Bigger, Stronger, Better bank bjb. FY2017 Company Report
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1 Bigger, Stronger, Better bank bjb FY2017 Company Report
2 Macroeconomic BI 7 Day Reverse Repo Rate at 6.5% Stable Consumer Confident Index GDP Growth BI Rate Consumer Confidence Index Index (pts) Source: Bloomberg Inflation Reached 3.61% in December Source: Bloomberg IDR Appreciated Againts USD 1mth JIBOR CPI USDIDR 10Yr Govt Bond USD IDR Yield Source: Bloomberg Source: Bloomberg 2
3 Banking Sector 30.0 Loans Growth Growth As of Nov 17, banking sector data shows: Loans +7.66% to Rp4,645 tr (Investment loans +4.50%, working capital +7.47%, consumer loans % ) Deposit 9.83% to Rp5,199 tr (CASA %, Time Deposit %, CASA Ratio 46.22%) NPL -0.29% to 2.89% ROA +0.11% to 2.48% Source: SPI OJK Investment Loans WC Loans Consumer Loans Nov 16 Nov 17 Total Loans 4,314 4, Total Deposit 4,733 5, LDR NPL ROA Source: SPI OJK NIM
4 FY17 bank bjb performance bank only 4
5 Result Summary Income Statement Net Interest Income at Rp 5.9 tr (+3.6% ) PPOP at Rp 2.5 tr (+0.4% ) LLP at Rp 344 bn (-13.8% ) Net Income at Rp 1.6 tr (+1.5% ) Balance Sheet Total Loans at Rp 70.7 tr (+12.0% ) Total Financing at Rp 5.4 tr (+0.9% ) Total Deposits at Rp 81.0 tr (+11.2% ) Total Asset at Rp tr (+13.1% ) Ratios NIM at 6.8% (-64 bps ) ROA (Net) at 1.6% (-17 bps ) ROE (Net) at 15.5% (-208 bps ) NPL (Gross) at 1.51% (-18 bps ) 5
6 Key Ratios Key Ratios FY16 1Q17 2Q17 3Q17 FY17 Profitability ROA (net) ROE (net) Cost Ratios Cost to Income Ratio Expenses Ratio Yield Asset Yield Cost of Fund NIM LDR Asset Quality Special Mention Loans Gross NPL Net NPL Coverage Ratio Provision/Total Loans Capital CAR
7 Income Statement Income Statement (Rp bn) FY16 Positioning FY17 Interest Income 9,873 10, % 801 Interest Expense 4,186 4, % 595 Net Interest Income 5,687 5, % 206 Fee Based Income % 156 Operating Expense 3,975 4, % 314 Gain (Loss) on Financial Statement % (39) PPOP 2,468 2, % 9 Loan Loss Provision % (55) Non Operating Expense % 22 PBT 2,009 2, % 42 Tax Expense % 19 Net Income 1,569 1, % 24 7
8 Balance Sheet Balance Sheet (Rp bn) FY16 1Q17 2Q17 3Q17 FY17 Cash 2,165 1,754 3,376 1,738 2, % Current Account with Bank Indonesia 5,256 5,275 5,385 5,234 5, % Secondary Reserves 20,295 23,211 19,809 24,826 24, % Loans - net 62,492 62,201 67,355 70,002 70, % Fixed Asset - net 2,481 2,472 2,587 2,587 2, % Other Asset 3,134 3,158 3,375 3,372 3, % Total Asset 95,823 98, , , , % Total Third Party Fund 72,828 78,166 79,085 86,550 81, % Marketable Securities Issued 2,312 2,312 2,312 2,312 4, % Fund Borrowings 5,557 5,888 5,895 6,727 7, % Repo 2,671-2, % Others 2,533 2,200 1,656 1,718 3, % Total Liabilities 85,901 88,566 91,861 97,306 97, % Total Equity 9,922 9,505 10,027 10,452 10, % 8
9 Loans Breakdown Consumer Micro Commercial Mortgage 80 Segment (Rp bn) FY16 FY Consumer 44,225 47, % (Rp tr) Micro 3,530 4, % Commercial 10,832 13, % Mortgage 4,557 5, % 30 Total Gross Loans 63,144 70, % Currency (Rp bn) FY16 FY17 0 IDR 62,731 70, % Forex % 9
10 Consumer Loans Civil Servant Loans (LHS) NPL (RHS) Pensioner Loans (LHS) Key Indicators FY16 FY Loans Outstanding 44,225 47, % Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 6,007 2, % % (Rp tr) No of Account 393, , % Interest Rate 14.50%-16.25% eff. p.a Asset Quality FY16 FY Special Mention NPL
11 Micro Loans KMU (LHS) Others (LHS) Govt Program (LHS) NPL (RHS) Key Indicators FY16 FY Loans Outstanding 3,530 4, % Net Expansion (Rp bn) 200 1, % (Rp tr) Avg. Loans Outstanding (Rp mn) % No of Account 31,345 28, % Interest Rate* 8.7% % eff. p.a. Asset Quality FY16 FY17 Special Mention NPL
12 Commercial Loans (Rp tr) Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Key Indicators FY16 FY17 Loans Outstanding 10,832 13, % Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 1,586 2, % 1,944 1, % No of Account 5,573 6, % Interest Rate 8.3% -15.5% eff. p.a Asset Quality FY16 FY17 Special Mention NPL
13 Mortgage Loans 5.60 Mortgage Loans (LHS) NPL (RHS) 15.0 Key Indicators FY16 FY Loans Outstanding 4,557 5, % (Rp tr) Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) % % No of Account 20,116 24, % Interest Rate 7.0% % eff. p.a Asset Quality FY16 FY Special Mention NPL
14 Deposit Breakdown (Rp tr) Current Account Savings Account Time Deposit Deposits Breakdown (Rp bn) FY16 FY17 Current Account 17,130 19, % Saving Account 16,826 17, % Time Deposit 38,871 43, % TOTAL 72,828 81, % CASA Ratio Currency (Rp bn) FY16 FY17 IDR 70,526 80, % Forex 2, % 14
15 Special Mention Loans Consumer (LHS) Commercial (LHS) % to Loans (RHS) Micro (LHS) Mortgage (LHS) Consumer Micro Commercial Mortgage 100% 2, % Absolute Special Mention Loans (Rp bn) 1,800 1,600 1,400 1,200 1, Special Mention/Total Loans Special Mention Contribution 80% 70% 60% 50% 40% 30% 20% 10% 0%
16 Absolute Non Performing Loans Consumer (LHS) Micro (LHS) Consumer Micro Commercial Mortgage 1,800 1,600 Commercial (LHS) % to Loans (RHS) Mortgage (LHS) % 90% 80% Absolute Non Performing Loans (Rp bn) 1,400 1,200 1, Non Performing Loan/Total Loans NPL Contribution 70% 60% 50% 40% 30% 20% 10% 0%
17 Yield Analysis Loans 73.5% Others 1.4% Placement to BI 15.2% Interbank Placement 2.0% Marketable Securities 7.9% Asset Yield FY16 FY17 Placement to Bank Indonesia Interbank Placement Securities Loans Yield Time Deposit 46.2% Interbank Lending 8.4% Bonds 5.1% Savings Account 18.7% Current Account 20.9% Cost of Fund FY16 FY17 Interbank Liabilities Securities Deposits From Customers Current Account Time Deposit Savings Account Loans received
18 Capital Adequacy Risk Weighted Asset (RWA) FY16 FY17 Total Capital to Rp 10.0 tr ( Rp 1.5 Tr ) Total CAR at 18.8% (+34 bps ) Total RWA 46,159 53, % Credit Risk 36,471 42, % Operational Risk 9,157 10, % CAR Analysis Risk Weighting Addition to RWA/ Rp1tr Net Expansion Net Impact to CAR Market Risk % RWA/Total Asset 48.2% 49.1% +0.9% tier-1 8,053 8, % tier , % Total Capital 8,509 9, % Tier-1 CAR 17.4% 15.9% -1.5% Total CAR 18.4% 18.8% +0.4% Consumer Loans 50% Rp 500bn 0.17 Micro Loans 75% Rp 750bn 0.26 Commercial Loans 100% Rp 1tr 0.35 Mortgage Loans 40% Rp 400bn
19 Consumer Loan Details 19
20 Civil Servant Loans Civil Servant Loans (LHS) NPL (RHS) Key Indicators FY16 FY17 Loans Outstanding 36,588 36, % Net Expansion (Rp bn) 2, % (Rp tr) Avg. Loans Outstanding (Rp mn) % No of Account 331, , % Median Interest Rate 14.50%-16.25% eff. p.a Asset Quality Special Mention FY16 FY NPL
21 Pensioner Loans 12 Pensioner Loans (LHS) NPL (RHS) 0.5 Key Indicators FY16 FY Loans Outstanding Net Expansion (Rp bn) 7,637 10, % 3,728 2, % (Rp tr) Avg. Loans Outstanding (Rp mn) % No of Account 62,254 77, % Median Interest Rate Asset Quality 14.50%-18.48% eff. p.a FY16 FY Special Mention NPL
22 Sharia Business Performance FY17 bank bjb Sharia 22
23 Result Summary Income Statement Net Financing Income at Rp 353bn (+2.2% ) Operating Expenses at Rp 900 bn (-58.7% ) Net Loss at Rp 383 bn (-7.5% ) Balance Sheet Total Financing at Rp 5.4 tr (+0.9% ) Total Deposit at Rp 5.9 tr (+9.6% ) Total Asset at Rp 7.7 tr (+3.7% ) Ratios NIM at 4.7% (-48bps ) ROA at -5.7% (+241bps ) ROE at -58.6% (-879bps ) NPF Gross at 22.0%( +413bps ) 23
24 Key Ratios Sharia FY16 FY17 CAR 18.3% 16.3% -2.0% NPF Gross 17.9% 22.0% +4.1% NPF Nett 4.9% 2.8% -2.1% ROA -8.1% -5.7% +2.4% ROE -49.9% -58.6% -8.7% BOPO 122.8% 134.6% +11.8% FDR 98.7% 91.0% -7.7% NIM 5.2% 4.7% -0.5% 24
25 Income Statement Income Statement (Rp mn) FY16 FY17 Financing Income 730, , % Financing Expense 384, , % Net Financing Income 345, , % Other Operating Income 1,285, , % Operating Expense 2,178, , % Operating Income (547,031) (427,940) -21.8% Non Operating Income (Expense) 1,054 5, % Income (Loss) Before Tax (545,977) (422,889) -22.5% Tax Expense 131,263 39, % Net Loss (414,714) (383,427) -7.5% 25
26 Balance Sheet BS highlight (Rp Mn) FY16 FY17 Cash 45,731 52, % Current Account with Bank Indonesia 260, , % Secondary Reserves 2,011,207 2,320, % Financing-net 4,650,936 4,360, % Fixed Asset-net 170, , % Other Asset 302, , % Total Asset 7,441,652 7,713, % Total Third Party Fund 5,453,390 5,977, % Fund Borrowings 346, , % Others 765, , % Total Liabilities 6,565,251 6,885, % Total Equity 876, , % 26
27 Sharia Performance Financing (Rp mn) FY16 FY17 Murabahah (Trading) 4,246,263 4,371, % Qardh (Bridging) 69,017 66, % Financing 1,054, , % Istishna (Pawning) 652 2, % Total Gross Financing 5,370,120 5,416, % Funding (Rp mn) FY16 FY17 Wadiah Current Account 291, , % Wadiah Savings Account 204, , % Mudharabah Current Account 335, , % Mudharabah Savings Account 641, , % Mudharabah Time Deposit 3,981,208 4,520, % Total Funding 5,453,390 5,977, % 27
28 Company Profile 28
29 Branch Network Details No bjb Network 4Q 16 4Q 17 1 Branch Sub Branch Cash Offices Payment Point ATM 1,217 1, Layanan bjb Precious MSME Center Mobile Cash Weekend Banking Forex Branches Total 2,157 2,
30 Human Capital Level 4Q 16 4Q 17 Board of Commissioners Directors Top Management Middle Management First Line Management 1, Staff 5,478 5, Employee in Pension Preparation Total Permanent 7,658 7, Educational Breakdown Master Of Doctorate 6% Age Breakdown % Up To Bachelor Degree 94% Total Non Permanent Total 8,142 8, > 50 2% % % 30
31 Ownership Ownership Structure 3Q16 4Q17 Founder (A Series) West Java Provincial Government 38, West Java Municipal Governments 23, Banten Provincial Government 5, Banten Municipal Governments 7, Public (B Series) 25, Local Retail Local Institution Foreign Retail Foreign Institution
32 2017 Awards Brand Finance & SWA TOP 100 Best Valuable Indonesian Brands SWA Indonesia Best Public Companies 2017 (Rank 4th & Rank 9th Overall) Business News TOP BUMD 2017 Best Over All Indohousing Most Excellent Service Performance Bank for Housing Loan Program Business News TOP BPD 2017 Business News TOP CEO 2017 Infobank Titanium Trophy Bank dengan Kinerja Keuangan Sangat Baik Selama Tahun 2016 SWA Indonesia Original Brand 2017 (Rank 1st) Markplus Silver Champion Bandung WOW Service Excellence Award 2017 (Buku III) 32
33 2017 Awards Annual Report Award Tahun Buku 2016 Annual Report Award Tahun Buku 2016 (Rank 1 st ) Bisnis Indonesia Financial Award 2017 The Best Performing Bank Forbes Indonesia - Best of the Best Awards 2017 TOP 50 Companies (Rank 18 th ) Koran SINDO Apresiasi Inovasi PR Indonesia Best Communicators 2017 SWA The Indonesian Living Legend Companies Tempo The Best Bank in Retail Banking Services Tempo The Most Efficient Bank Tempo The Most Reliable Bank 33
34 2017 Awards Tribute From West Java Province CSR Partner Excellence Service Experience Awards (ESEA) Regular Banking Category AAEI & CSA Intitute One of The Best Stock for Yuk Nabung Saham Program 2017 Markplus.Inc Awards Mr. Ahmad Irfan as Marketing Champion 2017 Ministry of Finance Best Tax Contribution 2016 Galamedia Awards 2017 Housing Tax Initiative Contact Center Service Excellence Awards 2017 Best Call Center Regular Banking Markplus.Inc Awards Mr. Ahmad Irfan as Marketeer of The Year
35 2017 Awards KPK BUMD Dengan Sistem Pengendalian Gratifikasi Terbaik KPK LembagaDengan Tingkat Kepatuhan LHKPN Terbaik Tahun 2017 Forbes Indonesia Best of The Best Award Top 50 Companies 2017 (Rank 18 th ) IICD Corporate Governance Conference & Award Top 50 of The Biggest Market Capitalization Public Listed Companies Top IT Implementation on Payment of Local Government Taxes itech Top Leader in IT Leadership itech RMOL Jabar Golden Company Award Ahmad International Council for Small Business (ICBS) Indonesia Presidential Award 2017 Category Business Practioner 35
36 2017 Awards Warta Ekonomi Best Banking Brand Award 2017 Top 5 Best Consumer Choice Regional Development Bank Warta Ekonomi Indonesia Corporate Secretary Award - Top 10 GCG Issue in Banking Sector Penganugrahan Penghargaan Sebagai Salah Satu WajibPajak Dengan Pemberi Kontribusi Pajak Terbesar Tahun Pajak
37 Share Price Performance 3550 Volume (RHS) Price (LHS) Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan Bandung ext 7140/7141 ir@bankbjb.co.id Contact Person: Sani Ikhsan Maulana IR Head smaulana@bankbjb.co.id Rp/share Million Shares Anjas Septa Lesmana Senior Officer aslesmana@bankbjb.co.id Siti Khairina Wahyujati Officer swahyujati@bankbjb.co.id Trifani Rahayu Staff trahayu@bankbjb.co.id Farizzaka Putra Staff fputra@bankbjb.co.id Source: Bloomberg 37
38 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 informationonly. It is not intendedtothe specific person who may receive thisreport. The informationin thisreport has been obtained from source which we deem reliable. No warranty (expressed or implied) is made to the accuracy or completenessof the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of bank bjb and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither bank bjb and/or its affiliated companiesand/or their respective employeesand/or agents accepts liability for any errors, omissions, negligent or otherwise, in thisreport and any inaccuracy herein or omission here from which might otherwise arise. Menara bank bjb Jl. Naripan th Floor Bandung Telp
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