Bigger, Stronger, Better bank bjb. FY15 Company Report
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- Noah Newton
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1 Bigger, Stronger, Better bank bjb FY15 Company Report
2 Table of Content Pg. 3 Pg. 4 Pg. 5 Pg. 6 Pg. 7 Pg. 8 Pg. 9 Pg. 10 Pg. 15 Pg. 16 Pg. 19 Pg. 21 Pg. 22 Pg. 29 Pg. 35 Macroeconomic Banking Sector Result Summary Target vs. Realization Key Ratios (bank only) Income Statement Balance Sheet Loans Breakdown Deposit Breakdown Asset Quality Yield Analysis Capital Adequacy Consumer Loan Details Subsidiaries Performance Company Profile 2
3 Macroeconomic BI Rate Stable At 7.50% GDP Growth BI Rate Consumer Confident Indonesia Still Falling Consumer Confidence Index Index (points) Source: Bloomberg Indonesia Inflation Rate Slowed In December CPI 1M JIBOR USD IDR Source: Bloomberg IDR Down on Global Economy USDIDR 10Yr Govt Bond Yield Source: Bloomberg Source: Bloomberg 3
4 Banking Sector YoY Growth 40,0 35,0 30,0 25,0 20,0 15,0 10,0 Loans Growth Deposit Growth As of November 15, banking sector data shows: Loans +9.79%YoY to Rp3,983 tr (Investment loans % YoY, working capital +8.19% YoY, consumer loans % YoY) Deposit 7.70% YoY to Rp4,367 tr (CASA +0.42% YoY, Time Deposit +6.74% YoY, CASA Ratio 53.45%) 5,0 - NPL +0.30% YoY to 2.66% ROA -0.54% YoY to 2.33% YoY Growth Source: Bank Indonesia Investment Loans WC Loans Consumer Loans Nov 14 Nov 15 YoY Total Loans 3,627 3, Total Deposit 4,054 4, LDR NPL ROA Source: Bank Indonesia NIM
5 Result Summary Income Statement Net Interest Income at Rp 4.97tr (+11.5% YoY/ +17.3% QoQ) PPOP at Rp 1.9tr (-6.0% YoY/ -5.3% QoQ) LLP at Rp 135bn (-79.6% YoY/ % QoQ) Net Income at Rp 1.38tr (+24.7% YoY/ +83.5% QoQ) Balance Sheet Total Loans at Rp 55.6tr (+12.0% YoY/ +1.5% QoQ) Total Financing at Rp 4.9tr (+13.3% YoY/ -0.4% QoQ) Total Deposit at Rp 67.6tr (+17.1% YoY/ -17.5% QoQ) Total Asset at Rp 88.7tr (+16.9% YoY/ -7.3% QoQ) Ratios (bank only) NIM at 6.3% (-47bps YoY/ +28bps QoQ) ROA (Net) at 1.6% (+10bps YoY/ +20bps QoQ) ROE (Net) at 19.2% (+278bps YoY/ +225bps QoQ) NPL (Gross) at 2.9% (-124bps YoY/ -60bps QoQ) 5
6 Target vs. Realization Target FY 14 1Q 15 2Q 15 3Q 15 FY 15 Loans Growth 13% - 14% Deposit Growth 14% - 15% ROA (net) 1.4% - 1.7% ROE (net) 16% - 19% NIM 6.2% - 6.5% Cost of Fund 5.2% - 5.5% Cost to Income Ratio 60% - 65% Gross NPL 2.5% - 3.0% Credit Cost 0.7% - 1.2% CASA Ratio 55% - 60%
7 Key Ratios (bank only) Key Ratios FY 14 1Q 15 2Q 15 3Q 15 FY 15 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 Credit Cost Capital CAR
8 Income Statement Income Statement (Rp bn) FY 14 Positioning FY 15 YoY YoY Interest Income 8,792 10, % 1,291 Interest Expense 4,330 5, % 778 Net Interest Income 4,462 4, % 513 Fee Based Income % 43 Operating Expense 2,964 3, % 632 Gain (Loss) on Financial Statement % (44) PPOP 1,990 1, % (119) Loan Loss Provision % (528) Non Operating Income % (66) PBT 1,423 1, % 343 Tax Expense % 70 Net Income 1,108 1, % 273 8
9 Balance Sheet Balance Sheet (Rp bn) FY 14 1Q 15 2Q 15 3Q 15 FY 15 YoY Cash 2,768 1,726 2,422 1,890 2, % Current Account with Bank Indonesia 5,178 5,127 7,317 6,606 6, % Secondary Reserves 12,599 24,908 27,415 26,018 18, % Loans net 48,028 48,280 50,951 53,193 54, % Financing net 4,253 4,528 4,880 4,779 4, % Fixed Asset - net % Other Asset 2,372 2,342 2,318 2,504 2, % Total Asset 75,861 87,559 95,941 95,636 88, % Total Third Party Fund 57,741 71,417 82,662 81,900 67, % Marketable Securities Issued 1,722 1,722 1,722 1,723 1, % Fund Borrowings 6,443 5,311 3,097 3,299 8, % Others 2,874 2,333 1,488 1,458 3, % Total Liabilities 68,780 80,783 88,969 88,380 80, % Total Equity 7,082 6,776 6,972 7,256 7, % 9
10 Loans Breakdown (bank only) 60 Consumer Micro Commercial Mortgage Segment (Rp bn) FY 14 FY 15 YoY (Rp tr) ,9 4,1 3,5 2,9 7,0 7,0 6,1 2,3 6,5 1,7 5,8 5,2 5,4 6,3 5,5 5,5 5,1 4,5 22,6 24,5 26,7 27,9 28,9 29,9 4,3 6,8 5,1 31,5 4,5 4,3 4,4 4,5 7,6 7,2 6,8 6,3 3,9 4,2 4,8 4,5 4,5 4,5 9,2 9,2 3,6 3,3 32,7 33,6 34,7 36,2 37,2 38,2 Consumer 33,579 38, % Micro 4,505 3, % Commercial 6,850 9, % Mortgage 4,444 4, % Total Gross Loans 49,378 55, % Currency (Rp bn) FY 14 FY 15 YoY 0 IDR 49,208 55, % Forex % 10
11 Consumer Loans 45 Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) 1,0 Key Indicators FY 14 FY 15 YoY ,64 2,79 3,19 3,56 3,91 0,9 0,8 Loans Outstanding 33,579 38, % Net Expansion (Rp bn) 4,722 4, % (Rp tr) ,80 21,8 1,11 23,4 2,21 2,02 1,74 1,46 25,3 26,1 26,8 27,7 2,41 29,1 2,52 30,2 30,9 31,9 33,0 33,7 34,3 0,7 0,6 0,5 0,4 0,3 0,2 Avg. Loans Outstanding (Rp mn) % No of Account 350, , % Interest Rate 15.00%-18.45% % eff. p.a Asset Quality FY 14 FY 15 YoY 5 0,1 Special Mention ,0 NPL
12 Micro Loans KMU (LHS) Govt Program (LHS) Others (LHS) NPL (RHS) Key Indicators FY 14 FY 15 YoY 6,0 30,0 Loans Outstanding 4,505 3, % 5,0 0,6 0,7 0,7 0,7 0,6 0,7 25,0 Net Expansion (Rp bn) (848) (1,176) -38.7% 4,0 0,6 1,2 1,3 1,2 1,3 1,3 1,3 0,8 0,9 0,9 20,0 Avg. Loans Outstanding (Rp mn) % (Rp tr) 3,0 2,0 1,0 1,2 2,7 3,2 3,6 3,6 3,4 3,3 3,1 1,2 2,7 1,2 2,4 1,1 2,2 1,1 0,9 1,9 1,1 0,8 1,7 1,3 0,6 1,4 15,0 10,0 5,0 No of Account 80,002 51, % Interest Rate* 11.0% % eff. p.a. Asset Quality FY 14 FY 15 YoY Special Mention ,0 NPL *Kredit Mikro Utama 12
13 Commercial Loans Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Key Indicators FY 14 FY 15 YoY 10,0 15,0 Loans Outstanding 6,850 9, % 9,0 8,0 1,4 1,4 14,0 13,0 12,0 Net Expansion (Rp bn) (139) 2,396 - (Rp tr) 7,0 6,0 5,0 4,0 3,0 2,0 1,0 0,8 1,0 4,5 0,8 1,2 3,9 0,9 1,3 4,3 1,0 1,0 1,3 1,5 4,8 4,5 1,1 1,4 3,5 1,2 1,5 4,2 1,1 1,5 4,5 1,3 1,6 4,0 1,3 1,6 3,3 1,4 1,7 4,5 1,7 1,8 6,0 6,0 11,0 10,0 9,0 8,0 7,0 6,0 5,0 4,0 3,0 2,0 1,0 Avg. Loans Outstanding (Rp mn) 1,044 1, % No of Account 6,563 6, % Interest Rate 6.3% -14.5% eff. p.a Asset Quality FY 14 FY 15 YoY Special Mention NPL
14 Mortgage Loans 5,0 Mortgage Loans (LHS) NPL (RHS) 15,0 Key Indicators FY 14 FY 15 YoY (Rp tr) 4,5 4,0 3,5 3,0 2,5 2,0 1,5 1,7 2,3 2,9 3,5 3,9 4,1 4,3 4,3 4,4 4,5 4,5 4,5 4,5 14,0 13,0 12,0 11,0 10,0 9,0 8,0 7,0 6,0 5,0 4,0 Loans Outstanding 4,444 4, % Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) % % No of Account 17,180 18, % Interest Rate 7.3% % eff. p.a. 1,0 0,5-3,0 2,0 1,0 - Asset Quality FY 14 FY 15 YoY Special Mention NPL
15 Deposit Breakdown (bank only) Current Account Savings Account Time Deposit Deposits Breakdown (Rp bn) FY 14 FY 15 YoY (Rp tr) ,7 37,4 31,3 28,5 28,0 29,8 19,0 26,6 27,0 32,5 18,6 24,3 22,6 9,8 10,2 9,7 9,5 12,4 9,0 14,3 7,6 8,2 11,8 8,9 8,7 7,1 14,5 15,5 17,4 21,8 23,9 25,6 27,9 29,5 21,5 18,2 16,4 16,6 18,6 Current Account 21,526 18, % Saving Account 12,426 14, % Time Deposit 19,039 29, % TOTAL 52,992 62, % CASA Ratio Currency (Rp bn) FY 14 FY 15 YoY IDR 52,719 61, % Forex 273 1, % 15
16 Asset Quality Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS) 90 Gross NPL (Bank only) FY 14 FY 15 YoY Write Off 2015 (Rp bn) Consumer Micro (Rp bn) Commercial Mortgage Total Gross NPL Net NPL 4,5 4,1 4,2 4,0 4,1 4,0 3,8 3,6 3,5 3,5 2,8 2,9 3,0 2,5 2,5 2,3 2,1 2,1 2,0 1,5 1,3 1,1 1,0 1,0 1,1 0,8 0,7 0,5 0,6 0,6 0,6 0,7 0,9 1,0 0,5 0,0 16
17 Special Mention Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) ,5 100% Consumer Micro Commercial Mortgage ,0 90% Absolute Special Mention Loans (Rp bn) ,5 3,0 2,5 2,0 1,5 1,0 0,5 Special Mention/Total Loans Special Mention Contribution 80% 70% 60% 50% 40% 30% 20% 10% %
18 Non Performing Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) ,5 4,0 3,5 100% 90% 80% Consumer Micro Commercial Mortgage Absolute Net Performing Loans (Rp bn) ,0 2,5 2,0 1,5 1,0 0,5 - Net Performing Loan/Total Loans NPL Contribution 70% 60% 50% 40% 30% 20% 10% 0%
19 Yield Analysis Loans 69% Others 1% Placement to Bank Indonesia 6% Interbank Placement 3% Asset Yield FY 14 FY 15 Placement to Bank Indonesia Interbank Placement Securities Marketable Securities 21% Loans Yield Others Time Deposit 41% Interbank Lending 5% Bonds 7% Cost of Fund FY 14 FY 15 Interbank Liabilities Securities Current Account 26% Deposits From Customers Current Account Time Deposit Savings Account 20% Savings Account Loans received
20 Customer Based Consumer Micro Commercial Mortgage Government Corporate Retail 100% 100% 1,5 1,9 2,3 2,7 3,1 3,3 3,5 3,6 3,8 3,9 4,0 4,1 4,2 2,4 2,0 2,2 2,1 1,9 1,4 1,7 1,9 1,4 1,1 1,4 1,6 1,4 90% 90% 80% 18,7 19,9 20,7 20,8 20,7 20,4 19,6 18,6 17,6 16,4 14,8 13,5 11,7 80% 70% 70% Lending Proportion 60% 50% 40% 77,4 76,2 74,8 74,3 74,3 74,9 75,2 75,9 77,2 78,6 79,9 80,8 82,6 Funding Proportion 60% 50% 40% 84,3 84,5 84,3 86,6 92,0 91,8 92,0 91,8 90,9 90,5 90,2 90,2 90,7 30% 30% 20% 20% 10% 0% 10% 0% 14,5 14,4 14,8 12,6 7,6 7,7 7,6 7,8 8,6 9,0 9,2 9,3 8,7 1,2 1,2 0,9 0,8 0,4 0,4 0,4 0,4 0,5 0,5 0,5 0,5 0,6 20
21 Capital Adequacy Risk Weighted Asset (RWA) FY 14 FY 15 YoY Total Capital to Rp 6.7tr ( +Rp 991bn YoY) Total CAR at 16.2% (+14bps YoY) Total RWA 35,818 41, % Credit Risk 27,431 32, % Operational Risk 7,204 8, % CAR Analysis Risk Weighting Addition to RWA/ Rp1tr Net Expansion Net Impact to CAR Market Risk 1,183 1, % RWA/Total Asset 51.0% 50.2% -0.8% tier-1 5,732 6, % Consumer Loans 50% Rp 500bn 0.19 Micro Loans 75% Rp 750bn 0.29 tier Total Capital 5,754 6, % Tier-1 CAR 16.0% 15.2% -0.8% Total CAR 16.1% 16.2% +0.1% Commercial Loans 100% Rp 1tr 0.38 Mortgage Loans 40% Rp 400bn
22 Consumer Loan Details 22
23 Consumer Division Performance Growth Overall Consumer Loans at Rp 38.2 tr (+13.8% YoY/ +2.6% QoQ) Net Expansion of +Rp 4.6 tr YoY/ +977 bn QoQ Consumer Loans portfolio contribution total loans at 69.1% (+111bps YoY/ +77bps QoQ) Number of Customers 364,827 Accounts (+14,381 YoY/ +1,814 QoQ) Quality Overall NPL at 0.09% (+1bps YoY/ -2bps QoQ) Absolute NPL at Rp 34 bn (+5bn YoY/ -7bn QoQ) Special Mention Loans at 0.26% (+11bps YoY/ -3bps QoQ) Absolute Special Mention Loans at Rp 101 bn (+48bn YoY/ -8bn QoQ) 23
24 Consumer Loans 45 Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) 1,0 Key Indicators FY 14 FY 15 YoY ,64 2,79 3,19 3,56 3,91 0,9 0,8 Loans Outstanding 33,579 38, % Net Expansion (Rp bn) 4,722 4, % (Rp tr) ,80 1,11 1,46 1,74 2,02 2,21 2,41 2,52 0,7 0,6 0,5 Avg. Loans Outstanding (Rp mn) % No of Account 350, , % ,8 23,4 25,3 26,1 26,8 27,7 29,1 30,2 30,9 31,9 33,0 33,7 34,3 0,4 0,3 0,2 Interest Rate 15.00%-18.45% % eff. p.a Asset Quality FY 14 FY 15 YoY 5 0,1 Special Mention ,0 NPL
25 Civil Servant Loans 40 Civil Servant Loans (LHS) NPL (RHS) 0,5 Key Indicators FY 14 FY 15 YoY ,8 23,4 25,3 26,1 26,8 27,7 29,1 30,2 30,9 31,9 33,0 33,7 34,3 0,4 0,3 Loans Outstanding 30,938 34, % Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 4,099 3, % % (Rp tr) 20 No of Account 316, , % 15 0,2 Median Interest Rate 15.00%-18.45% % eff. p.a ,13 0,12 0,11 0,11 0,12 0,11 0,11 0,10 0,08 0,09 0,10 0,11 0,08 0,1 Asset Quality Special Mention FY 14 FY 15 YoY ,0 NPL
26 Pensioner Loans Pensioner Loans (LHS) NPL (RHS) 0,2 Key Indicators FY 14 FY 15 YoY Loans Outstanding 2,641 3, % , Net Expansion (Rp bn) 623 1, % (Rp tr) ,12 0,12 0, , , ,12 0,11 0,12 0, ,08 0,09 0,10 0,1 Avg. Loans Outstanding (Rp mn) % No of Account 33,527 41, % Median Interest Rate 15.00%-18.45% % eff. p.a ,0 Asset Quality Special Mention FY 14 FY 15 YoY NPL
27 Special Mention Loans Absolute Special Mention Loans +89.5% YoY Pensioner Loans Contribution +10.3% YoY 120 Civil Servant Loans (LHS) Special Mention Loans (RHS) Pensioner Loans (LHS) 0,5 100% 90% 12,9 Civil Servant Loans Pensioner Loans 8,3 10,3 10,5 12,8 12,8 13,8 15,1 15,2 11,8 13,6 20,2 25,5 Absolute Special Mention Loans (Rp bn) ,9 0,2 5,6 0,3 6,5 0,2 5,7 0,2 8,1 8,5 0,2 0,2 11,6 0,3 10,6 0,2 8,1 0,2 8,6 0,2 12,6 0,3 22,0 0,3 25,7 0,3 0,4 0,3 0,2 Special Mention Loans Special Mention Laons Contribution 80% 70% 60% 50% 40% 30% 87,1 91,7 89,7 89,5 87,2 87,2 86,2 84,9 84,8 88,2 86,4 79,8 74,5 20 0,1 20% 10% 0 39,8 61,3 56,2 48,3 55,6 58,3 72,4 59,8 45,1 64,0 80,2 87,0 75,2-0% 27
28 Non Performing Loans Consumer Loans Absolute NPL Loans +17.5% YoY Pensioner Loans Contribution +3.9 % YoY Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) Civil Servant Loans (LHS) Pensioner Loans (LHS) 45 0,5 100% 40 90% 4,1 4,1 3,9 5,2 7,2 6,6 8,5 8,7 9,9 10,2 10,4 11,0 13,8 Absolute NPL (Rp bn) ,2 1,3 1,1 1,6 2,4 2,2 3,0 2,9 2,8 3,3 4,0 4,4 34,3 35,6 4,6 0,4 0,3 0,2 NPL NPL Contribution 80% 70% 60% 50% 40% 95,9 95,9 94,8 96,1 92,8 93,4 91,5 91,3 90,1 89,8 89,6 89,0 86, ,1 29,0 28,1 29,7 31,3 30,7 32,0 30,3 25,7 29,2 28,9 30% ,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 0,1 20% 10% 0 0,0 0% 28
29 Sharia Business Performance FY15 bank bjb Sharia 29
30 Result Summary Income Statement Net Financing Income at Rp 327bn (+32.7% YoY) Operating Expenses at Rp 459bn (+27.6% YoY) Net Income (Loss) at Rp 7.2 bn (-68.3% YoY) Balance Sheet Total Financing at Rp 4.9tr (+13.3% YoY) Total Deposit at Rp 4.7tr (+1.7% YoY) Total Asset at Rp 6.4tr (+5.8% YoY) Ratios NIM at 5.68% (-80bps YoY) ROA at 0.25% (-47bps YoY) ROE at 0.92% (-197bps YoY) NPF Gross at 6.93% (+102bps YoY) 30
31 Key Ratios Sharia FY 14 FY 15 YoY CAR NPF Gross NPF Nett ROA ROE NIM BOPO FDR
32 Income Statement Income Statement FY 14 FY 15 YoY Financing Income 593, , % Financing Expense 346, , % Net Financing Income 246, , % Other Operating Income 149, , % Operating Expense 359, , % Operating Income 35,536 15, % Non Operating Income (Expense) (5) (963) - Income Before Tax 35,531 14, % Tax Expense 12,788 7, % Net Income (Loss) 22,743 7, % 32
33 Balance Sheet (Rp Mn) FY 14 FY 15 YoY Cash 34,252 40, % Current Account with Bank Indonesia 208, , % Secondary Reserves 1,294,577 1,017, % Financing-net 4,252,679 4,783, % Fixed Asset-net 160, , % Other Asset 140, , % Total Asset 6,090,945 6,444, % Total Third Party Fund 4,622,232 4,702, % Fund Borrowings 14,440 15, % Others 815, , % Total Liabilities 5,452,194 5,396, % Total Equity 638,751 1,047, % 33
34 Sharia Performance Financing FY 14 FY 15 YoY Murabahah (Trading) 2,958,627 3,737, % Qardh (Bridging) 95,664 72, % Financing 1,292,787 1,112, % Istishna (Pawning) 4,748 3, % Total Gross Financing 4,351,826 4,926, % Funding FY 14 FY 15 YoY Wadiah Current Account 223, , % Wadiah Savings Account 145, , % Mudharabah Savings Account 518, , % Mudharabah Time Deposit 3,734,988 3,602, % Total Funding 4,622,233 4,702, % 34
35 Company Profile bank bjb 35
36 Ownership Ownership Structure FY14 FY15 Founder (A Series) West Java Provincial Government 38,26 38,26 West Java Municipal Governments 23,61 23,61 Banten Provincial Government 5,37 5,37 Banten Municipal Governments 7,76 7,76 Public (B Series) 25,00 25,00 Local Retail 4,15 6,24 Local Institution 6,06 7,26 Foreign Retail 0,01 0,02 Foreign Institution 14,78 11,48 36
37 Road Map To Build Sustainable Growth And Excellent Performance Bank Build Strong Foundation Quality Growth A Bank With Excellent Performance And Services Ready For Asean Economic Community (AEC) Strategy Strategy Strategy Increasing Deposit Market Share Improving Loans Quality And Distribution Increasing Capital Adequacy Developing Support Functions : o Enhancing Information Technology, Network And Services o Improving Human Capital o Widening Services Policy o Improving Cost Control o Implementing Risk Management And Credit Risk Principles o Enhancing Audit Function, Legal And Compliance o Improving Corporate Secretary Function o Increasing Performance Of Subsidiaries 37
38 Distribution Network Others Deposits 1,9 Tr Loans 4,0 Tr Micro Loans 571 bn Profit 123 bn 53,075 Customers 13 Branch Offices 13 Sub Branch Offices 4 Cash Offices 95 ATM Unit 25 Waroeng bjb 396 Employees Total bjb employees 7,359 Total bjb customers 4,246,217 Jakarta Deposits 12,6 Tr Loans 6,9 Tr Micro Loans 251 bn Profit 169 bn 78,991 Customers 9 Branch Offices 58 Sub Branches 5 Cash Offices 1 Payment Point 118 ATM Unit 16 Waroeng bjb 540 Employees Banten Deposits 10,6 Tr Loans 7,7 Tr Micro Loans 315 bn Profit 939 bn 828,516 Customers 8 Branch Offices 45 Sub Branches 48 Cash Offices 39 Payment Point 204 ATM Unit 94 Waroeng bjb 784 Employees West Java Deposits 37,6 Tr Loans 36,6Tr Micro Loans 2,2 Tr Profit West Java 3,6 Tr Loss Head Oficce 3,1 tr 3,285,635 Customers 32 Branch Offices 196 Sub Branch 260 Cash Offices 91 Payment Point 791 ATM Unit 308 Waroeng bjb 5,639 Employees 38
39 Branch Network Details No bjb Network FY 14 FY 15 YoY 1 Branch Sub Branch Cash Offices Payment Point ATM 1,191 1, Waroeng bjb (A,B & C) Layanan bjb Precious MSME Center Mobile Cash Weekend Banking Forex Branches Total 2,604 2,
40 Human Capital Level FY 14 FY 15 YoY Educational Breakdown Board of Commissioners Directors Top Management Middle Management First Line Management 1,677 1, Staff 5,086 5, Up to Bachelor Degree 95% Up to high School 0% Master of Doctorate 5% Employee in Pension Preparation Total Permanent 7,034 7, Age Breakdown % Micro 1, ,745 Others 2,691 2, Total Non Permanent 4,436 2,852-1,584 Total 11,470 10,222-1, % % > 50 1% 40
41 2015 Awards Brand Finance Plc Brand Rating & SWA Ranked 43 rd Most Valuable Indonesia Brand 2015 Markplus WOW Brand Award 2015 Best Champion Of Bandung Category Conventional Bank (BUKU III) Tribute From OJK - Annual Report Award Year Ended nd Best Regional Company Listed IICD - Corporate Governance & Award Top 50 Public Listed Companies Markplus WOW Brand Award 2015 Best Champion Of Bandung Category Saving Account (BUKU III) Tribute From Bank Indonesia - Annual Report Award Year Ended nd Best Regional Company Listed Ministry of Finance Awards Best Taxpayer for West Java Region Corruption Eradication Commission Awards Best Gratification Control Unit For Regional Owned Enterprises
42 2015 Awards Indonesia Property & Bank Award X 2015 Infobank Banking Service Excellence Award st Best SMS Banking Conventional Banking Category MNC Business Award 2015 Best Listed Regional Bank Infobank Award Best Financial Performance Best Of The Best Annual Report Award Year Ended nd Best Regional Company Listed Markplus WOW Brand Award Gold Champion Category Time Deposit By Conventional Bank (BUKU III) 42
43 Share Price Performance Volume (RHS) Price (LHS) Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan Bandung ext 7140/7141 ir@bankbjb.co.id Rp/share Million Shares Contact Person: Muhammad As adi Budiman Group Head mbudiman@bankbjb.co.id Ari Budiman Manager abudiman@bankbjb.co.id Indra Maulana Senior Officer inmaulana@bankbjb.co.id Anjas Septa Lesmana Officer aslesmana@bankbjb.co.id Simon Sihol Panggabean Staff spanggabean@bankbjb.co.id Source: Bloomberg 43
44 Menara bank bjb Jl. Naripan th Floor Bandung Telp
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