Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk · IDX:BJBR

Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk — Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb) — Q3 2013 Earnings Presentation

46 slides from Pt Bank Pembangunan Daerah Jawa Barat & Banten Tbk's earnings presentation, 2013

  1. Slide 1: Lebih Besar, Lebih Kuat, Lebih Baik - 3Q13 Analyst Meeting

    Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 3Q13 Analyst Meeting

  2. Slide 2: Daftar Isi

    Daftar Isi Pg. 5 Ringkasan Kinerja Pg. 10 Detail Kredit Pg. 15 Detail Dana Pihak Ketiga Pg. 16 Kualitas Aktiva Pg. 19 Analisa Imbal Hasil Pg. 23 Performa Kredit Mikro Pg. 32 Performa Bank bjb Syariah Pg. 37 Profil Perusahaan 2

  3. Slide 3: Ekonomi Makro

    Ekonomi Makro BI Rate Meningkat 150 bps ke 7.25% Tren Penurunan Indeks Kepercayaan Konsumen GDP Growth BI Rate Consumer Confidence Index 12 130 10 120 Index (points) 8 110 100 (%) 6 90 4 80 2 70 0 60 Source: Bloomberg Source: Bloomberg Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi Pengaruh Glo

  4. Slide 4: Sektor Perbankan

    Sektor Perbankan Loans Growth Deposit Growth 40.0 Pada bulan Juli‘13, data sektor perbankan 35.0 menunjukkan : 30.0 YoY Growth (%) 25.0 • Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi 20.0 +33.5% YoY, Kredit Modal Kerja +18.7%, Kredit 15.0 Konsumsi +20.0%) 10.0 5.0 • DPK +14.6% YoY to Rp 3,393tr (

  5. Slide 5: Ringkasan Kinerja

    Ringkasan Kinerja • Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ) • Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ) Laba Rugi • CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ) • Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ) • Total Kredit Rp 44.1 triliun (+34.4%

  6. Slide 6: Target vs. Realisasi

    Target vs. Realisasi (%) Target 1Q13 2Q13 3Q13 Pertumbuhan Kredit 25% - 28% 36.0 33.7 34.3 Pertumbuhan DPK 18% - 22% -5.1 10.6 7.3 ROA (net) 1.8% - 2.0% 2.4 2.2 2.2 ROE (net) 20% - 22% 24.2 24.3 23.5 NIM 6.8% - 7.2% 8.2 8.2 8.0 Cost of Fund 5.0% - 5.5% 4.6 4.6 4.8 Cost to Income Ratio 51% - 54% 55.0

  7. Slide 7: Rasio Keuangan (bank)

    Rasio Keuangan (bank) Rasio Penting 3Q12 4Q12 1Q13 2Q13 3Q13 Profitabilitas ROA (net) 2.1 1.9 2.4 2.2 2.2 ROE (net) 23.1 21.3 24.2 24.3 23.5 Rasio Biaya Cost to Income Ratio 52.3 56.5 55.0 54.7 55.6 Expense Ratio 76.8 80.0 74.4 75.9 77.0 Imbal Hasil Asset Yield 12.5 12.0 12.8 12.7 12.8 Cost of Fund

  8. Slide 8: Laporan Laba Rugi

    Laporan Laba Rugi Laporan Laba Rugi YoY QoQ 3Q12 3Q13 2Q13 3Q13 (Rp miliar) (%) (%) Pendapatan Bunga 5,092 5,995 17.7% 2,042 2,064 1.1% Beban Bunga (2,293) (2,421) 5.6% (801) (885) 10.5% Pendapatan Bunga 2,799 3,574 27.7% 1,241 1,179 -5.0% Bersih Fee Based Income 177 209 18.1% 78 67 -13.1% Beban Ope

  9. Slide 9: Neraca

    Neraca Ringkasan Neraca YoY 3Q12 4Q12 1Q13 2Q13 3Q13 (Rp miliar) (%) Kas atau Setara Kas 1,380 1,795 1,570 1,684 1,768 28.1% Giro Pada Bank 4,279 4,666 3,659 4,127 4,249 -0.7% Indonesia Cadangan Sekunder 25,047 24,075 19,887 19,926 19,740 -21.2% Kredit – net 32,142 34,769 37,198 41,046 43,154 34.3%

  10. Slide 10: Detail Kredit (bank)

    Detail Kredit (bank) Consumer Micro Commercial Mortgage Segmen YoY 3Q ‘12 3Q ’13 50 (Rp miliar) (%) 45 Konsumer 21,842 27,872 27.6 3.5 2.9 40 2.3 Mikro 4,117 5,493 33.4 1.7 7.0 35 6.5 1.2 0.9 5.8 Komersial 5,617 6,995 24.5 30 6.3 5.5 0.7 5.5 5.6 0.2 0.5 5.3 5.1 (Rp tr) 0.1 KPR 1,215 3,506 188.7 25 0

  11. Slide 11: Kredit Konsumer

    Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) YoY NPL (RHS) Indikator Utama 3Q ‘12 3Q ’13 (%) 30 1.0 Outstanding 21,842 27,872 27.6 1.46 1.74 0.9 25 1.11 0.8 Ekspansi Neto 0.80 2,673 5,246 96.2 0.63 (Rp miliar) 0.60 0.7 20 0.54 0.56 Rata-rata 0.50 Outstanding Per 0.47 0.6 62 81 30.

  12. Slide 12: Kredit Mikro

    Kredit Mikro KMU (LHS) Govt Program (LHS) YoY Indikator Utama 3Q ‘12 3Q ’13 KCR (LHS) NPL (RHS) (%) 6.0 10.0 Outstanding 4,117 5,493 33.4 9.0 0.7 0.7 Ekspansi Neto 5.0 1,142 948 -17.0 (Rp miliar) 0.6 8.0 0.6 Rata-rata 1.3 1.2 7.0 4.0 Outstanding Per 1.2 53 57 7.5 0.7 Debitur 6.0 (Rp juta) 0.6 1.2 (R

  13. Slide 13: Kredit Komersial

    Kredit Komersial Working Capital (LHS) Investment (LHS) YoY Indikator Utama 3Q ‘12 3Q ’13 Syndicated (LHS) NPL (RHS) (%) 8.0 15.0 Outstanding 5,617 6,995 24.5 14.0 7.0 13.0 Ekspansi Neto 1.0 12.0 1,215 658 -45.8 (Rp miliar) 6.0 0.8 0.9 11.0 0.8 1.3 10.0 Rata-rata 0.7 5.0 1.0 1.3 Outstanding Per 0.8

  14. Slide 14: Kredit Pemilikan Rumah (KPR)

    Kredit Pemilikan Rumah (KPR) Mortgage Loans (LHS) NPL (RHS) YoY Indikator Utama 3Q ‘12 3Q ’13 4,000 15.0 (%) 14.0 3,506 Outstanding 1,215 3,506 188.7 3,500 13.0 12.0 3,000 2,916 Ekspansi Neto 11.0 762 1,785 134.3 (Rp miliar) 10.0 2,500 Rata-rata 2,287 9.0 Outstanding Per 241 279 15.8 Debitur (Rp jut

  15. Slide 15: Detail DPK (bank)

    Detail DPK (bank) Current Account Savings Account Time Deposit 60 Detail DPK YoY 3Q ‘12 3Q ’13 (Rp miliar) (%) 50 Giro 15,678 18,174 15.9 Tabungan 6,275 8,167 30.1 40 27.0 26.6 28.5 24.3 Deposito 28,531 27,049 -5.2 32.4 30.0 22.6 (Rp tr) 30 TOTAL 50,485 53,390 5.8 23.5 20.0 20.9 19.2 19.1 18.9 8.2 R

  16. Slide 16: Kualitas Aktiva

    Kualitas Aktiva Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS) Gross NPL Write Off YoY (%) 3Q ‘12 3Q ’13 (Rp 1,200 180 (%) (Bank) miliar) 1,081 160 Konsumer 0.13 0.11 -0.02 2 1,000 962 Mikro 4.9 8.8 +3.9 243 896 140 Komersial 5.3 6.5 +1.2 113 796786 800 754 120 728 701 699 KPR 2.6 3.

  17. Slide 17: Kredit Dalam Perhatian Khusus

    Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 1,800 4.5 100% 1 2 3 2 2 4 7 7 294 5 9 14 16 254 90% 17 1,600 4.0 28 80% 1,400 3.5 42 Absolute Special Mention Loans (Rp bn) 210 46 46 32 19 54 28 19 Special M

  18. Slide 18: Non Performing Loans

    Non Performing Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 1,200 3.0 100% 2 2 2 2 2 4 0 1 7 6 9 9 10 112 90% 1,000 2.5 87 80% Absolute Net Performing Loans (Rp bn) Net Performing Loan/Total Loans (%) 70% 59 63 53 42 800 2.0 51

  19. Slide 19: Analisa Imbal Hasil

    Analisa Imbal Hasil Loans 69% Others Asset Yield 3Q ‘12 3Q ’13 1% Placement to Placement to Bank Bank Indonesia 4.0 3.8 9% Indonesia Interbank Placement 3.4 2.9 Interbank Placement Securities 4.4 5.1 3% Marketable 18.7 16.7 Securities Loans Yield 18% Others 0.1 0.5 Savings Account Cost of Fund 3Q ‘1

  20. Slide 20: Basis Nasabah

    Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik Consumer Micro Commercial Mortgage Government Corporate Retail 0 0 0 0 0 0 1 1 1 1 100% 100% 2 2 3 2 3 3 3 3 2 2 3 3 2 2 2 2 12 90% 90% 12 13 14 15 15 15 16 18 19 20 21 21 80% 80% 70% 70% Funding Proportion (%) Lending Pro

  21. Slide 21: Kecukupan Modal

    Kecukupan Modal Aktiva Tertimbang • Total CAR 16.4% (-200bps YoY/ + 8bps QoQ) 3Q ‘12 3Q ’13 YoY (%) Menurut Risiko (ATMR) • Total Modal Inti Rp5.2tr setelah dikurangi cadangan pembagian dividen (Kategori Bank Total ATMR 25,197 31,594 25.4 BUKU 3). Risiko Kredit 19,271 24,336 26.3 Risiko Operasional

  22. Slide 22: Detail Kredit Mikro

    EA bank bjb Detail Kredit Mikro

  23. Slide 23: Performa Kredit Mikro

    Performa Kredit Mikro • Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ) Pertumbuhan • Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ • Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ) • NPL 8.8% (+393bps YoY/ +196bps QoQ) • Nilai NPL Rp 484 miliar (+Rp 283bn YoY

  24. Slide 24: Kredit Mikro

    Kredit Mikro Total Micro Loans NPL YoY 6.0 12.0 Indikator Utama 3Q ‘12 3Q ’13 (%) 5.5 5.5 Outstanding 4,117 5,493 33.4 5.0 10.0 5.1 8.8 Ekspansi Neto 1,142 948 -17.0 4.5 (Rp miliar) 4.0 4.1 8.0 Rata-rata 6.9 Outstanding Per 3.6 53 57 7.5 Debitur (Rp tr) (Rp juta) (%) 3.0 5.7 6.0 3.1 2.9 3.0 5.1 4.9

  25. Slide 25: Kredit Mikro Utama

    Kredit Mikro Utama Kredit Mikro Utama (LHS) NPL (RHS) YoY Indikator Utama 3Q ‘12 3Q ’13 4.0 12.0 (%) Outstanding 2,337 3,560 52.3 3.5 3.6 3.6 10.0 9.2 3.2 3.0 Ekspansi Neto 1,134 811 -28.5 (Rp miliar) 2.7 8.0 2.5 Rata-rata 6.7 Outstanding Per 2.3 40 48 20.7 5.9 Debitur (Rp tr) (%) 2.0 6.0 5.4 5.3 (R

  26. Slide 26: Program Pemerintah

    Program Pemerintah Government Program (LHS) NPL (RHS) YoY Indikator Utama 3Q ‘12 3Q ’13 1.4 12.0 (%) 10.2 Outstanding 1,118 1,245 11.4 1.2 1.3 1.2 1.2 10.0 1.1 1.1 1.2 1.1 1.1 Ekspansi Neto 1.1 (26) 89 442.3 1.0 8.4 8.4 (Rp miliar) 1.0 8.0 7.3 Rata-rata 0.8 0.9 Outstanding Per 75 70 -6.7 6.0 Debitur

  27. Slide 27: Kredit Mikro Lainnya

    Kredit Mikro Lainnya Others Micro Loans(LHS) NPL (RHS) YoY Indikator Utama 3Q ‘12 3Q ’13 0.8 12.0 (%) Outstanding 662 688 4.0 0.7 0.7 0.7 10.0 0.7 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.6 Ekspansi Neto 0.6 0.6 34 48 41.2 (Rp miliar) 0.6 8.0 0.5 6.9 Rata-rata Outstanding Per 134 155 15.7 Debitur (Rp juta) (Rp

  28. Slide 28: Kredit Mikro Dalam Perhatian Khusus

    Kredit Mikro Dalam Perhatian Khusus KMU (LHS) Govt Programs (LHS) KMU Govt Programs Others Others (LHS) Special Mention Loans (RHS) 1,200 20 100% 18.4 8 6 6 7 8 9 11 10 9 18.1 13 13 14 12 18 90% 6 3 1,000 22 19 15.6 79 16 20 93 80% 21 25 37 Absolute Special Mention Loans (Rp bn) 43 29 14 39 190 70%

  29. Slide 29: Non Performing Loans Kredit Mikro

    Non Performing Loans Kredit Mikro KMU (LHS) Govt Programs (LHS) Others (LHS) NPL (RHS) KMU Govt Programs Others 600 10 100% 9 6 9 9 10 8.8 90% 19 17 9 27 25 30 30 31 500 33 8 80% 26 29 28 30 6.9 37 7 70% - 0 4 47 400 14 127 Absolute NPL (Rp bn) NPL Contribution (%) 5.7 33 6 60% 23 49 5.1 40 54 4.9 (

  30. Slide 30: Proses Bisnis

    Proses Bisnis • Marketing •Credit Analyst Staff •Officer •Pick up Staff •Customer •Branch/Sub •Supervisi Staff Sales Branch Manager Marketing Processing Collecting Branch/Sub Customer Credit Supervisi Posisi Marketing Officer Branch Pick-up Sales Analyst Kredit Manager 2Q ‘13 2,125 97 434 36 352 464

  31. Slide 31: Kinerja Bisnis Syariah

    Kinerja Bisnis Syariah 3Q13 bank bjb Syariah 31

  32. Slide 32: Ringkasan Kinerja

    Ringkasan Kinerja • Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY) Laba Rugi • Biaya Operasional Rp 175.3 miliar (+30.6% YoY) • Laba Bersih Rp 21.5 miliar (+99.5% YoY) • Total Pembiayaan Rp 3.7 triliun (+52.2% YoY) Neraca • Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY) • Total Aset Rp 4

  33. Slide 33: Rasio Penting

    Rasio Penting Rasio Penting (%) 3Q ‘12 3Q ’13 YoY CAR 25.4% 17.9% -7.5 NPF Gross 4.8% 4.0% -0.8 NPF Nett 3.4% 1.1% -2.3 ROA 0.7% 0.9% +0.2 ROE 2.7% 4.7% +2.0 NIM 7.2% 6.5% -0.7 Expense Ratio (BoPo) 90.5% 85.0% -5.5 FDR 103.5% 104.3% +0.8 33

  34. Slide 34: Laporan Laba Rugi

    Laporan Laba Rugi YoY Laporan Laba Rugi (Rp juta) 3Q ‘12 3Q ’13 (%) Pendapatan Marjin 248,142 374,166 50.8 Biaya Marjin (102,796) (173,693) 69.0 Marjin Bersih 145,346 200,473 37.9 Pendapatan Operasional Lainnya 3,050 5,871 92.5 Biaya Operasional (134,245) (175,315) 30.6 Pendapatan Operasional 14,151

  35. Slide 35: Neraca

    Neraca Neraca Keuangan YoY 3Q ‘12 3Q ’13 (Rp juta) (%) Kas atau Setara Kas 19,681 27,292 38.7 Giro Pada Bank Indonesia 117,016 160,940 37.5 Cadangan Sekunder 608,704 593,264 -2.5 Pembiayaan – Net 2,390,849 3,579,668 49.7 Aktiva Tetap – Net 16,153 156,582 869.4 Aktiva Lainnya 51,435 74,168 44.2 Total

  36. Slide 36: Kinerja Syariah

    Kinerja Syariah Total Financing Total Funding Pembiayaan YoY 3Q ‘12 3Q ’13 4.0 (Rp juta) (%) 3.6 Murabahah – (Trading) 1,118,608 2,140,920 91.4 3.5 3.7 3.5 3.4 Ijarah 15,853 7,497 -52.7 3.4 3.1 Financing 912,290 1,381,162 51.4 3.0 3.0 3.1 Qardh – (Bridging) 395,205 190,345 -51.8 Isthisna – (Pawning)

  37. Slide 37: Profil Perusahaan

    Profil Perusahaan bank bjb 37

  38. Slide 38: Kepemilikan

    Kepemilikan West Java Provincial Government Struktur Kepemilikan 3Q12 3Q13 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

  39. Slide 39: 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,

  40. Slide 40: Jaringan Kantor

    Jaringan Kantor Total bjb employees Others 6,068 Deposits 1.8 Tr Total bjb Loans 1.8 Tr Micro Loans 274.8 bn customers Profit 20.1 bn 2,805,046 46,955 Customers 13 Branch Offices 12 Sub Branch Offices 3 Cash Offices 66 ATM Unit 12 Waroeng bjb 346 Employees Jakarta Deposits 5.9 Tr Loans 4.3 Tr Micro

  41. Slide 41: Detail Jaringan Layanan

    Detail Jaringan Layanan No bjb Network 3Q ‘12 3Q ’13 YoY 1 Cabang 56 62 6 2 Kantor Cabang Pembantu 215 304 89 3 Kantor Kas 114 152 38 4 Payment Point 97 106 9 5 ATM 674 1,052 378 6 Waroeng bjb (A,B & C) 437 562 125 7 Layanan bjb Precious 11 11 - 8 MSME Center 6 6 - 9 Mobile Cash 7 11 4 10 Weekend Ba

  42. Slide 42: Sumber Daya Manusia

    Sumber Daya Manusia Posisi 3Q’12 3Q‘13 YoY Berdasarkan Pendidikan Up to High School Up to Bachelor Degree Dewan Komisaris 5 5 - Masters and Doctorate Direksi 4 4 - Up to Manajemen Puncak 29 34 5 Bachelor Degree Manajemen Madya 196 209 13 95.3% Masters and Manajemen Lini Pertama 1,067 1,336 269 Docto

  43. Slide 43: 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

  44. Slide 44: Penghargaan Tahun 2013

    Penghargaan Tahun 2013 Indonesia Banking Awards – Infobank Awards – Kinerja Keuangan Best Performance Banking 2013 untuk Bank “Sangat Bagus” 2003 - 2012 Kategori BUKU 3 44

  45. Slide 45: Performa Harga Saham

    Performa Harga Saham Volume (RHS) Price (LHS) Investor Relations Group 1400 120 Menara bank bjb 7th Floor Jl. Naripan 12 – 14 1300 Bandung 40111 100 +6222 4234868 ext 7140/7141 1200 ir@bankbjb.co.id 80 Contact Person: 1100 Irwan Riswandi Million Shares Manager Rp/share 1000 60 iriswandi@bankbjb.co.i

  46. Slide 46: Jl. Naripan 12 – 14

    Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868

Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb) — Q3 2013 Earnings Presentation on 6ix