Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — 9M 2013 Earnings Presentation
42 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, Oct 28, 2013
Slide 1: Company Performance Presentation (Analyst Meeting 9M13)
Company Performance Presentation (Analyst Meeting 9M13) PT BANK PEMBANGUNAN DAERAH JAWA TIMUR Tbk 28 Oktober 2013
Slide 2: Table of Contents
TABLE OF CONTENTS Description Page Description Page Table of Contents 2 Section 3 – Overview & Investments 15 – 29 Highlights Agenda 3 - Third Party Fund 16 – 18 Section 1 4–9 - CASA Ratio 19 - Macro Economy 5 - Cost of Fund 20 - National Banking Sector Performance 6 - ATM & KPE 21 - East Java at Gl
Slide 3: Agenda
AGENDA ECONOMIC OUTLOOK FINANCIAL HIGHLIGHTS OVERVIEW & INVESTMENTS HIGHLIGHTS STRENGHTS Copyright IRU - BJTM 3
Slide 4: Economic Outlook
SECTION 1 ECONOMIC OUTLOOK Copyright IRU - BJTM 4
Slide 5: Macro Economy
MACRO ECONOMY Copyright IRU - BJTM 5
Slide 6: National Banking Sector Performance
NATIONAL BANKING SECTOR PERFORMANCE Copyright IRU - BJTM 6
Slide 7: East Java at Glance
EAST JAVA AT GLANCE Economic Growth No Region FY12 1H13 EAST JAVA ECONOMIC GROWTH : 1. DKI Jakarta 6.53 6.30 East Java Economic performances growth up to 6.97% (YoY) on 1H2013, higher than BI estimates 2. East Java 7.27 6.97 (6.6%-6.8% YoY) Demand section contribute by household 3. West Java 6.21 6.
Slide 8: East Java at Glance: Economy Structure
EAST JAVA AT GLANCE ECONOMY STRUCTURE 5,07% - Finance, Rent, Company (as per june 2013) 7.99% - Services NO DESCRIPTION % Pertanian 2.01% - Mining & Quarrying 1. Agriculture 15.63 Pertambangan Dan Penggalian 15.63% 2. Mining & Quarrying 2.01 Agriculture Industri Pengolahan 3. Processing Industry 26.
Slide 9: East Java Market Share
EAST JAVA MARKET SHARE 2012 2012 Jun 2013 Jun 2013 No Description % % East Java Bank Jatim East Java Bank Jatim 1. Total Asset 353,60 29,11 8,23% 379,47 33,85 8,92% 2. Third Party Fund 289,09 22,20 7,67% 293,80 27,41 9,33% - Current Account 47,67 9,66 20,26% 45,98 12,08 26,28% - Saving Account 134,2
Slide 10: Financial Highlights
SECTION 2 FINANCIAL HIGHLIGHTS Copyright IRU - BJTM 10
Slide 11: Balance Sheet
BALANCE SHEET In Million Rp. Information 9M12 9M13 YoY 3Q12 1Q13 2Q13 3Q13 YoY QoQ Total Asset 32.850.811 35.508.757 8,09% 2.741.131 3.465.592 1.274.303 1.656.670 - 39,57% 30% Placement BI & SBI 3.419.672 2.152.215 - 37,07% 702.429 (198.922) 236.403 11.395 - 98,38% - 95,18% Placement Other 6.991.633
Slide 12: Profit & Loss
PROFIT & LOSS In Million Rp. Information 9M12 9M13 YoY 3Q12 1Q13 2Q13 3Q13 YoY QoQ Interest Income 2.086.696 2.391.366 14,60% 779.889 720.112 785.590 885.663 13,56% 12,73% Interest Expense (633.185) (623.638) - 1,51% (215.728) (172.181) (227.045) (224.412) 4,02% - 1,16% Nett Interest Income 1.453.51
Slide 13: Financial Ratio
FINANCIAL RATIO R R O O A E N L I D M R B C O A P R O Copyright IRU - BJTM 13
Slide 14: Financial Ratio: NPL
FINANCIAL RATIO NPL Bank Jatim decrease from June 2013 which is 3,29% become 3,13% in September 2013. Ratio 2012 Sept 2012 Sept 2013 NPL Gross 2,95% 2,72% 3,13% Copyright IRU - BJTM 14
Slide 15: Overview & Investments Highlights
SECTION 3 OVERVIEW & INVESTMENTS HIGHLIGHTS Copyright IRU - BJTM 15
Slide 16: Third Party Fund
THIRD PARTY FUND In Billion Rp. Copyright IRU - BJTM 16
Slide 17: Third Party Fund
THIRD PARTY FUND In Billion Rp. Copyright IRU - BJTM 17
Slide 18: Third Party Fund
THIRD PARTY FUND Copyright IRU - BJTM 18
Slide 19: CASA Ratio
CASA RATIO CASA RATIO BANK (June 2013) Bank Jatim 73,9% 2 Bank Jabar Banten 48,5% Bank Mandiri 64,9% BTN 49,2% CASA RATIO Bank Jatim BTPN 16,4% September 2013 : 70,68% BRI 58,6% BCA 80,8% Bank Danamon 44,6% BNI 67,9% Bank Panin 60,1% Copyright IRU - BJTM 19
Slide 20: Cost of Fund
COST OF FUND Copyright IRU - BJTM 20
Slide 21: ATM & KPE
ATM & KPE Copyright IRU - BJTM 21
Slide 22: Loan
LOAN In Billion Rp. Copyright IRU - BJTM 22
Slide 23: Loan
LOAN In Billion Rp. Multiguna YoY 15,82% KPR YoY 68,63% Others YoY 21,30% Copyright IRU - BJTM 23
Slide 24: Loan
LOAN In Billion Rp. Standby Loan YoY 9,11% Keppres YoY 6,88% Overdraft YoY 40,75% Syndicate YoY - 4,60% Copyright IRU - BJTM 24
Slide 25: Loan
LOAN In Billion Rp. KUR YoY - 27,12% Pundi Kencana YoY 103,82% Laguna YoY - 22,61% Others YoY 15,57% Copyright IRU - BJTM 25
Slide 26: Loan
263,169 264,742 260,490 263,293 260,862 36,498 39,306 40,809 39,376 41,554 42,097 43,553 12 at | yh at | a | | orf Total Customer Consumer Commercial & SME 257,846 257,915 3M12 1H12 9M12 FY12 3M13 1H13 9M13 Ticket Size Consumer -a-Commercial — —SME fr 764.28 seers 606.78 624.03 q 487.55 514.45 562.7
Slide 27: Multipurpose Loan
MULTIPURPOSE LOAN Bank Jatim aims to tap retired civil servants and payroll account from private companies in East Java. Copyright IRU - BJTM 27
Slide 28: Loan Interest Rate
LOAN INTEREST RATE ALCO Description NO.051/008/ALCO Consumer Loan 8.50% - 11% p.a Flat Multipurpose 15.20% - 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 Keppres
Slide 29: Micro Loan
MICRO LOAN Worksite (lokasi Kerja) Direct Individual & Collective Kantor Bank Jatim Traditional Market market Place & Group Customer 10 km Sales Activity : Radius 10 km Community Concept (certain • Existing Customer radius) • New Customer Copyright IRU - BJTM 29
Slide 30: Micro Loan
MICRO LOAN Maintain Maintain Action: - Welcoming greeting Day 1+ - Verification data - Cek sidestreaming Disbursement Maintain Action: Day 15+ - Relationship Maintain Action: Day 30+ - Relationship - Collection Electronic Data Capture Mobile Called Mobile EDC Machine or tools used by RO/CPU Officer
Slide 31: Micro Loan: Bank Jatim Micro Product
MICRO LOAN Bank Jatim Micro Product Segmented Product fiture of Working Capital & Investment Product Jatim 50 Jatim 300 Jatim 500 > 200 Mil - 500 Plafond until 50 Million > 50 Mil – 300 Mil Mil Period of Working Capital Max 36 months Max 36 months Max 36 months Loan Period of Investment Loan Max 60
Slide 32: Micro Loan: 45 Implants Micro Unit 2013
MICRO LOAN 45 implants micro unit 2013 Area Area Area Area Area Area Surabaya Gresik Sidoajo Mojokerto Kediri Madiun (10 Units) ( 7 units ) ( 8 units ) ( 5 units ) ( 9 units ) ( 6 units) SB. Kalibutuh CO. Menganti B. Sidoarjo B. Mojokerto B. Kediri B. Madiun Kyai Hj.Mansyur SB. Sedayu SB. Krian SB.
Slide 33: Recovery
RECOVERY Total Recovery Realization Mar Realization June Realization Sept Total Jan - Sept No Information 2012 2013 2013 2013 2013 Claim of loan insurance 1 (70% of outstanding 94.751.054.641 38.886.986.289 11.343.226.703 15.319.730.164 135.739.371.881 loan-write off) Result of loan collection after
Slide 34: Strenghts
SECTION 4 STRENGHTS Copyright IRU - BJTM 34
Slide 35: Human Resources
HUMAN RESOURCES * Exclude outsourcing Copyright IRU - BJTM 35
Slide 36: Information Technology: IT Plan 2013
INFORMATION TECHNOLOGY IT PLAN 2013 Launching Live e-payment container Cooperation with Terminal Peti Kemas Surabaya, by steps : 1. Assurance payment by Host to Host System 2. Assurance payment by script fund (warkat dana) 3. Assurance payment by Running Deposit Copyright IRU - BJTM 36
Slide 37: Office Network
OFFICE NETWORK Network 2009 2010 2011 2012 Mar Jun Sept 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 Office 26 44 67 81 89 93 103 60 Cash office 151 154 164 164 162 160 154 49 Sharia service office 37 37 47 47 47 47 47 0 Payment Point 78
Slide 38: New Products
NEW PRODUCTS Co Branding Flazz Mobile SMS Banking Banking Sharia : 3366 Autosave Internet KLE (Kantor Banking Layanan Emas) 2013 Priority Banking 2014 H2H EDC for Dealing Room Micro Tiering ATM Card Copyright IRU - BJTM 38
Slide 39: BPR Linkage Program
BPR LINKAGE PROGRAM • Outstanding : 368,2 Billion Rp. Linkage Program • Consists of 70 members Executing • Outstanding : 3,49 Billion Rp. Linkage • Consists of 2 members Program KUR • Outstanding : 6,92 Billion Rp. Linkage BPR • Consists of 2 members Non APEX Copyright IRU - BJTM 39
Slide 40: JETS
JETS One of transfer system service to BPR in Bank Jatim is JETS (Jatim Electronic Transfer System). In this case, Bank Jatim acting as an organizer and BPR as participants. The members of JETS : • 18 BPR pilot project was done kick off meeting • 87 BPR who engage themselves in the implementation of
Slide 41: Awards & Achievements
AWARDS & ACHIEVEMENTS Indonesia Bank Loyalty Award 2013 Platinum Award Infobank 2013 Indonesia Banking Award 2013 Copyright IRU - BJTM 41
Slide 42: Board of Director
BOARD OF DIRECTOR Investor Relation Unit Head Office 4th Floor Basuki Rahmat 98-104 Surabaya 60271 Email : iru@bankjatim.co.id Phone : (031) 531 0090 Fax : (031) 5310838 Copyright IRU - BJTM 42
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