3Q 2011 - Corporate Presentation
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk
Disclaimer:
Table of Contents
Ownership
Board of Commissioners
Board of Directors
Strategy (Road Map)
Distribution Network
Balance Sheet Highlight
Balance Sheet Highlight
Income Statement Highlight
Financial Highlight
Loan / Financing Breakdown
The Big 5 Debtors
Deposits Breakdown
Performances by Area
Human Capital
Ownership
A Series 75,00%
B Series 25,00%
100,00%
B Series Breakdown
B Series Breakdown
Ownership
Shares
%
Local
74.21%
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$
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Foreign
25.79%
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B Series Total
2,424,072,500
%- . * / 0 1 2bjb3 ## 4 # / 5 ) * , 6 & 0 1 2bjb3 ## 4 ## 7 8 * 5 9 : 0 1 2bjb3 ##" 4 ## 7 8 * 5 ; 0 1 2bjb , 2 3 ## 4 ##"7 * 8 * 5 ; 0 1 2bjb & , 3 ### 4 ## 7
Agus Ruswendi, President Commissioner
Achmad Baraba, Independent Commissioner
Muhadi, Commissioner
%- * ( 5 1 2bjb3 ## 4 7 & : 3 ## 4 7 ( 2 5
& : 3 ## 7 8 * 5 & 4 , * ' 5 3 ## 7 * 8 * 5 & 4
5 3 ## 4 ## 7
Board of Commissioners
%- * + * * ( 5 1 2bjb3 ## 4 7 1 5 &: ; 2 , /
( 2 5 + * 3 ### 4 7 / & , % 6 < , 3 ## 4 ## 7 1 5 )
* 9 9 2 5 + * 3 !!! 4 ## 7 * = ,; / 2 + * 3 !! 4 !!!7
Achmad Baraba, Independent Commissioner
%- * + * * ( 5 1 2bjb3 ## 4 7 + * * ( 5 9 '*; > :
3 7 912 3 ## 4 ## 7 8 * 5 ' * ( 5 9 '*; > : 3 7 912 3 ## 4 ## 7 * 1 5 ' *
( 5 9 & 2 3 7 912 3 ## 4 ## 7
Klemi Subiyantoro, Independent Commissioner
Yayat Sutaryat, Independent Commissioner
%- * + * * ( 5 ( , & 3 # #4 7 8 * 5 , ,
Board of Directors
Bien Subiantoro President Director & : #
:. & '* 2 * , , / 5 ?+ ## 4 # #
Entis Kushendar Director & : #
:. ( 2 , / 5
1 2 1@1 / 8 * 5
Zaenal Aripin Director & : #
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/ 5 ?+ ## 4 # # 1 2 1@1 / 8 * 5
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1@1 8 * 5 (; , , =55 1 2 1@1
Bambang Mulyo A. Director
& : #
:. / 8 * 5 '* 1 2 1@1 / 8 * 5 ( 1 2 1@1
Arie Yulianto Director & : #
:. / 8 * 5 2 , 1 2 1@1 / 8 * 5 , ( * 2
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Shahyohan Johnny Azis Director
& : #
:. / 8 * 5 ? A 2 * & ?+ / 8 * 5 + 2 , ?+
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
SME / Micro Financing
Corporate, Commercial
and Institutional
Banking
Consumer Loans
Consumer Deposit
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
Support Strategy
• 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.
Bank bjb Distribution Network per Sept;2011
( , B4 # %- "B #
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& 1 ; #
( ; = "
: "
1 ( ; 4
: 2 , & "
Sub Total 364 97
'9 C "" "
Distribution Network
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Main Branches Outside West Java & Banten are located in:
2 4 ' ; 2 & , & 1 : 2 4 A ,
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Balance Sheet Highlight
Balance Sheet Highlight 3Q 2011 FY 2010 3Q 2010 YtD (%) YoY (%)
9 ' 53,818,747 43,445,700 42,531,106 23.88% 26.54%
* , " " " "# !#" "$ $ #
4Loans & Financing 27,817,782 23,669,719 22,376,933 17.52% 24.31%
4 + * ; 2 " #! # 3 $ 7 "$
4 2 1 & & + ! " # ! $ $#!
4 %E : " " #$## #$##
) * , 47,638,596 37,065,628 36,839,039 $ !$
Third Party Deposits 40,266,533 31,953,462 33,754,280 26.02% 19.29%
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Income Statement Highlight
Income Statement Highlight
3Q 2011
3Q 2010
YoY (%)
FY 2010
+
+
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Net Interest Income
2,270,648
1,968,777
15.33%
2,639,581
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Net Non Operating Income
36,694
17,764
106.56%
29,090
Profit Before Tax
1,064,760
1,055,901
0.84%
1,219,628
Net Profit
794,703
791,298
0.43%
890,171
Loan/Financing Breakdown
Segment Outstanding (Rp. Bio)
Growth YoY
∆Rp (Outs)
NPL (%) Gross
! # " $ $ $
( # $ ! $ 9 #$ !
( " #$ $# 9 #$
Conventional Loans
26,266 ↑↑↑↑ 24.88% 5.23 T 2.6%
Segment Outstanding (Rp. Bio)
Growth YoY ∆Rp (Outs)
1 ; ; 0 39 * ,7
$ !$
+ ; 0
3( 7
# 3 $# 7 3 $ 7
B *; 0
3 *, ,7
# $#" $
1 : 0
3) ,7
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3 A ,7
3 $! 7 3 $"# 7
Sharia Loans 1,629 ↑↑↑↑16.01% ↑↑↑↑224.81 B
Acquiring New Market
Consumer Loan
Methods
Outstanding per Sept’11
(Rp. Mio)
Outstanding per Des’10
(Rp. Mio)
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The Big 5 Debtors
No.
Debtors
Outstanding (Rp, Mio)
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Deposits Breakdown
Conventional Deposits Breakdown
September 2011 June 2011 March 2011 December 2010
$ 3 7 $ 3 7 $ 3 7 $ 3 7
* ) * ""$ " " " $ " $ ! $
* ) * ""$ " " " $ " $ ! $
( " $ ! $ $ ! "$#"
" $" $ "" !$ ! ! $
TOTAL 38,676 100% 34,861 100% 32,876 100% 31,018 100%
Conventional Deposits Breakdown
September 2011 June 2011 March 2011 December 2010
$ 3 7 $ 3 7 $ 3 7 $ 3 7
( ' # $ ! ! $ ! ! ! # #$ " "$#"
& , ' " $ " # ! $ $ ! " ! $
9 / " #$ ! # !$ ! #! $# ! #$
Performances by Area
Consolidated Breakdown
Deposits
Loans
Number of
Branches
&;
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Human Capital
Positions
Sept 2011
June 2011
Sept 2010
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Total Permanent
2,113
2,135
2,027
Non Permanent
3,566
3,429
2,753
Good Corporate Governance
Gratifications Controlling Unit
( +
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