Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — Bank Jatim — BJTM Investor Summit 2016
37 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's conference presentation, Aug 18, 2016
Slide 1: BJTM Investor Summit
BJTM INVESTOR SUMMIT 18 Agustus 2016 1
Slide 2: Agenda
AGENDA TIM MANAJEMEN ECONOMIC OUTLOOK KINERJA KEUANGAN RENCANA BISNIS KEKUATAN
Slide 3: Tim Manajemen
bankjatim 4 TIM MANAJEMEN
Slide 4: Dewan Komisaris
Dewan Komisaris HERU SANTOSO Komisaris Utama (Independen) Riwayat Jabatan Sebelumnya:Pemeriksa bank Senior (Bank Indonesia),Pengawas Bank Senior (Bank Indonesia),Peneliti BankSenior (Bank Indonesia),Koordinator Bisang (BankIndonesia),Kanwil Bank Indonesia Makasar (Bank Indonesia),Pengawas Bank Eksek
Slide 5: Direksi
Direksi R SOEROSO Direktur Utama Riwayat Jabatan Sebelumnya : Pemimpin Cabang Probolinggo, Pemimpin Cabang Malang, Pemimpin Cabang Sidoarjo, Corporate Secretary, Direktur Utama PT BPR Jatim / Bank UMKM Jawa Timur. Berpengalaman 32 tahun di Bank Jatim dan BPR Jatim SU’UDI Direktur Bisnis Menengah & K
Slide 6: Economic Outlook
bankjatim 4 ECONOMIC OUTLOOK
Slide 7: Macro Economy Review
MACRO ECONOMY REVIEW 3.990.464 4.092.104 4.035.929 3.592.087 3.706.501 3.713.544 3.861.172 3.170.805 3.319.842 3.334.011 3.494.968 LOAN LOAN 2.725.674 2.787.372 2.982.436 billion billion 4.319.749 4.464.083 4.413.056 4.478.409 3.834.503 3.995.803 4.114.420 4.198.577 3.225.198 3.243.136 3.374.272 3.5
Slide 8: Pertumbuhan Ekonomi Regional
Pertumbuhan Ekonomi Regional 7,27% EAST JAVA 6,15% 6,40% YoY 5,94% 5,91% 5,90% 5,18% 5,25% 5,44% 5,44% 5,34% NATIONAL 6,40% 5,62% 5,21% 5,12% 5,00% 5,00% 4,92% 4,71% 4,70% 4,73% 4,79% YoY FY12 FY13 3M14 1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 Source: East Java Gov. 8 East Java & National BPS
Slide 9: Kinerja Keuangan
bankjatim 4 KINERJA KEUANGAN a ee ee ee ee
Slide 10: Neraca Bank Jatim
Neraca Bank Jatim Informasi 7M15 7M16 YoY In million Rp Total Aset 49.222.516 50.786.968 3,18% Penempatan BI & SBI 14.108.042 11.775.816 -16,53% Kredit 28.654.214 29.290.730 2,22% Dana Pihak Ketiga 41.644.181 42.537.452 2,15% - Giro 17.698.264 17.926.232 1,29% - Tabungan 10.629.904 12.087.219 13,71%
Slide 11: Laba Rugi Bank Jatim
Laba Rugi Bank Jatim Informasi 7M15 7M16 YoY In million Rp Pendapatan Bunga 2.636.359 2.792.540 5,92% Beban Bunga (822.491) (823.520) 0,13% Pendapatan Bunga Bersih 1.813.868 1.969.020 8,55% Pendapatan Operasional Selain Bunga 274.986 257.429 -6,38% Beban Operasional Selain Bunga (1.394.811) (1.058.3
Slide 12: Performa Keuangan
Performa Keuangan PENDAPATAN BUNGA (Rp Tril) BEBAN BUNGA (Rp Tril) LABA BERSIH (Rp Tril) CAGR = CAGR = CAGR = 12,61% 12,56% 11,42% DANA PIHAK KETIGA (Rp Tril) KREDIT (Rp Tril) TOTAL ASET (Rp Tril) CAGR = CAGR = CAGR = 15,33 % 21,53% 15,24% 12
Slide 13: Rasio Keuangan
Pe asiokeuangan NT 58% 4.97% 4.14% 4.07% ° ° 3.55% 294% 3.75% 3.34% 282” 3.52% 3.80% 5 gy, I ‘ ‘ . ‘ 1 T 1 . I " Tl 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 3M16 1H16 7M16 36.90%38-48% 40.57% 0 30.54% 30.85%31-48%5 6 soo, 33.65% 23.49% y d ' . 18.96%19.04%18.98%) 6 4 40, '20.87%49
Slide 14: Rasio Keuangan
Rasio Keuangan L D R C A R B O P O 14
Slide 15: Dana Pihak Ketiga
Dana Pihak Ketiga Giro Tabungan Deposito YoY 1,29% YoY 13,71% YoY (5,95%) 15
Slide 16: Detail Dana Pihak Ketiga
Detail Dana Pihak Ketiga In Billion Rp. Giro Pemerintah YoY (17,52%) Giro Umum YoY 205,28% YoY SIMPEDA 10,91% SIKLUS 43,90% Hajj Saving 2,89% TabunganKu 24,76% Barokah Saving 31,15% Deposito YoY (5,95%) 16
Slide 17: Competitive Product
12 GRAND PRIZE — ( UANG TUNAI 500 JUTA tn SALDO Roda. menangkan)taciai RANI Rupiah = | SMS BANKING ee ew = = ee jatim . ‘Tikot Pesawat, 4 aa Layanan Dalam Genggaman Anda Tagihan Multi Finarwe a). } J © Program Bunga Plus y Bunga kompetitif syarat dan ketentuan berlaku v Warna barang pada gambar hany
Slide 18: Proporsi Kredit
Proporsi Kredit KONSUMSI Juli’15 Juli’16 Multiguna 54,47% 55,97% KPR 4,81% 5,14% Others 2,36% 3,01% SME Total 61,64% 64,11% KOMERSIAL Juli’15 Juli’16 Standby Loan 3,74% 2,24% Keppres 3,70% 3,54% COMMERCIAL Overdraft 9,63% 9,86% Syndicate 4,58% 4,52% CONSUMER Total 21,65% 20,15% SME Juli’15 Juli’16 K
Slide 19: Jenis Kredit
Jenis Kredit In Billion Rp. YoY Konsumsi 6,32% Komersial (4,89%) SME (3,69%) 19
Slide 20: Jenis Kredit Konsumsi
Jenis Kredit Konsumsi In Billion Rp. YoY Multiguna 5,03% KPR 9,19% Others 30,12% 20
Slide 21: Jenis Kredit Komersial
Jenis Kredit Komersial Commercial Loan In Billion Rp. Standby Loan Keppres Overdraft Syndicate YoY 2.887 2.867 2.822 2.766 2.759 2.741 2.692 Standby 2.575 Loan 2.308 (38,77%) 2.259 2.217 Keppres (2,35%) 1.360 Overdraft 1.337 1.336 1.323 1.314 1.314 1.301 1.281 1.218 4,62% 1.171 1.157 1.075 1.060 1.0
Slide 22: Jenis Kredit SME
1.218 693 78 1H14 2.214 1.128 747 165 9M14 2.199 1.058 796 264 FY14 2.186 893 KUR 950 345 3M15 2.262 735 1.108 452 1H15 2.395 689 1.123 457 7M15 2.517 Pundi Kencana 601 1.157 SME Loan 491 Jenis Kredit SME 9M15 2.461 Mikro 451 1.178 520 FY15 2.380 347 1.223 Others 530 3M16 2.407 258 1.273 557 1H16 2.
Slide 23: Rencana Bisnis
bankjatim 4 RENCANA BISNIS
Slide 24: Pencapaian 2015 & Rencana Bisnis 2016
Pencapaian 2015 & Rencana Bisnis 2016 Deskripsi 2015 2016 E Total Aset 12,65% 5,36% Kredit 8,46% 12,07% Dana Pihak Ketiga 13,19% 5,05% Rasio Keuangan - CAR 21,22% 18,99% - LDR 82,92% 88,46% - NPL Gross 4,29% 4,25% - NIM 6,41% 7,44% - BOPO 76,11% 84,54% - ROE 16,11% 18,38% - ROA 2,67% 3,21% 24
Slide 25: Jaringan Bank Jatim
Jaringan Bank Jatim NETWORK SHARIA Network 2009 2010 2011 2012 2013 2014 2015 7M16 2016 2016 Kantor Pusat 1 1 1 1 1 1 1 1 1 Kantor Cabang 39 41 41 41 41 43 45 46 1 2 Kantor Cabang 26 44 67 81 107 153 165 166 5 10 Pembantu Kantor Kas 151 154 164 164 176 165 185 185 9 6 Kantor Syariah 37 37 47 47 47 9
Slide 26: Kekuatan
bankjatim 4 KEKUATAN
Slide 27: Kredit Multiguna
Kredit Multiguna Multiguna Ticket Size (million) Rp. 66,6 67,5 69,0 68,6 61,2 61,9 63,1 64,0 56,7 59,3 1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M16 1H16 7M16 Multiguna Loan Balance ( Billion Rp. ) 16.499 16.394 15.924 16.117 15.609 15.794 15.152 14.849 14.408 13.864 1H14 9M14 FY14 3M15 1H15 9M15 FY15 3M1
Slide 28: Komposisi Dana Pihak Ketiga dan Cost of Fund
Komposisi Dana Pihak Ketiga 23.7% 21.2% 23.9% 19,7% 28.5% 23.5% 23,7% 23,7% 21,0% 23,9% 23,2% 23,4% 25,2% 28,7% 29,4% 24.6% 36.2% 35.8% 25.4% 28.8% 24,1% 28,4% 35,9% 36,8% 25,0% 35,4% 38,4% 37,2% 36,3% 28,4% 51.7% 42.6% 46.0% 47.7% 40.3% 43.5% 46,3% 48,0% 43,1% 40,7% 43,5% 42,1% 38,4% 38,5% 39,4% 20
Slide 29: Komposisi Dana Murah Perbankan
Komposisi Dana Murah Perbankan BANK CASA RASIO BCA 77,7% MANDIRI 71,41% BANK JATIM 68,79% BNI 60,4% BJB 58% BTN 46,03% Posisi Juni 2016 29
Slide 30: Bank Jatim Diantara BPD se-Indonesia per Juni 2016
Bank Jatim Diantara BPD se-Indonesia per Juni 2016 Aset Laba Setelah No Bank Kredit DPK (Rp Juta) Pajak (Rp Juta) 1 Bank JABAR BANTEN 90,905,569 60,132,352 94,269,671 905,077 2 Bank JATIM 48,061,027 29,275,967 40,301,984 561,100 3 Bank JATENG 50,519,076 33,239,448 42,013,271 539,169 4 Bank DKI 38,83
Slide 31: Kinerja Rasio Perbankan Go Public 2016
Kinerja Rasio Perbankan go public 2016 per Juni 2016 No Bank CAR ROA ROE NIM BOPO LDR 1 BANK JATIM 20,65% 3,18% 20,87% 6,69% 70,56% 72,64% 2 BANK BCA 20,3% 3,9% 20.5% 7,00% 63,50% 78,80% 3 BANK MANDIRI 21,78% 2,06% 10,59% 6,23% 71,80% 93,18% 4 BANK BNI 19,3% 2,2% 12,6% 6,1% 78,1% 91,4% Data: website
Slide 32: BJTM Investor
BJTM INVESTOR Investor asing Investor asing 72,60% dari saham publik 65,81% dari saham publik Public shares 20 % from paid capital Investor domestik Investor Domestik 27,40% dari saham publik 34,19% dari saham publik No Country Share No Country Share 1 INDONESIA 34,1940% 14 SWEDIA 0,2489% 2 LUKSEMBU
Slide 33: Pembagian Dividen Bank Jatim
Pembagian Dividen Bank Jatim Perolehan Nominal Dividen meningkat. 2013 → Rp 605.869.184.297,09 2014 → Rp 624.490.588.848,58 2015 → Rp 641.460.454.226,00 Perolehan dividen per lembar saham meningkat. 2013 → Rp 40,61 per lembar saham 2014→ Rp 41,86 per lembar saham 2015 → Rp 43,00 per lembar saham 33
Slide 34: Dividen Yield
Dividen Yield 6.4% 5.9% 3.4% 2.5% 1.8% BJTM BJBR BBKP BDMN INDUSTRY Dividend Bank EPS growth PER PBV Price Yield (%) % % % BBCA 15.000 11.3 18,4 3,5 1,1 BBRI 11.950 5.6 11,0 2,2 2,7 BMRI 11.075 (22.0) 16,3 2,0 1,2 BBNI 5.625 8.1 10,7 1,3 1,9 BDMN 3.510 28.2 11,0 0,9 2,5 BTPN 2.910 (7.6) 10,8 1,1 0,0
Slide 35: Awards & Achievements
Awards & Achievements The Most Trusted Banking in Very Good Predicate for 2014 Bank Jatim Regional Banks with Microfinance Services of The Financial Performance excellent service of the year Year 2015 Infobank Awards 2015 2016 Excellence in Building and The 1st Champion of Indonesia Top BPD HR&IT Ma
Slide 36: Terima Kasih
bankjatim y 7 TERIMA KASIH
Slide 37: Contact
Contact Investor Relations (IR) Corporate Secretary (031) 5310090 ext. 469 Email: iru@bankjatim.co.id 37