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) — FY2010 Earnings Presentation
11 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2011
Slide 1: Ownership
Material Presentations FY 2010 Report Ownership B Series Breakdown Ownership Shares % Local Local Retail 346,921,000 14.31% EMSA 77,267,000 3.19% Cooperatives 9,000 0.00% Foundations 9,127,000 0.38% Pension Funds 158,296,500 6.53% Insurances 165,795,000 6.84% Ltd Company 35,597,335 1.47% Mutual Fund
Slide 2: Distribution Network and Branch Expansion
Distribution Network Distribution Network bank bjb per December 10: • 51* Branches • 48 Cash Offices • 135 Sub Branches • 41 Payment Point • 1 Mobile Office • 385 ATM Bank bjb ATM Card can accessed by 167.705 ATM by: • 22.290 ATM Bersama Network • 15.407 PRIMA ATM • 130.008 PRIMA Debit Points Branch
Slide 3: Human Resources: Management Team
Human Resources Management Team Agus Ruswendi, President Director Past experiences include President Director – bank bjb (2007 - • Appointed President Director 4 April Present), Director of Funding & Services – bank bjb (2005 - 2007), Head of 2007 • Years of Experience at Bank Jabar Treasury – bank
Slide 4: Board of Commissioners
Board of Commisioners Lex Laksamana Zainal Lan, President Commissioner Past experiences include President Commissioner of bank bjb(2006 - Present), Jawa Barat Provincial Secretary (2006 - Present), Assistant of Regional Secretariat of Jawa Barat on Economic Affairs (2004 - 2006) and Head of Environm
Slide 5: Financial Highlights and Ratios
Financial Highlights Gross Profit Net Profit 1,219,628 890,171 985,377 709,106 818,946 542,162 504,297 552,707 446,889 370,667 302,442 256,636 ```````````````````````````````````````````````````````````````` 2005 2006 2007 2008 2009 2010 2005 2006 2007 2008 2009 2010 Ratios CAR NIM 22.85% 9.77% 21.2
Slide 6: Ratios and Deposits Breakdown
Ratios LDR NPL 87.33% 89.44% 82.47% 1.97% 1.86% 75.67% 79.02% 71.14% 0.70% 0.78% 0.45% 0.41% 2005 2006 2007 2008 2009 2010 2005 2006 2007 2008 2009 2010 Operational Expenses to Operational Income 80.39% 79.42% 78.04% 77.30% 76.60% 75.41% 2005 2006 2007 2008 2009 2010 Deposits Breakdown Business Dec-
Slide 7: Loans Breakdown and The Big 3 Debtors
Loans Breakdown Commercial Business Dec - 10 Dec - 09 Consumer Banking Banking Micro Banking Sharia Banking Conventional 93.23% 96.39% •Kredit Multiguna •Working Capital •Kredit Mikro •Murabahah Bhakti (Civil above Rp. 100 Utama •Mudharabah Sharia 6.77% 3.61% Servant and million •Kredit Usaha •Musya
Slide 8: Consumer Banking and Micro Banking
Consumer Banking • bank bjb have a strong customer Resume based in consumer banking, per 31 Interest Rate 9% - 12% pa flat Dec 2010, 72,74% of total loan book are contributed by consumer loan. Loan Period 10 years max • Kredit Multiguna Bhakti is our main Collateral Non consumer banking product, Thi
Slide 9: Commercial Banking and Strategy
Commercial Banking • bank bjb provide some loans and services for commercial segment. • Currenty we manage more than Rp. 3,6 T loan portfolio in this kind of market. • These are some product of commercial banking : Syndicated Working Capital Investment Construction Loan • In this 2011, we are develo
Slide 10: Achievements and Bond Issue
Achievements • Bandung Service Excellence Award, The Best Bandung Service Excellence Champion, Category: Conventional Banking 2010 • Investor Award, Best CEO, Category: Regional Bank • Infobank Platinum Award for BPD (1st Best ATM, 1st Best Security, 2nd Best Phone Handling, 3rd Overall performance)
Slide 11: Asset Buy and Q&A
Asset Buy • We buy civil servants outstanding loan from others BPDs (Regional Development Bank) starts November 2010 • Per 31 Dec 2010, we’ve buy for Rp. 466,644 Bio, (which come from 2 banks). Q&A