Post on 11-Mar-2019
Ownership
B Series Breakdown
Ownership Shares %
Local
Local Retail 765,446,500 31.58%
EMSA 66,929,000 2.76%
Cooperatives 10,000 0.00%
Foundations 20,182,000 0.83%Foundations 20,182,000 0.83%
Pension Funds 168,702,000 6.96%
Insurances 236,028,000 9.74%
LLC 52,855,622 2.18%
Mutual Funds 205,367,000 8.47%
1,515,520,122 62.52%
Foreign
Foreign Retail 3,341,000 0.14%
Foreign Institutional 905,211,378 37.34%
908,552,378 37.48%
2,424,072,500 100.00%
Capital Structure
Shares Rp. %
A Series 7,272,218,666 1,818,054,666,500 75.00%
West Java Provincial Government 3,709,994,733 927,498,683,250 38.26%
West Java Municipal Government 2,289,395,681 572,348,920,250 23.61%
Banten Provincial Government 520,589,856 130,147,464,000 5.37%
Banten Municipal Government 752,238,396 188,059,599,000 7.76%
B Series 2,424,072,500 606,018,125,000 25.00%
Public 2,357,143,500 589,285,875,000 24.31%
EMSA 66,929,000 16,732,250,000 0.69%
Distribution Network
Distribution Network bank bjb – Q1 2011
Branches 51 Branches Outside West Java & Banten are located in:
Sub Branches 172 Jkt – Arthaloka Semarang Surabaya Jkt – Rawamangun
Cash Offices 45 Batam Medan Denpasar Jkt-Kebayoran Baru
Payment Points 45 Makasar Pekanbaru Tegal
Mobile Offices 7 Jkt - Hasyim Ashari Balikpapan Jkt – Mangga Dua
ATMs 396 Expansion Plan (Branch) Year 2011
Palembang
(South Sumatera)
Bandarlampung
(Sumatera)
Banjarmasin
(South Kalimantan)
Solo
(Central Java)
Branch Expansion
• Branches7
• Sub Branches38
• Cash Offices3
• Payment Point5
• ATM11
• Cash Mobile6
New Distribution Network on Q1 2011
Expansion Plan 2011 2012
New Branches Outside Wet Java & Banten Region 1. Bandar Lampung
2. Banjarmasin
3. Solo
4. Palembang
1. Yogyakarta
2. Menado
3. Samarinda
4. Kediri
Upgrading from Sub Branch to Full Branch 1. Singaparna
2. Balaraja
1. Lembang
2. Ujungberung
3. Cikampek
Number of Branches 57 70
Number of Sub Branches 181 325
Number of Cash Offices 76 80
Human ResourcesLevel Dec – 2010 Mar - 2011
Commisioners 5 5
Directors 5 4
Top Management 20 19
Middle Management 120 137
First Line Management 544 720
Staff 1.337 1.095Staff 1.337 1.095
Employee in Pension Preperation 14 13
Total Permanent 2.045 1.993
Non Permanent 2.995 3.257
Total 5.040 5.250
Management Team
Past experiences include President Director – bank bjb (2007 - Present),
Director of Funding & Services – bank bjb (2005 - 2007), Head of Treasury –
bank bjb (2004 - 2005), Head of Branch – bank bjb , Jakarta (2003 - 2004) and
Head of Branch – bank bjb, Serang (2000 - 2002).
Agus Ruswendi, President Director
Past experiences include Director of Funding & Services – bank bjb(2007 -
Present), Head of Financial Management Division – bank bjb (2005 -
Tatang Sumarna, Director of Consumer Banking
• Appointed President Director 4 April
2007
• Years of Experience at Bank Jabar
Banten: 26 Years
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar Present), Head of Financial Management Division – bank bjb (2005 -
2007), Head of Branch – bank bjb, Bekasi (2003 - 2005) and Head of Branch –
bank bjb, Sukabumi (2002 - 2003).
Past experiences include Director of Loan – bank bjb(2007 - Present), Head of
General Affairs Division – bank bjb(2006 - 2007), Head of Branch – bank bjb,
Jakarta (2004 - 2006) and Head of Branch – bank bjb, Serang (2003 - 2004).
Entis Kushendar, Director of Commercial
Past experiences include Director of Operation – bank bjb(2007 -
Present), Head of Human Resource Division – bank bjb(2005 - 2007), Head of
Branch – bank bjb, Serang (January 2005 - September 2005) and Head of
Branch – bank bjb, Cirebon (2002 - 2005).
Dadang Agus Suryanto, Director of Operation
• Years of Experience at Bank Jabar
Banten: 26 Years
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 26 Years
• Appointed Director 4 April 2007
• Years of Experience at Bank Jabar
Banten: 28 Years
Past experiences include President Commissioner of bank bjb(2006 - Present), Jawa Barat Provincial Secretary
(2006 - Present), Assistant of Regional Secretariat of Jawa Barat on Economic Affairs (2004 - 2006) and Head of
Environmental Protection Agency of Jawa Barat (2001 - 2004).
Lex Laksamana Zainal Lan, President Commissioner
Achmad Baraba, Independent Commissioner
Muhadi, Commissioner
Past experiences include Commissioner of bank bjb(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 Commisioners
Past experiences include Independet Commissioner of bank bjb(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
Past experiences include Independent Commissioner of bank bjb(2007 - Present), SRM Spoke B Manager SPB KC
Bank Mandiri Jakarta Juanda ex. BDN (2002-2003), Head of Branch - Bank Mandiri Daan Mogot (1998 - 1999) dan
Head of Branch - Bank Mandiri Cinere (1996 - 1998).
Muryanto, Independent Commissioner
Klemi Subiyantoro, Independent Commissioner
Past experiences include Independent Commissioner of bank bjb(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).
Financial Highlights
15.51
21.21
23.04
26.04
32.41
35.82 43.44
46.67
Asset
10.07
11.76
13.05
16.43
19.63
19.81
23.67 24.67
Loan
2005 2006 2007 2008 2009 Mar 2010 2010 Mar 2011 2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
11.53
15.54
16.49
18.35 23.72
27.86
31.95
33.86
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
3rd Party Deposit
1.50
1.80
2.18
2.48
3.09
3.30
4.99
4.67
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
Equity
Financial Highlights
709,106
890,171
Net Profit
985,377
1,219,628
Gross Profit
````````````````````````````````````````````````````````````````256,636 302,442
370,667
542,162
709,106
260,005
2005 2006 2007 2008 2009 2010 Mar 2011
446,889 504,297
552,707
818,946
985,377
351,491
2005 2006 2007 2008 2009 2010 Mar 2011
Ratios
14.97%16.81%
15.06%21.20%
21.41%
22.85%19.63%
Capital Adequacy Ratio
9.77%6.38%
5.97%
8.45%
7.63%
8.81%
7.32%
6.54%
Net Interest Margin
2006 2007 2008 2009 Mar 2010 2010 Mar 2011 2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
3.04%
2.63%
2.40%
3.31%
3.24%
3.29%
3.15%
3.05%
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
Return On Asset
18.93%
18.01%
19.41%24.98%
28.09%
25.84%
24.95%22.53%
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
Return On Equity
Ratios
0.45%0.41%
0.70%
0.78%
1.97%
2.05%
1.86%2.43%
2005 2006 2007 2008 2009 Mar 2010 Mar
Gross NPL
87.33%
75.67%
79.02%89.44%
82.47%
71.14%
71.14%
70.17%
Loan To Deposit Ratio
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
20112005 2006 2007 2008 2009 Mar 2010 2010 Mar 2011
78.04%
80.39%
79.42%75.41%
77.30%
77.44%
76.60%77.25%
2005 2006 2007 2008 2009 Mar
2010
2010 Mar
2011
Operational Expenses to Operational
Income
Deposits Breakdown
Business Mar'11 Mar'10
Conventional 32,875,410
Sharia 982,313
TOTAL 33,857,723 27,854,009
27,854,009
TOTAL 33,857,723 27,854,009
Conventional Deposits Breakdown
Mar'10 % CASA
Gov't Related 42.21% 69.19%
Corporation 39.14% 12.17%
Retail 18.65% 57.57%
44.70%
Mar'11 % CASA
Gov't Related 41.71% 63.75%
Corporation 38.69% 11.29%
Retail 19.59% 55.93%
41.92%
Loans Breakdown
Consumer Banking
•Kredit Multiguna
Bhakti (Civil
Servant and
Employee Loans)
•Pensioners Loans
•Mortgage Loans
Commercial
Banking
•Working Capital
above Rp. 100
million
•Investment
above Rp. 100
million
•Construction
Loans
•Syndicated loans
•Multifinance
loans
Micro Banking
•Kredit Mikro
Utama
•Kredit Usaha
Rakyat
•Working Capital
and Investment
loans by
Government
Program
•Working Capital
for Cooperative
Sharia Banking
•Murabahah
•Mudharabah
•Musyarakah
•Qardh
•Istishna
loans
•BPR Linkage
The big 3 Debtors
No Debtor Business Sector Outstanding per
Mar 11
1 PT Adira Dinamika Multifinance, Tbk Multifinance 250 Bio
2 PT. Telekomunikasi Indonesia,Tbk Telecommunication 250 Bio
3 PT. Permodalan Nasional Madani Finance 218,85 Bio
Consumer Banking
• bank bjb have a strong customerbased in consumer banking, per 31Mar 2011, 72.95% of total loan bookare contributed by consumer loan.
• Kredit Multiguna Bhakti is our mainconsumer banking product, This is
Resume
Interest Rate 9% - 12% pa flat
Loan Period 10 years max
Collateral Non
consumer banking product, This ismultipurposes loan mainly for CivilServants and others fixed incomeemployees. This segment are quitesafe as our function to distributetheir payroll.
• Currently bank bjb has varietyproduct in consumer loan, we havealso mortgage loan, namely KPRMultigriya, and we plan to launchcar loan by this year (2011).
Insured Yes
Funding Product on Consumer Banking
Tandamata
Tandamata Gold
Tandamata Bisnis
Tandamata Haji
Tabunganku
Simpeda
• bank bjb has micro loan product called Kredit Mikro Utama, we had starting to disburse
Kredit Mikro Utama at the end of 2007.
• To accelerate and monitoring Kredit Mikro Utama, we have minimum 3 persons in every
branches and sub branches to maintain this product, they are 1 person for analyst, 1 person
for marketer, and 1 person for collector.
• To achieve our target at the end of 2011 the strategies of micro banking are as follows :
Micro Banking
• To achieve our target at the end of 2011 the strategies of micro banking are as follows :
1. Optimizing IT implementation on Micro Banking Assessment to increase our Service
Level Aggreement (SLA).
2. Involving Direct Sales Agency (DSA) to collect the payment from debtors.
3. Product diversification to increasing the number of customers.
Commercial Banking
• bank bjb provide some loans and services for commercial segment.
• Currenty we manage more than Rp. 3,7 T loan portfolio in this kind of market.
• These are some product of commercial banking :
Working Investment Construction
Syndicated Multifinance
• In this Q1- 2011, we are launching some new product as follows:
• These services will increase our CASA Ratio , this is inline with our target to restructuring
funding composition in the end of 2011.
Working
CapitalInvestment Construction
Syndicated
LoanMultifinance
Samsat Outlet in West Java, Banten, and JakartaSamsat Outlet in West Java, Banten, and Jakarta
Sc hool Fee Payment ServicesSc hool Fee Payment Services
BPHTB Payment ServicesBPHTB Payment Services
Our Positions
NO. BANK DEPOSITS
1 MANDIRI 332,727,856
2 BRI 328,778,818
3 BCA 277,534,000
4 BNI 189,351,000
5 CIMB NIAGA 117,820,000
6 DANAMON 79,541,163
7 PANIN 75,054,982
NO. BANK LOANS
1 BRI 241,064,755
2 MANDIRI 218,992,542
3 BCA 153,116,000
4 BNI 132,431,000
5 CIMB NIAGA 102,715,000
6 DANAMON 75,090,482
7 PANIN 57,549,199
NO. BANK ASSET
1 Mandiri 408,771,732
2 BRI 395,394,177
3 BCA 323,345,000
4 BNI 241,169,000
5 CIMB NIAGA 142,932,000
6 DANAMON 113,860,553
7 PANIN 106,508,000
8 BII 59,507,744
9 PERMATA 57,791,510
10 BTN 45,332,650
11 MEGA 42,314,065
12 CITIBANK 37,447,014
13 OCBC NISP 35,650,577
14 HSBC 32,641,306
15 bank bjb 31,953,462
16 UOB BUANA 28,265,938
17 BTPN 25,500,211
18 DBS 19,771,749
19 STANDARD CHARTERED 18,782,286
20 EKONOMI RAHARDJA 18,396,436
8 PERMATA 50,589,480
9 BII 49,695,623
10 BTN 48,624,640
11 BANK OF TOKYO 28,392,602
12 OCBC NISP 27,956,914
13 UOB BUANA 27,464,426
14 CITIBANK 26,826,828
15 MEGA 23,992,197
16 HSBC 23,918,614
17 bank bjb 23,669,719
18 BTPN 23,300,069
19 STANDARD CHARTERED 21,857,580
20 DBS 18,937,562
8 PERMATA 73,570,333
9 BII 71,624,563
10 BTN 68,334,110
11 CITIBANK 55,698,668
12 MEGA 51,878,624
13 OCBC NISP 44,474,822
14 bank bjb 43,445,700
15 HSBC 42,238,138
16 BUKOPIN 41,701,278
17 BANK OF TOKYO 39,755,170
18 UOB BUANA 38,485,781
19 STANDARD CHARTERED 35,490,868
20 BTPN 34,639,394
Strategy
Increasing funding’s market
share and restructuring its
composition
Increasing loan’s
market share
Management development
in order to support
business growth
Internal control and
GCG’s
implementation
• Optimizing deposits growth in order to increase market shares
of deposits.
• Developing customer oriented products and services
• Improving services quality• Improving any researchs which related on expanding
distribution network
• Accelerating the bank function as
intermediary
institution
• Optimizing loans growth in order to
increase loans
market shares
• Developing loans distribution
network
• Improving quality and
quantity of planning
strategy
• Organization development• Extending quantity and
quality of Human Capital
• IT system development
• Optimalization in
expanding of subsidiaries
company
• Improving operational
services
• Improving Risk Management’s
implementation
• Improving internal control through Risk
Based Audit
• Improving GCG’s implementations
Achievements
• Bandung Service Excellence Award, The Best Bandung Service
Excellence Champion, Category: Conventional Banking
• Investor Award, Best CEO, Category: Regional Bank
• Infobank Platinum Award for BPD (1st Best ATM, 1st Best Security, 2nd
Best Phone Handling, 3 Overall performance)
2010
Best Phone Handling, 3rd Overall performance)
• Tempo Award, The Best performance Award of Indonesian Bank
(Regional Dev. Bank Award)
• Bisnis Indonesia, The Best Regional Development Bank• Bisnis Indonesia, Efficiency Award
• Kriya Pranala Mahakarya, Most active bank in linkage program• Bisnis Indonesia, Efficiency Awards• Infobank Award, Very good on Financial Report
2008
2009
Asset Buy
• We buy civil servants outstanding loan from others BPDs (Regional Development Bank) starts November 2010
• Per 31 Mar 2011, we’ve buy for Rp. 720,06 Bio, (which come from 2 banks).
General Meeting
• We’ve held our year end 2010 general meeting
on March 28th 2011
• Extra ordinary general meeting of
shareholders will be held maximum 6 months
after General Meeting year end 2010
General Meeting Result
1. Approving 2010 Annual Report, include Management Report, Board of Commissioner Report and
legitimation of bank bjb and subsidiary’s Financial Report years ended December 31, 2010 that have
audited by Independent Auditors (Purwantono, Suherman, Surja) as the members of Ernst and Young
Global that expressed an unqualified opinion
2. Deciding the usage of Net Profit on Year 2010 as a follow:
a) 65 % or equal Rp. 578.610.881.686 for dividend
b) 35% or equal Rp. 311.559.705.523 for reserve
3. Giving into Board of Commissioners to appoint Independent Auditors to audit 2011 Financial Report
and determine others terms include the amount of fee.and determine others terms include the amount of fee.
4. Conveying statement of application of IPO Fund at year 2010
5. Delaying consideration of change in Corporate Statutes for further evaluation and will be propose on
next General Meeting that will be held maximum 6months after.
6. a) Approving the change of Pension Fund Regulation as follows:
• Deciding bank bjb Sharia as Pension Fund Partner
• Increasing employer premium fee from 16,7% to 17,3% of Pension Basic Income
• Increasing pension benefit for pensioners from below Rp. 1,1 million to Rp. 1,1 million per
months
b) Approving authority delegation to Directors to measure and arrange the changing of Pension
Fund Regulation and propose its to related authorized institution
7. Extending period of existing Directos and Board of Commissioners, except Mr. Herry Achmad
Buchory, for maximum 6 months until definitive Directors and Board of Commissioners for 2011-2016
have choosen.