Collection of Third-Party Funds Credit Distribution

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 62 PLAN AND STRATEGY REVIEW TINJAUAN RENCANA DAN STRATEGI Proyeksi Rencana Bisnis 2013 Dengan dukungan program yang direncanakan secara terintegrasi dan komprehensif, Perseroan mengharapkan sejumlah hal di bawah ini bisa tercapai:

1. Aset Posisi aset bank bjb di tahun 2011 sebesar Rp52,3 triliun dan

besaran market share mencapai 1,4. Sedangkan rata-rata pertumbuhan aset dari tahun 2007-2011sebesar 22,6. Pertumbuhan tersebut lebih tinggi dibandingkan dengan rata- rata pertumbuhan perbankan nasional yang sebesar 16,4. Memperhatikan฀visi฀untuk฀mejadi฀10฀bank฀terbesar฀dan฀berkinerja฀ baik di Indonesia, maka target pertumbuhan aset tahun 2013 diarahkan untuk meningkatkan market share, dengan besaran target mencapai 1,6. Hal itu dilakukan melalui pertumbuhan aset sebesar 25.

2. Penghimpunan Dana Pihak Ketiga Dana pihak ketiga bank bjb pada tahun 2011 sebesar Rp

37 triliun dengan market share sebesar 1,3. Rata-rata pertumbuhan DPK bank bjb selama lima tahun, yaitu 2007- 2011, sebesar 22,4. Ini lebih tinggi dari rata-rata pertumbuhan DPK perbankan nasional yang 16,5. DPK tahun 2012 sebesar Rp 49,9 triliun, tumbuh 35,02 dari tahun sebelumnya, dengan besaran market share 1,5. Target DPK ditetapkan dengan rasio LDR yang harus dijaga di kisaran 78,86. Sehingga, pada tahun 2013, Perseroan harus meningkatkan DPK sebesar 23 dengan proyeksi market share 1,6. Adapun komposisi Dana Pihak Ketiga Tahun 2013 sebagai berikut: giro sebesar 20, tabungan 17, dan deposito 63.

3. Penyaluran Kredit Posisi kredit bank bjb pada tahun 2011 sebesar Rp 26,9 triliun

dengan besaran market share 1,2. Rata-rata pertumbuhan kredit periode 2007-2011 mencapai 19,9, di bawah rata- rata kredit perbankan nasional pada periode yang sama, yaitu 21,7. Sedangkan tahun 2012, kredit mencapai Rp 35,7 triliun atau tumbuh 32,2 dibanding posisi 2011 dengan besaran proyeksi market share 1,33. Penetapan target penyaluran kredit ditetapkan dengan rasio LDR yang harus dijaga di kisaran 78,86, sehingga pada 2013, Perseroan harus meningkatkan pertumbuhan kredit sebesar 36 dengan proyeksi market share 1,5. Adapun komposisi kredit tahun 2013 adalah sebagai berikut: konsumer sebesar 54, KPR 6, mikro 18, dan komersial 22. Business Plan Projection 2013 With the support of the programs planned integrated and comprehensively, bank bjb expected to achieve: 1. Asset The position of bank bjb’s assets in 2011 was Rp52.3 trillion and฀the฀amount฀of฀market฀share฀reached฀1.4.฀Meanwhile฀the฀ average asset growth from 2007-2011 was 22.6. The growth was higher than the average growth of national banks which was 16.4. Considering the vision to become one of the 10 largest banks in Indonesia with good performance, the target of asset growth in 2013 was directed to increase market share, with the amount of target reaching 1.6. This was conducted through asset growth of 25.

2. Collection of Third-Party Funds

bank bjb’s third-party fund in 2011 was Rp 37 trillion with market share of 1.3. The average growth of bank bjb’s third- party fund within five years namely 2007-2011 was 22.4. This was higher than the average growth of the third-party fund of national banks which was 16.5. In 2012, third-party fund was Rp 49.9 trillion, growing 35.02 from the previous year, with market share of 1.5. The target of TPF was determined using the LDR ratio which had to be maintained in the range of 78.86. Thus, in 2013, bank bjb should have increased TPF as much as 23 with the projection of market share of 1.6. The composition of TPF in the Year 2013 was as follows: 20 current accounts, 17 savings accounts, and 63 time deposits.

3. Credit Distribution

The position of credit of bank bjb in 2011 was Rp 26.9 trillion, with the number of market share of 1.2. Average credit growth in the period 2007-2011 reached 19.9, below the average credit growth of the national banks in the same period which was 21.7. ฀ Meanwhile฀ in฀ 2012฀ credit฀ wasreached฀ Rp฀ 35.7฀ trillion฀ or฀ an฀ increase of 32.2 compared to the position in 2011 with the number of projected market share of 1.33. Determination of credit target was conducted using the LDR ratio which had to be maintained in the range of 78.86, thus in 2013, bank bjb should have increased credit growth by 36 with projected market share of 1.5. The composition of credit in 2013 was: 54 consumer loan, 6 mortgage, 18 micro credit and 22 commercial credit. 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