ANALYST MEETING. PT Bank Tabungan Negara (Persero) Tbk. Business & Financial Performances as of June 30, Jakarta, July 25 th 2016
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1 ANALYST MEETING PT Bank Tabungan Negara (Persero) Tbk. Business & Financial Performances as of June 30, 2016 Jakarta, July 25 th 2016
2 Disclaimer IMPORTANT: The following forms part of, and should be read in conjunction with, the other material in this presentation This presentation contains privileged information and has been prepared solely for the recipient(s). By accepting a copy (or the contents) of this presentation, you are deemed to have acknowledged and agreed to the provisions appearing hereinafter. The existence of this presentation and the contents thereof should not be disclosed, reproduced, copied or otherwise disseminated to any other person or published, in whole or in part, without prior consent of PT Bank Tabungan Negara (Persero) Tbk. ( BTN or the Company ). This presentation does not constitute or form part of any offer for sale or invitation, or solicitation of an offer, to subscribe for or purchase any securities and neither this document nor anything contained herein shall form the basis of or be relied on in connection with any contract or commitment whatsoever. Any decision to purchase or subscribe for securities should be made only on the basis of the information contained in a prospectus or offering circular issued by the Company in connection with any such offering. Information and opinions contained in this presentation are provided for reference of the recipients only and are not to be relied upon as authoritative or without the recipient s own independent verification or taken in substitution for the exercise of the recipient s own judgment. Any reference to past performance should not be taken as an indication of future performance. In furnishing the presentation, the Company has not undertaken to provide the recipient(s) with access to any additional information or updates. None of the Company warrant or guarantee whatsoever that this presentation will lead to the successful completion, or consummation, of any transactions whether or not under contemplation. Accordingly the Company disclaims any liability whatsoever in connection therewith and with any decisions that might be taken upon the basis of this presentation, directly or indirectly. In particular, the Company owe no duty to the recipient (except as required by applicable laws) to exercise any judgment on its behalf as to the merits or suitability of any transaction. The recipient agrees that the merits or suitability of any such transaction to its particular situation will be independently determined by the recipient including consideration of the legal, tax, accounting, regulatory, financial and other related aspects thereof. 2
3 Outline Page Macro Economy 4 Progress Updates in 2Q16 8 Performance Overview 12 Sharia Business 35 Appendices 37 3
4 1. Macro Economy 4
5 Updates on Macro Economy Inflation was controlled in June 2016 (1.06% ytd or 3.45% yoy) and is projected within the target of 4±1%. Bank Indonesia will effectively reformulate its policy rate from the BI Rate into the 7-day (Reverse) Repo Rate on 19 th August On 16th June 2016, Bank Indonesia lowered the BI Rate by 25bps to 6.50%, while also cutting the BI 7- day (Reverse) Repo Rate from 5.50% to 5.25%. Economic growth was recorded at 4.92% (yoy) in Q1/2016, decelerating from 5.04% (yoy) in 4Q/2015. It is observed to improve in Q2/2016 and projected to be in the range of % (yoy) in The tax amnesty bill was approved on 28 th June 2016 and is projected to revive the economy through better liquidity, more investment and stronger loan growth. 5
6 Updates on Banking System Loan growth was managed to increase from 8.0% (yoy) in April 2016 to 8.3% (yoy) in May Similarly, deposit growth slightly increased to 6.5% (yoy) in May 2016 from 6.2% (yoy) the month earlier. In order to boost loan growth, Bank Indonesia has eased macro prudential policies including: relaxing the loan-to-value ratio (LTV) on housing loans relaxing partially prepaid loans for property up to the second loan facility raising the floor on the Reserve Requirement - Loan to Funding Ratio (RR-LFR) from 78% to 80% The ratio of non-performing loans (NPL) slightly increased to 3.1% (gross) and 1.5% (net). 6
7 Updates on Housing Industry Residential Property Price Index Residential Property Price Index in 1Q2016 increased to from in 4Q2015. The annual growth of RPPI fell to 4.15% (yoy), but accelerated to 0.99% (qtq). The prices of all house types increased during the reporting period, most notably of small properties (1.27%, qtq). Residential property sales growth during the first quarter of 2016 decelerated to 1.51% (qtq). Weaker property sales were also evidenced by less bank lending, with growth of total outstanding housing loans declining in the first quarter of 2016 to 0.38% (qtq). Growth of Property Sales (% qtq) Source: Bank Indonesia Residential Property Survey for Primary House 7
8 2. Progress Updates in 2Q16 8
9 Bank BTN s Achievement on 1 Million Houses Program Loan Type Target (Unit) Mortgage Disbursed 2016 Approved prior to 2016 Progress as of June 30, 2016 Construction Loans Support in Progress Approved in 2016 Unit IDR Bn Unit IDR Bn Unit IDR Bn Unit IDR Bn Unit IDR Bn Subsidized Mortgage 430,000 76,062 8, ,417 5,470 43,198 1, ,615 7, ,677 15,445 Non Subsidized Mortgage 140,000 24,113 6, ,743 17,550 16,449 2, ,192 19, ,305 26,619 TOTAL 570, ,175 14, ,160 23,020 59,647 4, ,807 27, ,982 42,063 Total Total 9
10 NPL Improvement Progress We have successfully maintained NPL below 4% in 2016 NPL continued to improve to 3.41% from 4.70% in 2Q2015, with special mentioned loans improving to 12.52% from 14.93% in 2Q2015 Coverage ratio was maintained at 40.79% level Loan restructured, collateral sale and intensified collection have sustained to improve asset quality 2016 TARGET Gross NPL <3% Special mentioned loans <10% Maintain first payment default at <0.5% Cut loans in loss category by 50% through collateral sale Improve loan documentation system 10
11 Progress Summary in 2Q16 ASSET EQUITY Asset growth has successfully been managed at 21.52% much higher than industry number of 6.94% (May 2016) Loan growth was 18.39%, driven by housing loans Deposit rose by 17.29% to support loan growth CAR stood at 22.07% Asset revaluation has been conducted with Rp2.97 trn of equity increase Conversion of Rp3 trn borrowings into subordinated loans (tier-2 capital) PROFITABILITY Net profit increased by 25.4%, driven by strong loan growth, asset quality and cost of fund improvement Cost of funds have continued to declined to 6.5%, from 7.25% at the beginning of the year NIM will be maintained at the range of 4.8% to 5% by year end DIGITAL BANKING Bank BTN keeps improving its digital banking performance, with e-commerce & online transportation payment will be shortly launched 82% of customer banking transactions is now using e-banking products & services Users of mobile and internet banking increased by 43% and 375% respectively FEE BASED INCOME Fee income increased by 15.73% (yoy), and is expected to grow by 24-26% for FY2016 Transactions from digital banking, card and wealth management products will be the drivers of fee income growth 11
12 3. Performance Overview 12
13 Financial Highlight (IDR Billion) FY 2011 F Y 2012 F Y 2013 F Y 2014 F Y H H 2016 y.o.y INDU (MAY Total As s et 89, , , , , , , % 6. Total Loan & F inancing 63,564 81, , , , , , % 8. Total Depos its 61,974 80,688 96, , , , , % 6. E quity 7,322 10,279 11,557 12,253 13,860 12,796 17, % Net P rofit 1,119 1,364 1,562 1,146 1, , % 2. E arning per S hare (IDR) % CAR (Tier 1) 14.20% 16.95% 14.91% 14.07% 14.87% 12.72% 16.82% 19 CAR (BI) 15.03% 17.69% 15.62% 14.64% 16.97% 14.78% 22.07% 22 NP L (Gros s ) 2.75% 4.09% 4.05% 4.01% 3.42% 4.70% 3.41% 3. NP L (Nett) 2.23% 3.12% 3.04% 2.76% 2.11% 3.37% 2.23% 1. N I M 5.76% 5.83% 5.44% 4.47% 4.87% 4.73% 4.65% 5. C I R 51.66% 49.71% 50.86% 57.21% 50.08% 55.74% 54.23% COVE R AGE R ATIO 54.11% 29.48% 27.97% 33.77% 43.14% 29.82% 40.79% R OE 17.65% 18.23% 16.05% 10.95% 16.84% 15.62% 16.22% R OA 2.03% 1.94% 1.79% 1.14% 1.61% 1.55% 1.54% 2. LDR % % % % % % % 90 13
14 Balance Sheet (IDR Billion) FY 2011 FY 2012 FY 2013 FY 2014 FY H H 2016 y.o.y Total Assets 89, , , , , , , % Total Earning Assets 81, , , , , , , % - Term Deposit with BI 9,475 10,867 4,834 1,496 7,529 1,826 8, % - Loans and Financing 63,564 81, , , , , , % - Securities 7,846 8,491 12,595 13,684 10,001 14,164 13, % - Other Earning Assets , % Provision on Earning Asset (954) (997) (1,148) (1,581) (2,064) (1,780) (2,093) 17.62% Others 8,675 11,208 14,013 13,972 16,823-14,960-19, % Deposits 61,974 80,688 96, , , , , % Securities Issued 5,438 7,137 8,837 7,939 10,937 10,754 10, % Deposits from Other Banks ,770 3,255 3,029 7, % Repurchase Agreements 4,450 2,335 2,653 3,818 2,135 2,685 3, % Borrowings 5,693 6,734 7,070 6,996 7,725 6,094 8, % Others 3,436 3,834 4,556 5,329 6,151 5,874 6, % Equity 7,322 10,279 11,557 12,253 13,860 12,796 17, % 14
15 Asset Composition Total Assets (IDR Trillion) Assets Composition (%) 15
16 Earning Asset Composition Total Earning Asset (IDR Trillion) Earning Asset Composition (%) 16
17 Loans Composition Loans Type 31-Dec Dec Dec Dec Dec Jun Jun-16 IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares y.o.y Housing Loans 55, % 70, % 87, % 102, % 124, % 112, % 135, % 20.23% Subsidized Mortgages 25, % 25, % 28, % 34, % 43, % 38, % 49, % 31.18% Non-Subsidized Mortgages 18, % 29, % 39, % 45, % 53, % 49, % 57, % 14.88% Other Housing Loans 4, % 6, % 7, % 8, % 8, % 8, % 8, % 0.70% Construction Loan 7, % 9, % 11, % 14, % 18, % 16, % 19, % 21.47% Non-Housing Loans 7, % 11, % 13, % 13, % 14, % 13, % 13, % 2.64% Consumer Loan 1, % 1, % 2, % 2, % 3, % 2, % 3, % 28.96% Commercial Loan 6, % 9, % 10, % 10, % 10, % 10, % 9, % -4.53% Total Loans 63, % 81, % 100, % 115, % 138, % 126, % 149, % 18.39% Gross Loan (IDR Trillion) Housing and Non-Housing Loans (%) Note : Figures on all graphs Include Sharia financing 17
18 Growth in Mortgages Total Mortgages (IDR Billion) Mortgage Composition (%) Subsidized Mortgages (IDR Billion) Non Subsidized Mortgages (IDR Billion) Note : Figures on all graphs Include Sharia financing 18
19 Loan Disbursement IDR Trillion IDR Billion IDR Bio Loans Type FY 2011 FY 2012 FY 2013 FY 2014 FY Months of Housing Loans 18,789 28,041 33,955 34,029 41,812 19,313 21, % Subsidized Mortgages 5,896 4,213 6,506 7,960 12,771 5,245 8, % Non-Subsidized Mortgages 5,340 12,479 14,286 12,629 13,404 6,552 6, % Other Housing 1,540 2,659 2,500 2,416 2,418 1, % Construction Loan 6,013 8,690 10,663 11,023 13,219 6,181 5, % Non-Housing Loans 6,384 9,679 10,338 7,569 9,434 4,064 4, % Consumer Loan 900 1,809 2,389 2,564 4,268 1,502 2, % Commercial Loan 5,484 7,870 7,949 5,005 5,166 2,562 2, % Total Loans 25,173 37,720 44,293 41,598 51,246 23,377 26, % y.o.y Note : Figures on graph and table Include Sharia financing 19
20 Loan Quality (1/2) Gross NPL (%) Net NPL (%) Note : Figures on all graphs Include Sharia financing 20
21 Loan Quality (2/2) Collectibility 31-Dec Dec Dec Dec Dec Jun Jun-16 IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share Current 54, % 68, % 84, % 95, % 116, % 101, % 125, % Special Mentioned 7, % 9, % 12, % 16, % 17, % 18, % 18, % PL 61, % 78, % 96, % 111, % 134, % 120, % 144, % Substandard % % % % % % % Doubtful % % % % % % % Loss 1, % 2, % 3, % 3, % 4, % 4, % 4, % NPL 1, % 3, % 4, % 4, % 4, % 5, % 5, % PL + NPL 63, % 81, % 100, % 115, % 138, % 126, % 149, % NPL Gross 2.75% 4.09% 4.05% 4.01% 3.42% 4.70% 3.41% NPL Netto 2.23% 3.12% 3.04% 2.76% 2.11% 3.37% 2.23% Loan Type 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Jun (Gross) Housing Loans 2.74% 3.93% 3.80% 3.43% 2.79% 4.01% 2.85% Subsidized Mortgage 2.37% 5.00% 5.24% 3.96% 2.48% 4.21% 2.15% Non-Subsidized Mortgage 2.88% 2.90% 2.61% 2.51% 2.57% 3.32% 2.91% Other Housing Loans 2.78% 3.08% 3.17% 3.47% 3.44% 4.63% 3.91% Construction Loan 3.66% 4.74% 4.75% 5.13% 3.81% 5.40% 3.94% Non-Housing Loans 3.14% 5.08% 5.60% 8.51% 9.02% 10.53% 8.97% Consumer Loan 1.30% 2.00% 2.03% 2.55% 2.17% 3.00% 2.42% Commercial Loan 3.60% 5.72% 6.63% 10.16% 11.57% 12.55% 11.34% Total Loans 2.75% 4.09% 4.05% 4.01% 3.42% 4.70% 3.41% Note : Figures on all tables Include Sharia financing 21
22 Liabilities Total Liabilities (IDR Trillion) Funding Composition (IDR Trillion) Funding Composition (%) 22
23 Deposits Total Deposits Mix (IDR Trillion) Deposits FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 Q Q y.o.y Current Account % Savings Account % Time Deposits % Total % CASA Composition (%) 23
24 Equity (1/2) Total Equity (IDR Trillion) CAR - BI (%) 24
25 Equity (2/2) J un 2015 J un 2016 *) Tier - 1 Capital 6,584 9,038 9,879 10,736 12,172 10,866 15,432 Tier - 2 Capital ,721 1,763 4,821 Capital on B/S 7,322 10,279 11,557 12,253 13,860 12,796 17,547 S ecuritization expos ure RWA - Credit Ris k 40,940 46,582 57,749 66,251 70,474 73,792 78,510 RWA - Market Risk RWA - Operational Ris k 5,284 6,557 8,229 9,856 11,185 11,185 12,899 RWA - Total 46,374 53,321 66,262 76,333 81,882 85,441 91,768 CAR Tier 1/(R WA Credit +Market +Ops R is k) 14.20% 16.95% 14.91% 14.07% 14.87% 12.72% 16.82% CAR B/S /(RWA Credit +Market Ris k) 17.82% 21.98% 19.91% 18.43% 19.60% 17.23% 22.25% CAR B/S /(RWA Credit +Market +Ops Ris k) 15.79% 19.28% 17.44% 16.05% 16.93% 14.98% 19.12% CAR BI ((Tier 1+2)/(RWA Credit +Market Ris k)) 16.96% 20.17% 17.84% 16.81% 19.65% 17.01% 25.68% CAR BI ((Tier 1+2)/(RWA Credit +Ops Ris k)) 15.08% 17.75% 15.69% 14.68% 17.01% 14.86% 22.16% CAR B I ((Tier 1+2)/(R WA Credit +Market + Ops R is k)) 15.03% 17.69% 15.62% 14.64% 16.97% 14.78% 22.07% CAR Tier % 5.25% Capital Cons ervation Buffer 0.63% Countercyclical Buffer 0.00% Capital S urcharge (D-S IB) 0.25% *) E quity and CAR calculation have been adjus ted with P BI No.15/12/P BI/2013 on Minimum Capital Requirement for Commercial Banks 25
26 Income Statement (IDR Billion) FY 2011 FY 2012 FY 2013 FY 2014 FY H H 2016 y.o.y Interest Income 7,791 9,106 11,197 13,374 15,567 7,360 8, % Interest Expense (4,000) (4,379) (5,558) (7,893) (8,700) (4,166) (4,786) 14.88% Net Interest Income 3,791 4,726 5,639 5,482 6,867 3,194 3, % Other Operating Income , % Other Operating Expense (2,836) (3,438) (4,301) (4,828) (5,465) (2,562) (2,895) 12.98% Profit From Operating 1,526 1,865 2,136 1,577 2,534 1,151 1, % Non Operating Income (Expense) (3) (8) (3) % Profit Before Tax 1,522 1,857 2,141 1,579 2,542 1,163 1, % Net Profit 1,119 1,364 1,562 1,146 1, , % 26
27 Interest Income Composition (IDR Billion) FY2011 FY2012 FY2013 FY2014 FY2015 1H H 2016 Y.o.Y Placement with Bank Indonesia % Placement with other bank % Securities % Loan 6,735 7,901 9,605 11,353 13,523 6,418 7, % Income from Syariah , % Total 7,791 9,106 11,197 13,374 15,567 7,360 8, % 27
28 Interest Expense Composition (IDR Billion) FY2011 FY2012 FY2013 FY2014 FY2015 1H H 2016 Y.o.Y Bank Indonesia % Deposits from other Banks % Deposits from Non Banks 2,935 3,118 4,082 6,290 6,750 3,244 3, % Securities Issued % Fund Borrowings % Others % Total 4,000 4,379 5,558 7,893 8,700 4,166 4, % 28
29 Other Operating Income Composition (IDR Billion) FY2011 FY2012 FY2013 FY2014 FY2015 1H H 2016 Y.o.Y Marked to market % Gain % Reversal on Provisions % Commissions, Services & Admin Fee *) % Others *) % Total , % *) Reclassified 29
30 Other Operating Expense Composition (IDR Billion) FY2011 FY2012 FY2013 FY2014 FY2015 1H H 2016 Y.o.Y Provisions % Salaries & Employee Benefit ,161 1,260 1, % Electricity, Telp, Office Supp % Others *) % Rent, Service & Maintenance % Depreciation % Promotion % Collector Fees & Consultan % Insurance Premium % Training % Research & Development % Other Taxes % Gain % Marked to Market % Total 2,836 3,438 4,301 4,828 5,465 2,562 2, % *) Reclass, include OJK & BMPD 30
31 Key Financial Ratios (1/4) Net Income (IDR Billion) Net Interest Margin Cost Income Ratio *) Note : *) Reclassified 31
32 Key Financial Ratios (2/4) ROA 1 before tax ROA 2 after tax 1 Calculated based on income before income tax (include tax benefit and extraordinary item)/ average total assets based on Bank Indonesia regulation 2 Calculated based on net profit/average total assets 32
33 Key Financial Ratios (3/4) ROE 3 tier 1 capital ROE 4 balance sheet 15.28% 13.52% 3 Calculated based on net profit/average Tier 1 capital based on Bank Indonesia regulation 4 Calculated based on net profit/total stakeholder s equity 33
34 Key Financial Ratios (4/4) Loan-to-Deposit Ratio Loan-to-Funding Ratio *) Calculated based on SE BI No 17/17/DKMP dated 26 June 2015 Re: Reserve Requirement Calculation for Commercial Banks 34
35 4. Sharia Business 35
36 Sharia Business Sharia Assets (IDR Billion) Sharia Deposits (IDR Billion) Sharia Net Profit (IDR Billion) Sharia Financings (IDR Billion) 36
37 5. Appendices 37
38 Shares Information Share Ownerships Composition as of June 30, 2016 Ownership # of Shares % G O I 6,354,000, % Public 4,236,000, % - Domestic 1,503,703, % - Foreign 2,732,296, % Total 10,590,000, % Public Share Ownerships Period Opening Lowest Highest Closing Average Volume (Lots) PBV (x) BVPS IPO by listed on IDX on 17 December 2009 at IDR800 per share Rights issue successfully done in November 2012 by issuing additional new shares Market cap as of June 30, 2016 was IDR 18.2 Trillion Market Cap (IDR Million) 2Q ,740 1,560 1,885 1, , ,657 18,161,850 2Q ,240 1,070 1,250 1, , ,207 12,575,558 % 40.32% 45.79% 50.80% 44.12% % 5.01% 37.24% 44.42% 38
39 Outlets Sumatera Regional Offices 1 Branch Offices 11 Sub Branch Offices 34 Cash Outlets 58 Sharia Outlets 7 Priority Outlet 6 Post Offices 700 ATMs 240 Kalimantan Regional Offices - Branch Offices 5 Sub Branch Offices 11 Cash Outlets 17 Sharia Outlets 2 Priority Outlet 4 Post Offices 299 ATMs 85 Jawa Regional Offices 2 Branch Offices 38 Sub Branch Offices 161 Cash Outlets 373 Sharia Outlets 40 Priority Outlet 25 Post Offices 1,624 ATMs 1,345 I N D O N E S I A Bali & Nusa Tenggara Regional Offices - Branch Offices 3 Sub Branch Offices 5 Cash Outlets 8 Sharia Outlets - Priority Outlet 2 Post Offices 141 ATMs 46 Sulawesi Regional Offices 1 Branch Offices 5 Sub Branch Offices 13 Cash Outlets 18 Sharia Outlets 2 Priority Outlet 2 Post Offices 126 ATMs 92 Papua & Maluku Regional Offices - Branch Offices 3 Sub Branch Offices 3 Cash Outlets 2 Sharia Outlets - Priority Outlet - Post Offices 61 ATMs Q Q Regional Offices Branch Offices Sub Branch Offices Cash Outlets Sharia Outlets Priority Outlet Total Outlets Post Offices 2,738 2,922 2,922 2,951 2,951 2,951 2,951 ATMs 1,181 1,404 1,504 1,830 1,830 1,830 1,830 Employees 6,337 7,142 8,011 8,582 9,042 8,694 8,987 39
40 THANK YOU Investor Relations PT Bank Tabungan Negara (Persero) Tbk Menara BTN Lt Jl Gajah Mada No. 1 Jakarta Pusat Telp : / Facs: investor_ relations@btn.co.id Website : 40
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