Bigger, Stronger, Better bank bjb 3Q13 Analyst Meeting

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1 Bigger, Stronger, Better bank bjb 3Q13 Analyst Meeting

2 Table of Content Pg. 5 Pg. 10 Pg. 15 Pg. 16 Pg. 19 Pg. 23 Pg. 31 Pg. 37 Result Summary Loans Breakdown Deposit Breakdown Asset Quality Yield Analysis Micro Loans Performance Subsidiaries Performance Company Profile 2

3 USD IDR Yield Index (points) Macroeconomic Bank Indonesia Rate Increased 150 bps To 7.25% GDP Growth BI Rate Downturn Trends Consumer Confident Consumer Confidence Index Source: Bloomberg Higher Inflation on New Subsidized Fuel Price CPI 1mth JIBOR Source: Bloomberg Global Influence on Weaker Bond Market and IDR USDIDR 10Yr Govt Bond Source: Bloomberg Source: Bloomberg 3

4 YoY Growth YoY Growth Banking Sector Loans Growth Deposit Growth As of Jul 13, banking sector data shows: Loans +22.9%YoY to Rp 3,046tr (Investment loans % YoY, working capital +18.7%, consumer loans +20.0%) Deposit +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY, Time Deposit +7% YoY, CASA Ratio 56%) NPL -32bps YoY to 1.87% ROA -13bps YoY to 3.0% Source: Bank Indonesia Investment Loans WC Loans Consumer Loans Jul 12 Jul 13 YoY Total Loans 2,478 3, Total Deposit 2,961 3, LDR NPL ROA Source: Bank Indonesia 4

5 Result Summary Income Statement Net Interest Income at Rp 3.6tr (+27.7% YoY/ -5.0% QoQ) PPOP at Rp 1.7tr (+19.5% YoY/ -6.0% QoQ) LLP at Rp 373bn (+38.6% YoY/ +2.6% QoQ) Net Income at Rp 1.1tr (+15.9% YoY/ -7.1% QoQ) Balance Sheet Total Loans at Rp 44.1tr (+34.4% YoY/ +5.3% QoQ) Total Financing at Rp 3.7tr (+52.2% YoY/ +9.9% QoQ) Total Deposit at Rp 56.6tr (+7.3% YoY/ +2.7% QoQ) Total Asset at Rp 75.9tr (+12.0% YoY/ +3.3% QoQ) Ratios (bank only) NIM at 8.0% (+93bps YoY/ -11bps QoQ) ROA (Net) at 2.2% (+2bps YoY/ -7bps QoQ) ROE (Net) at 23.5% (+38bps YoY/ -82bps QoQ) NPL (Gross) at 2.5% (+77bps YoY/ +16bps QoQ) 5

6 Target vs. Realization Target 1Q13 2Q13 3Q13 Loans (net) Growth 25% - 28% Deposit Growth 18% - 22% ROA (net) 1.8% - 2.0% ROE (net) 20% - 22% NIM 6.8% - 7.2% Cost of Fund 5.0% - 5.5% Cost to Income Ratio 51% - 54% Gross NPL 1.5% - 2.0% Credit Cost 1.0% - 1.4% CASA Ratio 40% - 45%

7 Key Ratios (bank only) Key Ratios 3Q12 4Q12 1Q13 2Q13 3Q13 Profitability ROA (net) ROE (net) Cost Ratios Cost to Income Ratio Expense Ratio Yield Asset Yield Cost of Fund NIM LDR Asset Quality Special Mention Loans Gross NPL Net NPL Coverage Ratio Provision/Total Loans Credit Cost Capital CAR

8 Income Statement Income Statement (Rp bn) 3Q12 3Q13 YoY 2Q13 3Q13 QoQ Interest Income 5,092 5, % 2,042 2, % Interest Expense (2,293) (2,421) 5.6% (801) (885) 10.5% Net Interest Income 2,799 3, % 1,241 1, % Fee Based Income % % Operating Expense (1,522) (2,072) 36.1% (717) (700) -2.3% Gain (Loss) on Financial Statement % % PPOP 1,464 1, % % Loan Loss Provision (269) (373) 38.6% (138) (141) 2.6% Non Operating Income PBT 1,194 1, % % Tax Expense (249) (286) 15.1% (99) (91) -7.8% Net Income 946 1, % % 8

9 Balance Sheet Balance Sheet (Rp bn) 3Q12 4Q12 1Q13 2Q13 3Q13 YoY Cash 1,380 1,795 1,570 1,684 1, % Current Account with Bank Indonesia 4,279 4,666 3,659 4,127 4, % Secondary Reserves 25,047 24,075 19,887 19,926 19, % Loans net 32,142 34,769 37,198 41,046 43, % Financing net 2,391 2,880 2,965 3,295 3, % Fixed Asset ,002 1,010 1, % Other Asset 1,949 1,921 2,126 2,333 2, % Total Asset 67,708 70,841 68,407 73,421 75, % Total Third Party Fund 52,724 50,608 48,638 55,060 56, % Marketable Securities Issued 2,395 2,395 2,395 2,396 2, % Fund Borrowings 5,581 8,980 9,036 8,167 8, % Others 1,266 2,849 2,625 1,711 1, % Total Liabilities 61,966 64,832 62,694 67,334 69, % Total Equity 5,742 6,009 5,713 6,087 6, % 9

10 (Rp tr) Loans Breakdown (bank only) 50 Consumer Micro Commercial Mortgage Segment (Rp bn) 3Q 12 3Q 13 YoY Consumer 21,842 27, Micro 4,117 5, Commercial 5,617 6, Mortgage 1,215 3, Total Gross Loans Currency (Rp bn) 32,790 43, Q 12 3Q 13 YoY IDR 32,509 43, Forex

11 (Rp tr) Consumer Loans 30 Civil Servant Loans (LHS) NPL (RHS) Pensioner Loans (LHS) 1.0 Key Indicators 3Q 12 3Q 13 YoY Loans Outstanding 21,842 27, Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) 2,673 5, No of Account 350, , Interest Rate 15.00%-18.48% % eff. p.a Asset Quality 3Q 12 3Q 13 YoY 0.1 Special Mention NPL

12 (Rp tr) Micro Loans KMU (LHS) KCR (LHS) Govt Program (LHS) NPL (RHS) Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding 4,117 5, Net Expansion (Rp bn) 1, Avg. Loans Outstanding (Rp mn) No of Account 78,348 96, Interest Rate* 11.0% % eff. p.a. Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL *Kredit Mikro Utama 12

13 (Rp tr) Commercial Loans Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding 5,617 6, Net Expansion (Rp bn) 1, Avg. Loans Outstanding (Rp mn) No of Account 11,633 9, Interest Rate 6.3% -14.5% eff. p.a Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL

14 (Rp bn) Mortgage Loans 4,000 Mortgage Loans (LHS) NPL (RHS) 15.0 Key Ratios 3Q 12 3Q 13 YoY 3,500 3, Loans Outstanding 1,215 3, ,000 2, Net Expansion (Rp bn) 762 1, ,500 2,000 1,500 1,215 1,721 2, Avg. Loans Outstanding (Rp mn) No of Account 5,040 12, Interest Rate 7.3% % eff. p.a. 1, Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL

15 (Rp tr) Deposit Breakdown (bank only) Current Account Savings Account Time Deposit 60 Deposits Breakdown (Rp bn) 3Q 12 3Q 13 YoY 50 Current Account 15,678 18, Saving Account 6,275 8, Time Deposit 28,531 27, TOTAL 50,485 53, CASA Ratio Currency (Rp bn) 3Q 12 3Q 13 YoY IDR 50,277 53, Forex

16 (Rp bn) Asset Quality 1,200 Credit Provision (LHS) Coverage Ratio (RHS) Absolute NPL (LHS) 180 Gross NPL (Bank only) 3Q 12 3Q 13 YoY Write Off (Rp bn) 1, Consumer , Micro Commercial Mortgage Total Gross NPL Net NPL

17 Absolute Special Mention Loans (Rp bn) Special Mention/Total Loans Special Mention Contribution Special Mention Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 1,800 1, % 90% ,400 1, % 70% , % , % 40% 30% 20% 10% 0%

18 Absolute Net Performing Loans (Rp bn) Net Performing Loan/Total Loans NPL Contribution Non Performing Loans Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) 1, % 90% Consumer Micro Commercial Mortgage , % % 60% % 40% 30% 20% 10% 0%

19 Yield Analysis Loans 69% Marketable Securities 18% Others 1% Placement to Bank Indonesia 9% Interbank Placement 3% Asset Yield 3Q 12 3Q 13 Placement to Bank Indonesia Interbank Placement Securities Loans Yield Others Current Account 28.6% Savings Account 12.8% Time Deposit 42.5% Cost of Fund 3Q 12 3Q 13 Interbank Liabilities Securities Deposits From Customers Current Account Time Deposit Bonds 3.8% Interbank Lending 12.3% Savings Account Loans received

20 Lending Proportion Funding Proportion Customer Based Fast Growing Micro Loans Customer Based Well Executed Funding Strategy Consumer Micro Commercial Mortgage Government Corporate Retail 100% 100% 90% % 80% 80% 70% 70% 60% 50% 60% 50% % % 30% 30% 20% 20% 10% 0% 10% 0%

21 Capital Adequacy Risk Weighted Asset (RWA) 3Q 12 3Q 13 YoY Total CAR at 16.4% (-200bps YoY/ + 8bps QoQ) Total tier-1 capital at Rp5.2tr (BUKU 3 category). Total RWA 25,197 31, Credit Risk 19,271 24, Operational Risk 5,191 6, Market Risk 735 1, RWA/Total Asset 38.7% 44.1% +5.4 tier-1 4,726 5, CAR Analysis Risk Weighting Addition to RWA/ Rp1tr Net Expansion Net Impact to CAR tier -2 (81) (17) Total Capital 4,645 5, Tier-1 CAR 18.8% 16.5% -2.3 Total CAR 18.4% 16.4% -2.0 Consumer Loans 50% Rp.500bn 0.26 Micro Loans 75% Rp.750bn 0.38 Commercial Loans 100% Rp.1tr 0.50 Mortgage Loans 40% Rp.400bn

22 Micro Loan Details 22

23 Micro Division Performance Growth Overall micro loans at Rp 5.5 tr (+33.4% YoY/ -0.4% QoQ) Net Expansion of +Rp 1.4tr YoY/ -Rp 22bn QoQ Loans portfolio contribution to total loans at 12.5% (-3bps YoY/ -72bps QoQ) Quality Overall NPL at 8.8% (+393bps YoY/ +196bps QoQ) Absolute NPL at Rp 484bn (+Rp 283bn YoY/ +Rp 106bn QoQ) Special Mention Loans at 18.4% (+567bps YoY/ +32bps QoQ) Absolute Special Mention Loans at Rp 1.0tr (+Rp 487bn YoY/ +Rp 14bn QoQ) 23

24 (Rp tr) Micro Loans 6.0 Total Micro Loans NPL 12.0 Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding 4,117 5, Net Expansion (Rp bn) 1, Avg. Loans Outstanding (Rp mn) No of Account 78,348 96, Interest Rate* 11.0% % eff. p.a. Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL *Kredit Mikro Utama 24

25 (Rp tr) Kredit Mikro Utama 4.0 Kredit Mikro Utama (LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding 2,337 3, Net Expansion (Rp bn) 1, Avg. Loans Outstanding (Rp mn) No of Account 58,478 73, Interest Rate 23.0% % eff. p.a. Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL

26 (Rp tr) Government Program 1.4 Government Program (LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding 1,118 1, Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) (26) No of Account 14,941 17, Interest Rate* 8.3% -14.0% eff. p.a Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 14% eff. p.a. 26

27 (Rp tr) Other Micro Loans *) 0.8 Others Micro Loans(LHS) NPL (RHS) 12.0 Key Ratios 3Q 12 3Q 13 YoY Loans Outstanding Net Expansion (Rp bn) Avg. Loans Outstanding (Rp mn) No of Account 4,929 4, Interest Rate* 10.5% % eff. p.a Asset Quality 3Q 12 3Q 13 YoY Special Mention NPL * ) KMK Koperasi untuk anggota,kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas 27

28 Absolute Special Mention Loans (Rp bn) Special Mention Contribution Special Mention Micro Loans KMU (LHS) Govt Programs (LHS) KMU Govt Programs Others Others (LHS) Special Mention Loans (RHS) 1,200 1, % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

29 Absolute NPL (Rp bn) NPL Contribution Non Performing Micro Loans KMU (LHS) Govt Programs (LHS) KMU Govt Programs Others Others (LHS) NPL (RHS) % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

30 Business Process Marketing Staff Customer Sales Credit Analyst Officer Branch/Sub Branch Manager Pick up Staff Supervision Staff Marketing Processing Collecting Position Marketing Customer Sales Credit Analyst Officer Branch/Sub Branch Manager Pick-up Supervision 2Q 13 2, Q 13 2,

31 Sharia Business Performance 3Q13 bank bjb Syariah 31

32 Result Summary Income Statement Net Financing Income at Rp 200.5bn (+37.9% YoY) Operating Expenses at Rp 175.3bn (+30.6% YoY) Net Income at Rp 21.5bn (+99.5% YoY) Balance Sheet Total Financing at Rp 3.7tr (+52.2% YoY) Total Deposit at Rp 3.1tr (+37.1% YoY) Total Asset at Rp 4.6tr (+43.3% YoY) Ratios (bank only) NIM at 6.5% (-72bps YoY) ROA at 0.9% (+24bps YoY) ROE at 4.7% (+206bps YoY) NPF Gross at 4.0% (-83bps YoY) 32

33 Key Ratios Key Ratios 3Q 12 3Q 13 YoY CAR 25.4% 17.9% -7.5 NPF Gross 4.8% 4.0% -0.8 NPF Nett 3.4% 1.1% -2.3 ROA 0.7% 0.9% +0.2 ROE 2.7% 4.7% +2.0 NIM 7.2% 6.5% -0.7 Expense Ratio (BoPo) 90.5% 85.0% -5.5 FDR 103.5% 104.3%

34 Income Statement Income Statement (Rp mn) 3Q 12 3Q 13 YoY Financing Income 248, , Financing Expense (102,796) (173,693) 69.0 Net Financing Income 145, , Other Operating Income 3,050 5, Operating Expense (134,245) (175,315) 30.6 Operating Income 14,151 31, Non Operating Income (Expense) 246 (372) Income Before Tax 14,397 30, Tax Expense (3,599) (9,114) Net Income 10,798 21,

35 Balance Sheet Balance Sheet Highlight (Rp mn) 3Q 12 3Q 13 YoY Cash 19,681 27, Current Account with Bank Indonesia 117, , Secondary Reserves 608, , Financing-net 2,390,849 3,579, Fixed Asset-net 16, , Other Asset 51,435 74, Total Asset 3,203,838 4,591, Total Third Party Fund 2,238,873 3,068, Marketable Securities Issued 115, , Fund Borrowings 168, , Others 52,892 67, Total Liabilities 2,575,418 3,970, Total Equity 628, ,

36 (Rp tr) Sharia Performance 4.0 Total Financing Total Funding Financing (Rp mn) 3Q 12 3Q 13 YoY Murabahah (Trading) 1,118,608 2,140, Ijarah 15,853 7, Financing 912,290 1,381, Qardh (Bridging) 395, , Isthisna (Pawning) 5,874 5, Total Gross Financing 2,447,830 3,725, Funding (Rp mn) 3Q 12 3Q 13 YoY Wadiah Current Account 76, , Mudharabah Current Account Wadiah Savings Account 68,616 93, Mudharabah Savings Account 260, , Mudharabah Time Deposit 1,832,800 2,522, Total Funding 2,238,873 3,068,

37 Company Profile bank bjb 37

38 Ownership West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series) Ownership Structure 3Q12 3Q13 Founder (A Series) West Java Provincial Government 38,26 38,26 West Java Municipal Governments 23,61 23,61 Banten Provincial Government 5,37 5, Banten Municipal Governments 7,76 7,76 Public (B Series) 25,00 25,00 Local Retail 6,14 3,97 Local Institution 12,40 6, Foreign Retail 0,03 0,01 Foreign Institution 6,44 14,4 38

39 Road Map A Strong Sustainable Growth and Profitable National Bank Building/Establishment New Infrastructures Strategy Leading in Service As One of the Big Banks Strategy A National Bank Leading in Service and Performance Strategy Developing HR Competence, IT Infrastructure, and organization for : o Micro & SME Financing o Consumer & Commercial Banking o Treasury & International Matching the 10 Biggest Banks in areas : o HR competence/ IT o Services o Bank bjb `incorporated` Leading in Service and Performance National Bank 39

40 Distribution Network Others Deposits 1.8 Tr Loans 1.8 Tr Micro Loans bn Profit 20.1 bn 46,955 Customers 13 Branch Offices 12 Sub Branch Offices 3 Cash Offices 66 ATM Unit 12 Waroeng bjb 346 Employees Total bjb employees 6,068 Total bjb customers 2,805,046 Jakarta Deposits 5.9 Tr Loans 4.3 Tr Micro Loans bn Loss 28.9 bn 58,346 Customers 9 Branch Offices 62 Sub Branches 7 Cash Offices 1 Payment Point 103 ATM Unit 27 Waroeng bjb 525 Employees Banten Deposits 10.1 Tr Loans 6.1 Tr Micro Loans bn Profit bn 480,317 Customers 8 Branch Offices 42 Sub Branches 26 Cash Offices 12 Payment Point 176 ATM Unit 61 Waroeng bjb 573 Employees West Java Deposits 35.6 Tr Loans 31.6 Tr Micro Loans 4.4 Tr Profit West Java 2.3 bn, Loss Head Oficce 1.3Tr 2,219,428 Customers 32 Branch Offices 188 Sub Branch 116 Cash Offices 93 Payment Point 707 ATM Unit 337 Waroeng bjb 4,615 Employees 40

41 Branch Network Details No bjb Network 3Q 12 3Q 13 YoY 1 Branch Sub Branch Cash Offices Payment Point ATM 674 1, Waroeng bjb (A,B & C) Layanan bjb Precious MSME Center Mobile Cash Weekend Banking Forex Branches Total 1,653 2,

42 Human Capital Level 3Q 12 3Q 13 YoY Board of Commissioners Directors Top Management Middle Management First Line Management 1,067 1, Staff 1,951 4,478 2,527 Employee in Pension Preparation Total Permanent 3,260 6,068 2,808 Educational Breakdown Up to High School Masters and Doctorate Up to Bachelor Degree 95.3% Masters and Doctorate 4.2% Age Breakdown Up to Bachelor Degree Up to High School 0.5% > 50 Micro 2,313 3, Others 5,477 2,200-3,277 Total Non Permanent 7,790 5,389-2, % % Total 11,050 11, % > % 42

43 2012 Awards Infobank Awards 2012 Jamsostek Award: Regional Strategic Partner 2012 Call Center Award for 2012 SINDO People of The Year 2012 CEO of The Year Indonesia Trusted Company The Indonesian Institute for Corporate Governance Mark Plus Conference: Indonesia Marketing Champion 2012 Annual Report Award 2012 The 4 th IICD Corporate Governance Conferences & Award: Best Corporate Governance for Newly Listed 43

44 2013 Awards Infobank Awards Financial Performance Very Good Indonesia Banking Awards Best Performance Banking 2013 for Bank Category BUKU 3 44

45 Rp/share Million Shares Share Price Performance Volume (RHS) Price (LHS) Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan Bandung ext 7140/7141 ir@bankbjb.co.id Contact Person: Irwan Riswandi Manager iriswandi@bankbjb.co.id Ari Budiman Officer abudiman@bankbjb.co.id Anjas Septa Lesmana Officer aslesmana@bankbjb.co.id Simon Sihol Panggabean Staff spanggabean@bankbjb.co.id Source: Bloomberg 45

46 Menara bank bjb 4 th Floor Jl. Naripan Bandung Telp

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