Asumsi Proyeksi Keuangan AR BJB 2013 ARA FINAL TERAKHIR

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 63 Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements Dengan meningkatnya ekspansi penyaluran kredit di tahun 2013, maka target NPL Gross diperkirakan sebesar 2,50 dan NPL netto sebesar 0,60.

4. Asumsi Proyeksi Keuangan

A. Aset

Asset •฀ Pertumbuhan฀Asset Growth Assets 25 •฀ Market Share 1,6 B. Dana Pihak Ketiga Third Party Funds •฀ Pertumbuhan฀DPK Growth DPK 23 •฀ Market Share 1,6 •฀ Komposisi฀Berdasarkan฀Segmentasi Composition by Segments -฀ DPK฀Korporasi Corporate DPK 69 -฀ DPK฀Ritel Retail DPK 31 •฀ Komposisi฀Berdasarkan฀Produk Composition by Products Giro Current Accounts 20 -฀ Tabungan Saving Accounts 17 -฀ Deposito Deposits 63

C. Kredit Yang Diberikan

Loans •฀฀ Pertumbuhan฀Kredit Growth Loans 36 •฀฀ Market Share 1,5 •฀ Komposisi฀Berdasarkan฀Segmentasi Composition by Segments ฀ Kredit฀Konsumer Consumer Loans 54 ฀ Kredit฀KPR Mortgage฀Loans 6 ฀ Kredit฀Mikro Micro฀Loans 18 ฀ Kredit฀Komersial Commercial Loans 22 •฀฀ Komposisi฀Berdasarkan฀Jenis฀Penggunaan Composition by Usage ฀ Kredit฀Konsumsi Consumer Credit 60 ฀ Kredit฀Produktif Earning Credit 40 •฀฀ NPL ฀฀ NPL฀Gross 2,50 ฀฀ NPL฀Netto 0,60 D. Permodalan Capital •฀฀ CAR 16,40

E. Rentabilitas

Profitability •฀฀ ROE 24,30 •฀฀ ROA 2,18 •฀฀ NIM 6,5 •฀฀ BOPO 82,3

F. Likuiditas

Liquidity •฀฀ LDR 78,86 Notes: •฀ asset฀ market฀ share฀ is฀ calculated฀ from฀ projected฀ bjb bank assets in 2013 divided by the projected national banking assets in 2013. •฀ deposits฀market฀share฀is฀calculated฀deposits฀from฀banks฀projections฀ bjb in 2013 divided projection third party funds of national banks in 2013. •฀ credit฀market฀share฀is฀calculated฀on฀the฀projected฀bank฀credit฀bjb of 2013 divided the projected national bank loans in 2013. Catatan: •฀ market share aset dihitung dari proyeksi asset bank bjb tahun 2013 dibagi proyeksi aset perbankan nasional tahun 2013. •฀ market share dana pihak ketiga dihitung dari proyeksi dana pihak ketiga bank bjb tahun 2013 dibagi proyeksi dana pihak ketiga perbankan nasional tahun 2013. •฀ market share kredit dihitung dari proyeksi kredit bank bjb tahun 2013 dibagi proyeksi Kredit perbankan nasional tahun 2013. With the increasing expansion of lending in 2013, the target of Gross NPL was estimated to be 2.50 and net NPL was estimated to be 0.60.

4. Assumption on Financial Projection