Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — bank bjb — Q1 2015 Earnings Presentation
45 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2015
Slide 1: Lebih Besar, Lebih Kuat, Lebih Baik
Lebih Besar, Lebih Kuat, Lebih Baik bank bjb Ringkasan Kinerja per 31 Maret 2015
Slide 2: Daftar Isi
Daftar Isi Hal. 5 Ringkasan Kinerja Hal. 10 Breakdown Kredit Hal. 15 Breakdown Dana Pihak Ketiga Hal. 16 Kualitas Aktiva Produktif Hal. 19 Analisis Imbal Hasil Hal. 21 Kecukupan Modal Hal. 22 Kinerja Kredit Konsumer (Detail) Hal. 29 Kinerja Anak Perusahaan (bank bjb Syariah) Hal. 35 Profil Perusahaa
Slide 3: Ekonomi Makro
Ekonomi Makro BI Rate turun 25 bps menjadi 7.50% Indeks Kepercayaan Konsumen Menurun GDP Growth BI Rate Consumer Confidence Index 10 140 120 8 Index (points) 100 6 80 (%) 4 60 40 2 20 0 0 Source: Bloomberg Source: Bloomberg Tingkat Inflasi berada di Batas Atas Pelemahan Rupiah Terus Berlanjut CPI 1M
Slide 4: Sektor Perbankan
Sektor Perbankan Loans Growth Deposit Growth Per Jan‘15, kinerja sektor perbankan adalah sbb: 40.0 35.0 • Total Kredit +11.64%YoY menjadi Rp3,667 tr (Kredit 30.0 Investasi +13.76 % YoY, Kredit Modal Kerja +10.73% YoY Growth (%) 25.0 YoY, Kredit Konsumer +10.98% YoY) 20.0 15.0 • Total Dana Pihak Ketg
Slide 5: Ringkasan Kinerja
Ringkasan Kinerja • Pendaptan Bunga Bersih Rp 1.2 T (+11.2% YoY/ +1.2% QoQ) Laporan • Laba Operasional Sebelum CKPN Rp 559 M (+8.0% YoY/ +13.2% QoQ) Laba Rugi • Beban CKPN Rp 61 M (-40.9% YoY/ -60.2% QoQ) • Laba Bersih Rp 388 M (+18.9% YoY/ -3.8% QoQ) • Total Kredit Rp 49.9 T (+9.5% YoY/ +0.5% QoQ)
Slide 6: Target dan Pencapaian
Target dan Pencapaian (%) Target 1Q14 2Q14 3Q14 4Q14 1Q15 Pertumbuhan 14% - 15% 20.3 14.6 11.7 10.5 10.9 Kredit Pertumbuhan Dana Pihak 16% - 17% 26.5 13.4 14.2 15.5 16.1 Ketiga ROA (net) 1.7% - 1.9% 1.9 1.3 1.3 1.5 2.0 ROE (net) 16% - 19% 19.4 14.7 14.5 16.6 21.4 NIM 7% - 7.1% 6.8 6.4 6.7 6.8 6.8 Bi
Slide 7: Rasio-Rasio Keuangan (bank)
Rasio-Rasio Keuangan (bank) Rasio Utama 1Q14 2Q14 3Q14 4Q14 1Q15 Profitabilitas ROA (net) 1.9 1.3 1.3 1.5 2.0 ROE (net) 19.4 14.7 14.5 16.6 21.4 Rasio Efisiensi Rasio Cost to Income 55.4 59.8 59.4 61.8 59.3 BOPO 79.6 85.0 85.2 85.9 78.0 Imbal Hasil Imbal Hasil Asset 12.5 12.4 12.6 12.6 12.1 Biaya Da
Slide 8: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi YoY 1Q14 1Q15 (Rp Miliar) (%) Pendapatan Bunga 2,125 2,265 6.6% Beban Bunga 1,045 1,064 1.8% Pendapatan Bunga Bersih 1,080 1,201 11.2% Fee Based Income 65 88 35.4% Beban Operasional 643 750 16.8% Gain (Loss) on Financial Statement 15 20 34.4% Laba Operasional Sebe
Slide 9: Neraca
Neraca Neraca YoY 1Q14 2Q14 3Q14 4Q14 1Q15 (Rp Miliar) (%) Kas atau Setara Kas 1,607 1,984 1,763 2,768 1,726 7.4% Giro pada Bank 4,622 4,861 4,839 5,178 5,127 10.9% Indonesia Cadangan Sekunder 21,393 18,296 17,411 12,599 24,908 16.4% Kredit (net) 44,329 46,554 47,602 48,028 48,280 8.9% Pembiayaan Sy
Slide 10: Breakdown Kredit (bank)
Breakdown Kredit (bank) Consumer Micro Commercial Mortgage Segmen YoY 1Q14 1Q15 60 (Rp Miliar) (%) Konsumer 29,892 34,681 16.0 % 50 4.4 4.5 4.3 4.3 4.1 Mikro 5,166 4,182 -19.1 % 3.5 3.9 2.9 6.8 6.3 7.2 40 6.8 Komersial 6,091 6,271 3.0 % 2.3 6.1 7.0 7.0 4.2 6.5 4.8 4.5 5.1 5.8 5.2 (Rp tr) 5.4 KPR 4,1
Slide 11: Kredit Konsumer
Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) YoY Indikator Utama 1Q14 1Q15 NPL (RHS) (%) 40 1.0 Posisi Kredit 29,892 34,681 16.0 % 0.9 35 2.6 2.8 2.5 2.4 Ekspansi Netto 0.8 1,035 1,103 6.5% 2.2 (Rp Miliar) 30 2.0 1.7 0.7 1.5 Rata-Rata Per 25 1.1 Debitur 87 98 12.1 % 0.6 (Rp Miliar
Slide 12: Kredit Mikro
Kredit Mikro KMU (LHS) Govt Program (LHS) KCR (LHS) NPL (RHS) YoY Key Ratios 1Q14 1Q15 (%) 6.0 30.0 Posisi Kredit 5,166 4,182 -19.1 % 0.7 Ekspansi Netto 0.7 (187) (324) -72.9% 5.0 0.7 25.0 (Rp Miliar) 0.6 0.6 0.7 0.8 Rata-Rata per 1.3 1.2 55 56 1.9 % 4.0 1.3 0.9 20.0 Debitur 1.2 1.3 (Rp Miliar) 1.3
Slide 13: Kredit Komersial
Kredit Komersial Working Capital (LHS) Investment (LHS) YoY Key Ratios 1Q14 1Q15 Syndicated (LHS) NPL (RHS) (%) 8.0 15.0 Posisi Kredit 6,091 6,271 3.0 % 14.0 7.0 13.0 1.0 1.1 Ekspansi Netto 1.0 12.0 (897) (578) 35.6% 1.2 1.3 (Rp Miliar) 6.0 0.9 11.0 1.1 1.3 0.8 1.3 1.5 10.0 1.5 Rata-Rata per 5.0 1.3
Slide 14: Kredit Pemilikan Rumah
Kredit Pemilikan Rumah Mortgage Loans (LHS) NPL (RHS) YoY Key Ratios 1Q14 1Q15 5,000 15.0 (%) 4,444 4,480 14.0 4,500 Posisi Kredit 4,143 4,480 8.1 % 4,282 4,280 4,143 13.0 4,000 3,911 12.0 Ekspansi Netto 3,506 11.0 232 36 -84.5% (Rp Miliar) 3,500 10.0 3,000 2,916 9.0 Rata-Rata per Debitur 271 254 -6
Slide 15: Breakdown Dana Pihak Ketiga (bank)
Breakdown Dana Pihak Ketiga (bank) Current Account Savings Account Time Deposit Breakdown 70 YoY Dana Pihak Ketiga 1Q14 1Q15 (%) (Rp Miliar) 60 Giro 16,568 25,581 54.4 % 50 31.3 Tabungan 8,874 9,678 9.1 % 28.0 28.5 19.0 Deposito 32,489 31,277 -3.7 % 32.5 40 27.0 26.6 18.6 (Rp tr) 22.6 TOTAL 57,931 6
Slide 16: Kualitas Aktiva Produktif
Kualitas Aktiva Produktif Credit Provision (LHS) Absolute NPL (LHS) PH NPL Gross YoY 2015 Coverage Ratio (RHS) (%) 1Q14 1Q15 (%) (Rp 2,500 100 (Bank only) Miliar) Konsumer 0.11 0.09 -0.02 - 90 2,077 2,030 2,052 Mikro 16.4 25.5 +9.1 65 2,000 1,894 80 Komersial 11.1 11.4 +0.3 63 1,731 70 1,612 1,584 1
Slide 17: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) Commercial (LHS) Consumer Micro Commercial Mortgage Mortgage (LHS) % to Loans (RHS) 100% 2,000 4.5 14 90% 16 17 21 25 1,800 29 4.0 34 36 80% 543 1,600 294 434 19 Absolute Special Mention Loans (Rp bn) 254 3.5 28 19 Special Mention Contribution
Slide 18: Non Performing Loans
Non Performing Loans Consumer (LHS) Micro (LHS) Consumer Micro Commercial Mortgage Commercial (LHS) Mortgage (LHS) 100% % to Loans (RHS) 9 10 10 9 10 11 11 13 9 2,500 4.5 90% 4.0 80% 2,000 35 3.5 37 223 228 264 70% 42 40 39 38 34 Absolute Net Performing Loans (Rp bn) Net Performing Loan/Total Loans
Slide 19: Analisis Imbal Hasil
Analisis Imbal Hasil Others 1.0% Placement to Imbal Hasil Aktiva 1Q14 1Q15 Bank Indonesia Penempatan pada BI 4.4 3.1 Loans 9.5% 71.4% Penempatan pada Bank Lain 3.2 4.7 Interbank Placement 3.1% Surat Berharga 5.9 6.1 Marketable Kredit 15.5 15.0 Securities 15.1% Lainnya 1.0 0.4 Savings Account Biaya D
Slide 20: Komposisi Nasabah
Komposisi Nasabah Consumer Micro Commercial Mortgage Government Corporate Retail 100% 1.9 2.3 2.7 3.1 3.3 100% 3.5 3.6 3.8 3.9 2.0 2.2 2.1 1.9 1.4 1.7 1.9 1.4 1.1 90% 90% 19.9 17.6 16.4 20.7 20.8 20.7 20.4 19.6 18.6 80% 80% 70% 70% Lending Proportion (%) Funding Proportion (%) 60% 60% 84.5 84.3 86.6
Slide 21: Kecukupan Modal
Kecukupan Modal Aktiva •Total Modal sebesar Rp 5.7 T ( +Rp 269 M YoY) Tertimbang 1Q14 1Q15 YoY (%) Menurut Risiko • Total CAR 15.6% (-54bps YoY) (ATMR) Total ATMR 33,596 36,494 8.6 % Penambahan Dampak thd Risiko Kredit 25,290 27,115 7.2 % ATMR Untuk Analisa KPMM ATMR KPMM Ekspansi Rp (%) 7,204 8,150
Slide 22: Kinerja Kredit Konsumer (Detail)
Kinerja Kredit Konsumer (Detail) 22
Slide 23: Kinerja Kredit Konsumer
Kinerja Kredit Konsumer • Total Kredit Konsumer Rp 34.7 T(+16.0% YoY/ +3.3% QoQ) • Ekspansi netto sebesar Rp 4.8tr YoY/ +1.1tr QoQ Pertumbuhan • Total Kredit Konsumer berkontribusi sebesar 69.9% ( +390bps YoY/ +190bps QoQ) • Jumlah Debitur sebesar 355,239 Nasabah (+12,046 YoY/ +4,793 QoQ) • NPL 0.09
Slide 24: Kredit Konsumer
Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) YoY Indikator Utama 1Q14 1Q15 NPL (RHS) (%) 40 1.0 Posisi Kredit 29,892 34,681 16.0 % 0.9 35 2.64 2.52 2.79 Ekspansi Netto 2.41 0.8 1,035 1,103 6.5% 2.21 (Rp Miliar) 30 2.02 0.7 1.74 1.46 Rata-Rata per 25 1.11 Debitur 87 98 12.1 % 0.6 (
Slide 25: Kredit Kepada Pegawai Negeri Sipil
Kredit Kepada Pegawai Negeri Sipil Civil Servant Loans (LHS) NPL (RHS) YoY 35 0.5 Indikator Utama 1Q14 1Q15 (%) 31.9 30.2 Posisi Kredit 27,682 31,888 15.2 % 30 30.9 27.7 29.1 0.4 26.1 Ekspansi Netto 843 951 12.8% 26.8 (Rp Miliar) 25 23.4 25.3 Rata-Rata per 0.3 Debitur 88 99 12.5 % 20 (Rp Miliar) (Rp
Slide 26: Kredit Kepada Pensiunan
Kredit Kepada Pensiunan Pensioner Loans (LHS) NPL (RHS) YoY Indikator Utama 1Q14 1Q15 3,000 0.2 (%) 2,793 Posisi Kredit 2,210 2,793 26.3 % 2,519 2,641 2,500 2,210 2,407 Ekspansi Netto 192 152 -21.1% (Rp Miliar) 2,000 2,018 1,743 0.12 0.12 Rata-Rata per 0.11 Debitur 73 81 10.3 % 0.12 0.12 (Rp Miliar)
Slide 27: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus Nominal Kredit Dalam Perhatian Khusus +8.7% YoY Kontribusi Kredi Pensiunan +6.8% YoY Civil Servant Loans (LHS) Pensioner Loans (LHS) Civil Servant Loans Pensioner Loans Special Mention Loans (RHS) 90 0.5 100% 8.3 10.3 10.5 12.8 12.8 13.8 11.8 15.1 15.2 90% 80 11.6 0.4 8
Slide 28: Non Performing Loans
Non Performing Loans NPL Nominal Kredit Konsumer -1.1% YoY Kontribusi Kredit Pensiunan +7.6% YoY Civil Servant Loans (LHS) Pensioner Loans (LHS) Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) 100% 4.1 3.9 5.2 6.6 7.2 8.5 8.7 9.9 40 0.5 10.2 90% 35 3.0 80% 2.4 0.4 2.2 2.9 1.6 3.3 30 1.3 70
Slide 29: Kinerja Bisnis Syariah
Kinerja Bisnis Syariah 1Q15 bank bjb Syariah 29
Slide 30: Ringkasan Kinerja
Ringkasan Kinerja • Pendapatan Marjin Bersih Rp 75.5 M (+37.4% YoY) Laporan • Beban Operasional Rp 85.5 M (+39.1% YoY) Laba Rugi • Laba Bersih Rp 727 Juta (-27.4% YoY) • Total Pembiayan Rp 4.6 T (+27.3% YoY) Neraca • Total Dana Pihak Ketiga Rp 4.8 T (+37.0% YoY) • Total Aktiva at Rp 6.0 T (+17.0% Yo
Slide 31: Rasio Keuangan
Rasio Keuangan Rasio Utama (%) 1Q14 1Q15 YoY CAR 18.1% 13.7% -4.4% NPF Gross 3.0% 7.2% +4.2% NPF Nett 2.3% 5.0% +2.7% ROA 0.1% 0.1% - ROE 0.7% 0.5% -0.2% NIM 5.6% 6.2% +0.6% BOPO 97.4% 98.7% +1.3% FDR 87.5% 88.5% +1.0% 31
Slide 32: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi 1Q14 1Q15 YoY (Rp Juta) Pendapatan Marjjin 137,639 173,309 25.9% Beban Marjin 82,695 97,811 18.3% Marjin Bersih 54,944 75,498 37.4% Pendapatan Operasional Lainnya 8,175 11,149 36.4% Beban Operasional 61,489 85,544 39.1% Pendapatan Operasional 1,630 1,103 -32.3% Pe
Slide 33: Neraca
Neraca Ringakasan Neraca 1Q14 1Q15 YoY (Rp Juta) Kas atau Setara Kas 27,513 27,806 1.1% Giro pada Bank Indonesia 165,055 220,552 33.6% Cadangan Sekunder 1,082,651 961,291 -11.2% Pembiayaan-net 3,587,975 4,528,102 26.2% Aktiva Tetap-net 164,176 158,884 -3.2% Aktiva Lainnya 95,848 99,126 3.4% Total Ak
Slide 34: Kinerja Bisnis
Kinerja Bisnis Total Financing Total Funding Penyaluran Dana YoY 5.0 1Q14 1Q15 4.8 (Rp Juta) (%) 4.6 4.5 4.6 Murabahah 2,218,215 3,378,998 52.3% 4.2 4.4 14,591 53,150 264.3% Ijarah 4.0 4.1 Pembiayaan 1,259,359 1,116,509 -11.3% 3.5 3.8 3.5 3.7 3.3 3.6 3.6 Qardh 148,930 88,075 -40.9% 3.4 3.1 3.1 3.0 3
Slide 35: Profil Perusahaan
Profil Perusahaan bank bjb 35
Slide 36: Struktur Pemegang Saham
Struktur Pemegang Saham Struktur Pemegang Saham 1Q14 1Q15 Seri A 75.00 75.00 Pemerintah Prop. Jawa Barat 38,26 38,26 Pemerintah Kota/Kab. Se-Prop. 23,61 23,61 Jawa Barat Pemerintah Prop. Banten 5,37 5,37 Pemerintah Kota/Kab. Se-Prop. 7,76 7,76 Banten Seri B 25,00 25,00 Perorangan Dalam Negeri 4,90 4
Slide 37: Road Map
Road Map To Build Sustainable Growth And Excellent Performance Bank 2015 2016-2017 2018 - 2019 2020 Build Strong Quality Growth A Bank With Excellent Ready For Asean Economic Foundation Performance And Services Community (AEC) Strategy Strategy Strategy • Increasing Deposit Market Share • Improving
Slide 38: Aliansi Bisnis dan Strategi
Aliansi Bisnis dan Strategi Sustainable Growth and Excellent Performance Bank Consumer Commercial Consumer Micro & Treasury and Subsidiary & Corporate Loans & Loans Institutions International Companies Loans Mortgage Deposit oImproving Micro oImproving Loans oOrganic And o Enhancing oIncreasing oPro
Slide 39: Jaringan dan Layanan
Jaringan dan Layanan Total bjb employees Others Deposits 2.0 Tr 7,041 Loans 3.2 Tr Total bjb Micro Loans 429 bn customers Profit 17 bn 4,452,735 48,849 Customers 13 Branch Offices 13 Sub Branch Offices 4 Cash Offices 94 ATM Unit 25 Waroeng bjb 407 Employees Jakarta Deposits 10.1 Tr Loans 5.1 Tr Micr
Slide 40: Detail Jaringan dan Layanan
Detail Jaringan dan Layanan No Jaringan Kantor 1Q14 1Q15 YoY 1 Kantor Cabang 62 62 - 2 KCP 306 312 6 3 Kantor Kas 281 313 32 4 Payment Point 112 132 20 5 ATM 1,168 1,197 29 6 Waroeng bjb (A,B & C) 510 486 -24 7 Layanan bjb Precious 11 11 - 8 Sentra UMKM 6 6 - 9 Kas Mobil 11 11 - 10 Weekend Banking 2
Slide 41: Sumber Daya Manusia
Sumber Daya Manusia Educational Breakdown Level 1Q14 1Q15 YoY Up to High School Up to Bachelor Degree Masters and Doctorate Dewan Komisaris 5 4 -1 Up to High Masters and School Doctorate 0% 4% Direksi 4 6 2 Manajemen Puncak 34 30 -4 Manajemen Madya 222 218 -4 Manajemen Lini Pertama 1,626 1,683 57 St
Slide 42: Penghargaan 2014-2015
Penghargaan 2014-2015 Infobank-MRI 2014 Banking Service Excellent Infobank-MRI 2014 Banking Service Excellent Indonesia WOW Brand Award 2014 – Gold Awards – Awards – Champion Category Saving Account (BUKU III) 2nd Best Phone Handling Commercial Banking 1st Best ATM Commercial Banking Infobank Awards
Slide 43: Penghargaan 2014-2015
Penghargaan 2014-2015 BPJS Awards – Innovators For BPJS Infobank Awards – Financial Performance Participation Through Service Point Office BPJS Awards – Regional Strategic Partner 2014 “Very Good” For 15 Years In A Row From (SPO) 1999 - 2013 Corruption Eradication Commission Awards– Corruption Eradi
Slide 44: Perkembangan Harga Saham
Perkembangan Harga Saham Volume (RHS) Price (LHS) Investor Relations Group Menara bank bjb 7th Floor Jl. Naripan 12 – 14 1400 120 Bandung 40111 +6222 4234868 ext 7140/7141 1300 ir@bankbjb.co.id 100 Contact Person: 1200 Muhammad As’adi Budiman Group Head 80 mbudiman@bankbjb.co.id 1100 Irwan Riswandi
Slide 45: Menara bank bjb
Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868