Financial Report Q1-2011
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1 Financial Report Q1-2011
2 Ownership Capital Structure Shares Rp. % A Series 7,272,218,666 1,818,054,666, % West Java Provincial Government 3,709,994, ,498,683, % West Java Municipal Government 2,289,395, ,348,920, % Banten Provincial Government 520,589, ,147,464, % Banten Municipal Government 752,238, ,059,599, % B Series 2,424,072, ,018,125, % Public 2,357,143, ,285,875, % EMSA 66,929,000 16,732,250, % B Series Breakdown Ownership Shares % Local Local Retail 765,446, % EMSA 66,929, % Cooperatives 10, % Foundations 20,182, % Pension Funds 168,702, % Insurances 236,028, % LLC 52,855, % Mutual Funds 205,367, % 1,515,520, % Foreign Foreign Retail 3,341, % Foreign Institutional 905,211, % 908,552, % 2,424,072, %
3 Distribution Network Distribution Network bank bjb Q Branches 51 Branches Outside West Java & Banten are located in: Sub Branches 172 Jkt Arthaloka Semarang Surabaya Jkt Rawamangun Cash Offices 45 Batam Medan Denpasar Jkt-Kebayoran Baru Payment Points 45 Makasar Pekanbaru Tegal Mobile Offices 7 Jkt - Hasyim Ashari Balikpapan Jkt Mangga Dua ATMs 396 Expansion Plan (Branch) Year 2011 Palembang (South Sumatera) Bandarlampung (Sumatera) Banjarmasin (South Kalimantan) Solo (Central Java)
4 Branch Expansion New Distribution Network on Q Branches Sub Branches Cash Offices Payment Point ATM Cash Mobile Expansion Plan New Branches Outside Wet Java & Banten Region Upgrading from Sub Branch to Full Branch 1. Bandar Lampung 2. Banjarmasin 3. Solo 4. Palembang 1. Singaparna 2. Balaraja Number of Branches Number of Sub Branches Number of Cash Offices Yogyakarta 2. Menado 3. Samarinda 4. Kediri 1. Lembang 2. Ujungberung 3. Cikampek
5 Human Resources Level Dec 2010 Mar Commisioners 5 5 Directors 5 4 Top Management Middle Management First Line Management Staff Employee in Pension Preperation Total Permanent Non Permanent Total
6 Management Team Agus Ruswendi, President Director Past experiences include President Director bank bjb (2007-Present), Director of Funding & Services bank bjb ( ), Head of Treasury bank bjb ( ), Head of Branch bank bjb,jakarta( ) and Head of Branch bank bjb, Serang ( ). Tatang Sumarna, Director of Consumer Banking Past experiences include Director of Funding & Services bank bjb( Present), Head of Financial Management Division bank bjb ( ), Head of Branch bank bjb, Bekasi ( ) and Head of Branch bank bjb, Sukabumi ( ). Entis Kushendar, Director of Commercial Past experiences include Director of Loan bank bjb(2007 -Present), Head of General Affairs Division bank bjb( ), Head of Branch bank bjb, Jakarta ( ) and Head of Branch bank bjb, Serang ( ). Dadang Agus Suryanto, Director of Operation Past experiences include Director of Operation bank bjb( Present), Head of Human Resource Division bank bjb( ), Head of Branch bank bjb, Serang (January September 2005) and Head of Branch bank bjb, Cirebon ( ). Appointed President Director 4 April 2007 Years of Experience at Bank Jabar Banten: 26 Years Appointed Director 4 April 2007 Years of Experience at Bank Jabar Banten: 26 Years Appointed Director 4 April 2007 Years of Experience at Bank Jabar Banten: 26 Years Appointed Director 4 April 2007 Years of Experience at Bank Jabar Banten: 28 Years
7 Board of Commisioners Lex Laksamana Zainal Lan, President Commissioner Past experiences include President Commissioner of bank bjb(2006 -Present), Jawa Barat Provincial Secretary (2006-Present), Assistant of Regional Secretariat of Jawa Barat on Economic Affairs ( ) and Head of Environmental Protection Agency of Jawa Barat ( ). Muhadi, Commissioner Past experiences include Commissioner of bank bjb(2008 -Present), Banten Provincial Secretary (2008 -Present), Caretaker of Banten Provincial Secretary (2008), Head of Service -Management and Asset of Provincial Banten (2008) and Head of Service -Revenue of Provincial Banten ( ). Achmad Baraba, Independent Commissioner Past experiences include Independet Commissioner of bank bjb(2007 -Present), Member of Syariah Banking Development Committee at Bank of Indonesia (2000-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 ( ). Muryanto, Independent Commissioner Past experiences include Independent Commissioner of bank bjb(2007 -Present), SRM Spoke B Manager SPB KC Bank Mandiri Jakarta Juanda ex. BDN ( ), Head of Branch -Bank Mandiri Daan Mogot ( ) dan Head of Branch -Bank Mandiri Cinere ( ). Klemi Subiyantoro, Independent Commissioner Past experiences include Independent Commissioner of bank bjb(2008 -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 ( ).
8 Financial Highlights Asset Loan Mar Mar Mar Mar rd Party Deposit Equity Mar Mar Mar Mar 2011
9 Financial Highlights Gross Profit Net Profit 1,219, , , , , , , , , , , , ,636 ```````````````````````````````````````````````````````````````` 260, Mar Mar 2011
10 Ratios Capital Adequacy Ratio Net Interest Margin 14.97% 16.81% 15.06% 21.20% 21.41% 22.85% 19.63% 9.77% 6.38% 5.97% 8.45% 7.63% 8.81% 7.32% 6.54% Mar Mar Mar Mar % 2.63% Return On Asset 3.31% 3.29% 3.24% 2.40% 3.15% 3.05% 18.93% Return On Equity 28.09% 19.41% 24.98% 25.84% 18.01% 24.95% 22.53% Mar Mar Mar Mar 2011
11 Ratios Loan To Deposit Ratio Gross NPL 87.33% 75.67% 79.02% 89.44% 82.47% 71.14% 71.14% 70.17% 0.45% 0.41% 0.70% 0.78% 1.97% 2.05% 1.86% 2.43% Mar Mar Mar 2010 Mar Operational Expenses to Operational Income 80.39% 78.04% 79.42% 75.41% 77.30% 77.44% 76.60% 77.25% Mar Mar 2011
12 Deposits Breakdown Business Mar'11 Mar'10 Conventional 32,875,410 27,854,009 Sharia 982,313 TOTAL 33,857,723 27,854,009 Conventional Deposits Breakdown Mar'10 % CASA Gov't Related 42.21% 69.19% Corporation 39.14% 12.17% Retail 18.65% 57.57% 44.70% Mar'11 % CASA Gov't Related 41.71% 63.75% Corporation 38.69% 11.29% Retail 19.59% 55.93% 41.92%
13 Loans Breakdown Consumer Banking Commercial Banking Micro Banking Sharia Banking Kredit Multiguna Bhakti (Civil Servant and Employee Loans) Pensioners Loans Mortgage Loans Working Capital above Rp. 100 million Investment above Rp. 100 million Construction Loans Syndicated loans Multifinance loans Kredit Mikro Utama Kredit Usaha Rakyat Working Capital and Investment loans by Government Program Working Capital for Cooperative BPR Linkage Murabahah Mudharabah Musyarakah Qardh Istishna
14 The big 3 Debtors No Debtor BusinessSector Outstanding per Mar 11 1 PT Adira Dinamika Multifinance, Tbk Multifinance 250 Bio 2 PT. Telekomunikasi Indonesia,Tbk Telecommunication 250 Bio 3 PT. Permodalan Nasional Madani Finance 218,85 Bio
15 Consumer Banking bank bjb have a strong customer based in consumer banking, per 31 Mar 2011, 72.95% of total loan book are contributed by consumer loan. Kredit Multiguna Bhakti is our main consumer banking product, This is multipurposes loan mainly for Civil Servants and others fixed income employees. This segment are quite safe as our function to distribute their payroll. Currently bank bjb has variety product in consumer loan, we have also mortgage loan, namely KPR Multigriya, and we plan to launch car loan by this year (2011). Resume Interest Rate 9% -12% pa flat Loan Period 10 years max Collateral Non Insured Yes Funding Product on Consumer Banking Tandamata Tandamata Gold Tandamata Bisnis Tandamata Haji Tabunganku Simpeda
16 Micro Banking bank bjb has micro loan product called Kredit Mikro Utama, we had starting to disburse Kredit Mikro Utama at the end of To accelerate and monitoring Kredit Mikro Utama, we have minimum 3 persons in every branches and sub branches to maintain this product, they are 1 person for analyst, 1 person for marketer, and 1 person for collector. To achieve our target at the end of 2011 the strategies of micro banking are as follows : 1. Optimizing IT implementation on Micro Banking Assessment to increase our Service Level Aggreement (SLA). 2. Involving Direct Sales Agency (DSA) to collect the payment from debtors. 3. Product diversification to increasing the number of customers.
17 Commercial Banking bank bjb provide some loans and services for commercial segment. Currenty we manage more than Rp. 3,7 T loan portfolio in this kind of market. These are some product of commercial banking : Working Capital Investment Construction Syndicated Loan Multifinance In this Q1-2011, we are launching some new product as follows: Samsat Outlet in West Java, Banten, and Jakarta Sc hool Fee Payment Services BPHTB Payment Services These services will increase our CASA Ratio, this is inline with our target to restructuring funding composition in the end of 2011.
18 Our Positions NO. BANK ASSET 1 Mandiri 408,771,732 2 BRI 395,394,177 3 BCA 323,345,000 4 BNI 241,169,000 5 CIMB NIAGA 142,932,000 6 DANAMON 113,860,553 7 PANIN 106,508,000 8 PERMATA 73,570,333 9 BII 71,624, BTN 68,334, CITIBANK 55,698, MEGA 51,878, OCBC NISP 44,474, bank bjb 43,445, HSBC 42,238, BUKOPIN 41,701, BANK OF TOKYO 39,755, UOB BUANA 38,485, STANDARD CHARTERED 35,490, BTPN 34,639,394 NO. BANK LOANS 1 BRI 241,064,755 2 MANDIRI 218,992,542 3 BCA 153,116,000 4 BNI 132,431,000 5 CIMB NIAGA 102,715,000 6 DANAMON 75,090,482 7 PANIN 57,549,199 8 PERMATA 50,589,480 9 BII 49,695, BTN 48,624, BANK OF TOKYO 28,392, OCBC NISP 27,956, UOB BUANA 27,464, CITIBANK 26,826, MEGA 23,992, HSBC 23,918, bank bjb 23,669, BTPN 23,300, STANDARD CHARTERED 21,857, DBS 18,937,562 NO. BANK DEPOSITS 1 MANDIRI 332,727,856 2 BRI 328,778,818 3 BCA 277,534,000 4 BNI 189,351,000 5 CIMB NIAGA 117,820,000 6 DANAMON 79,541,163 7 PANIN 75,054,982 8 BII 59,507,744 9 PERMATA 57,791, BTN 45,332, MEGA 42,314, CITIBANK 37,447, OCBC NISP 35,650, HSBC 32,641, bank bjb 31,953, UOB BUANA 28,265, BTPN 25,500, DBS 19,771, STANDARD CHARTERED 18,782, EKONOMI RAHARDJA 18,396,436
19 Strategy Increasing funding s market share and restructuring its composition Increasing loan s market share Management development in order to support business growth Internal control and GCG s implementation Optimizing deposits growth in order to increase market shares of deposits. Developing customer oriented products and services Improving services quality Improving any researchs which related on expanding distribution network Accelerating the bank function as intermediary institution Optimizing loans growth in order to increase loans market shares Developing loans distribution network Improving quality and quantity of planning strategy Organization development Extending quantity and quality of Human Capital IT system development Optimalization in expanding of subsidiaries company Improving operational services Improving Risk Management s implementation Improving internal control through Risk Based Audit Improving GCG s implementations
20 Achievements 2010 Bandung Service Excellence Award, The Best Bandung Service Excellence Champion, Category: Conventional Banking Investor Award, Best CEO, Category: Regional Bank 2009 Infobank Platinum Award for BPD (1 st Best ATM, 1 st Best Security, 2 nd Best Phone Handling, 3 rd 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 2008 Kriya Pranala Mahakarya, Most active bank in linkage program Bisnis Indonesia, Efficiency Awards Infobank Award, Very good on Financial Report
21 Asset Buy We buy civil servants outstanding loan from others BPDs (Regional Development Bank) starts November 2010 Per 31 Mar 2011, we ve buy for Rp. 720,06 Bio, (which come from 2 banks).
22 General Meeting We ve held our year end 2010 general meeting on March 28 th 2011 Extra ordinary general meeting of shareholders will be held maximum 6 months after General Meeting year end 2010
23 General Meeting Result 1. Approving 2010 Annual Report, include Management Report, Board of Commissioner Report and legitimation of bank bjb and subsidiary s Financial Report years ended December 31, 2010 that have audited by Independent Auditors (Purwantono, Suherman, Surja) as the members of Ernst and Young Global that expressed an unqualified opinion 2. Deciding the usage of Net Profit on Year 2010 as a follow: a) 65 % or equal Rp for dividend b) 35% or equal Rp for reserve 3. Giving into Board of Commissioners to appoint Independent Auditors to audit 2011 Financial Report and determine others terms include the amount of fee. 4. Conveying statement of application of IPO Fund at year Delaying consideration of change in Corporate Statutes for further evaluation and will be propose on next General Meeting that will be held maximum 6 months after. 6. a) Approving the change of Pension Fund Regulation as follows: Deciding bank bjb Sharia as Pension Fund Partner Increasing employer premium fee from 16,7% to 17,3% of Pension Basic Income Increasing pension benefit for pensioners from below Rp. 1,1 million to Rp. 1,1 million per months b) Approving authority delegation to Directors to measure and arrange the changing of Pension Fund Regulation and propose its to related authorized institution 7. Extending period of existing Directos and Board of Commissioners, except Mr. Herry Achmad Buchory, for maximum 6 months until definitive Directors and Board of Commissioners for have choosen.
24 Financial Highlights Past 5 Years
25 Financial Highlights Past 5 Years
26 Ratios Past 5 Years
27 Q & A
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