TerasBRI - Performance
TerasBRI - Contribution to Micro Loan Deposit
14
Note: Numbers stated in this presentation are bank only
IDR Trillion
Loan Deposit
• TerasBRI continuously shows strong performance with loan growth of
28.0 and deposit growth of 24.0 yoy.
• Contribution of Teras BRI to Micro business performance keep
increasing, in Sep ’16 reached 10.1
and 4.7 of total micro loan and deposit
0.9 1.8
3.5 3.8
4.4 4.3
4.7
2011 2012 2013 2014 2015 Sep15 Sep16
Deposit in Teras
3.2 5.0
7.6 8.8
9.8 9.5
10.1
2011 2012
2013 2014
2015 Sep15 Sep16
Loan in Teras
• Increase productivity in terms BRI as outlet expansion growth slower
2.9 5.3
10.0 13.5
16.9 16.1
20.6
1.0 2.3
5.1 6.3
8.5 7.5
9.3
1304 2128
2671 3067
3179 3154
3193
500 1000
1500 2000
2500 3000
3500
2011 2012
2013 2014
2015 Sep15
Sep16
Loan Deposit
of Teras BRI
15
Note: Numbers stated in this presentation are bank only
BRILink is utilization of BRI’s e-banking infrastructure by third parties BRILink Agent through fee sharing scheme
of Agent of Transaction
in Million Transaction Volume
in Rp Trillion
of Agent - Distribution of Transaction - Distribution
Transaction Volume - Distribution
13.2 23.6
15.1 35.2
60.2
Sep15 Dec15
Mar16 Jun16
Sep16
In Sep ’16, Java 53
dominates the Agent distribution
In line with the Agent distribution, Java dominates
the total BRILink transaction The transaction volume is
distributed fairly among region
93.4 YoY 357.1 YoY
329.8 YoY
35,955 50,259
59,318 65,341
69,552
Sep15 Dec15
Mar16 Jun16
Sep16
20.4 35.9
21.0 50.8
87.5
Sep15 Dec15
Mar16 Jun16
Sep16
Java 53 Sumatra
23 Mid
Eastern Part 25
Java 44 Sumatra
28 Mid
Eastern Part 27
Java 32
Sumatra 35
Mid Eastern
Part 32
16
Small Commercial Medium Loans
17
Small Commercial Medium
IDR Trillion IDR Trillion
YoY g = 5.3
YoY g = 8.9
13 .8
16 .5
20 .3
20 .2
20 .2
19 .5
20 .5
7.11
5.09 4.38
5.91 5.82 7.26
6.52
0.00 1.00
2.00 3.00
4.00 5.00
6.00 7.00
8.00
0.0 5.0
10.0 15.0
20.0 25.0
2011 2012
2013 2014
2015 Sep15 Sep16
Total Loan NPL
62 .9
70 .2
87 .1
97 .4
108 .5
99 .0
105 .9
4.7 5.4
6.9 7.6
3.3 4.3
1.3 2.7
0.4 5.8
67.6 75.6
94.0 105.1
114.5 103.7
113.0 4.53
3.75 3.13
3.21 2.90
3.87 3.66
-3.00 -2.00
-1.00 0.00
1.00 2.00
3.00 4.00
5.00
-30.0 20.0
70.0 120.0
170.0 220.0
2011 2012
2013 2014
2015 Sep15
Sep16 Commercial Non KUR
Retail KUR New Retail KUR
Total Loan NPL
18
Consumer Loans
19
Note: Numbers stated in this presentation are bank only
Composition Loan Outstanding IDR Trillion
NPL Sept’16
Sept’15
Increase salary based loan composition with growth of 13.3 YoY and maintaining NPL level around 1.5
YoY g = 12.9
43.8 49.0
57.5 62.4
69.5 67.2
76.2 12
12.5 16.4
18.2 19.0
18.5 20.7
55.8 61.5
73.9 80.6
88.5 85.8
96.8
2011 2012
2013 2014
2015 Sep15 Sep16
Salary Based Loan Other
Total Consumer
1.53 1.60
1.40 1.21
1.30 1.61
1.53
2011 2012
2013 2014
2015 Sep15 Sep16
1.8 1.9
17.9
78.4 78.7
17.5 2.3
1.6
Others Vehicle Loans
Mortgage Salary Based Loan
20
SoE Corporate Loans
21
Loan Outstanding – Trend IDR Trillion
NPL – Trend
By Business Segment
Corporate Loans SOE Loans
Grow the corporate segment in priority sectors to help maintain quality mix ….
YoY g = 20.4
0.97 0.47
0.38 0.77
2.30 1.71
2.20
2011 2012
2013 2014
2015 Sep 15
Sep 16
NPL 2011
2012 2013
2014 2015
Sep 15 Sep 16
SOE
0.00 0.00
0.00 0.00
0.00
0.00
0.00
Corp
2.24 1.00
0.87 1.78
4.78
3.62 4.78
32 49.8
62.5 74.1
81.2 73.7
90.9 24.3
38 47.7
57.1 75.1
66.0 77.3
56.3 87.8
110.2 131.2
156.3 139.7
168.3
2011 2012
2013 2014
2015 Sep 15
Sep 16
SOE Corporate
Agribusiness, 35.61
Construction, 4.29
Industry, 31.92
Infrastructure, Utilities,
8.14 Mining, 2.28
Oil Gas, 6.79 Others
6.49 Transportation, 2.6
7 Agribusiness
30.36
Construction, 0.33
Industry 17.17
Infrastructure, Utilities
29.01 Mining, 1.76
Oil Gas 8.86
Others 5.37
Transportation 2.06
22
Fee Based Income
23
Note: Numbers stated in this presentation are bank only
• Fee based income grew at 25.9 yoy and currently FBI to Total Income reach 8 .
2 • E-banking related Fees increased, yoy, 42.2, raising it’s portion from 22 to 25 of the total Fee Based Income.
Sep’15 Sep’16
Nominal
in billion
Fee Based Income
YoY g = 25.9
FBI Rp Trillion
Deposit Adm Fee Credit Card
E-Banking Related Fee Payment Service
Loan Adm Fee Others
Intl Business Related Fee 2,858
55 1,147
22 346
7 386
7 95
2 183
3 201
4
3,008 46
1,631 25
740 11
614 9
106 2
209 3
261 4
3.4 3.9
4.9 6.1
7.4
5.2 6.6
24
Key Take Aways
25
• Strong loan growth in 9M16 of 16.3 yoy was supported by Micro, Consumer and SOE segments.
• Manageable NIM due to stable COF and LDR. • Slightly lower NPL and SML of 2.22 and 5.73 consecutively but
there’s an increase in restructuring loan reaching 5.38 of total loan outstanding.
• Moderate growth of EPS by 1.8 yoy to increase the NPL coverage ratio from 150.0 in 9M15 to 166.6 this quarter.
26
Appendixes
27
Description 2011
2012 2013
2014 2015
Q116 1H16
9Mo16
Cost of Fund COF 4.70
3.68 3.71
4.38 4.24
3.98 3.96
3.98 Loan to Deposit Ratio
76.20 79.85
88.54 81.68
86.88 88.81
90.03 90.68
Net Interest Margin NIM 9.58
8.42 8.55
8.51 8.13
8.09 8.43
8.41 NPL ratio - Gross
2.30 1.78
1.55 1.69
2.02 2.22
2.31 2.22
NPL ratio - Nett 0.42
0.34 0.31
0.36 0.52
0.59 0.60
0.57 Earning Asset Provision
4.51 3.43
2.90 2.40
2.37 2.54
2.75 2.89
Opr. Expense to Opr. Income 66.69
59.93 60.58
65.42 67.96
72.10 72.40
72.41 Cost Efficiency Ratio CER
41.17 43.11
42.13 43.18
43.81 42.86
44.42 44.24
Tier I CAR 13.67
15.86 16.13
17.54 16.76
15.84 18.56
20.88 Total CAR
14.96 16.95
16.99 18.31
20.59 19.49
22.10 21.88
Return on Assets ROA - b.t 4.93
5.15 5.03
4.73 4.19
3.65 3.68
3.59 Return on Assets ROA - a.t
3.97 4.04
3.85 3.72
3.28 2.95
2.88 2.92
Return on Equity ROE - Tier I 42.49
38.66 34.11
31.19 29.89
26.55 25.24
23.97 Return on Equity ROE - BS
35.10 32.41
30.10 27.87
24.39 21.44
20.51 20.00
Min. Reserve Requirement 9.33
10.64 8.02
8.07 9.31
6.52 6.54
6.64 Net Open Position
5.49 3.00
3.15 3.86
2.33 5.13
3.29 10.56
CASA 61.28
59.94 59.22
53.55 59.21
56.54 56.89
57.61
Note: √ Numbers stated in this presentation are bank only
√ As of January 2015: - Implementation of Basel 3: recognition of 100 current year net profit into capital, previously only 50
- Ref to PBI No. 15122013 : appropriated reserves is categorized as Tier 2 Capital, previously Tier 1 Capital √ Increase Asset and Capital in 1H2016 due to asset revaluation recognition amounting to Rp.14.3T
√ Tier 1 CAR in Q3 2016 increased due to reclassification of appropriated reserve Tier 2 to retained earning Tier 1
28
Note: Numbers stated in this presentation are bank only IDR Billion
IDR Billion
IDR Billion
Total Income
Interest Income
Fee Other Operating Income
Total Income 2015
9Mo15 9Mo16
gYoY
Q116 Q216
Q316
gQoQ
Interest income
82,221 60,922
67,938 11.5
21,840 23,169
22,929 -1.0
Fee Other Opr.Income
12,224 8,355
10,996 31.6
3,311 4,287
3,398 -20.7
Non Operating Income net
1,947 1,225
1,133 -7.6
573 283
277 -2.3
Total Income
96,391 70,502
80,067 13.6
25,724 27,739
26,604 -4.1
Interest Income 2015
9Mo15 9Mo16
gYoY
Q116 Q216
Q316
gQoQ
Interest from Loans
73,376 54,035
60,612 12.2
19,165 20,631
20,816 0.9
Int. from Other Earning Assets
8,845 6,887
7,326 6.4
2,675 2,538
2,113 -16.7
Total Interest Income
82,221 60,922
67,938 11.5
21,840 23,169
22,929 -1.0
Fee Other Operating Income 2015
9Mo15 9Mo16
gYoY
Q116 Q216
Q316
gQoQ
Gain Fr Value Increase of Securities and Govt. Recap Bonds
63 56
310 459.1
78 133
99 -25.3
Gain fr unrealized change fair value and Govt. Recap Bonds
3 6
9 -254.9
Fees and Commissions
7,352 5,216
6,569 25.9
1,967 2,175
2,427 11.6
Gain fr Forex
458 554
- -100.0
- -
-
Recovery
2,334 1,577
2,088 32.4
595 684
809 18.3
Others
2,017 953
2,029 112.9
668 1,289
72 -94.4
Total Fee Other Opr. Income
12,224 8,355
10,996 31.6
3,311 4,287
3,398 -20.7
29
Note: Numbers stated in this presentation are bank only IDR Billion
Other Operating Expenses 2015
9Mo15 9Mo16
gYoY
Q116 Q216
Q316
gQoQ
Personnel
15,961 11,335
14,389 26.9
4,264 5,664
4,461 -21.2
General and Administration
9,918 6,990
7,847 12.3
2,416 2,818
2,613 -7.3
Losses fr decrease of Securities and Govt. Bonds value
7 25
2
-
92.6 -
- 2
Losses from forex transaction
- -
454 73
180 201
11.4
Premium Paid on Govt Guarantees
1,248 1,214
974 -19.8
320 320
334 4.4
Promotion
858 531
699 31.6
168 307
224 -27.2
Others
1,897 1,741
2,310 32.7
785 430
1,094 154.3
Total Other Opr. Expenses
29,889 21,837
26,675 22.2
8,025 9,720
8,929 -8.1
30
IDR Billion
Description 2011
2012 2013
2014 2015
Sep15 Sep16
YoY Total Assets
469,899 551,337 626,183 801,984 878,426 802,299 931,693 16.1
- Gross Loans 294,515 362,007 448,345 510,697 581,095 540,989 630,902
16.6 - Government Bonds Recap
8,996 4,316
4,511 4,304
3,816 4,069
3,818 -6.2
- Other Earnings Assets 129,136 132,720 115,690 213,094 197,021 180,059 202,771
12.6 Total Earning Assets
432,647 499,042 568,546 728,094 781,931 725,117 837,490 15.5
Earning Assets Provision 16,092 14,916 15,419 16,163 17,532 17,940 23,165
29.1 Total Earning Assets net
416,555 484,126 553,127 711,931 764,399 707,177 814,325 15.2
Total Non Earning Assets 53,345
67,211 73,055
90,053 114,027 95,122 117,368
23.4
Total Liabilities S.E 469,899 551,337 626,183 801,984 878,426 802,299 931,693
16.1
Total Customer Deposits 384,264 450,166 504,281 622,322 668,995 635,948 694,843
9.3 - Demand Deposits
76,779 80,075
79,337 90,052 114,367 111,198 116,587
4.8 - Saving Deposits
154,133 184,365 212,997 236,395 272,471 238,132 273,425 14.8
- Time and Certificate Deposits 153,353 185,726 211,948 295,875 282,157 286,618 304,832
6.4 Other Interest Bearing Liabilities
19,361 15,784
20,896 57,435
68,601 31,830
65,108 104.5
Non Interest Bearing Liabilities 16,454
20,505 21,678
24,522 27,703
26,888 30,801
14.6 Tier I Capital
38,809 52,325
67,270 83,344
93,437 90,497 134,621
48.8 Total Shareholders Equity
49,820 64,882
79,327 97,706 113,127 107,632 140,941
30.9
Note: √ Numbers stated in this presentation are bank only
√ As of January 2015: - Implementation of Basel 3: recognition of 100 current year net profit into capital, previously only 50
- Ref to PBI No. 15122013 : appropriated reserves is categorized as Tier 2 Capital, previously Tier 1 Capital √ Increase Asset and Capital in 1H2016 due to asset revaluation recognition amounting to Rp.14.3T
√ Tier 1 CAR in Q3 2016 increased due to reclassification of appropriated reserve Tier 2 to retained earning Tier 1
31
annualized
IDR Billion
Description 2011
2012 2013
2014 2015
9Mo15 9Mo16
YoY
Interest Income 48,164
49,610 59,461
75,122 85,434
63,336 70,577
11.4 Interest Expense
13,737 13,127
15,355 23,680
27,154 20,436
20,519 0.4
Net Interest Income 34,427
36,484 44,106
51,442 58,280
42,901 50,058
16.7 Net Premium Income
