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) — Q2 2018 Earnings Presentation
46 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 Triwulan II Tahun 2018
Slide 2: Macroeconomic indicators
GDP Growth BI Rate 7DRR Consumer Confidence Index 8 140,00 7 130,00 120,00 Index (pts) 6 (%) 110,00 5 100,00 4 90,00 80,00 3 1mth JIBOR Inflation USDIDR 10yr Govt Bond 12 15.500 10 10 14.000 9 8 Yield (%) USDIDR 12.500 8 (%) 6 11.000 7 4 2 9.500 6 0 8.000 5
Slide 3: Loans and Deposit Growth
40 Loans Growth • 35 Deposit Growth 30 25 20 • 15 10 5 • 0 • 40,00 Investment Loans 35,00 WC Loans 30,00 Consumer Loans 25,00 20,00 15,00 10,00 5,00 -
Slide 4: Kinerja Perusahaan Triwulan II Tahun 2018
Kinerja Perusahaan Triwulan Il Tahun 2018 Konsolidasi
Slide 5: Result Summary
Result Summary + Pendapatan Bunga Bersih Rp3.2 T (+3.7% YoY) i) poran + Laba Operasional Sebelum CKPN sebesar Rp1.3T (-0.1% YoY) Laba Rugi + Beban CKPN sebesar Rp112 M (-48.9% YoY) + Laba Bersih sebesar Rp903 M (+9.2% YoY) + Total Kredit sebesar Rp72.3 T (+5.9% YoY) + Total Pembiayaan sebesar Rp4.9T
Slide 6: Target dan Pencapaian
Target dan Pencapaian (%) Target 2Q17 3Q17 4Q17 1Q18 2018 Ren Aap aRE 129 12.0 12.0 133 5.9 Kredit Pertumbuhan Dana Pihak 10% - 12% 15.6 18.2 11.1 10.0 4.0 Ketiga ROA (net) 1.5% - 2.0% 1.8 17 1.6 1.6 1.6 ROE (net) 17% - 20% 17.3 17.1 15.5 17.2 16.0 NIM 6.5% - 7.0% 6.8 6.7 6.8 6.0 6.3 Biaya Dana 4.5%
Slide 7: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi Posisi YoY YoY (Rp Miliar) 2Q17 2018 (%) Pendapatan Bunga 5,565 5,813 4.5% 248 Beban Bunga 2,507 2,642 5.4% 134 Pendapatan Bunga Bersih 3,058 3,171 3.7% 113 Fee Based Income 362 435 20.3% 73 Beban Operasional 2,174 2,270 44% 96 Gain (Loss) on Financial Statement 6
Slide 8: Neraca
Neraca (Rp Milian) 2Q17 3Q17 4Q17 1018 2018 0 Kas atau Setara Kas 3,448 1,789 2,513 1,560 2,108 -38.9% Giro Pada Bank 5,675 5,538 5,846 6,645 5,834 2.8% Indonesia Cadangan Sekunder 21,819 26,744 26,446 27,978 23,840 9.3% Kredit (net) 67,641 70,298 70,454 70,804 71,751 6.1% Pembiayaan (net) 4,700 446
Slide 9: Rasio Keuangan (bank only)
Rasio Keuangan (bank only) Rasio Keuangan 2Q17 3Q17 4Q17 1Q18 2Q18 Profitabilitas ROA (net) 1.8 17 1.6 1.6 1.6 ROE (net) 17.3 17.1 15.5 17.2 16.0 Rasio Efisensi Rasio Cost to Income 64.2 64.3 66.5 62.7 63.8 BOPO 80.2 80.5 82.2 80.2 80.4 Imbal Hasil Imbal Hasil Asset 11.9 11.8 11.8 10.9 11.1 Biaya Da
Slide 10: Breakdown Kredit (bank only)
Breakdown Kredit (bank only) Consumer =Micro m=Commercial Mortgage Segmen YoY 80 9 (Rp Miliar) 2017 2018 (%) 70 4 mal [Be Konsumer 46,229 48,688 5.3% 4,9 le Mikro 4,418 5,204 17.8% 12,4 14.09 13.6 ae 47 Komersial 12,360 12,356 -0.03% 4AE 4 d KPR 4,888 5,643 15.5% 30 + Total Kredit 67,895 71,891 5.9%
Slide 11: Kredit Konsumer (bank only)
Kredit Konsumer (bank only) Civil Servant Loans (LHS) mami Pensioner Loans (LHS) Indikator Utama 2017 2018 YoY —NPL (RHS) (%) 60 4 r 3,0 Posisi Kredit 46,229 48,688 5.3% 50 4 p25 Ekspansi Netto (Rp 2.004 1,608 -19.8% Miliar) " " . 40 5 o %* ® * ” a | 2,0 Rata-Rata Per Debitur 115 114 -0.9% (Rp Juta)
Slide 12: Kredit Mikro (bank only)
Kredit Mikro (bank only) (Rp tr) KMU (LHS) mam Others (LHS) mmm Govt Program (LHS) ——NPL (RHS) Indikator Utama 2017 2018 o Posisi Kredit 4,418 5,204 17.8% Ekspansi Netto (Rp 888 485 45.4% Miliar) Rata-Rata Per Debitur 153 185 20.8% (Rp Juta) Jumlah Debitur 28,888 28,160 -2.5% moet Sule 8.7% - 18.3%
Slide 13: Kredit Komersial (bank only)
Kredit Komersial (bank only) Working Capital (LHS) mmm Investment (LHS) Indikator Ut 2017 2018 YoY mam Syndicated (LHS) | —=NPL (RHS) narcaror rama (%) 16,0 5 - 15,0 Posisi Kredit 12,360 12,356 -0.03% - 140 140 13,0 12,0 EkspansiNetto(Rp 4 59g 1,205 -178.9% 120 Miliar) " " ; - 11,0 10,0 10,0 Rata-Ra
Slide 14: Kredit KPR (bank only)
Kredit KPR (bank only) 6,00 5,00 4,00 2,00 1,00 0,00 4 446 4,47 496 Mortgage Loans (LHS) 5,34 5,08 4,89 70 5,51 ——NPL (RHS) 5,64 15,0 14,0 13,0 12,0 11,0 10,0 9,0 5,0 (%) Indikator Utama 2Q17 2Q18 YoY (%) Posisi Kredit 4,888 5,643 15.4% EkspansiNetto(Rp 339 302 -8.6% Miliar) Rata-Rata Per Debitur 21
Slide 15: Breakdown Dana Pihak Ketiga (bank only)
Breakdown Dana Pihak Ketiga (bank only) (Rp tr) Breakdown Dana Current Account mSavings Account mTime Deposit 100 4 90 - 80 - 70 46,4 46,78 40,5 60 39,2 43,6 50 40 15,66 14,5 15,3 30 17,7 20 - 26,0 27.3 24,8 25,7 25,0 25,9 10 - 71 8 24,2 197 0 T T T : T T T fo o ) A 4) 4) A A) D \ \ \ \) A! “ \ \ “
Slide 16: Asset Quality (bank only)
Asset Quality (bank only) (Rp bn) 1.400 1.200 1.000 800 600 400 200 Credit Provision (LHS) mama Absolute NPL (LHS) — Coverage Ratio (RHS) 70 + 60 50 40 (%) 30 20 NPL Gross YoY Write Off (%) 2Q17 2Q18 (%) 2018 (bank only) (Rp Miliar) Konsumer 0.2 0.3 +0.1 31 Mikro 6.3 4.3 -2.0 29 Komersial 3.1 4.0 +0
Slide 17: Kredit Dalam Perhatian Khusus (bank only)
Kredit Dalam Perhatian Khusus (bank only) Consumer (LHS) mam Micro (LHS) mmm Mortgage (LHS) ©——% to Loans (RHS) 3.000 Absolute Special Mention Loans (Rp bn) 2.500 2.000 1.500 1.000 155 706| 2728279 271 Toof 227 ma Commercial (LHS) 100% 40 90% 80% 70% 60% 50% 40% Special Mention Contribution (%) 30%
Slide 18: Non Performing Loans (bank only)
Non Performing Loans (bank only) Consumer (LHS) Micro (LHS) Consumer Micro m=Commercial Mortgage mm Commercial (LHS) mami Mortgage (LHS) 100% 5 ——% to Loans (RHS) 1.400 , 25 90% - 200 a8 1. sg s 70% - pe} Ss z 1,000 ra s g 8 = 60% + § 3 2 rot =] £ 800 € 2 50% - € § € S 8 ro) € = U & 600 2 40% - c €
Slide 19: Analisis Imbal Hasil (bank only)
Analisis Imbal Hasil (bank only) Others Loans 1,7% 75,3% Placement to Bl 6,1% Interbank Placement 2,1% arketable Securities 14,8% Interbank Lending % Bonds Time Deposit 1,6% 43,2% Current Account 27,6% 17,8% Imbal Hasil Aktiva (%) 2Q17 2Q18 Penempatan Pada Bl 2.3 27 Penempatan Pada Bank Lain 3.5 2.6
Slide 20: Mayoritas Nasabah (bank only)
Mayoritas Nasabah (bank only) Consumer Micro Commercial m™ Mortgage Government Corporate Retail 100% - 100% 4 508 518 528 520 51 90% 1 95% | 80% + 70% + 5 90% - = 60% | £ € roy ° rom 2 som | 2 S 50% a a 2 2 BS 85% - Z 40% | 5 2 30% + 362 873 87,9 87,3 87,1 87,3 879 87,7 80% - 85,4 ~~ 20% | 10% | 75%
Slide 21: Kecukupan Modal (bank only)
Kecukupan Modal (bank only) *Total Modal sebesar Rp9.5 T (+Rp1.4T YoY) Aktiva Tertimbang YoY Menurut Risiko 2Q17 2Q18 (%) * Total CAR sebesar 17.4% (+114 bps YoY) (ATMR) Total ATMR 50,023 54,671 9.3% Penambahan Analisa K ATMRUntuk Dampakthd Risiko Kredit 40,018 43,418 8.5% nalisa KPMMATMR’ EkspansiR
Slide 22: Consumer Loan Details
Consumer Loan Details
Slide 23: Kinerja Divisi Konsumer
Kinerja Divisi Konsumer + Total Kredit Konsumer sebesar Rp48.7 T (+5.3% YoY) +» Ekspansi (+Rp2.5T YoY) Portofolio total kontribusi Kredit Konsumer sebesar 67.7% (-36 bps YoY) + Jumlah Debitur sebesar 427,594 (+25,068 Accounts YoY) Perkembangan + NPLsebesar 0.3% (+13 bps YoY) - Absolute NPL sebesar R
Slide 24: Kredit Kepada Pegawai
Kredit Kepada Pegawai Civil Servant Loans (LHS) © —===NPL (RHS) YoY 40 - - 1,0 Indikator Utama 2Q17 2Q18 (56) 37,8, ° 35,8 36,1 366 366 369 371 37,0 373 35 - Posisi Kredit 36,938 37,796 2.3% Ekspansi Netto 30 5 0, (Rp Milian) 350 800 128.5% 25 4 Rata-Rata per Debitur 112 110 -2.0% (Rp Juta) 220 4 -O
Slide 25: Kredit Kepada Pensiunan
(Rp tr) 12 10 Kredit Kepada Pensiunan Pensioner Loans (LHS) © ===NPL (RHS) r 1,0 10,9 10,6 10,1 9,7 9,3 8,5 7,6 6,7 5,6 | 0,5 & T T T T T T T T 0,0 © 0 o 4) A BD nd OW? WAN A A A Oe SOS CEES Ce LS Indikator Utama 2Q17 2Q18 YoY (%) Posisi Kredit 9,291 10,892 17.2% Ekspansi Netto £190, (Rp Miliar) 1,6
Slide 26: Kredit Dalam Perhatian Khusus
Absolute Special Mention Loans (Rp bn) Civil Servant Loans (LHS) Kredit Dalam Perhatian Khusus —Special Mention Loans (RHS) 1.200 1.000 800 600 400 200 0 131 274 161 463 636 674 555 821 928 | a © Se St St St St gt © © \ CNN Ss CC CS SC « \ nee mam Pensioner Loans (LHS) 5,0 45 40 3,5 3,0 2,5 2,0 1,5
Slide 27: Non Performing Loans
Absolute NPL (Rp bn) 160 140 120 100 80 60 40 20 Non Performing Loans Civil Servant Loans (LHS) mami Pensioner Loans (LHS) ——NPL (RHS) 29 § 26 1,0 NPL (%) NPL Contribution (%) Civil Servant Loans (LHS) 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 84 82 80 80 m Pensioner Loans (LHS) 88 87 79 81 8 3 27
Slide 28: Sharia Business Performance
Sharia Business Performance 2Q18 bank bjb Sharia
Slide 29: Result Summary
Result Summary + Pendapatan Marjin Bersih sebesar Rp187 M (-0.1% YoY) Laporan La ba + Beban Operasional sebesar Rp182 M (-28.4% YoY) Rugi + Laba Bersih sebesar Rp13.4 M (+133.5% YoY) + Total Pembiayaan sebesar Rp4.9T (-9.4% YoY) Neraca + Total Dana Pihak Ketiga sebesar Rp5.5T (-10.4% YoY) + Total As
Slide 30: Neraca
Neraca Pn Sy raca 2017 2018 O0 Kas atau Setara Kas 66,181 74,927 13.2% Giro pada Bank Indonesia 289,948 279,450 -3.6% Cadangan Sekunder 2,057,306 1,861,331 -9.5% Pembiayaan-net 4,700,180 3,971,062 -15.5% Aktiva Tetap-net 268,483 302,416 12.6% Aktiva Lainnya 330,587 360,425 9.0% Total Aktiva 7,712,68
Slide 31: Laporan Laba Rugi
Laporan Laba Rugi eRe hae Rugi 2017 2018 O0 Pendapatan Marjjin 384,682 344,666 -10.4% Beban Marjin 197,118 157,341 -20.2% Marjin Bersih 187,564 187,325 -0.1% Pendapatan Operasional Lainnya 14,150 10,415 -26.4% Beban Operasional 254,157 181,999 -28.4% Pendapatan Operasional (52,444) 15,741 130.0% Pen
Slide 32: Rasio Keuangan
Rasio Keuangan rie 2017 2018 YoY CAR 187 176 Aa NPF Gross 16.5 223 458 NPF Nett 3.6 34 02 ROA -1.3 0.5 +18 ROE 10.8 43 4151 NIM 5.1 5.2 40.1 BOPO 108.0 953 127 FDR 89.1 90.2 4
Slide 33: Kinerja Bisnis
Kinerja Bisnis Pena na 2Q17 2018 O0 Murabahah 4,372,083 3,979,375 -9.0% Istishna 1,568 2,982 90.2% Qardh 68,777 66,942 -2.7% Pembiayaan 986,109 866,954 -12.1% Total Pembiayaan 5,428,537 4,916,253 9.4% pa ay 2017 2018 O0 Wadiah Giro 114,757 83,467 -27.3% Wadiah Tabungan 171,744 166,946 -2.8% Mudharab
Slide 34: Profil Perusahaan
Profil Perusahaan bank bjb
Slide 35: Detail Jaringan dan Layanan
Detail Jaringan dan Layanan No Jaringan Kantor 2Q17 2Q18 YoY 1 Kantor Cabang 65 65 - 2 KCP 309 312 +3 3 Kantor Kas 338 343 +5 4 Payment Point 144 168 +24 5 ATM 1,213 1,451 +238 6 Layanan bjb Precious 11 11 - 7 Sentra UMKM 6 6 2 8 Kas Mobil 11 11 - 9 Weekend Banking 11 11 - 10 Cabang Devisa 47 47 - T
Slide 36: Sumber Daya Manusia
Sumber Daya Manusia Educational Breakdown Level 2Q17 2Q18 YoY Master of Doctorare Dewan Komisaris 5 5 = 67% Direksi 6 6 - Manajemen Puncak 42 35 -7 Up to Manajemen Madya 358 373 +15 Bachelor Degree Manajemen Lini Pertama 1,833 1,783 -50 93,3% Staff 5,470 5,466 -4 Pegawai MPP 16 23 +7 Age Breakdown T
Slide 37: Struktur Pemegang Saham
Struktur Pemegang Saham @ West Java Provincial Government @ West Java Municipal Government @ Banten Provincial Government 1 Banten Municipal Government Public (B Series) Struktur Pemegang Saham 2Q17 2Q18 SeriA 75.00 75.00 Pemerintah Prop. Jawa Barat 38.26 38.26 Pemerintah Kota/Kab. Se-Prop. 23.61 23
Slide 38: 2017 Awards
2017 Awards Goititikat —rokq) pihit xd TOP| roamaxcrorsumoz” BUMDE* © remaxcrorsumpen7 BUMDE™ Goitiphat hey | | PEMEMANGTOPEUMD 2017 BUMD! PT Bank BJB Tbk ‘Brand Finance ple This PT Bank BJB Tbk at TOP CEO BUMD 2017 SWA- 7 Business News — Business News — Business News — “Indonesia Original Brand 201
Slide 39: 2017 Awards
2017 Awards Sonne Ke. @ J * Sectifikat 4 PIAGAM thi PENGHARGAAN 7k dann Darl Joy ne do tn 7H aa) Annual Report Award Tahun Forbes Indonesia - Best of the ___ Buku 2016 - Bisnis Indonesia Vinancial Award Best Awards 2017 TOP 50 __ Koran SINDO- m és Indonesia - soir" eee ae vote ia , “The Best Perform
Slide 40: 2017 Awards
2017 Awards " 4 ous uvsimne SERTIFIKAT PENGHARGAAN a PT BPD Java Barat dan Banten Tbk “tas egg Se, hi AAEI & CSA Intitute — “One of The Best Stock for Yuk Nabung Saham Program 2017” Tribute From West Java Province— Excellence Service Experience Awards “CSR Partner” (ESEA) 2017 - “Regular Banking Cat
Slide 41: KPK – BUMD Dengan Sistem Pengendalian Gratifikasi Terbaik
IICD Corporate Governance Forbes Indonesia Best KPK – BUMD Dengan KPK – Lembaga Dengan Tingkat Conference & Award – Top of The Best Award – Sistem Pengendalian Kepatuhan LHKPN Terbaik Tahun 50 of The Biggest Market Top 50 Companies Gratifikasi Terbaik 2017 Capitalization Public Listed 2017 (Rank 18t
Slide 42: Warta Ekonomi Best Banking Brand Award 2017
Warta Ekonomi Best Banking Penganugrahan Penghargaan Warta Ekonomi Indonesia Brand Award 2017 – Top 5 Best Sebagai Salah Satu Wajib Pajak Corporate Secretary Award - Top Consumer Choice Regional Dengan Pemberi Kontribusi Pajak 10 GCG Issue in Banking Sector Development Bank Terbesar Tahun Pajak 2016
Slide 43: Economic Review - Indonesia CSR Award II 2018
Economic Review - Indonesia CSR Economic Review - The Big 7 Economic Review - Indonesia Award II 2018 PLATINUM Indonesia Corporate Secretary & Information Technology Award I 2018 Peringkat ke – 5 Corporate Communication Award Kategori Bank Indonesia Corporate Kategori : Tbk Industri Keuangan III 201
Slide 44: Service Excellence - Contact Center Service Excellence Award 2018
Service Excellence - Contact Majalah Bussiness News Center Service Excellence Award Majalah Bussiness News Majalah Bussiness News Indonesia - Top CEO BUMD 2018 2018 “BJB Call” category Call Indonesia - Top BUMD 2018 Indonesia - Top BPD Buku III 2018 (atas nama Ahmad Irfan Center Regular Banking CEO
Slide 45: Share price and volume
4.000 160 Millions Volume (RHS) Price (LHS) 3.500 140 3.000 120 2.500 100 Rp/ share 2.000 80 1.500 60 1.000 40 500 20 0 -
Slide 46: 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