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 — Q3 2022 Earnings Presentation
44 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2022
Slide 1: Corporate Presentation - Analyst Meeting 3Q 2022
CORPORATE PRESENTATION PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk Analyst Meeting 3Q 2022
Slide 2: Investment Proposition
Investment Proposition The Economic Potential of Pioneer of Regional The First Movers on Sustainable West Java & Banten Development Bank (BPD) Synergy Banking in Indonesia As Indonesia’s 2nd Largest Economic Region (Combined) As Indonesia’s Largest Regional Development Bank Strong Commitment to ESG
Slide 3: The Economic Potential of West Java & Banten Region
The Economic Potential of West Java & Banten Region With Formidable Captive Market in Well-Established Ecosystem Benefited from West Java & Banten Economic Development Formidable Captive Market In Well-Established Ecosystem As Indonesia’s 2nd Largest Economic Region (Combined) - Source BPS Governmen
Slide 4: Pioneer of Regional Development Bank (BPD) Synergy
Pioneer of Regional Development Bank (BPD) Synergy As Indonesia’s Largest Regional Development Bank Regional Development Bank Financial Performance Regional Development Bank Breakdown (27 BPD, SPI OJK as of 30 July 2022) Rp Trillion Market Share (%) Based on Total Assets (Bank Only, 30 July 2022) To
Slide 5: Conglomeration Structure of bank bjb
Pioneer of Regional Development Bank (BPD) Synergy Conglomeration Structure of bank bjb Conglomeration Structure of bank bjb bank bjb’s Business Grup (KUB bank bjb) Existing & Potential New Subsidiaries Undisclosed BPD Existing Potential New BPD as a Subsidiary (Ongoing) Subsidiary Companies bank bj
Slide 6: Transforming From Regional to Nationwide Coverage
Transforming From Regional to Nationwide Coverage With Hybrid-Bank Business Model Strengthen Offline Channels Enhancing Online Services Ongoing to become member of bank bjb’s Business Group (KUB) East New Experience Digi North Sumatra Kalimantan Digi Mobile as Omni Channels Launched in April 2022 Ri
Slide 7: Commitment for ESG Implementation - Sustainable Banking
Commitment for ESG Implementation Sustainable Banking Sustainable Portfolio Infrastructure Financing & Government Collaboration Rp. 11,5 Trillion bjb INDAH Financing for infrastructure projects, government- related procurement and government short term Eco Friendly deficit cash flow. MSME Business A
Slide 8: Commitment for ESG Implementation - Sustainable Operation
Commitment for ESG Implementation Sustainable Operation Digital Village 2.0 Program Empowering MSME’s Paperless Movement Support digitalization in a number of administrative bjb PESAT Developing systems that processes and financial (Pemberdayaan Ekonomi Masyarakat Terpadu) can eliminate or reduce se
Slide 9: Robust Financial Performance
Robust Financial Performance 3Q2022 Result Summary Comparison with Industry Growth Since The Beginning of Pandemic • Net Interest Income at Rp 6.2 tr (+9.2% YoY) Income • PPOP at Rp 2.5 tr (+8.5% YoY) bank bjb • Fee Based Income at Rp 1.1 tr (+22.7% YoY) Total Deposits +39.9% Statement • PBT at Rp 2
Slide 10: Consolidated
3Q 2022 Performance Consolidated 10
Slide 11: Income Statement
Income Statement Consolidated YoY Result QoQ Result Income Statement YoY YoY (Rp bn) (%) 9M21 9M22 3Q21 2Q22 3Q22 QoQ (%) YoY (%) Interest Income 9,758 9,879 +1.2% 121 3,280 3,326 3,361 +1.1% +2.47% Interest Expense 4,092 3,689 -9.9% (403) 1,308 1,245 1,268 +1.8% -3.06% Net Interest Income 5,666 6,1
Slide 12: Balance Sheet
Balance Sheet Consolidated Balance Sheet YoY 3Q21 FY21 1Q22 2Q22 3Q22 (Rp bn) (%) Cash 2,492 3,748 2,592 2,641 2,475 -0.7% Current Account with Bank Indonesia 4,165 11,900 6,246 9,702 11,855 +184.6% Secondary Reserves 45,917 34,395 47,214 43,334 35,562 -22.6% Loans & Financing 101,269 102,232 105,13
Slide 13: Key Ratios
Key Ratios Bank Only Key Ratios (%) 3Q21 FY21 1Q22 2Q22 3Q22 Return on Assets/ROA (Net) 1.3 1.4 1.5 1.5 1.5 Return on Equity/ROE (Net) 14.9 15.8 16.3 17.1 16.9 Cost to Income Ratio/CIR 66.7 67.0 64.1 66.2 66.8 Profitability Expenses Ratio/BOPO 82.9 81.9 79.0 78.4 78.7 Net Interest Margin/NIM 5.7 5.8
Slide 14: Bank Only Details
3Q 2022 Performance Bank Only Details 14
Slide 15: Loans Breakdown
Loans Breakdown Bank Only 120 Consumer Micro Commercial Mortgage Segment YoY 3Q21 3Q22 (Rp tr) (Rp bn) (%) 100 8.9 8.5 Consumer 61,101 64,353 5.3% 8.1 7.6 7.8 7.0 7.2 6.7 6.8 26.0 80 24.7 Micro 6,024 6,608 9.7% 19.7 21.4 17.3 20.0 16.2 16.3 17.4 6.5 6.6 5.9 5.8 6.0 6.0 6.2 Commercial 20,037 25,954 2
Slide 16: Consumer Loans
Consumer Loans Bank Only Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) YoY 70 5.0 Key Indicators 3Q21 3Q22 (%) Loans Outstanding 61,101 64,353 5.3% 60 (Rp bn) 16.3 4.0 16.4 16.3 Net Expansion 16.5 1,206 2,437 102.0% 17.5 17.0 16.7 17.0 17.3 YtD (Rp bn) 50 Avg. Loans Outstanding 120 120 -
Slide 17: Micro Loans
Micro Loans Bank Only Other Government Program KUR Linkage MSME NPL (RHS) YoY 7.0 5.0 Key Indicators 3Q21 3Q22 (%) Loans Outstanding 6,024 6,608 9.7% 6.0 (Rp bn) 1.1 4.0 1.2 Net Expansion 2.4 (116) 593 613.1% 1.4 1.7 2.2 2.7 YtD (Rp bn) 5.0 1.5 1.9 Avg. Loans Outstanding 153 97 -36.2% (Rp mn) 3.0 4.
Slide 18: Commercial Loans
Commercial Loans Bank Only Corporation Commercial NPL Corporation YoY 30 5.0% Key Indicators 3Q21 3Q22 (%) Loans Outstanding 20,037 25,954 29.5% (Rp bn) 25 4.0% Net Expansion 3,783 6,214 64.3% YtD (Rp bn) 8.5 20 7.5 Avg. Loans Outstanding 3,009 3,506 16.5% 3.0% (Rp mn) 6.4 7.6 7.0 No of Account 6,65
Slide 19: Mortgage Loans
Mortgage Loans Bank Only Reguler Government Program NPL 10.0 6.0 YoY Key Indicators 3Q21 3Q22 (%) 9.0 Loans Outstanding 7,572 8,853 16.9% 5.0 (Rp bn) 8.0 Net Expansion 766 1,081 41.2% YtD (Rp bn) 7.0 4.0 Avg. Loans Outstanding 207 201 -2.6% 6.0 (Rp mn) 5.9 5.9 5.0 5.8 3.0 No of Account 36,660 44,001
Slide 20: Deposit Breakdown
Deposit Breakdown Bank Only 140 Current Account Savings Account Time Deposit Deposits Breakdown YoY 3Q21 3Q22 (Rp bn) (%) (Rp tr) 120 Current Account 27,741 33,514 20.8% 100 Saving Account 21,375 23,124 8.2% 66 66 60 68 63 80 61 62 Time Deposit 68,312 59,617 -12.7% 58 58 60 TOTAL 117,428 116,255 -1.
Slide 21: Special Mention Loans
Special Mention Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 3,000 5.0 100% 90% 21 22 22 22 27 28 28 25 2,500 31 80% 574 4.0 578 560 70% Absolute Special Mention Loans (Rp bn) 2,000 608 19 Special Mention Contribution (%) Specia
Slide 22: Non Performing Loans
Non Performing Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 100% 1,400 5.00 90% 22 22 20 25 23 23 20 21 20 1,200 335 283 4.00 80% 287 278 253 275 260 243 236 1,000 70% Absolute Non Performing Loans (Rp bn) Non Performing Loan/To
Slide 23: Capital Adequacy
Capital Adequacy Risk Weighted YoY 3Q21 3Q22 •Total Capital Rp 16.4 tr (+Rp 2.3 Tr YoY) Asset (RWA) (%) Total RWA 79,948 92,607 15.8% • Total CAR at 17.7% (+3 bps YoY) Credit Risk 61,310 71,497 16.6% Addition to Net Impact to RWA/ CAR Analysis Risk Weighting CAR Rp1tr Net Operational Risk 13,518 14,
Slide 24: Yield Analysis
Yield Analysis Asset Yield Others Placement 3Q21 3Q22 (%) 1.5% to BI 4.2% Placement to Bank Indonesia 2.0 2.8 Interbank Placement 1.1% Interbank Placement 1.8 0.9 Marketable Securities 4.9 4.6 Securities Loans 18.1% 75.2% Loans Yield 11.7 10.8 Cost of Fund 3Q21 3Q22 (%) Interbank Time Lending Bonds
Slide 25: Guidance
Guidance 2022 (%) 3Q21 FY21 1Q22 2Q22 3Q22 Guidance Loans Growth 9 – 11 6.9 7.1 8.2 12.9 11.6 Deposit Growth 9 – 10 7.6 14.0 15.7 14.1 -1.0 ROA (net) 1.3 - 1.5 1.3 1.4 1.5 1.5 1.5 ROE (net) 15 - 16 14.9 15.8 16.3 17.1 16.9 NIM 5.4 - 5.7 5.7 5.8 5.7 5.7 5.8 Cost of Fund 3.0 - 3.5 3.8 3.6 3.0 3.0 3.0
Slide 26: Consumer Loans Details
3Q 2022 Performance Consumer Loans Details 26
Slide 27: Civil Servant Loans
Civil Servant Loans Civil Servant Loans (LHS) NPL (RHS) YoY 60 0.5 Key Indicators 3Q21 3Q22 (%) Loans Outstanding 44,122 48,073 9.0% 50 48.1 46.2 47.1 45.4 0.4 Net Expansion 43.2 43.3 44.1 1,182 2,684 127.1% 42.9 42.9 YtD (Rp bn) 40 Avg. Loans Outstanding 112 114 1.9% (Rp mn) 0.3 No of Account 393,7
Slide 28: Pensioner Loans
Pensioner Loans Pensioner Loans (LHS) NPL (RHS) YoY Key Indicators 3Q21 3Q22 20 0.5 (%) 18 17.3 17.5 Loans Outstanding 16,979 16,280 -4.1% 17.0 17.0 16.7 16.5 16.4 16.3 16.3 16 0.4 Net Expansion 24 (247) -1118.3% YtD (Rp bn) 14 Avg. Loans Outstanding 147 139 -5.4% (Rp mn) 12 0.3 No of Account 115,47
Slide 29: bank bjb Sharia Performance
3Q 2022 Performance bank bjb Sharia Performance 29
Slide 30: Result Summary
Result Summary bank bjb Sharia • Net Financing Income at Rp 404.9 bn (+20.4% YoY) Income • PPOP at Rp 106.4 bn (+13.5% YoY) Statement • Net Income at Rp 59.4 bn (+115.3% YoY) • Total Financing at Rp 7.3 tr (+17.9% YoY) Balance Sheet • Total Deposits at Rp 8.5 tr (+25.5% YoY) • Total Asset at Rp 11.1
Slide 31: Income Statement
Income Statement bank bjb Sharia Income Statement YoY 3Q21 3Q22 (Rp mn) (%) Financing Income 533,757 571,238 7.0% Financing Expense 197,353 166,252 -15.8% Net Financing Income 336,404 404,986 20.4% Other Operating Income 30,372 29,950 -1.4% Operating Expense 272,960 328,497 20.3% PPOP 93,816 106,439
Slide 32: Balance Sheet
Balance Sheet bank bjb Sharia BS highlight YoY 3Q21 3Q22 (Rp Mn) (%) Cash 54,828 49,433 -9.8% Current Account with Bank Indonesia 255,697 556,329 117.6% Secondary Reserves 2,342,358 2,849,577 21.7% Financing-net 6,018,656 7,111,531 18.2% Fixed Asset-net 301,637 296,644 -1.7% Other Asset 281,659 287,
Slide 33: Key Ratios
Key Ratios bank bjb Sharia Sharia 3Q21 3Q22 YoY (%) CAR 23.7 22.4 -1.3 NPF Gross 4.3 3.2 -1.1 NPF Nett 2.2 1.7 -0.4 ROA 0.9 1.0 0.1 ROE 3.5 6.9 3.3 BOPO 89.8 87.3 -2.5 FDR 91.2 85.2 -6.0 NIM 5.6 5.6 - 33
Slide 34: Financing and Funding Breakdown
Financing and Funding Breakdown bank bjb Sharia Financing YoY 3Q21 3Q22 (Rp mn) (%) Murabahah 3,957,868 4,477,785 13.1% Qardh 141,309 111,827 -20.9% Financing 2,066,164 2,681,086 29.8% Istishna 1,177 631 -46.4% Total Gross Financing 6,166,518 7,271,329 17.9% Funding YoY 3Q21 3Q22 (Rp mn) (%) Wadiah
Slide 35: Company Profile
EA bank bjb Company Profile 35
Slide 36: Board of Commissioners
Board of Commissioners From Left to Right Diding Sakri Muhadi Farid Rahman Fahlino F. Sjuib Setiawan Independent Commissioner Independent Independent Wangsaatmaja Commissioner President Commissioner Commissioner Commissioner Last Position Last Position Last Position Last Position Last Position Resea
Slide 37: Directors
Directors From Left to Right Tedi Setiawan Rio Lanasier Nancy Adistyasari Yuddy Renaldi Suartini Nia Kania Cecep Trisna Director of Director of IT, Treasury Director of President Director of Director of Director of Operations & International Banking Commercial & MSME Director Consumer & Retail Finan
Slide 38: Network Distribution
Network Distribution North East Kalimantan Sumatera bjb Network 3Q21 3Q22 YoY Riau Office Channels 972 937 -35 Riau Island Branch 65 65 - South Sub Branch 872 836 -36 Sumatera bjb Priority 18 18 - Jakarta MSME Center 6 6 - South West Java Kalimantan Central East Mobile Cash 11 12 +1 Lampung Java Jav
Slide 39: Human Capital
Human Capital Educational Breakdown Level 3Q21 3Q22 YoY Board of Commissioners 3 5 +2 Directors 7 7 - Master of Doctorare Top Management 36 35 -1 10% Senior Management 161 171 +10 Up to Bachelor Degree Middle Management 636 641 +5 90% First Line Management 1,540 1,692 +152 Age Breakdown Staff 5,166
Slide 40: Shares and Ratings Information
Shares and Ratings Information Shares Outstanding shares as of 30 September 2022 : 10,521,443,686 shares ------------------------------------------------------------------------------------------------------------------------------------------------ JCI BJBR Shares-Related Corporate Action - Right I
Slide 41: 2022 Awards
2022 Awards TOP 50 Big Capitalization Indonesia Inovation Awards Indonesia Best BUMD Infobank TOP BUMD 2022 Indonesia Customer Service Indonesia Property & Bank Best Bank 2022 KBMI 2 Public Listed Company 2022 – Financial Industry Awards 2022 Infobank Award 2022 ke-XVI dan Indonesia Investor Magazin
Slide 42: 2022 Awards
2022 Awards Indonesia Best 50 CEO Award Infobank TOP 100 Most Indonesia Most Popular Corporate Emissions Banking Service Excellence Tribun Jabar Editor Choice 2.0 3rd Anniversary Oustanding Women 2022 Digital Financial Branch Transparency Award 2022 Award Tribun Jabar The Iconomics Infobank Awards 2
Slide 43: 2022 Awards
2022 Awards Infobank for The Financial TOP GRC AWARDS 2022 # 4 Special Appreciation Of Top The Most Committed GRC For Financial Performance The Best Perfomance KBMI 2 Corporate Reputation Award Innovative Bank in Digital Performance With Predicate STARS GRC Awards 2022 On Leader 2022 Full-Year 2021
Slide 44: Contact Information Investor Relations
Contact Information Contact Person Investor Relations Gekan Purnama Zainal Menara bank bjb 7th Floor IR Head Jl. Naripan 12 – 14 gzainal@bankbjb.co.id Bandung 40111 Dandelina Rifyandini +622 4234868 IR Manager ir@bankbjb.co.id drifyandini@bankbjb.co.id Disclaimer : This report has been prepared by P
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