PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk — Bank BJB — Q3 2015 Earnings Presentation
47 slides from PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, Sep 30, 2015
Slide 1: Ringkasan Kinerja per 30 September 2015
Lebih Besar, Lebih Kuat, Lebih Baik bank bjb Ringkasan Kinerja per 30 September 2015
Slide 2: Daftar Isi
Daftar Isi Hal. 3 Ekonomi Makro Hal. 4 Sektor Perbankan Hal. 5 Ringkasan Kinerja Hal.6 Target dan Pencapaian Hal. 7 Rasio - Rasio Keuangan (bank) Hal. 8 Laporan Laba Rugi Hal. 9 Neraca Hal.10 Breakdown Kredit Hal.15 Breakdown Dana Pihak Ketiga Hal.16 — Kualitas Aktiva Produktif Hal.19 — Analisis Imb
Slide 3: Ekonomi Makro
GDP Growth BI Rate Consumer Confidence Index 10 140 120 8 Index (points) 100 6 80 (%) 4 60 2 40 20 0 0 CPI 1M JIBOR USDIDR 10Yr Govt Bond 14 15000 25 14000 12 20 13000 10 12000 Yield (%) USD IDR 11000 15 8 (%) 6 10000 10 9000 4 8000 5 2 7000 0 6000 0
Slide 4: Sektor Perbankan
Loans Growth Deposit Growth 40.0 35.0 • 30.0 YoY Growth (%) 25.0 20.0 • 15.0 10.0 5.0 - • • Investment Loans WC Loans Consumer Loans 60 50 YoY Growth (%) 40 30 20 10 -
Slide 5: Ringkasan Kinerja
Ringkasan Kinerja Laporan Laba Rugi Rasio Keuangan (bank) Pendapatan Bunga Bersih Rp 3.5 T (+8.4% YoY/ +7.5% QoQ) Laba Operasional Sebelum CKPN Rp 1.4T (-4.2% YoY/ +46.0% QoQ) Beban CKPN Rp 255 M (-49.8% YoY/ +78.6% QoQ) Laba Bersih Rp 864 M (+20.6% YoY/ +44.9% QoQ) Total Kredit Rp 54.7 T (+11.2% Yo
Slide 6: Target dan Pencapaian
Target dan Pencapaian (%) Target 3014 4014 10'15 2015 3015 Pertiumnléeltem 13% - 14% W7 95 10.9 94 12 Kredit Dane Pinal ketiga 14% - 15% 142 15.5 16.1 324 26.8 ROA (net) 1.4% - 1.7% 13 15 2.0 14 14 ROE (net) 16% - 19% 14.5 16.6 214 16.5 16.9 NIM 6.2% - 6.5% 67 68 68 6.0 6.0 Biaya Dana 5.2% - 5.5% 5.
Slide 7: Rasio-Rasio Keuangan (bank)
Rasio-Rasio Keuangan (bank) bank bjb Rasio Utama 3Q'14 4Q'14 10115 2015 3Q'15 Profitabilitas ROA (net) 1.3 15 2.0 14 14 ROE (net) 14.5 16.6 214 16.5 16.9 Rasio Efisiensi Rasio Cost to Income 59.4 61.8 59.3 67.5 66.5 BOPO 85.2 85.9 78.0 84.4 84.3 Imbal Hasil Imbal Hasil Asset 12.6 12.6 12.1 11.8 11.9
Slide 8: Laporan Laba Rugi
Laporan Laba Rugi bank bjb Laporan Laba Rugi Posisi YoY Pertumbuhan Q0Q (Rp Miliar) 9M'14 = OM15 (%) 2015 3Q'15 (%) Pendapatan Bunga 6,539 7,319 11.9% 2,517 2,537 0.8% Beban Bunga (3,264) (3,770) 15.5% 1,385 1,321 4.7% Pendapatan Bunga Bersih 3,275 3,549 8.4% 1,132 1,216 7.5% Fee Based Income 230 33
Slide 9: Neraca
Neraca ba (Rp Milian 30°14 4014 1015 2015 3Q’15 io Kas atau Setara Kas 1,763 2,768 1,726 2,422 1,891 7.2% Giro pada Bank Indonesia 4,839 5,178 5,127 7,317 6,607 36.5% Cadangan Sekunder 17,411 12,599 24,908 27,415 26,018 49.4% Kredit (net) 47,602 48,028 48,280 50,951 53,193 11.7% Pembiayaan Syariah (
Slide 10: Breakdown Kredit (bank)
Breakdown Kredit (bank) bank bjb Consumer mMicro mCommercial Mortgage 7 Segmen YoY 60 , , (Rp Miliar) 3Q'14 3Q’15 (%) Konsumer 32,721 37,241 13.8% 50 5 43 44 Mikro 4,796 3,607 -24.8% 40 + Komersial 7,190 9,172 27.6% 530 | KPR 4,280 4,475 45% Total Kredit 48,987 54,494 11.2% 20 + 36.2 372 31.5 327 33
Slide 11: Kredit Konsumer
Kredit Konsumer 40 35 30 25 Civil Servant Loans (LHS) mms Pensioner Loans (LHS) ———NPL (RHS) r 1.0 r 0.4 0.0 (%) Indikator Utama 3014 30°15 Yoy (%) Posisi Kredit 32,721 37,241 13.8% Ekspansi Netto 9 (Rp Miiliar) 3,864 3,662 -5.2% Rata-Rata Per Debitur 94 103 9.1% (Rp Miliar) Jumlah Debitur 347,859 3
Slide 12: Kredit Mikro
Kredit Mikro bank bjb KMU (LHS) mmm Govt Program (LHS) mamma Others (LHS) ====NPL (RHS) . YoY Key Ratios 3Q'14 3Q'15 (%) 60 5 ; 30.0 Posisi Kredit 4,796 3,607 -24.8% Ekspansi Netto 9 5.0 4 + 25.0 (Rp Miliar) (557) (898) (61.2%) Rata-Rata per 40 4 + 20.0 Debitur 56 60 5.7% (Rp Miliar) = eS Jumlah Deb
Slide 13: Kredit Komersial
Kredit Komersial bank bjb Working Capital (LHS) mam Investment (LHS) YoY mmm Syndicated (LHS) ——=NPL(RHS) Key Ratios 3Q'14 3Q’15 (%) 10.0 15.0 Posisi Kredit 7,190 9,172 27.6% 14.0 9.0 13.0 8.0 120 ES pansi Netto 201 2,322 1055.2% (Rp Miliar) 11.0 7.0 Rata-Rata per 6.0 9.0 Debitur 805 1,251 55.4% Rp
Slide 14: Kredit Pemilikan Rumah
Kredit Pemilikan Rumah bank bjb Mortgage Loans (LHS) ===NPL(RHS) Key Ratios 30°14 3015 iy 5,000 5 15.0 4,4444,4804,5034,475 14.0 Posisi Kredit 4,280 4,475 4.5% 4500 + 4,2824,280 4143 Eo 4,000 - 3,911 12.0 " Ekspansi Netto a 369 31 -91.6% 3,506 11.0 (Rp Miliar) ° 3,500 + 10.0 2916 Rata-Rata per SED 5
Slide 15: Breakdown Dana Pihak Ketiga (bank)
Breakdown Dana Pihak Ketiga (bank) Current Account mSavings Account Time Deposit Breakdown 90 5 Dana Pihak Ketiga 3014 3Q’15 io (Rp Miliar) ° 80 | Giro 23,886 29,467 23.4% 70 + Tabungan 9,518 10,199 7.2% 60 + Deposito 28,047 37,375 33.3% 50 + rs TOTAL 61,451 77,041 25.4% & 40 + Rasio CASA (%) 544 51
Slide 16: Kualitas Aktiva Produktif
Kualitas Aktiva Produktif Credit Provision (LHS) mmm Absolute NPL (LHS) ==2==Coverage Ratio (RHS) NPL Gross Hapus , , YoY Buku 2,500 140 (%) 3Q'14 3Q'15 9 (Bank only) (%) 2015 (Rp bn) 2030 2.053077 _ Konsumer 0.10 0.11 +0.01 4 2,000 1,906 1,916 Mikro 22.1 26.8 +4.7 277 ity Komersial 9.9 6.2 3.7 228
Slide 17: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) mm Commercial (LHS) mmm Mortgage (LHS) ———% to Loans (RHS) 2,000 45 1,800 4.0 1,600 35) 5 1,400 can 30 & 7 a = s 8 1,200 : nS) E 25 8 5 6 ig 3 1,000 & 3 20 € rs] & & 800 = va) 3 £ So eS 15 8 2 600 2 997110115), 9a 920 790 400 741 | B 1.0 572 5
Slide 18: Non Performing Loans
Non Performing Loans Consumer mMicro mCommercial m Mortgage Consumer (LHS) mamas Micro (LHS) mmm Commercial (LHS) mmm Mortgage (LHS) —=% to Loans (RHS) 100% » CMTE om 2,500 + 45 9 90% ~ ; 4.0 80% - 2,000 | | 3.5 ; q 70% ~ = 5 A ty 4 Ss Sim 4 & | 30 7 a A 8 ZS 60% | 2 & 8 1500 - Es 5 L i} 5 2 25 5 3
Slide 19: Analisis Imbal Hasil
Analisis Imbal Hasil bank bjb Placement to Bank Indonesia 6.3% Others Interbank Imbal Hasil Aktiva 30'14 3Q'15 ____ Placement 3.4% Penempatan pada BI 46 4.2 neat Penempatan pada Bank Lain 3.5 47 Securities Loans 21.7% Surat Berharga 6.5 6.0 67.8% Kredit 15.3 15.0 Lainnya 15 0.8 Interbank Lending Tim
Slide 20: Komposisi Nasabah
Komposisi Nasabah ba Consumer mMicro mCommercial Mortgage Government Corporate m Retail 100% 5 100% 11°15 19 30% 90% 80% | 80% 70% + 70% 60% + 60% F 50% + 50% 40% + 40% 79.9 80.8 787 77.4 76.2 748 143 743 749 15.2 15:9 772 786 30% + 30% oon 20% + 10% 10% + 0% T T T T T T T T T T T T 1 & Cg CR CCI CC
Slide 21: Kecukupan Modal
Kecukupan Modal ba «Total Modal sebesar Rp 6.3 T(+Rp 581 M YoY) Aktiva Tertimbang , , Menurut Risiko 3Q'14 3Q’15 YoY (%) * Total CAR 15.5% (-70 bps YoY) (ATMR) Total ATMR 35,420 40,785 15.1% Penambahan Dampak thd Risiko Kredit 27,057 31,436 16.2% AnalisaKPMM atmR = ATMRUntuk “you Ekspansi Rp 1 (%) R
Slide 22: Kinerja Kredit Konsumer (Detail)
\ = bank bjb Kinerja Kredit Konsumer (Detail)
Slide 23: Kinerja Kredit Konsumer
Kinerja Kredit Konsumer ba + Total Kredit Konsumer Rp 37.2 T(+13.8% YoY/ +2.9% QoQ) + Ekspansi netto sebesar Rp 3.7 T YoY/ +1.0T QoQ ladelenlelelat-laMem > Total Kredit Konsumer berkontribusi sebesar 68.3% (+154 bps YoY/ -97bps QoQ) + Jumlah Debitur sebesar 363,013 Nasabah (+15,154 YoY/ +3,243 QoQ)
Slide 24: Kredit Konsumer
Kredit Konsumer 40 35 30 25 Civil Servant Loans (LHS) mms Pensioner Loans (LHS) ———NPL (RHS) r 1.0 r 0.4 0.0 (%) Indikator Utama 3014 30°15 Yoy (%) Posisi Kredit 32,721 37,241 13.8% Ekspansi Netto 9 (Rp Miiliar) 3,864 3,662 -5.2% Rata-Rata per Debitur 94 103 9.1% (Rp Miliar) Jumlah Debitur 347,859 3
Slide 25: Kredit Kepada Pegawai Negeri Sipil
Kredit Kepada Pegawai Negeri Sipil (Rp tr) 40 35 30 25 20 15 10 0 Civil Servant Loans (LHS) ==0==NPL (RHS) 5 5 0.5 7 33.7 31.9 wv 302 33.0 | 0. 1 30.9 27.7 55) 26.1 / | 26.8 23.4 BB + 03 21.2 ‘| 2s + 0.2 oo J . 0.11 0.11 0.13 9.10 g09 on) 82 gat y ot 0.10 4 0.08 (a 0.0 RY RY AD AP A RD ADE ADE ade n
Slide 26: Kredit Kepada Pensiunan
Kredit Kepada Pensiunan 4,000 3,500 3,000 2,500 1,500 1,000 500 (0) Pensioner Loans (LHS) | ==c==NPL (RHS) 3,55 3,191 2,793 0.20 2,519 2,641 2.219.407 0.08 633 797 YY 00 0 SY OY” QY’ 0 POSS CCN ON LL mA Oo NN ON ON? ON. ORO OOD Xd 0.3 0.2 0.1 0.0 Indikator Utama 3014 3Q'15 YoY (%) Posisi Kredit 2,51
Slide 27: Kredit Dalam Perhatian Khusus
° ° Kredit Dalam Perhatian Khusus bank bjb Nilai Absolut Dalam Perhatian Khusus +54.8% YoY Kontribusi Kredi Pensiunan +5.1% YoY Civil Servant Loans (LHS) mmm Pensioner Loans (LHS) Civil Servant Loans ™ Pensioner Loans =o Special Mention Loans (RHS) 100% + 120 4 0.5 90% + 80% + 100 | 0.4 _ - = 70% -
Slide 28: Non Performing Loans
Ss a Non Performing Loans bank bib ank bj Kredit Konsumer Absolut NPL +20.7% YoY Kontribusi Kredit Pensiunan +1.9% YoY Civil Servant Loans (LHS) mamma Pensioner Loans (LHS) ==o== NPL (RHS) Civil Servant Loans (LHS) __™ Pensioner Loans (LHS) " ‘ “SUF PPEREEREER 40 - 90% - “ 0.4 80% + 35 4 20 % Pe Py)
Slide 29: Kinerja Anak Perusahaan 3Q15 bank bjb Syariah
\ = bank bjb Kinerja Anak Perusahaan 3Q15 bank bjb Syariah
Slide 30: Ringkasan Kinerja
Ringkasan Kinerja + Pendapatan Marjin Bersih Rp 243 M (+32.9% YoY) Lapora n Laba + Beban Operasional Rp 369 M (+71.2% YoY) Rugi + Laba Bersih (rugi) Rp (32,7) M (391.5% YoY) + Total Pembiayan Rp 4.9 T (+19.5% YoY) Neraca + Total Dana Pihak Ketiga Rp 4.7 T (+56.7% YoY) + Total Aktiva at Rp 6.1 T (+18
Slide 31: Rasio Keuangan
Rasio Keuangan Rasio Utama (%) 3Q'14 3Q'15 YoY (%) CAR 16.1 22.4 +6.3 NPF Gross 6.8 6.9 +0.1 NPF Nett 5.6 4.6 -1.0 ROA 0.5 -1.0 15 ROE 22) -6.2 -8.7 NIM 6.8 5.5 -1.3 BOPO 93.0 104.3 +113 FDR 102.1 103.5 +14
Slide 32: Laporan Laba Rugi
Laporan Laba Rugi mar hata Rugi 30'14 3015 YoY (%) Pendapatan Marjjin 424,130 540,539 274% Beban Marjin 248,041 306,576 23.6% Marjin Bersih 176,089 233,963 32.9% Pendapatan Operasional Lainnya 55,707 93,510 67.9% Beban Operasional 215,533 368,902 71.2% Pendapatan Operasional 16,263 (41,429) -354.7%
Slide 33: Neraca
Neraca Ringakasan Neraca (Rp Juta) 3Q’'14 3Q'15 YoY (%) Kas atau Setara Kas 32,653 34,054 4.3% Giro pada Bank Indonesia 156,715 242,527 54.8% Cadangan Sekunder 706,698 748,750 6.0% Pembiayaan-net 4,014,489 4,778,905 19.0% Aktiva Tetap-net 160,792 178,247 10.9% Aktiva Lainnya 96,815 103,228 6.6% Tota
Slide 34: Kinerja Bisnis
Kinerja Bisnis ba Penyaluran Dana (Rp Juta) 3Q'14 3Q’'15 YoY (%) Murabahah 2,658,774 3,667,631 37.9% Ijarah 36,692 59,342 61.7% Pembiayaan 106,154 72,514 -31.7% Qardh 1,334,041 1,144,649 -14.2% Isthisna 5,101 3,527 -30.9% Total Pembiayaan (Gross) 4,140,762 4,947,662 19.5% Penghimpunan Dana (Rp Juta)
Slide 35: Profil Perusahaan
\ = bank bjb Profil Perusahaan bank bjb
Slide 36: Struktur Pemegang Saham
Struktur Pemegang Saham @ West Java Provincial Government @ West Java Municipal Government @ Banten Provincial Government 1 Banten Municipal Government Public (B Series) Struktur Pemegang Saham 3Q14 3Q15 SeriA 75.00 75.00 Pemerintah Prop. Jawa Barat 38,26 38,26 Pemerintah Kota/Kab. Se-Prop. Jawa 23,
Slide 37: Road Map bank bjb
\ a Road Map bank bjb Membangun Pertumbuhan Berkesinambungan & Bank Yang Berkinerja Baik 2015 2016-2017 2018 - 2019 2020 Membangun Pondasi Pertumbuhan Yang Bank Dengan Kinerja Bersiap Menghadapi Masyarakat Yang Kuat Berkualitas & Layanan Terbaik Ekonomi Asean (MEA) Peningkatan Market Share Dana Piha
Slide 38: Aliansi Bisnis & Strategi
Aliansi Bisnis & Strategi Pertumbuhan Yang Berkesinambungan & Bank Yang Berkinerja Baik oPeningkatan Kualitas Jf openingkatan Bisnis J o Pertumbuhan oPeningkatan oPengembangan Trade © Meningkatkan Kredit Proses Melalui Four ff Secara Organik dan CASA Melalui Finance, Remittances, Kinerja Anak Eyes P
Slide 39: Jaringan Kantor
Jaringan Kantor A bank bjb A estan Jakarta Deposits 9,8Tr Loans 6,3 Tr Micro Loans 255 bn Profit 150bn 85,292 Customers 9 Branch Offices 58 Sub Branches 5 Cash Offices 1 Payment Point 118 ATM Unit 16 Waroeng bjb 539 Employees Banten Deposits 14.8Tr Loans 7.5 Tr Micro Loans 321 bn Profit 656 bn 858,0
Slide 40: Detail Jaringan dan Layanan
Detail Jaringan dan Layanan No Jaringan Kantor 3Q'14 3Q’'15 YoY 1 Kantor Cabang 62 62 = 2 KCP 312 312 - 3 Kantor Kas 303 315 12 4 Payment Point 115 131 16 5 ATM 1,187 1,208 21 6 Waroeng bjb (A,B & C) 510 443 -67 7 Layanan bjb Precious 11 11 - 8 Sentra UMKM 6 6 - 9 Kas Mobil 11 11 - 10 Weekend Bankin
Slide 41: - - - > - > 6% 1% - 18% 18 - 30 75%
18 - 30 31 - 40 41 - 50 > 50 41 - 50 > 50 6% 1% 31 - 40 18% 18 - 30 75%
Slide 42: Penghargaan 2014-2015
Penghargaan 2014-2015 bank bjb bank bib F PPBANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN THK Infobank-MRI 2014 Banking Service Excellent Awards- —_Infobank-MRI 2014 Banking Service Excellent Awards- Indonesia WOW Brand Award 2014- Gold Champion 2"4 Best Phone Handling Commercial Banking 15* Best AT
Slide 43: Penghargaan 2014-2015
Penghargaan 2014-2015 bank bjb INOVATOR PERLUASAN KEPESERTAAN BPJS KETENAGAKERJAAN 'MELALUI SERVICE POINT OFFICE (SPO) a BPJS Awards- Innovators For BPJS Participation - Regi i Infobank Awards - Financial Performance “Very Through Service Point Office (SPO) BPJS Awards- Regional Strategic Partner 20
Slide 44: Penghargaan 2014-2015
Penghargaan 2014-2015 ba Allain Indonesia Property & Bank Award X 2015 Infobank Banking Service Excellence Award 2015 - MNC Business Award 2015 - Best Listed Regional 15* Best SMS Banking Conventional Banking Category Bank Infobank Award - Best Financial Performance” Best Of The Best” 2000- Annual R
Slide 45: Penghargaan 2014-2015
Penghargaan 2014-2015 bank bjb Brand Finance Plc Brand Rating & SWA- Markplus WOW Brand Award 2015 - Best Tribute From OJK- Annual Report Award Ranked 434 Most Valuable Indonesia Champion Of Bandung Category Year Ended 2014 - 2"4 Best Regional Brand 2015 Conventional Bank (BUKU III) Company Listed T
Slide 46: Rp/share
Volume (RHS) Price (LHS) 1400 120 1300 100 1200 80 1100 Million Shares Rp/share 1000 60 900 40 800 20 700 600 0
Slide 47: bank bjb
FZ bank bjb Menara bank bjb JI. Naripan 12-14 7* Floor Bandung 40111 Telp. +6222 4234868