2Q2011 Presentation Eng Update Rev 1
2Q 2011 - 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.
Table of Contents
Ownership
Board of Commissioners
Board of Directors
Income Statement Highlight
Strategy (Road Map)
Distribution Network
Balance Sheet Highlight
Financial Highlight
Key Financial Indicators
Loan Breakdown
The Big 5 Debtors
Deposits Breakdown
Human Capital
Awards
1
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
Local
Local Retail
EMSA
Cooperatives
Foundations
Pension Funds
Insurances
LLC
Mutual Funds
Foreign
Foreign Retail
Foreign Institutional
B Series Total
Shares, as of June'11
898,730,500
53,099,000
260,000
16,186,000
216,757,500
277,757,000
77,180,027
242,418,000
3,366,000
638,318,473
2,424,072,500
%
73.53%
37.08%
2.19%
0.01%
0.67%
8.94%
11.46%
3.18%
10.00%
26.47%
0.14%
26.33%
2
Board of Commissioners
Agus Ruswendi, President Commissioner
Experiences : President Director – bank bjb (2007 - 2011, Director of Funding & Services – bank bjb (2005 - 2007), Head of
Treasury – bank bjb (2004 - 2005), Head of Branch – bank bjb , Jakarta (2003 - 2004) and Head of Branch – bank bjb, Serang
(2000 - 2002),
Muhadi, Commissioner
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 (2006 - 2008),
Achmad Baraba, Independent Commissioner
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
(2002 - 2007), Member of Fit
and Proper Test Team at Bank of Indonesia (1999 - 2007) dan Oversight Director at Bank Muamalat Indonesia (1996 - 1999),
Klemi Subiyantoro, Independent Commissioner
Experiences include Independent Commissioner of bank bjb(2008 - Present), Independent Commissioner of PT Adhi Karya
(Persero) Tbk (2006 - 2008), Head of Audit Committee of PT Adhi Karya (Persero) Tbk (2006 - 2008) and Member of Audit
Committee of PT Semen Gresik (Persero) Tbk (2006 - 2007),
Yayat Sutaryat, Independent Commissioner
Experiences include Independent Commissioner of Citra Bangun Selaras (2010- Present), Head of Regional
Management Financial Kab. Bandung (2007 - 2010), Head of Regional Financial Administration Kab. Bandung
(2001 - 2007),
3
Board of Directors
Bien Subiantoro
President Director
Since July 2011
Previously: Senior Advisor Bank Mandiri,
Managing Director of BNI, 2003 - 2010
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
Banking BNI
4
Income Statement Highlight
Income Statement Highlight
Interest Income
Interest Expense
Net Interest Income
Other Operating Income
Operating Expense
Non Operating Income
Non Operating Expense
Net Non Operating Income
Profit Before Tax
Net Profit
Q2 2011
Q2 2010
YoY (%)
FY 2010
2,817,409
2,237,363
25.93%
4,894,312
(1,352,085)
(961,077)
40.68%
(2,254,731)
1,465,324
1,276,286
14.81%
2,639,581
215,039
254,221
(15.41%)
277,712
(982,339)
(814,793)
20.55%
(1,726,755)
30,516
12,637
141.48%
29,090
-
-
-
-
30,516
12,637
141.48%
29,090
728,640
728,351
0.04%
1,219,628
544,000
545,592
(0.29%)
890,171
5
Road Map
A Strong Sustainable Growth and Profitable National Bank
2011-2012
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
2013-2014
2015
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
Business and Strategic Alliances
Sustainable Growth and
Profitable
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
Distribution
Network
Risk
Management
& Compliance
Accounting
and Financial
Reporting
Investor
Relations
7
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
• MSME Center
Expansion
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
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
Operations
• Build Central
Operations
Straight Thru
Processing (STP)
• Build e-banking
operations and
Trade Processing
Center
Investor
Relations
• Build
communications
infrastructure with
Investors, Media,
• and build corporate
image.
• Compliance Policy
8
Business Strategy
2nd Half of Year 2011
Enhancement Organization Structure
• Establishment of two regional business areas (Jakarta and Bandung), International
Banking and Institutional Banking Divisions
• Recruitment of IT, International and Institutional Banking Division Heads.
Products / Brand
• Call Name bjb on all products and services.
• Strengthening and growing consumer loans “KGB” as a champion product.
• Improve Service Quality and benchmark with top five national bank.
Risk Management
• Review authorization limit for Commercials Loan Underwriting.
Treasury
• Improve and Enhance yield of tertiary reserve.
9
Organizing
Funding, Lending and Services
Regional Office
Funding
Institutional
Banking for
Corporates &
Commercials
Banking
Customers
Branch For
Retail
Banking
Customers
Lending
SME and
Commercial
Banking
Center for
Commercials
and Micro
Segment
Branch For
Consumer
Loans and
Micro
Segment
Services
BRANCHES
Head Office
Supervision
10
Distribution Network
Bank bjb Distribution Network
June 2011
51 Main Branches
174 Sub Branches
46 Cash Outlets
54 Payment Points
7 Mobile Cash
432 ATMs
Main 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
Main Branches Expansion Plan, Second half of the Year 2011
Palembang
(South Sumatera)
Bandarlampung
(Sumatera)
Banjarmasin
(South Kalimantan)
Solo
(Central Java)
ATM Expansion Plan, Second half of the year 2011
92 ATMs
11
Balance Sheet Highlight
Balance Sheet Highlight
Q2 2011
FY 2010
Q2 2010
YtD (%)
YoY (%)
Total Asset
49,326,302
43,445,700
40,239,427
13.54%
22.58%
Lending
47,561,410
41,585,564
38,572,986
14.37%
23.30%
- Loans & Financing
26,605,351
23,669,719
21,450,244
12.40%
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
5,275,309
138.91%
9.27%
35,214
35,215
33,939
0.00%
3.76%
Funding
43,409,886
37,065,628
36,103,800
17.12%
20.24%
Third Party Deposits
36,227,134
31,953,462
32,738,031
13.37%
10.66%
- Current Account
10,029,756
7,610,326
10,808,928
31.79%
(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
18,402,409
13.04%
19.58%
Others Deposit
7,182,752
5,112,166
3,365,769
40.50%
113.41%
- Deposits form Others Bank
3,429,637
3,353,645
1,606,621
2.27%
113.47%
- Bond Issued
3,741,335
1,745,936
1,745,138
114.29%
114.39%
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
12
Financial Highlight
Financial Highlight
Q2 2011
FY 2010
Q2 2010
YtD (%)
YoY (%)
Total Asset (Rp, Mio)
49,326,302
43,445,700
40,239,427
13.54%
22.58%
Total Loans (Rp, Mio)
26,605,351
23,669,719
21,450,244
12.40%
24.03%
Total Deposits (Rp, Mio)
36,227,134
31,953,462
32,738,031
13.37%
10.66%
Equity (Rp, Mio)
4,963,382
4,990,993
3,170,298
(0.55%)
56.56%
Net Profit (Rp, Mio)
544,000
890,171
545,592
Tier I
19.40%
22.64%
16.27%
CAR
19.21%
22.85%
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%
(0.29%)
13
Key Financial 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
15,51
2005
3,17
1,50
2006
2007
2008
2009
Jun-10
2010
Jun-11
2005
2006
Loan
2007
2008
2009
Jun-10
2010
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
11,53
2005
2006
2007
2008
2009
Jun-10
2010
Jun-11
2005
2006
2007
2008
2009
Jun-10
2010
Jun-11
14
Key Financial Indicators (con’t)
Gross Profit
Net Profit
1.219.628
890.171
985.377
709.106
818.946
446.889
504.297
728,640
552.707
256.636
2005
2006
2007
2008
2009
2010
Jun 11
544,000
542.162
2005
302.442
2006
370.667
2007
2008
2009
2010
Jun 11
15
Key Financial 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%
2006
2007
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
Return On Equity
Return On Asset
4,08%
28,09%
3,31%
2,63%
18,93%
3,24%
3,04%
2006
2007
24,95%
24.24%
19,41%
24,98%
3,15%
18,01%
2,40%
2005
37,28%
3,15%
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
16
Key Financial Indicators (con’t)
Net Interest Margin
Loan To Deposit Ratio
82,47%
75,67%
8,45%
9,77%
7,74%
6,38%
87,33%
6,77%
7,63%
71,14%
79,02%
89,44%
71,85%
63,73%
7,32%
5,97%
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
Operational Expenses to Operational Income
80,39%
79,42%
78,04%
75,41%
77,30%
76,60%
70,80%
2005
2006
2007
2008
2009
Jun 10
2010
75,47%
Jun 11
17
Loan Breakdown
Conventional Loan Breakdown
June 2011
Segment
Micro Loans
16,76%
10,97%
Consumer Banking
72,26%
Micro Banking
Commercial Banking
Consumer
Loans
Commercial
Loans
Total Loan
∆Rp
(Outs)
NPL (%)
Gross
18,176 17.37%
964B
3.56%
2,69T
0.19%
4,216 28.57%
936B
10.85%
25,152 24.03%
4,6 T
2.41%
Outstanding
(Rp. Bio)
Growth
YoY
2,760 53.72%
18
Acquiring New Market
Civil Servant Loan
Methods
Total Outstanding per Jun’11
(Rp. Mio)
Channelling
316.552
Asset Buy
487.193
Total
803.745
Acquired from 3 (three) Regional Development Banks :
•
Bank Sulselbar
•
2 banks withheld
19
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
20
Deposits Breakdown
Conventional Deposits Breakdown
June 2011
Rp. Billions
March 2011
(%)
Rp. Billions
December 2010
(%)
Rp. Billions
(%)
Government Related Funds
16,584
47.57%
13,713
41.71%
7,329
23.63%
Corporate
11,765
33.75%
12,721
38.69%
16,762
54.04%
Retail
6,512
18.68%
6,442
19.59%
6,927
22.33%
TOTAL
34,861
100%
32,876
100%
31,018
100%
Deposits Breakdown
June 2011
Government Related Funds
Corporate
Deposits Breakdown
March 2011
Retail
Government Related Funds
18,68%
19,59%
47,57%
33,75%
Conventional Deposits Breakdown
Corporate
Retail
41,71%
38,69%
June 2011
Rp. Billions
March 2011
(%)
Rp. Billions
December 2010
(%)
Rp. Billions
(%)
Current Account
9,967
28.59%
9,970
30.33%
7,458
24.04%
Saving Account
4,019
11.53%
3,811
11.59%
4,691
15.12%
Time Deposit
20,875
59.88%
19,095
58.08%
18,869
60.83%
TOTAL
34,861
100%
32,876
100%
31,018
100%
21
Human Capital
Positions
March 2011
June 2011
Board of Commisioners
5
5
Directors
4
4
19
20
Middle Management
137
150
First Line Management
720
744
1095
1202
13
10
Total Permanent
1,993
2,135
Non Permanent
3,257
3,429
Total
5,250
5,563
Top Management
Staff
Employee in Pension Preparation
22
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
23
Awards
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 2010
Financial Performances
• Bandung Service Excellence Award, The Best Bandung Service
Excellence Champion, Category: Conventional Banking
• Investor Award, Best CEO, Category: Regional Bank
2010
2009
• 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
24
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
• Director, Shahyohan Johnny Azis
25
Q &A
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN,Tbk.
INVESTOR RELATIONS
MENARA bank bjb
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868 ext 7008/7005
[email protected]
26
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.
Table of Contents
Ownership
Board of Commissioners
Board of Directors
Income Statement Highlight
Strategy (Road Map)
Distribution Network
Balance Sheet Highlight
Financial Highlight
Key Financial Indicators
Loan Breakdown
The Big 5 Debtors
Deposits Breakdown
Human Capital
Awards
1
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
Local
Local Retail
EMSA
Cooperatives
Foundations
Pension Funds
Insurances
LLC
Mutual Funds
Foreign
Foreign Retail
Foreign Institutional
B Series Total
Shares, as of June'11
898,730,500
53,099,000
260,000
16,186,000
216,757,500
277,757,000
77,180,027
242,418,000
3,366,000
638,318,473
2,424,072,500
%
73.53%
37.08%
2.19%
0.01%
0.67%
8.94%
11.46%
3.18%
10.00%
26.47%
0.14%
26.33%
2
Board of Commissioners
Agus Ruswendi, President Commissioner
Experiences : President Director – bank bjb (2007 - 2011, Director of Funding & Services – bank bjb (2005 - 2007), Head of
Treasury – bank bjb (2004 - 2005), Head of Branch – bank bjb , Jakarta (2003 - 2004) and Head of Branch – bank bjb, Serang
(2000 - 2002),
Muhadi, Commissioner
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 (2006 - 2008),
Achmad Baraba, Independent Commissioner
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
(2002 - 2007), Member of Fit
and Proper Test Team at Bank of Indonesia (1999 - 2007) dan Oversight Director at Bank Muamalat Indonesia (1996 - 1999),
Klemi Subiyantoro, Independent Commissioner
Experiences include Independent Commissioner of bank bjb(2008 - Present), Independent Commissioner of PT Adhi Karya
(Persero) Tbk (2006 - 2008), Head of Audit Committee of PT Adhi Karya (Persero) Tbk (2006 - 2008) and Member of Audit
Committee of PT Semen Gresik (Persero) Tbk (2006 - 2007),
Yayat Sutaryat, Independent Commissioner
Experiences include Independent Commissioner of Citra Bangun Selaras (2010- Present), Head of Regional
Management Financial Kab. Bandung (2007 - 2010), Head of Regional Financial Administration Kab. Bandung
(2001 - 2007),
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Board of Directors
Bien Subiantoro
President Director
Since July 2011
Previously: Senior Advisor Bank Mandiri,
Managing Director of BNI, 2003 - 2010
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
Banking BNI
4
Income Statement Highlight
Income Statement Highlight
Interest Income
Interest Expense
Net Interest Income
Other Operating Income
Operating Expense
Non Operating Income
Non Operating Expense
Net Non Operating Income
Profit Before Tax
Net Profit
Q2 2011
Q2 2010
YoY (%)
FY 2010
2,817,409
2,237,363
25.93%
4,894,312
(1,352,085)
(961,077)
40.68%
(2,254,731)
1,465,324
1,276,286
14.81%
2,639,581
215,039
254,221
(15.41%)
277,712
(982,339)
(814,793)
20.55%
(1,726,755)
30,516
12,637
141.48%
29,090
-
-
-
-
30,516
12,637
141.48%
29,090
728,640
728,351
0.04%
1,219,628
544,000
545,592
(0.29%)
890,171
5
Road Map
A Strong Sustainable Growth and Profitable National Bank
2011-2012
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
2013-2014
2015
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
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Business and Strategic Alliances
Sustainable Growth and
Profitable
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
Distribution
Network
Risk
Management
& Compliance
Accounting
and Financial
Reporting
Investor
Relations
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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
• MSME Center
Expansion
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
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
Operations
• Build Central
Operations
Straight Thru
Processing (STP)
• Build e-banking
operations and
Trade Processing
Center
Investor
Relations
• Build
communications
infrastructure with
Investors, Media,
• and build corporate
image.
• Compliance Policy
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Business Strategy
2nd Half of Year 2011
Enhancement Organization Structure
• Establishment of two regional business areas (Jakarta and Bandung), International
Banking and Institutional Banking Divisions
• Recruitment of IT, International and Institutional Banking Division Heads.
Products / Brand
• Call Name bjb on all products and services.
• Strengthening and growing consumer loans “KGB” as a champion product.
• Improve Service Quality and benchmark with top five national bank.
Risk Management
• Review authorization limit for Commercials Loan Underwriting.
Treasury
• Improve and Enhance yield of tertiary reserve.
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Organizing
Funding, Lending and Services
Regional Office
Funding
Institutional
Banking for
Corporates &
Commercials
Banking
Customers
Branch For
Retail
Banking
Customers
Lending
SME and
Commercial
Banking
Center for
Commercials
and Micro
Segment
Branch For
Consumer
Loans and
Micro
Segment
Services
BRANCHES
Head Office
Supervision
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Distribution Network
Bank bjb Distribution Network
June 2011
51 Main Branches
174 Sub Branches
46 Cash Outlets
54 Payment Points
7 Mobile Cash
432 ATMs
Main 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
Main Branches Expansion Plan, Second half of the Year 2011
Palembang
(South Sumatera)
Bandarlampung
(Sumatera)
Banjarmasin
(South Kalimantan)
Solo
(Central Java)
ATM Expansion Plan, Second half of the year 2011
92 ATMs
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Balance Sheet Highlight
Balance Sheet Highlight
Q2 2011
FY 2010
Q2 2010
YtD (%)
YoY (%)
Total Asset
49,326,302
43,445,700
40,239,427
13.54%
22.58%
Lending
47,561,410
41,585,564
38,572,986
14.37%
23.30%
- Loans & Financing
26,605,351
23,669,719
21,450,244
12.40%
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
5,275,309
138.91%
9.27%
35,214
35,215
33,939
0.00%
3.76%
Funding
43,409,886
37,065,628
36,103,800
17.12%
20.24%
Third Party Deposits
36,227,134
31,953,462
32,738,031
13.37%
10.66%
- Current Account
10,029,756
7,610,326
10,808,928
31.79%
(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
18,402,409
13.04%
19.58%
Others Deposit
7,182,752
5,112,166
3,365,769
40.50%
113.41%
- Deposits form Others Bank
3,429,637
3,353,645
1,606,621
2.27%
113.47%
- Bond Issued
3,741,335
1,745,936
1,745,138
114.29%
114.39%
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
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Financial Highlight
Financial Highlight
Q2 2011
FY 2010
Q2 2010
YtD (%)
YoY (%)
Total Asset (Rp, Mio)
49,326,302
43,445,700
40,239,427
13.54%
22.58%
Total Loans (Rp, Mio)
26,605,351
23,669,719
21,450,244
12.40%
24.03%
Total Deposits (Rp, Mio)
36,227,134
31,953,462
32,738,031
13.37%
10.66%
Equity (Rp, Mio)
4,963,382
4,990,993
3,170,298
(0.55%)
56.56%
Net Profit (Rp, Mio)
544,000
890,171
545,592
Tier I
19.40%
22.64%
16.27%
CAR
19.21%
22.85%
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%
(0.29%)
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Key Financial 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
15,51
2005
3,17
1,50
2006
2007
2008
2009
Jun-10
2010
Jun-11
2005
2006
Loan
2007
2008
2009
Jun-10
2010
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
11,53
2005
2006
2007
2008
2009
Jun-10
2010
Jun-11
2005
2006
2007
2008
2009
Jun-10
2010
Jun-11
14
Key Financial Indicators (con’t)
Gross Profit
Net Profit
1.219.628
890.171
985.377
709.106
818.946
446.889
504.297
728,640
552.707
256.636
2005
2006
2007
2008
2009
2010
Jun 11
544,000
542.162
2005
302.442
2006
370.667
2007
2008
2009
2010
Jun 11
15
Key Financial 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%
2006
2007
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
Return On Equity
Return On Asset
4,08%
28,09%
3,31%
2,63%
18,93%
3,24%
3,04%
2006
2007
24,95%
24.24%
19,41%
24,98%
3,15%
18,01%
2,40%
2005
37,28%
3,15%
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
16
Key Financial Indicators (con’t)
Net Interest Margin
Loan To Deposit Ratio
82,47%
75,67%
8,45%
9,77%
7,74%
6,38%
87,33%
6,77%
7,63%
71,14%
79,02%
89,44%
71,85%
63,73%
7,32%
5,97%
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
2005
2006
2007
2008
2009
Jun 10
2010
Jun 11
Operational Expenses to Operational Income
80,39%
79,42%
78,04%
75,41%
77,30%
76,60%
70,80%
2005
2006
2007
2008
2009
Jun 10
2010
75,47%
Jun 11
17
Loan Breakdown
Conventional Loan Breakdown
June 2011
Segment
Micro Loans
16,76%
10,97%
Consumer Banking
72,26%
Micro Banking
Commercial Banking
Consumer
Loans
Commercial
Loans
Total Loan
∆Rp
(Outs)
NPL (%)
Gross
18,176 17.37%
964B
3.56%
2,69T
0.19%
4,216 28.57%
936B
10.85%
25,152 24.03%
4,6 T
2.41%
Outstanding
(Rp. Bio)
Growth
YoY
2,760 53.72%
18
Acquiring New Market
Civil Servant Loan
Methods
Total Outstanding per Jun’11
(Rp. Mio)
Channelling
316.552
Asset Buy
487.193
Total
803.745
Acquired from 3 (three) Regional Development Banks :
•
Bank Sulselbar
•
2 banks withheld
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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
20
Deposits Breakdown
Conventional Deposits Breakdown
June 2011
Rp. Billions
March 2011
(%)
Rp. Billions
December 2010
(%)
Rp. Billions
(%)
Government Related Funds
16,584
47.57%
13,713
41.71%
7,329
23.63%
Corporate
11,765
33.75%
12,721
38.69%
16,762
54.04%
Retail
6,512
18.68%
6,442
19.59%
6,927
22.33%
TOTAL
34,861
100%
32,876
100%
31,018
100%
Deposits Breakdown
June 2011
Government Related Funds
Corporate
Deposits Breakdown
March 2011
Retail
Government Related Funds
18,68%
19,59%
47,57%
33,75%
Conventional Deposits Breakdown
Corporate
Retail
41,71%
38,69%
June 2011
Rp. Billions
March 2011
(%)
Rp. Billions
December 2010
(%)
Rp. Billions
(%)
Current Account
9,967
28.59%
9,970
30.33%
7,458
24.04%
Saving Account
4,019
11.53%
3,811
11.59%
4,691
15.12%
Time Deposit
20,875
59.88%
19,095
58.08%
18,869
60.83%
TOTAL
34,861
100%
32,876
100%
31,018
100%
21
Human Capital
Positions
March 2011
June 2011
Board of Commisioners
5
5
Directors
4
4
19
20
Middle Management
137
150
First Line Management
720
744
1095
1202
13
10
Total Permanent
1,993
2,135
Non Permanent
3,257
3,429
Total
5,250
5,563
Top Management
Staff
Employee in Pension Preparation
22
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
23
Awards
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 2010
Financial Performances
• Bandung Service Excellence Award, The Best Bandung Service
Excellence Champion, Category: Conventional Banking
• Investor Award, Best CEO, Category: Regional Bank
2010
2009
• 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
24
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
• Director, Shahyohan Johnny Azis
25
Q &A
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN,Tbk.
INVESTOR RELATIONS
MENARA bank bjb
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868 ext 7008/7005
[email protected]
26