2Q 2011 - Corporate Presentation
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk
Disclaimer:
Table of Contents
Ownership
Board of Commissioners
Board of Directors
Income Statement Highlight
Strategy (Road Map)
Distribution Network
Distribution Network
Balance Sheet Highlight
Financial Highlight
Key Financial Indicators
Loan Breakdown
The Big 5 Debtors
Deposits Breakdown
Human Capital
Ownership
B Series Breakdown
A Series 75,00%
West Java Provincial Goverment 38,26%
West Java Municipal Governments 23,61%
Banten Provincial Government 5,37%
Banten Municipal Governments 7,76%
B Series 25,00%
100,00% B Series Breakdown
Ownership Shares, as of June'11 %
Local 73.53%
Local Retail 898,730,500 37.08%
EMSA 53,099,000 2.19%
Cooperatives 260,000 0.01%
Foundations 16,186,000 0.67%
Pension Funds 216,757,500 8.94% Insurances 277,757,000 11.46%
LLC 77,180,027 3.18%
Mutual Funds 242,418,000 10.00%
Foreign 26.47%
Foreign Retail 3,366,000 0.14% Foreign Institutional 638,318,473 26.33%
Experiences : President Director – bankbjb(2007 - 2011, Director of Funding & Services – bankbjb(2005 - 2007), Head of Treasury – bankbjb(2004 - 2005), Head of Branch – bankbjb ,Jakarta (2003 - 2004) and Head of Branch – bankbjb, Serang (2000 - 2002),
Agus Ruswendi,President Commissioner
Achmad Baraba,Independent Commissioner
Muhadi,Commissioner
Experiences include Commissioner of bankbjb(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),
Board of Commissioners
Experiences include Independet Commissioner of bankbjb(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
Experiences include Independent Commissioner of bankbjb(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),
Klemi Subiyantoro,Independent Commissioner
Yayat Sutaryat,Independent Commissioner
Board of Directors
Bien Subiantoro President Director Since July 2011
Previously: Senior Advisor Bank Mandiri,
Entis Kushendar Director
Since July 2011
Previously: Commercial Banking
Zaenal Aripin Director Since July 2011
Previously: Division Head of Strategic Previously: Senior Advisor Bank Mandiri,
Managing Director of BNI, 2003 - 2010
Previously: Commercial Banking Director of bank bjb, Division Head of General Administration bank bjb
Previously: Division Head of Strategic Planning bank bjb, Head of Change Management Office bank bjb
Bambang Mulyo A. Director
Since July 2011
Previously: Division Head of General
Arie Yulianto Director Since July 2011
Previously: Division Head of Micro Banking bank bjb, Division Head of Legal,
Shahyohan Johnny Azis Director
Since July 2011
Income Statement Highlight
Income Statement Highlight
Q2 2011
Q2 2010
YoY (%)
FY 2010
Interest Income
2,817,409
2,237,363
25.93%
4,894,312
Interest Expense
(1,352,085)
(961,077)
40.68%
(2,254,731)
Net Interest Income
1,465,324
1,276,286
14.81%
2,639,581
Other Operating Income
215,039
254,221
(15.41%)
277,712
215,039
254,221
(15.41%)
277,712
Operating Expense
(982,339)
(814,793)
20.55%
(1,726,755)
Non Operating Income
30,516
12,637
141.48%
29,090
Non Operating Expense
-
-
-
-Net Non Operating Income
30,516
12,637
141.48%
29,090
Profit Before Tax
728,640
728,351
0.04%
1,219,628
Net Profit
2013-2014
2013-2014
2015
2015
2011-2012
Building/Establishment New Infrastructures
Leading in Service As One of the Big 10 Banks
A National Bank
Leading in Service and Performance
Road Map
A Strong Sustainable Growth and Profitable National Bank
Strategy
HR Competence, IT Infrastructure, and organization for :
o Micro Financing, SME
o Consumer / commercial Banking
o Treasury/ International
o Subsidiaries
Match with the Big 10 Banks / peer in areas :
o HR competence/ IT
o Services
o Bank bjb `incorporated`: Syariah, Insurance, Securities
Leading in Service and Performance National Bank
Business and Strategic Alliances
Treasury and International
Subsidiaries Company
oOrganizations and competence HR oTechnology and
oInfrastructure and Cash Management System for Business Institutions
oOrganization and competence HR oStrengthening and
oRebranding , branch expansion and
oFacilitate International and domestic investors on West Java and Banten
oKeeping sustainable growth on subsidiaries
Sustainable Growth and
Profitable
oTechnology and Infrastructure Micro Financing (Electronic Loan Processing system and Loan Factory Operations ), Micro/ SME Centers oStrategic alliance with
cooperatives , rural bank, and college
oAlliances and acquisitions MSME Financial
Institutionss
Business Institutions /governments oOrganization,
Corporates and Commercials loan process
oRisk Management and debtor rating system
oStrengthening and developing employee loans, Kredit Multiguna oElectronic Loan
Processing System,Loan Factory Operations and consumer Loan Centers oAliances and acquisitions
Finance Company
expansion and service excellence oProduct Rebranding
Saving Product, Time Deposit, Current Account
oAgresive Sales and Promotion Saving and Current Account
West Java and Banten oOrganization Development,
System, and technology for Trade finance,
Remittances, Dealing room
oStrategic Alliances with coresponden Bank Remittance Agencies
subsidiaries company oDeveloping,
acquisitions insurance company, bancassurance , Securities
Risk Capital Committee
RCC
Human
Capital IT Operations
Distribution Network
Risk Management & Compliance
Accounting and Financial
Reporting
Investor Relations
• Credit Policy
Committee (CPC)
• Assets and Liability
Committee (ALCO)
• Risk Management
Committee (RMC)
Risk and Capital Committee
• Policy and
Implementations of recruitment, career path and job grading
• Reward and
Punishment System
Human Capital
• Core Banking
System Development
• Surrounding system
strengthening as well as bank business growth
Information Technologi
• Build Central
Operations Straight Thru Processing (STP)
• Build e-banking
operations and Trade Processing Center
Operations
Support Strategy
Punishment System business growth
Treasury And International
• Branch and ATMs
Service Improvement
• Branch and ATMs
Expansion and relocation
• MSME Center
Expansion
• Accuratively, Timely
Accounting and Reporting System comply with regulation
• Build Risk
Management Policy and Risk Culture
• Build Risk
Management System comply with Basel III
• Compliance Policy Distribution
Network
Accounting and Reporting System
Risk Management and Compliance
Center
• Build
communications infrastructure with Investors, Media,
• and build corporate
image.
Business Strategy
2nd Half of Year
2011
• Establishment of two regional business areas (Jakarta and Bandung), International
Banking and Institutional Banking Divisions
• Recruitment of IT, International and Institutional Banking Division Heads.
• Establishment of two regional business areas (Jakarta and Bandung), International
Banking and Institutional Banking Divisions
• Recruitment of IT, International and Institutional Banking Division Heads.
Enhancement Organization Structure
• Call Name
bjb
on all products and services.
• Call Name
bjb
on all products and services.
Products / Brand
• Call Name
bjb
on all products and services.
• Strengthening and growing consumer loans “KGB” as a champion product.
• Improve Service Quality and benchmark with top five national bank.
• Call Name
bjb
on all products and services.
• Strengthening and growing consumer loans “KGB” as a champion product.
• Improve Service Quality and benchmark with top five national bank.
• Review authorization limit for Commercials Loan Underwriting.
• Review authorization limit for Commercials Loan Underwriting.
Risk Management
• Improve and Enhance yield of tertiary reserve.
• Improve and Enhance yield of tertiary reserve.
Organizing
Funding, Lending and Services
Regional Office
Lending
Services
Funding
Institutional
Banking for
Corporates &
Commercials
Banking
Customers
Branch For
Retail
Banking
Customers
SME and
Commercial
Banking
Center for
Commercials
and Micro
Segment
Branch For
Consumer
Loans and
Micro
Segment
Distribution Network
Bank bjb Distribution Network
June 2011
51 Main Branches
174 Sub Branches
46 Cash Outlets
54 Payment Points
7 Mobile Cash
432 ATMs
Main Branches Outside West Java & Banten are located in:
Jkt - Arthaloka
Semarang
Surabaya
Jkt - Rawamangun
Batam
Medan
Denpasar
Jkt - Kebayoran Baru
Makasar
Pekanbaru
Tegal
Jkt - Hasyim Ashari
Balikpapan
Jkt – Mangga Dua
Main Branches Expansion Plan, Second half of the Year 2011
Palembang
(South Sumatera)
Bandarlampung
(Sumatera)
Banjarmasin
(South Kalimantan)
Solo
(Central Java)
Balance Sheet Highlight
Balance Sheet Highlight Q2 2011 FY 2010 Q2 2010 YtD (%) YoY (%)
Total Asset 49,326,302 43,445,700 40,239,427 13.54% 22.58%
Lending 47,561,410 41,585,564 38,572,986 14.37% 23.30%
-Loans & Financing 26,605,351 23,669,719 21,450,244 12.40% 24.03%
- Placement at BI and other Bank 15,156,402 15,467,809 11,813,494 (2.01%) 28.30%
- Marketable Securities incl SBI 5,764,443 2,412,821 5,275,309 138.91% 9.27%
- Equity Participaiton 35,214 35,215 33,939 0.00% 3.76%
Funding 43,409,886 37,065,628 36,103,800 17.12% 20.24%
Third Party Deposits 36,227,134 31,953,462 32,738,031 13.37% 10.66%
- Current Account 10,029,756 7,610,326 10,808,928 31.79% (7.21%)
- Saving Account 4,192,583 4,876,717 3,526,694 (14.03%) 18.88%
- Time Deposits 22,004,795 19,466,419 18,402,409 13.04% 19.58%
Others Deposit 7,182,752 5,112,166 3,365,769 40.50% 113.41%
- Deposits form Others Bank 3,429,637 3,353,645 1,606,621 2.27% 113.47%
- Bond Issued 3,741,335 1,745,936 1,745,138 114.29% 114.39%
- Fund Borrowing 11,780 12,585 14,010 (6.40%) (15.92%)
Financial
Highlight
Financial Highlight
Total Asset (Rp, Mio)
Total Loans (Rp, Mio)
Total Deposits (Rp, Mio)
Equity (Rp, Mio)
Net Profit (Rp, Mio)
Q2 2011
49,326,302
26,605,351
36,227,134
4,963,382
544,000
FY 2010
43,445,700
23,669,719
31,953,462
4,990,993
890,171
Q2 2010
40,239,427 Net Profit (Rp, Mio)
Tier I
CAR
NPL Gross
Key Financial Indicators
2005 2006 2007 2008 2009 Jun-10 2010 Jun-11 2005 2006 2007 2008 2009 Jun-10 2010 Jun-11
10,07
23,67 26,60
2005 2006 2007 2008 2009 Jun-10 2010 Jun-11
Loan
2005 2006 2007 2008 2009 Jun-10 2010 Jun-11
Key Financial Indicators (con’t)
709.106
890.171
Net Profit
985.377
1.219.628
Gross Profit
256.636 302.442
370.667
542.162
709.106
544,000
2005 2006 2007 2008 2009 2010 Jun 11
446.889 504.297
552.707
818.946
728,640
Key Financial Indicators (con’t)
0,45%
0,41%
0,70% 0,78%
1,97%
1,86%
1,86% 2,41%
Gross NPL
14,97%
16,81%
15,06%
21,20%
15,77%
22,85%
19,21%
Capital Adequacy Ratio
2005 2006 2007 2008 2009 Jun 10 2010 Jun 11 2006 2007 2008 2009 Jun 10 2010 Jun 11
3,04%
2,63%
2,40% 3,31%
3,24% 4,08%
3,15%
3,15%
2005 2006 2007 2008 2009 Jun 10 2010 Jun 11
Return On Asset
18,93%
18,01% 19,41%
24,98%
28,09% 37,28% 24,95%
24.24%
2005 2006 2007 2008 2009 Jun 10 2010 Jun 11
Key Financial Indicators (con’t)
9,77% 6,38%
5,97% 8,45%
7,63%
7,74%
7,32%
6,77%
Net Interest Margin
87,33% 75,67%
79,02% 89,44%
82,47%
63,73%
71,14%
71,85%
Loan To Deposit Ratio
2005 2006 2007 2008 2009 Jun 10 2010 Jun 11
78,04%
80,39%
79,42% 75,41%
77,30%
70,80%
76,60%
75,47%
2005 2006 2007 2008 2009 Jun 10 2010 Jun 11
Operational Expenses to Operational Income
Loan Breakdown
Segment
Outstanding
(Rp. Bio)
Growth
YoY
∆
Rp
(Outs)
NPL (%)
Gross
Micro Loans
2,760
53.72%
964B
3.56%
Consumer
Loans
18,176
17.37%
2,69T
0.19%
Commercial
Loans
4,216
28.57%
936B
10.85%
Total Loan
25,152
24.03%
4,6 T
2.41%
72,26% 10,97%
16,76%
Conventional Loan Breakdown June 2011
Acquiring New Market
Civil Servant Loan
Methods
Total Outstanding per Jun’11
(Rp. Mio)
Channelling
316.552
Asset Buy
487.193
Total
803.745
Acquired from 3 (three) Regional Development Banks :
The Big 5 Debtors
No.
Debtors
Outstanding (Rp, Mio)
1
Adira Multifinance
250,000
2
Telkom
250,000
3
Permodalan Nasional Madani
200,100
4
Pertani
154,853
Deposits Breakdown
Conventional Deposits Breakdown June 2011 March 2011 December 2010
Rp. Billions (%) Rp. Billions (%) Rp. Billions (%)
Government Related Funds 16,584 47.57% 13,713 41.71% 7,329 23.63%
Corporate 11,765 33.75% 12,721 38.69% 16,762 54.04%
Retail 6,512 18.68% 6,442 19.59% 6,927 22.33%
TOTAL 34,861 100% 32,876 100% 31,018 100%
Deposits Breakdown
June 2011
Government Related Funds Corporate Retail
Deposits Breakdown
March 2011
Government Related Funds Corporate Retail
Conventional Deposits Breakdown June 2011 March 2011 December 2010
Rp. Billions (%) Rp. Billions (%) Rp. Billions (%)
Current Account 9,967 28.59% 9,970 30.33% 7,458 24.04%
Saving Account 4,019 11.53% 3,811 11.59% 4,691 15.12%
47,57% 33,75%
18,68%
Government Related Funds Corporate Retail
41,71% 38,69%
19,59%
Human Capital
Positions
March 2011
June 2011
Board of Commisioners
5
5
Directors
4
4
Top Management
19
20
Middle Management
137
150
Middle Management
137
150
First Line Management
720
744
Staff
1095
1202
Employee in Pension Preparation
13
10
Total Permanent
1,993
2,135
Non Permanent
3,257
3,429
Good Corporate Governance
Gratifications Controlling Unit
Better GCG Implementation
bank bjb has signing MOU with KPK in term to control gratification activities that may happen in bank bjb. This MOU implementation are starts from establishment of Gratification Controlling Unit. By this, bank bjb become the first institution in banking industry who run this mechanism. This is include policy to expand individual wealth reporting not only for structural employee, but also covering whole bank bjb employee who may expose by gratifications.
