Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — FY2022 Earnings Presentation
28 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Mar 7, 2023
Slide 1: Corporate Presentation FY22
PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk CORPORATE PRESENTATION FY22 March, 7 2023
Slide 2: Macro Economic
MACRO ECONOMIC INDONESIA VS EAST JAVA Indonesia 34 Province BANK JATIM MARKET ECONOMIC GROWTH Contribution SHARE IN EAST JAVA 8,00% 8,15% Asset 6,00% 16,64% 9M22 11,9% 88,1% 5,72% 12,65% 4,00% 5,02% 5,02% 5,45% 5,01% 14,26% 2021 12,3% 87,7% 2,00% 4,59% 5,23% 5,76% 5,58% 4,76% 0% 50% 100% 0,00% FY21
Slide 3: Highlight Financial Performance
HIGHLIGHT FINANCIAL PERFORMANCE Balance Sheet FY21 FY22 YoY Income Statement Ratio FY21 FY22 (In billion Rp) FY21 FY22 YoY In billion Rp ASSET 100,723 103,031 2.29% Interest Income 6,581 6,775 2.94% ROA 2.05% 1.95% Bank Placements 18,935 18,006 -4.90% Interest Expense (1,977) (1,968) -0.47% Net Inte
Slide 4: Strategy for 2023
STRATEGY FOR 2023 BANK JATIM TRANSFORMATION OUTCOME To be Number 1 BPD (Regional Development Bank), strong and highgly competitive. Contribute signicantly to sustainable regional economic growth. INTERMEDIATE TARGET Competitiveness BUSINESS PROCESS Pillars 1 Pillars 2 Pillars 3 Pillars 4 Pillars 5 O
Slide 5: Sustainability Governance
SUSTAINABILITY GOVERNANCE GREEN BANKING CORPORATE SOCIAL RESPONSIBILITY Paperless business activities: E- Corporate Social Filling, SP2D Online, E-Samsat, Responsibility into culture, Jatim Loan, Jatim Kilat, E-KMG. health, education, and social Promo lending rates for green environment apllied busi
Slide 6: Balance Sheet
BALANCE SHEET Information FY21 FY22 YoY 4Q21 3Q22 4Q22 YoY QoQ In bn Rp Total Asset 100,723 103,031 2.29% (279) (10,448) 4,554 -1729.66% -143.59% Bank Placement 18,935 18,006 -4.90% (256) (2,922) 2,202 -960.51% -175.38% Marketable Securities 35,810 35,136 -1.88% 308 (9,986) 2,138 595.09% -121.41% LO
Slide 7: Income Statement
INCOME STATEMENT Information FY21 FY22 YoY 4Q21 3Q22 4Q22 YoY QoQ In billion Rp Interest Income 6,581 6,775 2.94% 1,731 1,735 1,689 -2.40% -2.67% Interest Expense (1,977) (1,968) -0.47% (499) (454) (544) 9.03% 19.75% Net Interest Income 4,604 4,806 4.40% 1,232 1,281 1,145 -7.03% -10.61% Non Int Opt
Slide 8: Financial Ratios
FINANCIAL RATIOS RATIO FY21 3M22 1H22 9M22 FY22 ROA 2,05% 2,31% 2,05% 2,02% 1.95% ROE 17,26% 22,07% 17,58% 15,85% 16,24% NIM 5,11% 5,08% 4,92% 5,17% 5,11% LDR 51,38% 46,31% 45,88% 55,40% 56,50% CAR 23,52% 23,67% 23,31% 22,65% 24,74% BOPO 75,95% 68,43% 74,70% 74,24% 76,15% Coverage Ratio 95,57% 96,43
Slide 9: Third Party Fund
THIRD PARTY FUND FUNDING GROWTH COMPOSITION TICKET SIZE (In Million) Current Account FY21 FY22 YoY FY21 FY22 FY21 FY22 Government 20,666 17,771 -14.01% 24.84% 21.73% 160,201.9 136,697.4 Private 5,310 5,864 10.43% 6.38% 7.17% 35.9 39.2 Total 25,976 23,635 -9.01% 31.22% 28.90% 175.3 157.8 Saving Accou
Slide 10: Loan Growth
LOAN GROWTH 60.000 8,16% 8,06% 10,00% 6,83% 3,06% 2,21% 50.000 1,38% 45.976 46.197 43.540 0,00% 42.750 42.307 41.481 5.725 6.344 40.000 5.025 5.303 4.344 5.091 -10,00% 11.751 11.199 10.332 10.464 9.910 10.660 30.000 -20,00% 20.000 -30,00% 26.806 27.261 27.306 27.577 28.500 28.654 10.000 -40,00% 0 -5
Slide 11: Loan
LOAN LENDING GROWTH COMPOSITION TICKET SIZE (In Million) CONSUMER FY21 FY22 YoY FY21 FY22 FY21 FY22 Multi Purpose 22,369 23,867 6.70% 52.32% 51.66% 96.7 96.7 Mortgage 2,523 2,393 -5.13% 5.90% 5.18% 184.3 177.2 Other 2,369 2,394 1.04% 5.54% 5.18% 329.8 271.7 Total 27,260 28,654 5.11% 63.77% 62.03% 10
Slide 12: Loan Breakdown
LOAN BREAKDOWN 40.050 40.659 43.384 43.982 262 337 390 396 Current 784 62 1.086 83 882 61 905 79 Special Mention 63 25 48 17 66 25 51 19 Sub Standard 92 37 85 33 78 31 78 28 Doubtful 1.762 1.446 1.661 1.314 1.567 1.201 1.180 797 Loss Loan FY21 Impairment Loan 1H22 Impairment Loan 9M22 Impairment Loa
Slide 13: Non Performing Loan
NON PERFORMING LOAN 4,76% 4,42% 4,40% 4,48% 4,20% 0,66% 4,12% 4,00% 0,62% 0,59% 0,61% 0,60% 2,83% 3,72% 0,55% 2,66% 0,63% 2,61% 2,63% 2,49% 0,61% 2,43% 2,33% 1,98% 2,83% 0,60% 1,19% 1,03% 0,96% 1,01% 0,99% 0,99% 1,01% 0,89% 0,91% 0,93% 1,12% 1,20% 1,16% 1,24% 1,28% 1,16% 1,13% 1,02% 1,04% FY20 3M21
Slide 14: COVID-19 Loan Restructure
COVID-19 LOAN RESTRUCTURE COVID LOAN RESTRUCTURED LOAN SECTOR TOTAL OUTSTANDING OUTSTANDING COMPOSITION NPL CONSUMER 28,654 158 0.55% 5.90% COMMERCIAL 11,199 3,558 31.77% 1.02% SME 6,344 210 3.30% 1.38% TOTAL 46,197 3,925 8.50% 1.24% 4.087 3.995 3.925 3.713 Restructured Loan 3.188 Trend (In Billion)
Slide 15: Digitalization with JConnect
DIGITALIZATION WITH JCONNECT
Slide 16: Optimum Strategy 2023
OPTIMUM STRAWEIeR ees: Training & Certification to eA bss] Lo ( 7 ) support human resources 0 capabilities in preparing eae P= a grodernization and Business Intelligence ligital transformation to Support Business Branch and Division © i >a OD prim MS Ue nine & (Veer Dynamic (3) tales :: Enhancement
Slide 17: Guidance & Outlook 2023
GUIDANCE & OUTLOOK 2023 Actual Target Actual Target Description 2021 2022 Rev 2022 2023 E Total Asset 20,45% 2 - 3% 2,29% 1-2% Loan 3,06% 4 - 5% 8,06% 12-13% Third Party Fund 21,52% 2 - 3% -1.72% 8-9% Pre Tax Profit 28,57% 1 - 2% 4.75% 5-6% Financial Ratio - CAR 23,52% 22 - 23% 24.74% 22-23% - LDR 5
Slide 18: Compound Annual Growth Rate
COMPOUND ANNUAL GROWTH RATE INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) 2,0 2,0 6,6 6,8 1,9 1,7 1,5 6,0 8,80% 1,5 1,5 5,8 6,67% 8,87% 1,4 5,1 1,3 4,8 4,8 1,3 1,4 1,4 1,4 1,2 4,6 4,1 1,2 1,0 0,9 0,9 3,3 0,9 0,8 0,8 0,8 2,9 0,8 0,8 0,7 2,7 2,8 0,7 0,7 0,7 0,7 2,0 2,1 0,5
Slide 19: Appendix
bankjatim y 7 APPENDIX
Slide 20: Quarterly Balance Sheet
QUARTERLY BALANCESHEET Information FY17 FY18 FY19 FY20 3M21 1H21 9M21 FY21 3M22 1H22 9M22 FY22 In billion Rp Total Asset 51.519 62.689 76.715 83.619 89.648 95.479 101.003 100.723 105.654 108.925 98.477 103,031 Loan 31.754 33.893 38.352 41.481 41.731 42.597 43.036 42.750 42.307 43.540 45.976 46,197 A
Slide 21: Quarterly Income Statement
QUARTERLY INCOME STATEMENT Information FY18 FY19 FY20 3M21 1H21 9M21 FY21 3M22 1H22 9M22 FY22 In billion Rp Interest Income 5.137 5.766 6.013 1.575 3.185 4.851 6.581 1.674 3.350 5.086 6,775 Interest Expense (1.414) (1.723) (1.891) (493) (988) (1.479) (1.977) (467) (971) (1.425) (1,968) Net Interest
Slide 22: Loan Growth
LOAN GROWTH CONSUMER FY17 FY18 FY19 FY20 FY21 3M22 1H22 9M22 FY22 Multi Purpose 18.431 19.285 20.920 22.033 22.369 22.477 22.753 23.695 23,867 Mortgage 1.777 1.945 2.281 2.452 2.523 2.486 2.468 2.437 2,393 Other 2.080 2.282 2.182 2.321 2.369 2.343 2.356 2.367 2,394 Total 22.288 23.512 25.383 26.806
Slide 23: Stocks Ownership
STOCKS OWNERSHIP TOP 10 B SERIES NATION Foreign Investor (7,76%) – B Series B Series Share Share No Nation FY21 FY22 East Java City & Municipal Government 1 Indonesia 52,10% 66.44% (28,35%) – A Series 2 United States 19,58% 16.50% 3 Luxembourg 5,05% 4.65% 4 Finland 6,49% 4.22% Domestic FY21 FY22 5 1
Slide 24: Stocks
STOCKS 31 Des 2022 Payment of Rp 735,- Net Dividen Fiscal Dividend Profit Payment year Cash Per (IDR bn) Ratio Share (IDR) 12 Juli 2012 2017 56,96% 44,10 1.159 Rp 430,- 2018 45,61 1.260 54,26% 2019 48,20 1.377 52,58% 2020 48,85 1.489 49,26% 2021 52,11 1.523 51,37% BJTM Price Des 31, 2022 IDR 735/ sh
Slide 25: Awards
AWARDS The Most Efficient in Banking Digital Innovation for Sustainable Bank Penyalur KUR Terbaik Operation for BPD Business - JConnect “Dirjen Perbendaharaan Jawa Timur” “CNBC Indonesia Awards 2022” “MNC Awards” 3rd Best Overall Performance 2nd Bank Umum Konvensional Top Digital Implementation 2022
Slide 26: Board of Commissioners
BOARD OF COMMISIONERS SUPRAJARTO SUMARYONO M. MAS’UD SAID CANDRA FAJRI ANANDA HERU TJAHJONO President Commissioner Independent Independent Independent Commisioner Commissioner Commissioner Commissioner Education Education • Doctor of Business Education Education Education • Doctor of Brawijaya Manag
Slide 27: Board of Directors
BOARD OF DIRECTORS BUSRUL IMAN EKO SUSETYONO R. ARIEF WICAKSONO ZULHELFI ABIDIN TONNY PRASETYO EDI MASRIANTO President Director Director of Risk Director of Micro, Retail, Director of IT & Digital Act. Compliance Director of Finance, Management and Medium Director Treasury & Global Services Experien
Slide 28: Thank You
THANK YOU
PT Bank Pembangunan Daerah Jawa Timur — FY2022 Earnings Presentation on 6ix