Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk (bank bjb) — FY2021 Earnings Presentation
42 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2022
Slide 1: Corporate Presentation - Analyst Meeting FY 2021
\ bank bjb CORPORATE PRESENTATION PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk Analyst Meeting FY 2021 -— 7 ae _ a a a a“ a -
Slide 2: FY 2021 Performance - Consolidated
FY 2021 Performance Consolidated
Slide 3: Loan and Deposit Growth vs Industry
• • • • • • • • • • • • 5,0 5,0 - - 10,0 15,0 20,0 25,0 10,0 15,0 20,0 25,0 (5,0) (5,0) 4Q17 4Q17 1Q18 1Q18 2Q18 2Q18 3Q18 3Q18 4Q18 4Q18 1Q19 1Q19 % Loan Growth (YoY) 2Q19 2Q19 % Deposit Growth (YoY) 3Q19 3Q19 4Q19 4Q19 1Q20 1Q20 2Q20 2Q20 3Q20 3Q20 FY20 FY20 1Q21 1Q21 2Q21 2Q21 3Q21 3Q21 4Q21 4Q21
Slide 4: Income Statement
Income Statement Consolidated Income Statement Rectistenthig) ED) FY20 FY21 Interest Income 12,621 13,214 4.7% 594 Interest Expense 6,123 5,314 -13.2% (809) Net Interest Income 6,497 7,901 21.6% 1,403 Fee Based Income 955 1,330 39.3% 375 Operating Expense 5,674 6,341 11.8% 667 Gain (Loss) on Financi
Slide 5: Balance Sheet
Balance Sheet Consolidated FY20 1921 202 302 FY21 ro 3,689 2238 2351 2,492 3,748 1.6% Current Account with BI 8,046 3,245 3,944 4,165 11,900 47.9% Secondary Reserves 28,568 35,588 41,033 45,917 34,395 20.4% Loans-net 87,695 89,376 89,572 93,148 94,003 7.2% Financing-net 5,604 5,722 5,999 6,019 6,290
Slide 6: Key Ratios
Key Ratios Bank Only Key Ratios FY20 2021 3Q2 FY21 Profitability ROA (net) 1.3 14 1.3 13 14 ROE (net) 14.3 15.3 14.8 14.9 15.8 Cost Ratios Cost to Income Ratio 71.1 67.1 67.4 66.7 67.0 Expenses Ratio 84.0 82.5 83.1 82.9 81.9 Yield Asset Yield 10.1 94 94 9.3 9.3 Cost of Fund 49 41 3.9 3.8 3.6 NIM 54
Slide 7: FY 2021 Performance - Bank Only Details
FY 2021 Performance Bank Only Details
Slide 8: Loans Breakdown
Loans Breakdown Bank Only 120 100 m= Consumer mMicro mCommercial m Mortgage oa pay 8 Consumer 59.895 61,916 3.4% Micro 6,140 6,015 -2.0% Commercial 16,255 19,740 21.4% Mortgage 6,806 7,772 14.2% Total Gross Loans 89,096 95,443 7.1% IDR 89,026 94,431 +6.1% Forex 70 1,012 +1345.7%
Slide 9: Consumer Loans
Consumer Loans Bank Only "=== Civil Servant Loans (LHS) mmm Pensioner Loans (LHS) -——NPL (RHS) Key Indicators FY20 FY21 Tor 70 1,0 (%) 09 Loans Outstanding 59,895 61,916 3.4% 60 08 Net Expansion YtD (Rp bn) 3,586 2,021 -43.6% 50 07 Avg. Loans Outstanding 121 120 0.4% (Rp mn) 06 40 tr No of Account 4
Slide 10: Micro Loans
Micro Loans Bank Only 7,0 6,0 5,0 40 (Rp tr) 3,0 2,0 10 ‘ KMU (LHS) mami Govt Program (LHS) mmm Others (LHS) ——NPL (RHS) 3,0 25 2,0 15 10 05 0,0 ( Key Indicators FY20 FY21 Yor (%) Loans Outstanding 6,140 6,015 -2.0% Net Expansion YtD (Rp bn) 383 (125) 132.6% Avg. Loans Outstanding 158 153 3.1% (Rp m
Slide 11: Commercial Loans
Commercial Loans Bank Only Working Capital (LHS I LHS ‘== Working Capital (LHS) mmm Investment (LHS) Key Indicators FY20 FY21 yoy mim Syndicated (LHS) NPL (RHS) (%) 25,0 15,0 140 Loans Outstanding 16,255 19,740 21.4% 13,0 ‘ " Net Expansion 200 120 YtD (Rp bn) 3,030 3,486 15.0% mo Avg. Loans Outstand
Slide 12: Mortgage Loans
Mortgage Loans Bank Only 9,00 8,00 7,00 6,00 5,00 (Rpt) 4,00 3,00 2,00 1,00 0,00 j= Mortgage Loans (LHS) —=—==NPL (RHS) 15,0 14,0 13,0 12,0 11,0 10,0 9,0 8,0 7,0 6,0 5,0 4,0 3,0 2,0 1,0 (%) Key Indicators FY20 FY21 Yor (%) Loans Outstanding 6,806 7,772 14.2% Net Expansion YtD (Rp bn) 582 966 65.9% A
Slide 13: Deposit Breakdown
Deposit Breakdown Bank Only m= Current Account Savings Account mTime Deposit Deposits Breakdo' FY20 FY21 (Rp bn) 140 Current Account 19,163 26,009 35.7% 120 Saving Account 22,267 24,685 10.9% 100 Time Deposit 58,129 62,807 8.0% 80 TOTAL 99,599 113,501 14.0% (Rp tr) 60 CASA Ratio (%) 41.6 44.7 43.1 4
Slide 14: Guidance
Guidance (%) Loans Growth Deposit Growth ROA (net) ROE (net) NIM Cost of Fund Coverage Ratio Gross NPL CASA Ratio 2022 9-10 9-10 iL3= 15 15-16 54-57 3.0-3.5 150-160 13-15 40-45 FY20 9.3 19.5 18 14.3 54 49 139.4 14 41.6 1Q21 10.3 18.5 14 15.3 5.5 41 140.6 2Q21 68 21.0 18 148 5.6 3.9 150.7 13 43.3 3Q2
Slide 15: Special Mention Loans
Special Mention Loans L Consumer (LHS) samm Micro (LHS) mmm Commercial (LHS) mmm Mortgage (LHS) —% to Loans (RHS) Consumer Micro m™Commercial m™ Mortgage 3.000 35 100% 90% 25 3,0 28 2.500 80% 37 34 31 25 70% 2.000 19 60% 18 22 20 10 is 5 1.500 50% 8 4 5 6 6 40% 1.000 , a 71 | ; 11 Special SP80w Ment
Slide 16: Non Performing Loans
Non Performing Loans sss Consumer (LHS) mmm Micro (LHS) mmm Commercial (LHS) Consumer mMicro mCommercial mMortgage mmm Mortgage (LHS) ~——% to Loans (RHS) 100% 1.600 1,80 90% 1.400 1,60 80% 1,40 1.200 70% (Rp bn) 1,20 1.000 60% 1,00 50% 800 0,80 nt Cn 600 0,60 Perl 30% Absptte Nor 0,40 20% 200 0,20 1
Slide 17: Yield Analysis
Yield Analysis Others 1,6% Placement to BI 5,1% Interbank Placement 5.3% Marketable Securities 13,8% Loans TAN% Interbank Lending 9.8% Time Deposit 477% ‘Current Account 19.7% Savings Account 18,7% aan FY20 FY21 Placement to Bank Indonesia 2.3 2.0 Interbank Placement 28 68 Securities 5.9 5.1 Loans Y
Slide 18: Capital Adequacy
Capital Adequacy isk Weighted Asset YoY (RWA) FY20 FY21 (%) *Total Capital Rp 14.8 tr (+Rp 1.9Tr YoY) Total RWA 73,923 82,558 11.7% * Total CAR at 17.9% (+47 bps YoY) Credit Risk 55,895 62,831 12.4% Addition to RWA/ veri nace ro CAR CAR Analysis Risk Weighting Rpitr Net ran ° Operational Risk 13,211
Slide 19: FY 2021 Performance - Consumer Loans Details
FY 2021 Performance Consumer Loans Details 19
Slide 20: Civil Servant Loans
Civil Servant Loans (Retr ‘= Civil Servant Loans (LHS) © ——NPL (RHS) 45,4 0,5 (%) Key Indicators FY20 FY21 Loans Outstanding 42,940 45,389 5.7% \WoReEA 2,332 2,449 5.0% Avg. Loans Outstanding 112 14 14% (Rp mn) No of Account 383,300 399,445 4.2% Median Interest Rate 11.00%-15.75% eff. p.a Gualty FY2
Slide 21: Pensioner Loans
Pensioner Loans tm Pensioner Loans (LHS) —NPL (RHS) 17,5 0,3 (%) Key Indicators FY20 FY21 Loans Outstanding 16,955 16,528 -2.5% Net Expansion YtD (Rp bn) 1,253 (428) -134.1% Avg. Loans Outstanding 152 144 -4.9% (Rp mn) ° No of Account 111,658 114,485 2.5% Median Interest Rate 11.00%-15.50% eff. p.a
Slide 22: FY 2021 Performance - bank bjb Sharia Performance
FY 2021 Performance bank bjb Sharia Performance 22
Slide 23: Result Summary - bank bjb Sharia
Result Summary bank bjb Sharia Income Statement Balance Sheet Ratios (bank only) Net Financing Income at Rp 463.2 bn (+29.6% YoY) PPOP at Rp 133.1 bn (+196.2% YoY) Net Income at Rp 21.9 bn (+494.7% YoY) Total Financing at Rp 6.4 tr (+11.4% YoY) Total Deposits at Rp 7.9 tr (+18.3% YoY) Total Asset at
Slide 24: Income Statement - bank bjb Sharia
Income Statement bank bjb Sharia Income Stat (Rp mn) Financing Income Financing Expense Net Financing Income Other Operating Income Operating Expense PPOP Loan Loss Provision Non Operating Income (Expense) Income (loss) Before Tax Tax Expense Net Income (Loss) FY20 669,495 312,157 357,338 31,377 343
Slide 25: Balance Sheet - bank bjb Sharia
Balance Sheet bank bjb Sharia (Rp Mn) Cash Current Account with Bank Indonesia Secondary Reserves Financing-net Fixed Asset-net Other Asset Total Asset Total Funding Fund Borrowings Others Total Liabilities Total Equity FY20 80,936 233,480 2,382,597 5,605,056 305,429 276,856 8,884,354 6,664,550 903,
Slide 26: Key Ratios - bank bjb Sharia
Key Ratios bank bjb Sharia (%) CAR NPF Gross NPF Nett. ROA ROE BOPO FDR NIM FY20 24.1 5.3 2.9 0.4 0.5 95.4 86.6 5.1 FY21 23.5 3.4 18 1.0 21 88.7 81.5 5.6 YoY 0.5 16 0.5 26
Slide 27: Financing and Funding Breakdown
Financing and Funding Breakdown bank bjb Sharia nt FY20 FY21 ro Murabahah 3,750,523 4,076,138 8.7% Qardh 149,980 142,188 -5.2% Financing 1,859,723 2,199,567 18.3% Istishna 1,283 976 -23.9% Total Gross Financing 5,761,509 6,418,869 11.4% a rae By Wadiah Current Account 133,075 144,619 8.7% Wadiah Sav
Slide 28: Company Profile
Company Profile 28
Slide 29: Board of Commissioners
Board of Commissioners dm From Left to Right Farid Rahman Independent President Commissioner Last Position President Commissioner of Bank Woori Saudara (2014-2019) 2 Muhadi Commissioner Last Position Commissioner of bank bjb (2015-2019) Fahlino F. Sjuib Independent Commissioner Last Position Board M
Slide 30: Directors
Directors From Left to Right Tedi Setiawan Director of Operations Last Position Rio Lanasier Director of IT, Treasury & International Banking Nancy Adistyasari Director of Commercial & MSME Yuddy Renaldi President Director Suart Director of Consumer & Retail Nia Kania Director of Finance Last Dit Fi
Slide 31: Network Distribution
Network Distribution bjb Network FY20 FY21 YoY h E Sumatera Kalimantan Branch 65 65 - iow $ . Sub Branch 315 874 559 ; Cash Offices 346 - -346 Riau N Ww . dl ‘sland Payment Point 213 - -213 ; Pd south ATM 1772 1,798 +16 Sumatera bjb Precious 18 18 2 ® J MSME Center 6 6 : ka “we South Mobile Cash 51
Slide 32: Human Capital
Human Capital Level Board of Commissioners Directors Top Management Senior Management Middle Management First Line Management Staff Employee in Pension Preparation Total Permanent Total Non Permanent Total FY20 1,034 8,686 FY21 1,019 8,565 Educational Breakdown Master of Doctorar Upto Bachelor Degre
Slide 33: Shares and Ratings Information
Shares and Ratings Information Shares Issued shares 9.838.787.161 shares (Dec 31', 2021) —sc iar Dec 31%, 2021 Price 1.335 1PO- July 2010 MCap Rp13,2 Tr Price 600 BVRp13,0 Tr MCap Rp5,8 Tr BVRp48 Tr 7-10 101001-104- 107-11 10-101-12061207-1210-12011304-1307-1310-1301-1406-1407-1410-401-1504-1507-151
Slide 34: Environment, Social and Governance (ESG)
FY 2021 Performance Environment, Social and Governance (ESG) 34
Slide 35: Sustainable Finance Portfolio and Financial Inclusion
Sustainable Finance Portfolio Financial Inclusion Sustainable portfolio amounting to bjb INDAH bjb PESAT (Integrated Community 34.616 Rp. 7,6 Tr Economic Empowerment) participant Financing of infrastructure MSME business project and procurement of Pesat Rapid activity Pesat Go Digital Pesat New good
Slide 36: Social Value Creation
Diversity Social Value Creation by gender by age P 53 10.454 48% 11% > 50 TH L 109 1 & 2 Doses are given to employees, family Of total female Of total female in P L member and communities employee Executive > 31-50 TH 2.231 2.816 management level L Bank bjb’s aims to reduce paper use > 19-30 TH 922
Slide 37: Bank bjb Synergy Program - Becoming Hybrid Bank
Bank bjb Synergy Program Becoming Hybrid Bank APBD Tax & Levy Receipts Regional Cash Management SP2D Online, eTax, eSamsat, dll Synergy bank bjb with INCOME West Java EXPENDITURE Provincial Infrastructure Government bjb Indah (Regional Infrastructure) MSME Skema Kerjasama Kemitraan Financial Transac
Slide 38: Sustainable Governance Awards
Sustainable Governance Awards SNI ISO 37001 Gratification Control Sistem Manajemen Anti Unit Penyuapan (SMAP) Management and all Commitment of employees are commited to gratification control apply the implementation of program and LHKPN between bjb and KPK 1st The Best SMAP in any form. Indonesia GC
Slide 39: Awards
The Best Public Relations 1st The Best Indonesia’s Most Popular Excellent For The Financial Top 50 Mid Capitalization Public Infobank Digital Brand Awards Enterpreneurial Marketing In Company Strategy Indonesia GCG Award VI 2021 Digital Financial Brands Performance During Listed Company 2nd Rank App
Slide 40: Awards
Excellent – Core Capital Rp5 T – TOP BUMD Award #5 2021 TOP CEO BUMD 2021 TOP of the TOP BUMD 2021 Indonesia Top Bank Awards 2021 The Most Innovative Bank IHCA 1st Best Indonesia Rp30 T (BUKU 3) TopBusiness TopBusiness TopBusiness The Iconomics Transformation Human Capital 2021 Infobank Bisnis Indon
Slide 41: Awards
TOP GRC 2021 The Most Commited The High Performing Inspiring Company The Best Financial ESG Disclosure Awards 2021 Asia Sustainability Reporting Top Business On GRC 2021 Corporate Secretary Awards 2021 Performance Bank “Leadership AA” Rating 2021 : Platinum Rank Top Business on GRC 2021 Republika Re
Slide 42: Contact Information
Zz bank bjb Contact Information ; Contact Person Investor Relations ) DeviFajarNugraha Menara bankbjb7th Floor | IR Head Jl.Naripan 12-14 | di Bandung 40111 | Gekan Purnama Zainal +622 4234868 | IR Manager ir@bankbjb.co.id | gzainalabankbjb.co.d Disclaimer: This report has been prepared by PT Bank P