Bigger, Stronger, Better bank bjb 2Q17 Analyst Meeting
USD IDR Yield Index (points) Macroeconomic BI 7 Day Reverse Repo Rate at 4.75% GDP Growth (LHS) 7 Day RR (RHS) Stable Consumer Confident Index Consumer Confidence Index 8 7 6 5 4 3 2 1 0 5.6 5.4 5.2 5 4.8 4.6 4.4 4.2 140 120 100 80 60 40 20 0 Source: Bloomberg Inflation Reached 4.37% in June Source: Bloomberg IDR Appreciated Againts USD CPI 1M JIBOR USDIDR 10Yr Govt Bond 14 12 10 8 6 4 2 0 14000 12000 10000 8000 6000 12 10 8 6 4 2 0 Source: Bloomberg Source: Bloomberg 2
Growth Banking Sector 30.0 25.0 20.0 Loans Growth As of Jun 17, banking sector data shows: Loans +7.77% to Rp4,526 tr (Investment loans +6.44%, working capital +7.21%, consumer loans 15.0 +9.86% ) 10.0 Deposit 10.30% to Rp5,046 tr (CASA +12.11% 5.0, Time Deposit +7.67%, CASA Ratio 54.38%) - NPL -0.09% to 2.96% ROA +0.16% to 2.47% Source: SPI OJK Investment Loans WC Loans Consumer Loans Jun 16 Jun 17 40 35 30 25 20 15 10 5 - Total Loans 4,200 4,526 7.77 Total Deposit 4,575 5,046 10.30 LDR 91.19 89.31-1.88 NPL 3.05 2.96-0.09 ROA 2.31 2.47 0.16 Source: SPI OJK NIM 5.59 5.35-0.24 3
Result Summary Income Statement Net Interest Income at Rp 3.1 tr (+4.9% ) PPOP at Rp 1.3 tr (+6.8% ) LLP at Rp 219 bn (+109.3% ) Net Income at Rp 829 bn (-3.2% ) Balance Sheet Total Loans at Rp 68.2 tr (+12.9% ) Total Financing at Rp 5.4 tr (+6.1% ) Total Deposits at Rp 85.4 tr (+15.6% ) Total Asset at Rp 108.6 tr (+11.7% ) Ratios (bank only) NIM at 6.8% (-44 bps ) ROA (Net) at 1.8% (-29 bps ) ROE (Net) at 17.3% (-525 bps ) NPL (Gross) at 1.57% (-45 bps ) 4
Target vs. Realization Target 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 Loans Growth 13% -14% 15.1 15.6 14.1 13.6 12.9 Deposit Growth 12% - 13% -10.6-4.6 16.1 5.6 15.6 ROA (net) 1.5% - 2.0% 2.1 2.1 1.7 1.8 1.8 ROE (net) 15% - 20% 22.5 21.7 17.6 17.3 17.3 NIM 6.5% - 7.0% 7.2 7.2 7.4 6.5 6.8 Cost of Fund 5.0% - 5.3% 5.0 5.0 4.9 5.3 5.1 Cost to Income Ratio 60% - 65% 64.2 64.1 67.4 68.9 64.2 Gross NPL 2.0% - 2.5% 2.02 1.73 1.69 1.62 1.57 CASA Ratio 56% - 60% 56.4 54.7 46.6 48.7 50.4
Income Statement Income Statement (Rp bn) Positioning 2Q 16 2Q 17 Interest Income 5,184 5,586 7.8% 402 Interest Expense 2,268 2,528 11.5% 260 Net Interest Income 2,916 3,058 4.9% 142 Fee Based Income 217 362 66.9% 145 Operating Expense 1,992 2,174 9.1% 181 Gain (Loss) on Financial Statement 88 67-24.6% (22) PPOP 1,229 1,313 6.8% 84 Loan Loss Provision 104 219 109.3% 114 Non Operating Income (Expense) (33) (33) - - PBT 1,091 1,061-2.8% (30) Tax Expense 235 232-1.2% (3) Net Income 857 829-3.2% (27) 5
Balance Sheet Balance Sheet (Rp bn) 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 Cash 3,362 1,978 2,215 1,803 3,448 2.6% Current Account with Bank Indonesia 5,058 5,109 5,516 5,555 5,675 12.2% Secondary Reserves 19,626 22,310 22,255 25,442 21,819 11.2% Loans - net 59,613 62,581 62,755 62,474 67,642 13.5% Financing - net 4,917 4,833 4,651 4,540 4,700-4.4% Fixed Asset - net 2,638 2,451 2,740 2,735 2,862 8.5% Other Asset 1,987 2,306 2,186 2,216 2,460 23.8% Total Asset 97,202 101,568 102,318 104,764 108,607 11.7% Total Third Party Fund 73,879 78,117 78,483 84,391 85,376 15.6% Marketable Securities Issued 1,122 1,122 2,312 2,312 2,312 106.0% Fund Borrowings 6,159 7,324 6,541 6,501 6,488 5.3% Repo 5,242 3,923 2,671-2,913-44.4% Others 1,454 1,428 2,638 2,305 1,785 22.8% Total Liabilities 87,856 91,915 92,644 95,508 98,874 12.5% Total Equity 9,345 9,653 9,674 9,257 9,732 4.1% 6
Key Ratios Key Ratios 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 Profitability ROA (net) 2.1 2.1 1.7 1.8 1.8 ROE (net) 22.5 21.7 17.6 17.3 17.3 Cost Ratios Cost to Income Ratio 64.2 64.1 67.4 68.9 64.2 Expenses Ratio 77.5 77.4 82.7 79.1 80.2 Yield Asset Yield 12.2 12.2 12.3 11.7 11.9 Cost of Fund 5.0 5.0 4.9 5.3 5.1 NIM 7.2 7.2 7.4 6.5 6.8 LDR 88.1 86.3 86.7 80.2 85.9 Asset Quality Special Mention Loans 2.1 2.3 1.7 2.4 2.8 Gross NPL 2.02 1.73 1.69 1.62 1.57 Net NPL 0.83 0.73 0.75 0.87 0.85 Coverage Ratio 62.6 62.4 61.1 51.2 50.8 Provision/Total Loans 1.3 1.1 1.0 0.8 0.8 Capital CAR 17.7 18.1 18.4 17.0 16.3 7
(Rp tr) Loans Breakdown (bank only) 80 Consumer Micro Commercial Mortgage Segment (Rp bn) 2Q 16 2Q 17 70 4.9 Consumer 41,447 46,229 11.5% 60 50 40 4.5 7.6 4.5 4.5 4.5 9.2 9.2 7.8 3.9 3.6 3.3 3.2 4.5 10.8 3.4 4.5 4.6 4.7 12.3 10.8 9.2 3.5 3.8 3.5 12.4 4.4 Micro 3,445 4,418 28.3% Commercial 10,778 12,360 14.7% Mortgage 4,462 4,888 9.5% 30 20 10 36.2 37.2 38.2 39.7 41.4 42.8 44.2 45.1 46.2 Total Gross Loans Currency (Rp bn) 60,132 67,895 12.9% 2Q 16 2Q 17 0 IDR 59,722 67,499 13.0% Forex 410 396-3.4% 8
(Rp tr) Consumer Loans 50 45 Civil Servant Loans (LHS) NPL (RHS) Pensioner Loans (LHS) 1.0 0.9 Key Indicators 2Q 16 2Q 17 Loans Outstanding 41,447 46,229 11.5 % 40 35 30 3.2 3.6 3.9 4.5 5.6 6.7 7.6 8.5 9.3 0.8 0.7 0.6 Net Expansion YtD (Rp bn) Avg. Loans Outstanding (Rp mn) 3,230 2,004-37.9% 110 115 4.1 % 25 0.5 No of Account 375,585 402,526 7.2 % 20 15 33.0 33.7 34.3 35.2 35.8 36.1 36.6 36.6 36.9 0.4 0.3 Interest Rate 14.50%-16.25% eff. p.a 10 5 0 0.11 0.11 0.09 0.15 0.10 0.09 0.07 0.08 0.17 0.2 0.1 0.0 Asset Quality 2Q 16 2Q 17 Special Mention 0.36 1.51 +1.15 NPL 0.10 0.17 +0.07 9
(Rp tr) Micro Loans KMU (LHS) Others (LHS) Govt Program (LHS) NPL (RHS) Key Indicators 2Q 16 2Q 17 5.0 4.5 4.0 25.1 26.8 22.7 30.0 25.0 Loans Outstanding Net Expansion YtD (Rp bn) 3,445 4,418 28.3 % 115 888 669.4% 3.5 3.0 1.1 1.1 21.0 2.6 20.0 Avg. Loans Outstanding (Rp mn) 89 153 71.0 % 2.5 2.0 1.5 1.0 0.9 0.8 1.3 0.6 1.5 1.9 2.0 2.0 14.2 12.2 9.6 0.5 0.3 0.2 0.2 2.2 0.1 0.2 7.6 6.3 15.0 10.0 5.0 No of Account 38,517 28,888-25.0 % Interest Rate* 8.7% - 27.2% eff. p.a. Asset Quality 2Q 16 2Q 17 0.5-1.9 1.7 1.4 1.2 1.2 1.2 1.3 1.4 1.6 0.0 Special Mention 4.5 1.7-2.8 NPL 14.2 6.3-7.9 10
(Rp tr) Commercial Loans Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Key Indicators 2Q 16 2Q 17 14.0 12.0 10.0 8.0 6.0 4.0 2.0 1.4 7.5 1.7 1.4 1.4 1.7 1.8 6.2 5.7 1.4 1.8 5.9 1.5 1.8 3.5 1.4 1.8 2.9 1.4 1.8 3.3 1.4 1.7 4.1 1.8 1.8 3.1 20.0 19.0 18.0 17.0 16.0 15.0 14.0 13.0 12.0 11.0 10.0 9.0 8.0 7.0 6.0 5.0 4.0 3.0 2.0 Loans Outstanding Net Expansion YtD (Rp bn) Avg. Loans Outstanding (Rp mn) 10,778 12,360 14.7 % 1,532 1,528-0.2% 1,674 1,953 16.7 % No of Account 6,438 6,328-1.7 % Interest Rate 8.3% -15.5% eff. p.a Asset Quality 2Q 16 2Q 17-4.5 6.0 6.0 4.7 7.5 9.1 7.7 6.0 8.8 1.0 - Special Mention 2.5 2.7 +0.2 NPL 3.5 3.1-0.4 11
(Rp tr) Mortgage Loans 5.00 Mortgage Loans (LHS) NPL (RHS) 15.0 Key Indicators 2Q 16 2Q 17 4.90 14.0 13.0 Loans Outstanding 4,462 4,888 9.5 % 4.80 4.70 4.60 4.50 4.40 4.30 8.3 7.6 6.9 7.0 6.6 6.1 4.50 4.51 4.47 4.49 4.46 4.47 7.4 4.56 6.7 6.7 4.70 4.89 12.0 11.0 10.0 9.0 8.0 7.0 6.0 5.0 4.0 3.0 2.0 Net Expansion YtD (Rp bn) Avg. Loans Outstanding (Rp mn) (44) 330 842.9% 233 210-9.8 % No of Account 19,167 23,274 21.4 % Interest Rate 7.0% - 13.5% eff. p.a. Asset Quality 2Q 16 2Q 17 4.20 1.0 - Special Mention 15.8 15.9 +0.1 NPL 7.0 6.7-0.3 12
(Rp tr) Deposit Breakdown (bank only) 90 80 Current Account Savings Account Time Deposit Deposits Breakdown (Rp bn) 2Q 16 2Q 17 Current Account 26,017 24,234-6.9% 70 60 50 39.7 37.4 29.8 33.8 29.7 33.1 38.9 40.1 39.2 Saving Account 12,497 15,616 25.0% Time Deposit 29,738 39,235 31.9% 40 TOTAL 68,253 79,085 15.9% 30 9.8 10.2 14.3 11.4 12.5 12.6 16.8 13.3 15.6 CASA Ratio 56.4 50.4-6.0 20 10 27.9 29.5 18.6 29.3 26.0 27.3 17.1 24.8 24.2 Currency (Rp bn) 2Q 16 2Q 17 0 IDR 66,957 78,542 17.3% Forex 1,296 543-58.1% 13
Absolute Special Mention Loans (Rp bn) Special Mention/Total Loans Special Mention Contribution Special Mention Loans (bank only) Consumer (LHS) Micro (LHS) Commercial (LHS) Consumer Micro Commercial Mortgage Mortgage (LHS) % to Loans (RHS) 100% 3,000 4.0 90% 2,500 3.5 2.8 2.8 3.5 3.0 80% 70% 38 48 60 59 55 52 54 45 41 2,000 1,500 1,000 500-694 451 729 286 567 389 2.2 2.2 2.1 706 720 723 106 109 271 281 234 155 93 109 101 151 149 2.3 739 272 109 298 1.7 579 227 75 184 2.4 694 278 62 501 776 336 76 696 2.5 2.0 1.5 1.0 0.5-60% 50% 40% 30% 20% 10% 0% 25 19 9 9 21 31 19 26 23 12 12 12 5 7 8 19 8 21 21 7 17 18 4 33 18 4 37 14
Absolute Non Performing Loans (Rp bn) Non Performing Loan/Total Loans NPL Contribution Non Performing Loans (bank only) Consumer (LHS) Commercial (LHS) % to Loans (RHS) Micro (LHS) Mortgage (LHS) Consumer Micro Commercial Mortgage 100% 3,000 2,500 3.6 3.5 4.0 3.5 90% 80% 16 18 18 24 26 25 31 31 31 2,000 2.9 2.8 3.0 2.5 70% 60% 30 30 33 30 31 33 1,500 311 340 571 567 298 373 2.0 1.73 1.69 1.62 1.57 2.0 50% 40% 34 37 36 1,000 500 986 968 526 463 754 674 311 274 335 315 326 378 355 362 378 381 488 421 338 287 278 1.5 1.0 0.5 30% 20% 10% 52 51 47 43 40 39 32 28 26-38 40 34 58 40 39 31 37 81-0% 2 2 2 4 3 4 3 4 8 15
Yield Analysis Loans 76.3% Others 1.5% Placement to BI 9.9% Interbank Placement 1.2% Asset Yield Placement to Bank Indonesia 2Q 16 2Q 17 1.6 2.3 Interbank Placement 3.4 3.5 Securities 7.0 6.9 Marketable Securities 11.1% Loans Yield 14.8 14.4 Others - - Time Deposit 44.9% Savings Account 17.9% Interbank Lending 6.8% Bonds 2.6% Current Account 27.8% Cost of Fund 2Q 16 2Q 17 Interbank Liabilities 5.7 4.8 Securities 6.9 8.8 Deposits From Customers 4.8 5.0 Current Account 2.1 1.9 Time Deposit 8.0 7.5 Savings Account 1.6 1.6 Loans received 5.1 5.3 16
Capital Adequacy Risk Weighted Asset (RWA) 2Q 16 2Q 17 Total Capital to Rp 8.2 tr ( -Rp 288 bn ) Total CAR at 16.3 % (-135 bps ) Total RWA 44,574 50,023 12.2 % Credit Risk 34,269 40,018 16.8 % Operational Risk 9,157 9,157 - CAR Analysis Risk Weighting Addition to RWA/ Rp1tr Net Expansion Net Impact to CAR Market Risk 1,148 847-26.2 % RWA/Total Asset 49.0% 49.1% 0.1 % tier-1 7,440 7,656 2.9 % Consumer Loans 50% Rp 500bn 0.16 Micro Loans 75% Rp 750bn 0.24 tier -2 428 500 16.8 % Total Capital 7,868 8,156 3.7 % Tier-1 CAR 16.7% 15.3 % -1.4 % Total CAR 17.7% 16.3 % -1.4 % Commercial Loans 100% Rp 1tr 0.32 Mortgage Loans 40% Rp 400bn 0.13 17
Consumer Loan Details 18
(Rp tr) Civil Servant Loans 40 35 30 33.0 Civil Servant Loans (LHS) 35.8 34.3 36.1 35.2 33.7 NPL (RHS) 36.6 36.9 36.6 0.5 0.4 Key Indicators 2Q 16 2Q 17 Loans Outstanding 35,804 36,938 3.2 % Net Expansion YtD (Rp bn) 1,496 350-76.6% 25 20 0.3 Avg. Loans Outstanding (Rp mn) 110 112 1.4 % 15 0.19 0.2 No of Account 324,800 330,584 1.8 % Median Interest Rate 14.50%-16.25% eff. p.a 10 5 0.10 0.11 0.08 0.11 0.09 0.09 0.07 0.08 0.1 Asset Quality 2Q 16 2Q 17 0 0.0 Special Mention 0.37 1.72 +1.35 NPL 0.09 0.19 +0.10 19
(Rp tr) Pensioner Loans 10,000 9,000 Pensioner Loans (LHS) 0.44 NPL (RHS) 8,470 9,291 0.5 Key Indicators 2Q 16 2Q 17 Loans Outstanding 5,643 9,291 64.7 % 8,000 7,000 6,710 7,637 0.4 Net Expansion YtD (Rp bn) 1,734 1,654-4.6% 6,000 5,000 4,494 5,643 0.3 Avg. Loans Outstanding (Rp mn) 111 129 16.2 % 4,000 3,000 3,909 3,556 3,191 0.2 No of Account 50,785 71,942 41.7 % Median Interest Rate 14.50%-18.48% eff. p.a 2,000 1,000 0 0.12 0.12 0.12 0.11 0.10 0.08 0.09 0.10 0.1 0.0 Asset Quality Special Mention 2Q 16 2Q 17 0.31 0.64 +0.33 NPL 0.11 0.10-0.01 20
Sharia Business Performance 2Q17 bank bjb Sharia 21
Key Ratios Sharia 2Q 16 2Q 17 CAR 20.9 18.7-2.2 NPF Gross 17.1 16.5-0.6 NPF Nett 13.5 3.6-10.0 ROA -1.9-1.3 0.6 ROE -11.3-10.8 0.4 NIM 4.6 5.1 0.5 BOPO 106.1 108.0 1.9 FDR 93.7 89.1-4.5 22
Income Statement Income Statement (Rp mn) 2Q 16 2Q 17 Financing Income 342,510 384,682 12.3% Financing Expense 194,134 197,118 1.5% Net Financing Income 148,376 187,564 26.4% Other Operating Income 526,218 73,023-86.1% Operating Expense 739,812 313,031-57.7% Operating Income (65,218) (52,444) 19.6% Non Operating Income (Expense) 962 3,859 301.3% Income (Loss) Before Tax (64,257) (48,584) 24.4% Tax Expense 13,140 8,556-34.9% Net Loss (51,117) (40,028) 21.7% 23
Balance Sheet BS highlight (Rp Mn) 2Q 16 2Q 17 Cash 57,580 66,181 14.9% Current Account with Bank Indonesia 276,666 289,948 4.8% Secondary Reserves 1,415,278 2,057,306 45.4% Financing-net 4,917,149 4,700,180-4.4% Fixed Asset-net 172,492 268,483 55.6% Other Asset 184,527 330,587 79.2% Total Asset 7,023,692 7,712,684 9.8% Total Third Party Fund 5,463,886 6,107,773 11.8% Fund Borrowings 13,000 53,758 313.5% Others 558,062 635,611 13.9% Total Liabilities 6,034,948 6,797,142 12.6% Total Equity 988,744 915,542-7.4% 24
Sharia Performance Financing (Rp mn) 2Q 16 2Q 17 Murabahah (Trading) 3,989,521 4,372,083 9.6% Qardh (Bridging) 67,855 68,777 1.4% Financing 1,058,820 986,109-6.9% Istishna (Pawning) 2,244 1,568-30.1% Total Gross Financing 5,118,440 5,428,537 6.1% Funding (Rp mn) 2Q 16 2Q 17 Wadiah Current Account 97,563 114,757 17.6% Wadiah Savings Account 168,400 171,744 2.0% Mudharabah Current Account 251,096 231,006-8.0% Mudharabah Savings Account 467,419 554,591 18.6% Mudharabah Time Deposit 4,479,408 5,035,674 12.4% Total Funding 5,463,886 6,107,773 11.8% 25
Company Profile bank bjb 26
Distribution Network Others Deposits 2.5 Tr Loans 6.4 Tr Micro Loans 1.3 Tr Profit 130 bn 70,547 Customers 13 Branch Offices 13 Sub Branch Offices 7 Cash Offices 96 ATM Unit 496 Employees Total bjb employees 7,719 Total bjb customers 4,206,268 Jakarta Deposits 18.4 Tr Loans 8.8Tr Micro Loans 519 bn Profit 275 bn 124,414 Customers 9 Branch Offices 60 Sub Branches 5 Cash Offices 1 Payment Point 116 ATM Unit 580 Employees Banten Deposits 11.7 Tr Loans 9.6 Tr Micro Loans 429bn Profit 503 bn 853,451 Customers 8 Branch Offices 45 Sub Branches 61 Cash Offices 43 Payment Point 211 ATM Unit 778 Employees West Java Deposits 46.5 Tr Loans 43.2 Tr Micro Loans 2.1 Tr Profit West Java 1.8 Tr Loss Head Oficce 1.6 Tr 3,157,856 Customers 35 Branch Offices 191 Sub Branch 265 Cash Offices 100 Payment Point 790 ATM Unit 5,865 Employees 27
Branch Network Details No bjb Network 2Q 16 2Q 17 1 Branch 62 65 +3 2 Sub Branch 312 309-3 3 Cash Offices 316 338 +22 4 Payment Point 133 144 +11 5 ATM 1,197 1,213 +16 6 Layanan bjb Precious 11 11-7 MSME Center 6 6-8 Mobile Cash 11 11-9 Weekend Banking 11 11-10 Forex Branches 47 47 - Total 2,106 2,155 +49 28
Human Capital Level 2Q 16 2Q 17 Board of Commissioners 5 5 - Educational Breakdown Up To Bachelor Degree 94% Directors 7 6-1 Top Management 42 42 - Middle Management 321 358 37 First Line Management 1,799 1,833 34 Staff 5,289 5,470 181 Employee in Pension Preparation 9 16 7 Total Permanent 7,472 7,730 258 SDM 447 493 46 Umum 4,371 5,150 779 Age Breakdown 18-30 64% Master of Doctorate 6% Total Non Permanent 4,818 5,643 825 31-40 28% Total 12,290 13,373 1,083 >50 2% 41-50 6% 29
Ownership Ownership Structure 2Q16 2Q17 Founder (A Series) 75.00 75.00 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 Local Institution Foreign Retail Foreign Institution 4.06 6.03 6.81 13.77 0.02 0.16 14.12 4.94 30
2017 Awards Brand Finance & SWA TOP 100 Best Valuable Indonesian Brands Business News TOP BUMD 2017 Best Over All Business News TOP BPD 2017 Business News TOP CEO 2017 SWA Indonesia Original Brand 2017 (Rank 1 st ) SWA Indonesia Best Public Companies 2017 (Rank 4 th & Rank 9 th Overall) Indohousing Most Excellent Service Performance Bank for Housing Loan Program Infobank Titanium Trophy Bank dengan Kinerja Keuangan Sangat Baik Selama Tahun 2016 Markplus Silver Champion Bandung WOW Service Excellence Award 2017 (Buku III) 31
2017 Awards Tribute From West Java Province CSR Partner Excellence Service Experience Awards (ESEA) 2017 - 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 2017 32
2016 Awards Best Bank (BUKU III) Sustainable Finance Award (SFA) OJK Tribute From IDX Let s Save In Stocks Campaign Forbes Indonesia Economic Review Awards Economic Review Awards Best Of The Best Awards 2016 The Best BPD (BUKU III) Very Good GCG TOP 50 Companies For Regional Company (BUKU III) Finance Asia The Best Small Cap Infobank Awards In Indonesia Year 2015 Very Good Financial Performance Indonesian Institute For Bisnis Indonesia Awards Corporate Directorship Awards Best Performance Bank TOP 50 Public Listed Companies IICG Trusted Company Based On Corporate Governance Perception Index (CGPI) 33
2016 Awards Top 4 th Listed Bank Tribute From Ministry Of Trade Tribute From KPK LHKPN 2016 Padma Awards Ministry Of Social Services KPK Awards Best LHKPN For West Java Regional Company Tribute From KPK Gratification Report 2016 KPK Awards Best Control System For Gratification (State/Regional Owned Company) Tribute From Bogor Municipal Government For Supporting Tourism Warta Ekonomi Awards Best Banking Brand 2016 Economic Review Very Good GCG Rating For Regional Company Listed 34
2016 Awards Annual Report Award 2015 2 nd Best BUMD Listed Tribute From OJK Annual Report Award 2015 2 nd Best BUMD Listed Major Trophy Koran Sindo BPD Award 2016 Best BPD On Digital Innovation (BUKU) III Koran Sindo BPD Award 2016 Best BPD On Loans Disbursement (BUKU) III Koran Sindo BPD Award 2016 Best BPD On Highest Profitability (BUKU) III Annual Report Award 2015 2 nd Best BUMD Listed Trophy From Bank Indonesia Koran Sindo BPD Award 2016 Best CEO Koran Sindo BPD Award 2016 Best of The Best BUKU III Bank Koran Sindo BPD Award 2016 Best BPD On Biggest Deposit Growth (BUKU) III The Best BUKU 3 Bank for Asset 50 100 Trillion 35
2016 Awards Tempo Banking Awards 2016 Best Bank In Productivity Tempo Banking Awards 2016 Most Efficient Bank Assets Above 30 T Tempo Banking Awards 2016 Best BPD Assets Above 30 T Annual Report Award 2015 2 nd Best BUMD Listed Tribute From PEFINDO Annual Report Award 2015 2 nd Best BUMD Listed Tribute From Bank Indonesia Tempo Banking Awards 2016 Best Retail Banking Assets Above 30 T Tempo Banking Awards 2016 Best Digital Services Assets Above 50 T Koran Sindo Awards West Java Best Regional Government Owned Company Annual Report Award 2015 2 nd Best BUMD Listed Certificate From ARA Committee Annual Report Award 2015 2 nd Best BUMD Listed Tribute From Ministry of Finance 36
2016 Awards Appreciation On Positive Contribution To The Tax Revenue In 2015 Contact Center Service Excellent Award 2016 bjb Call As Best Call Center For Regular Banking Category Koran Sindo Inspiration For Indonesia Appreciation SINDO CSR Awards For Environmental Category Bisnis Indonesia Award Best Small Cap In Indonesia Investor Daily Award Biggest Core Capital BUKU III Category Warta Ekonomi Award Digital Innovation For Banking Infobank MRI Award 1 st Best ATM Commercial Bank Infobank MRI Award 10 st Best Overall Performance Commercial Bank SWA Magazine Ranked 46 th Indonesia s 100 Most Valuable Brands Awards Markplus WOW Brand Awards 2016 Service Excellent Bank BUKU III 37
Rp/share Million Shares Share Price Performance 3550 Volume (RHS) Price (LHS) 200 180 Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan 12 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id 3050 160 140 Contact Person: Muhammad As adi Budiman Deputy Corporate Secretary mbudiman@bankbjb.co.id 2550 2050 120 100 80 Sani Ikhsan Maulana IR Head smaulana@bankbjb.co.id Anjas Septa Lesmana Senior Officer aslesmana@bankbjb.co.id 1550 1050 550 60 40 20 0 Siti Khairina Wahyujati Officer swahyujati@bankbjb.co.id Trifani Rahayu Staff trahayu@bankbjb.co.id Putra Farizzaka Staff pfarizzaka@bankbjb.co.id Source: Bloomberg 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 information only. It is not intended to the specific person who may receive this report. The information in this report has been obtained from source 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. Menara bank bjb Jl. Naripan 12 14 7 th Floor Bandung 40111 Telp. +6222 4234868