Performance Review
As of December 31,
2015
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, February 4, 2016
2
Unit
Unit
IDR BILLION
Unit
IDR BILLION
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
LOAN TYPE
TARGET
REALISASI S.D 31 DESEMBER 2015
MORTGAGE
Construction Loans in
Progress
TOTAL
4
INTERNATIONAL 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
REGIONAL AWARDS 2015
ASEAN CORPORATE GOVERNANCE AWARD 2015
“Top Two Publicity Listed Companies with the Most Improved Scores “
TOP NATIONAL AWARDS 2015
ANNUAL REPORT AWARD 2014
“Juara III Kategori BUMN Keuangan
Listed”
ANUGERAH PERBANKAN INDONESIA 2015 – ECONOMIC REVIEW
“Peringkat I Kelompok Bank BukuIII“ dan
“Tokoh Perbankan 2015 untuk Direktur
UtamaBank BTN”
THE 7thIICD Corporate
Governance AWARD
PERFORMANCE IN 2015
FINANCIAL HIGHLIGHTS
Total Asset (IDR Billion)
Total credit & sharia financing (IDR billion)
Total Deposits (IDR billion)
Net profit (IDR billion)
Q4 2015
Y.O.Y %
As of December 31, 2015, Bank BTN growth is above the banking industry
average
NPL Gross
4,01%
3,42%
Industry
*) Data as of November 30, 2015
6
NET PROFIT
Net Profit increased to 61.57%
INCOMESTATEMENT
Interest Income (IDR Billion)
Interest Expense (IDR Billion)
Net Interest Income (IDR Billion)
Other Operating Income (IDR Billion)
Q4 2015
Y.O.Y %
Other Operating Expense (IDR Billion)
(4.828)
(5.465)
13,26 %
Profit From Operating (IDR Billion)
1.577
2.534
60,62 %
Non Operating Income (Expense) (IDR Billion)
2
8
322,56%
Profit Before Tax (IDR Billion)
1.579
2.542
60,95 %
MORTGAGE MARKET SHARE
Mortgage FLPP Market Share
Bank BTN is still the leader in mortgage market with market share 30.6%
Source: Data as of September 30, 2015 Source: Data as of September 30, 2015
8
Rp. Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares IDR Bn Shares
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 25,804 40.60% 25,562 31.40% 28,429 28.30% 34,347 29.63% 43,527 31.32% 26.73%
Total Deposits Mix
(IDR Trillion)
CASA Composition
(%)
Total Deposits
(IDR Trillion)
Deposits FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 y.o.y
Current Account 13.15 13.27 19.12 23.23 30.88 32.93%
Savings Account 14.82 21.54 24.24 25.55 29.87 16.93%
Time Deposits 34.01 45.88 52.86 57.70 66.99 16.10%
Total 61.97 80.69 96.21 106.48 127.75 19.97%
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SHARIA BUSINESS
Sharia Assets
(IDR Billion)
Sharia Net Profit
(IDR Billion)
Sharia Deposits
(IDR Billion)
Sharia Financings
Ask & Question
Performance Review
As of Desember 31, 2015
12
Thank You
________________
PT Bank Tabungan Negara (Persero) Tbk
Menara BTN 20thFloor –Jalan Gajah Mada No. 1
Jakarta Pusat - 10130
