Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Bank Jatim — Q1 2014 Earnings Presentation
45 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, 2014
Slide 1: Analyst Meeting Q1-2014
Analyst Meeting Q1-2014
Slide 2: Agenda
AGENDA ECONOMIC OUTLOOK FINANCIAL HIGHLIGHTS OVERVIEW & INVESTMENT HIGHLIGHTS STRENGHTS Copyright IRU BJTM 2
Slide 3: Table of Contents
TABLE OF CONTENTS Description Page Description Page Agenda 2 -Type of Loan 22 Table of Contents 3 -Loan 23 – 27 Section 1 – Economic Outlook 4–9 - Multipurpose Loan 28 - Macro Economy 5 - Loan Interest Rate 29 -Bank Jatim Among All Bank In Indonesia 6 - BPR Linkage Program & JETS 30 -The Economic Po
Slide 4: Section: Economic Outlook
bankjatim J 7 SECTION 1 ECONOMIC OUTLOOK
Slide 5: Macro Economy
MACRO ECONOMY Copyright IRU BJTM 5
Slide 6: Bank Jatim Among All Bank in Indonesia
BANK JATIM AMONG ALL BANK IN INDONESIA Third Party Paid No Bank Asset Loan Net Income Fund Capital 1 Bank Mandiri 647,152 416,978 499,718 11,667 16,994 2 BRI 606,370 430,622 486,366 6,167 21,160 3 BCA 488,508 312,380 409,514 1,541 14,364 4 BNI 371,046 239,363 280,744 9,055 8,800 5 CIM Niaga 213,574
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 2013 1. Number of 36.972.282 37.236.149 37.476.757 37.687.622 38.052.950 38.318.791 population 2. Growth rate (%) 0,72 0,71 0,64 0,81 0,72 0,70 Economic Growth In trillion rupiah No Region FY12 FY13 1. DKI
Slide 8: East Java at Glance
EAST JAVA AT GLANCE ECONOMY STRUCTURE ECONOMY STRUCTURE (as per December 2012) (as December 2013) NO DESCRIPTION % NO DESCRIPTION % 1. Agriculture 10.73 1. Agriculture 14.91 2. Mining & Quarrying 2.22 2. Mining & Quarrying 2.00 3. Processing Industry 25.84 3. Processing Industry 26.60 4. Electricity
Slide 9: Bank Jatim Among All Bank in East Java
Bank jatim Among ALL BANK IN EAST JAVA No Bank Asset Loan Third Party Fund 1 BRI 58.658 48.607 47.682 2 BCA 56.168 28.965 55.239 3 Mandiri 47.373 44.598 38.750 4 BNI 36.527 29.459 25.470 5 Bank Jatim 33.047 22.084 25.988 5 5 4 6 CIMB Niaga 18.592 13.140 14.057 7 Bank Permata 14.293 11.612 9.882 8 Ba
Slide 10: Section: Financial Highlights
bankjatim Jf SECTION 2 FINANCIAL HIGHLIGHTS
Slide 11: Balance Sheet
BALANCE SHEET In Million Rp. Information 3M13 3M14 YoY 1Q13 4Q13 1Q14 YoY QoQ Total Asset 8,86% 3.465.592 (2.462.222) 2.417.630 -30.24% -198.19% 32.577.785 35.464.167 Placement BI & SBI 11,51% (198.922) 117.504 (146.065) -26.57% -224.31% 1.904.417 2.123.654 Placement Other -30,09% 3.602.073 (4.091.2
Slide 12: Profit & Loss
PROFIT & LOSS In Million Rp. Information 3M13 3M14 YoY 1Q13 4Q13 1Q14 YoY QoQ Interest Income 720.112 930.967 29,28% 720.112 929.005 930.967 29,28% 0.21% Interest Expense (172.181) (218.372) 26,83% (172.181) (235.837) (218.372) 26,83% -7.41% Nett Interest Income 547.931 712.595 30,05% 547.931 693.17
Slide 13: Financial Performance
FINANCIAL PERFORMANCE Financial Performance INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) CAGR = CAGR = CAGR = 11.83% 6.26% 19.84% THIRD PARTY FUND(Rp Tril) LOAN (Rp Tril) TOTAL ASSET (Rp Tril) CAGR = CAGR = CAGR = 14.75 % 21% 15.61% Copyright IRU BJTM 13
Slide 14: Financial Ratio
FINANCIAL RATIO R R O O A E N L I D M R B O C P A O R Copyright IRU BJTM 14
Slide 15: Section: Overview & Investment Highlights
bankjatim y 7 SECTION 3 OVERVIEW & INVESTMENT HIGHLIGHTS
Slide 16: Board of Directors
BOARDBOARD OF DIRECTOR OF DIRECTORS Bank Jatim is led by an experienced management team with deep knowledge on Indonesia’s banking sector. HADI SUKRIANTO, President Director 56 years old, obtained his Master’Degree from Universitas 17 Agustus 1945 Surabaya in 2003. Has joined Bank Jatim since 19
Slide 17: Board of Commissioners
BOARD BOARD OF COMMISIONER OF COMMISSIONER Bank Jatim is led by an experienced management team with deep knowledge on Indonesia’s banking sector. MULJANTO, President Commissioner SOEBAGYO, Independent Commissioner 60 years old, obtained his Master Degree from UPN Veteran 64 years old, obtained h
Slide 18: Third Party Fund
THIRD PARTY FUND In Billion Rp. YoY Current Acc. -3,40% Saving Acc. 22,64% Time Dep. 21,33% Copyright IRU BJTM 18
Slide 19: Third Party Fund
THIRD PARTY FUND In Billion Rp. Government Current Acc. YoY -4,53% Private Current Acc. YoY 0,86% SIMPEDA YoY 16,47% SIKLUS YoY 30,51% Hajj Saving YoY 3,87% TabunganKu YoY 121,49% Barokah Saving YoY 49,68% Time Deposit YoY 21,32% Copyright IRU BJTM 19
Slide 20: Third Party Fund
THIRD PARTY FUND Copyright IRU BJTM 20
Slide 21: New Products: ATM & KPE
NEW PRODUCTS ATM & KPE Copyright IRU BJTM 21
Slide 22: Type of Loan
TYPETYPE OF OF LOAN LOAN Bank Jatim provides various products and comprehensive services with high quality to cater all of the customers needs. LOAN % Total Loan CONSUMER LOAN Mar 13 Mar 14 ► Multipurpose Loan 59,25% 57,61% ► Mortgage Loan 3,98% 4,84% ► Others 2,69% 2,52% 65,91% 64,98% COMMERCIAL LO
Slide 23: Loan
LOAN In Billion Rp. YoY Consumer 18,81% Commercial 50,91% SME -0,51% Copyright IRU BJTM 23
Slide 24: Loan
LOAN In Billion Rp. Multiguna YoY 17,19% KPR YoY 46,65% Others YoY 13,26% Copyright IRU BJTM 24
Slide 25: Loan
LOAN In Billion Rp. Standby Loan YoY 40,74% Keppres YoY -8,03% Overdraft YoY 100,55% Syndicate YoY 7,12% Copyright IRU BJTM 25
Slide 26: Loan
LOAN In Billion Rp. KUR YoY - 23,79% Pundi Kencana YoY 117,61% Laguna YoY - 25,93% Others YoY 12,71% Copyright IRU BJTM 26
Slide 27: Loan: Total Customers and Ticket Size
LOAN bankjatim Total Customer Consumer Commercial BSME 263,169 264,742 260,490 261,230 260,862 957,045 287,915 a6, 304 256,095 | [..- Be Ise L. 554 Le Le Bee | 3M12 4H12 9M12 FY12 3M13 4H13 9M13 FY13 3M14 Ticket Size =<Consumer =a=Commercial ~« SME 796.78 693.65 764.28 624,03 606.78 487.55 514.4 6.
Slide 28: Multipurpose Loan
MULTIPURPOSE LOAN Feature Details Description Details Pricing 16%-18% Civil Servants 435.234 (per Sept 2013) Multipurpose 216.705 Maximum 10 Years (Extendable; Customer Tenor subject to duration of (Civil Servants) employment) % 49,27% Maximum • Maximum 80% of Loan Limit monthly salary can be Multip
Slide 29: Loan Interest Rate
LOAN INTEREST RATE ALCO Description NO.051/008/ALCO Consumer Loan 8.50% - 11% p.a Flat Multipurpose 15.40% - 17.20% p.a Annuity Mortgage 10.25% 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 Keppres
Slide 30: Linkage Program to Rural Bank & JETS
LINKAGE PROGRAM to RURAL BANK & JETS One of transfer system service to Rural Bank in Bank Jatim is • Outstanding : Rp. 386,74 JETS (Jatim Electronic Transfer System). In this case, Bank Billion Jatim acting as an organizer and Rural bank as participants. Linkage Program • Consists of 72 members Exec
Slide 31: NPL Each Segment
NPL Each Segment 3M13 6M13 9M13 FY13 3M14 Consumer Loan 0.36% 0.39% 0.47% 0.13% 0.45% SME Loan 13.66% 14.18% 12.50% 12.45% 12.49% Commercial 2.95% 3.21% 3.63% 7.07% 6.6% Loan Ratio FY12 3M13 1H13 9M13 FY13 3M14 NPL Gross 2,95% 3,15% 3,29% 3,13% 3,44% 3,55% Coverage Coverage Coverage Coverage Coverag
Slide 32: Human Resources
HUMAN RESOURCES * Exclude No DATA 3M13 3M14 outsourcing Board of 1 4 3 Commisioner Board of Sharia 2 3 3 Supervisory 3 Director 5 3 4 Management 1 14 15 Target No Program 2013 Description 2014 5 Management 2 67 71 1 Manajement Trainee (MT) 21 15 Pjs. Manager - 6 Management 3 115 181 6 Waiting for pl
Slide 33: Business Plan 2014
BUSSINESS PLAN 2014 Description Target • Strategy of achieving loan growth 25,51% Total Asset 18,96% is by distributioning loan of consumer 2,3 Billion, consists of Multipuspose Loan 2 Loan 25,51% Billion, and the rest is Mortgage and Talangan Haji. Followed by SME Loan 2 Third Party Fund 24,88% Bil
Slide 34: Section: Strengths
bankjatim J 7 SECTION 4 STRENGHTS
Slide 35: Competitive Funding Composition
1. COMPETITIve FUNDING COMPOSITION CASA March 2014 70,8 % Copyright IRU BJTM 35
Slide 36: Maintain Low Cost of Fund
2. MAINTAIN LOW COST OF FUND Copyright IRU BJTM 36
Slide 37: Micro Loan
3. MICRO LOAN KINERJA REALISASI PENCAIRAN per tanggal : 28 Maret 2014 KODE DISBURSEMENT POSISI FEB-MAR 2014 % ACHIEVEMENT NO UNIT RR NPL UNIT Mar-14 PLAFOND Out Standing NOA AVG MRG OS AVG MRG SURABAYA 1 1 Kalibutuh 900.000 960.000 958.173 3 16,95% 100,00% 0,00% 63,16% 77,06% 2 2 Wiyung 1.051.000 1.
Slide 38: Micro Loan
3. MICRO LOAN REALISASI PENCAIRAN per tanggal : 22-Apr-14 PENCAIRAN TANGGAL MOUNTH TO DATE (MTD) TARGET KUMULATIF % PENCAPAIAN YEAR TO DATE (YTD) PENCAIRAN KUMULATIF PENCAIRAN NO UNIT 22-Apr-14 Apr-14 Apr-14 PENCAIRAN KUMULATIF THN 2014 BLN BLN Apr-14 PLAFOND RATE NOA PLAFOND RATE NOA PLAFOND RATE P
Slide 39: Wide Network
4. Wide network Network 2009 2010 2011 2012 2013 Maret 2014 Head Office 1 1 1 1 1 1 Branch Office 39 41 41 41 41 42 Sub Branch 26 44 67 81 107 129 Office Cash office 151 154 164 164 176 160 Sharia service 37 37 47 47 47 47 office Payment 78 88 115 138 155 154 Point 2014 2015 2016 2017 2018 Mobile ca
Slide 40: Highest Current Account Market Share in East Java
5. Highest CURRENT ACCOUNT MARKET Share in EAST JAVA In Trilion Rp. Dec 2013 3M14 No Description % East Java Bank Jatim 1. Total Asset 420,52 35,46 8,43% 2. Third Party Fund 335,31 28,20 8.41% - Current Account 51,85 11,69 22,54% - Saving Account 140,54 8,29 5,89% - Time Deposit 121,31 8,23 6,78% 3.
Slide 41: Bank Jatim 2nd Among Best Regional Bank
6. Bank jatim 2nd Among BEST REGIONAL BANK In Billion Rp. Asset Kredit DPK Modal Laba Bersih BJB * 67041 44990 46761 2424 1385 Bank Jatim* 33047 2 22084 2 25988 2 5719 1 824 2 Bank DKI 31097 18018 22115 1931 802 Bank Jateng 30908 21267 2493 1217 717 Bank Kaltim 27554 18199 21347 264 683 Bank SUMUT 2
Slide 42: High Dividend Yield
7. HIGH DIVIDEND YIELD 8.6 7.3 3.4 3.6 % % % 2% % BJTM BJBR BBTN BBKP INDUSTRY Bank Share px Market Cap PBV PER Dividend Yield (22/04/2014) Rp bn Bank Jatim 472 7.041 1.2 7.7 8.6% Bukopin 640 5.815 0.9 5.4 3.6% Bank Jabar Banten 1005 9.745 1.4 6.7 7.3% BTN 1315 13.893 1.2 8.9 3.4% BTPN 4160 24.296 2
Slide 43: Awards & Achievements
8. AWARDS & ACHIEVEMENTS Platinum Indonesia Bank IAIR Awards Award Loyalty Award 2014 Infobank 2014 2013 Best Services Indonesia Excellence Banking 2013 Award 2013 Copyright IRU BJTM 43
Slide 44: Foreign Institution Investor
Foreign Institution Investor Jan 2013 Foreign Institution Investor Jan 2014 30,09 % from public shares 46,03 % from public shares Public shares 20 % from paid capital Domestic Investor Jan 2013 Domestic Investor Jan 2014 69,91 % from public shares 53,97 % from public shares 44 Copyright IRU BJTM
Slide 45: Contact
MICRO LOAN CONTACT Investor Relation Unit (IRU) Corporate Secretary (031) 5310090 www.bankjatim.co.id MICRO LOAN - Ferdian Timur S. – Ext. 472 Investor Relation Manager - Maylissa Ika P. – Ext. 469 IR Officer -Lukas Yudhi W.S – Ext . 468 IR Staff -Frizki Putera N – Ext. 469 IR Staff Copyright IRU BJ