Analyst Meeting Q3 2011 Presentation

3Q 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
Strategy (Road Map)
Distribution Network
Balance Sheet Highlight
Income Statement Highlight

Financial Highlight
Loan / Financing Breakdown
The Big 5 Debtors
Deposits Breakdown
Performances by Area
Human Capital
Good Corporate Governance
Awards
2

Ownership
A Series

75,00%

B Series

25,00%
100,00%


B Series Breakdown
Ownership
Local
% &'
(
) *
+
(
) *
Foreign
) ,
) , +
B Series Total

Shares
! "" #
""
##
##
" " ##

###
# ##
##
!

##
" #
2,424,072,500

%
74.21%
$
$
#$#
#$#"
$"
$""
$#"
25.79%
#$

$
3

Board of Commissioners
Agus Ruswendi, President Commissioner
%.
* /
0 1 2 bjb 3 ## 4 # /
9
: 0 1 2 bjb 3 ##" 4 ## 7 8 * 5
; 0 1 2 bjb ,
3 ### 4 ## 7
Muhadi, Commissioner
%* (
5 1 2 bjb3 ## 4
&
: 3 ## 7 8 * 5 &
4
5
3 ## 4 ## 7


5) * ,6&
2
3 ## 4 ##"7

7

&

,

*'

Achmad Baraba, Independent Commissioner
%* + *
* (
5 1 2 bjb3 ## 4
7
(
2 5+ *

3 ### 4
7 /
&
,
*
9 9
2 5+ *
3 !!! 4 ## 7 * =
,; /

Klemi Subiyantoro, Independent Commissioner
%* + *
* (
5 1 2 bjb3 ## 4
3
7 912 3 ## 4 ## 7 8 * 5 ' * (
5 9 '*; > : 3
(
5 9&
23

7 912 3 ## 4 ## 7

5

1
%

0 1 2 bjb 3 ## 4 ## 7 8 * 5
*8 * 5
; 0 1 2 bjb &
,

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3 ## 7

5 &: ;
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2

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3 ## 4 ## 7
1 5)
+ *
3 !! 4 !!!7

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* (
7 912 3 ## 4 ## 7

*

5 9 '*; > :
1 5' *


Yayat Sutaryat, Independent Commissioner
%)

> 1$

* + *
* (
5(
* , 3 ## 4 # #7 8 * 5 ,

,
)

&

3 # #4
'*

> 1$


7 8 * 5 ,
,
* , 3 ## 4 ## 7
4

Board of Directors

Bien Subiantoro
President Director
&
: #
:. &
'*
/
5 ?+ ## 4 # #

Bambang Mulyo A.
Director
&
: #

:. /
8 * 5
1@1 /
8 * 5(

2

*

'*
1 2 1@1

Entis Kushendar
Director
&
: #
:. (
2 ,/
1 2 1@1 /
8 * 5
'*
1 2 1@1

, ,

1 2

Arie Yulianto
Director
&
: #
:. /
8 * 5
/
8 * 5 , (
,
1 2 1@1

5

2 , 1 2 1@1
* 2

Zaenal Aripin
Director
&
: #
:. /
8 * 5&
1@1 8 * 5 (; ,
,

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=55

,1 2
1 2 1@1

Shahyohan Johnny Azis
Director
&
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8 * 5? A 2 *&
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8 * 5+
2 , ?+

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,
Commercial
and
Institutional
Banking

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

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

Consumer
Deposit

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

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

Distribution Network
Bank bjb Distribution Network per Sept;2011
(

,

B4 #

%-

"B #

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& 1

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1

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:

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Sub Total

364

97

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Main Branches Outside West Java & Banten are located in:
2 4' ;

2

&

,

&

*
2

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"; B

1 ,
3&

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7

A

,

2 4> 1 :
9,

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%-

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2 48 :

1 :

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7

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9

Balance Sheet Highlight
Balance Sheet Highlight
9

3Q 2011

'

FY 2010

53,818,747

* ,

"

4 Loans & Financing
4
4

+
2

27,817,782

* ;

1 &

3Q 2010

43,445,700

42,531,106

"

"# !#"

"

23,669,719

2

"

& +

YtD (%)

"

!

#
# !

"

) * ,

47,638,596

37,065,628

36,839,039

Third Party Deposits

40,266,533

31,953,462

33,754,280

# "! "

#

# "# "

'

4&

,'

"

49

/

"

=;

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4/
4

4) *
Equity

"
!"

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=;
*

2

! !# !

"

!

"
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A ,

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!

5,207,085

4,990,993

4,850,449

24.31%
"$

$

$#!

#$##

#$##

$

!$

26.02%

19.29%
"$!

3 $"" 7
$

# "
"

7

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#

#
5

*+

#"

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26.54%
$ #

17.52%
3 $

4 %E :

4(

23.88%
"$

22,376,933

#!

YoY (%)

$!"
$ !

""$

$!

$ !

$

"$ "

"$"

3 $!
"$

7

3 $ ! 7
$
10

Income Statement Highlight
Income Statement Highlight
+

+

+

%-

3Q 2011
" # #
3 #

Net Interest Income
=; =
=

, %=

,+

?

=

, %-

Net Non Operating Income
Profit Before Tax

" 7

"
3

?

#
3

2,270,648

,+

Net Profit

3Q 2010

YoY (%)

FY 2010

!

$ !

# 7

$ "

1,968,777

"

" !"
3

"

7

2,639,581

15.33%
$

" # "7

3

!

7

3

$!

7
! #!#

!"

"

# $

4

4

4

4

36,694

17,764

106.56%

29,090

1,064,760

1,055,901

0.84%

1,219,628

794,703

791,298

0.43%

890,171

11

Financial Highlight
)
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= =3 7

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Gratifications Controlling Unit
&

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Policy
5

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19

Good Corporate Governance
5

(

,F

Gratifications reported until September 2011 are 151 reports equivalent to Rp. 93,6 Mio,
• 138 Reports handled by Gratifications Controlling Unit
• 11 Reports handled by KPK equivalent Rp.7,7 Mio
• 2 Reports of gratifications rejected

67 reports are identified related to positions of employee:
• 35 reports from business partners (suppliers, notary, and insurance)
• 15 reports from customers
• 3 reports from debtors

Object of gratifications
• 42% (59 reports) souvenirs
• 27% (38 reports) foods
• 19% (28 reports) honorarium
• 5% (8 reports) money
• 5% (8 reports) accomodations / facility
• 5 % (8 reports) others

20

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
21

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
ir@bankbjb.co.id

22