Analyst Meeting FY 2010 Presentation
Material Presentations FY 2010 Report
Ownership
B Series Breakdown
Ownership
Shares
%
Local
Local Retail
346,921,000
14.31%
EMSA
77,267,000
3.19%
Cooperatives
9,000
0.00%
Foundations
9,127,000
0.38%
Pension Funds
158,296,500
6.53%
Insurances
165,795,000
6.84%
Ltd Company
35,597,335
1.47%
Mutual Funds
425,581,000
17.56%
1,218,593,835
50.27%
Foreign
Foreign Retail
771,500
0.03%
Foreign Institutional
1,204,707,165
49.70%
1,205,478,665
49.73%
2,424,072,500
(2)
Distribution Network
Distribution Network bank bjbper December 10: Distribution Network bank bjbper December 10:
Jakarta Semarang Surabaya Batam Medan Tegal * Jakarta Barat * Pekanbaru * Denpasar * Makasar * Balikpapan *
* Waiting for permit from Central Bank Branches outside West Java & Banten are located in:
New Branch : 6 New Sub Branch : 46 New Cash Office : 28 Mobile Office : 6 New ATM : 231 New Service Unit : -New Weekend Banking : 8
• 51* Branches • 135 Sub Branches
Branch Expansion Plan Year 2011 outside West Java & Banten Region • 48 Cash Offices • 41 Payment Point • 1 Mobile Office • 385 ATM Bank bjb ATM Card can accessed by 167.705 ATM by:
• 22.290 ATM Bersama Network • 15.407 PRIMA ATM • 130.008 PRIMA Debit Points
Branch Expansion Plan Year 2011
Palembang Bandar Lampung Banjarmasin Solo
Branch Expansion
Expansion Plan
2011
2012
New Branches Outside Wet Java & Banten Region 1. Bandar Lampung 2. Banjarmasin 3. Solo 4. Palembang
1. Yogyakarta 2. Menado 3. Samarinda 4. Kediri Upgrading from Sub Branch to Full Branch 1. Singaparna
2. Balaraja
1. Lembang 2. Ujungberung 3. Cikampek
Number of Branches 57 70
Number of Sub Branches 181 325
Number of Cash Offices 76 80
• Branches
10• Sub Branches
24• Cash Offices
6• Payment Point
8• ATM
148(3)
Human Resources
6
Past experiences include President Director – bank bjb (2007 -Present), 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).
Agus Ruswendi, President Director
Past experiences include Director of Funding & Services – bank bjb(2007 -Present), Head of Financial Management Division – bank bjb (2005 -2007), Head of Branch – bank bjb, Bekasi (2003 - 2005) and Head of Branch – bank bjb, Sukabumi (2002 - 2003).
Tatang Sumarna, Director of Consumer Banking
Past experiences include Director of Loan – bank bjb(2007 - Present), Head of General Affairs Division – bank bjb(2006 - 2007), Head of Branch – bank bjb, Jakarta (2004 - 2006) and Head of Branch – bank bjb, Serang (2003 - 2004). Entis Kushendar, Director of Commercial
Past experiences include Director of Operation – bank bjb(2007 -Present), Head of Human Resource Division – bank bjb(2005 - 2007), Head of Branch – bank bjb, Serang (January 2005 - September 2005) and Head of Branch – bank bjb, Cirebon (2002 - 2005).
Dadang Agus Suryanto, Director of Operation
Past experiences include Direcor of Compliance and RIsk Management – bank
bjb(2007 - Present), Head of Corporate Planning and Development – bank
bjb(2005 - 2007), Head of Financial Management – bank bjb(2002 - 2005) and Head of Branch – bank bjb, Cirebon (1997 - 1998).
Herry Achmad Buchory, Director Compliance and Risk Management
• Appointed President Director 4 April 2007
• Years of Experience at Bank Jabar Banten: 25 Years
• Appointed Director 4 April 2007 • Years of Experience at Bank Jabar
Banten: 25 Years
• Appointed Director 4 April 2007 • Years of Experience at Bank Jabar
Banten: 25 Years
• Appointed Director 4 April 2007 • Years of Experience at Bank Jabar
Banten: 27 Years
• Appointed Director 4 April 2007 • Years of Experience at Bank Jabar
Banten: 31 Years
(4)
7
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 (2004 - 2006) and Head of Environmental Protection Agency of Jawa Barat (2001 - 2004).
Lex Laksamana Zainal Lan, President 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 (2002 - 2007), Member of Fit and Proper Test Team at Bank of Indonesia (1999 - 2007) dan Oversight Director at Bank Muamalat Indonesia (1996 - 1999).
Achmad Baraba, Independent Commissioner
Past experiences include Independent Commissioner of bank bjb(2007 - Present), SRM Spoke B Manager SPB KC Bank Mandiri Jakarta Juanda ex. BDN (2002-2003), Head of Branch - Bank Mandiri Daan Mogot (1998 - 1999) dan Head of Branch - Bank Mandiri Cinere (1996 - 1998).
Muryanto, Independent Commissioner
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 (2006 - 2008).
Klemi Subiyantoro, Independent Commissioner
Past 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).
Board of Commisioners
Financial Highlights
15.51
21.21 23.04 26.04
32.41 43.44
2005 2006 2007 2008 2009 2010
Asset
10.07 11.76 13.05
16.43 19.63
23.67
2005 2006 2007 2008 2009 2010
Loans
11.53
15.54 16.49 18.35 23.72
31.95
2005 2006 2007 2008 2009 2010
Deposits
1.50 1.80
2.18 2.48 3.09
4.99
2005 2006 2007 2008 2009 2010
(5)
Financial Highlights
````````````````````````````````````````````````````````````````
256,636 302,442 370,667542,162 709,106
890,171
2005 2006 2007 2008 2009 2010
Net Profit
446,889 504,297 552,707
818,946 985,377
1,219,628
2005 2006 2007 2008 2009 2010
Gross Profit
Ratios
15.01% 14.97%16.81% 15.06%
21.20% 22.85%
2005 2006 2007 2008 2009 2010
CAR
3.04% 2.63%
2.40%
3.31% 3.24% 3.15%
2005 2006 2007 2008 2009 2010
ROA
18.93%
18.01% 19.41% 24.98%
28.09% 24.95%
2005 2006 2007 2008 2009 2010
ROE
9.77%
6.38% 5.97% 8.45%
7.63% 7.32%
2005 2006 2007 2008 2009 2010
(6)
Ratios
78.04% 80.39%
79.42%
75.41%
77.30% 76.60%
2005 2006 2007 2008 2009 2010
Operational Expenses to Operational Income
87.33%
75.67% 79.02% 89.44%
82.47% 71.14%
2005 2006 2007 2008 2009 2010
LDR
0.45% 0.41%
0.70% 0.78%
1.97% 1.86%
2005 2006 2007 2008 2009 2010
NPL
Deposits Breakdown
Business Dec-10 Dec-09
Conventional 31,019,700 Sharia 933,762
TOTAL 31,953,462 23,718,912
Conventional Dec-10 Dec-09
Current Account 7,458,300 8,272,288 Saving Account 4,690,403 3,802,574 Time Deposits 18,870,997 11,644,050
CASA 39.16% 50.91%
23,718,912
Dec-09 % CASA
Gov't Related 30.22% 85.54% Corporation 50.04% 23.24% Retail 19.73% 67.11%
Dec-10 % CASA
Gov't Related 23.63% 64.79% Corporation 54.04% 19.31% Retail 22.33% 60.11%
(7)
Loans Breakdown
Consumer Banking
•Kredit Multiguna Bhakti (Civil Servant and Employee Loans) •Pensioners Loans •Mortgage Loans
Commercial Banking
•Working Capital above Rp. 100 million •Investment above
Rp. 100 million •Construction
Loans •Syndicated loans
Micro Banking
•Kredit Mikro Utama •Kredit Usaha
Rakyat •Working Capital
and Investment loans by Government Program •Working Capital
for Cooperative •BPR Linkage
Sharia Banking
•Murabahah •Mudharabah •Musyarakah •Qardh •Istishna
Business
Dec - 10
Dec - 09
Conventional
93.23%
96.39%
Sharia
6.77%
3.61%
Consumer Banking
72.74%
76.49%
Commercial Banking
16.55%
16.63%
Micro Banking
10.71%
6.88%
TOTAL
100%
100%
Conventional
The big 3 Debtors
No
Debtor
Location
Business Sector
Outstanding
per Dec 10
1
PT. Telekomunikasi
Indonesia, Tbk
Bandung
Telecommunication
300 Bio
2
PT. Permodalan Nasional
Madani
Jakarta
Finance
327 Bio
(8)
Consumer Banking
•
bank
bjb
have a strong customer
based in consumer banking, per 31
Dec 2010, 72,74% 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
•
bank
bjb
has micro loan product called Kredit Mikro Utama, we had starting to disburse
Kredit Mikro Utama at the end of 2007.
•
Kredit Mikro Utama has competitive advantages in the micro market, we always develop
this product to enhance its portfolio and asset quality.
•
To accelerate and monitoring Kredit Mikro Utama, we have 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.
•
Kredit Mikro Utama’s summary are as follows:
Resume
Interest Rate
14% pa flat
Periode
Max 5 years for Investment
Max 3 Years for Working Capital
Segment
Micro Player
Collateral
Yes
Insured
Yes
Loan Assesment
Credit Scoring
(9)
Commercial Banking
•
bank
bjb
provide some loans and services for commercial segment.
•
Currenty we manage more than Rp. 3,6 T loan portfolio in this kind of market.
•
These are some product of commercial banking :
•
In this 2011, we are developing some new product such as :
Working Capital
Investment
Construction
Syndicated
Loan
Cash Management
Cash Management
Payment Point Online Banking (PPOB)
Payment Point Online Banking (PPOB)
Samsat Outlet
Samsat Outlet
Smart Merchant / Smart EDC
Smart Merchant / Smart EDC
School Fee Payment Services
School Fee Payment Services
Strategy
Increasing funding’s market share and restructuring its
composition
•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
Increasing loan’s market share
•Accelerating the bank function as intermediary institution •Optimizing loans
growth in order to increase loans market shares •Developing loans
distribution network
Management development in order to support
business growth
•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
Internal control and GCG’s implementation
•Improving Risk Management’s implementation •Improving internal
control through Risk Based Audit •Improving GCG’s
(10)
Achievements
•
Bandung Service Excellence Award, The Best Bandung Service
Excellence Champion, Category: Conventional Banking
•
Investor Award, Best CEO, Category: Regional Bank
•
Infobank Platinum Award for BPD (1
stBest ATM, 1
stBest Security, 2
ndBest Phone Handling, 3
rdOverall 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
•
Kriya Pranala Mahakarya, Most active bank in linkage program
•
Bisnis Indonesia, Efficiency Awards
•
Infobank Award, Very good on Financial Report
2008
2009
2010
Bond Issue
•
At the end of 2010 we also prepare for 7
th
bond issue for
amount Rp. 2 T
•
7
th
bank
bjb
’s bond was listed on February 10
th
2011 in three
series as follows:
Series
Tenor (years)
Amount
Interest
A
3
276 bio
9,2%
B
5
601 bio
10,2%
(11)
Asset Buy
•
We buy civil servants outstanding loan from
others BPDs (Regional Development Bank)
starts November 2010
•
Per 31 Dec 2010, we’ve buy for Rp. 466,644
Bio, (which come from 2 banks).
(1)
Ratios
78.04% 80.39%
79.42%
75.41%
77.30% 76.60%
2005 2006 2007 2008 2009 2010
Operational Expenses to Operational Income
87.33%
75.67% 79.02% 89.44%
82.47% 71.14%
2005 2006 2007 2008 2009 2010
LDR
0.45% 0.41%
0.70% 0.78%
1.97% 1.86%
2005 2006 2007 2008 2009 2010
NPL
Deposits Breakdown
Business Dec-10 Dec-09 Conventional 31,019,700 Sharia 933,762 TOTAL 31,953,462 23,718,912
Conventional Dec-10 Dec-09 Current Account 7,458,300 8,272,288 Saving Account 4,690,403 3,802,574 Time Deposits 18,870,997 11,644,050 CASA 39.16% 50.91% 23,718,912
Dec-09 % CASA
Gov't Related 30.22% 85.54% Corporation 50.04% 23.24% Retail 19.73% 67.11%
Dec-10 % CASA
Gov't Related 23.63% 64.79% Corporation 54.04% 19.31% Retail 22.33% 60.11%
(2)
Loans Breakdown
Consumer Banking•Kredit Multiguna Bhakti (Civil Servant and Employee Loans) •Pensioners Loans •Mortgage Loans
Commercial Banking
•Working Capital above Rp. 100 million •Investment above
Rp. 100 million •Construction
Loans •Syndicated loans
Micro Banking
•Kredit Mikro Utama •Kredit Usaha
Rakyat •Working Capital
and Investment loans by Government Program •Working Capital
for Cooperative •BPR Linkage
Sharia Banking
•Murabahah •Mudharabah •Musyarakah •Qardh •Istishna
Business Dec - 10 Dec - 09
Conventional 93.23% 96.39%
Sharia 6.77% 3.61%
Consumer Banking 72.74% 76.49% Commercial Banking 16.55% 16.63%
Micro Banking 10.71% 6.88%
TOTAL 100% 100%
Conventional
The big 3 Debtors
No Debtor Location Business Sector Outstanding per Dec 10
1 PT. Telekomunikasi Indonesia, Tbk
Bandung Telecommunication 300 Bio
2 PT. Permodalan Nasional Madani
Jakarta Finance 327 Bio
(3)
Consumer Banking
•
bank
bjb
have a strong customer
based in consumer banking, per 31
Dec 2010, 72,74% 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
• bank bjb has micro loan product called Kredit Mikro Utama, we had starting to disburse Kredit Mikro Utama at the end of 2007.
• Kredit Mikro Utama has competitive advantages in the micro market, we always develop this product to enhance its portfolio and asset quality.
• To accelerate and monitoring Kredit Mikro Utama, we have 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.
• Kredit Mikro Utama’s summary are as follows:
Resume
Interest Rate 14% pa flat
Periode Max 5 years for Investment
Max 3 Years for Working Capital
Segment Micro Player
Collateral Yes
Insured Yes
Loan Assesment Credit Scoring
(4)
Commercial Banking
• bank bjb provide some loans and services for commercial segment.
• Currenty we manage more than Rp. 3,6 T loan portfolio in this kind of market.
• These are some product of commercial banking :
• In this 2011, we are developing some new product such as :
Working Capital Investment Construction Syndicated
Loan
Cash Management Cash Management
Payment Point Online Banking (PPOB) Payment Point Online Banking (PPOB)
Samsat Outlet Samsat Outlet
Smart Merchant / Smart EDC Smart Merchant / Smart EDC
School Fee Payment Services School Fee Payment Services
Strategy
Increasing funding’s market share and restructuring its
composition
•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
Increasing loan’s market share
•Accelerating the bank function as intermediary institution •Optimizing loans
growth in order to increase loans market shares •Developing loans
distribution network
Management development in order to support
business growth
•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
Internal control and GCG’s implementation
•Improving Risk Management’s implementation •Improving internal
control through Risk Based Audit •Improving GCG’s
(5)
Achievements
• Bandung Service Excellence Award, The Best Bandung Service Excellence Champion, Category: Conventional Banking
• Investor Award, Best CEO, Category: Regional Bank
• Infobank Platinum Award for BPD (1stBest ATM, 1stBest Security, 2nd Best Phone Handling, 3rdOverall 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
•Kriya Pranala Mahakarya, Most active bank in linkage program
•Bisnis Indonesia, Efficiency Awards
•Infobank Award, Very good on Financial Report
2008 2009 2010
Bond Issue
•
At the end of 2010 we also prepare for 7
thbond issue for
amount Rp. 2 T
•
7
thbank
bjb
’s bond was listed on February 10
th2011 in three
series as follows:
Series Tenor (years) Amount Interest
A 3 276 bio 9,2%
B 5 601 bio 10,2%
(6)