Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — Bank Pembangunan Daerah Jawa Barat dan Banten (bank bjb) — Q3 2010 Earnings Presentation
30 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, Oct 22, 2010
Slide 1: Q3 2010 Analyst Meeting
Q3 2010 Analyst Meeting Mandarin Hotel, Jakarta - October 22, 2010
Slide 2: Preface, History
Preface, History Established as a result of Changed its name to Obtained permit to Became the first regional nationalisation of an Ex-Dutch PD Bank operate as Foreign development bank to carry out company, “NV Denis”, an Pembangunan Exchange Bank dual banking system, both operational mortgage bank D
Slide 3: Preface, Business Model
Preface, Business Model • To be big top ten bank in Indonesia with good performance and also profitable • Focusing on consumer business (Multiguna Bhakti) and productive micro (Mikro Utama) • Expanding our branch network to nationwide
Slide 4: Ownership
Ownership bank ig Banten EMSA, 0.80 Municipal % WestJava Govt, 7.76% Provincial Govt, 38.26 % Banten a oe West lava Provinciai — Govt, 5.37% Municipal Govt, 23.61 % Capital Structure Shares Rp % A Series 7,272,218,666 1,818,054,666,500 75.00% West Java Provincial Government 3,709,994, 733 927,498,68
Slide 5: Ownership: B Series Breakdown
Be Ea Ownership bank ig B Series Breakdown B Series Shares Breakdown Local Local Retail 241,974,000 9.98% EMSA cooperative EMSA 77,267,000 3.19% Foundations Cooperative 9,000 0.00% Pension Funds Foundations 7,114,500 0.29% Pension Funds 112,150,000 4.63% Insurance Insurance 150,995,000 6.23% Ltd Com
Slide 6: Historical Price
Historical Price Since July 8th 2010 bank bjb already listed in Indonesia Stock Exchange with opening price Rp. 900 per share or increase 50% from the IPO price Rp. 600 per share. Order that subscribe by the investor in price Rp. 600,- are over, with amount of subscribe +/- Rp. 6,0 trillion or 4,1 t
Slide 7: Distribution Network
Distribution Network Distribution Network bank bjb per September 10: • 44 Branches • 45 Cash Offices • 131 Sub Branches • 41 Payment Point • 1 Mobile Office • 295 ATM Bank bjb ATM Card can accessed by 167.705 ATM by: • 22.290 ATM Bersama Network • 15.407 PRIMA ATM • 130.008 PRIMA Debit Points Branch
Slide 8: Branch Expansion Plan
Branch Expansion Plan Expansion Plan 2010 2011 2012 2013 2014 2015 New Branches Outside Medan, Palembang, Padang, Kutai, Kediri, Lampung, Jakarta Selatan, Wet Java & Banten Batam,Pekanbaru, Purwokerto, Magelang Jogja, Malang, Samarinda, Region Makassar, Solo Jayapura Manado, Aceh Kudus, Singapura De
Slide 9: Human Resources
Human Resources Positions Level Commisioner 5 Directors 5 Top Management 21 Middle Management 105 First Line Management 495 Staff 1,381 Employee in Pension Preparation 15 Permanent 2,027 Outsourcing 927 Contract Staff 23 Tenaga Dasar dan Pegawai Teknis*) 534 Driver 422 Security Non Permanent TOTAL b
Slide 10: Management Team
Management Team Agus Ruswendi, President Director Past experiences include President Director – bank bjb (2007 - Present), • Appointed President Director 4 April Director of Funding & Services – bank bjb (2005 - 2007), Head of Treasury – 2007 • Years of Experience at Bank Jabar bank bjb (2004 - 2005
Slide 11: Board of Commisioners
Board of Commisioners Lex Laksamana Zainal Lan, President Commissioner Past experiences include President Commissioner of bank bjb(2006 - Present), Jawa Barat Provincial Secretary (2006 - Present), Assistant of Regional Secretariat of Jawa Barat on Economic Affairs (2004 - 2006) and Head of Environm
Slide 12: Financial Highlights
all Financial Highlights Total Assets Third Party Deposits 42.53 33.75 32.41 23.72 26.04 18.35 2121 23.04 15.54 16.49 Third 2005 2006 2007 2008 2009 *Sep Total 2005 2006 2007 2008 2009 *Sep Party 2010 Assets 2010 Deposits Loans Equity 4.85 22.38 19.63 16.43 3.09 a76 13,92 2.18 a 10.07 180 1.50 / > /
Slide 13: Financial Highlights
Financial Highlights ````````````````````````````````````````````````````````````````
Slide 14: Ratios
Ratios bank bjb Capital Adequacy Ratio 23.69% 21.20% 16.81% 15.01% 14.97% 15.06% Se Se Loan to Deposit Ratio 87.33% 89.44% a a CD: 2 o WH ' oo : Cm: a: CAR 2005 2006 2007 2008 2009 Sep2010 LDR 2005 2006 2007 2008 2 Sep 2010 Net Interest Margin NPL Gross 9.77% 8.45% 2.01% 1.97% 7.63% 7.49% 6.38% 5.97
Slide 15: Ratios
Ratios bank bjb Operational Income to Return on Assets Operational Expenses 3.75% 80.39% 3.04% 79.42% 2.63% 78 00% 77.30% 2.40% 75.41% ‘| 72.52% BOPO 2005 2006 2007 2008 2009 Sep 2010 ROA 2005 2006 2007 2008 2009 Sep2010 Return on Equity 31.70% 28.09% 24.98% 18.93% 4go1% 19.41% / | | | Y 2007 2003 1
Slide 16: Funding Compositions
Funding Compositions bankai Funding Compositions |Current MSaving | Time Deposits i | co | 77 73 2009 Consolidated Consolidated Dec June Sept Current 34.88% 33.02% 30.64% Saving 16.03%) 10.77% 10.73%) Time Deposits 49.09% 56.21% 58.63%) CASA TY sosixl 43.79%] 41.37%
Slide 17: Funding Compositions
Funding Compositions Dec 2009 , December 2009 Gov'tRelated 30.22% 85.54% MGov'tRelated lm Corporation = Retail Corporation 50.04% = 23.24% Retail 19.73% 67.11% 50.73% Juni 2010 Gov'tRelated 43.09% 68.47% Corporation 39.88% 11.59% Retail 17.03% 58.19% 14,08% September 2010 MGov'tRelated Corporation R
Slide 18: Loans Breakdown
Loans Breakdown bank bjb Loan Breakdown Dec-09 Jun-10 Sep-10 Civil servant, Employee Loans, ett 73.85% 72.78% 71.17% Pensioners 2.29% 2.15% 2.06% Consumer - others 0.35% 0.38% 037% Micro 428% 570% 661% Non Micro - Construction 1.96% 246% 3.03% Non Micro - Non Construction 17.26% 16.52% 16.76% Non Mi
Slide 19: The Big 3 Debtors
The big 3 Debtors No Name Project Sector Outstanding Location 1 PT. Telekomunikasi Bandung Telecommunications 300 Billion Indonesia (Telkom) 2 PT. PNM Jakarta Finance 256 Billion (Permodalan Nasional Madani) 3 PT. Pertani Jakarta Agriculture Tools 156 Billion
Slide 20: Consumer Loan: Multi Guna Bhakti
Consumer Loan: Multi Guna Bhakti • Main consumer loans product on bank bjb called Kredit MultiGuna Bhakti (KMB) • KMB is Multipurposes loan mainly for Civil Servants and currently bank bjb do the same mechanism to any others fixed income employee • Consumer loan dominates bank bjb’s loan portfolio,
Slide 21: Productive Loan: Micro Utama Loans
Productive Loan: Micro Utama Loans • Bank bjb have starting to disbursed Micro Utama Loans at the end of 2007 • We’ve also developed this product, to be: Resume Before After Interest Rate Divided into 3 skims, 10% 14% pa flat pa flat, 16% - 16,5% pa effective, 18% pa flat Periode Max 5 years for Max
Slide 22: Our Positioning
Our Positioning NO BANK ASSETS NO BANK DEPOSITS 1 MANDIRI 402,084 1 MANDIRI 326,578 2 BRI 323,803 2 BRI 259,342 3 BCA 298,576 3 BCA 255,030 4 BNI 225,486 4 BNI 179,930 5 CIMB NIAGA 126,332 5 CIMB NIAGA 104,427 6 DANAMON 100,448 6 DANAMON 66,320 7 PANIN 88,963 7 PANIN 62,407 8 BII 67,640 8 BII 51,848
Slide 23: Our Positions
Our Positions NO BANK LOANS NO BANK EQUITY 1 BRI 230,492 1 MANDIRI 40,360 2 MANDIRI 217,996 2 BRI 30,523 3 BCA 131,850 3 BCA 30,200 4 BNI 119,862 4 BNI 19,864 5 CIMB NIAGA 91,765 5 DANAMON 16,915 6 DANAMON 67,166 6 CIMB NIAGA 14,992 7 PANIN 51,216 7 PANIN 12,865 8 BII 47,283 8 PERMATA 7,549 9 BTN 46
Slide 24: Our Positions
Our Positions NO BANK CAR NO BANK NPL 1 TOKYO MITSUBISHI 50.55% 1 BCA 0.81% 2 CITIBANK 26.55% 2 MEGA 1.48% 3 UOB BUANA 22.17% 3 bank bjb 1.86% 4 PANIN 19.71% 4 TOKYO MITSUBISHI 1.91% 5 BTN 18.71% 5 DBS 2.08% 6 DBS 18.40% 6 MANDIRI 2.33% 7 OCBC NISP 18.05% 7 UOB BUANA 2.39% 8 MEGA 17.69% 8 CIMB NIAGA
Slide 25: Our Positions
Our Positions NO BANK NIM NO BANK ROA 1 DANAMON 9.41% 1 CITIBANK 5.68% 2 BRI 9.40% 2 bank bjb 4.08% 3 bank bjb 7.74% 3 BRI 3.51% 4 CIMB NIAGA 6.70% 4 BCA 3.46% 5 UOB BUANA 6.67% 5 DANAMON 2.98% 6 OCBC NISP 6.31% 6 MANDIRI 2.93% 7 BNI 5.83% 7 HSBC 2.87% 8 BTN 5.81% 8 CIMB NIAGA 2.63% 9 BII 5.51% 9 UO
Slide 26: Our Positions
Our Positions NO BANK ROE NO BANK BOPO NO BANK LDR 1 bank bjb 37.28% 1 BCA 66.97% 1 BCA 51.37% 2 BRI 33.41% 2 MANDIRI 70.67% 2 HSBC 62.72% 3 BCA 31.55% 3 bank bjb 70.80% 3 MEGA 63.08% 4 MANDIRI 30.73% 4 CITIBANK 72.02% 4 bank bjb 63.73% 5 PERMATA 25.10% 5 BRI 73.08% 5 MANDIRI 64.22% 6 MEGA 25.05% 6
Slide 27: Strategies
Strategies Increase in • Third Party Funds growth of 20% Market Share • Loan growth of 20% per year and Capital • Increase in equity capital Strengthening • Bond issuance • Improvement of quality of services and products (transactional banking services, product features, technology) and increasing t
Slide 28: Special Moments 2010
Special Moments 2010 • KPE Signatories (in strengthening our positions on civil servants loans) • Spin Off Sharia Business • Initial Public Offering • Rebranding • Reorganizations
Slide 29: Achievements
Achievements 2009 • Infobank Platinum Award (1st Best ATM, 1st Best Security, 2nd Best Phone Handling, 3rd Overall performance) • Tempo Award, The Best performance Award `of Indonesian Bank (Regional Dev. Bank Award) • Bisnis Indonesia, The Best Regional Development Bank • Bisnis Indonesia, Efficien
Slide 30: Q&A
Q&A
Bank Pembangunan Daerah Jawa Barat dan Banten (bank bjb) — Q3 2010 Earnings Presentation on 6ix