7. Transportation & Communication 4,70 8. Finance, Rent & Company Service 5,05 9. Services 8,35 PDRB 100,0 Source: BPS Jatim, BRS February 2013 Economy Structure dominated by Secondary sector (PHR & Processing Industry), Supported by Primary Sector (Agriculture) absorb 75 % employee and ILOR : 0,02 0,04. East Java Become Industry & Service Agro Based Province 5,05% - Finance, Rent, Company 30,40% PHR 8,35% - Services 15,42% Agriculture 27,11% IP Pertanian Pertambangan Dan Penggalian Industri Pengolahan Listrik, Gas dan Air Bersih Konstruksi Perdagangan, Hotel & Restoran Pengangkutan Dan Komunikasi Keuangan, Persewaan & Js Persh Jasa - Jasa 1,35% - Electricity, Gas & Clean Water 4,55% - Construction Copyright IRU PT Bank Jatim, Tbk 6
7 EAST JAVA AT GLANCE EAST JAVA PDRB PERCENTAGE ACCORDING BY USERS 2012 * Semester I House Hold Consumption Government Consumption Inventory Changes Import Nirlaba Consumption Gross Fixed Capital Formation Export Net Ekspor 5,036 % (Rp. 50,451 T) CONSUMPTION / GOVERNMENT FUND ONLY 6,85% AND PRIVATE 93,15% Copyright IRU PT Bank Jatim, Tbk 7
8 EAST JAVA AT GLANCE SHARE EAST JAVA PDRB TO NATIONAL PDB N o Province Economic Growth Contribution to PDB DKI Jakarta 6,71 6,53 16,32 2. East Java 7,22 7,27 14,68 3. West Java 6,48 6,21 13,91 4. Central Java 6,01 6,34 8,28 5. Banten 6,43 6,15 3,19 6. DI Y 5,16 5,32 0,86 Contribution Java island PDRB in Total National PDB , ,07 14, ,16 8,27 0,85 23,77 % 9,30 % 4,74 % 2,06 % Source : BPS, Feb ,62 % 2,51% Compare to another provience, East Java deconomy growth is the highest in Java with second biggest share after DKI Jakarta. Copyright IRU PT Bank Jatim, Tbk 8
9 SECTION 2 FINANCIAL HIGHLIGHTS Copyright IRU PT Bank Jatim, Tbk 9
10 BALANCE SHEET In Million Rp. Information 1H12 1H13 YoY 2Q12 1Q13 2Q13 YoY QoQ Total Asset ,43% ,7% -63,2% Placement BI & SBI ,21% ( ) ,9% 218,8% Placement Other Bank ,77% ( ) -25,9% 151,1% Loan ,14% ,6% 555,3% Impairment Losses ( ) ( ) 9,53% (16.521) ,1% 544,9% Third Party Fund ,42% ,1% -35% - Current Account ,58% ( ) (18.350) 98,7% -100,7% - Saving Account ,09% ( ) ,9% 121,7% - Time Deposit ,34% % -38,2% Equity ,56% ( ) ,7% 156,1% Copyright IRU PT Bank Jatim, Tbk 10
11 BALANCE SHEET In Million Rp. Information July 12 July 13 YoY Total Asset ,96% Placement BI & SBI ,81% Placement Other Bank ,08% Loan ,73% Impairment Losses ,07% Third Party Fund ,13% - Current Account ,75% - Saving Account ,50% - Time Deposit ,72% Equity ,40% Copyright IRU PT Bank Jatim, Tbk 11
12 PROFIT & LOSS In Million Rp. Information 1H12 1H13 YoY 2Q12 1Q13 2Q13 YoY QoQ Interest Income ,22% , 7% 9,1% Interest Expense ( ) ( ) - 4,37% ,9% 31,9% Nett Interest Income ,41% % 1,9% Non Interest Operational Income Non Interest Operational Expense Impairment Losses Expense Nett Non Interest Operational Income (Expense) ,59% ,3% 17,8% ( ) ( ) 26,01% ,7% 9,6% ( ) ( ) 18,46% ,5% 60,1% ( ) ( ) 20,12% ,8 % 5,9% Operational Profit ,38% ,2 % -1,3% Non Operational Profit ,25% (1060) % -25,9 Pre Tax Profit ,55% ,4% -2,9% Taxes ( ) ( ) 26,07% ,5% -1,4% Nett profit ,13% ,7% -3,5% Copyright IRU PT Bank Jatim, Tbk 12
13 PROFIT & LOSS In Million Rp. Information July 12 July 13 YoY Interest Income ,60% Interest Expense ( ) ( ) - 4,17% Nett Interest Income ,56% Non Interest Operational Income ,26% Non Interest Operational Expense ( ) ( ) 19,35% Impairment Losses Expense ( ) ( ) - 1,04% Nett Non Interest Operational Income (Expense) ( ) ( ) 13,55% Operational Profit ,50% Non Operational Profit ,43% Pre Tax Profit ,20% Taxes ,29% Nett profit ,50% Copyright IRU PT Bank Jatim, Tbk 13
14 HIGHLIGHTS OF FINANCIAL RATIO ROA NIM ROE LDR CAR BOPO Ratio 2012 Jul 12 Jul 13 NPL Gross 2,95% 2,62% 3,28% 14
15 SECTION 3 PROSPECT OF BANKING INDUSTRY Copyright IRU PT Bank Jatim, Tbk 15
16 NATIONAL BANKING SECTOR PERFORMANCE Copyright IRU PT Bank Jatim, Tbk 16
17 BANK JATIM POSITION of EAST JAVA MARKET SHARE In Trillion Rp. No Description 2012 East Java 2012 Bank Jatim % Jun 2013 East Java * Jun 2013 Bank Jatim % 1. Total Asset 353,60 29,11 8,23% 379,47 33,85 8,92% 2. Third Party Fund 289,09 22,20 7,67% 293,80 27,41 9,33% - Current Account 47,67 9,66 20,26% 45,98 12,08 26,28% - Saving Account 134,22 8,17 6,08% 133,15 7,06 5,31% - Time Deposit 107,20 4,37 4,07% 114,67 8,27 7,22% 3. Loan 239,48 18,56 7,75% 265,35 20,43 7,70% Source : Economy Regional East Java Bank Indonesia Total Bank in East Java : 81 Banks Copyright IRU PT Bank Jatim, Tbk 17
18 SECTION 4 OVERVIEW & INVESTMENT HIGHLIGHTS Copyright IRU PT Bank Jatim, Tbk 18
19 THIRD PARTY FUND In Billion Rp. Copyright IRU PT Bank Jatim, Tbk 19
20 THIRD PARTY FUND COMPOSITION In Billion Rp. Copyright IRU PT Bank Jatim, Tbk 20
21 THIRD PARTY FUND CUSTOMER & TICKET SIZE In Million Rp. Copyright IRU PT Bank Jatim, Tbk 21
22 CASA RATIO PER MARCH 2013 BANK CASA RATIO (March 2013) Bank Jatim 73,9% Bank Jabar Banten 47,5% Bank Mandiri 62,1% BTN 41,3% BTPN 15,5% BRI 56,9% BCA 80,9% Bank Danamon 45,1% BNI 65,1% Bank Panin 61,2% Copyright IRU PT Bank Jatim, Tbk 22
23 PRODUCT PLAN & NEW ACTIVITIES 2013 SMS BANKING Provider Increase Autosave INTERNET BANKING KLE H2H MULTI BILLER Flazz INTERCITY CLEARING Copyright IRU PT Bank Jatim, Tbk 23
24 COST OF FUND Description January 2012 January 2013 February 2012 February 2013 March 2012 March 2013 Include Local Government 4,66% 3,05% 4,66% 3,15% 4,48% 3,28% Exclude Local Government 4,99% 2,93% 5,00% 3,04% 4,92% 3,37% Description April 2012 April 2013 May 2012 May 2013 June 2012 June 2013 Include Local Government 4,57% 3,14% 4,53% 3,25% 3,82% 3,18% Exclude Local Government 5,01% 3,24% 4,99% 3,61% 4,23% 3,28% Description July 2012 July 2013 Include Local Government 3,75% 3,44% Exclude Local Government 4,06% 3,52% Source : Tresury Division Copyright IRU PT Bank Jatim, Tbk 24
25 LOAN COMPOSITION In Billion Rp. Copyright IRU PT Bank Jatim, Tbk 25
26 LOAN COMPOSITION In Billion Rp. Standby Loan YoY 10,27% Overdraft YoY 39,51% Keppres YoY 1,51% Syndicate YoY -23,04% KUR YoY -22,97% Laguna YoY -21,18% Pundi Kencana YoY 90,55% Others YoY 39,44% Copyright IRU PT Bank Jatim, Tbk 26
27 LOAN TOTAL CUSTOMER & TICKET SIZE Copyright IRU PT Bank Jatim, Tbk 27
28 LOAN INTEREST RATE Description Consumer Loan Multipurpose Mortgage Others Commercial Loan Standby Loan Keppres Overdraft ALCO NO.051/008/ALCO 8.50% - 11% p.a Flat 15.20% % p.a Annuity 9.75% p.a Efective Fixed Rate first year next Floating 7.00% p.a Efective Fixed Rate 12.25% p.a Efective Floating Rate 12.25% p.a Efective Floating Rate 12.25% p.a Efective Floating Rate Syndicate 7.75% % KUR SME 12% - 22% p.a Efective Pundi Kencana 13.25% % Laguna Others 14% - 16% Annuity/Year 12.25% p.a Efective Floating Rate Copyright IRU PT Bank Jatim, Tbk 28
29 EXCLUSIVE OF MULTIPURPOSE LOAN Bank Jatim is one of the biggest creditors on East Java s consumer sector with a market share of 14.73% - Out of 471,814 civil servants in East Java, around 51,53 % has been served by Bank Jatim. - East Java civil servants are increasing at 14% p.a in 2011 and 8% in Loan size per borrower increases over time, in line with the increase in salary. - Borrowers are civil servant whose salary is paid via their payroll Bank Jatim account. Bank Jatim aims to tap retired civil servants and payroll account from private companies in East Java. East Java Civil Servant Payrolls Under Management ** For Multipurpose customers, Data from Branches Copyright IRU PT Bank Jatim, Tbk 29
30 SME STRATEGY In 2013, Bank Jatim has SME Loan development strategy by implementing targeted lending in 111 Sub Branch Offices spread across the area of East Java with the following : Type of Sub Branch Amount Each Sub Branch Target per Year Total Type A Type B Type B (Business Plan 2013) TOTAL Copyright IRU PT Bank Jatim, Tbk 30
31 TOP TEN LOAN BY INDUSTRY CONCENTRATION Household Trade Construction Agriculture Electricity Processing Social Service In Million Rp. Real Estate Education Finance Others Dec ,676,137 4,033,097 1,245, , , , , , ,556 67,677 1,194,571 Mar ,552,941 3,876,995 1,219, , , , , , ,514 78, ,932 Jun ,769,612 3,643,285 1,438, , , , , , ,613 83, ,659 Sept ,824,986 3,292,067 1,681, , , , , , ,562 92,665 2,601,840 Dec ,229,596 3,235,324 1,357,186 1,022, , , , , , , ,993 Mar ,931,148 3,080,083 1,253,861 1,059, , , , , , , ,147 Jun ,318,530 2,803,371 1,766,585 1,056, , , , , , , ,231 Sept ,657,148 2,296,537 2,012, , , , , , , , ,054 Dec ,910,568 2,017,524 1,276, , , , ,349 98, , , ,615 Mar Jun Jul Copyright IRU PT Bank Jatim, Tbk 31
32 RECOVERY No Information Total Recovery 2012 Realization Mar 2013 Realization June 2013 Realization July 2013 Total Jan - Jul Claim of loan insurance (70% of outstanding loan-write off) Result of loan collection after Jamkrindo s Subrogation Right deduction at 70% Result of completion non performing loan from Balangan (intra & extracomptabel) minus Non Performing Loan (intra) at 75% Result of principal interest installment of extracomptabel loan (minus 25% from Balangan) Installment Loan of Jakarta Branch Installment Loan of HR Muhammad Branch Installment Loan of Sumenep Branch PT. Horison Komunikasi clain ,184,866, TOTAL Copyright IRU PT Bank Jatim, Tbk 32
33 STRATEGY REDUCING NPL Action Plan Member PIC Branch PIC Head Office Monthly Meeting Task Force Branch Manager & Loan Supervisor Special Mention Loan Sub Division Branch Managers Relationship Managers Loan Supervisors Staff Agenda Monthly Meeting : 1. Monitoring progress recovery from Debtor; 2. Monitoring process of auction from Guarantee; 3. Monitoring Insurance Claim; Branch Manager Branch Manager -Middle & Corporate Division -Special Mention Loan Sub Division -Middle & Corporate Division -Special Mention Loan Sub Division Agenda Task Force: 1. To store non performing loan documents including the security of loan collateral 2. Prepare steps of non performing loans rescue and completion which still have prospect or not, by : Direct billing to the debtors, debtors projects, and by phone Restructuring loans to the prospect debtors Disbursement of collateral outside the auction by way of redemption of the collateral by the debtor or under the arms sales to third parties Disbursement of collateral by way of voluntary auctions, how to execute mortgages or mortgages with the auction office or other auction (PT.Balai Lelang Tunjungan Surabaya) Claim credit insurance or credit guarantee agency has closed the insured losses Compensate to borrowers asset with problem loans Monitor the implementation of the rescue measures and resolution of non performing loans Monitor the activities of the debtor or credit the rescue phase completion Create reports and administer the implementation of rescue and resolution of non performing loans periodically (at least once a month) Copyright IRU PT Bank Jatim, Tbk 33
34 HUMAN RESOURCES With the support of professional human resources, Bank Jatim is committed to provide excellent service to its customers. HR Development Strategy HR development strategy continues to be based on HR Management Based on Competencies. HR Management Policy Steps to set out HR management policy: Build competency book and profile with experienced consultant in competency development field; Staff Development Program (SDP) and Executive Development Program (EDP) recruitment, training, and education; SDM portal development to manage HR Management Information System (MIS). Vision, Mission, and Corporate Culture Professional management and resources No DATA Jul-13 Board of 1 Commisioner 4 2 Sharia Supervisory Board 3 3 Board of Director 5 4 Management Management Management Management Staff Administration 996 Staff Non 9 Administration Non Permanent Outsourcing Total HR Development and Quality Improvement Competencies based education and training program in accordance with organizational needs based on training needs analysis. Number of Employees ( ) Copyright IRU PT Bank Jatim, Tbk 34
35 INFORMATION TECHNOLOGY Transformation of Information Technology (IT) system to anticipate business development and intensifying competition. IT Development Strategy IT Plan 2013 Bank Jatim approaches its IT development strategy based on the customers needs by implementing some steps, including: - Preparing FOS (Financing Operating System) implementation - Preparing Virtual Account program creation - Create MIS Dashboard to evaluate Sharia business performance - SPP Batch System development to accommodate tuition fee on school and universities Good IT Governance Information technology principles Information technology architecture Information technology infrastructure Business application Prioritization and investment decision Launching Live e-payment container Cooperation with Terminal Peti Kemas Surabaya, by steps : 1. Assurance payment by Host to Host System 2. Assurance payment by script fund (warkat dana) 3. Assurance payment by Running Deposit Bank Jatim IT Transformation Copyright IRU PT Bank Jatim, Tbk 35
36 INFORMATION TECHNOLOGY Transformation of Information Technology (IT) system to anticipate business development and intensifying competition. IT Plan 2013 Launching Live e-payment container Cooperation with Terminal Peti Kemas Surabaya, Steps for this payments are : Assurance payment by Host to Host System Customers have to book the activities to get number of EPB (Approxiamate Estimate of Financing) as key of payment of Host to Host. This can be processed at Teller of Bank Jatim and also ATM Assurance payment by script fund Payment of assurance by using script fund established by Terminal Peti Kemas Assurance payment by Running Deposit payments made after unloading Completed Memorandum of PT. TPS issued without first making a payment guarantee EPB. Customers who make payment through running deposit must obtain prior approval from PT. TPS for that customer must have guarantees such as deposit pledged as collateral that can be withdrawn if the customer is not able to make payments after Completed Memorandum issued by PT. TPS Launching Intercity Current Account in April 2013 Copyright IRU PT Bank Jatim, Tbk 36
37 COMPANY TRANSFORMATION As the East Java industrial climate improves, the competition in the banking industry intensifies since many competitors oversee the potential to do market penetration in the banking industry. SHORT TERM + MEDIUM TERM BPD REGIONAL CHAMPION (BRC) 2013 Company Focus 2015 Company Main Focus - Become BPD Regional Champion (BRC); Third Party Fund grow by 23%; Total credit grow by 24% with SME : corporation = 80% : 20% LDR grow to 84,22%; Third Party Fund grow by 23%; Total credit grow by 21% with SME : corporation = 80% : 20% Retain NPL < 2%; - Improve both financial and non-financial performance; - Service network expansion to strengthen our competitiveness and continuously serve East Java community. Retain BOPO < 65,74% Retain BOPO < 70% Copyright IRU PT Bank Jatim, Tbk 37
38 SECTION 5 STRENGHTS Copyright IRU PT Bank Jatim, Tbk 38
39 WIDE NETWORK OF SERVICE POINTS Branch network and electronic channels are among Bank Jatim s competitive advantages. Jun Jul Target Network Mar (+) Head Office Branch Office Sub Branch Office Cash office Our expansion for the past few years, such as opening conventional supporting branches, payment point, and ATMs, has given our customer with easier access to our services. Sharia service office Payment Point Mobile cash Mobile ATM CDM ATM Total network As information, there is a decrease of Cash Office from June to July 2013 because of Increased status (From 160 Cash Office in June 2013 become 159 Cash Office in July 2013 Copyright IRU PT Bank Jatim, Tbk 39
40 WIDE NETWORK OF SERVICE POINTS Network Conventional - Branch Sub Branch Cash Office ATM Sharia - Branch Sub Branch Office Channelling ATM Copyright IRU PT Bank Jatim, Tbk 40
41 NEW PRODUCT 2013 & SMS Banking 3366 Internet Banking Co Branding Flazz Mobile Banking Autosave KLE 2014 Priority Banking EDC For Micro Saving Tiering ATM Card Bank Jatim : Silver, Gold, latinum Host to Host Dealing Room Copyright IRU PT Bank Jatim, Tbk 41
42 BPR LINKAGE PROGRAM In Million Rp. Description March 2013 June 2013 July 2013 Outstanding Member Outstanding Member Outstanding Member Linkage Program Executing Linkage Program KUR Linkage BPR Non APEX TOTAL NPL 0,29% 0,04% Information : 1. BPR in East Java : 332 BPR 2. Member of BPR APEX : 279 BPR 3. Linkage Program with Bank Jatim : 72 BPR 4. Linkage Non APEX : 2 BPR 5. Member PERBAMIDA : 22 BPR 6. Member PERBAMIDA, Linkage with Bank Jatim : 10 BPR Copyright IRU PT Bank Jatim, Tbk 42
43 JATIM ELECTRONIC TRANSFER SYSTEM (JETS) Definition Jets is a system service that is used in the implementation of the transfer of funds between member apex RB, participants jets and the Commercial Bank through Bank Indonesia National Clearing System (SKNBI) the calculation is completed on time in accordance cycle set. In this case Bank Jatim acting as a bank acting as an organizer and BPR participants. Type Of Service JETS 1. Delivery Transfers Out between BPR and BPR JETS members in real time; 2. Transfers out BPR and BPR JETS members to Banks SKNBI participants; 3. Transfer into BPR and BPR of fellow members and Banks JETS participants SKNBI Members of JETS BPR pilot project was done kick off meeting BPR who engage themselves in the implementation of JETS For Bank Jatim as organizer 1. Create products and services with innovative between Bank Jatim and member of APEX BPR 2. Improve service to members for transactions between APEX BPR members and public Bank member SKN BI directly. 3. Improve corporate image as the first bank in Indonesia providing Electronic Credit Transfer System. Increase the Bank's role as an institution of APEX BPR Java and East Java strengthen Bank as Regional Champion Since October 30, 2012 to July 31, 2013 may be reported holding JETS transaction as follows: TYPE OF TRANSACTION TOTAL TRANSACTION TOTAL NOMINAL Transaction Between BPR 467 Rp Transaction BPR with Public Bank member SKNBI Rp TOTAL Rp Copyright IRU PT Bank Jatim, Tbk 43
44 AWARDS & ACHIEVEMENTS Annual Report Award 2010 Committee State-owned Company with Bapepam, Ditjen Pajak, Bursa Efek Indonesia, Ikatan Akuntansi Indonesia and Corporate Governance National Committee) 1st ranked Company Category SOE/ROE Financial Non Listed Infobank Award 2011 & 2012 Excellent Predicated on Bank category with asset 1 Trillion to 10 Trillion for 10 consecutive years Bisnis Indonesia Daily Newspaper BPD Jatim Special RecognItion for CEO In Developing Corporate Culture PT BPD Jatim Special Recognition for CEO In Developing Corporate Culture Bisnis Indonesia Daily Newspaper The Best Of 5 th BUMD of The Year ROE Performance Achievement. Persatuan Wartawan Indonesia East Java Branch Trophy and Charter Award from Persatuan Wartawan Indonesiaof East Java Branch to Bank Jatim of Financial Performance Achievement. Investor Magazine 2011 & 2012 Best Regional Champion Bank with asset above Rp10 trillion MRI & Info Bank 5th Best Performance Overall Regional Bank Tempo Magazine The Best Bank in term of asset >10 trillon Annual Report Award 2011 Committee State-owned Company with Bapepam, Ditjen Pajak, Bursa Efek Indonesia, Ikatan Akuntansi Indonesia and Corporate Governance National Committee) 2nd ranked Company Category BUMD Non Listed MarkPlus 2012 Best Champion Surabaya Service Excellence 2012 Conventional Banking (Asset<150 T) MarkPlus Insight The Best Indonesia Service to Care Champion 2013 Indonesia Banking Award 2012 Best Regional Banking above Rp 10 trillion MarkPlus Insight & Infobank Indonesian Bank Loyalty Award 2013 category Saving Account : Regional Development Bank MarkPlus Insight Surabaya Marketers Champion 2013 Category : Financial Services Industry Copyright IRU PT Bank Jatim, Tbk 44
45 Investor Relation Unit Head Office 4th Floor Basuki Rahmat Surabaya iru@bankjatim.co.id Phone : (031) Fax : (031) Copyright IRU PT Bank Jatim, Tbk 45
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