PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR
PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk — Bank BJB — Q2 2015 Earnings Presentation
45 slides from PT Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, Sep 22, 2015
Slide 1: Lebih Besar, Lebih Kuat, Lebih Baik
Lebih Besar, Lebih Kuat, Lebih Baik bank bjb Ringkasan Kinerja per 30 Juni 2015
Slide 2: Daftar Isi
Daftar Isi Hal. 5 Target dan Pencapaian Hal. 6 Rasio - Rasio Keuangan (bank) Hal. 7 Laporan Laba Rugi Hal. 8 Neraca Hal. 9 Breakdown Kredit Hal.14 Breakdown Dana Pihak Ketiga Hal.15 — Kualitas Aktiva Produktif Hal.18 — Analisis Imbal Hasil Hal.20 = Kecukupan Modal Hal. 21 Kinerja Kredit Konsumer (De
Slide 3: Macroeconomic indicators
GDP Growth BI Rate Consumer Confidence Index 10 140 120 8 Index (points) 100 6 80 (%) 4 60 40 2 20 0 0 CPI 1M JIBOR USDIDR 10Yr Govt Bond 14 13000 25 12 12000 20 10 11000 Yield (%) USD IDR 8 10000 15 (%) 6 9000 10 4 8000 5 2 7000 0 6000 0
Slide 4: Loans and deposit growth
40.0 Loans Growth Deposit Growth 35.0 • 30.0 YoY Growth (%) 25.0 20.0 • 15.0 10.0 5.0 - • • Investment Loans WC Loans Consumer Loans 60 50 YoY Growth (%) 40 30 20 10 -
Slide 5: Target dan Pencapaian bank bjb
. 5 Target dan Pencapaian bank bjb (%) Target 2014 3014 4014 1015 2015 Reciemalsaiem 13% - 14% 146 W7 9.5 109 11.0 Kredit Pertumbuhan 14% - 15% 13.4 14.2 15.5 16.1 324 Dana Pihak Ketiga ROA (net) 1.4% -1.7% 13 13 15 2.0 14 ROE (net) 16% - 19% 14.7 14.5 16.6 214 16.5 NIM 6.2% - 6.5% 64 67 68 68 6.0 B
Slide 6: Rasio-Rasio Keuangan (bank)
Rasio-Rasio Keuangan (bank) bank bjb Rasio Utama 2Q14 3Q14 4Q14 1Q15 2Q15 Profitabilitas ROA (net) 1.3 1.3 1.5 2.0 14 ROE (net) 14.7 14.5 16.6 214 16.5 Rasio Efisiensi Rasio Cost to Income 59.8 59.4 61.8 59.3 67.5 BOPO 85.0 85.2 85.9 78.0 84.4 Imbal Hasil Imbal Hasil Asset 12.4 12.6 12.6 12.1 11.8 B
Slide 7: Laporan Laba Rugi
Laporan Laba Rugi Re Miliad 2014 2015 (oy Pendapatan Bunga 4,349 4,782 9.9% Beban Bunga 2,229 2,449 9.9% Pendapatan Bunga Bersih 2,120 2,332 10.0% Fee Based Income 155 200 29.3% Beban Operasional 1,371 1,672 21.9% Gain (Loss) on Financial Statement 34 40 17.1% Laba Operasional Sebelum CKPN 938 900 4
Slide 8: Neraca
Neraca ba Neraca YoY (Rp Miliar) 2Q14 3Q14 4Q14 1Q15 2Q15 (%) Kas atau Setara Kas 1,984 1,763 2,768 1,726 2,422 22.1% Giro pada Bank Indonesia 4,861 4,839 5,178 5,127 7,317 50.5% Cadangan Sekunder 18,296 17,411 12,599 24,908 27,415 49.8% Kredit (net) 46,554 47,602 48,028 48,280 50,951 9.4% Pembiayaa
Slide 9: Breakdown Kredit (bank)
Breakdown Kredit (bank) Consumer mMicro mCommercial Mortgage Segmen YoY 60 (Rp Miliar) 2Q14 2Q15 (%) Konsumer 31,539 36,191 14.8% 50 | 45 430 44845 43 Mikro 5,077 3,922 -22.7% 35M OM 4 ee 2.9 Komersial 6,822 7,597 114% engl KPR 4,282 4,503 5.2% (Rp tr) Total Kredit 47,719 52,213 9.4% 20 | Gaia 36.2
Slide 10: Kredit Konsumer
Kredit Konsumer Civil Servant Loans (LHS) mammm Pensioner Loans (LHS) 35 4 x0 ol —— NPL (RHS) 1.0 0.9 0.8 0.7 0.6 0.5 r 0.4 0.3 0.2 0.1 0.0 Indikator Utama 2Q14 2Q15 Yoy (%) Posisi Kredit 31,539 36,191 14,8 % Ekspansi Netto 9 (Rp Miliar) 2,682 2,613 2.6% Rata-Rata Per Debitur 91 101 10,1 % (Rp Milia
Slide 11: Kredit Mikro
Kredit Mikro KMU (LHS) mamma Govt Program (LHS) mami Others (LHS) === NPL (RHS) 6.0 > r 30.0 25.0 r 20.0 r 15.0 F 10.0 Key Ratios 2014 2015 Yor (%) Posisi Kredit 5,077 3,922 -22.7% Ekspansi Netto (Rp Miliar) (276) (583) -111.0% Rata-Rata per Debitur 56 59 4.5% (Rp Miliar) Jumlah Debitur 89,924 66,48
Slide 12: Kredit Komersial
Kredit Komersial Working Capital (LHS) mmm Investment (LHS) mmm Syndicated (LHS) —— NPL (RHS) 8.0 7.0 6.0 5.0 4.0 (Rp tr) 3.0 48 45 45 43 42 Ag Bp) 33 2.0 45 15.0 14.0 13.0 12.0 10.0 7.0 - YoY Key Ratios 2Q14 2Q15 (%) Posisi Kredit 6,822 7,597 114% Ekspansi Netto 9 (Rp Miliar) (167) 747 547.3% Rata-
Slide 13: Kredit Pemilikan Rumah
Kredit Pemilikan Rumah 5,000 4,500 4,000 500 Mortgage Loans (LHS) NPL (RHS) 4444 4480 4,503 4,282 4,280 4,143 [ | 3,911 | 3,506 r | 2,916 L OS oS a oN oC SP Sf S SL é 15.0 . YoY Key Ratios 2Q14 2Q15 (%) Posisi Kredit 4,282 4,503 5.2% Ekspansi Netto eA 10; (Rp Miliar) 371 59 84.1% Rata-Rata per Debit
Slide 14: Breakdown Dana Pihak Ketiga (bank)
Breakdown Dana Pihak Ketiga (bank) bank bjb Current Account Savings Account mTime Deposit 90 - Breakdown Dana Pihak Ketiga 2014 2015 ‘ey (Rp Miliar) 80 + Giro 21,766 27,860 28.0% 70 + Tabungan 8,995 9,798 8.9% 60 + Deposito 28,526 39,728 39.3% 50 - (Rpt TOTAL 59,288 77,385 30.5% 40 - Rasio CASA (%)
Slide 15: Kualitas Aktiva Produktif
Kualitas Aktiva Produktif Credit Provision (LHS) mamma Absolute NPL (LHS) Coverage Ratio (RHS) NPL Gross YoY Write Off (%) 2Q14 2Q15 2015 2,500 5 90 (%) (Bank only) (Rp bn) L 80 Konsumer 0.11 0.11 - 4 2,000 Mikro 18.9 25.1 +6.2 214 Komersial 10.3 75 -2.8 220 KPR 45 6.9 +24 - 1,500 Total 4.0 3.6 -0.4
Slide 16: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) mmm Commercial (LHS) y mmm Mortgage (LHS) ——% to Loans (RHS) Usues 2,000 Gb) 90% 1,800 + 4.0 80% 1,600 | tl 70% 1,400 r 3.0 60% 1,200 r 2.5 50% 1,000 P 2.0 40% 800 Special 600 |"? Spe 30% Absolute $peeial M@Ationl gan stip bigao 741 + 1.0 20%
Slide 17: Non Performing Loans
EA Non Performing Loans bank bjb Consumer (LHS) Micro (LHS) mmm Commercial (LHS) Consumer mMicro mCommercial m Mortgage mmm Mortgage (LHS) ===% to Loans (RHS) 100% 5 2,500 + ; 45 9 9 10 11 90% - 13 16 r 4.0 80% - 2,000 + 22 22¢mm 26 r 3.5 70% ~ ib 31] F 3.0 (Rp bn) 60% - 1,500 p 2.5 50% - ; 2.0 1,00
Slide 18: Analisis Imbal Hasil
Analisis Imbal Hasil Others 0.9% Placement to Bank Indonesia 8.4% Loans 67.1% Interbank Placement 2.8% Marketable Securities 20.8% Savings Account Current Account 34.1% Time Deposit 48.6% Bonds 21% Lending 3.2% Imbal Hasil Aktiva 2014 2015 Penempatan pada BI 46 45 Penempatan pada Bank Lain 3.3 47 Su
Slide 19: Komposisi Nasabah
Komposisi Nasabah Consumer mMicro Commercial Mortgage 100% > 90% ~ c 80% - 70% - 60% + 50% ~ Proportion (%) a8 79.9 lending) 748 743 743 749 752 759 772 786 30% - 20% - Government m=Corporate m Retail 0% L & 100% - 90% 80% 70% 60% - Proportic Fundig| 30% - 20% + 10% - eo Xo 0 . , & o J eo FL ee i
Slide 20: Kecukupan Modal
Kecukupan Modal ba Aktiva *Total Modal sebesar Rp 6.1 T (+Rp 562 M YoY) Tertimbang Menurut Risiko 2Q14 2Q15 YoY (%) “Total CAR 15.8% (Obps YoY) (ATMR) Total ATMR 34,719 38,264 10.2 % Penambahan Dampak thd Risiko Kredit 26,386 28,893 9.5% AnalisaKPMM atmR = ATMRUntuk “you Ekspansi Rp 1 (%) Risiko Ope
Slide 21: Kinerja Kredit Konsumer (Detail)
EA bank bjb Kinerja Kredit Konsumer (Detail)
Slide 22: Kinerja Kredit Konsumer
Kinerja Kredit Konsumer ba + Total Kredit Konsumer Rp 36.2 T(+14.8% YoY/ +4.4% QoQ) + Ekspansi netto sebesar Rp 4.6 T YoY/ +1.1tr QoQ ladelenelelat-lemem - Total Kredit Konsumer berkontribusi sebesar 69.3% ( +322bps YoY/ -59bps QoQ) + Jumlah Debitur sebesar 359,770 Nasabah (+14,517 YoY/ +4,531 QoQ)
Slide 23: Kredit Konsumer
Kredit Konsumer bank bjb Civil Servant Loans (LHS) mammm Pensioner Loans (LHS) ====NPL (RHS) 40 5 1.0 Indikator Utama 2Q14 2Q15 (oy 35 | 09 Posisi Kredit 31,539 36,191 14,8% 252 268 a °8 Ekspansi N spansi Netto 5 6 30 | 221 2a (Rp Miliar) 2,682 2,613 2.6% @ ® 7 25 4 a Rata-Rata per 0.6 Debitur 91 10
Slide 24: Kredit Kepada Pegawai Negeri Sipil
Kredit Kepada Pegawai Negeri Sipil bank bjb Civil Servant Loans (LHS) | —o—NPL (RHS) 35 5 - 05 Indikator Utama 2Q14 2Q15 ‘oy 33.0 30.9 7 . 319 Posisi Kredit 29,132 33,000 13.3% 30 + 29.1 30.2 268 pee Ekspansi Netto 2293 2063 “10.1% 253 277 (Rp Miliar) : / .1% 25 4 26.1 Rata-Rata per Debitur | o3 (Rp
Slide 25: Kredit Kepada Pensiunan
Kredit Kepada Pensiunan bank bjb Pensioner Loans (LHS) —=a—=NPL (RHS) ensioner Loans (LHS) (RHS) Indikator Utama 2Q14 2Q15 YoY 3,500 02 (%) 3,191 off . Posisi Kredit 2,407 3,191 32.6% 3,000 Ekspansi Netto 9 (Rp Miliar) 389 550 41.5% 2,500 Rata-Rata per Debitur 76 86 13.4% aise (Rp Miliar) 01 (%) Rp
Slide 26: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus ba Kontribusi Kredi Pensiunan +0.2% YoY Civil ServantLoans _ ™ Pensioner Loans Civil Servant Loans (LHS) mmm Pensioner Loans (LHS) 100% —o— Special Mention Loans (RHS) 9 ws 100 r 0.5 90% 90 80% 80 r 0.4 70% | 60% 60 es an - 03 50% 50 897 895 972 872 862 g49 gag 882 964
Slide 27: Non Performing Loans
Non Performing Loans Civil Servant Loans (LHS) mamma Pensioner Loans (LHS) —o—NPL (RHS) 45 5 0.5 40 4 04 35 4 30 “ | a &§ vii 2 03 25 4 20 + 0.2 Absolute NPL (Rp bn) 34.3 313 32.0 15), 297 30.7 303 boD 25.7 10 | 1 or 01 OT 94 O14 on on | oO 54 0 0.0 NPL Kontribusi Kredit Pensiunan +1.9% YoY Civil Se
Slide 28: Kinerja Bisnis Syariah
EA bank bjb Kinerja Bisnis Syariah 2Q15 bank bjb Syariah
Slide 29: Ringkasan Kinerja
Ringkasan Kinerja + Pendapatan Marjin Bersih Rp 151 M (+31.0% YoY) Lapora n Laba + Beban Operasional Rp 186 M (+44.0% YoY) Rugi + Laba Bersih Rp 1.38 M (+112.1% YoY) + Total Pembiayan Rp 5.0T (+30.7% YoY) Neraca + Total Dana Pihak Ketiga Rp 5.1 T (+27.8% YoY) + Total Aktiva at Rp 6.3 T (+24.1% YoY)
Slide 30: Rasio Keuangan
Rasio Keuangan Rasio Utama (%) 2Q14 2Q15 YoY CAR 16.9% 12.2% 47% NPF Gross 2.8% 7.2% +4.4% NPF Nett 2.4% 5.0% +2.6% ROA 0.1% 0.1% - ROE 0.2% 0.5% +0.3% NIM 5.9% 6.3% +0.4% BOPO 98.8% 98.7% -0.1% FDR 94.8% 88.5% -6.3%
Slide 31: Laporan Laba Rugi
Laporan Laba Rugi a maar hata Rugi 2014 2015 YoY Pendapatan Marjjin 277,005 355,912 28.5% Beban Marjin 161,937 205,141 26.7% Marjin Bersih 115,068 150,771 31.0% Pendapatan Operasional Lainnya 15,921 38,768 143.5% Beban Operasional 129,447 186,386 44.0% Pendapatan Operasional 1,542 3,153 104.5% Penda
Slide 32: Neraca
Neraca isis Ringakasan Neraca (Rp Juta) 2Q14 2Q15 YoY Kas atau Setara Kas 32,210 47,963 48.9% Giro pada Bank Indonesia 148,044 243,202 64.3% Cadangan Sekunder 845,732 825,993 -2.3% Pembiayaan-net 3,770,307 4,879,565 29.4% Aktiva Tetap-net 164,870 159,965 -3.0% Aktiva Lainnya 88,945 110,372 24.1% Tot
Slide 33: Kinerja Bisnis
Kinerja Bisnis bank bjb ree ats) 2014 2015 (oy Murabahah 2,417,967 3,644,184 50.7% Ijarah 26,679 57,996 117.4% Pembiayaan 120,431 83,207 -30.9% Qardh 1,254,303 1,208,475 -3.7% Isthisna 213 3,582 -31.3% Total Pembiayaan (Gross) 3,824,593 4,997,444 30.7% ola a 2014 2013 Wadiah 81,417 86,088 5.7% Wadia
Slide 34: Profil Perusahaan
EA bank bjb Profil Perusahaan bank bjb
Slide 35: 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 2Q14 2Q15 SeriA 75.00 75.00 Pemerintah Prop. Jawa Barat 38,26 38,26 Pemerintah Kota/Kab. Se-Prop. Jawa 23,
Slide 36: Road Map bank bjb
\ es Road Map bank bjb Membangun Pertumbuhan Berkesinambungan & Bank Yang Berkinerja Baik 2016-2017 2018 - 2019 2020 Membangun Pondasi Pertumbuhan Yang Bank Dengan Kinerja Bersiap Menghadapi Masyarakat Yang Kuat Berkualitas & Layanan Terbaik Ekonomi Asean (MEA) Peningkatan Market Share Dana Pihak Ke
Slide 37: Aliansi Bisnis & Strategi
Aliansi Bisnis & Strategi Pertumbuhan Yang Berkesinambungan & Bank Yang Berkinerja Baik oPeningkatan Kualitas Jf 5 peningkatan Bisnis ff o Pertumbuhan oPeningkatan oPengembangan Trade © Meningkatkan Kredit Proses Melalui Four Secara Organik dan CASA Melalui Finance, Remittances, Kinerja Anak oRedesi
Slide 38: Jaringan Kantor bank bjb
Jaringan Kantor bank bjb aay wok | = Total bjbemployees Others | 7,116 Deposits 2.6 Tr Pap: \| Total bjb customers Loans 3.5 Tr a \ : 4,682,120 Micro Loans 484 bn ed is | AED Profit 46 bn ie | \ 57,202 Customers | 13 Branch Offices E \ 13 Sub Branch Offices 4 Cash Offic 95 ATM Unit _ roeng bjb setae
Slide 39: Detail Jaringan dan Layanan bank bjb
Detail Jaringan dan Layanan bank bjb No Jaringan Kantor 2Q14 2Q15 YoY 1 Kantor Cabang 62 62 - 2 KCP 304 312 +8 3 Kantor Kas 142 315 +173 4 Payment Point 104 131 +27 5 ATM 969 1,201 +232 6 Waroeng bjb (A,B & C) 591 485 -106 7 Layanan bjb Precious 11 11 - 8 Sentra UMKM 6 6 . 9 Kas Mobil 11 11 - 10 Wee
Slide 40: - - - > - > 6% 1% - 17% 18 - 30 76%
18 - 30 31 - 40 41 - 50 > 50 41 - 50 > 50 6% 1% 31 - 40 17% 18 - 30 76%
Slide 41: Penghargaan 2014-2015 bank bjb
Penghargaan 2014-2015 bank bjb bank bib F PPBANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN THK Infobank-MRI 2014 Banking Service Excellent Awards- —_ Infobank-MRI 2014 Banking Service Excellent Awards- Indonesia WOW Brand Award 2014- Gold Champion 2"4 Best Phone Handling Commercial Banking 15tBest AT
Slide 42: Penghargaan 2014-2015 bank bjb
Penghargaan 2014-2015 bank bjb INOVATOR PERLUASAN KEPESERTAAN BPJS KETENAGAKERJAAN 'MELALUI SERVICE POINT OFFICE (SPO) a BPJS Awards- Innovators For BPJS Participation — Reai A Infobank Awards - Financial Performance “Very Through Service Point Office (SPO) BPJS Awards - Regional Strategic Partner 2
Slide 43: 2014-2015 Awards bank bjb
2014-2015 Awards bank bjb Infobank Banking Service Excellence Award 2015 - Indonesia Property & Bank Award X 2015 15t Best SMS Banking Kategori Bank Umum Konvensional MNC Business Award 2015 - Kategori Best Listed Regional Bank
Slide 44: Share price and volume
Volume (RHS) Price (LHS) 1400 120 1300 100 1200 80 1100 Million Shares Rp/share 1000 60 900 40 800 20 700 600 0
Slide 45: bank bjb contact
FZ bank bjb Menara bank bjb JI. Naripan 12-14 7* Floor Bandung 40111 Telp. +6222 4234868