Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Q1 2013 Earnings Presentation
52 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Apr 24, 2013
Slide 1: Analyst Meeting 1Q13
ANALYST MEETING 1Q13 PT. BANK PEMBANGUNAN DAERAH JAWA TIMUR, Tbk APRIL 24, 2013 copyright of IR Bank Jatim Tbk 1
Slide 2: Table of Contents
TABLE OF CONTENTS Description Page Description Page Cover 1 - SME Strategy 29 Table of Contents 2 - Top 10 Loan by Industry Comparison 30 Agenda 3 - Strategy Reducing NPL & Recovery 2012 – 2013 31 – 32 Section 1 – Economic Outlook 4–7 - Human Resources 33 - Macro Economy Outlook 5 - Information Tech
Slide 3: Agenda
AGENDA 1 Economic Outlook Prospect of Banking 2 Industry Overview & Investments 3 Highlights 4 Strenghts 5 Financial Highlights copyright of IR Bank Jatim Tbk 3
Slide 4: Economic Outlook
SECTION 1 ECONOMIC OUTLOOK copyright of IR Bank Jatim Tbk 4
Slide 5: Macro Economy Outlook
MACRO ECONOMY OUTLOOK copyright of IR Bank Jatim Tbk 5
Slide 6: Macro Economy Indicator (GDP) of East Java 2012
MACRO ECONOMY INDICATOR (GDP) of EAST JAVA 2012 In Billion Rp. 2012 INDICATOR 3M12 YoY 1H12 YoY 9M12 YoY FY12 YoY 3 Agriculture 15.982.668 2,25 14.177.715 3,04 13.591.281 2,24 10.712.279 2,24 Mining & Quarrying 1.893.917 5,09 2.120.466 1,66 2.160.927 1,32 2.225.952 1,32 2 Processing 23.409.626 6,27
Slide 7: The Economic Potential of East Java Towards Bank Jatim
THE ECONOMIC POTENTIAL OF EAST JAVA TOWARDS BANK JATIM No Description 2008 2009 2010 2011 2012 Mar 2013 1. Number of 36.972.282 37.236.149 37.476.757 37.781.599 38.052.950 38.318.791 population 2. Growth rate (%) 0,72 0,71 0,64 0,81 0,72 0,70 Second-largest contributor towards Indonesian economy.
Slide 8: Prospect of Banking Industry
SECTION 2 PROSPECT OF BANKING INDUSTRY copyright of IR Bank Jatim Tbk 8
Slide 9: National Banking Sector Performance
NATIONAL BANKING SECTOR PERFORMANCE copyright of IR Bank Jatim Tbk 9
Slide 10: Banking Sector Indicator of East Java 2012
BANKING SECTOR INDICATOR of EAST JAVA 2012 In Trillion Rp. 2012 INDICATOR 3M12 1H12 9M12 FY12 Total Asset 304,22 322,89 342,66 353,60 Third Party Fund 252,81 262,25 273,66 289,09 - Demand Deposit 42,85 43,54 46,07 47,67 - Saving Account 109,95 116,20 122,89 134,22 - Time Deposit 100,00 102,50 104,70
Slide 11: Bank Jatim Position of East Java Market Share
BANK JATIM POSITION of EAST JAVA MARKET SHARE In Trillion Rp. 2012 3M13 3M13 Ranking N 2012 Description Bank % East Java Bank % per Jan o East Java 2013 Jatim * Jatim 1. Total Asset 353,60 29,11 8,23% 364,88 32,62 8,93% 4 2. Third Party Fund 289,09 22,20 7,67% 305,36 25,64 8,39% 5 20,26 24,53 - Curr
Slide 12: Comparison with Regional Bank in Indonesia (Dec 2012)
THE COMPARISON WITH REGIONAL BANK IN INDONESIA ( PER 31 DEC 2012 ) 3 2 3 1 1 1 * Data Audited Data unaudited from ASBANDA In Billion Rp. copyright of IR Bank Jatim Tbk 12
Slide 13: Banking Industry Comparison
BANKING INDUSTRY COMPARISON April 1st 2013 Bank Jatim Bank Jabar Bank Mandiri BTN BTPN Bukopin Share Price 520 1.290 10.000 1.700 5.300 900 Market Cap 7.757 12.508 233.333 17.956 30.954 7.174 PBV 1,3 1,8 2,7 1,5 3,1 1,3 PER 7,7 8,7 13,2 10,3 12,8 7,4 Yield 7,8% 5,0% 1,9% 1,9% 0,0% 3,7% Source : PT.B
Slide 14: Overview & Investments Highlights
SECTION 3 OVERVIEW & INVESTMENTS HIGHLIGHTS copyright of IR Bank Jatim Tbk 14
Slide 15: Third Party Fund
THIRD PARTY FUND In Million Rp. % of Total % of Total Description FY2011 FY2012 YoY TPF TPF Government Current Account 3.844.580 19,08% 4.241.099 19,09% 10,31% General Current Account 4.359.000 21,64% 5.420.766 24,40% 24,36% Total Current Account 8.203.580 40,72% 9.661.865 43,50% 17,78% Simpeda Savi
Slide 16: Third Party Fund
THIRD PARTY FUND In Million Rp. % of Total % of Total Description 3M12 3M13 YoY TPF TPF Government Current Account 9.772.881 40,06% 9.563.318 37,29% -2,14% General Current Account 2.385.211 9,77% 2.538.131 9,89% 6,41% Total Current Account 12.158.092 49,84% 12.101.449 47,19% -0,46% Simpeda Saving 5.
Slide 17: Third Party Fund Customer
THIRD PARTY FUND CUSTOMER SAVING ACCOUNT CURRENT ACCOUNT copyright of IR Bank Jatim Tbk 17
Slide 18: Third Party Fund – Ticket Size
THIRD PARTY FUND – TICKET SIZE In Million Rp. Total % of Total Ticket Total % of Total Ticket Description FY11 FY12 Customer Customer Size Customer Customer Size Government Current 3.844.580 67 0,00% 57.381,79 4.241.099 117 0,00% 36.248,71 Account General Current Account 4.359.000 33.304 2,12% 130,8
Slide 19: Third Party Fund – Ticket Size
THIRD PARTY FUND – TICKET SIZE In Million Rp. Total % of Total Ticket Total % of Total Description 3M12 3M13 Ticket Size Customer Customer Size Customer Customer Government Current 9.772.881 81 0,00% 120.652,85 9.563.318 104 0,00% 91.954,98 Account General Current Account 2.385.211 34.719 2,14% 68,7
Slide 20: Product Plan & New Activities 2013
PRODUCT PLAN & NEW ACTIVITIES 2013 SMS BANKING – Provider Increase INTERNET BANKING H2H MULTI BILLER INTERCITY CLEARING copyright of IR Bank Jatim Tbk 20
Slide 21: Customer Deposit Analysis
CUSTOMER DEPOSIT ANALYSIS 2007 2008 2009 2010 2011 2012 3M13 2013F 2014F CASA Ratio 76.3% 71.3% 76.3% 79.0% 76.1% 80.3% 73,55% 72.7% 75.6% Total Customer Deposit (Rp bn) 2007 2008 2009 2010 2011 2012 2013F 2014F Demand Deposit 6,868 6,358 6,973 6,996 8,204 9,662 11,404 12,228 Saving Deposit 3,176 3,
Slide 22: Loan & NPL Composition
LOAN & NPL COMPOSITION In Million Rp. % of Total % of Total Description FY11 FY12 YoY NPL FY11 NPL FY12 Loan Loan Consumer Loan 10.377.718 64,31% 11.885.851 64,05% 14,53% 0,09% 0,26% Multipurpose 9.626.668 59,66% 10.738.702 57,87% 11,55% 0,05% 0,17% Mortgage 333.503 2,06% 653.118 3,52% 95,83% 1,39%
Slide 23: Loan & NPL Composition
LOAN & NPL COMPOSITION In Million Rp. % of Total % of Total NPL Mar Description 3M 12 3M13 YoY Loan Loan 2013 Consumer Loan 10.654.276 64,32% 12.394.548 65,91% 24,78% 0,36% Multipurpose 9.813.103 59,25% 11.141.586 59,24% 13,53 0,16% Mortgage 410.439 2,47% 747.924 3,97% 82,22% 3,55% Others 430.734 2,
Slide 24: Loan Total Customer
LOAN TOTAL CUSTOMER In Million Rp. Total Total % of Total Ticket % of Total Ticket Description FY11 Customer FY12 Customer Customer Size Customer Size Dec 2011 Dec 2012 Consumer Loan 10.377.718 260.098 87,03% 39,89 11.885.851 263.293 85,22% 45,14 Multipurpose 9.626.668 247.304 82,74% 38,93 10.738.70
Slide 25: Loan Total Customer
LOAN TOTAL CUSTOMER In Million Rp. Total Total % of Total Ticket % of Total Ticket Description 3M12 Customer 3M13 Customer Customer Size Customer Size Mar 2012 Mar 2013 Consumer Loan 10.654.276 263.169 86,62% 40,48 12.394.548 260.927 85,13% 47,50 Multipurpose 9.813.103 248.896 81,92% 39,43 11.141.58
Slide 26: Loan Interest Rate
LOAN INTEREST RATE ALCO Description NO.051/008/ALCO Consumer Loan 10.25% - 11.25% p.a Flat Multipurpose 16.00% - 18.00% p.a Annuity Mortgage 9.75% p.a Efective Fixed Rate first year next Floating Others 7.00% p.a Efective Fixed Rate Commercial Loan Standby Loan 12.25% p.a Efective Floating Rate Kepp
Slide 27: Exclusive of Multipurpose Loan
EXCLUSIVE OF MULTIPURPOSE LOAN Bank Jatim, as the payment bank of the East Java Province, has the sole and exclusive access to extend Multiguna, the consumer loan product, to civil servants in East Java. Debtor per 28 Feb Criteria Debtor per Dec 2012 2013 Civil Servants 224.063* 219.776* Pension 5.5
Slide 28: Exclusive of Multipurpose Loan
EXCLUSIVE OF MULTIPURPOSE LOAN Bank Jatim is one of the biggest creditors on East Java’s consumer sector with a market share of 14.73% - Out of 471,814 civil servants in East Java, around 51,53 % has been served by Bank Jatim. - East Java civil servants are increasing at 14% p.a in 2011 and 8% in 20
Slide 29: SME Strategy
SME STRATEGY In 2013, Bank Jatim has SME Loan development strategy by implementing targeted lending in 111 Sub Branch Offices spread across the area of East Java with the following : Target per Year Type of Sub Branch Amount Each Sub Branch Total Type A 67 16.000.000.000 1.072.000.000.000 Type B 14
Slide 30: Top Ten Loan by Industry Concentration
TOP TEN LOAN BY INDUSTRY CONCENTRATION In Million Rp. Social Household Trade Construction Agriculture Electricity Processing Real Estate Education Finance Others Service 3,676,137 4,033,097 1,245,764 766,886 526,253 209,402 518,414 373,249 327,556 67,677 1,194,571 Mar 2011 4,552,941 3,876,995 1,219,
Slide 31: Recovery 2012
RECOVERY 2012 N Information Realization Realization Realization Realization Realization Dec Total Recovery o Jan s/d August Sept Oct Nov 2012 2012 2012 2012 2012 Claim of loan insurance 1 (70% of outstanding loan- 46,836,065,101 4,386,369,192 19,623,388,423 9,799,780,710 14.105.451.215 94.751.054.64
Slide 32: Recovery 2013
RECOVERY 2013 No Information Realization Jan Realization Feb Realization Mar 2013 2013 2013 Claim of loan insurance (70% 1 6,249,229,995 10.513.299.405 38.886.986.289 of outstanding loan-write off) Result of loan collection from 2 1,900,000 35.507.306 37.407.306 insurance deduction at 70% Result of
Slide 33: Strategy Reducing NPL
STRATEGY REDUCING NPL Action Plan Member PIC Branch PIC Head Office Monthly Branch Manager & Branch -Middle & Corporate Division Meeting Loan Supervisor Manager -Special Mention Loan Sub Division Task Force •Special Mention Loan Sub Branch -Middle & Corporate Division Division Manager -Special Menti
Slide 34: Human Resources
HUMAN RESOURCES With the support of professional human resources, Bank Jatim is committed to provide excellent service to its customers. Vision, Mission, and HR Development and Quality Corporate Improvement Culture HR HR Competencies based education and Development Management training program in acc
Slide 35: Information Technology
INFORMATION TECHNOLOGY Transformation of Information Technology (IT) system to anticipate business development and intensifying competition. IT Development Strategy Bank Jatim IT Transformation Bank Jatim approaches its IT development strategy based on the customers needs by implementing some steps,
Slide 36: Information Technology
INFORMATION TECHNOLOGY Transformation of Information Technology (IT) system to anticipate business development and intensifying competition. IT Plan 2013 Launching Live e-payment container Cooperation with Terminal Peti Kemas Surabaya, Steps for this payments are : • Assurance payment by Host to H
Slide 37: Company Transformation
COMPANY TRANSFORMATION As the East Java industrial climate improves, the competition in the banking industry intensifies since many competitors oversee the potential to do market penetration in the banking industry. BPD REGIONAL SHORT TERM MEDIUM TERM + CHAMPION (BRC) 2013 Company Focus 2015 Company
Slide 38: Wide Network of Service Points
WIDE NETWORK OF SERVICE POINTS Branch network and electronic channels are among Bank Jatim’s competitive advantages. Network 2009 2010 2011 2012 Jan Feb Mar Target 2013 2013 2013 2013 (+) Head Office 1 1 1 1 1 1 1 1 Branch Office 39 41 41 41 41 41 41 2 Sub Branch 26 44 67 81 83 89 89 60 Office Cash
Slide 39: Strenghts
SECTION 4 STRENGHTS copyright of IR Bank Jatim Tbk 39
Slide 40: BPR Apex
BPR APEX - Obtains cheap funding from Apex Apex Banking members. - Increases the intermediary function of Bank Jatim, therefore increasing Bank Jatim’s funding portion towards MSMEs in East Java. - Better management over credit concentration risk. Of all the 332 BPRs located in East Java, Bank Jatim
Slide 41: BPR Linkage Program
BPR LINKAGE PROGRAM In Million Rp. January 2013 February 2013 March 2013 Description Outstanding Member Outstanding Member Outstanding Member Linkage Program 200.291 63 201.569 63 208.585 63 Executing Linkage Program 7.429 2 6.459 2 6.076 2 KUR Linkage BPR Non 3.549 2 3.394 2 3.239 2 APEX TOTAL 211.
Slide 42: Jatim Electronic Transfer System (JETS)
JATIM ELECTRONIC TRANSFER SYSTEM (JETS) Definition Type Of Service JETS Jets is a system service that is used in the 1. Delivery Transfers Out between BPR and BPR implementation of the transfer of funds between JETS members in real time; member apex RB, participants jets and the 2. Transfers out BPR
Slide 43: Experienced Managements
EXPERIENCED MANAGEMENTS PRESIDENT MULJANTO COMMISSIONER CHAIRUL DJAELANI COMMISSIONER INDEPENDENT WIBISONO COMMISSIONER INDEPENDENT ISNANTO COMMISSIONER copyright of IR Bank Jatim Tbk 43
Slide 44: Experienced Managements
EXPERIENCED MANAGEMENTS DJOKO LESMONO PARTONO SUPARLAN EKO ANTONO HADI SUKRIANTO Director of Medium Director of Agrobusiness Director of Director of President Director Business & Corporate & Sharia Business Compliance Operations copyright of IR Bank Jatim Tbk 44
Slide 45: Awards & Achievements
AWARDS & ACHIEVEMENTS Annual Report Award 2010 Committee – State-owned Company with Persatuan Wartawan Indonesia East Java Branch Bapepam, Ditjen Pajak, Bursa Efek Indonesia, Ikatan Akuntansi Trophy and Charter Award from Persatuan Wartawan Indonesia and Corporate Governance National Committee) Indo
Slide 46: Financial Highlights
SECTION 5 FINANCIAL HIGHLIGHTS copyright of IR Bank Jatim Tbk 46
Slide 47: Improvement Pre Tax Profit
IMPROVEMENT PRE TAX PROFIT In Million Rp. Pre Tax Profit 31st March 2013 300.890 Average / Day ( Total 90 Days ) 3.343 PROMISING YEAR ( 3,50% YoY) Pre Tax Profit 31st March 2012 290.741 2013 Average / Day ( Total 90 Days ) 3.230 copyright of IR Bank Jatim Tbk 47
Slide 48: Balance Sheet
BALANCE SHEET In Million Rp. Growth Information FY11 FY12 YoY Target Jan 2012 Jan 2013 YoY Feb 2012 Feb 2013 YoY 2013 Total Asset 24.846.516 29.112.193 17,17% 12,70% 26,059,534 29,968,074 14,99% 26.578.047 30.932.111 16,38% Placement BI & SBI 2.442.854 2.103.339 - 13,89% - 3.114.822 1.797.298 - 42,2
Slide 49: Balance Sheet
BALANCE SHEET In Million Rp. Information Mar 2012 Mar 2013 YoY Total Asset 29.340.491 32.621.091 11,18% Placement BI & SBI 5.706.021 1.904.417 - 66,63% Placement Other Bank 3.657.384 8.643.716 136,33% Loan 16.562.074 18.804.526 13,53% Impairment Losses 151.078 239.145 58,29% Third Party Fund 24.393.
Slide 50: Profit & Loss
PROFIT & LOSS In Million Rp. Information FY11 FY12 YoY Mar 2012 Mar 2013 YoY Interest Income 2,698,674 2.883.065 6,83% 666.392 720.112 8,06% Interest Expense (774,831) (904.646) 16,75% (196.881) 172.181 12,55% Nett Interest Income 1,923,844 1.978.419 2,84% 469.511 547.931 16,70% Non Interest Operati
Slide 51: Highlights of Financial Ratio
HIGHLIGHTS OF FINANCIAL RATIO Bank Jatim has attained financial ratios well above the benchmark of the banking industry. Mar Mar Ratio 2007 2008 2009 2010 2011 2012 Jan 13 Feb 13 Benchmark 2012 2013 ROA 3,55% 3,94% 3,75% 5,58% 4,97% 3,34% 4,63% 4,35% 4,26% 3,86% > 1,25 % ROE 30,85% 31,48% 28,59% 40,
Slide 52: Contact Person
CONTACT PERSON Investor Relation Unit Head Office 4th Floor Basuki Rahmat 98-104 Surabaya 60271 Email : iru@bankjatim.co.id Phone : (031) 531 0090 copyright of IR Bank Jatim Tbk 52
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