Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb) — Q3 2018 Earnings Presentation
38 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2018
Slide 1: Bigger, Stronger, Better
Bigger, Stronger, Better bank bjb Laporan Kinerja Perusahaan TW Ill Tahun 2018
Slide 2: Macroeconomic indicators
GDP Growth BI Rate 7DRR Consumer Confidence Index 8,00 6 140 7,00 130 5,5 120 Index (pts) 6,00 (%) 5 110 5,00 100 4,5 4,00 90 3,00 4 80 1mth JIBOR Inflation USDIDR 10yr Govt Bond 12 16.000 10 10 15.000 9 8 14.000 Yield (%) USDIDR (%) 6 13.000 8 4 12.000 7 2 11.000 0 10.000 6
Slide 3: Loans Growth
30,0 Loans Growth 25,0 20,0 • 15,0 10,0 • 5,0 - • • Investment Loans WC Loans Consumer Loans 40 35 30 25 20 15 10 5 -
Slide 4: Kinerja Perusahaan Triwulan III Tahun 2018
Kinerja Perusahaan Triwulan Ill Tahun 2018 Konsolidasi
Slide 5: Ringkasan Kinerja
Ringkasan Kinerja + Pendapatan Bunga Bersih sebesar Rp 4.8T (+4.1% YoY) Lapora n + Laba Operasional Sebelum CKPN sebesar Rp 2.05 M (+4.2% YoY) Laba Rugi + Beban CKPN sebesar Rp 225 M (-58.5% YoY) + Laba Bersih sebesar Rp 1.3 T (+25.4% YoY) + Total Kredit sebesar Rp 74.6 T (+5.3% YoY) Neraca + Total
Slide 6: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi Positioning YoY YoY (Rp Miliar) 3Q17 3018 (%) Pendapatan Bunga 8,511 8,757 2.9% 246 Beban Bunga 3,853 3,908 1.4% 55 Pendapatan Bunga Bersih 4,658 4,849 4.1% 191 Fee Based Income 546 673 23.2% 127 Beban Operasional 3,312 3,449 4.2% 138 Gain (Loss) on Financial Stat
Slide 7: Neraca
Neraca (Rp Milian) 3Q17 4Q17 1018 2018 3Q18 oo Kas atau Setara Kas 1,789 2,513 1,560 2,108 1,575 -12.0% Giro Pada Bank 5,538 5,846 6,645 5,834 4A74 19.2% Indonesia Cadangan Sekunder 26,744 26,446 27,978 23,840 23,601 -11.7% Kredit (net) 70,298 70,454 70,804 71,751 74,096 5.4% Pembiayaan (net) 4,461
Slide 8: Rasio Keuangan (bank only)
Rasio Keuangan (bank only) Rasio Keuangan 3Q17 4Q17 1Q18 2Q18 3Q18 Profitabilitas ROA (net) 17 1.6 1.6 1.6 1.6 ROE (net) 17.1 15.5 17.2 16.0 15.5 Rasio Efisensi Rasio Cost to Income 64.3 66.5 62.7 63.8 63.7 BOPO 80.5 82.2 80.2 80.4 80.7 Imbal Hasil Imbal Hasil Asset 11.8 11.8 10.9 11.1 11.3 Biaya Da
Slide 9: Kinerja Triwulan III Tahun 2018
Kinerja Triwulan IIl Tahun 2018 bank bjb
Slide 10: Target dan Pencapaian
Target dan Pencapaian (%) Target 3Q17 4Q17 1Q18 2Q18 3Q18 Retenalemlen 12% - 14% 12.0 12.0 13.3 59 53 Kredit Pertumbuhan Dana Pihak 10% - 12% 18.2 11.1 10.0 4.0 -3.1 Ketiga ROA (net) 1.5% - 2.0% 1.7 1.6 1.6 1.6 1.6 ROE (net) 17% - 20% 17.1 15.5 17.2 16.0 15.5 NIM 6.5% - 7.0% 6.7 68 6.0 6.3 6.5 Biaya
Slide 11: Breakdown Kredit
Breakdown Kredit Consumer m=Micro mCommercial Mortgage Segmen 3Q17 3Q18 YoY 80 (Rp Miliar) (%) 70 Konsumer 46,776 49,135 5.0% 5,1 5,3 49 60 \ \ r Mikro 4,650 5,270 13.3% 12,4 14,08 13,6 Komersial 14,034 14,099 0.5% 50 44g 468 47 = KPR 5,077 5,712 12.5% a 40 & 30 Total Kredit 70,537 74,216 5.2% aoa 4
Slide 12: Kredit Konsumer
Kredit Konsumer Civil Servant Loans (LHS) mmm Pensioner Loans (LHS) —==NPL (RHS) 11,3 10,1 37,0 37,3 378 37,8 60 50 9,7 . |e A) e 20 36,1 36,6 36,6 36,9 37,1 10 0 o o A A A “ “ \' < N SY fF LC LT Indikator Utama 3017 3018 YoY ; 2,0 (%) Posisi Kredit 46,776 49,135 5.0% EkspansiNetto(Rp 9.554 2055 -19
Slide 13: Kredit Mikro
Kredit Mikro KMU (LHS) mmm Govt Program (LHS) YoY mmm Others (LHS) © —==NPL(RHS) Indikator Utama 3Q17 3Q18 (%) 60 ; ‘#0 PosisiKredit 4,650 5,270 13.3% + 12,0 ; EkspansiNetto(Rp 4 499 551 50.8% Miliar) + 10,0 Rata-Rata Per Debitur 163 183 12.1% - 8,0 (Rp Juta) 2 SS Jumlah Debitur 28,533 28,843 1.1% +
Slide 14: Kredit Komersial
Kredit Komersial Working Capital (LHS) mamma Investment (LHS) . YoY mmm Syndicated (LHS) —-==NPL(RHS) Indikator Utama 3Q17 3018 (06) 16,0 15,0 Posisi Kredit 14,034 14,099 0.5% 14,0 EkspansiNetto(Rp 3 92 537 83.2% 12,0 Miliar) 10,0 10,0 Rata-Rata Per Debitur 1,830 1,649 -9.9% = (Rp Juta) a 80 g ~ Jum
Slide 15: Kredit KPR
Kredit KPR Mortgage Loans (LHS) ——=NPL (RHS) Indikator Utama 3Q17 3018 ~ 7,00 5 r 15,0 Posisi Kredit 5,077 5,712 12.5% 6,00 | 55 568 57 53 i 51 EkspansiNetto(Rp 59 371 -28.5% 49 Miliar) 5,00 a7 45 46 | 10,0 Rata-Rata Per 400 - Debitur 212 229 7.9% ~~ (Rp Juta) a g g = ~ 3,00 4 Jumlah Debitur 23,921
Slide 16: Breakdown Dana Pihak Ketiga
Breakdown Dana Pihak Ketiga Current Account mSavingsAccount Time Deposit Breakdown Dana 100 5 Pihak Ketiga 3017 3018 oo (Rp Miliar) 90 5 Giro 25,682 26,711 4.0% 80 5 70 | Tabungan 14,461 16,860 16.6% 60 - Deposito 46,406 40,525 -12.7% & Oy TOTAL 86,550 84,096 2.8% 40 - Rasio CASA (%) 46.4 51.8 +5.4
Slide 17: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus mmm Mortgage (LHS) Absolute Special Mention Loans (Rp bn) Consumer (LHS) 3.000 2.500 2.000 1,500 1,000 500 mmm Micro (LHS) —% to Loans (RHS) mmm Commercial (LHS) Special Mention/Total Loans (%) Special Mention Contribution (%) 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%
Slide 18: Non Performing Loans
Non Performing Loans Consumer (LHS) mmm Mortgage (LHS) 1.400 1.200 Micro (LHS) —% to Loans (RHS) mms Commercial (LHS) 3 100% 90% 80% Consumer m=Micro mCommercial Mortgage oeugug ey ey 4 3 4 fo fo \ A 4) 4) \) J & “ “ <\ A N < “ \ < Se LP SF EL LY - 5 S é 1.000 & 70% xe l2¢2¢ 2 E = & = = 60m | > 800
Slide 19: Analisis Imbal Hasil
Analisis Imbal Hasil Others 1,7% Placement to Bl 10,3% Interbank Placement 2,8% Marketable Securities 9,5% Interbank Lending 19 77% Bonds Time 3,4% Deposit 42,8% Current Account 28,2% Savings Account 17,8% Imbal Hasil Aktiva (%) 3Q17 3018 Penempatan Pada BI 24 2.2 Penempatan Pada Bank Lain 3.3 3.6 S
Slide 20: Kecukupan Modal
Kecukupan Modal Aktiva Total Modal sebesar Rp 9.9T (+Rp 1.3T YoY) Tertimbang YoY Menurut Risiko 3Q17 3Q18 (%) * Total CAR sebesar 17.5% (+117 bps YoY) (ATMR) Total ATMR 52,760 56,742 7.5% Penambahan ; ATMR Untuk Dampak thd Risiko Kredit 42,730 45,455 6.4% Analisa KPMM ATMR Ekspansi Rp 1 aie Triliun
Slide 21: Kinerja Kredit Konsumer
Kinerja Kredit Konsumer
Slide 22: Kinerja Kredit Konsumer
Kinerja Kredit Konsumer Total Kredit Konsumer sebesar Rp 49.1 T (+5.0% YoY) + Ekspansi (+Rp 2.4T YoY) Portofolio total kontribusi Kredit Konsumer sebesar 66.2% (-11 bps YoY) Jumlah Debitur sebanyak 432,502 (+25,705 Accounts YoY) Perkembangan NPL sebesar 0.27% (+3 bps YoY) Kualitas - Absolute NPL seb
Slide 23: Kredit Pegawai
Kredit Pegawai Civil Servant Loans (LHS) 40 5 36,1 36, 25 + ——— NPL (RHS) 6 366 369 37,1 370 373 378 378 Indikator Utama 3017 3018 YoY 1,0 (%) Posisi Kredit 37,106 37,827 1.9% Ekspansi Netto 9 (Rp Miliar) 518 831 60.4% Rata-Rata per Debitur 12 109 2.6% (Rp Juta) ass Jumlah Debitur 332,356 347,694 4.
Slide 24: Kredit Pensiunan
Kredit Pensiunan Pensioner Loans (LHS) +——=NPL (RHS) Indikator Utama 3017 3018 voy 125 ; 1.0 (94) 11,3 106 10? Posisi Kredit 9,670 11,308 16.9% 10,1 10 | 97 93 Ekspansi Netto - Oy as 08 (Rp Milian) 2,033 1,224 39.8% 8 7,6 Rata-Rata per 67 Debitur 130 133 2.6% = _ (Rp Juta) a 6 | 058 & & Jumlah Debit
Slide 25: Kinerja Anak Perusahaan
Kinerja Anak Perusahaan Triwulan III Tahun 2018 bank bjb Syariah
Slide 26: Ringkasan Kinerja
Ringkasan Kinerja Pendapaan Marjin Bersih sebesar Rp 270 M (+2.4 % YoY) Laporan Laba Beban Operasional Rp 267 M (+0.4% YoY) Rugi Laba Operasional Sebelum CKPN sebesar Rp 16 M (+53.9% YoY) Laba Bersih sebesar Rp 22 M (+109.7% YoY) + Total Pembiayaan sebesar Rp 5.1 T (-6.0% YoY) Nera ca + Total Dana P
Slide 27: Neraca
Neraca eng ut) 3017 3018 oo Kas atau Setara Kas 45,355 46,408 2.3% Giro pada Bank Indonesia 303,795 256,365 -15.6% Cadangan Sekunder 1,957,330 1,452,605 -25.8% Pembiayaan-net 4,461,498 4,170,005 -6.5% AktivaTetap-net 237,257 239,758 1.1% Aktiva Lainnya 432,516 419,065 -3.1% Total Aktiva 7,437,751 6,
Slide 28: Laporan Laba Rugi
Laporan Laba Rugi a hae Rugi 3017 3018 0 Pendapatan Marjjin 560,045 500,301 -10.7% Beban Marjin 296,507 230,455 -22.3% Marjin Bersih 263,538 269,846 24% Pendapatan Operasional Lainnya 12,786 13,034 1.9% Beban Operasional 266,032 267,038 0.4% Pendapatan Operasional 10,292 15,843 53.9% Pendapatan (Bia
Slide 29: Rasio Keuangan
Rasio Keuangan Rasio Utama (96) 3Q17 3Q18 YoY CAR 13.1 16.3 +3.2 NPF Gross 19,2 20.8 +16 NPF Nett 2.1 3.2 +1.1 ROA 5.3 0.6 +5.9 ROE 42.6 45 +47.1 NIM 48 5.2 +0.4 BOPO 132.5 94.5 -38.0 FDR 97.1 98.7 +16
Slide 30: Kinerja Bisnis
Kinerja Bisnis rena) 3017 3018 oo Murabahah 4,364,804 3,970,809 -9.0% Istishna 2,186 4,350 99.0% Qardh 65,359 65,762 0.6% Pembiayaan 971,865 1,038,221 6.8% Total Pembiayaan 5,404,214 5,079,142 -6.0% Paap lute) 3017 3018 ~ Wadiah Giro 110,900 106,452 -4.0% Wadiah Tabungan 172,823 186,479 7.9% Mudhara
Slide 31: Profil Perusahaan
Profil Perusahaan bank bjb
Slide 32: Detail Jaringan dan Layanan
Detail Jaringan dan Layanan No Jaringan Kantor 3Q17 3Q18 YoY 1 Kantor Cabang 65 65 = 2 KCP 309 313 +4 3 Kantor Kas 338 345 +7 4 Payment Point 144 169 +25 5 ATM 1,213 1,477 +264 6 Layanan bjb Precious 11 11 - 7 Sentra UMKM 6 6 - 8 Kas Mobil 11 26 +15 9 Weekend Banking 11 11 - 10 Cabang Devisa 47 47 -
Slide 33: Sumber Daya Manusia
Sumber Daya Manusia Level 3Q17 3Q18 YoY Dewan Komisaris 5 5 = Direksi 6 6 - Manajemen Puncak 38 43 +5 Manajemen Madya 363 370 +7 Manajemen Lini Pertama 1,830 1,839 +9 Staff 5,464 5,447 -17 Pegawai MPP 17 21 +4 Total Pegawai Tetap 7,723 7,731 +8 SDM 516 691 +175 Umum = = = Total Non Permanent 516 691
Slide 34: Awards and recognitions
Economic Review Economic Review Infobank Economic Review - Human Warta Ekonomi Bank Pembangunan 1st The Best Indonesia Predikat : Capital Award BPD Terbaik Indonesia Excellent Public Daerah Tbk TERBAIK Regional Development “Sangat Bagus” Buku III 2018 Company 2018 Di Indonesia 2018 Bank Public Compa
Slide 35: Awards and recognitions
Majalah Bussiness News Majalah Bussiness News Majalah Bussiness News Service Excellence - Indonesia - Top BPD Buku Indonesia - Top CEO Indonesia - Top BUMD Contact Center Service III 2018 BUMD 2018 2018 Excellence Award 2018 (atas nama Ahmad Irfan “BJB Call” category Call CEO bank bjb) Center Regula
Slide 36: Awards and recognitions
Economic Review - Economic Review - The Economic Review - PR Indonesia Award 2018 Indonesia CSR Award II Big 7 Indonesia Information Kategori Terpopuler di 2018 PLATINUM Indonesia Corporate Technology Award I 2018 Media Peringkat ke – 5 Secretary & Corporate Kategori Bank Indonesia Subkategori BUMD
Slide 37: Share price and volume
Volume (RHS) Price (LHS) 200 3550 180 160 3050 140 2550 120 Million Shares Rp/share 100 2050 80 1550 60 40 1050 20 550 0
Slide 38: Disclaimer
Disclaimer : This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat & Banten, Tbk. (bank bjb) independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. The information in this report has been ob