Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Bank Jatim — Q3 2012 Earnings Presentation
54 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Nov 14, 2012
Slide 1: Q3 2012 Analyst Meeting
3 Q12 Analyst Meeting 11/14/2012 1
Slide 2: Agenda
Page Page Macro Outlook 3-10 Loan 29-41 Macro Economic Outlook 4 Banking Sector Performances 5 Loan Composition 29-30 East Java at a glance 6 Consumer Loan (multiguna) 31 Economic & inflation performances 7 Multiguna’s Trend 32 Economic and manpower 8 Multiguna’s growth strategy 33-35 GDP of East Ja
Slide 3: Macro Outlook
MACRO OUTLOOK 11/14/2012 3
Slide 4: Macro Economic Outlook
MACRO ECONOMIC OUTLOOK Source : Bank Indonesia 11/14/2012 4
Slide 5: Banking Sector Performances
BANKING SECTOR PERFOMANCES Source: Bank Indonesia 11/14/2012 5
Slide 6: East Java at a Glance
EAST JAVA AT A GLANCE Area : 47.154 km2 Largest at Java Island Topography of area consist of fertile lowland, mountains and coastal. Administration area: 38 Regencies/ Cities the most in Indonesia Social-culture :heterogen which divided into Mataraman, Madura and Pandalungan area. No Des
Slide 7: Economic & Inflation Performances
ECONOMIC & INFLATION PERFOMANCES East Java and National Growth Chart (c to c) % C to C Inflation 2009 2010 2011 Jan-Sep 2012 % 3,62 6,96 4,09 3,55 High growth followed by decline in inflation indicates the growth potential increasing welfare. 11/14/2012 7
Slide 8: Economic Sector & Manpower
ECONOMIC SECTOR & MANPOWER 4,86% - Financial & leasing 7,86% - Services Pertanian 2,07% - Mining & Excavation Pertambangan Dan 17,16% Penggalian Others Agriculture Industri Pengolahan Social Services 12,61% 39,70% 5,54% - transportation & Listrik, Gas dan Air 12,98% Agriculture communication 30,04%
Slide 9: GDP of East Java
GDP of EAST JAVA 2011 2012 YoY YTD QoQ Information 1H11 9M11 FY11 3M12 1H12 Agriculture 13.773.813 13.336.371 10.507.871 15.903.128 13.954.912 1.31% 32.80% -12.25% Mining & 2.085.751 2.139.238 2.201.521 1.893.917 2.120.466 1.66% -3.68% 11.96% Excavation Processing 22.560.496 23.274.729 24.299.093 23
Slide 10: Comparison of East Java's GDP and Another Provinces
COMPARISON OF EAST JAVA’S GDP AND ANOTHER PROVINCES 2011 (%) Java ‘s GDP Contribution to National GDP in No Provinces Economic Contribution Semester I – 2012 (in totally) Growth To National 18.00 16.17 GDP 16.00 14.16 14.80 14.00 1. DKI Jakarta 6,71 16,32 12.00 2. East Java 7,22 14,68 10.00 8.40 3.
Slide 11: Financial Review
FINANCIAL REVIEW 11/14/2012 11
Slide 12: Balance Sheet
BALANCE SHEET (Jutaan Rupiah) Description 9M11 FY11 2Q12 9M12 YoY YTD QoQ Total Asset 25.751.442 24.846.516 30.109.680 32.850.811 27,57% 32.21% 9.10% Loans 15.850.042 15.921.114 17.831.361 18.663.183 17,75% 17.22% 4.66% Impairment Losses (203.605) (100.730) (284.311) (296.364) 45,56% 194.22% 4.24% R
Slide 13: Total Asset, Loan and Deposits Monthly
bankjatim, # bersama kami, berkembang pasti Total Asset 32,851 Loan 30,385 30,234 34292 36 og3 18,663 29,340 7-79" 29,725 °% ’ 18,407 18,381 2 26,060 26,475 18,059 17,584 17,053 16,562 16,183 15,895 | Jan Feb Mar Apr May Jun Jul Aug Sept Jan Feb Mar Apr May jun i Aus Sept Deposits 26,382 24,394 2536
Slide 14: Income Statement
INCOME STATEMENT (Jutaan Rupiah) 3Q11 4Q11 1Q12 2Q12 3Q12 YoY Q0Q Interest Income 719,289 717,842 666,392 640,415 779,889 8.4% 21.8% Interest (209,739) (209,323) (196,881) (220,575) (215,729) 2.9% -2.2% Net Interest Income 509,571 508,518 469,511 419,840 564,161 10.7% 34.4% Non-Interest Operating In
Slide 15: Operating Income and Expenses
Operating Income 2,338,187 2,097,984 1,840,091 1,479,207 1,270,820, 996,910 738,962 484,899 260, ri | Lil Jan Feb Mar Apr — 7 AUS Sept May jun jul Interest Income 2,086,696 439, 728, 239,991 Al 1 bankjatim, # bersama kami, berkembang pasti Operation Expenditure 1,637,125 1,442,444 1,257,998 UU] Oper
Slide 16: Financial Ratio
FINANCIAL RATIO Description Dec 2011 Sept 2011 Sept 2012 ROA 4,97% 5,29% 3,17% ROE 33,65% 36,25% 18,86% NIM 7,95% 7,94% 6,55% CAR 16,53% 15,99% 25,24% LDR 80,11% 73,22% 70,74% NPL-Gross 0,97% 1,18% 2,72% NPL-Net 0,55% 0,48% 1,48% BOPO 60,02% 57,09% 70,02% 11/14/2012 16
Slide 17: ROA and ROE
bankjatim, # bersama kami, berkembang pasti ROA ROE Sept 18.86% Aug 20.46% Jub 21.62% Jun 22.44% May | 23.10% Apr [25.81% 4.26% Mar 27.18% 4.33% Feb 27.17% 4.81% Jan 30.69% Sept Aug Jul Jun May Apr Mar Feb Jan 7.97% 11/14/2012 17
Slide 18: LDR, NPL Gross and BOPO
bankjatim y 7 LOR 78.16% NPL Gross 76.28% 75.42% : 70.98% 73.66% 70.74% 67.90% 67.93%. 71.52% 7 2.62% 2.72% 2.55% 1.80% 191% 193% 1.36% 1.11% | Jan Feb Mar Apr May Jun Jul Aug Sept Jan Feb Mar Apr May Jun Jul Aug Sept yy, 40-56% 41.01% BOPO 36.24% 38.19% 34.53% 35.96% 36. 53% ° 68.23% 59 5%? 67.24%
Slide 19: Deposits
DEPOSITS 11/14/2012 19
Slide 20: Deposit Breakdown
DEPOSIT BREAKDOWN (in Million) Description Dec 2011 Sept 2011 Sept 2012 YoY YTD Government Current 6.419.288 8.093.088 8.979.763 10% Account 39.89% General Current Account 1.725.979 2.220.994 2.639.765 18% 52.94% Total Current Account 8.145.266 10.314.082 11.619.528 12% 42.65% Simpeda Savings 6.461.
Slide 21: Deposits Breakdown 2012
bankjatim, # bersama kami, berkembang pasti Deposits Breakdown 2012 (billion) Jan Feb | Mar | Apr | May | Jun Jul Aug Sept m Current Account) 9420 | 9863 | 12158 11125 | 10602 | 10732 | 10003 9114 | 11628 © Savings 6424 | 5878 | 5960 | 6523 6461 | 6475 6960 | 6651 | 6347 m Time Deposit 5230 | 5473 |
Slide 22: Deposits per Month
DEPOSITS PER MONTH 11/14/2012 22
Slide 23: Number Customer of Deposits
NUMBER CUSTOMER OF DEPOSITS Dec 2009 Dec 2010 Dec 2011 Agt 2012 Sept YTD 2012 Government Current Account 161 147 67 113 112 67.16% General Current Account 38.342 40.645 33.102 42.013 42.347 27.93% Simpeda Savings 960.767 1.102.834 1.084.905 1.294.807 1.304.353 20.23% Siklus Savings 15.288 14.705 12.
Slide 24: KPE & ATM User
KPE & ATM USER Kartu Pegawai Elektronik 430,792 349,578 367,109 178,630 206,674 S| | || 2007 2008 2009 2010 2011 Sep-12 ATM user 744,147 679,422 502,250 116,117 135,250 97,872 = 2007 2008 2009 2010 2011 Sep-12 11/14/2012 “Kini anda dapat melakukan berbagai transaksi hanya dengan satu kartu..’ Buka T
Slide 25: Cost of Fund
COST OF FUND Include Government Non Government Current Account Current Account Information Sept 2012 W.AVG Sept 2012 W.AVG Current Account 11.605.700 1,24% 2.625.938 0,08% Savings Account 6.416.535 0,47% 6.416.535 0,71% Time Deposit 1 Month 7.040.716 1,32% 7.040.716 2,00% 3 Months 416.785 0,28% 416.
Slide 26: Cost of Fund
COST OF FUND bankjatim COF + Government 3.95% 3.88% 0, 3.92% 3.79% 3.82%. 990% 3.74% 3.51% 3.07% Jan Mar May Jul Sept COF - Government 4.30% 4.26% 4.23% 4.20% 4.19% ° 4.23% 4.06% 3 740 2.86% Jan Mar May Jul Sept 11/14/2012 26
Slide 27: Average Interest Rate
AVERAGE INTEREST RATE CURRENT ACCOUNT- Sept 2011 Sept 2012 SAVINGS Government Current Account 2,29% 2,18% General Current Account 1,97% 1,89% SIMPEDA Savings 1,38% 2,00% SIKLUS Savings 1,88% 2,25% Hajj Savings 4,00% 1,00% TIME DEPOSIT Sept 2011 Sept 2012 - 1 Month 6,83% 5,94% - 3 Months 6,91% 5,64%
Slide 28: Loan
LOAN 11/14/2012 28
Slide 29: Loan Composition
LOAN COMPOSITION Sept 2011 Des 2011 June 2012 Sept 2012 % From YoY YTD QoQ Total Loan (in million) Consumer Loan 9.442.552 9.565.513 10.357.417 10.548.335 59.97% 11.71% 10.27% 1.84% Multiguna 8.811.017 8.869.102 9.477.478 9.598.999 54.57% 8.94% 8.23% 1.28% KPR 241.866 291.585 454.459 513.052 2.91% 1
Slide 30: Loan Composition
LOAN COMPOSITION 11/14/2012 30
Slide 31: Consumer Loan (Multiguna)
Consumer Loan (Multiguna) • From 471.814 Civil Servants in East Java, approximately 52,31 has been served by Bank Jatim in Q3-2012 and become 52,42% in Oct 2012 • In September 2012, number of Civil Servants increased by 14% and from Januari- June 2012, has been increased by 4% • These number civil s
Slide 32: Multiguna's Trend
Multiguna’s Trend 11/14/2012 32 -32-
Slide 33: Multiguna's Growth Strategy
Multiguna’s Growth Strategy Feature Details Detail Interest Rate 16%-18% Interest Rate 16%-18% Maximum Tenor 10 Years (Extendable; subject Maximum 8 Years (Extendable; to duration of employment) Tenor subject to duration of employment) Maximum Loan • Maximum 80% of monthly Limit salary can be used f
Slide 34: Multiguna's Growth Strategy
Multiguna’s Growth Strategy Branch MULTIGUNA ‘S AGREEMENT NUMBER OF EMPLOYEE Main Branch 1. Sekolah Tinggi Penerbangan AL 60 2. Jurusan Teknik Informatika ITS Surabaya 60 3. PT.Pos Indonesia Area VII Jawa Timur 3.400 Banyuwangi Branch 1. MI Miftahul Ulum Muncar 24 2. UNTAG Banyuwangi 190 Jember Bran
Slide 35: Multiguna's Growth Strategy
Multiguna’s Growth Strategy Branch Multiguna’s Agreement NUMBER OF EMPLOYEE Malang Branch 1. RSJ Radjiman Wediodiningrat Lawang 800 2. PDAM Kab. Malang 513 3. Universitas Muhammadiyah Malang 576 Ngawi Branch 1. PGM Banjarejo Perum Perhutani 55 2. TPK Banjarejo Perum Perhutani 22 Kraksaan Branch 1. K
Slide 36: Top Ten Loans by Industry Concentration
Top Ten Loans By Industry Concentration (in million) 12,000,000 10,000,000 8,000,000 6,000,000 Dec-10 4,000,000 Sep-11 2,000,000 Dec-11 - Jun-12 Sep-12 Wholesale & Processing Social Education House hold retail sale Construction Agriculture Electric Industry Services Real Estate Services Financial Ot
Slide 37: Number of Loan Customer
NUMBER OF LOAN CUSTOMER LOAN TYPE FY09 FY10 YoY 9M11 % FY11 1H12 9M12 % YoY YtD QnQ Consumer Loan Multiguna 246,147 254,942 4% 252,883 84.41% 247,024 249,508 245,935 79.69% -3.11% -0.44% -1.43% Commercial Loan Standby Loan 538 845 57% 1,490 0.50% 1,191 1,340 1,931 0.63% 40.95% 62.13% 44.10% Keppres
Slide 38: NPL to Loan Outstanding
NPL To Loan Outstanding (Dalam Jutaan Rupiah) Loan Type FY09 FY10 9M11 % FY11 1H12 9M12 % YoY YTD QoQ Multiguna 9,933 4,117 7,478 0.05% 4,900 18,096 16,631 0.09% 122.40% 239% -8% KUR 0 234 50,810 0.34% 70,252 137,736 169,285 0.96% 233.17% 141% 23% Standby Loan 18,269 9,334 12,660 0.08% 4,854 4,768 1
Slide 39: NPL to Loan Scheme
NPL To Loan Scheme ** Percentage from Outstanding ** Excluded Shariah 11/14/2012 39
Slide 40: Impairment Losses 2012
IMPAIRMENT LOSSES 2012 350 316 308 300 297 285 251 254 250 234255 236 207 200 CKPN KOLEKTIF 181 CKPN INDIVIDUAL Total CKPN 150 131 151 132 121 103 100 81 62 57 84 61 51 50 50 48 48 48 40 - Jan Feb Mar Apr May Jun Jul Aug Sept 11/14/2012 40
Slide 41: Strategy Reducing NPL & Impairment Losses
STRATEGY REDUCING NPL & IMPAIRMENT LOSSES September 2012 October 2012 November 2012 December 2012 Total Recovery 14.660 22.603 10.441 10.387 CKPN Action Plan Action Plan Member PIC Branch PIC Head Office Monthly Meeting Branch Manager & Branch -Middle & Corporate Loan Supervisor Manager Division -Sp
Slide 42: BPR APEX
BPR APEX Linkage Program Program Agt 2012 Members Sept 2012 Members ( Outstanding) ( Outstanding ) Linkage Program 197.346 63 BPR 197.845 63 BPR Executing Linkage program KUR – 9.947 2 BPR 9.514 2 BPR Executing Linkage BPR Non APEX 4.325 2 BPR 4.184 2 BPR TOTAL 211.618 67 BPR 211.543 67 BPR Statutor
Slide 43: Company Profile
COMPANY PROFILE 11/14/2012 43
Slide 44: Operation Networking
OPERATION NETWORKING Description Des Des Sept Des Sept Target BP 2009 2010 2011 2011 2012 Des’ 2012 12 Head Office 1 1 1 1 1 1 0 Branch 39 41 41 41 41 41 0 Sub Branch Office 26 44 47 67 67 92 25 Cash Office 151 154 161 164 167 177 13 Payment Point 78 88 111 115 134 144 29 Mobile Cash/ 45 49 56 57 57
Slide 45: Human Resources
HUMAN RESOURCES Description Dec Dec Sept Dec Sept 2009 2010 2011 2011 2012 Board of 4 4 4 4 4 Commisioner Sharia Supervisory 3 3 3 3 3 Board Board of Director 4 4 5 5 5 Management 1 12 13 15 15 15 Management 2 67 64 70 68 71 Management 3 61 54 74 73 111 Management 4 461 479 483 491 533 Staff Adminis
Slide 46: IT Strategy
IT STRATEGY NO DESCRIPTION 1. Product a. Developing & Implementation Internet Banking b. Developing & Implementation SMS & Mobile Banking a. Developing Clearing House System for 300 Rural 2. Tresury Banks in East Java b. Developing ALMA Management Tools a. Developing Loan Originating System 3. Loans
Slide 47: Banking Industry Performance
BANKING INDUSTRY PERFOMANCE 11/14/2012 47
Slide 48: Banking Sector Industry
BANKING SECTOR INDUSTRY Bank Share px Market Cap PBV PER Deviden Yield Rp bn Bank Jatim 375 5.54 1,04 6,24 8,8% Bank Jabar 1.080 10.655 1,88 8,97 5,8% Bank Mandiri 8100 185.955 2,66 13,14 1,8% BTN 1.400 12.166 1,51 9,27 2,5% BTPN 5.050 29.487 4,13 15,84 0,0% 11/14/2012 Bukopin 620 4.970 1,01 6,09 4,
Slide 49: Case on Court
Case On Court Registration Number Plaintiff Bank Jatim’s Amount of Case Position position Case 584/Pdt.G/2007/PN.Sby PT Hikmah Defendant1 13,000,000,000 High Court process by plaintiff Tanggal 21/11/2007 Surya Jaya 13/Pdt.G/2012/PN.Tbn Tanggal CV Mulia Abadi Defendant 1 5,025,000,000 Process 26/06/2
Slide 50: Corporate Social Responsibility
Corporate Social Responsiblity 11/14/2012 50
Slide 51: Share Ownership
SHARE OWNERSHIP PRE-IPO POST IPO Series A Series A Series B Shareholders Shareholders Shareholders Government Government Government Of Provinces Of District/ Cities in Government Of Provinces District/ Cities East Java East Java PUBLIC Of East Java in East Java SHAREHOLDERS 51,46% 28,54% 64,33% 35,6
Slide 52: Awards & Achievements
Awards & Achievement Awards & Achievements Annual Report Award 2010 Committee – State-owned Persatuan Wartawan Indonesia East Java Branch Company with Bapepam, Ditjen Pajak, Bursa Efek Indonesia, Trophy and Charter Award from Persatuan Wartawan Ikatan Akuntansi Indonesia and Corporate Governance Ind
Slide 53: Stock Movement
Stock Movement 11/14/2012 53
Slide 54: Group Investor Relation
Group Investor Relation Bank Jatim Head Office 4 Floor JI, Basuki Rachmad 98-104 SE Email: iru@bankjatim.co.id _ Phone: (031) ) 531 0090 Contact Person: a Revi Adiana Silawati (Corporate Secretary) ext 470 (revi.adiana@bankjatim.co.id) Ferdian Timur Satyagraha (ferdian.satyagraha@bankjatim.co.id) Ma