Analyst Meeting Q3 2010 Presentation
Q3 2010
Analyst Meeting
Mandarin Hotel, Jakarta - October 22, 2010
Preface, History
Established as a result of
nationalisation of an Ex-Dutch
company, “NV Denis”, an
operational mortgage bank
1961
1972
Changed its name to
Perusahaan Daerah
(PD) Bank Karja
Pembangunan
Daerah Jawa Barat
Changed its name to
PD Bank
Pembangunan
Daerah Jawa Barat
1978
Issued first
corporate
bond
1991
Obtained permit to
operate as Foreign
Exchange Bank
(Bank Devisa)
1992
Changed status from
regional company to
limited liability company
(Perseroan Terbatas or PT)
1999
Became the first regional
development bank to carry out
dual banking system, both
conventional and sharia banking
2000
Changed its name to
current name
2007
2009
Issued corporate
bond with rating
idA+ from Pefindo
2010
Increasing
rating
to
idAAfrom
Pefindo
Spin
Off
Sharia
Business
IPO
Re-branding
Preface, Business Model
• To be big top ten bank in Indonesia with good
performance and also profitable
• Focusing on consumer business (Multiguna
Bhakti) and productive micro (Mikro Utama)
• Expanding our branch network to nationwide
Ownership
Ownership
Historical Price
Since July 8th 2010 bank bjb already
listed in Indonesia Stock Exchange with
opening price Rp. 900 per share or
increase 50% from the IPO price Rp. 600
per share.
Order that subscribe by the investor in
price Rp. 600,- are over, with amount of
subscribe +/- Rp. 6,0 trillion or 4,1 times
oversubscribed if it’s compared to the
number of shares that offered 25% from
the deposit capital.
Closing price at Oct, 21 2010 are Rp.
1.740,July, 8th 2010 – Oct 19th 2010
Distribution Network
Distribution Network bank bjb per September 10:
• 44 Branches
• 45 Cash Offices
• 131 Sub Branches
• 41 Payment Point
• 1 Mobile Office
• 295 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
Branches outside West Java & Banten are located in:
Jakarta
Semarang
Surabaya
Batam
Medan
Branch Expansion Plan Year 2010
New Branch
New Sub Branch
New Cash Office
Mobile Office
New ATM
New Service Unit
New Weekend Banking
: 6
: 40
: 16
: 5
: 199
: 4
: 1
Branch Expansion Plan Year 2010 outside West Java & Banten Region
Denpasar
Tegal Balikpapan Pekanbaru Makasar
West Jakarta
Branch Expansion Plan
Expansion Plan 2010
2011
2012
2013
2014
2015
New Branches Outside
Wet Java & Banten
Region
Medan,
Batam,Pekanbaru,
Makassar,
Denpasar,
Balikpapan,
Tegal, jakarta
Palembang,
Purwokerto,
Solo
Padang, Kutai,
Magelang
Kediri,
Jogja,
Jayapura
Lampung,
Malang,
Manado, Aceh
Jakarta Selatan,
Samarinda,
Kudus, Singapura
Upgrading from Sub
Branch to Full Branch
Buahbatu,
Singaparna,
Majalaya
Lembang,
Ujungberung,
Cikampek
Dayeuhkolot,
Dago,
Pangandaran
Gedungsate
, Balaraja,
Cipanas
Darmaga,
Cikande,
Jatinangor
Jatibarang,
Cikajang,
Sumbersari
Number of Branches
52
60
70
80
90
100
Number of Sub
Branchus
180
250
325
400
475
550
Number of Cash Offices
80
80
100
125
150
175
Human Resources
Management Team
Agus Ruswendi, President Director
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).
• Appointed President Director 4 April
2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Tatang Sumarna, Director of Consumer Banking
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Entis Kushendar, Director of Commercial
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Dadang Agus Suryanto, Director of Operation
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 27 Years
Herry Achmad Buchory, Director Compliance and Risk Management
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).
10
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 31 Years
Board of Commisioners
Lex Laksamana Zainal Lan, President Commissioner
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).
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).
Achmad Baraba, Independent 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).
Muryanto, 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).
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).
11
Financial Highlights
Financial Highlights
````````````````````````````````````````````````````````````````
Ratios
Ratios
Funding Compositions
Funding Compositions
Loans Breakdown
The big 3 Debtors
No
Name
Project
Location
Sector
Outstanding
1
PT. Telekomunikasi
Indonesia (Telkom)
Bandung Telecommunications
300 Billion
2
PT. PNM
(Permodalan Nasional
Madani)
Jakarta
Finance
256 Billion
3
PT. Pertani
Jakarta
Agriculture Tools
156 Billion
Consumer Loan:
Multi Guna Bhakti
• Main consumer loans product on bank bjb called Kredit MultiGuna Bhakti
(KMB)
• KMB is Multipurposes loan mainly for Civil Servants and currently bank bjb
do the same mechanism to any others fixed income employee
• Consumer loan dominates bank bjb’s loan portfolio, contributing more
than 70% of it’s total loan over the past five years
• We’ve developed this product to accelerate KMB’s growth, as follow:
Resume
Interest rate
9% to 12% pa flat rate
Loan Period
Maximum 10 years
Collateral
Non
Insured
Yes
Productive Loan:
Micro Utama Loans
• Bank bjb have starting to disbursed Micro Utama Loans at the end of 2007
• We’ve also developed this product, to be:
Resume
Before
After
Interest Rate
Divided into 3 skims, 10%
pa flat, 16% - 16,5% pa
effective, 18% pa flat
14% pa flat
Periode
Max 5 years for
Investment
Max 3 Years for Working
Capital
Max 5 years for
Investment
Max 3 Years for Working
Capital
Segment
Micro Player
Micro Player
Collateral
Yes
Yes
Insured
Yes
Yes
Loan Assesment
Manual
Credit Scoring
Our Positioning
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
PERMATA
BTN
CITIBANK
BUKOPIN
STANDARD CHARTERED
HSBC
bank bjb
MEGA
OCBC NISP
TOKYO MITSUBISHI
DBS
UOB BUANA
*Source : Bank Indonesia
ASSETS
402,084
323,803
298,576
225,486
126,332
100,448
88,963
67,640
62,829
60,946
53,854
42,867
40,769
40,562
40,239
40,121
39,133
34,278
30,504
23,732
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
PERMATA
BTN
CITIBANK
BUKOPIN
MEGA
bank bjb
HSBC
OCBC NISP
DBS
STANDARD CHARTERED
UOB BUANA
TOKYO MITSUBISHI
DEPOSITS
326,578
259,342
255,030
179,930
104,427
66,320
62,407
51,848
48,919
38,453
37,511
37,054
32,791
32,738
31,720
30,852
23,549
19,327
16,960
15,534
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BRI
MANDIRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
BTN
PERMATA
BUKOPIN
CITIBANK
TOKYO MITSUBISHI
OCBC NISP
bank bjb
HSBC
MEGA
STANDARD CHARTERED
DBS
UOB BUANA
*Source: Bank Indonesia
LOANS
230,492
217,996
131,850
119,862
91,765
67,166
51,216
47,283
46,413
43,940
30,968
25,907
25,448
23,954
21,450
21,055
20,856
20,775
18,733
17,041
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
DANAMON
CIMB NIAGA
PANIN
PERMATA
BII
CITIBANK
OCBC NISP
BTN
TOKYO MITSUBISHI
MEGA
UOB BUANA
bank bjb
DBS
BUKOPIN
HSBC
STANDARD CHARTERED
EQUITY
40,360
30,523
30,200
19,864
16,915
14,992
12,865
7,549
6,888
6,834
5,922
5,539
5,520
4,805
4,435
3,170
3,170
2,582
770
447
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
TOKYO MITSUBISHI
CITIBANK
UOB BUANA
PANIN
BTN
DBS
OCBC NISP
MEGA
HSBC
bank bjb
STANDARD CHARTERED
DANAMON
BII
BCA
MANDIRI
BRI
PERMATA
BNI
BUKOPIN
CIMB NIAGA
*Source: Bank Indonesia
CAR
50.55%
26.55%
22.17%
19.71%
18.71%
18.40%
18.05%
17.69%
16.28%
15.77%
15.46%
15.39%
14.87%
14.71%
14.50%
14.11%
13.90%
13.32%
13.25%
12.10%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
MEGA
bank bjb
TOKYO MITSUBISHI
DBS
MANDIRI
UOB BUANA
CIMB NIAGA
PANIN
BUKOPIN
BII
OCBC NISP
HSBC
DANAMON
PERMATA
BTN
BRI
BNI
STANDARD CHARTERED
CITIBANK
NPL
0.81%
1.48%
1.86%
1.91%
2.08%
2.33%
2.39%
2.67%
2.80%
2.85%
2.94%
2.97%
3.39%
3.53%
3.70%
4.12%
4.27%
4.30%
7.68%
9.66%
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
DANAMON
BRI
bank bjb
CIMB NIAGA
UOB BUANA
OCBC NISP
BNI
BTN
BII
PERMATA
BCA
PANIN
HSBC
MANDIRI
BUKOPIN
CITIBANK
MEGA
STANDARD CHARTERED
DBS
TOKYO MITSUBISHI
*Source: Bank Indonesia
NIM
9.41%
9.40%
7.74%
6.70%
6.67%
6.31%
5.83%
5.81%
5.51%
5.50%
5.46%
5.21%
5.10%
5.10%
4.85%
4.53%
4.06%
3.27%
2.88%
0.63%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
CITIBANK
bank bjb
BRI
BCA
DANAMON
MANDIRI
HSBC
CIMB NIAGA
UOB BUANA
PANIN
PERMATA
STANDARD CHARTERED
BNI
MEGA
TOKYO MITSUBISHI
BTN
OCBC NISP
BUKOPIN
BII
DBS
ROA
5.68%
4.08%
3.51%
3.46%
2.98%
2.93%
2.87%
2.63%
2.54%
2.50%
2.40%
2.37%
2.34%
2.27%
2.10%
1.92%
1.75%
1.60%
1.50%
0.28%
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
bank bjb
BRI
BCA
MANDIRI
PERMATA
MEGA
BNI
CITIBANK
CIMB NIAGA
DANAMON
BUKOPIN
HSBC
PANIN
STANDARD CHARTERED
BTN
OCBC NISP
BII
UOB BUANA
TOKYO MITSUBISHI
DBS
*Source: Bank Indonesia
ROE
37.28%
33.41%
31.55%
30.73%
25.10%
25.05%
24.31%
24.27%
22.15%
18.67%
18.16%
16.62%
16.47%
16.43%
14.35%
11.62%
10.76%
10.73%
3.77%
1.94%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
MANDIRI
bank bjb
CITIBANK
BRI
DANAMON
CIMB NIAGA
BNI
UOB BUANA
MEGA
PERMATA
PANIN
OCBC NISP
BUKOPIN
BTN
STANDARD CHARTERED
HSBC
BII
TOKYO MITSUBISHI
DBS
BOPO
66.97%
70.67%
70.80%
72.02%
73.08%
74.00%
77.50%
78.08%
79.64%
80.57%
81.60%
81.61%
82.46%
84.54%
84.69%
86.85%
87.35%
88.42%
90.87%
93.20%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
HSBC
MEGA
bank bjb
MANDIRI
CITIBANK
BNI
PANIN
OCBC NISP
DBS
BUKOPIN
BII
CIMB NIAGA
PERMATA
BRI
STANDARD CHARTERED
DANAMON
UOB BUANA
BTN
TOKYO MITSUBISHI
LDR
51.37%
62.72%
63.08%
63.73%
64.22%
67.98%
68.21%
76.73%
77.54%
79.55%
80.31%
84.88%
84.94%
87.80%
88.36%
97.81%
98.77%
100.45%
116.04%
163.83%
Strategies
Increase in
Market Share
and Capital
Strengthening
•
•
•
•
Third Party Funds growth of 20%
Loan growth of 20% per year
Increase in equity capital
Bond issuance
Product
Development
and Network
Expansion
• Improvement of quality of services and products (transactional banking services, product features,
technology) and increasing the number of outlets & ATMs
• Development of cash management services, Mitra Prioritas services and wealth management products
• Distribution of productive loans to larger MSMEs directly or through linkage programs with BPRs and
cooperatives
• Development of office networks, particularly supporting branches in remote areas of West Jawa and
Banten
• Enactment of competitive interest rates policy
• Enhanced cooperation with various parties in the local government (Kadin, service cooperatives and
MSMEs) as well as institutions which can use BJB as paying agent
Corporate Image
& Development
of Good
Corporate
Governance
• Implementation of standardized displays and office as an effort to improve identity and corporate image
of BJB, and conduct public education, publicity and promotion
• Form a mediation agency for customer complaints which are managed by the "Corporate Secretary", and
the establishment of customer recognition unit
• Making contribution to the development of local communities through CSR (corporate social
responsibility)
• Enhancement of the role and function of investor relationship unit
• Establishment of call center and optimization of website to improve customer satisfaction
• Improvement of technology and computerized banking services offices throughout BJB
Special Moments 2010
• KPE Signatories (in strengthening our positions on civil servants
loans)
• Spin Off Sharia Business
• Initial Public Offering
• Rebranding
• Reorganizations
Achievements
2009
• Infobank Platinum Award (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
2008
• Kriya Pranala Mahakarya, Most active bank in linkage program
• Bisnis Indonesia, Efficiency Awards
• Infobank Award, Very good on Financial Report
Q&A
Analyst Meeting
Mandarin Hotel, Jakarta - October 22, 2010
Preface, History
Established as a result of
nationalisation of an Ex-Dutch
company, “NV Denis”, an
operational mortgage bank
1961
1972
Changed its name to
Perusahaan Daerah
(PD) Bank Karja
Pembangunan
Daerah Jawa Barat
Changed its name to
PD Bank
Pembangunan
Daerah Jawa Barat
1978
Issued first
corporate
bond
1991
Obtained permit to
operate as Foreign
Exchange Bank
(Bank Devisa)
1992
Changed status from
regional company to
limited liability company
(Perseroan Terbatas or PT)
1999
Became the first regional
development bank to carry out
dual banking system, both
conventional and sharia banking
2000
Changed its name to
current name
2007
2009
Issued corporate
bond with rating
idA+ from Pefindo
2010
Increasing
rating
to
idAAfrom
Pefindo
Spin
Off
Sharia
Business
IPO
Re-branding
Preface, Business Model
• To be big top ten bank in Indonesia with good
performance and also profitable
• Focusing on consumer business (Multiguna
Bhakti) and productive micro (Mikro Utama)
• Expanding our branch network to nationwide
Ownership
Ownership
Historical Price
Since July 8th 2010 bank bjb already
listed in Indonesia Stock Exchange with
opening price Rp. 900 per share or
increase 50% from the IPO price Rp. 600
per share.
Order that subscribe by the investor in
price Rp. 600,- are over, with amount of
subscribe +/- Rp. 6,0 trillion or 4,1 times
oversubscribed if it’s compared to the
number of shares that offered 25% from
the deposit capital.
Closing price at Oct, 21 2010 are Rp.
1.740,July, 8th 2010 – Oct 19th 2010
Distribution Network
Distribution Network bank bjb per September 10:
• 44 Branches
• 45 Cash Offices
• 131 Sub Branches
• 41 Payment Point
• 1 Mobile Office
• 295 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
Branches outside West Java & Banten are located in:
Jakarta
Semarang
Surabaya
Batam
Medan
Branch Expansion Plan Year 2010
New Branch
New Sub Branch
New Cash Office
Mobile Office
New ATM
New Service Unit
New Weekend Banking
: 6
: 40
: 16
: 5
: 199
: 4
: 1
Branch Expansion Plan Year 2010 outside West Java & Banten Region
Denpasar
Tegal Balikpapan Pekanbaru Makasar
West Jakarta
Branch Expansion Plan
Expansion Plan 2010
2011
2012
2013
2014
2015
New Branches Outside
Wet Java & Banten
Region
Medan,
Batam,Pekanbaru,
Makassar,
Denpasar,
Balikpapan,
Tegal, jakarta
Palembang,
Purwokerto,
Solo
Padang, Kutai,
Magelang
Kediri,
Jogja,
Jayapura
Lampung,
Malang,
Manado, Aceh
Jakarta Selatan,
Samarinda,
Kudus, Singapura
Upgrading from Sub
Branch to Full Branch
Buahbatu,
Singaparna,
Majalaya
Lembang,
Ujungberung,
Cikampek
Dayeuhkolot,
Dago,
Pangandaran
Gedungsate
, Balaraja,
Cipanas
Darmaga,
Cikande,
Jatinangor
Jatibarang,
Cikajang,
Sumbersari
Number of Branches
52
60
70
80
90
100
Number of Sub
Branchus
180
250
325
400
475
550
Number of Cash Offices
80
80
100
125
150
175
Human Resources
Management Team
Agus Ruswendi, President Director
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).
• Appointed President Director 4 April
2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Tatang Sumarna, Director of Consumer Banking
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Entis Kushendar, Director of Commercial
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 25 Years
Dadang Agus Suryanto, Director of Operation
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).
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 27 Years
Herry Achmad Buchory, Director Compliance and Risk Management
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).
10
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 31 Years
Board of Commisioners
Lex Laksamana Zainal Lan, President Commissioner
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).
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).
Achmad Baraba, Independent 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).
Muryanto, 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).
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).
11
Financial Highlights
Financial Highlights
````````````````````````````````````````````````````````````````
Ratios
Ratios
Funding Compositions
Funding Compositions
Loans Breakdown
The big 3 Debtors
No
Name
Project
Location
Sector
Outstanding
1
PT. Telekomunikasi
Indonesia (Telkom)
Bandung Telecommunications
300 Billion
2
PT. PNM
(Permodalan Nasional
Madani)
Jakarta
Finance
256 Billion
3
PT. Pertani
Jakarta
Agriculture Tools
156 Billion
Consumer Loan:
Multi Guna Bhakti
• Main consumer loans product on bank bjb called Kredit MultiGuna Bhakti
(KMB)
• KMB is Multipurposes loan mainly for Civil Servants and currently bank bjb
do the same mechanism to any others fixed income employee
• Consumer loan dominates bank bjb’s loan portfolio, contributing more
than 70% of it’s total loan over the past five years
• We’ve developed this product to accelerate KMB’s growth, as follow:
Resume
Interest rate
9% to 12% pa flat rate
Loan Period
Maximum 10 years
Collateral
Non
Insured
Yes
Productive Loan:
Micro Utama Loans
• Bank bjb have starting to disbursed Micro Utama Loans at the end of 2007
• We’ve also developed this product, to be:
Resume
Before
After
Interest Rate
Divided into 3 skims, 10%
pa flat, 16% - 16,5% pa
effective, 18% pa flat
14% pa flat
Periode
Max 5 years for
Investment
Max 3 Years for Working
Capital
Max 5 years for
Investment
Max 3 Years for Working
Capital
Segment
Micro Player
Micro Player
Collateral
Yes
Yes
Insured
Yes
Yes
Loan Assesment
Manual
Credit Scoring
Our Positioning
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
PERMATA
BTN
CITIBANK
BUKOPIN
STANDARD CHARTERED
HSBC
bank bjb
MEGA
OCBC NISP
TOKYO MITSUBISHI
DBS
UOB BUANA
*Source : Bank Indonesia
ASSETS
402,084
323,803
298,576
225,486
126,332
100,448
88,963
67,640
62,829
60,946
53,854
42,867
40,769
40,562
40,239
40,121
39,133
34,278
30,504
23,732
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
PERMATA
BTN
CITIBANK
BUKOPIN
MEGA
bank bjb
HSBC
OCBC NISP
DBS
STANDARD CHARTERED
UOB BUANA
TOKYO MITSUBISHI
DEPOSITS
326,578
259,342
255,030
179,930
104,427
66,320
62,407
51,848
48,919
38,453
37,511
37,054
32,791
32,738
31,720
30,852
23,549
19,327
16,960
15,534
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BRI
MANDIRI
BCA
BNI
CIMB NIAGA
DANAMON
PANIN
BII
BTN
PERMATA
BUKOPIN
CITIBANK
TOKYO MITSUBISHI
OCBC NISP
bank bjb
HSBC
MEGA
STANDARD CHARTERED
DBS
UOB BUANA
*Source: Bank Indonesia
LOANS
230,492
217,996
131,850
119,862
91,765
67,166
51,216
47,283
46,413
43,940
30,968
25,907
25,448
23,954
21,450
21,055
20,856
20,775
18,733
17,041
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
MANDIRI
BRI
BCA
BNI
DANAMON
CIMB NIAGA
PANIN
PERMATA
BII
CITIBANK
OCBC NISP
BTN
TOKYO MITSUBISHI
MEGA
UOB BUANA
bank bjb
DBS
BUKOPIN
HSBC
STANDARD CHARTERED
EQUITY
40,360
30,523
30,200
19,864
16,915
14,992
12,865
7,549
6,888
6,834
5,922
5,539
5,520
4,805
4,435
3,170
3,170
2,582
770
447
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
TOKYO MITSUBISHI
CITIBANK
UOB BUANA
PANIN
BTN
DBS
OCBC NISP
MEGA
HSBC
bank bjb
STANDARD CHARTERED
DANAMON
BII
BCA
MANDIRI
BRI
PERMATA
BNI
BUKOPIN
CIMB NIAGA
*Source: Bank Indonesia
CAR
50.55%
26.55%
22.17%
19.71%
18.71%
18.40%
18.05%
17.69%
16.28%
15.77%
15.46%
15.39%
14.87%
14.71%
14.50%
14.11%
13.90%
13.32%
13.25%
12.10%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
MEGA
bank bjb
TOKYO MITSUBISHI
DBS
MANDIRI
UOB BUANA
CIMB NIAGA
PANIN
BUKOPIN
BII
OCBC NISP
HSBC
DANAMON
PERMATA
BTN
BRI
BNI
STANDARD CHARTERED
CITIBANK
NPL
0.81%
1.48%
1.86%
1.91%
2.08%
2.33%
2.39%
2.67%
2.80%
2.85%
2.94%
2.97%
3.39%
3.53%
3.70%
4.12%
4.27%
4.30%
7.68%
9.66%
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
DANAMON
BRI
bank bjb
CIMB NIAGA
UOB BUANA
OCBC NISP
BNI
BTN
BII
PERMATA
BCA
PANIN
HSBC
MANDIRI
BUKOPIN
CITIBANK
MEGA
STANDARD CHARTERED
DBS
TOKYO MITSUBISHI
*Source: Bank Indonesia
NIM
9.41%
9.40%
7.74%
6.70%
6.67%
6.31%
5.83%
5.81%
5.51%
5.50%
5.46%
5.21%
5.10%
5.10%
4.85%
4.53%
4.06%
3.27%
2.88%
0.63%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
CITIBANK
bank bjb
BRI
BCA
DANAMON
MANDIRI
HSBC
CIMB NIAGA
UOB BUANA
PANIN
PERMATA
STANDARD CHARTERED
BNI
MEGA
TOKYO MITSUBISHI
BTN
OCBC NISP
BUKOPIN
BII
DBS
ROA
5.68%
4.08%
3.51%
3.46%
2.98%
2.93%
2.87%
2.63%
2.54%
2.50%
2.40%
2.37%
2.34%
2.27%
2.10%
1.92%
1.75%
1.60%
1.50%
0.28%
Our Positions
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
bank bjb
BRI
BCA
MANDIRI
PERMATA
MEGA
BNI
CITIBANK
CIMB NIAGA
DANAMON
BUKOPIN
HSBC
PANIN
STANDARD CHARTERED
BTN
OCBC NISP
BII
UOB BUANA
TOKYO MITSUBISHI
DBS
*Source: Bank Indonesia
ROE
37.28%
33.41%
31.55%
30.73%
25.10%
25.05%
24.31%
24.27%
22.15%
18.67%
18.16%
16.62%
16.47%
16.43%
14.35%
11.62%
10.76%
10.73%
3.77%
1.94%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
MANDIRI
bank bjb
CITIBANK
BRI
DANAMON
CIMB NIAGA
BNI
UOB BUANA
MEGA
PERMATA
PANIN
OCBC NISP
BUKOPIN
BTN
STANDARD CHARTERED
HSBC
BII
TOKYO MITSUBISHI
DBS
BOPO
66.97%
70.67%
70.80%
72.02%
73.08%
74.00%
77.50%
78.08%
79.64%
80.57%
81.60%
81.61%
82.46%
84.54%
84.69%
86.85%
87.35%
88.42%
90.87%
93.20%
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
BANK
BCA
HSBC
MEGA
bank bjb
MANDIRI
CITIBANK
BNI
PANIN
OCBC NISP
DBS
BUKOPIN
BII
CIMB NIAGA
PERMATA
BRI
STANDARD CHARTERED
DANAMON
UOB BUANA
BTN
TOKYO MITSUBISHI
LDR
51.37%
62.72%
63.08%
63.73%
64.22%
67.98%
68.21%
76.73%
77.54%
79.55%
80.31%
84.88%
84.94%
87.80%
88.36%
97.81%
98.77%
100.45%
116.04%
163.83%
Strategies
Increase in
Market Share
and Capital
Strengthening
•
•
•
•
Third Party Funds growth of 20%
Loan growth of 20% per year
Increase in equity capital
Bond issuance
Product
Development
and Network
Expansion
• Improvement of quality of services and products (transactional banking services, product features,
technology) and increasing the number of outlets & ATMs
• Development of cash management services, Mitra Prioritas services and wealth management products
• Distribution of productive loans to larger MSMEs directly or through linkage programs with BPRs and
cooperatives
• Development of office networks, particularly supporting branches in remote areas of West Jawa and
Banten
• Enactment of competitive interest rates policy
• Enhanced cooperation with various parties in the local government (Kadin, service cooperatives and
MSMEs) as well as institutions which can use BJB as paying agent
Corporate Image
& Development
of Good
Corporate
Governance
• Implementation of standardized displays and office as an effort to improve identity and corporate image
of BJB, and conduct public education, publicity and promotion
• Form a mediation agency for customer complaints which are managed by the "Corporate Secretary", and
the establishment of customer recognition unit
• Making contribution to the development of local communities through CSR (corporate social
responsibility)
• Enhancement of the role and function of investor relationship unit
• Establishment of call center and optimization of website to improve customer satisfaction
• Improvement of technology and computerized banking services offices throughout BJB
Special Moments 2010
• KPE Signatories (in strengthening our positions on civil servants
loans)
• Spin Off Sharia Business
• Initial Public Offering
• Rebranding
• Reorganizations
Achievements
2009
• Infobank Platinum Award (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
2008
• Kriya Pranala Mahakarya, Most active bank in linkage program
• Bisnis Indonesia, Efficiency Awards
• Infobank Award, Very good on Financial Report
Q&A