Financial Report Q1-2011

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.

Financial Highlights – Past 5 Years

Financial Highlights – Past 5 Years

Ratios – Past 5 Years

Q & AQ & A