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) — Q1 2013 Earnings Presentation
48 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2013
Slide 1: Lebih Besar, Lebih Kuat, Lebih Baik - 1Q13 Analyst Meeting
Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 1Q13 Analyst Meeting
Slide 2: Daftar Isi
Daftar Isi Pg. 5 Ringkasan Kinerja Pg. 10 Detail Kredit Pg. 16 Detail Dana Pihak Ketiga Pg. 17 Kualitas Aktiva Pg. 20 Analisa Imbal Hasil Pg. 23 Performa Kredit Mikro Pg. 32 Performa Bank bjb Syariah Pg. 38 Profil Perusahaan 2
Slide 3: Ekonomi Makro
Ekonomi Makro PDB +6.1% YoY, BI Rate 5.75% Indeks Kepercayaan Konsumen Terjaga Baik Consumer Confidence Index GDP Growth BI Rate 130 14 120 12 110 Index (points) 10 100 8 (%) 90 6 4 80 2 70 0 60 Inflasi Naik Akibat Kenaikan Harga Pangan Pelemahan Rupiah, Koreksi Harga Obligasi CPI 1mth JIBOR USDIDR
Slide 4: Sektor Perbankan
Sektor Perbankan Total Loans Total Deposit Pada bulan Feb‘13, data sektor perbankan 45.0 40.0 menunjukkan: 35.0 • Kredit 23.4%YoY to Rp2,736tr (Kredit Investasi YoY Growth (%) 30.0 25.0 +25.4% YoY, Kredit Modal Kerja +24.5%, Kredit 20.0 Konsumsi+20.2%) 15.0 • Deposit +16.0% YoY to Rp3,207tr (CASA +1
Slide 5: Ringkasan Kinerja
Ringkasan Kinerja • Pendapatan Bunga Bersih Rp 1.15 Tr (+37.7% YoY/ +34.7% QoQ) • Laba Operasional Sebelum CKPN Rp 562 miliar (+37.4% YoY/ +94.5% Laba Rugi QoQ) • Beban CKPN at Rp 94 miliar (+168.0% YoY/ -29.7% QoQ) • Laba Bersih at Rp 372 miliar (+37.5% YoY/ +50.0% QoQ) • Total Kredit at Rp 37.8 Tr
Slide 6: Target vs. Realisasi
Target vs. Realisasi Target 1Q13 Loans Growth 25% - 28% 36.0 Deposit Growth 18% - 22% -4.6 ROA (net) 1.8% - 2.0% 2.4 ROE (net) 20% - 22% 24.1 NIM 6.8% - 7.2% 8.2 Cost of Fund 5.0% - 5.5% 4.7 Cost to Income Ratio 51% - 54% 55.2 Gross NPL 1.5% - 2.0% 2.1 Credit Cost 1.0% - 1.4% 1.2 CASA Ratio 40% - 45
Slide 7: Rasio Keuangan (bank)
Rasio Keuangan (bank) Rasio Penting 1Q12 2Q12 3Q12 4Q12 1Q13 Profitabilitas ROA (net) 2.0 2.1 2.1 1.9 2.4 ROE (net) 20.1 22.6 23.1 21.3 24.1 Rasio Biaya Cost to Income Ratio 51.5 51.1 52.3 54.4 55.2 BOPO 75.8 75.9 76.8 80.0 74.6 Imbal Hasil Asset Yield 12.1 12.5 12.5 12.0 12.8 Cost of Fund 5.8 5.5 5
Slide 8: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi 1Q12 1Q13 YoY (%) 4Q12 1Q13 QoQ (%) (Rp miliar) Pendapatan Bunga 1,598 1,889 18.2 1,704 1,889 10.8 Beban Bunga (769) (735) -4.5 (847) (735) -13.3 Pendapatan Bunga 838 1,154 37.7 857 1,154 34.7 Bersih Fee Based Income 44 64 44.4 70 64 -8.4 Beban Operasional (474) (
Slide 9: Neraca
Neraca Ringkasan Neraca 1Q12 2Q12 3Q12 4Q12 1Q13 YoY (%) (Rp miliar) Kas atau Setara Kas 1,288 1,482 1,380 1,795 1,570 21.9 Giro pada Bank 4,308 4,828 4,279 4,666 3,659 -15.0 Indonesia Cadangan Sekunder 27,118 19,996 25,047 24,075 19,887 -26.7 Kredit-net 27,339 30,701 32,142 34,769 37,198 36.0 Pembi
Slide 10: Detail Kredit (bank)
Detail Kredit (bank) Consumer Micro Commercial Mortgage Segmen YoY 1Q ‘12 1Q ’13 40 (Rp miliar) (%) 2.3 1.7 Konsumer 19,748 24,504 24.1% 35 1.2 0.9 5.8 6.3 Mikro 3,065 5,069 65.4% 30 0.7 5.6 0.2 0.5 5.3 5.1 0.1 Komersial 4,343 5,799 33.5% 25 0.1 4.3 4.5 4.4 4.1 0.1 4.6 3.6 4.2 0.1 0.1 (Rp tr) 3.7 3.
Slide 11: Kredit Konsumer
Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) YoY Indikator Utama 1Q ‘12 1Q ’13 (%) NPL (RHS) 30 1.0 Outstanding 19,748 24,504 24.1 0.9 Ekspansi Neto 25 579.2 1,877.6 324.2 1.11 0.8 (Rp miliar) 0.80 0.600.63 0.7 Rata-rata 0.56 20 Outstanding per 0.54 55 71 29.6 0.50 Debitur 0.47 0.
Slide 12: Kredit Mikro
Kredit Mikro KMU (LHS) Govt Program (LHS) YoY Others (LHS) NPL (RHS) Indikator Utama 1Q ‘12 1Q ’13 (%) 6.0 10.0 Outstanding 3,065 5,069 65.4 9.0 5.0 Ekspansi Neto 90.1 523.9 581.7 0.6 8.0 (Rp miliar) 0.6 7.0 Rata-rata 4.0 Outstanding per 0.7 1.2 46 56 22.4 Debitur 6.0 (Rp miliar) 0.6 1.2 (Rp tr) (%)
Slide 13: Kredit Komersial
Kredit Komersial Working Capital (LHS) Investment (LHS) YoY Syndicated (LHS) NPL (RHS) Indikator Utama 1Q ‘12 1Q ’13 (%) 7.0 15.0 Outstanding 4,343 5,799 33.5 14.0 6.0 13.0 0.8 12.0 Ekspansi Neto 0.8 -59.3 -537.7 907.6 0.7 (Rp miliar) 1.0 11.0 5.0 0.8 0.6 10.0 1.2 Rata-rata 0.6 0.5 9.0 Outstanding p
Slide 14: NPL Kredit Komersial
NPL Kredit Komersial Tanggal Debitur Persetujuan Menjadi NPL Outstanding Penyelesaian Kredit PT. Rekapastika Asri 20th April 10 May '12 23,177 Telah dilunasi Tanggal Debitur Persetujuan Menjadi NPL Outstanding Usaha Penyelesaian Kredit Penagihan aktif dan pasif serta rencana restrukturisasi PT. Prac
Slide 15: Kredit Pemilikan Rumah (KPR)
Kredit Pemilikan Rumah (KPR) Mortgage Loans (LHS) NPL (RHS) YoY Indikator Utama 1Q ‘12 1Q ’13 2,500 15.0 (%) 2,287 14.0 Outstanding 663 2,287 244.8 13.0 2,000 12.0 Ekspansi Neto 1,721 11.0 210.7 566.0 268.6 (Rp miliar) 10.0 1,500 9.0 Rata-rata Outstanding per Debitur 237 269 13.6 (Rp bn) 1,215 8.0 (
Slide 16: Detail DPK (bank)
Detail DPK (bank) Current Account Savings Account Time Deposit 60 Detail DPK YoY 1Q ‘12 1Q ’13 (Rp miliar) (%) 50 Giro 12,043 15,474 28.5% Tabungan 5,018 7,149 42.5% 40 28.5 24.3 Deposito 32,351 22,620 -30.1% 32.4 30.0 22.6 (Rp tr) 30 TOTAL 49,413 45,243 -8.4% 23.5 20.0 20.9 17.9 19.2 19.1 18.9 Rasi
Slide 17: Kualitas Aktiva
Kualitas Aktiva Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS) Total Hapus Gross NPL (%) 900 180 Mar‘12 Mar ’13 Buku 1Q12 (Bank) (Rp miliar) 796 800 160 Konsumer 0.11 0.12 1.9 754 728 701 699 700 679 140 Mikro 3.7 5.7 59.9 648 621 Komersial 4.5 7.0 53.2 593 603 575 587 600 120 551 55
Slide 18: Kredit Dalam Perhatian Khusus
Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 100% 2 2 1,600 4.5 4 3 1 2 4 5 7 7 4 9 14 90% 1,400 4.0 210 28 80% 42 Absolute Special Mention Loans (Rp bn) 3.5 46 46 32 Special Mention Contribution (%) 1,20
Slide 19: Non Performing Loans
Non Performing Loans Consumer (LHS) Micro (LHS) Consumer Micro Commercial Mortgage Commercial (LHS) Mortgage (LHS) 100% 2 2 2 2 2 2 1 % to Loans (RHS) 2 0 6 7 4 9 900 3.0 90% 800 80% 68 2.5 700 48 11 70% 59 63 53 51 65 NPL Contribution (%) 600 2.0 73 64 60% Absolute NPL (Rp bn) 10 78 79 79 78 32 84
Slide 20: Analisa Imbal Hasil
Analisa Imbal Hasil Asset Yield (LHS) CoF (RHS) NIM (RHS) • NIM 8.2% (+157bpsYoY/ +140bps QoQ) 16 9.0 15 • Cost of Fund 4.7% (-84bps YoY/-55bps QoQ) 8.5 • Asset Yield 12.8% (+72bps YoY/ -76bps QoQ) 14 13 8.0 • Proporsi kredit terhadap aktiva produktif 65.9% 12 (+152bps YoY/ +627bps QoQ) 11 7.5 10 7.
Slide 21: Basis Nasabah
Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik Government Corporate Retail Consumer Micro Commercial Mortgage 100% 0 0 0 0 0 0 0 0 1 1 1 1 2 100% 1 16 19 18 1 2 3 3 3 3 2 2 3 3 2 2 90% 19 17 18 19 19 19 10 11 12 22 25 24 22 90% 12 13 14 15 15 15 16 18 19 80% 20 80% 70%
Slide 22: Kecukupan Modal
Kecukupan Modal Aktiva Tertimbang 1Q ‘12 1Q ’13 YoY • Total CAR at 16.8% (-280bps YoY/ -128bps QoQ) Menurut Resiko (ATMR) • Total modal inti Rp4.7triliun setelah dikurangi cadangan pembagian dividen Total ATMR 22,881 27,527 20.3 Risiko Kredit 17,351 20,738 19.5 Risiko Operasional 5,191 6,254 20.5 Ri
Slide 23: Sumber Pertumbuhan Baru: Kredit Mikro
Sumber Pertumbuhan Baru Kredit Mikro 23
Slide 24: Performa Kredit Mikro
Performa Kredit Mikro • Kredit mikro berada pada posisi Rp 5.1 tr(+65.4% YoY/ +11.5% QoQ) Pertumbuhan • Ekspansi net Rp 2.0tr YoY / Rp523.8bn QoQ • Kontribusi terhadap total kredit 13.5% (+244bps YoY/ +56bps QoQ) • Kredit dalam perhatian khusus 15.6% (+475bps YoY/ +305bps QoQ) • Nilai kredit dalam p
Slide 25: Kredit Mikro
Kredit Mikro Total Micro Loans NPL YoY Indikator Utama 1Q ‘12 1Q ’13 6.0 12.0 (%) Outstanding 3,065 5,069 65.4 5.0 10.0 5.1 Ekspansi Neto 154.7 479.6 310.0 (Rp miliar) 4.5 4.0 4.1 8.0 Rata-rata Outstanding per 46 56 22.4 3.6 Debitur (Rp tr) (Rp miliar) (%) 3.0 5.7 6.0 5.1 3.1 2.9 3.0 4.9 Jumlah Debi
Slide 26: Kredit Mikro Utama
Kredit Mikro Utama Kredit Mikro Utama (LHS) NPL (RHS) YoY Indikator Utama 1Q ‘12 1Q ’13 (%) 3.5 12.0 Outstanding 1,359 3,229 137.7 3.2 3.0 10.0 Ekspansi Neto 154.7 479.6 310.0 2.7 (Rp miliar) 2.5 8.0 Rata-rata 2.3 Outstanding per 29 47 64.2 2.0 Debitur (Rp tr) 5.9 (Rp miliar) (%) 1.9 6.0 5.4 5.3 4.9
Slide 27: Program Pemerintah
Program Pemerintah Government Program (LHS) NPL (RHS) YoY Indikator Utama 1Q ‘12 1Q ’13 (%) 1.4 12 Outstanding 1,128 1,200 6.4 1.2 1.2 10 1.2 Ekspansi Neto 1.1 1.1 -15.3 44.4 - 1.1 1.1 1.1 (Rp miliar) 8.4 1.0 1.0 8 7.3 Rata-rata Outstanding per 0.8 0.9 78 70 -10.7 Debitur 6.0 (Rp tr) 5.9 (Rp miliar)
Slide 28: Kredit Mikro Lainnya
Kredit Mikro Lainnya YoY Others Micro Loans(LHS) NPL (RHS) Indikator Utama 1Q ‘12 1Q ’13 (%) 0.8 12.0 Outstanding 579 640 10.6 0.7 0.7 10.0 Ekspansi Neto 0.7 0.7 0.7 0.7 0.7 -49.4 -0.2 - (Rp miliar) 0.6 0.6 0.6 0.6 0.6 0.6 Rata-rata Outstanding 8.0 0.5 per Debitur 116 143 23.1 6.9 (Rp miliar) 0.5 (R
Slide 29: Kredit Mikro Dalam Perhatian Khusus
Kredit Mikro Dalam Perhatian Khusus KMU (LHS) Govt Programs (LHS) Others (LHS) Special Mention Loans (RHS) KMU Govt Programs Others 900 18 100% 8 9 6 6 7 13 14 11 12 10 15.6 16 15 13 800 90% 6 51.6 26 3 22 700 14 80% Absolute Special Mention Loans (Rp bn) 21 25 12.712.5 37 171.7 43 29 Special Mentio
Slide 30: Non Performing Loans Kredit Mikro
Non Performing Loans Kredit Mikro KMU Govt Programs Others KMU (LHS) Govt Programs (LHS) Others (LHS) NPL (RHS) 100% 9 9 10 350 5.7 6 90% 19 17 24 25 28 30 27 5.1 33 30 31 300 4.9 80% 5 - 30 30.0 - 37 70% - 250 4.1 0 4 47 14 NPL Contribution (%) 3.7 3.8 4 60% Absolute NPL (Rp bn) 3.6 23 49 88.0 3.3
Slide 31: Proses Bisnis
Proses Bisnis • Processor • Marketing •Credit Analyst •Pick up Staff Staff •Officer •Supervision •Customer •Branch/Sub Staff Sales Branch Manager Marketing Proses Kredit Penagihan Analis Pemimpin Marketing Sales Prosesor Officer Pick-up Supervisi Kredit Cabang 2,125 97 277 434 36 352 464 248 31
Slide 32: Kinerja Bisnis Syariah
Kinerja Bisnis Syariah 1Q13 bank bjb Syariah 32
Slide 33: Ringkasan Kinerja
Ringkasan Kinerja • Pendapatan Marjin Bersih Rp 70.2miliar (+58.7% YoY/ +11.3% QoQ) Laba Rugi • Biaya Operasional Rp70.2miliar (+71.8% YoY/ +6.7% QoQ) • Laba Bersih Rp609mn (-79.8% YoY/ -83.4% QoQ) • Total Pembiayaan Rp3.1tr (+70.3% YoY/ +3.7% QoQ) Neraca • Total Dana Pihak Ketiga Rp3.6tr (+80.7% Yo
Slide 34: Rasio Penting
Rasio Penting Rasio Penting (%) 1Q ‘12 1Q ’13 YoY CAR 29.7 21.4 -8.3 Gross NPF 1.4 4.4 +3.0 Net NPF 0.4 3.2 +2.8 ROA 0.9 0.1 -0.8 ROE 2.4 0.4 -2.0 NIM 9.2 7.0 -2.2 BOPO 90.3 98.4 +8.1 FDR 90.9 85.7 -5.2 34
Slide 35: Laporan Laba Rugi
Laporan Laba Rugi Laporan Laba Rugi (Rp juta) 1Q ‘12 1Q ’13 YoY (%) Pendapatan Marjin 77,898 121,673 56.2 Biaya Marjin (33,657) (51,474) 52.9 Marjin Bersih 44,241 70,199 58.7 Pendapatan Operasional Lainnya 1,025 1,200 17.1 Biaya Operasional (40,864) (70,219) 71.8 Pendapatan Operasional 4,402 1,180 (
Slide 36: Neraca
Neraca Neraca Keuangan 1Q ‘12 1Q ’13 YoY (%) (Rp juta) Kas atau Setara Kas 13,103 29,066 121.8 Giro Pada Bank Indonesia 97,712 162,282 66.1 Cadangan Sekunder 750,394 1,174,779 56.6 Pembiayaan – Net 1,763,961 2,964,927 68.1 Aktiva Tetap – Net 7,584 149,829 - Aktiva Lain-lain 47,945 45,897 -4.3 Total
Slide 37: Kinerja Syariah
Kinerja Syariah YoY Total Financing Total Funding Pembiayaan Syariah 1Q ‘12 1Q ’13 (%) 4.00 Murabahah – (Trading) 869,959 1,607,216 84.7 3.58 Ijarah 47,928 11,718 -75.5 3.50 3.36 Pembiayaan 469,491 364,617 -22.3 3.07 Qardh – (Bridging) 407,254 1,077,863 164.7 2.96 3.00 Isthisna – (Pawning) 6,527 6,6
Slide 38: Profil Perusahaan
Profil Perusahaan bank bjb 38
Slide 39: Kepemilikan
Kepemilikan West Java Provincial Government Struktur Kepemilikan 1Q12 1Q13 West Java Municipal Government Banten Provincial Government Pendiri (Seri A) 75.00 75.00 Banten Municipal Government Pemerintah Provinsi Jawa Barat 38,26 38,26 Public (B Series) Pemerintah Kota/Kabupaten se- 23,61 23,61 Jawa
Slide 40: Road Map
Road Map A Strong Sustainable Growth and Profitable National Bank 2011-2012 2013-2014 2015 Building/Establishment Leading in Service A National Bank New Infrastructures As One of the Big Banks Leading in Service and Performance Strategy Strategy Strategy Developing HR Competence, IT Infrastructure,
Slide 41: Business and Strategic Alliances
Business and Strategic Alliances Sustainable Profit and Growth Institutional SME / & Consumer Consumer Treasury and Subsidiary Micro Loans Deposit International Companies Commercial Financing Banking oDeepening Our oImproving Loans oStrengthening Our oAcquisition of oRebranding , oProviding Trade Pr
Slide 42: Jaringan Kantor
Jaringan Kantor Total bjb employees 5,529 Total bjb customers 2,180,666 Others Deposits 1.4 Tr Loans 1.2 bn Expansion Plan Profit 2.8 bn 34,133 Customers +3 Branch Offices 13 Branch Offices (Malang,Yogyakarta 13 Sub Branch Offices & Purwokerto) 330 Employees +99 Sub Branches +472 Cash Offices +27 Pa
Slide 43: Detail Jaringan Layanan
Detail Jaringan Layanan Nov bjb Network 31-Mar-12 31-Mar-13 YoY 1 Branch 55 62 7 2 Sub Branch 213 304 91 3 Cash Offices 64 140 76 4 Payment Point 94 103 9 5 ATM 559 934 375 6 Waroeng bjb (A,B & C) 0 437 437 Type A 0 47 47 Type B 0 183 183 Type C/Functional Office 0 207 207 7 Priority Banking Service
Slide 44: Sumber Daya Manusia
Sumber Daya Manusia Berdasarkan Pendidikan Posisi Mar ’12 Mar ‘13 YoY Up to High School Up to Bachelor Degree Dewan Komisaris 5 5 - Masters and Doctorate 0.8 Direksi 5 5 - 4.9 Manajemen Puncak 25 31 6 Manajemen Madya 171 207 36 Manajemen Lini Pertama 942 1,296 354 94.4 Staf 1,352 3,989 2,637 MPP 7 6
Slide 45: Penghargaan Tahun 2012
Penghargaan Tahun 2012 Infobank Awards 2012 Jamsostek Award: Regional Strategic Partner 2012 Call Center Award for 2012 SINDO People of The Year 2012 “CEO of The Year” The 4th IICD Corporate Governance Indonesia Trusted Company Conferences & Award: Best The Indonesian Institute for Mark Plus Confere
Slide 46: Profil Resiko
Profil Resiko Jenis Resiko Profil Resiko Inherent Kualitas Manajemen Resiko Profil Resiko Kredit Rendah ke Sedang Kuat Rendah Pasar Rendah Kuat Rendah Likuiditas Sedang Kuat Rendah ke Sedang Operasional Rendah ke Sedang Memuaskan Rendah ke Sedang Hukum Rendah ke Sedang Memuaskan Rendah ke Sedang Rep
Slide 47: Performa Harga Saham
Performa Harga Saham Volume (RHS) Price (LHS) 1400 120 Grup Hubungan Investor 1300 Menara bank bjb 100 7th Floor Jl. Naripan 12 – 14 1200 Bandung 40111 +6222 4234868 ext 7140/7141 80 ir@bankbjb.co.id 1100 Contact Person: Million Shares Rp/share Hanel Topada 1000 60 Pemimpin Grup htopada@bankbjb.co.i
Slide 48: Menara bank bjb contact details
Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868