Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B · IDX:BJTM
Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B — FY2013 Earnings Presentation
46 slides from Pt Bank Pembangunan Daerah Jawa Timur Tbk Class B's earnings presentation, 2014
Slide 1: Analyst Meeting Full Year 2013
Analyst Meeting Full Year 2013
Slide 2: Agenda
AGENDA ECONOMIC OUTLOOK FINANCIAL HIGHLIGHTS OVERVIEW & INVESTMENT HIGHLIGHTS STRENGHTS Copyright IRU BJTM 2
Slide 3: Table of Contents
TABLE OF CONTENTS Description Page Description Page Agenda 2 -Type of Loan 22 Table of Contents 3 -Loan 23 – 27 Section 1 – Economic Outlook 4–9 - Multipurpose Loan 28 - Macro Economy 5 - Loan Interest Rate 29 -Bank Jatim Among All Bank In Indonesia 6 - BPR Linkage Program & JETS 30 -The Economic Po
Slide 4: Copyright IRU BJTM
Copyright IRU BJTM 4
Slide 5: Macro Economy
MACRO ECONOMY JIBOR DEPOSIT FACILITY ( % Average ) 5.50% 5.75% 5.55% 5.94% 3.75% 3.75% 4.00% 4.00% 4.00% 4.25% 3.78% 3.93% 4.12% 4.18% 3.97% 4.13% 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 3M12 1H12 9M12 FY12 3M13 1H13 9M13 FY13 Copyright IRU BJTM 5
Slide 6: Bank Jatim Among All Bank in Indonesia
BANK JATIM AMONG ALL BANK IN INDONESIA No Nama Bank Asset Kredit DPK Modal Laba Bersih Disetor 1 Bank Mandiri 647,152 416,978 499,718 11,667 16,994 2 BRI 606,370 430,622 486,366 6,167 21,160 3 BCA 488,508 312,380 409,514 1,541 14,364 4 BNI 371,046 239,363 280,744 9,055 8,800 5 CIM Niaga 213,574 143,
Slide 7: The Economic Potential of East Java Towards Bank Jatim
THE ECONOMIC POTENTIAL OF EAST JAVA TOWARDS BANK JATIM No Description 2008 2009 2010 2011 2012 2013 1. Number of 36.972.282 37.236.149 37.476.757 37.687.622 38.052.950 38.318.791 population 2. Growth rate (%) 0,72 0,71 0,64 0,81 0,72 0,70 N Economic Growth In trillion rupiah Region o FY12 FY13 1. DK
Slide 8: East Java at Glance
EAST JAVA AT GLANCE ECONOMY STRUCTURE ECONOMY STRUCTURE (as per December 2012) (as December 2013) NO DESCRIPTION % NO DESCRIPTION % 1. Agriculture 10.73 1. Agriculture 10.27 2. Mining & Quarrying 2.22 2. Mining & Quarrying 2.16 3. Processing Industry 25.84 3. Processing Industry 25.21 4. Electricity
Slide 9: Bank Jatim Among All Bank in East Java
Bank jatim Among ALL BANK IN EAST JAVA No Nama Bank Asset Kredit DPK 1 BRI 58.658 48.607 47.682 2 BCA 56.168 28.965 55.239 3 Mandiri 47.373 44.598 38.750 4 BNI 36.527 29.459 25.470 5 Bank Jatim 33.047 22.084 25.988 5 5 4 6 CIMB Niaga 18.592 13.140 14.057 7 Bank Permata 14.293 11.612 9.882 8 Bank Pan
Slide 10: Financial Highlights
bankjatim h FINAN ~~ \ IAL HIGHLIGHTS Copyright IRU BJTM
Slide 11: Balance Sheet
BALANCE SHEET In Million Rp. Dec Information Dec 2013 YoY 4Q12 3Q13 4Q13 YoY QoQ 2012 Total Asset 29.109.635 33.046.537 13,52 % 3.738.618 1.656.670 (2.462.222) -165.86% -248.62% Placement BI & SBI 2.103.339 2.269.719 7,91% 1.316.333 11.395 117.504 -91.07% 931.19% Placement Other 5.038.972 3.162.939
Slide 12: Profit & Loss
PROFIT & LOSS In Million Rp. Dec Dec Information YoY 4Q12 3Q13 4Q13 YoY QoQ 2012 2013 Interest Income 2.810.853 3.320.371 18,12% 727.767 885.663 929.005 27,65% 4,89% Interest Expense (852.363) (859.474) 0,83% (219.178) (224.412) (235.837) 7,6% 5,09% Nett Interest Income 1.958.490 2.460.896 25,65% 50
Slide 13: Financial Performance
FINANCIAL PERFORMANCE Financial Performance INTEREST INCOME (Rp Tril) INTEREST EXPENSE (Rp Tril) NET PROFIT (Rp Tril) CAGR = CAGR = CAGR = 4.0% 15.25% 12.17% THIRD PARTY FUND(Rp Tril) LOAN (Rp Tril) TOTAL ASSET (Rp Tril) CAGR = CAGR = CAGR = 15.36 % 21.74% 15.49% 22,32 18,56 16,14 13,09 10,12 7,42 5
Slide 14: Financial Ratio
FINANCIAL RATIO R R O O A E N L I D M R B O C P A O R Copyright IRU BJTM 14
Slide 15: Overview & Investment Highlights
bankjatim h Copyright IRU BJTM
Slide 16: Board of Directors
BOARDBOARD OF DIRECTOR OF DIRECTORS Bank Jatim is led by an experienced management team with deep knowledge on Indonesia’s banking sector. HADI SUKRIANTO, President Director 56 years old, obtained his Master’Degree from Universitas 17 Agustus 1945 Surabaya in 2003. Has joined Bank Jatim since 19
Slide 17: Board of Commissioners
BOARD BOARD OF COMMISIONER OF COMMISSIONER Bank Jatim is led by an experienced management team with deep knowledge on Indonesia’s banking sector. MULJANTO, President Commissioner SOEBAGYO, Independent Commissioner 60 years old, obtained his Master Degree from UPN Veteran 64 years old, obtained h
Slide 18: Third Party Fund
THIRD PARTY FUND In Billion Rp. YoY Current Acc. 3,17% Saving Acc. 21,97% Time Dep. 38,28% Copyright IRU BJTM 18
Slide 19: Third Party Fund
THIRD PARTY FUND In Billion Rp. Government Current Acc. YoY 1,97% Private Current Acc. YoY 4,11% SIMPEDA YoY 12,91% SIKLUS YoY 2,64% Hajj Saving YoY 8,42% TabunganKu YoY 194,69% Barokah Saving YoY 40,19% Time Deposit YoY 38,28% Copyright IRU BJTM 19
Slide 20: Third Party Fund
THIRD PARTY FUND Copyright IRU BJTM 20
Slide 21: New Products: ATM & KPE
NEW PRODUCTS ATM & KPE Copyright IRU BJTM 21
Slide 22: Type of Loan
TYPETYPE OF OF LOAN LOAN Bank Jatim provides various products and comprehensive services with high quality to cater all of the customers needs. LOAN % Total Loan CONSUMER LOAN Dec 12 Dec 13 ► Multipurpose Loan 57,87% 56,40% ► Mortgage Loan 3,51% 4,64% ► Others 2,66% 2,47 64,05% 63,51% COMMERCIAL LOA
Slide 23: Loan
LOAN In Billion Rp. YoY Consumer 18,00% Commercial 30,53% SME 11,62% Copyright IRU BJTM 23
Slide 24: Loan
LOAN In Billion Rp. Multiguna YoY 16,00% KPR YoY 56,96% Others YoY 10,08% Copyright IRU BJTM 24
Slide 25: Loan
LOAN In Billion Rp. Standby Loan YoY 34,49% Keppres YoY 3,75% Overdraft YoY 50,21% Syndicate YoY 16,40% Copyright IRU BJTM 25
Slide 26: Loan
LOAN In Billion Rp. KUR YoY - 25,58% Pundi Kencana YoY 118,97% Laguna YoY - 27,94% Others YoY 45,12% Copyright IRU BJTM 26
Slide 27: Loan: Total Customers and Ticket Size
LOAN bankjatim f/ Total Customer Consumer #Commercial & SME 264,742 , , 263,169 260,490 261,230 260,862 957.846 257,915 956.301 36,498 39,306 40,809 41,439 41,554 42,097 43,553 43,444 1 9 57 52 01 9 2 57 91 3M12 41H12 9M12 FY12 3M13 1H13 9M13 FY13 Ticket Size -—Consumer -i-Commercial -«-SME 693.65 7
Slide 28: Multipurpose Loan
MULTIPURPOSE LOAN Feature Details Description Details Pricing 16%-18% Civil Servants 435.234 (per Sept 2013) Multipurpose 214.460 Maximum 10 Years (Extendable; Customer Tenor subject to duration of (Civil Servants) employment) % 49,27% Maximum • Maximum 80% of Loan Limit monthly salary can be Multip
Slide 29: Loan Interest Rate
LOAN INTEREST RATE ALCO Description NO.051/008/ALCO Consumer Loan 8.50% - 11% p.a Flat Multipurpose 15.40% - 17.20% p.a Annuity Mortgage 10.25% p.a Efective Fixed Rate first year next Floating Others 7.00% p.a Efective Fixed Rate Commercial Loan Standby Loan 12.25% p.a Efective Floating Rate Keppres
Slide 30: Linkage Program to Rural Bank & JETS
LINKAGE PROGRAM to RURAL BANK & JETS One of transfer system service to Rural Bank in Bank Jatim is • Outstanding : 396,92 JETS (Jatim Electronic Transfer System). In this case, Bank Billion Rp. Jatim acting as an organizer and Rural bank as participants. Linkage Program • Consists of 70 members Exec
Slide 31: NPL Each Segment
NPL Each Segment 3M13 6M13 9M13 FY13 Consumer Loan 0.36% 0.39% 0.47% 0.13% SME Loan 13.66% 14.18% 12.50% 12.45% Commercial Loan 2.95% 3.21% 3.63% 7.07% Ratio Des 2012 Mar 2013 Jun 2013 Sept 2013 Dec 2013 NPL Gross 2,95% 3,15% 3,29% 3,13% 3,44% Coverage Coverage Coverage Coverage Coverage Ratio Ratio
Slide 32: Human Resources
HUMAN RESOURCES * Exclude No DATA Des-12 Des-13 outsourcing Board of 1 Commisioner 4 3 Board of Sharia 2 Supervisory 3 3 3 Director 5 3 4 Management 1 Target 14 15 No Program 2013 Description 2014 5 Management 2 1 Manajement Trainee (MT) 68 67 21 15 Pjs. Manager - 6 Management 3 6 Waiting for placem
Slide 33: Business Plan 2014
BUSSINESS PLAN 2014 Description Target • Strategy of achieving loan growth 25,51% Total Asset 18,96% is by distributioning loan of consumer 2,3 Trillion, consists of Multipuspose Loan 2 Loan 25,51% Trillion, and the rest is Mortgage and Talangan Haji. Followed by SME Loan 2 Third Party Fund 24,88% T
Slide 34: Strengths
bankjatim h Copyright IRU BJTM
Slide 35: Competitive Funding Composition
1. COMPETITIve FUNDING COMPOSITION CASA BANK RATIO (Sept 2013) Bank Jatim 70,68% 23.7%28.5%23.5%21.2%23.9%23.7% 28.7% 23.7%21.0%23.9%19.7%23.2% Bank Jabar 2 49,33% Banten 36.2% 24.6% 35.8% Bank Mandiri 66,00% 25.4%28.8% 24.1% 28.4%35.9% 25.0% 35.4% 36.8% 38.4% BTN 48,59% BTPN 15,63% CASA BRI 57,69%
Slide 36: Maintain Low Cost of Fund
2. MAINTAIN LOW COST OF FUND Copyright IRU BJTM 36
Slide 37: Micro Loan
3. MICRO LOAN Benefit of Bank Jatim Micro than other Micro of National Bank : 1. Competitive interest with other national banks, such as BRI or BTPN 2. Concept of Relationship Officer to customers by education and mentoring 3. Bank Jatim has strong Brand Image in East Java 4. Bank Jatim give chances
Slide 38: Micro Loan
3. MICRO LOAN 100 implant in 2014 Komite Memutus Permohonan Kredit Product Plafond Credit Area Head of Risk Unit Micro Area Head of marketing Head of Sub Officer Credit Management Head Manager dan Distribution Division Micro (Rp) Officer MicroLoan Jatim 50 5 million until 50 ∆ √ million Jatim 300 >
Slide 39: Micro Loan Realization
3. MICRO LOAN Realization Date : 18-Mar-14 100 implant in 2014 600 Billion Rupiah PENCAIRAN TANGGAL MOUNTH TO DATE (MTD) TARGET KUMULATIF HISTORY PENCAIRAN YEAR TO DATE (YTD) TARGET KUMULATIF % PENCAPAIAN % PENCAPAIAN NO UNIT 18-Mar-14 Mar-14 Mar-14 Feb-14 PENCAIRAN KUMULATIF THN 2014 PENCAIRAN THN
Slide 40: Wide Network
4. Wide network Network 2009 2010 2011 2012 2013 Head Office 1 1 1 1 1 Branch Office 39 41 41 41 41 Sub Branch 26 44 67 81 107 Office Cash office 151 154 164 164 176 Sharia service 37 37 47 47 47 office Payment Point 78 88 115 138 155 Mobile cash 45 49 57 57 59 2014 2015 2016 2017 2018 Mobile ATM -
Slide 41: Highest Current Account Market Share in East Java
5. Highest CURRENT ACCOUNT MARKET Share in EAST JAVA In Trilion Rp. Dec 2013 Dec 2013 No Description % East Java Bank Jatim 1. Total Asset 420,52 33,05 7,85% 2. Third Party Fund 335,31 25,99 7,75% - Current Account 53,34 9,97 18,69% - Saving Account 130,19 9,97 7,65% - Time Deposit 151,77 6,05 3,98%
Slide 42: Bank Jatim 2nd Among Best Regional Bank
6. Bank jatim 2nd Among BEST REGIONAL BANK In Billion Rp. Asset Kredit DPK Modal Laba Bersih BJB * 67041 44990 46761 2424 1385 Bank Jatim* 33047 2 22084 25988 5719 824 2 2 1 2 Bank DKI 31097 18018 22115 1931 802 Bank Jateng 30908 21267 2493 1217 717 Bank Kaltim 27554 18199 21347 264 683 Bank SUMUT 2
Slide 43: High Dividend Yield
7. HIGH DIVIDEND YIELD 8.9 7.6 4.0 3.1 % % % % 2% BJTM BJBR BBTN BBKP INDUSTRY Bank Share Market PBV PER Dividend (18/02/2014) px Cap Yield Rp bn Bank Jatim 456 6,802 1.2 7.4 8.9 % Bukopin 615 5,588 0.9 5.2 3.7 % Bank Jabar Banten 960 9,308 1.4 5.8 7.6 % BTN 1115 11,780 1.0 7.5 4.0% BTPN 4460 26,048
Slide 44: Awards & Achievements
8. AWARDS & ACHIEVEMENTS Platinum Indonesia Bank IAIR Awards Award Loyalty Award 2014 Infobank 2014 2013 Best Services Indonesia Excellence Banking 2013 Award 2013 Copyright IRU BJTM 44
Slide 45: Foreign Institution Investor
Foreign Institution Investor Jan 2013 Foreign Institution Investor Jan 2014 10,81 % from public shares 43,60 % from public shares Public shares 20 % from paid capital Domestic Investor Jan 2013 Domestic Investor Jan 2014 88,19 % from public shares 56,40 % from public shares 45 Copyright IRU BJTM
Slide 46: Contact
MICRO MICRO LOAN LOAN MICRO LOAN CONTACT MICRO Investor Relation Unit (IRU) LOAN Corporate Secretary (031) 5310090 www.bankjatim.co.id MICRO MICRO LOAN - Ferdian Timur S. – Ext. 472 LOAN Investor Relation Manager MICRO - Derry Widya A. – Ext. 469 LOAN IR Officer MICRO - Maylissa Ika P. – Ext. 469 IR
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) — FY2013 Earnings Presentation on 6ix