ANALYST MEETING PT Bank Tabungan Negara (Persero) Tbk. Business & Financial Performances as of September 30, 2017 Jakarta, October 23 rd 2017
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Outline Page Macroeconomy 4 BBTN vs Industry 8 3Q17 Summary 11 Performance Overview 14 Sharia Business 39 Appendices 42 3
1. Macroeconomy 4
Macroeconomy: Manageable Inflation & Lower Benchmark Rate Lower Benchmark Rate Robust Economic Growth September inflation was manageable at 3.72% (yoy), still within BI s target of 4±1%. Bank Indonesia cut its policy rate twice by 50bps during 3Q17, bringing the BI 7-Day RR Rate to 4.25%. Economic momentum was maintained in 2Q17, with 5.01% (yoy) GDP growth. Economic growth is predicted to improve in the second half of 2017, on the back of export and investment performance. 5
Banking System: Loan was Limited, Decelerated Deposit Growth Weak Loan Growth Loan growth still limited at 8.3% (yoy) in Aug 2017 after showing an increasing trend since early 2017. Meanwhile, deposit growth decelerated to 9.6% (yoy) inaug 2017. Relatively Flat Trend of NPL NPL gross recorded at 3.0% in Aug 2017, experienced a flat trend during the last three months. 6
Housing Industry: Slower Growth of Residential Property Prices Residential Property Price Index Growth of Property Sales (% qtq) Residential Property Price Index in 2Q17 decelerated quarterly from 1.23% (qtq) to 1.18% (qtq) but grew annually at 3.17% (yoy), up from 2.62% (yoy). The rising prices affected all property types, especially small houses. Residential property sales decelerated from 4.16% (qtq) to 3.61% (qtq) in line with limited demand for houses. Source: Bank Indonesia Residential Property Survey for Primary House 7
2. BBTN vs Industry 8
Loan & Deposit Growth Robust Loan Growth In Sep 2017, BBTN Loan grew by 19.95% (yoy), far above industry growth at 8.3% (yoy) in Aug 2017. Its acceleration was sustained by Subsidized Mortgages. Decent Deposits Growth Total Deposits of BBTN increased by 13.96% (yoy) in Sep 2017 driven by CASA growth. Meanwhile industry recorded at 9.6% (yoy) in Aug 2017. 9
Mortgages & Net Profit Solid Mortgages Growth BBTN Mortgages grew 21.17% (yoy) in Sep 2017 while industry recorded at 9.15% (yoy) in Jul 2017. Strong Profitability In 9M17, Net Profit of BBTN grew by 23.68% (yoy), above industry growth at 17.68% (yoy) in Aug 2017. 10
3. 3Q17 Summary 11
Bank BTN s Achievement on 1 Million Houses Program Loan Type Target (Unit) Mortgage Disbursed 2017 Approved prior to 2017 Progress as of Sep 30, 2017 Construction Loans Support in Progress Approved in 2017 Unit IDR Bn Unit IDR Bn Unit IDR Bn Unit IDR Bn Unit IDR Bn Subsidized Mortgage 504,122 130,015 15,164 87,009 3,496 102,774 3,542 189,783 7,038 319,798 22,202 Non Subsidized Mortgage 161,878 37,039 11,635 84,772 12,931 24,642 4,176 109,414 17,107 146,453 28,742 TOTAL 666,000 167,054 26,799 171,781 16,427 127,416 7,718 299,197 24,145 466,251 50,944 Total Total 12
3Q17 Key Takeaways Robust Loan Growth Loan growth was 19.95% (yoy), supported by the government program of 1 million houses Subsidized mortgage demand remained strong with 30.78% (yoy) growth Sustaining the leadership of mortgage in Indonesia by 35.62% & holding 96.69% of national subsidized mortgage disbursement Sufficient Liquidity Deposits rose by 13.96% (yoy) driven by CASA growth LCR was sufficient at 154.56% Wholesale funding of Rp14.385 trn from NCD, bilateral loans and bonds issuance Solid Profitability Net profit increased by 23.68% (yoy) Net interest income raised by 16.95% (yoy), fee income grew by 35.50% (yoy) Improved Asset Quality NPL gradually improved to 3.07%, lower than 3.60% in Sep 2016 NPL on subsidized mortgage continued to improve, while construction & commercial loans significantly got better 13
4. Performance Overview 14
Financial Highlight (IDR Billion) FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 3Q 2016 3Q 2017 y.o.y INDU (AUG Total Asset 111,749 131,170 144,582 171,808 214,168 197,294 231,935 17.56% 10. Total Loan & Financing 81,411 100,467 115,916 138,956 164,446 153,814 184,502 19.95% 8.3 Total Deposits 80,688 96,213 106,479 127,746 160,192 147,471 168,054 13.96% 9.6 Equity 10,279 11,557 12,253 13,860 19,131 18,151 20,590 13.44% Net Profit 1,364 1,562 1,146 1,851 2,619 1,621 2,005 23.68% 17. Earning per Share (IDR) 148 148 108 175 247 153 189 23.68% CAR (Tier 1) 16.95% 14.91% 14.07% 14.87% 16.54% 16.50% 14.01% 21. CAR (BI) 17.69% 15.62% 14.64% 16.97% 20.34% 20.60% 16.97% 23. NPL (Gross) 4.09% 4.05% 4.01% 3.42% 2.84% 3.60% 3.07% 3.0 NPL (Nett) 3.12% 3.04% 2.76% 2.11% 1.85% 2.40% 2.06% 1.4 N I M 5.83% 5.44% 4.47% 4.87% 4.98% 4.59% 4.49% 5.3 C I R 49.71% 50.86% 57.21% 50.08% 48.41% 52.28% 52.90% COVERAGE RATIO 29.48% 27.97% 33.77% 43.14% 45.25% 39.24% 40.01% ROE 18.23% 16.05% 10.95% 16.84% 18.35% 15.76% 16.34% ROA 1.94% 1.79% 1.14% 1.61% 1.76% 1.59% 1.56% 2.4 LDR 100.90% 104.42% 108.86% 108.78% 102.66% 104.30% 109.79% 89. LCR 165.98% 163.87% 182.58% 154.56% 15
Balance Sheet (IDR Billion) FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 3Q 2016 3Q 2017 y.o.y Total Assets 111,749 131,170 144,582 171,808 214,168 197,294 231,935 17.56% Total Earning Assets 101,538 118,305 132,192 157,049 195,780 179,765 207,729 15.56% - Term Deposit with BI 10,867 4,834 1,496 7,529 17,581 5,911 4,132-30.10% - Loans and Financing 81,411 100,467 115,916 138,956 164,446 153,814 184,502 19.95% - Securities 8,491 12,595 13,684 10,001 12,785 18,776 16,092-14.29% - Other Earning Assets 769 408 1,095 562 968 1,264 3,003 137.52% Provision on Earning Asset (997) (1,148) (1,581) (2,064) (2,132) (2,189) (2,284) 4.36% Others 11,208 14,013 13,972 16,823 20,520 19,718 26,490 34.34% Deposits 80,688 96,213 106,479 127,746 160,192 147,471 168,054 13.96% Securities Issued 7,137 8,837 7,939 10,937 12,935 12,935 17,931 38.63% Deposits from Other Banks 741 285 1,770 3,255 5,459 2,212 5,825 163.34% Repurchase Agreements 2,335 2,653 3,818 2,135 1,385 1,402 1,401-0.05% Borrowings 6,734 7,070 6,996 7,725 7,999 8,448 10,148 20.13% Others 3,834 4,556 5,329 6,151 7,068 6,676 7,985 19.62% Equity 10,279 11,557 12,253 13,860 19,131 18,151 20,590 13.44% 16
Asset Composition Total Assets (IDR Trillion) Assets Composition (%) 17
Earning Asset Composition Total Earning Asset (IDR Trillion) Earning Asset Composition (%) 18
Loans Composition: Focused on Housing Loans Loans Type 31-Dec-12 31-Dec-13 31-Dec-14 31-Dec-15 31-Dec-16 30-Sep-16 30-Sep-17 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 70,223 86.26% 87,005 86.60% 102,614 88.52% 124,927 89.90% 147,948 89.97% 140,104 91.09% 167,168 90.61% 19.32% Subsidized Mortgages 25,562 31.40% 28,429 28.30% 34,347 29.63% 43,527 31.32% 56,835 34.56% 52,260 33.98% 68,347 37.04% 30.78% Non-Subsidized Mortgages 29,129 35.78% 39,548 39.36% 45,601 39.34% 53,567 38.55% 60,469 36.77% 58,594 38.09% 65,971 35.76% 12.59% Other Housing Loans 6,070 7.46% 7,198 7.16% 8,179 7.06% 8,934 6.43% 8,723 5.30% 8,691 5.65% 8,618 4.67% -0.85% Construction Loan 9,462 11.62% 11,829 11.77% 14,486 12.50% 18,900 13.60% 21,921 13.33% 20,560 13.37% 24,233 13.13% 17.87% Non-Housing Loans 11,187 13.74% 13,463 13.40% 13,302 11.48% 14,029 10.10% 16,498 10.03% 13,710 8.91% 17,334 9.39% 26.44% Consumer Loan 1,923 2.36% 2,597 2.59% 2,916 2.52% 3,839 2.76% 4,738 2.88% 3,712 2.41% 4,078 2.21% 9.85% Commercial Loan 9,264 11.38% 10,865 10.81% 10,386 8.96% 10,190 7.33% 11,761 7.15% 9,997 6.50% 13,256 7.18% 32.59% Total Loans 81,411 100.00% 100,467 100.00% 115,916 100.00% 138,956 100.00% 164,446 100.00% 153,814 100.00% 184,502 100.00% 19.95% Gross Loan (IDR Trillion) Housing and Non-Housing Loans (%) Note : Figures on all graphs Include Sharia financing 19
Mortgages: Growth Remained Strong Total Mortgages (IDR Billion) Mortgage Composition (%) Subsidized Mortgages (IDR Billion) Non Subsidized Mortgages (IDR Billion) Note : Figures on all graphs Include Sharia financing 20
Loan Disbursement: Mainly Driven by Subsidized Mortgages IDR Trillion IDR Billion IDR Bio Loans Type FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 9 Months of 2016 2017 Housing Loans 28,041 33,955 34,029 41,812 47,216 31,552 38,628 22.43% Subsidized Mortgages 4,213 6,506 7,960 12,771 17,527 11,754 15,164 29.01% Non-Subsidized Mortgages 12,479 14,286 12,629 13,404 14,315 9,634 11,635 20.77% Other Housing 2,659 2,500 2,416 2,418 1,823 1,269 1,375 8.36% Construction Loan 8,690 10,663 11,023 13,219 13,551 8,895 10,455 17.53% Non-Housing Loans 9,679 10,338 7,569 9,434 12,043 6,411 10,401 62.25% Consumer Loan 1,809 2,389 2,564 4,268 4,779 2,934 4,474 52.49% Commercial Loan 7,870 7,949 5,005 5,166 7,264 3,477 5,927 70.49% Total Loans 37,720 44,293 41,598 51,246 59,259 37,962 49,030 29.15% y.o.y Note : Figures on graph and table Include Sharia financing 21
Loan Quality: NPL Continues to Improve Gross NPL (%) Net NPL (%) Note : Figures on all graphs Include Sharia financing 22
Loan Quality Breakdown: Better Commercial Loans Collectibility 31-Dec-12 31-Dec-13 31-Dec-14 31-Dec-15 31-Dec-16 30-Sep-16 30-Sep-17 IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share IDR Bn Share Current 68,420 84.04% 84,301 83.91% 95,262 82.18% 116,887 84.12% 142,963 86.94% 129,549 84.22% 157,241 85.22% Special Mentioned 9,665 11.87% 12,101 12.04% 16,004 13.81% 17,316 12.46% 16,807 10.22% 18,728 12.18% 21,589 11.70% PL 78,085 95.91% 96,402 95.95% 111,266 95.99% 134,203 96.58% 159,770 97.16% 148,278 96.40% 178,830 96.93% Substandard 686 0.84% 458 0.46% 338 0.29% 250 0.18% 260 0.16% 653 0.42% 465 0.25% Doubtful 542 0.67% 457 0.45% 454 0.39% 359 0.26% 333 0.20% 650 0.42% 565 0.31% Loss 2,098 2.58% 3,151 3.14% 3,859 3.33% 4,144 2.98% 4,083 2.48% 4,234 2.75% 4,642 2.52% NPL 3,326 4.09% 4,066 4.05% 4,650 4.01% 4,753 3.42% 4,676 2.84% 5,536 3.60% 5,672 3.07% PL + NPL 81,411 100.00% 100,467 100.00% 115,916 100.00% 138,956 100.00% 164,446 100.00% 153,814 100.00% 184,502 100.00% NPL Gross 4.09% 4.05% 4.01% 3.42% 2.84% 3.60% 3.07% NPL Netto 3.12% 3.04% 2.76% 2.11% 1.85% 2.40% 2.06% Loan Type 31-Dec 31-Dec 31-Dec 31-Dec 31-Dec 30-Sep (Gross) 2012 2013 2014 2015 2016 2016 2017 Housing Loans 3.93% 3.80% 3.43% 2.79% 2.36% 2.93% 2.69% Subsidized Mortgage 5.00% 5.24% 3.96% 2.48% 1.52% 2.05% 1.49% Non-Subsidized Mortgage 2.90% 2.61% 2.51% 2.57% 2.65% 3.00% 3.35% Other Housing Loans 3.08% 3.17% 3.47% 3.44% 3.59% 4.17% 4.63% Construction Loan 4.74% 4.75% 5.13% 3.81% 3.21% 4.44% 3.53% Non-Housing Loans 5.08% 5.60% 8.51% 9.02% 7.14% 10.32% 6.78% Consumer Loan 2.00% 2.03% 2.55% 2.17% 1.35% 2.54% 1.73% Commercial Loan 5.72% 6.63% 10.16% 11.57% 9.44% 13.16% 8.87% Total Loans 4.09% 4.05% 4.01% 3.42% 2.84% 3.60% 3.07% Note : Figures on all tables Include Sharia financing 23
Special-Mentioned Loan Special-Mentioned Loan (%) Special-Mentioned by Loan Type (%) Note : Figures Include Sharia financing 24
Restructured Loan Restructured Loan in 9M17 (IDR Billion) Restructured Loan by Quality in 9M17 (%) Restructured Loan Outstanding (IDR Billion) Note : Figures Include Sharia financing 25
Liabilities: Sufficient to Support Loan Growth Total Liabilities (IDR Trillion) Funding Composition (IDR Trillion) Funding Composition (%) 26
Deposits: Boost from CASA Total Deposits Mix (IDR Trillion) Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 3Q2016 3Q2017 y.o.y Current Account 13.27 19.12 23.23 31.37 45.85 38.16 44.51 16.65% Savings Account 21.54 24.24 25.55 30.76 34.83 29.08 37.17 27.83% Time Deposits 45.88 52.86 57.70 65.62 79.52 80.24 86.38 7.65% Total 80.69 96.21 106.48 127.75 160.19 147.47 168.05 13.96% CASA Composition (%) 27
Equity (1/2) Total Equity (IDR Trillion) CAR - BI (%) 28
Equity (2/2) 2012 2013 2014 2015 2016 Sep-16 Sep-17 Tier - 1 Capital 9,038 9,879 10,736 12,172 16,444 15,489 16,784 Tier - 2 Capital 582 722 797 1,721 3,776 3,854 3,547 Capital on B/S 10,279 11,557 12,253 13,860 19,131 18,151 20,590 RWA - Credit Risk 46,582 57,749 66,251 70,474 86,189 80,413 103,804 RWA - Market Risk 182 284 226 223 344 583 1,042 RWA - Operational Risk 6,557 8,229 9,856 11,185 12,899 12,899 14,934 RWA - Total 53,321 66,262 76,333 81,882 99,432 93,896 119,780 CAR Tier 1/(RWA Credit + Market + Ops Risk) 16.95% 14.91% 14.07% 14.87% 16.54% 16.50% 14.01% CAR B/S/(RWA Credit + Market Risk) 21.98% 19.91% 18.43% 19.60% 22.11% 22.41% 19.64% CAR B/S/(RWA Credit + Market + Ops Risk) 19.28% 17.44% 16.05% 16.93% 19.24% 19.33% 17.19% CAR BI ((Tier 1+2)/(RWA Credit + Market Risk)) 20.17% 17.84% 16.81% 19.65% 23.37% 23.88% 19.39% CAR BI ((Tier 1+2)/(RWA Credit + Ops Risk)) 17.75% 15.69% 14.68% 17.01% 20.41% 20.73% 17.12% CAR BI ((Tier 1+2)/(RWA Credit + Market + Ops Risk)) 17.69% 15.62% 14.64% 16.97% 20.34% 20.60% 16.97% CAR Tier 2 2.10% 3.80% 4.10% 2.96% Capital Conservation Buffer 0.63% 0.63% 1.25% Countercyclical Buffer 0.00% 0.00% 0.00% Capital Surcharge (D-SIB) 0.25% 0.25% 0.50% 29
Income Statement (IDR Billion) FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 3Q 2016 3Q 2017 y.o.y Interest Income 9,106 11,197 13,374 15,567 17,852 12,817 14,431 12.59% Interest Expense (4,379) (5,558) (7,893) (8,700) (9,600) (7,219) (7,884) 9.21% Net Interest Income 4,726 5,639 5,482 6,867 8,252 5,598 6,547 16.95% Other Operating Income 577 798 923 1,132 1,285 892 1,209 35.50% Other Operating Expense (3,438) (4,301) (4,828) (5,465) (6,184) (4,294) (5,169) 20.38% Profit From Operating 1,865 2,136 1,577 2,534 3,352 2,197 2,587 17.79% Non Operating Income (Expense) (8) 5 2 8 (22) (7) (8) 15.49% Profit Before Tax 1,857 2,141 1,579 2,542 3,330 2,190 2,579 17.79% Net Profit 1,364 1,562 1,146 1,851 2,619 1,621 2,005 23.68% 30
Interest Income Composition (IDR Billion) FY2012 FY2013 FY2014 FY2015 FY2016 9M2016 9M2017 Y.o.Y Placement with Bank Indonesia 46 74 81 107 111 88 109 23.45% Placement with other bank 52 63 40 37 56 45 14-68.63% Securities 534 726 982 858 971 719 721 0.33% Loan 7,901 9,605 11,353 13,523 15,458 11,098 12,510 12.72% Income from Syariah 573 729 919 1,042 1,256 867 1,077 24.23% Total 9,106 11,197 13,374 15,567 17,852 12,817 14,431 12.59% 31
Interest Expense Composition (IDR Billion) FY2012 FY2013 FY2014 FY2015 FY2016 9M2016 9M2017 Y.o.Y Bank Indonesia 8 5 2 1.06 - - - - Deposits from other Banks 20 39 84 328 285 248 298 20.30% Deposits from Non Banks 3,118 4,082 6,290 6,750 7,363 5,501 5,920 7.62% Securities Issued 674 826 787 883 1,088 796 968 21.69% Fund Borrowings 400 450 529 516 718 551 626 13.55% Others 159 157 201 222 147 123 71-42.04% Total 4,379 5,558 7,893 8,700 9,600 7,219 7,884 9.21% 32
Other Operating Income Composition (IDR Billion) *) Reclassified FY2012 FY2013 FY2014 FY2015 FY2016 9M2016 9M2017 Y.o.Y Marked to market 9 17 7-10 54 50-7.78% Gain 17 32 112 170 273 171 310 81.69% Reversal on Provisions - 8 5 7.51 0.10 0.04 1.45 3796.01% Commissions, Services & Admin Fee *) 11 31 496 596 656 447 616 37.93% Others *) 541 709 303 358 347 220 231 4.70% Total 577 798 923 1,132 1,285 892 1,209 35.50% 33
Other Operating Expense Composition (IDR Billion) FY2012 FY2013 FY2014 FY2015 FY2016 9M2016 9M2017 Y.o.Y Provisions 214 441 777 901 708 480 598 24.69% Salaries & Employee Benefit 978 1,161 1,260 1,459 1,619 1,279 1,524 19.21% Electricity, Telp, Office Supp. 384 365 494 591 660 470 589 25.39% Others 355 337 227 422 452 351 410 16.85% Rent, Service & Maintenance 376 482 542 563 703 466 559 19.90% Depreciation 267 279 226 196 219 162 160-1.29% Promotion 275 411 509 417 402 245 328 33.81% Collector Fees & Consultant 313 386 451 544 684 492 587 19.21% Insurance Premium 145 175 217 245 303 230 279 21.40% Training 117 110 107 106 136 103 116 13.11% Research & Development 4 4 6 7 14 9.0 7.5-16.23% Other Taxes 11 6 8 8 9 7 8 4.64% Gain 0 1 3 4 2 - - - Marked to Market - 144 0.00 0.19 0.00 0.0004 1.10 259552.62% Allowance related to Operational Risk - - - - 273.50-1.61 - Total 3,438 4,301 4,828 5,465 6,184 4,294 5,169 20.38% 34
Key Financial Ratios (1/4) Net Income (IDR Billion) Net Interest Margin Cost Income Ratio *) Note : *) Reclassified 35
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 36
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 37
Key Financial Ratios (4/4) Loan-to-Deposit Ratio Liquidity Coverage Ratio 38
5. Sharia Business 39
Sharia Business Sharia Net Profit (IDR Billion) Sharia Assets (IDR Billion) Sharia Deposits (IDR Billion) 40
Sharia Financings & NPF Sharia Financings (IDR Billion) Sharia Disbursement (IDR Billion) Sharia NPF (Gross) (%) Sharia NPF (Net) (%) 41
6. Appendices 42
Shares Information Share Ownerships Composition as of Sep 30, 2017 Ownership # of Shares % G O I 6,354,000,000 60.00% Public 4,236,000,000 40.00% - Domestic 1,271,296,075 12.00% - Foreign 2,964,703,925 28.00% Total 10,590,000,000 100.00% Period Opening Lowest Highest Closing Average Volume (Lots) PBV (x) BVPS Market Cap (IDR Million) 3Q 2017 2,600 2,320 3,340 3,150 160,448 1.62 1,944 33,358,500 3Q 2016 1,700 1,690 2,100 1,920 225,578 1.12 1,714 20,332,800 % (yoy) 52.94% 37.28% 59.05% 64.06% -28.87% 44.62% 13.44% 64.06% IPO by listed on IDX on 17 December 2009 at IDR800 per share Rights issue successfully done in November 2012 by issuing additional 1.512.857.500 new shares Market cap as of Sep 30, 2017 was IDR 33.36 Trillion 43
Outlets Sumatera Regional Offices 1 Branch Offices 11 Sub Branch Offices 38 Cash Outlets 58 Sharia Outlets 10 Priority Outlet 6 Post Offices 700 ATMs 256 Jawa Regional Offices 3 Branch Offices 43 Sub Branch Offices 166 Cash Outlets 372 Sharia Outlets 49 Priority Outlet 26 Post Offices 1,627 ATMs 1,437 Kalimantan Regional Offices - Branch Offices 5 Sub Branch Offices 15 Cash Outlets 17 Sharia Outlets 3 Priority Outlet 5 Post Offices 299 ATMs 94 I N D O N E S I A Bali & Nusa Tenggara Regional Offices - Branch Offices 3 Sub Branch Offices 6 Cash Outlets 10 Sharia Outlets - Priority Outlet 2 Post Offices 141 ATMs 50 Sulawesi Regional Offices 1 Branch Offices 6 Sub Branch Offices 14 Cash Outlets 19 Sharia Outlets 3 Priority Outlet 2 Post Offices 126 ATMs 103 Papua & Maluku Regional Offices - Branch Offices 3 Sub Branch Offices 3 Cash Outlets 3 Sharia Outlets - Priority Outlet - Post Offices 61 ATMs 24 2012 2013 2014 2015 2016 3Q2016 3Q2017 Regional Offices 3 3 3 4 4 4 5 Branch Offices 65 65 65 65 65 65 71 Sub Branch Offices 223 223 223 223 243 228 242 Cash Outlets 415 479 479 479 477 479 479 Sharia Outlets 50 50 50 50 65 54 65 Priority Outlet 13 23 34 39 40 39 41 Total Outlets 769 843 854 860 894 869 903 Post Offices 2,922 2,922 2,951 2,951 2,951 2,951 2,954 ATMs 1,404 1,504 1,830 1,830 1,900 1,830 1,964 Employees 7,142 8,011 8,582 9,042 9,380 9,051 10,174 44
THANK YOU Investor Relations PT Bank Tabungan Negara (Persero) Tbk Menara BTN Lt. 20 - Jl Gajah Mada No. 1 Jakarta Pusat 10130 Telp : +62 21 63870142 / +62 21 63870107 Facs: +62 21 63870104 Email : investor_ relations@btn.co.id Website : www.btn.co.id 45