Q4 2015 Des 2015 Press Conference
PRESS CONFERENCE
Performance Review
As of December 31,
2015
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, February 4, 2016
Transformation Road Map
2
ACHIEVEMENT OF THE MILLION HOUSES
PROGRAM
During 2015, Bank BTN has realized 474.099 unit
REALISASI S.D 31 DESEMBER 2015
LOAN TYPE
TARGET
MORTGAGE
Unit
Unit
IDR BILLION
Construction Loans in
Progress
Unit
IDR BILLION
TOTAL
Unit
IDR BILLION
MBR (Subsidi)
331,000
125,422
12,761
161,325
6,587
286,747
19,348
NON MBR
100,000
54,054
13,453
133,298
19,651
187,352
33,104
TOTAL
431,000
179,476
26,214
294,623
26,238
474,099
52,452
3
INTERNATIONAL AWARDS 2015
•
•
•
•
•
REGIONAL AWARDS 2015
THE LEAGUE OF AMERICAN
COMMUNICATIONS PROFESSIONALS
(LACP) AWARD 2014
Gold Award
#77 of Top 100 Annual Report Worldwide
#17 of Top 50 Annual Report in the Asia
Pacific Region
#10 Indonesian Annual Report of 2014
Best Letter to Shareholders
ASEAN CORPORATE
GOVERNANCE AWARD 2015
“Top Two Publicity Listed Companies
with the Most Improved Scores “
TOP NATIONAL AWARDS 2015
ANUGERAH
PERBANKAN
INDONESIA 2015 –
ECONOMIC REVIEW
“Peringkat I Kelompok
Bank Buku III“ dan
“Tokoh Perbankan
2015 untuk Direktur
Utama Bank BTN”
ANNUAL REPORT
AWARD 2014
“Juara III Kategori
BUMN Keuangan
Listed”
THE 7th IICD Corporate
Governance AWARD
“The Best Financial
Services”
4
PERFORMANCE IN 2015
As of December 31, 2015, Bank BTN growth is above the banking industry
average
Q4 2014
Q4 2015
Y.O.Y %
Industry
Average *)
Total Asset (IDR Billion)
144.582
171.808
18,83%
9,29%
Total credit & sharia financing (IDR billion)
115.916
138.956
19,88 %
9,85%
Total Deposits (IDR billion)
106.479
127.746
19,97%
7,70%
Net profit (IDR billion)
1.146
1.851
61,57%
(8,25%)**
NPL Gross
4,01%
3,42%
FINANCIAL HIGHLIGHTS
*)
**)
Data as of November 30, 2015
Data as of Agustus 31, 2015
5
NET PROFIT
Net Profit increased to 61.57%
Y.O.Y %
Q4 2014
Q4 2015
Interest Income (IDR Billion)
13.374
15.567
16,25 %
Interest Expense (IDR Billion)
(7.893)
(8.700)
10,23 %
5.482
6.867
25,14 %
923
1,132
23,84 %
(4.828)
(5.465)
13,26 %
1.577
2.534
60,62 %
2
8
322,56%
Profit Before Tax (IDR Billion)
1.579
2.542
60,95 %
Net Profit (IDR Billion)
1.146
1.851
61,57 %
INCOMESTATEMENT
Net Interest Income (IDR Billion)
Other Operating Income (IDR Billion)
Other Operating Expense (IDR Billion)
Profit From Operating (IDR Billion)
Non Operating Income (Expense) (IDR Billion)
6
MORTGAGE MARKET SHARE
Bank BTN is still the leader in mortgage market with market share 30.6%
Mortgage Market Share
Source: Data as of September 30, 2015
Mortgage FLPP Market Share
Source: Data as of September 30, 2015
7
Mortgage Loan Sector
31-Dec-11
Loans Type
Rp. Bn
Shares
31-Dec-12
IDR Bn
Shares
31-Dec-13
IDR Bn
Shares
31-Dec-14
IDR Bn
Shares
31-Dec-15
IDR Bn
Shares
y.o.y
Housing Loans
55,805
87.79%
70,223
86.26%
87,005
86.60%
102,614
88.52%
124,927
89.90% 21.74%
Subsidized Mortgages
Non-Subsidized Mortgages
Other Housing Loans
Construction Loan
25,804
18,611
4,199
7,191
40.60%
29.28%
6.61%
11.31%
25,562
29,129
6,070
9,462
31.40%
35.78%
7.46%
11.62%
28,429
39,548
7,198
11,829
28.30%
39.36%
7.16%
11.77%
34,347
45,601
8,179
14,486
29.63%
39.34%
7.06%
12.50%
43,527
53,567
8,934
18,900
31.32% 26.73%
38.55% 17.47%
6.43% 9.23%
13.60% 30.47%
Non-Housing Loans
7,759
12.21%
11,187
13.74%
13,463
13.40%
13,302
11.48%
14,029
10.10%
Consumer Loan
Commercial Loan
1,463
6,296
2.30%
9.90%
1,923
9,264
2.36%
11.38%
2,597
10,865
2.59%
10.81%
2,916
10,386
2.52%
8.96%
3,839
10,190
Total Loans
63,564 100.00%
81,411 100.00%
100,467 100.00%
115,916 100.00%
5.46%
2.76% 31.63%
7.33% -1.88%
138,956 100.00% 19.88%
Bank BTN still focus on mortgage business, this is proved by the composition of housing
finance loans 89.90%.
8
Deposits
Total Deposits Mix
Total Deposits
(IDR Trillion)
(IDR Trillion)
Deposits
Current Account
Savings Account
Time Deposits
Total
FY 2011
13.15
14.82
34.01
61.97
FY 2012
13.27
21.54
45.88
80.69
FY 2013 FY 2014 FY 2015 y.o.y
19.12
23.23
30.88 32.93%
24.24
25.55
29.87 16.93%
52.86
57.70
66.99 16.10%
96.21 106.48 127.75 19.97%
CASA Composition
(%)
9
SHARIA BUSINESS
Sharia Assets
Sharia Deposits
(IDR Billion)
(IDR Billion)
Sharia Net Profit
Sharia Financings
(IDR Billion)
(IDR Billion)
10
Ask & Question
Performance Review
As of Desember 31, 2015
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Jakarta, February 4, 2016
Thank You
________________
PT Bank Tabungan Negara (Persero) Tbk
Menara BTN 20th Floor – Jalan Gajah Mada No. 1
Jakarta Pusat - 10130
Telp : +62 21 6336789
Facs: +62 21 6336719
Email : [email protected]
Website : www.btn.co.id
12
Performance Review
As of December 31,
2015
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, February 4, 2016
Transformation Road Map
2
ACHIEVEMENT OF THE MILLION HOUSES
PROGRAM
During 2015, Bank BTN has realized 474.099 unit
REALISASI S.D 31 DESEMBER 2015
LOAN TYPE
TARGET
MORTGAGE
Unit
Unit
IDR BILLION
Construction Loans in
Progress
Unit
IDR BILLION
TOTAL
Unit
IDR BILLION
MBR (Subsidi)
331,000
125,422
12,761
161,325
6,587
286,747
19,348
NON MBR
100,000
54,054
13,453
133,298
19,651
187,352
33,104
TOTAL
431,000
179,476
26,214
294,623
26,238
474,099
52,452
3
INTERNATIONAL AWARDS 2015
•
•
•
•
•
REGIONAL AWARDS 2015
THE LEAGUE OF AMERICAN
COMMUNICATIONS PROFESSIONALS
(LACP) AWARD 2014
Gold Award
#77 of Top 100 Annual Report Worldwide
#17 of Top 50 Annual Report in the Asia
Pacific Region
#10 Indonesian Annual Report of 2014
Best Letter to Shareholders
ASEAN CORPORATE
GOVERNANCE AWARD 2015
“Top Two Publicity Listed Companies
with the Most Improved Scores “
TOP NATIONAL AWARDS 2015
ANUGERAH
PERBANKAN
INDONESIA 2015 –
ECONOMIC REVIEW
“Peringkat I Kelompok
Bank Buku III“ dan
“Tokoh Perbankan
2015 untuk Direktur
Utama Bank BTN”
ANNUAL REPORT
AWARD 2014
“Juara III Kategori
BUMN Keuangan
Listed”
THE 7th IICD Corporate
Governance AWARD
“The Best Financial
Services”
4
PERFORMANCE IN 2015
As of December 31, 2015, Bank BTN growth is above the banking industry
average
Q4 2014
Q4 2015
Y.O.Y %
Industry
Average *)
Total Asset (IDR Billion)
144.582
171.808
18,83%
9,29%
Total credit & sharia financing (IDR billion)
115.916
138.956
19,88 %
9,85%
Total Deposits (IDR billion)
106.479
127.746
19,97%
7,70%
Net profit (IDR billion)
1.146
1.851
61,57%
(8,25%)**
NPL Gross
4,01%
3,42%
FINANCIAL HIGHLIGHTS
*)
**)
Data as of November 30, 2015
Data as of Agustus 31, 2015
5
NET PROFIT
Net Profit increased to 61.57%
Y.O.Y %
Q4 2014
Q4 2015
Interest Income (IDR Billion)
13.374
15.567
16,25 %
Interest Expense (IDR Billion)
(7.893)
(8.700)
10,23 %
5.482
6.867
25,14 %
923
1,132
23,84 %
(4.828)
(5.465)
13,26 %
1.577
2.534
60,62 %
2
8
322,56%
Profit Before Tax (IDR Billion)
1.579
2.542
60,95 %
Net Profit (IDR Billion)
1.146
1.851
61,57 %
INCOMESTATEMENT
Net Interest Income (IDR Billion)
Other Operating Income (IDR Billion)
Other Operating Expense (IDR Billion)
Profit From Operating (IDR Billion)
Non Operating Income (Expense) (IDR Billion)
6
MORTGAGE MARKET SHARE
Bank BTN is still the leader in mortgage market with market share 30.6%
Mortgage Market Share
Source: Data as of September 30, 2015
Mortgage FLPP Market Share
Source: Data as of September 30, 2015
7
Mortgage Loan Sector
31-Dec-11
Loans Type
Rp. Bn
Shares
31-Dec-12
IDR Bn
Shares
31-Dec-13
IDR Bn
Shares
31-Dec-14
IDR Bn
Shares
31-Dec-15
IDR Bn
Shares
y.o.y
Housing Loans
55,805
87.79%
70,223
86.26%
87,005
86.60%
102,614
88.52%
124,927
89.90% 21.74%
Subsidized Mortgages
Non-Subsidized Mortgages
Other Housing Loans
Construction Loan
25,804
18,611
4,199
7,191
40.60%
29.28%
6.61%
11.31%
25,562
29,129
6,070
9,462
31.40%
35.78%
7.46%
11.62%
28,429
39,548
7,198
11,829
28.30%
39.36%
7.16%
11.77%
34,347
45,601
8,179
14,486
29.63%
39.34%
7.06%
12.50%
43,527
53,567
8,934
18,900
31.32% 26.73%
38.55% 17.47%
6.43% 9.23%
13.60% 30.47%
Non-Housing Loans
7,759
12.21%
11,187
13.74%
13,463
13.40%
13,302
11.48%
14,029
10.10%
Consumer Loan
Commercial Loan
1,463
6,296
2.30%
9.90%
1,923
9,264
2.36%
11.38%
2,597
10,865
2.59%
10.81%
2,916
10,386
2.52%
8.96%
3,839
10,190
Total Loans
63,564 100.00%
81,411 100.00%
100,467 100.00%
115,916 100.00%
5.46%
2.76% 31.63%
7.33% -1.88%
138,956 100.00% 19.88%
Bank BTN still focus on mortgage business, this is proved by the composition of housing
finance loans 89.90%.
8
Deposits
Total Deposits Mix
Total Deposits
(IDR Trillion)
(IDR Trillion)
Deposits
Current Account
Savings Account
Time Deposits
Total
FY 2011
13.15
14.82
34.01
61.97
FY 2012
13.27
21.54
45.88
80.69
FY 2013 FY 2014 FY 2015 y.o.y
19.12
23.23
30.88 32.93%
24.24
25.55
29.87 16.93%
52.86
57.70
66.99 16.10%
96.21 106.48 127.75 19.97%
CASA Composition
(%)
9
SHARIA BUSINESS
Sharia Assets
Sharia Deposits
(IDR Billion)
(IDR Billion)
Sharia Net Profit
Sharia Financings
(IDR Billion)
(IDR Billion)
10
Ask & Question
Performance Review
As of Desember 31, 2015
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Jakarta, February 4, 2016
Thank You
________________
PT Bank Tabungan Negara (Persero) Tbk
Menara BTN 20th Floor – Jalan Gajah Mada No. 1
Jakarta Pusat - 10130
Telp : +62 21 6336789
Facs: +62 21 6336719
Email : [email protected]
Website : www.btn.co.id
12