PT Bank Tabungan Negara (Persero) Tbk · IDX:BBTN
PT Bank Tabungan Negara (Persero) Tbk — Q3 2015 Earnings Presentation
15 slides from PT Bank Tabungan Negara (Persero) Tbk's earnings presentation, Oct 26, 2015
Slide 1: Press Conference Performance Review Quarter III 2015
PRESS CONFERENCE Performance Review Quarter III 2015 PT BANK TABUNGAN NEGARA (PERSERO) Tbk Jakarta, October 26, 2015
Slide 2: The Million Houses Program (1)
THE MILLION HOUSES PROGRAM (1) The Million Houses Program is running in compliance with the Government Policy Realization September 30, 2015 TARGET Construction Loans in LOAN TYPE Mortgage TOTAL Progress Unit Unit IDR Billion Unit IDR Billion Unit IDR Billion Subsidized 331.000 83.063 8.294 120.433
Slide 3: 1 Million Houses Program (2)
1 MILLION HOUSES PROGRAM (2) The Projection of housing finance is Rp. 53.2 Trillion which is equal to 441.428 unit of housing REALIZATION PROGNOSA UNTIL DECEMBER 31, 2015 TARGET Construction Loans in LOAN TYPE MORTGAGE TOTAL Progress Unit Unit IDR Billion Unit IDR Billion Unit IDR Billion MBR (Subsi
Slide 4: Digital Banking: Product & Service
DIGITAL BANKING Product & Service b. Mobile Banking c. EDC Purchase/Payment e-Banking a. individual d. BTN Property Portal & institution for cash management e. E-Cash f. Vending Machine 4
Slide 5: Digital Banking: Efficiency Program
DIGITAL BANKING Efficiency Program e-Form Push Teller Transaction Networks Digital Offices / Digital Corner / Smart Kiosk 5
Slide 6: Digital Banking: Laku Pandai
DIGITAL BANKING In order to increase the growth of deposits, branchless banking, & financial inclusion in Indonesia, Bank BTN participate in the government program ‘LAKU PANDAI’ TECHNOLOGY 2010 PT POS AGENT Individual Launching “Tabungan BTN Cermat “ May 2015 October 2015 Participate in Laku Pandai
Slide 7: Performance 2015
PERFORMANCE 2015 As of September 30, 2015, loan & sharia financing growth is 19.04%, Deposit growth is 22.22% & net profit increase 61.80% Q3 2014 Y.O.Y % Industry FINANCIAL HIGHLIGHTS Q3 2015 Average*) Total Asset (IDR Billion) 142.428 166.038 16,58% 15,17% Total credit & sharia financing (IDR bill
Slide 8: Net Profit
NET PROFIT Net Profit increased to 61.80% supported by Interest Income growth of 15.73% INCOMESTATEMENT Q3 2014 Q3 2015 Y.O.Y % Interest Income (IDR Billion) 9.816 11.361 15,73 % Interest Expense (IDR Billion) (5.832) (6.403) 9,79 % Net Interest Income (IDR Billion) 3.984 4.958 24,43 % Other Operati
Slide 9: Recovery Asset
RECOVERY ASSET Bank BTN committed to reducing the NPL in the range of 3% at the end of 2015 Bank BTN has asset recovery amounted to IDR 1,12 Trillion or 88.58% from target Target asset recovery Bank BTN amount to IDR 1,27 Trillion at the end of 2015 9
Slide 10: Loan Composition
LOAN COMPOSITION Housing and Non-Housing Loans (%) Non Housing Loans Housing Loans 9.39% 12.21% 13.74% 13.40% 11.48% 11.39% 10.39% 85.00% 90.61% 89.61% 88.61% 88.52% 87.79% 86.60% 86.26% Dec10 Dec11 Dec12 Dec13 Dec14 Sep14 Sep15 Total loan as of September 30, 2015 amounted to IDR 131,58 Trillion w
Slide 11: Mortgage Credit Sector
Mortgage Credit Sector 31-Dec-12 31-Dec-13 31-Dec-14 30-Sep-14 30-Sep-15 Loans Type y.o.y Rp. Bn Shares Rp. Bn Shares Rp. Bn Shares Rp. Bn Shares Rp. Bn Shares Housing Loans 70,223 86.26% 87,005 86.60% 102,614 88.52% 97,944 88.61% 117,911 89.61% 20.39% Subsidized Mortgages 25,562 31.40% 28,429 28.30
Slide 12: Syariah Business
SYARIA BUSINESS Asset (IDR Trillion) Deposits (IDR Trillion) 13,183 10,495 11,145 10,530 8,747 9,571 7,906 7,664 6,593 5,757 5,056 3,402 3,817 2,405 Dec10 Dec11 Dec12 Dec13 Dec14 Sep14 Sep15 Dec10 Dec11 Dec12 Dec13 Dec14 Sep14 Sep15 Financing (IDR Trillion) Net Profit (IDR Trillion) 229.38 10,506 20
Slide 13: Mortgage Market Share
MORTGAGE MARKET SHARE Bank BTN is still the leader in mortgage market with market share 29.4% Market Share in Mortgage (1H2015) Mortgage Market Share Mortgage FLPP Market Share BCA CIMB MANDIRI Others BRI 8.1% 2% 16.9% NIAGA 4.4% 7.1% BNI Others 10.2% 23.9% Bank BTN BTN 98% 29.4% Source: Data as of
Slide 14: Ask & Question
Ask & Question Performance Review Quarter III 2015 PT BANK TABUNGAN NEGARA (PERSERO) Tbk Jakarta, October 26, 2015
Slide 15: Thank You
Thank You ________________ PT Bank Tabungan Negara (Persero) Tbk Menara BTN 20th Floor – Jalan Gajah Mada No. 1 Jakarta Pusat - 10130 Telp : +62 21 6336789 Facs: +62 21 6336719 Email : csd@btn.co.id Website : www.btn.co.id 15
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