Q2 FY03/2019 Earnings Presentation Material
November 15th, 2018 J Trust Co., Ltd.
Copyright(C)2018 JTRUST Co.,Ltd. All Rights Reserved. Table of Contents
1. Key Points from Results
2. Q2 FY03/2019 Results
3. Results by Segment
4. Consolidated Earnings Forecast for FY03/2019
5. Acknowledgement of Current Situation
1 Disclaimer
• J Trust has adopted the International Finance Report Standard (IFRS) since FY03/2018.
• From the Q2 FY03/2019 results, J Trust has classified the results of Highlights Entertainment, which the company decided to sell, as discontinued business.
• Information regarding forecasts listed this document is estimated based on the knowledge, opinions, and judgement of the company at the time of the document`s creation, therefore actual results may differ. Please understand that actual performance and results are subject to change greatly depending upon various factors.
• This document is meant to provide information about J Trust and is not intended to solicit investments in securities issued by the company or its subsidiaries.
• The figures listed on each page have been rounded down to the nearest unit. In addition, figures shown in chart and graphs such as YOY differences are displayed in units of 100 million.
• This English-translated document was prepared solely for the convenience of English speaking investors. If any discrepancies exist, the original Japanese version always prevails. J Trust shall not be liable for any damages or losses arising from this translation.
2 １．Key Points from Results
Deputy General Manager, PR & IR Division Corporate Planning Department Hidehiko Hombu
3 ➢ Key Points from Results
Consolidated Operating Revenue
Consolidated Operating Profit
Consolidated Profit before taxes
4 ２．Q2 FY03/2019 Results
5 ➢ Operating revenue increased, but profits declined YOY.
Consolidated Results（YOY Comparison)
Q2 FY03/2018 Q2 FY03/2019 Difference
Operating Revenue ※ 34.6 billion JPY 36.5 billion JPY +1.9 billion JPY
Operating Profit ※ 4.6 billion JPY 0.0 billion JPY -4.6 billion JPY
Profit before taxes ※ 4.0 billion JPY 1.1 billion JPY -2.9 billion JPY
Profit attributable to 2.2 billion JPY -2.1 billion JPY -4.3 billion JPY owners of parent
※ Amounts of operating revenue, operating profit, and profit before taxes do not include discontinued business. 6 ➢ Revenue increase contributed by Financial Business in Korea
Operating Revenue by Segment (YOY)
Q2 FY03/2018 Q2 FY03/2019 Difference
Financial Business in Japan 4.9 billion JPY 4.8 billion JPY -0.1 billion JPY
Financial Business in South Korea 17.4 billion JPY 20.2 billion JPY +2.8 billion JPY and Mongolia
Financial Business in Southeast 7.2 billion JPY 6.2 billion JPY -1.0 billion JPY Asia
Investment business 1.1 billion JPY 0.5 billion JPY -0.6 billion JPY
Non-Financial Business 2.7 billion JPY 3.1 billion JPY +0.4 billion JPY
Other business 1.0 billion JPY 1.5 billion JPY +0.5 billion JPY
Consolidated Operating Revenue 34.6 billion JPY 36.5 billion JPY +1.9 billion JPY
Amounts shown do not include discontinued business. 7 ➢ Negative earnings for Financial Business in Southeast Asia
Operating Profit by Segment (YOY)
Q2 FY03/2018 Q2 FY03/2019 Difference
Financial Business in Japan 2.4 billion JPY 2.1 billion JPY -0.3 billion JPY
Financial Business in South Korea 2.4 billion JPY 2.4 billion JPY ±0.0 billion JPY and Mongolia Financial Business in Southeast -0.2 billion JPY -2.4 billion JPY -2.2 billion JPY Asia
Investment business 1.0 billion JPY -0.2 billion JPY -1.2 billion JPY
Non-Financial Business 0.1 billion JPY 0.0 billion JPY -0.1 billion JPY
Other Business 0.0 billion JPY 0.0 billion JPY ±0.0 billion JPY
（Adjustments, etc.） -1.1 billion JPY -1.9 billion JPY -0.8 billion JPY
Consolidated Operating Profit 4.6 billion JPY 0.0 billion JPY -4.6 billion JPY
Amounts shown do not include discontinued business. 8 ３．Results by Segment ３－１．Financial Business in Japan
9 ➢ A high and stable level of profit was maintained.
Unit: 100 million JPY
Operating Revenue Operating Profit
49 48
24 21
Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019
10 ➢ The amount of credit guarantees surpassed 170 billion JPY. J Trust will continue to accelerate the diversification of guarantees.
Unit：100 million JPY Amount of Credit Guarantees
Light color＝Condominium loan guarantees 1,733 Dark color＝Other guarantees
1,270
570
186
463 384
2016/ 2017/ 2018/ 6 9 12 3 6 9 12 3 6 9
11 ➢ Purchasing of receivables continued to be successful.
Unit: 100 million JPY Amount of Receivables in Servicer Business
Total: Over 900 billion JPY
Approx. Off-balance receivables Approx. Approx. （receivables which Approx. 1,400 Approx. 1,400 1,400 can be claimed) 1,300 taken over from the Approx. Approx. 1,100 Takefuji Corporation 1,100 1,100 by Nihon Hoshou
Amount of receivables 7,833 7,592 7,664 7,723 7,738 handled by Partir 7,306 7,290 Servicer
2017/ 2018/ 03 06 09 12 03 06 09
Amount of receivables includes both purchased and claimed receivables. Amount of receivables includes some on-balance assets. 12 ➢ Progress of Full-Year Plan for Financial Business in Japan
Unit: 100 million JPY Operating Revenue Operating Profit
Full-Year Plan: 99 Full-Year Plan: 45 Actual: 48 Actual: 21
Progress Progress 48％ 47％
48 21
Q2 FY03/2019 Q2 FY03/2019
13 ３．Results by Segment ３－２．Financial Business in South Korea and Mongolia
14 ➢ Operating Revenue increased 16% from YOY, while Operating Profit already achieved the annual target.
Unit: 100 million JPY
Operating Revenue Operating Profit
202
174 24 24
Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019
15 ➢ Loan balances increased as the delinquency rate remained at a low level.
Loan balance and delinquency rate at JT Savings Bank, JT Chinae Savings Bank and JT Capital (K-GAAP standards)
Unit：100 million KRW 40,000 Bar graph, dark color ＝ Loans screened by JT Savings Bank and JT Capital 10.0% Bar graph, light color ＝ Purchased receivables 36,298 Line graph (Right axis) ＝ Delinquency rate 9.0% 35,000
8.0% 30,000 6.8% 7.0%
25,000 6.0%
20,000 5.0%
15,019 4.0% 15,000 4.0% 3.0% 10,000 2.0%
5,000 1.0%
0 0.0% 2015/ 2016/ 2017/ 2018/ 03 06 09 12 03 06 09 12 03 06 09 12 03 06 09
Reference rate：1 KRW＝0.1023JPY（On September 31st when results were calculated) ＝ Delinquency rate Percentage of loans which have been delinquent for more than 90 days 16 *As of November 28th, 2018, the delinquent loans shown here have been changed from those over 30 days or those delinquent for 90 days or more. ➢ Intensified loans and business loans for high-quality companies and mortgages Unit: 100 million KRW Loan Portfolio （K-GAAP standards）
Secured business loans 36,298 Unsecured business loans Secured consumer loans 9,585 Unsecured consumer loans 9,123 1,710
1,223 17,175 11,308
8,439
13,694 11,634
2015/ 2016/ 2017/ 2018/ 06 09 12 03 06 09 12 03 06 09 12 03 06 09
※ Combined total of JT Chinae Savings Bank, JT Savings Bank, and JT Capital Reference rate：1 KRW＝ 0.1023 JPY（Rate from September 31st when results were calculated) 17 ➢ Collections of purchased receivables progressed steadily 単位：億円
Unit: 100 million KRW
Claimable Receivables in TA Asset Management
2,581 2,504 2,415
1,900 1,906 1,824 1,834
2017/ 2018/ 03 06 09 12 03 06 09
Reference rate：1 KRW＝ 0.1023 JPY（Rate from September 31st when results were calculated) 18 ➢ Progress of Full-Year Plan for Financial Business in South Korea and Mongolia
Unit: 100 million yen Operating Revenue Operating Profit
Full-Year Plan 379 Full-Year Plan 24 Actual 202 Actual 24
Progress Progress 53％ 100％
24
202
Q2 FY03/2019 Q2 FY03/2019
19 ３．Results by Segment ３－３．Financial Business in Southeast Asia
20 ➢ Operating Revenue and Operating Profit decreased YOY
Unit: 100 million JPY Operating Revenue Operating Profit
72
62 -2
-24
Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019
21 ➢ A slight decrease in loan balances in recent quarters
Loan balance and NPL ratio at J Trust Bank Indonesia (using regional standards)
Unit: 100 million IDR Dark colored bar graph ＝ Loans screened by J Trust Bank Indonesia Light colored bar graph ＝ Assigned receivables Blue line graph ＝ NPL ratio (gross) 140,000 Orange line graph ＝ NPL ratio (net) 20.0%
120,027 18.0% 120,000 16.0% 14.0% 100,000 14.0% 82,922 59,127 12.0% 80,000 10.0% 60,000 7.5% 60,900 8.0%
40,000 6.0%
5.3% 4.0% 20,000 3.0% 2.0% 0 0.0% 2015/ 2016/ 2017/ 2018/ 06 09 12 03 06 09 12 03 06 09 12 03 06 09
Reference rate：1 IDR＝0.0078 JPY (Rate from September 31st when results were calculated) NPL ratio＝Percentage of total loans which have been delinquent for more than 30 days 22 ➢ Collection of Non-Performing Loans is an urgent issue.
Loan balance and NPL ratio at J Trust Bank Indonesia (IFRS standards)
Unit: 100 million yen Bar graph ＝ Loan balance Orange line graph ＝ Gross NPL ratio (Regional standard) Blue line graph ＝ Gross NPL ratio (IFRS) 100,000 10.0% 89,630 90,436 90,000 9.0%
80,000 8.6% 8.0%
70,000 6.5% 7.0%
60,000 5.7% 5.3% 6.0% 4.7% 4.9% 50,000 5.0% 4.2% 40,000 3.4% 4.4% 4.0% 2.9% 30,000 3.4% 3.5% 3.0%
20,000 2.6% 2.0% 2.1% 10,000 1.0%
0 0.0% 2017/ 2018/ 03 06 09 12 03 06 09
NPL ratio＝Percentage of total loans which have been delinquent for 30 days or more 23 ➢ Challenges, Problems and Solutions for J Trust Bank Indonesia
○Improve quality of loans ○Accumulate sound assets ○Improve low spread
Solutions Collection of Launch a task force and work harder on collections Work harder on collections together with collections advisor who was hired in the first half of NPLS the fiscal year Reduction of Recheck all loans (Meet with customers again and conduct another analysis) NPLS Focus on reevaluation of screening process Improvements on loan portfolios Loan assets ・ Quickly accumulate secured loans (such as automobile loans) through joint financing with the J Trust Group’s new company JT Olympindo ・ Increasing sound assets that will not become delinquent even with low spread Quickly implement net banking, which is currently waiting for approval by financial authorities, Improving and reduce costs. spread It is expected that if accumulation of receivables can be achieved through JT Olympindo, then loan interest rates will also improve. Others Retrain and reduce personnel/ Close inefficient branch locations/ Reevaluate advertising expenses
24 ➢ Progress of Full-Year Plan for Financial Business in Southeast Asia
Unit: 100 million JPY Operating Revenue Operating Profit Full-Year Plan 192 Full-Year Plan 26 Actual Result 62 Actual Result -24
Progress Progress 32％ - ％
-24
62
Q2 FY03/2019 Q2 FY03/2019
25 ３．Results by Segment ３－４．Investment Business
26 ➢ Progress of Full-Year Plan for Investment Business
Unit: 100 million JPY Operating Revenue Operating Profit
Full-Year Plan 12 Full-Year Plan 5 Actual Result 5 Actual Result -2
Progress Progress 42％ -％
5 -2
Q2 FY03/2019 Q2 FY03/2019
27 ３．Results by Segment ３－５．Non-Financial Business
28 ➢ In October, J Trust sold its shares of Highlights Entertainment in order to further refine its business.
Non-Financial Business Q2 FY03/2018 Q2 FY03/2019 Difference
Operating Revenue 2.7 billion JPY 3.1 billion JPY +0.4 billion JPY
Operating Profit 0.1 billion JPY 0.04 billion JPY -0.06 billion JPY
Main Factors Keynote KeyHolder （Real estate/Other） （General entertainment） Operating Revenue 3.9 billion JPY 0.5 billion JPY
Operating/SGA/Other expenses 3.8 billion JPY 0.5 billion JPY
Operating Profit 0.1 billion JPY 0 billion JPY
Non-Financial Business＝Real Estate Business and General Entertainment Business Amounts shown do not include Non-Financial Business. 29 ➢ Progress of Full-Year Plan for Non-Financial Business
Operating Revenue Operating Profit Unit: 100 million JPY
Full-Year Plan 133 Full-Year Plan 4 Actual Result 31 Actual Result 0
Progress Progress 23％ 0％
0 Q2 FY03/2019 31
Q2 FY03/2019
30 ４．Consolidated Earnings Forecast for FY 03/2019
31 ➢ Preconditions for Consolidated Earning Forecast
• J Trust has been adopting IFRS 9 since FY03/2019.
• The exchange rates used are the average rates from the market entry date to the end of March.
１SGD：82.82 JPY １ IDR：0.0086 JPY １ KRW：0.092 JPY
• The forecast does not reflect the financial impact of JT Olympindo, which joined the J Trust Group in October 2018.
• The forecast does not reflect any financial impacts in investment business other than the gains and losses which typically occur.
32 ➢ Consolidated Earning Forecast and Progress
Consolidated Earnings Forecast and Progress
FY03/2019 Total Earnings in Progress Earnings Forecast Q2 FY03/2019
Operating Revenue 83.3 billion JPY 36.5 billion JPY 44%
Operating Profit 7.0 billion JPY 0.0 billion JPY 0%
Profit attributable to owners of 5.3 billion JPY -2.1 billion JPY - parent
ROE 3.5% - -
33 ➢ Earnings Forecast by Segment
Operating Revenue and Operating Profit by Segment
FY03/2019 Total Earnings for Q2 Progress forecast FY03/2019
Operating Revenue 9.9 billion JPY 4.8 billion JPY 48% Financial Business in Japan Operating Profit 4.5 billion JPY 2.1 billion JPY 47%
Operating Revenue 37.9 billion JPY 20.2 billion JPY 53% Financial Business in South Korea and Mongolia Operating Profit 2.4 billion JPY 2.4 billion JPY 100%
Operating Revenue 19.2 billion JPY 6.2 billion JPY 32% Financial Business in Southeast Asia Operating Profit 2.6 billion JPY -2.4 billion JPY -
Operating Revenue 1.2 billion JPY 0.5 billion JPY 42% Investment Business Operating Profit 0.5 billion JPY -0.2 billion JPY -
Operating Revenue 13.3 billion JPY 3.1 billion JPY 23% Non-Financial Business Operating Profit 0.4 billion JPY 0.0 billion JPY 0%
Operating Revenue 1.8 billion JPY 1.7 billion JPY - Other/Consolidated Adjustments, etc. Operating Profit -3.4 billion JPY -1.9 billion JPY -
Operating Revenue 83.3 billion JPYY 36.5 billion JPY 44% Total Operating Profit 7.0 billion JPY 0.0 billion JPY 0%
34 ５．Acknowledgement of Current Situation
President & CEO Nobuyoshi Fujisawa
35 ➢ Acknowledgement of Current Situation
36 ➢ Overall Performance
Operating Profit by Segment (Compared to Full-Year Plan)
Full-Year Plan Q2 FY03/2019 Progress Rate
Financial Business in 4.5 billion JPY 2.1 billion JPY 47％ Japan Financial Business in 2.4 billion JPY 2.4 billion JPY 100％ South Korea and Mongolia Financial Business in 2.6 billion JPY -2.4 billion JPY - Southeast Asia
Investment Business 0.5 billion JPY -0.2 billion JPY -
Non-Financial Business 0.4 billion JPY 0.0 billion JPY 0％ Other/Consolidated -3.4 billion JPY -0.8 billion JPY - Adjustments, etc. Consolidated Operating 7.0 billion JPY 0.0 billion JPY 0％ Profit
Amounts shown do not include discontinued business. 37 ➢ Financial Business in Japan
✓ Diversification of guarantees and ✓ Strengthening purchase and increase of clients collection of receivables
○ Guarantees on overseas mortgage loans ○ Purchasing NPLs from independent credit card companies ○ Guarantees on reverse mortgage loans ○ Devising a collection method that will improve efficiency
Financial Business Q1-2 Q1-4 Q1-2 FY03/2019 in Japan FY03/2018 FY03/2018 FY03/2019 Forecast
Operating Revenue 4.9 billion JPY 9.0 billion JPY 4.8 billion JPY 9.9 billion JPY
Operating Profit 2.4 billion JPY 4.1 billion JPY 2.1 billion JPY 4.5 billion JPY
38 ➢ Financial Business in South Korea and Mongolia
✓ Stable growth that will absorb the ✓ Using the Group’s expertise to impact of regulations yield profit
✓ A three-pronged system that is not ✓ Focusing on used automobile influenced by economic conditions loans
Financial Business Q1-2 Q1-4 Q1-2 FY03/2019 in South Korea FY03/2018 FY03/2018 FY03/2019 (Forecast) and Mongolia Operating 17.4 billion 35.8 billion 20.2 billion 37.9 billion Revenue JPY JPY JPY JPY 2.4 billion 3.5 billion 2.4 billion 2.4 billion Operating Profit JPY JPY JPY JPY
39 ➢ Financial Business in Southeast Asia
✓ Increasing assets utilizing PT J TRUST OLYMPINDO MULTIFINANCE
✓ Reevaluating and enhancing system for managing and collecting receivables
✓ Promoting purchase and collection of NPLs at J Trust Investments Indonesia
Financial Q1-2 Q1-4 Q1-2 FY03/2019 Business in FY03/2018 FY03/2018 FY03/2019 (Forecast) Southeast Asia Operating 7.2 billion 13.5 billion 6.2 billion 19.2 billion Revenue JPY JPY JPY JPY Operating -0.2 billion 1.5 billion -2.4 billion 2.6 billion Profit JPY JPY JPY JPY
40 ➢ Other
✓ Sale of Highlights Entertainment
✓ Progress at ANZ Royal Bank in Cambodia
✓ Transfer to the First Section of the Tokyo Stock Exchange
✓ Commitment to further M&A
41 ＡＰＰＥＮＤＩＸ
42 ➢ Financial Business in Japan: The Domestic Condominium Loan Market and Amount of Guarantees at J Trust
Left axis：Total amount of condominium loans at domestic banks (Bar graph) Right axis： Amount of condominium loans at Nihon Hoshou (Bar graph) Front：Total percent of money used at domestic banks（Line graph）
Unit: 100 million JPY Unit: 100 million JPY 235,000 26.42% 232,680 232,764 23.79% 1,400 229,643 229,794 1,270 230,000 17.83% 228,371 1,165 227,234 1,200 1,014 224,423 1,000 225,000 886 222,870 -0.59% 712 800
220,000 219,150 588 600 472 373 -14.13% 400 215,000 264 -16.11% 186 -21.11% 200 -22.32% -22.48%
210,000 0 2016/6 2016/9 2016/12 2017/3 2017/6 2017/9 2017/12 2018/3 2018/6 2018/9
Source：Compiled by J Trust from Bank of Japan statistics 43 ➢ Aspects of Condominium Properties and Occupancy Rate Data
Distribution Map by Region Distribution in Kanto Region
Saitama Pref. Hokkaido 272 10.72% 1 0.04% Tokyo Chiba Pref. 419 16.51% 233 9.18%
Kanagawa Pref. 159 6.26%
Chugoku Tohoku Distance in Minutes 3 0.12% 65 2.56% from Nearest Station (Walking）
Over 15 3.43% Under 15 Kyushu Kinki Kanto 11.88% 199 7.84% 763 30.06% 1,083 42.67% Under 5 23.39% Under 12 Shikoku Chubu 6.58% 1 0.04% 423 16.67% Under 11 Under 10 8.77% 45.96%
※ As of September 30th, 2018 44 ➢ Data from Savings Banks in South Korea
Main Indices of Korean Savings Banks (K-GAAP standards)
Average interest rate of loans Net interest income and deposits Unit: 100 million KRW
Average平均貸出金利 loan interest rate 555 Average平均預金金利 deposit interest rate
14.65% 404 12.03%
2.36% 2.54%
16/ 17/ 18/ 18/ 16/ 17/ 18/ 09 12 03 06 09 12 03 06 09 4~6 7~9 10~12 1~3 4~6 7~9 10~12 1~3 4~6 7~9
Reference rate：1 KRW ＝ 0.1023 JPY 45 ➢ Data from J Trust Bank Indonesia
Main Indices of J Trust Bank
Average interest rates of Net interest income loans and deposits Unit: 100 million IDR
Average平均貸出金利 loan interest rate 1,400 Average平均預金金利 deposit interest rate 1,200 1,131 12.30% 10.93% 1,000 940
800 7.51% 6.40% 600
400
200
16/ 17/ 18/ 0 2016/ 2017/ 2018/ 09 12 03 06 09 12 03 06 09 7~9 10~12 1~3 4~6 7~9 10~12 1~3 4~6 7~9
Reference rate：1 IDR＝0.0078 JPY 46 ➢ Loan Balance and NPL Ratio of All Three Korean Companies
Loan balance and NPL ratio (IFRS standards)
Unit: 100 million JPY ＝ JT Capital 4,000 20.0% ＝ JT Savings Bank ＝ JT Chinae Savings Bank 3,561 18.0% 3,500 ＝ Total NPL ratio of all 3 companies 597 16.0% 2,884 3,000 14.0% 462 2,500 1,011 12.0%
682 2,000 10.0%
8.0% 1,500 5.4% 5.0% 6.0% 1,000 4.0% 1,953 500 1,740 2.0%
0 0.0% 2017/ 2018/ 03 06 09 12 03 06 09
NPL ratio＝Percentage of total loans which have been delinquent for 30 days or more 47 ➢ Savings Banks in Korea by Asset Size (As of December 31st, 2017)
※ J Trust Group Korea data taken from January to September 2018 （ROA：％） Top savings banks with over 1 trillion KRW and the position of the J Trust Group (in Korea) 3.0
Korea Investment Savings Bank
2.5 Moa Mutual Savings Bank OK Savings Bank
2.0
OSB Savings Bank Eugene Savings Bank
1.5 PEPPER Savings Bank
WELCOME SAVINGS BANK SBI Savings Bank 1.0 JT rust Group Korea Acuon Savings Bank （JT Chinae Savings Bank and JT Savings Bank） January – September 2018 0.5 JTrust Group Korea （JT Chinae Savings Bank and JT Savings Bank） January – December 2017 （Profit: Units of 1 billion KRW) 0.0 -10 10 30 50 70 90 110
Source：Compiled by J Trust using data from Financial Supervisory Service for reference. 48 ➢ Profit/ROA/Size of Assets at Top Korean Savings Banks （As of December 31st, 2017)
Total Assets No. Company name Net profit ROA (Unit: 1 million KRW) 1 SBI Savings Bank 88,900 1.61 5,531,569
2 OK Savings Bank 77,968 2.12 3,683,213 3 Jtrust Group Korea 12,162 0.42 2,923,447 JT Chinae Savings Bank 7,100 0.34 2,061,511 JT Savings Bank 5,062 0.59 861,936 4 Korea Investment Savings Bank 50,805 2.15 2,365,777
5 Acuon Savings Bank 25,138 1.12 2,238,799
6 OSB Savings Bank 24,851 1.28 1,942,883
7 Eugene Savings Bank 38,020 1.97 1,927,828
8 WELCOME SAVINGS BANK 35,050 1.83 1,916,508
9 Moa Mutual Savings Bank 33,252 2.07 1,606,309
10 PEPPER SAVINGS BANK 15,890 1.11 1,434,253
11 Daishin Savings Bank 15,220 1.15 1,328,412
12 Dongbu Mutual Savings Bank 9,412 0.84 1,123,484
Source：Financial Supervisory Services 49 ➢ Size of Assets at Indonesian Commercial Banks (As of December 31st, 2017)
※ Data for J Trust Bank is from January ~ September 2018 Size of Assets at Top Multi-financing Companies （ROA：％） and Position of Olympindo 5.0% Bank Central Asia Bank Danamon Indonesia Bank Rakyat 4.0% Bank Negara Indonesia Bank Tabungan Negara Indonesia
3.0%
2.0% Bank JTrust Bank Mandiri Bank CIMB Niaga 1.0% FY2017 Bank Panin Bank Maybank Indonesia 0.0% Bank Permata
-1.0% Bank JTrust -20.0% （Profit：Units of 1 billion IDR) FY2018 -2.0% -10,000 -5,000 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000
Source：Compiled by J Trust using data from OJK (Indonesia’s Financial Service Authority) 50 ➢ Profit/ROA/Size of Assets at Top Indonesian Commercial Banks (As of December 31st, 2017)
Total Assets No. Company name Net profit ROA Unit： 1 billion IDR 1 PT BANK RAKYAT INDONESIA, Tbk 28,469 2.64% 1,076,438
2 PT BANK MANDIRI, Tbk 20,010 2.05% 978,328
3 PT BANK CENTRAL ASIA, Tbk 22,206 3.02% 734,784
4 PT BANK NEGARA INDONESIA, Tbk 13,045 1.97% 661,658
5 PT BANK CIMB NIAGA, Tbk 2,977 1.12% 266,305
6 PT BANK TABUNGAN NEGARA, Tbk 3,022 1.97% 261,510
7 PT Bank Pan Indonesia Tbk（Panin Bank） 2,412 1.13% 213,541
8 PT BANK MAYBANK INDONESIA, Tbk 1,473 0.92% 160,552
9 PT BANK DANAMON INDONESIA, Tbk 3,681 2.40% 153,489
10 PT BANK PERMATA, Tbk 817 0.55% 148,091
54 PT BANK JTRUST INDONESIA, Tbk 129 0.75% 17,206
Source: Data from OKJ (Indonesia’s Financial Supervisory Authority) 51 ➢ Size of Assets at Indonesian Multi-financing Companies (As of December 31st, 2017)
（ROA：％） Size of Assets at Top Multi-financing Companies and Position of Olympindo 12.0% BCA Finance 14.0% 10.0% Central Java Power
DIPO Star Finance 8.0% BFI Finance Indonesia
Mandiri Tunas Finance 6.0% Federal International Finance Summit OTO 4.0% Finance Adira Dinamika Multi Finance Olympindo Multi 2.0% Astra Sedaya Finance Finance OTO Multiartha Toyota Astra Financial Services 0.0% Indomobil Finance Indonesia Olympindo FY03/2017 Olympindo FY03/2016 （Profit: Units of 1 billion IDR） -2.0% -500 0 500 1,000 1,500 2,000 2,500 3,000
Source：Compiled by J Trust using data from Biro Riset Infobank Olympindo data listed following audit adjustment in March. 52 ➢ Profit/ROA/Size of Assets at Top Multi-financing Companies （As of December 31st, 2017)
Total Assets No. Company name Net profit ROA Unit: 1 billion IDR 1 Astra Sedaya Finance 934 2.97% 31,478 2 Federal International Finance 1,806 6.14% 29,411 3 Central Java Power 2,239 7.75% 28,908 4 Adira Dinamika Multi Finance 1,009 3.65% 27,643 5 OTO Multiartha 452 1.97% 22,957 6 Toyota Astra Financial Services 351 1.58% 22,201 7 DIPO Star Finance 458 3.61% 12,679 8 BFI Finance Indonesia 798 6.40% 12,476 9 Mandiri Tunas Finance 335 2.94% 11,404 10 Summit OTO Finance 281 2.68% 10,495 11 Indomobil Finance Indonesia 90 0.96% 9,415 12 BCA Finance 1,139 13.97% 8,152
44 Olympindo Multi Finance 17 0.98% 1,727
Source：Data from Biro Riset Infobank 53 ➢ Size of Assets at Commercial Banks in Cambodia (As of December 31st, 2017)
（ROA：％）
Size of Assets at Top Commercial Banks in Cambodia and Position of ANZ 3.5% ROYAL BANK
3.0% First Commercial Advanced Bank ANZ Royal Canadia Bank 2.5% Cambodian Public Phnom Penh CB Bank 2.0% ICBC
1.5% Sathapana Bank Bank of China 1.0% Acleda Bank
0.5% （Profit in Q2 FY03/2019 ：Units of 1 billion KHR）
0.0% -50 0 50 100 150 200 250 300 350 400 450
Source：Data from National Bank of Cambodia 54 ➢ Profit/ROA/Size of Assets at Top Commercial Banks in Cambodia (As of December 31st, 2017)
Total Assets No. Company name Net profit ROA Unit: 1 billion KHR
1 Acleda Bank Plc. 345 1.65% 20,903
2 Canadia Bank Plc. 331 1.83% 18,060
3 Cambodian Public Bank Plc. 188 2.20% 8,574
4 Advanced Bank of Asia Ltd. 186 2.80% 6,671
5 ANZ Royal Bank (Cambodia) Ltd. 98 2.36% 4,175
6 ICBC Limited P.P. Branch 81 2.00% 4,092
7 First Commercial Bank, P.P. Branch 80 2.88% 2,782
8 Sathapana Bank Plc. 74 1.77% 4,185
9 Bank of China (Hong Kong) Limited P.P. Branch 62 1.29% 4,900
10 Phnom Penh Commercial Bank 45 1.75% 2,569
Source：Data from National Bank of Cambodia 55