[Roxolan]

It's actually more complicated than that. You value saving the lives of people on the other boat (albeit much less than you value your own), there are "third options" with risks but interesting payoffs that are worth considering (disabling the bomb, stealthily jumping into the water...), and the longer you delay, the more likely it is that a deus ex machina (Batman, a stealth bomb disposal specialist...) will show up and offer you maximum payoff on a silver platter. Indeed that's what ends up happening in the movie.

(Of course this isn't a practical approach, since the problem is likely to solve itself long before I'm done formalizing it.)