Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Q1 2015 Earnings Presentation
44 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, 2015
Slide 1: tim
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Slide 2: Agenda
AGENDA ECONOMIC OUTLOOK FINANCIAL HIGHLIGHTS OVERVIEW & INVESTMENT HIGHLIGHTS STRENGHTS 2
Slide 3: Table of Contents
Table of Contents Description Page Description Page Agenda 2 - Type of Loan 22 – 27 Table of Contents 3 - Multipurpose Loan 28 Section 1 – Economic Outlook 4–7 - NPL Each Segment 29 - Macro Economy Review 5 - Human Resources 30 - Regional Economic Growth & Income 6 - Achievement 2014 and Business Pl
Slide 4: Economic Outlook
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Slide 5: Macro Economy Review
MACRO ECONOMY REVIEW 3.592.087 3.706.501 3.494.968 LOAN LOAN 2.982.436 3.170.805 3.319.842 3.334.011 billion 2.725.674 2.787.372 billion 3.834.503 3.995.803 4.114.420 3.374.272 3.526.188 3.663.968 3.618.064 3.225.198 3.243.136 FUND FUND billion billion In billion Rp. FY12 3M13 1H13 9M13 FY13 3M14 1H
Slide 6: Regional Economic Growth
Regional Economic Growth 7,27% EAST JAVA 6,15% 6,40% 5,94% 5,91% 5,90% YoY 6,40% NATIONAL 5,62% 5,21% 5,12% 5,00% 5,00% YoY FY12 FY13 3M14 1H14 9M14 FY14 Regional Growth 2013 2014 JAVA Regional Economic Share Jabar National 5,6 5,0 23% DKI Jakarta 6,1 5,9 Banten 7% Jawa Barat 6,3 5,1 DKI 29% Banten
Slide 7: Bank Jatim Among National Bank
Bank Jatim Among National Bank In billion Rp. Third Party Paid Net Income No Bank Asset Loan Fund Capital Before Tax 1 BRI 778.018 490.410 600.404 6.167 30.770 2 Bank MANDIRI 755.867 475.267 576.326 11.667 23.375 3 BCA 541.911 346.962 447.942 1.541 19.887 4 BNI 393.467 262.578 299.021 9.055 13.098 5
Slide 8: Financial Highlights
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Slide 9: Balance Sheet
Balance Sheet Information 3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ In million Rp Total Asset 35.464.167 45.824.569 29,21% 2.417.630 (4.696.004) 7.826.523 223,73% -266,66% Placement BI & Other 8.166.843 14.087.879 72,50% 2.734.185 (5.378.622) 7.858.726 187,42% -246,11% Loan 22.683.541 26.567.941 17,12% 5
Slide 10: Profit & Loss
Profit & Loss Information 3M14 3M15 YoY 1Q14 4Q14 1Q15 YoY QoQ In million Rp Interest Income 930.967 1.048.889 12,67% 930.967 1.149.261 1.048.889 12,67% -8,73% Interest Expense (218.372) (288.980) 32,33% (218.372) (385.730) (288.980) 32,33% -25,08% Nett Interest Income 712.595 759.909 6,64% 712.595
Slide 11: Income & Expense Growth
Income & Expense Growth Information 3M14 3M15 YoY In million Rp Placement others bank 82.916 82.557 -0,43% Marketable Securities 53.504 67.750 26,62% Fees & Commissions 58.600 58.462 -0,24% Current Account Expense (59.325) (77.981) 31,45% Saving Accounts Expense (33.064) (39.144) 18,39% Deposits Exp
Slide 12: Financial Performance
Financial Performance INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) CAGR = CAGR = CAGR = 16,15% 11,96% 8,26% 0,96 4,05 1,14 0,9 0,9 0,8 0,9 0,7 3,3 0,8 0,8 2,9 0,7 0,7 0,7 0,7 2,7 2,8 0,6 0,5 0,5 2 2,1 0,5 1,7 1,7 0,4 0,4 0,4 0,4 1 1 1 1,2 1,05 0,3 0,29 0,2 0,26 0,2 0,2 0
Slide 13: Financial Ratio
Financial Ratio 5,58% 4,97% 4,87% 4,14% 4,07% 3,94% 3,75% 4,07% 3,82% 3,65% 3,52% 3,54% 3,55% 3,34% 3,38% 3,12% R 2,61% O A 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15 56,55% 41,66% 40,57% 36,90% 38,48% 33,65% 30,54% 30,85% 31,48% R 28,59% 24,29% 22,06% 20,1
Slide 14: Financial Ratio
Financial Ratio 84,98% 86,54% 80,70% 80,11% 83,55% 80,36% 69,67% 69,96% 73,06% 69,96% 54,04% L 39,97% 43,23% 45,45% 45,13% 38,75% 42,11% D R 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 3M14 1H14 9M14 12M14 3M15 38,45% 33,39% 25,36% 26,56% 23,72% 22,54% 22,17% 22,87% 21,32% 20,36% 20,
Slide 15: Overview & Investment Highlights
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Slide 16: Change of Commissioner Board
Change of Commissioner Board HERU SANTOSO *) President Commissioner MULJANTO (Independent) President Commissioner Experienced for 31 years in Bank Indonesia AKHMAD SUKARDI *) HADI SUKRIANTO *) Commissioner Commissioner CHAERUL DJAELANI Commissioner Experienced as East Java Experienced for 32 years P
Slide 17: Change of Director Board
Change of Director Board R SOEROSO *) President Director HADI SUKRIANTO President Director Experienced for 32 years in Bank Jatim and President Director of Bank UMKM for 2 periods SU’UDI *) DJOKO LESMONO Director of Medium Business & Corporate Director of Medium Business & Corporate Experienced for
Slide 18: Third Party Fund
Third Party Fund Current Account Saving Account Time Deposit In Billion Rp. 18.292 16.563 15.451 12.643 12.101 12.083 11.690 11.628 11.257 11.331 11.649 10.733 10.834 10.509 9.662 9.969 10.991 8.281 8.269 8.403 9.970 8.227 8.080 9.172 7.627 8.923 7.630 8.642 8.287 8.174 6.781 8.082 7.622 6.048 6.757
Slide 19: Detailed Third Party Fund
Detailed Third Party Fund In Billion Rp. Current Account Government Private 3.582 2.742 Government Current 3.491 2.675 Acc. 2.538 2.624 2.685 2.560 13.821 4.429 5.421 9.969 5.644 14.710 YoY 61,12% 11.959 9.563 9.460 7.220 8.573 9.130 4.241 4.324 Private Current Acc. FY12 3M13 1H13 9M13 FY13 2M14 3M1
Slide 20: Third Party Fund Customer
Third Party Fund Customer Total Customer Current Account Saving Account Time Deposit 4.161.277 4.403.899 4.199.590 4.255.204 4.333.820 4.126.826 2.511.507 2.100.510 2.144.912 2.045.785 48.358 44.137 44.254 45.334 46.853 47.014 49.411 50.134 50.927 43.634 23.616 24.538 25.274 26.176 25.277 27.209 28.
Slide 21: Competitive Product
Competitive Product delivery e-channel transaction: 130.854 transaction Individual transaction 117.769 transaction Corporate transaction 13.085 transaction 21
Slide 22: Loan Proportion
Loan Proportion CONSUMER LOAN Mar’14 Mar’15 Multipurpose 57,57% 57,03% Mortgage 4,83% 5,04% Others 2,52% 2,15% SME Total 64,93% 64,23% COMMERCIAL LOAN Mar’14 Mar’15 Standby Loan 3,82% 3,06% Keppres 1,67% 1,69% COMMERCIAL Overdraft 11,36% 9,69% CONSUMER Syndicate 3,58% 4,59% Total 20,44% 19,02% Small
Slide 23: Type of Loan
Type Of Loan Consumer Commercial SME In Billion Rp. 17.064 16.711 16.224 15.599 14.465 14.727 14.026 13.568 YoY 13.120 12.395 11.886 Consumer 15,87% Commercial 5.624 9,03% 5.019 5.180 5.054 4.358 4.636 4.228 3.869 3.832 3.239 3.072 SME 4.203 4.239 4.304 4.450 34,00% 3.601 3.831 3.850 3.432 3.338 3.4
Slide 24: Consumer Loan
Type Of Loan Consumer Loan In Billion Rp. Multipurpose Mortgage Others 15.152 14.849 14.408 13.864 12.825 13.058 12.457 12.086 11.734 11.142 10.739 YoY Multi purpose 16,03% Mortgage 22,17% Others 850 1.087 1.097 1.177 1.233 1.299 1.340 941 1.025 0,07% 653 494 748 505 536 541 572 583 544 559 563 572
Slide 25: Commercial Loan
Type Of Loan Commercial Loan In Billion Rp. Standby Loan Keppres Overdraft Syndicate 2.575 2.308 YoY 2.259 2.217 Standby 1.780 1.854 Loan (6,32%) 1.530 1.286 Keppres 1.285 1.410 1.285 1.171 1.218 1.185 1.157 18,78% 1.113 1.075 1.002 1.013 922 942 810 903 812 Overdraft 947 768 809 849 745 696 796 759
Slide 26: SME Loan
Type Of Loan SME Loan KUR Pundi Kencana Mikro Others In Billion Rp. 2.262 2.199 2.186 YoY 2.214 2.005 2.026 1.763 KUR 1.631 1.677 -28,10% 1.583 1.508 1.434 1.430 1.387 1.312 1.257 Pundi 1.453 1.243 Kencana 1.218 1.058 1.128 950 57,56% 893 796 747 693 603 Mikro 562 513 1453,55% 426 234 351 345 277 26
Slide 27: Type of Loan: Customers and Ticket Size
Type Of Loan Total Customer Consumer Commercial SME 263.169 264.742 260.490 261.230 260.862 257.915 262.293 260.647 259.658 261.730 257.846 256.321 256.095 41.439 36.498 39.306 40.809 41.554 42.097 43.553 43.441 41.411 45.951 43.986 42.749 43.281 4.128 5.902 7.790 6.283 4.019 6.248 7.744 6.173 5.773
Slide 28: Multipurpose Loan
Multipurpose Loan Multiguna Ticket Size (million) Rp. 59,3 61,2 61,9 54,2 56,7 50,6 52,2 45,8 48,8 43,6 38,9 32,5 29,2 2009 2010 2011 2012 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Multiguna Loan Balance ( Billion Rp. ) 14.408 14.849 15.152 13.058 13.864 11.734 11.869 12.086 12.457 10.738 11.141
Slide 29: NPL Each Segment
NPL Each Segment 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 Consumer Loan 0,36% 0,39% 0,47% 0,13% 0,45% 0,56% 0,53% 0,60% 0,66% SME Loan 13,66% 14,18% 12,50% 12,45% 12,49% 10,46% 10,37% 8,95% 9,28% Commercial Loan 2,95% 3,21% 3,63% 7,07% 6,6% 6,69% 5,89% 6,04% 9,90% 3M13 1H13 9M13 FY13 3M14 1H14 9
Slide 30: Human Resources
Human Resources No DATA March 2014 March 2015 1 Board of Commisioner 3 4 2 Board of Sharia Supervisory 3 3 3 Director 3 5 4 Management 1 15 11 5 Management 2 71 72 6 Management 3 181 230 7 Management 4 646 666 8 Staff of Administration 1.104 1.769 9 Staff Non Administration 356 341 10 Non Permanent
Slide 31: Achievement 2014 & Business Plan 2015
Achievement 2014 & Business Plan 2015 Description Des 2014 Description Target 2015 Total Asset 15,11% Total Asset 16,38% Loan 18,61% Loan 20,00% Third Party Fund 16,48% Third Party Fund 17,13% Interest Income 21,89% Interest Income 14,12% Net Profit 16,23% Net Profit 18,80% Financial Ratio Financial
Slide 32: Strengths
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Slide 33: Funding Composition
Funding Composition 23.7% 23.5% 21.2% 23.9% 21,0% 19,7% 28.5% 23,7% 23,7% 23,9% 23,2% 25,2% 28,7% 27,7% 24.6% 36.2% 28.8% 35.8% 25.4% 24,1% 28,4% 35,9% 36,8% 24,2% 25,0% 35,4% 38,4% 36,3% 51.7% 42.6% 46.0% 47.7% 40.3% 43.5% 48,0% 48,2% 46,3% 43,1% 43,5% 40,7% 38,4% 38,5% 2002 2003 2004 2005 2006 200
Slide 34: Cost of Fund
Cost Of Fund COF 4,92% 5,00% (+) Local Government (-) Local Government 3,31% 3,81% 3,71% 2,75% 3,10% 3,28% 3,26% 3,45% 2,39% 2,58% 2,67% 4,48% 4,53% 3,00% 3,02% 3,18% 3,21% 3,16% 3,54% 3,48% 3,01% 2,53% 2,61% 2,68% 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M14 1H14 9M14 FY14 3M15 34
Slide 35: Micro Loan
Micro Loan Unit Unit Age March 2015 No Branch RR NPL Amount Month Plafond Outstanding NOA In thousand In thousand 1 Surabaya 7 14 58.894.000 51.748.445 218 100,00% 0,00% 2 Sidoarjo 6 14 70.588.600 61.216.526 300 100,00% 0,00% 3 Madiun 6 14 45.545.500 40.095.836 229 99,44% 0,56% 4 Mojokerto 5 10 46.5
Slide 36: Network
Network NETWORK Network 2009 2010 2011 2012 2013 2014 3M15 2015 Head Office 1 1 1 1 1 1 1 3 (sharia) Branch Office 39 41 41 41 41 43 43 27 (8 sharia + Sub Branch Office 26 44 67 81 107 153 165 19 conventional 35 cash office Cash office 151 154 164 164 176 165 158 Sharia service office 37 37 47 47 47
Slide 37: Treasury Dealing Room
Treasury Dealing Room Treasury Capital Market Money Market Foreign Exchange Marketing & & Fixed Income Sales Buying Buying Customer Placement Marketable Foreign Transaction Securities Currencies Selling Selling Borrowing Marketable Foreign Securities Currencies Transaction with BI ASET Nominal (Rp j
Slide 38: Bank Jatim Among Regional Bank
Bank Jatim Among Regional Bank Third Party Net Income No Bank Asset Loan Paid Capital Fund After Tax 1 Bank JABAR BANTEN 70.157 49.254 52.992 2.424 1.115 2 2 1 2 2 Bank JATIM 38.041 25.655 30.270 3.729 958 3 Bank DKI 37.168 21.952 27.031 2.931 658 4 Bank JATENG 35.743 25.392 29.406 1.573 774 5 Bank
Slide 39: Bank Jatim Growth Among National & East Java Bank
Bank Jatim Growth Among National & East Java Bank Information National East Java Bank Jatim Total Asset 13,34% 12,95% 14,98% 12,29% 14,93% 16,48% Third Party Fund - Current Account 5,05% 15,20% 16,85% 5,92% 7,23% 10,25% - Saving Account 20,93% 22,19% 26,14% - Time Deposit Credit 11,65% 13,25% 18,61%
Slide 40: Dividend Yield
Dividen Yield 9.0% 8.5% 3.5 3.8 2.0 % % % BJTM BJBR BBTN INDUSTRY BBKP Bank Price Market EPS PBV PER Dividend (30/01/2015) Cap Growth Yield Rp bn BBCA 14.825 365.511 12,2 3,9 19,7 1,1 BBRI 13.275 327.483 12,8 2,9 12,1 2,3 BMRI 12.475 297.083 12,4 2,5 12,6 2,2 BBNI 7.225 134.737 13,5 2,1 11,1 2,5 BDM
Slide 41: Awards & Achievements
Awards & Achievements Indonesia IAIR Award Bank Loyalty 2014 APBI Award 2014 2014 INFOBANK AWARD PLATINUM MRI 2014 AWARD Best Service 2014 Excellence 2014 41
Slide 42: BJTM Investor
BJTM INVESTOR Foreign Institution Investor Foreign Institution Investor March 2014 March 2015 46,03 % from public shares 62,90 % from public shares Public shares 20 % from paid capital Domestic Investor March 2014 Domestic Investor March 2015 53,97 % from public shares 37,10 % from public shares No
Slide 43: Sharia
Sharia Synergy Network Technology •Prepare 2013 Alliance, 2014 Strenghten & SDI 2015 Strenghten & SDI 2016 Spin Off network •2017 FINANCIAL FINANCIAL FINANCIAL FINANCIAL •3 KC •5 KC •3 KC •7 KC •5 KCP •8 KCP •8 KCP •16 KCP NETWORK & •47 KLS NETWORK •55 KLS NETWORK •35 KLS NETWORK •60 KLS OPS & OPS &
Slide 44: Contact
CONTACT Investor Relation Unit (IRU) Corporate Secretary (031) 5310090 www.bankjatim.co.id - Ferdian Timur S. – Ext. 475 Investor Relation Manager - Abdulah Basid – Ext. 472 Analis -Lukas Yudhi W.S – Ext . 468 Junior Analis -Frizki Putera N – Ext. 469 Junior Analis
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) — Q1 2015 Earnings Presentation on 6ix