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PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM.JK)
Surabaya, ID
PT Bank Pembangunan Daerah Jawa Timur Tbk, commonly known as Bank Jatim, is an Indonesian financial institution offering a comprehensive array of banking and financial solutions. The bank's product portfolio includes a diverse selection of deposit accounts such as savings, current, fixed, and time deposits, in addition to dedicated Sharia-compliant savings and deposit options. Its lending services are extensive, encompassing personal and productivity loans, property construction financing, investment loans, and working capital facilities (kredit modal Kerja). Bank Jatim also participates in syndicated loans, offers financing for receivables, provides cash collateral credit, and extends specialized loans to local governments and Public Service Area Bureaus. Sharia-based financing alternatives are also available to customers. Beyond core banking, the company facilitates treasury and international trade activities, providing common foreign exchange services, hedging through forward contracts and swaps, bank notes, deposit on call, and related documentation services. Its trade finance offerings feature letters of credit, import tax services, undocumented letter of credit affairs, and bank guarantee forex services, complemented by foreign exchange transactions and remittance capabilities. For customer convenience, Bank Jatim deploys a suite of digital and self-service channels. These include a merchant relationship program, a wide network of conventional and Sharia automated teller machines (ATMs), internet and mobile banking platforms, SMS banking, and virtual accounts. The bank also issues electronic government staff cards, debit cards, and prepaid cards. Supplementary services include safe deposit boxes and various money transfer options. As of December 31, 2021, Bank Jatim maintained a substantial operational footprint across Indonesia. Its network comprised 41 conventional branches, 7 Sharia branches, 162 conventional sub-branches, 10 Sharia sub-branches, 211 conventional cash offices, 2 Sharia cash offices, 248 conventional payment points, 8 Sharia payment points, and 195 Sharia service offices. The self-service infrastructure included 780 conventional ATMs, 25 Sharia ATMs, 51 conventional cash recycling machines, 7 Sharia cash recycling machines, and 97 conventional along with 7 Sharia cash ATM vehicles. Established in 1961, PT Bank Pembangunan Daerah Jawa Timur Tbk is headquartered in Surabaya, Indonesia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -10.34% | -11.86% | -4.59% | -4.59% | -7.96% | -19.38% | -31.13% | +14.04% | +18.18% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2025-04 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+23.8% Q1'26: +36.6% (vs Q1'25)
-
EPS growth+20.6% Q1'26: +30.2% (vs Q1'25)
-
FCF margin— Q1'26: +66.7% (vs Q1'25)
-
EBIT margin— Q1'26: +22.5% (vs Q1'25)
-
ROIC— Q1'26: -16.2% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.06× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.97T
est: 3.63T (+36.8%)
|
5.18T
est: 3.81T (+36.0%)
|
5.19T
est: 3.90T (+33.0%)
|
5.53T
est: 4.06T (+36.3%)
|
6.21T
est: 4.53T (+37.3%)
|
6.44T
est: 4.31T (+49.5%)
|
7.04T
est: 5.06T (+39.3%)
|
7.37T
est: 5.46T (+34.9%)
|
7.89T
est: 5.12T (+54.1%)
|
9.06T
est: 6.18T (+46.7%)
|
11.22T
est: 7.35T (+52.6%)
|
| EBITDA |
1.31T
est: 945.91B (+38.6%)
|
1.52T
est: 991.47B (+53.2%)
|
1.70T
est: 1.02T (+66.9%)
|
1.80T
est: 1.06T (+70.5%)
|
1.91T
est: 1.18T (+62.0%)
|
1.62T
est: 1.12T (+44.2%)
|
2.05T
est: 1.32T (+55.8%)
|
2.19T
est: 1.42T (+54.3%)
|
2.04T
est: 1.28T (+59.2%)
|
1.84T
est: 1.55T (+18.4%)
|
2.28T
est: 1.84T (+23.5%)
|
| EBIT |
1.26T
est: 879.38B (+43.4%)
|
1.45T
est: 921.74B (+57.5%)
|
1.64T
est: 944.41B (+73.3%)
|
1.75T
est: 982.38B (+78.5%)
|
1.86T
est: 1.10T (+70.2%)
|
1.51T
est: 1.04T (+44.6%)
|
1.94T
est: 1.22T (+58.3%)
|
2.03T
est: 1.32T (+53.5%)
|
1.89T
est: 1.19T (+59.0%)
|
1.68T
est: 1.44T (+17.1%)
|
2.09T
est: 1.71T (+22.4%)
|
| Net Income |
884.50B
est: 945.98B (-6.5%)
|
1.03T
est: 1.04T (-0.8%)
|
1.16T
est: 1.27T (-8.8%)
|
1.26T
est: 1.27T (-0.4%)
|
1.38T
est: 1.36T (+1.2%)
|
1.49T
est: 1.34T (+11.1%)
|
1.52T
est: 1.37T (+10.8%)
|
1.54T
est: 1.55T (-0.6%)
|
1.47T
est: 1.37T (+7.2%)
|
1.28T
est: 1.88T (-31.7%)
|
1.55T
est: 2.09T (-25.9%)
|
| SGA |
423.33B
est: 348.79B (+21.4%)
|
460.04B
est: 365.59B (+25.8%)
|
490.62B
est: 374.58B (+31.0%)
|
523.56B
est: 389.64B (+34.4%)
|
497.38B
est: 434.43B (+14.5%)
|
495.35B
est: 413.60B (+19.8%)
|
616.19B
est: 485.65B (+26.9%)
|
744.88B
est: 524.39B (+42.0%)
|
849.47B
est: 628.16B (+35.2%)
|
968.63B
est: 758.51B (+27.7%)
|
2.36T
est: 902.24B (+161.8%)
|
| EPS |
59.29
est: 63.00 (-5.9%)
|
68.88
est: 69.00 (-0.2%)
|
77.51
est: 84.67 (-8.5%)
|
84.15
est: 84.30 (-0.2%)
|
91.80
est: 90.60 (+1.3%)
|
99.16
est: 89.27 (+11.1%)
|
101.43
est: 91.54 (+10.8%)
|
102.75
est: 103.40 (-0.6%)
|
97.91
est: 91.30 (+7.2%)
|
85.36
est: 125.00 (-31.7%)
|
102.93
est: 138.90 (-25.9%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-25 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-19 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-13 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-12 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 155.1K | 0.39% |
| 2 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.00% | 1.5K | 0.33% |
| 3 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 76.3K | 0.28% |
| 4 | Dimensional - Emerging Markets Value ETF DFEV | 0.00% | 11.2K | 0.46% |
| 5 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.00% | 38.9K | 0.29% |
| 6 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.00% | 368.43 | 0.56% |
| 7 | Avantis Emerging Markets Equity ETF AVEM | 0.00% | 24.3K | 0.33% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Arif Suhirman | Director of Operations, Middle Business & Corporation Director and Director | — | male |
| Budi Sumarsono | Senior Executive Vice President of Corporate Transformation | — | male |
| Mugni Nurachman | Vice President of Legal | — | male |
| R. Arief Wicaksono | Director of Micro, Retail, Shariah Business Director & Medium and Director | — | male |
| R. Deni Mahendra | Vice President of Accounting & Financial Management Division | — | male |
| Revi Adiana Silawati | Senior Executive Vice President of Network & Services | — | female |
| Slamet Purwanto | Vice President of Human Capital | — | male |
| Tonny Prasetyo | Micro, Retail & Shariah Business Director and Director | — | male |
| Umi Rodiyah | Compliance Director & Director | — | female |
| Wahyu Kusumo Wisnubroto | Senior Executive Vice President of Network & Services | — | male |
| Wardhana Suryaatmaja | Vice President & Head of Internal Audit Division | — | male |
| Winardi Legowo | President Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BJTM.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
