2Q Corporate Presentation PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk

Transcription

1 2Q Corporate Presentation PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk Disclaimer: This report has been prepared by PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk, (Bank BJB) independently and is circulated for the purpose of general information only, It is not intended to the specific person who mayreceive this report, The information in this report has been obtained from sources which we deem reliable, No warranty (expressed or implied) is made to the accuracy or completeness of 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 companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise, 1

2 Table of Contents Ownership Board of Commissioners Board of Directors Strategy Distribution Network Income Statement Highlight Balance Sheet Highlight Financial Highlight Key Indicators Loans Breakdown The Big 5 Debtors Deposits Breakdown Human Capital Achievements 2

3 Ownership A Series 75,00% West Java Provincial Goverment 38,26% West Java Municipal Governments 23,61% Banten Provincial Government 5,37% Banten Municipal Governments 7,76% B Series 25,00% 100,00% B Series Breakdown Ownership Shares % Local 73.53% Local Retail 898,730, % EMSA 53,099, % Cooperatives 260, % Foundations 16,186, % Pension Funds 216,757, % Insurances 277,757, % LLC 77,180, % Mutual Funds 242,418, % Foreign 26.47% Foreign Retail 3,366, % Foreign Institutional 638,318, % B Series Total 2,424,072,500 3

4 Board of Commissioners Agus Ruswendi, President Commissioner Past experiences : President Director bank bjb ( , Director of Funding & Services bank bjb ( ), Head of Treasury bank bjb ( ), Head of Branch bank bjb, Jakarta ( ) and Head of Branch bank bjb, Serang ( ), Muhadi, Commissioner Past experiences include Commissioner of bank bjb( - Present), Banten Provincial Secretary ( - Present), Caretaker of Banten Provincial Secretary (), Head of Service - Management and Asset of Provincial Banten () and Head of Service - Revenue of Provincial Banten ( - ), Achmad Baraba, Independent Commissioner Past experiences include Independet Commissioner of bank bjb( - Present), Member of Syariah Banking Development Committee at Bank of Indonesia ( Present), Director Senior Manager at Ernst & Young ( ), Member of Fit and Proper Test Team at Bank of Indonesia ( ) dan Oversight Director at Bank Muamalat Indonesia ( ), Klemi Subiyantoro, Independent Commissioner Past experiences include Independent Commissioner of bank bjb( - Present), Independent Commissioner of PT Adhi Karya (Persero) Tbk ( - ), Head of Audit Committee of PT Adhi Karya (Persero) Tbk ( - ) and Member of Audit Committee of PT Semen Gresik (Persero) Tbk ( - ), Yayat Sutaryat, Independent Commissioner Past experiences include Independent Commissioner of Citra Bangun Selaras (- Present), Head of Regional Management Financial Kab. Bandung ( - ), Head of Regional Financial Administration Kab. Bandung ( ), 4

5 Board of Directors Bien Subiantoro President Director Since July 2011 Previously: Senior Advisor Bank Mandiri, Managing Director of BNI Entis Kushendar Director Since July 2011 Previously: Commercial Banking Director of bank bjb, Division Head of General Administration bank bjb Zaenal Aripin Director Since July 2011 Previously: Division Head of Strategic Planning bank bjb, Head of Change Management Office bank bjb Bambang Mulyo A. Director Since July 2011 Previously: Division Head of General Administration bank bjb, Division Head of Consumer Loan bank bjb Arie Yulianto Director Since July 2011 Previously: Division Head of Micro Banking bank bjb, Division Head of Legal, Compliance and Risk Management bank bjb Shahyohan Johnny Azis Director Since July 2011 Previously: Division Head of Network and Services BNI, Division Head of International BNI 5

6 Road Map A Strong Sustainable Growth and Profitable National Bank Building/Establishment New Infrastructures Strategy HR Competence, IT Infrastructure, and organization for : o Micro Financing, SME o Consumer / commercial Banking o Treasury/ International o Subsidiaries Leading in Service A National Bank As One of the Big 10 Banks Leading in Service and Performance Strategy Match with the Big 10 Banks / peer in areas : o HR competence/ IT o Services o Bank bjb `incorporated`: Syariah, Insurance, Securities Strategy Leading in Service and Performance National Bank 6

7 Sustainable Growth and Profitable Business and Strategic Alliances Corporate, SME / Micro Financing o Organizations and competence HR o Technology and Infrastructure Micro Financing (Electronic Loan Processing system and Loan Factory Operations ), Micro/ SME Centers o Strategic alliance with cooperatives, rural bank, and college o Alliances and acquisitions MSME Financial Institutionss Commercial and Institutional Banking Consumer Loans o Infrastructure and Cash Management System for Business Institutions /governments o Organization, Corporates and Commercials loan process o Risk Management and debtor rating system o Organization and competence HR o Strengthening and developing employee loans, Kredit Multiguna o Electronic Loan Processing System,Loan Factory Operations and consumer Loan Centers o Aliances and acquisitions Finance Company Consumer Deposit o Rebranding, branch expansion and service excellence o Product Rebranding Saving Product, Time Deposit, Current Account o Agresive Sales and Promotion Saving and Current Account Treasury and International Subsidiaries Company o Facilitate International and domestic investors on West Java and Banten o Organization Development, System, and technology for Trade finance, Remittances, Dealing room o Strategic Alliances with coresponden Bank Remittance Agencies o Keeping sustainable growth on subsidiaries company o Developing, acquisitions insurance company, bancassurance, Securities Support Strategy Risk Capital Committee RCC Human Capital IT Operations Lahir, tumbuh dan dibesarkan di Jawa Barat dan Banten, Kini kami melayani penjuru negeri Distribution Network Risk Management & Compliance Accounting and Financial Reporting Corporate Secretary

8 Support Strategy Risk and Capital Committee Credit Policy Committee (CPC) Assets and Liability Committee (ALCO) Risk Management Committee (RMC) Distribution Network Branch and ATMs Service Improvement Branch and ATMs Expansion and relocation Human Capital Policy and Implementations of recruitment, career path and job grading Reward and Punishment System Accounting and Treasury And Reporting System International Accuratively, Timely Accounting and Reporting System comply with regulation MSME Center Expansion Lahir, tumbuh dan dibesarkan di Jawa Barat dan Banten, Kini kami melayani penjuru negeri Information Technologi Core Banking System Development Surrounding system strengthening as well as bank business growth Risk Management and Compliance Build Risk Management Policy and Risk Culture Build Risk Management System comply with Basel III Compliance Policy Operations Build Central Operations Straight Thru Processing (STP) Build e-banking operations and Trade Processing Center Corporate Secretary Build communications infrastructure with Investors, Media, and build corporate image.

9 Distribution Network Bank bjb Distribution Network June Branches 174 Sub Branches 46 Cash Outlet 54 Payment Points 7 Mobile Cash 432 ATMs Branches Outside West Java & Banten are located in: Jkt - Arthaloka Semarang Surabaya Jkt - Rawamangun Batam Medan Denpasar Jkt - Kebayoran Baru Makasar Pekanbaru Tegal Jkt - Hasyim Ashari Balikpapan Jkt Mangga Dua Branches Expansion Plan Year 2011 Palembang (South Sumatera) Bandarlampung (Sumatera) Banjarmasin (South Kalimantan) Solo (Central Java) 9

10 Income Statement Highlight Income Statement Highlight Interest Income Interest Expense Net Interest Income Other Operating Income Other Operating Expense Net Other Operating Income Non Operating Income Non Operating Expense Net Non Operating Income Profit Before Tax Net Profit Q Q2 YoY (%) FY 2,817,409 2,237, % 4,894,312 (1,352,085) (961,077) 40.68% (2,254,731) 1,465,324 1,276, % 2,639, , ,221 (15.41%) 277,712 (982,339) (814,793) 20.55% (1,726,755) (767,200) (560,572) 36.86% (1,449,043) 30,516 12, % 29, ,516 12, % 29, , , % 1,219, , ,592 (0.29%) 890,171 10

11 Balance Sheet Highlight Balance Sheet Highlight Q FY Q2 YtD (%) YoY (%) Total Asset 49,326,302 43,445,700 40,239, % 22.58% Lending 47,561,410 41,585,564 38,572, % 23.30% - Loans & Financing 26,605,351 23,669,719 21,450, % 24.03% - Placement at BI and other Bank 15,156,402 15,467,809 11,813,494 (2.01%) 28.30% 5,764,443 2,412,821 5,275, % 9.27% 35,214 35,215 33, % 3.76% Funding 43,409,886 37,065,628 36,103, % 20.24% Third Party Deposits 36,227,134 31,953,462 32,738, % 10.66% - Current Account 10,029,756 7,610,326 10,808, % (7.21%) - Saving Account 4,192,583 4,876,717 3,526,694 (14.03%) 18.88% - Time Deposits 22,004,795 19,466,419 18,402, % 19.58% Others Deposit 7,182,752 5,112,166 3,365, % % - Deposits form Others Bank 3,429,637 3,353,645 1,606, % % - Bond Issued 3,741,335 1,745,936 1,745, % % 11,780 12,585 14,010 (6.40%) (15.92%) 4,963,382 4,990,993 3,170,298 (0.55%) 56.56% - Marketable Securities incl SBI - Equity Participaiton - Fund Borrowing Equity 11

12 Financial Highlight Financial Highlight Q FY Q2 YtD (%) YoY (%) Total Asset (Rp, Mio) 49,326,302 43,445,700 40,239, % 22.58% Total Loans (Rp, Mio) 26,605,351 23,669,719 21,450, % 24.03% Total Deposits (Rp, Mio) 36,227,134 31,953,462 32,738, % 10.66% Equity (Rp, Mio) 4,963,382 4,990,993 3,170,298 (0.55%) 56.56% 544, , ,592 Net Profit (Rp, Mio) CAR Tier I 19.21% % 22.85% 22.64% (0.29%) 15.77% % NPL Gross 2.41% 1.86% 1.86% NIM 6.77% 7.32% 7.74% BOPO 75.47% 76.60% 70.80% ROA 3.15% 3.15% 4.08% ROE 24.24% 24.95% 37.28% LDR 71.85% 71.14% 63.73% 12

13 Key Indicators Equity Asset 4,99 4,96 49,33 40,24 43,44 3,09 26,04 21,21 2,18 32,41 23,04 2,48 1,80 15, ,17 1,50 Jun-10 Jun Loan Jun-10 Jun-11 3rd Party Deposit 23,67 26,60 36,23 32,74 19,63 31,95 21,45 13,05 10,07 18,35 15,54 16,43 23,72 16,49 11,76 11, Jun-10 Jun Jun-10 Jun-11 13

14 Key Indicators (con t) Gross Profit Net Profit , Jun , Jun 11 14

15 Key Indicators (con t) Gross NPL Capital Adequacy Ratio 22,85% 21,20% 16,81% 1,97% 1,86% 19,21% 14,97% 15,77% 15,06% 2,41% 1,86% 0,78% 0,41% 0,70% 0,45% Jun 10 Jun Jun 10 Jun 11 Return On Equity Return On Asset 4,08% 28,09% 3,31% 2,63% 18,93% 3,24% 3,04% 24,95% 24.24% 19,41% 24,98% 3,15% 18,01% 2,40% ,28% 3,15% Jun 10 Jun Jun 10 Jun 11 15

16 Key Indicators (con t) Net Interest Margin Loan To Deposit Ratio 82,47% 75,67% 8,45% 9,77% 7,74% 6,38% 6,77% 7,63% 71,14% 79,02% 89,44% 71,85% 63,73% 7,32% 5,97% ,33% Jun 10 Jun Jun 10 Jun 11 Operational Expenses to Operational Income 80,39% 79,42% 78,04% 75,41% 77,30% 76,60% 70,80% 2005 Jun 10 75,47% Jun 11 16

17 Loans Breakdown Segment Growth YoY Rp (Outs) Micro Loans 53.72% 964B Consumer Loans 17.37% 2,69T Commercial Loans 28.57% 936B Total Loan 24.03% 4,6 T 17

18 The Big 5 Debtors No. Debtors Outstanding (Rp, Mio) 1 Adira Multifinance 250,000 2 Telkom 250,000 3 Permodalan Nasional Madani 200,100 4 Pertani 154,853 5 Swadharma Indotama Finance 117,933 18

19 Deposits Breakdown Conventional Deposits Breakdown Jun 11 % Mar 11 CASA % Dec 11 CASA % CASA Government Related Funds 47,57% 51,44% 41,71% 63,75% 23,63% 64,79% Corporate 33,75% 14,37% 38,69% 11,29% 54,04% 19,31% Retail 18,68% 57,81% 19,59% 55,93% 22,33% 60,11% TOTAL 100,00% 40,12% 100% 41,92% 100,00% 39,16% 19

20 Human Capital Positions March 2011 June 2011 Board of Commisioners 5 5 Directors Middle Management First Line Management Total Permanent 1,993 2,135 Non Permanent 3,257 3,429 Total 5,250 5,563 Top Management Staff Employee in Pension Preparation 20

21 Good Corporate Governance Better GCG Implementation bank bjb has signing MOU with KPK in term to control gratification activities that may happen in bank bjb. This MOU implementation are starts from establishment of Gratification Controlling Unit. By this, bank bjb become the first institution in banking industry who run this mechanism. This is include policy to expand individual wealth reporting not only for structural employee, but also covering whole bank bjb employee who may expose by gratifications. Gratifications Controlling Unit Start from May 20, 2011 Policy Gratification Control Procedure Code of Conduct Whistle Blowing System LHKPN Reporting Gratifications Controlling Unit Establishment 21

22 Achievements 2011 Investor Awards, Best Listed Company, The Best Performance IPO Corporate Image Awards 2011, Indonesia s Most Admired Company, Category Regional Government Bank Infobank Awards, Bloomberg Businessweek, Very Good on Financial Performances Bandung Service Excellence Award, The Best Bandung Service Excellence Champion, Category: Conventional Banking Investor Award, Best CEO, Category: Regional Bank Infobank Platinum Award for BPD (1st Best ATM, 1st Best Security, 2nd Best Phone Handling, 3rd Overall performance) Tempo Award, The Best performance Award of Indonesian Bank (Regional Dev. Bank Award) Bisnis Indonesia, The Best Regional Development Bank Bisnis Indonesia, Efficiency Award 22

23 EOGM Results Agree to change Corporate Statue No. 15 Point 3.Am about requirement of President Director to be: Presiden Director Candidates must have Commercial Banking background with minimum as an active Director level or ever hold position as a Director in Bank with total assets at least as same as bank bjb s total assets and have good track record. Appointed Board of Commissioners as follow: President Commissioner, Agus Ruswendi Commissioner, Muhadi Independent Commissioner, Klemi Subiyantoro Independent Commissioner, Achmad Baraba Independent Commissioner, Yayat Sutaryat Appointed Board of Directors as follow: President Director, Bien Subiantoro Director, Entis Kushendar Director, Bambang Mulyo A Director, Arie Yulianto Director, Zaenal Aripin 23 Director, Shahyohan Johnny Azis

24 Q &A PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN,Tbk. INVESTOR RELATIONS MENARA bank bjb Jl. Naripan Bandung ext 7008/