BJBR AM 1Q2015 Bahasa

Lebih Besar, Lebih Kuat, Lebih Baik

bank bjb
Ringkasan Kinerja per 31 Maret 2015

Daftar Isi
Hal. 5

Ringkasan Kinerja

Hal. 10

Breakdown Kredit

Hal. 15

Breakdown Dana Pihak Ketiga

Hal. 16

Kualitas Aktiva Produktif


Hal. 19

Analisis Imbal Hasil

Hal. 21

Kecukupan Modal

Hal. 22

Kinerja Kredit Konsumer (Detail)

Hal. 29

Kinerja Anak Perusahaan (bank bjb Syariah)

Hal. 35

Profil Perusahaan


2

Ekonomi Makro
Indeks Kepercayaan Konsumen Menurun

BI Rate turun 25 bps menjadi 7.50%
GDP Growth

BI Rate

Consumer Confidence Index

10

140
120
Index (points)

6

4
2

CPI

Pelemahan Rupiah Terus Berlanjut

1M JIBOR

USDIDR

14
12

0

Source: Bloomberg

USD IDR


(%)

10

2

40

Source: Bloomberg

Tingkat Inflasi berada di Batas Atas

4

60

0

Source: Bloomberg


6

80

20

0

8

100

13000
12000
11000
10000
9000
8000
7000
6000


10Yr Govt Bond
25
20
15
10
5
0

Source: Bloomberg

3

Yield (%)

(%)

8

Sektor Perbankan

YoY Growth (%)

40.0

Loans Growth

Deposit Growth

Per Jan‘15, kinerja sektor perbankan adalah sbb:

35.0

• Total Kredit +11.64%YoY menjadi Rp3,667 tr (Kredit

30.0

Investasi +13.76 % YoY, Kredit Modal Kerja +10.73%

25.0


YoY, Kredit Konsumer +10.98% YoY)

20.0
15.0

• Total Dana Pihak Ketga +14.23% YoY menjadi

10.0

Rp4.106 tr (CASA -3,84% YoY, Deposito Berjangka

5.0

+24.07% YoY, Rasio CASA 51.51%)

-

• NPL +0,37% YoY menjadi 2,31%
• ROA -0,08% YoY menjadi 2.87%
Source: Bank Indonesia


Investment Loans
60

YoY Growth (%)

50

WC Loans

Jan ’14

Jan ’15

YoY (%)

Total Kredit

3,285


3.667

+11.64

Total DPK

3,563

4.055

+14,23

LDR

90.47

88,48

-1,99


NPL

1.94

2.31

+0.37

ROA

2,90

2,82

-0,08

NIM

4.17

4.24

+0.07

Consumer Loans

40
30
20
10
-

Source: Bank Indonesia

4

Ringkasan Kinerja

Laporan
Laba Rugi

• Pendaptan Bunga Bersih Rp 1.2 T (+11.2% YoY/ +1.2% QoQ)
• Laba Operasional Sebelum CKPN Rp 559 M (+8.0% YoY/
+13.2% QoQ)
• Beban CKPN Rp 61 M (-40.9% YoY/ -60.2% QoQ)
• Laba Bersih Rp 388 M (+18.9% YoY/ -3.8% QoQ)

Neraca






Total Kredit Rp 49.9 T (+9.5% YoY/ +0.5% QoQ)
Total Pembiayaan Syariah Rp 4.6 T (+27.3% YoY/ 5.5% QoQ)
Total DPK Rp 71.4 T (+16.1% YoY/ +23.7% QoQ)
Total Aset Rp 87.6 T (+11.0% YoY/ +15.5% QoQ)

Rasio
Keuangan
(bank)






NIM 6.8% (0bps YoY/ -3bps QoQ)
ROA (Net) 2.0% (+13bps YoY/ +48bps QoQ)
ROE (Net) 21.4% (+203bps YoY/ +483bps QoQ)
NPL (Gross) 4.2% (+37bps YoY/ +3bps QoQ)

5

Target dan Pencapaian
(%)

Target

1Q14

2Q14

3Q14

4Q14

1Q15

Pertumbuhan
Kredit

14% - 15%

20.3

14.6

11.7

10.5

10.9

Pertumbuhan
Dana Pihak
Ketiga

16% - 17%

26.5

13.4

14.2

15.5

16.1

ROA (net)

1.7% - 1.9%

1.9

1.3

1.3

1.5

2.0

ROE (net)

16% - 19%

19.4

14.7

14.5

16.6

21.4

NIM

7% - 7.1%

6.8

6.4

6.7

6.8

6.8

Biaya Dana

5.4% - 5.8%

5.8

6.0

5.9

5.9

5.4

Rasio Cost to
Income

58% - 62%

55.4

59.8

59.4

61.8

59.3

NPL (Gross)

2.8% - 3%

3.8

4.0

4.1

4.2

4.2

Credit Cost

1.0% - 1.2%

1.4

1.4

1.6

1.5

1.4

Rasio CASA

55% - 6 0%

43.9

51.9

54.4

64.1

53.0

6

Rasio-Rasio Keuangan (bank)
Rasio Utama

1Q14

2Q14

3Q14

4Q14

1Q15

ROA (net)

1.9

1.3

1.3

1.5

2.0

ROE (net)

19.4

14.7

14.5

16.6

21.4

Rasio Cost to Income

55.4

59.8

59.4

61.8

59.3

BOPO

79.6

85.0

85.2

85.9

78.0

Imbal Hasil Asset

12.5

12.4

12.6

12.6

12.1

Biaya Dana

5.8

6.0

5.9

5.9

5.4

NIM

6.8

6.4

6.7

6.8

6.8

LDR

78.2

80.5

79.7

93.2

74.6

Rasio Kredit Dapersus

3.8

3.9

3.4

3.2

3.3

NPL (Gross)

3.8

4.0

4.1

4.2

4.2

NPL (Net)

1.3

1.1

1.0

1.0

1.1

Coverage Ratio

68.5

73.5

79.4

77.2

75.8

CKPN / Total Kredit

2.6

2.9

3.4

3.2

3.2

Credit Cost

1.4

1.4

1.6

1.5

1.4

16.2

15.8

16.2

16.1

15.6

Profitabilitas

Rasio Efisiensi

Imbal Hasil

Kualitas Aktiva

Permodalan
CAR

7

Laporan Laba Rugi
Laporan Laba Rugi
(Rp Miliar)

1Q14

1Q15

YoY
(%)

Pendapatan Bunga

2,125

2,265

6.6%

Beban Bunga

1,045

1,064

1.8%

Pendapatan Bunga Bersih

1,080

1,201

11.2%

Fee Based Income

65

88

35.4%

Beban Operasional

643

750

16.8%

Gain (Loss) on Financial Statement

15

20

34.4%

Laba Operasional Sebelum CKPN

517

559

8.0%

Beban CKPN

104

61

-40.9%

Pendaptan Non Operasional

1

(7)

-

Laba Sebelum Pajak

414

491

18.5%

Beban Pajak

(88)

(102)

16.9%

Laba Bersih

326

388

18.9%

8

Neraca
Neraca
(Rp Miliar)

1Q14

2Q14

3Q14

4Q14

1Q15

YoY
(%)

Kas atau Setara Kas

1,607

1,984

1,763

2,768

1,726

7.4%

Giro pada Bank
Indonesia

4,622

4,861

4,839

5,178

5,127

10.9%

Cadangan Sekunder

21,393

18,296

17,411

12,599

24,908

16.4%

Kredit (net)

44,329

46,554

47,602

48,028

48,280

8.9%

Pembiayaan Syariah
(net)

3,588

3,770

4,014

4,301

4,528

26.2%

Aktiva Tetap (net)

698

683

672

664

648

-7.1%

Aktiva Lainnya

2,662

2,433

2,430

2,299

2,342

-12.0%

Total Aktiva

78,899

78,581

78,731

75,837

87,559

11.0%

Total Dana Pihak Ketiga

61,522

62,435

64,587

57,741

71,417

16.1%

Surat Berharga Yang
Diterbitkan

2,121

2,121

1,722

1,722

1,722

-18.8%

Pinjaman Diterima

6,643

6,165

4,498

6,443

5,311

-20.0%

Lainnya

2,326

1,422

1,248

2,847

2,333

0.3%

Total Kewajiban

72,612

72,143

72,055

68,753

80,783

11.3%

Total Ekuitas

6,287

6,438

6,676

7,084

6,776

7.8%

9

Breakdown Kredit (bank)
Consumer

Micro

Commercial

Mortgage

60

50

4.3
3.5

3.9

6.8

2.3

(Rp tr)

6.5

7.0

5.8

30

5.5

5.5

7.0
5.4

4.4

7.2

6.8

4.8

4.5

6.1
5.2

5.1

1Q14

1Q15

YoY
(%)

Konsumer

29,892

34,681

16.0 %

Mikro

5,166

4,182

-19.1 %

Komersial

6,091

6,271

3.0 %

KPR

4,143

4,480

8.1 %

Total Kredit

45,293

49,614

9.5 %

Mata Uang
(Rp Miliar)

1Q14

1Q15

YoY
(%)

Rupiah

45,077

49,437

9.7%

Valas

216

177

-17.7%

4.5

4.1

2.9
40

4.3

Segmen
(Rp Miliar)

6.3
4.2

5.1

20

24.5
10

26.7

27.9

28.9

29.9

31.5

32.7

33.6

34.7

0

10

Kredit Konsumer
Civil Servant Loans (LHS)

Pensioner Loans (LHS)

NPL (RHS)

35

2.5

2.6

2.8

2.4
30

1Q15

YoY
(%)

Posisi Kredit

29,892

34,681

16.0 %

Ekspansi Netto
(Rp Miliar)

1,035

1,103

6.5%

1.7

2.0

Rata-Rata Per
Debitur
(Rp Miliar)

87

98

12.1 %

Jumlah Debitur

343,193

355,239

3.5 %

0.9
0.8

2.2
0.7

1.5
1.1

0.6
0.5

20

15
23.4

26.8 27.7
25.3 26.1

30.9 31.9
29.1 30.2

0.4

(%)

(Rp tr)

1Q14

1.0

40

25

Indikator Utama

Tingkat Suku
Bunga

15.00%-18.45% % eff. p.a

0.3

10
0.2
5

0

0.1

Kualitas Aktiva

1Q14

1Q15

YoY
(%)

Dalam Perhatian
Khusus

0.22

0.21

-0.01

NPL

0.11

0.09

-0.02

0.0

11

Kredit Mikro
KMU (LHS)

Govt Program (LHS)

KCR (LHS)

NPL (RHS)

6.0

0.7

5.0

0.7

0.7

0.6

0.6

Key Ratios

1Q14

1Q15

YoY
(%)

30.0

Posisi Kredit

5,166

4,182

-19.1 %

25.0

Ekspansi Netto
(Rp Miliar)

(187)

(324)

-72.9%

Rata-Rata per
Debitur
(Rp Miliar)

55

56

1.9 %

Jumlah Debitur

93,408

74,186

-20.6 %

0.7
0.8

1.2

1.3

1.2

0.9

1.3

20.0
0.9

1.3
1.2
1.2

3.0

15.0
1.1

3.2

-

Tingkat Suku
Bunga*

11.0% - 27.5% eff. p.a.

10.0

2.0

1.0

(%)

(Rp tr)

4.0

1.3

3.6

3.6

3.4

3.3

3.1

2.7

2.4

2.2

Kualitas Aktiva

1Q14

1Q15

YoY
(%)

Dalam Perhatian
Khusus

18.3

13.7

-4.6

NPL

16.4

25.5

+9.1

5.0

0.0

*Kredit Mikro Utama

12

Kredit Komersial
Working Capital (LHS)

Syndicated (LHS)

Investment (LHS)

NPL (RHS)

8.0

15.0

Key Ratios

1Q14

1Q15

YoY
(%)

Posisi Kredit

6,091

6,271

3.0 %

Ekspansi Netto
(Rp Miliar)

(897)

(578)

35.6%

Rata-Rata per
Debitur
(Rp Miliar)

923

1,269

37.5 %

Jumlah Debitur

6,600

4,942

-25.1 %

14.0
7.0

13.0
1.0

1.0

1.2

0.9
0.8

5.0

12.0

1.3

11.0
1.3

1.3

1.1

1.3

1.5

1.2

10.0

1.5

1.5

1.4

4.0

9.0

1.6
1.6

8.0
7.0
6.0

3.0

5.0
2.0

1.0

3.9

4.3

4.8

4.5

4.2
3.5

4.5

Tingkat Suku
Bunga

6.3% -14.5% eff. p.a

4.0

4.0
3.3

3.0
2.0
1.0

-

(%)

6.0

(Rp tr)

1.1

-

Kualitas Aktiva

1Q14

1Q15

YoY
(%)

Dalam Perhatian
Khusus

4.5

4.5

-

NPL

11.1

11.4

+0.3

13

Kredit Pemilikan Rumah
Mortgage Loans (LHS)

NPL (RHS)

Key Ratios

1Q14

1Q15

YoY
(%)

Posisi Kredit

4,143

4,480

8.1 %

Ekspansi Netto
(Rp Miliar)

232

36

-84.5%

Rata-Rata per
Debitur
(Rp Miliar)

271

254

-6.2 %

Jumlah Debtitur

15,271

17,609

15.3 %

15.0

5,000
4,444 4,480

4,500
4,143
3,911

4,000
3,506

4,282 4,280

14.0
13.0
12.0
11.0

3,500
10.0
2,916

(Rp bn)

3,000

9.0
8.0

2,500
2,000

2,287

7.0
6.0
5.0

1,500

Tingkat Suku
Bunga

7.3% - 13.7% eff. p.a.

4.0
1,000

3.0
2.0

Kualitas Aktiva

1Q14

1Q15

YoY
(%)

Dalam Perhatian
Khusus

10.5

15.4

+4.9

NPL

4.1

5.9

+1.8

500
1.0
-

-

14

Breakdown Dana Pihak Ketiga (bank)
Current Account

Savings Account

Time Deposit

70

Breakdown
Dana Pihak Ketiga
(Rp Miliar)

1Q14

1Q15

YoY
(%)

60

Giro

16,568

25,581

54.4 %

Tabungan

8,874

9,678

9.1 %

Deposito

32,489

31,277

-3.7 %

TOTAL

57,931

66,536

14.9 %

Rasio CASA (%)

43.9

53.0

+9.1

Mata Uang
(Rp Miliar)

1Q14

1Q15

YoY
(%)

Rupiah

57,172

66,310

16.0%

Valas

759

226

-70.2%

31.3

50
28.0
28.5

(Rp tr)

40

26.6

19.0

32.5

27.0
18.6

22.6
30

9.5

9.0
20

10

0

7.6
7.1

8.2

11.8

9.7
12.4

8.9

18.2 16.4 16.6
15.5 17.4

25.6
21.8 23.9 21.5

15

Kualitas Aktiva Produktif
Credit Provision (LHS)

Absolute NPL (LHS)

Coverage Ratio (RHS)
2,500

100

2,000

(Rp bn)

1,277
1,185
962

1,000

60
50

16.4

25.5

+9.1

65

Komersial

11.1

11.4

+0.3

63

KPR

4.1

5.9

+1.8

-

Total

3.8

4.2

+0.4

128

Net NPL

4.5

40

3.8

4.0

4.0

4.1

4.2

4.2

3.5
30
20

2.8

3.0
(%)

500

Mikro

Gross NPL

796786
621

-

70
1,574

1,081
1,017
896

-0.02

(%)

1,393

0.09

80

1,731

1,500

0.11

Konsumer

2,077

1,894

1,612 1,584

PH
2015
(Rp
Miliar)

1Q14

90
2,030 2,052

1Q15

YoY
(%)

NPL Gross
(%)
(Bank only)

2.5

2.1

2.3

2.5

2.0
1.3

1.5
10

1.0

0.7

0.6

0.6

1.1

1.0

1.0

1.1

0.6

0.5
-

0

0.0

16

Kredit Dalam Perhatian Khusus
Consumer (LHS)

Micro (LHS)

Mortgage (LHS)

% to Loans (RHS)

Consumer

Commercial (LHS)

4.5
90%

254

543

294

434

16

692

210

3.0

304 323

378 275 297 567

420
1,000

568

2.5

323

2.0

289

800

280
1.5

600

997 1,011

790

900 943 920
1.0

741
647 572

0.5

200
67

63

54

64

67

19

3.5

347

1,200

84

Mortgage

17

21

25

29

80%

70

53

73

-

Special Mention Contribution (%)

1,600

-

14

4.0

Special Mention/Total Loans (%)

Absolute Special Mention Loans (Rp bn)

1,800

400

Commercial

100%

2,000

1,400

Micro

70%

28

34

36

19
22

16
16

60%

17
20

50%
40%
62
30%

53

60

53

55

50
44

41

20%
10%
0%

4

4

3

4

4

5

4

3

17

Non Performing Loans
Consumer (LHS)

Micro (LHS)

Consumer

Commercial (LHS)

Mortgage (LHS)

9
90%

4.0

80%

3.5

70%

194
3.0

171
715 771 715
705

2.5

119 679
2.0
112

1,000
87
68

517

1.5

454
467

500

408

289

-

30

849
378
29

484
31

960

1,059 1,024 1,066

607

34

33

35

33

29

32

51
NPL Contribution (%)

Absolute Net Performing Loans (Rp bn)

223 228 264

4.5

Net Performing Loan/Total Loans (%)

2,500

1,500

Commercial

Mortgage

100%

% to Loans (RHS)

2,000

Micro

49

10

10

11

11

13

39

37

35

38

34

48

49

51

52

50

51

3

2

2

2

1

2

9

10

40

45

3

42

60%

50%

40%

30%

1.0

20%

0.5

10%

-

9

0%

36

39

4

3

18

Analisis Imbal Hasil
Others
1.0% Placement to
Bank
Indonesia
9.5%

Loans
71.4%

Interbank
Placement
3.1%
Marketable
Securities
15.1%

Savings
Account
13.3%
Time Deposit
43.1%

Current
Account
35.3%

Bonds
2.4%

Interbank
Lending
5.9%

Imbal Hasil Aktiva

1Q14

1Q15

Penempatan pada BI

4.4

3.1

Penempatan pada Bank Lain

3.2

4.7

Surat Berharga

5.9

6.1

Kredit

15.5

15.0

Lainnya

1.0

0.4

Biaya Dana

1Q14

1Q15

Kewajiban pada Bank Lain
Surat Berharga yang
Diterbitkan

7.2

5.5

9.0

11.0

DPK dari Masyarakat

5.4

5.2

Giro

2.3

2.0

Deposito

8.3

8.6

Tabungan

1.8

1.6

Pinjaman DIterima

-

-

19

Komposisi Nasabah

100%

Consumer

Micro

1.9
2.0

2.7
2.1

2.3
2.2

Commercial

3.1
1.9

3.3
1.4

3.5
1.7

Mortgage

Government

3.6
1.9

3.8
1.4

3.9
1.1

18.6

17.6

16.4

90%
20.7

20.8

20.7

20.4

19.6

80%

80%

70%

70%

60%
50%

76.2

74.8

74.3

74.3

74.9

75.2

75.9

77.2

78.6

Funding Proportion (%)

Lending Proportion (%)

19.9

60%

84.5

84.3

86.6

92.0

91.8

92.0

91.8

90.9

90.5

7.6
0.4

7.7
0.4

7.6
0.4

7.8
0.4

8.6
0.5

9.0
0.5

50%
40%

30%

30%

20%

20%

10%

10%

0%

Retail

100%

90%

40%

Corporate

14.4

14.8

1.2

0.9

12.6

0.8

0%

20

Kecukupan Modal
•Total Modal sebesar Rp 5.7 T ( +Rp 269 M YoY)

Aktiva
Tertimbang
Menurut Risiko
(ATMR)

1Q14

1Q15

YoY (%)

Total ATMR

33,596

36,494

8.6 %

Risiko Kredit

25,290

27,115

7.2 %

Risiko Operasional

7,204

8,150

13.1 %

Risiko Pasar

1,102

1,229

11.5 %

ATMR/Total Aktiva

45.3%

44.6%

-0.7%

Modal Inti

5,433

5,679

4.5 %

Modal Pelengkap

(5)

17

-

Total Modal

5,428

5,696

5.0 %

Tier-1 CAR

16.2%

15.6%

-0.6%

Total CAR

16.2%

15.6%

• Total CAR 15.6% (-54bps YoY)

Penambahan
Dampak thd
ATMR Untuk
KPMM
Ekspansi Rp
(%)
1 Triliun (net)

Analisa KPMM

ATMR

Kredit Konsumer

50%

Rp 500 M

0.21

Kredit Mikro

75%

Rp 750 M

0.31

Kredit Komersial

100%

Rp 1 T

0.42

KPR

40%

Rp 400 M

0.17

-0.6%

21

Kinerja Kredit Konsumer (Detail)

22

Kinerja Kredit Konsumer

Pertumbuhan

Kualitas

• Total Kredit Konsumer Rp 34.7 T(+16.0% YoY/ +3.3% QoQ)
• Ekspansi netto sebesar Rp 4.8tr YoY/ +1.1tr QoQ
• Total Kredit Konsumer berkontribusi sebesar 69.9%
( +390bps YoY/ +190bps QoQ)
• Jumlah Debitur sebesar 355,239 Nasabah (+12,046 YoY/ +4,793 QoQ)






NPL 0.09 % (-2bps YoY/ +1bps QoQ)
NPL Nominal sebesar Rp 32.5 bn (-0.4bn YoY/ +3.9bn QoQ)
Kredit Dalam Perhatian Khusus 0.21% (-1bps YoY/ +5bps QoQ)
Kredit Dalam Perhatian Khusus sebesar Rp 72.6 bn (+5.8bn YoY/ +19.4bn QoQ)

23

Kredit Konsumer
Civil Servant Loans (LHS)

Pensioner Loans (LHS)

NPL (RHS)
40

1Q15

YoY
(%)

Posisi Kredit

29,892

34,681

16.0 %

Ekspansi Netto
(Rp Miliar)

1,035

1,103

6.5%

Rata-Rata per
Debitur
(Rp Miliar)

87

98

12.1 %

Jumlah Debitur

343,193

355,239

3.5 %

0.9
2.41

2.52

2.64

2.79

0.8

2.21

30
1.46

1.74

2.02

0.7

1.11

0.6
0.5

20

15
23.4

26.8 27.7
25.3 26.1

30.9 31.9
29.1 30.2

0.4

(%)

(Rp tr)

1Q14

1.0

35

25

Indikator Utama

Tingkat Suku
Bunga

15.00%-18.45% % eff. p.a

0.3

10

5

0

0.2

Kualitas Aktiva

1Q14

1Q15

YoY
(%)

0.1

Dalam Perhatian
Khusus

0.22

0.21

-0.01

NPL

0.11

0.09

-0.02

0.0

24

Kredit Kepada Pegawai Negeri Sipil
Civil Servant Loans (LHS)

NPL (RHS)

35

0.5

Indikator Utama

1Q14

1Q15

YoY
(%)

Posisi Kredit

27,682

31,888

15.2 %

Ekspansi Netto
(Rp Miliar)

843

951

12.8%

Rata-Rata per
Debitur
(Rp Miliar)

88

99

12.5 %

Jumlah Debitur

312,969

320,611

2.4 %

31.9
30.2
30

30.9
27.7
26.1

25

29.1

0.4

26.8
23.4 25.3
0.3
(%)

(Rp tr)

20

15

10

0.2

0.12

0.11
0.11

5

0

0.11
0.12

0.10

0.09

0.11

0.1

Tingkat Suku Bunga

15.00%-18.45% % eff. p.a

Kualitas Aktiva

1Q14

1Q15

YoY

Dalam Perhatian
Khusus

0.21

0.20

-0.01

NPL

0.11

0.09

-0.02

0.08

0.0

25

Kredit Kepada Pensiunan
Pensioner Loans (LHS)

NPL (RHS)

Indikator Utama

1Q14

1Q15

YoY
(%)

Posisi Kredit

2,210

2,793

26.3 %

Ekspansi Netto
(Rp Miliar)

192

152

-21.1%

Rata-Rata per
Debitur
(Rp Miliar)

73

81

10.3 %

1,464

Jumlah Debitur

30,224

34,628

14.6 %

0.08

Tingkat Suku
Bunga

0.2

3,000
2,793
2,519
2,500

2,641

2,210 2,407

2,018
0.11

0.12

(Rp tr)

0.12
1,500

0.09

0.12

0.12

1,743
0.10

0.11

0.1

(%)

2,000

1,109
1,000

500

0

15.00%-18.45% % eff. p.a

Kualitas Aktiva

1Q14

1Q15

YoY

Dalam Perhatian
Khusus

0.39

0.31

-0.08

NPL

0.10

0.12

+0.02

0.0

26

Kredit Dalam Perhatian Khusus
Kontribusi Kredi Pensiunan +6.8% YoY

Nominal Kredit Dalam Perhatian Khusus +8.7% YoY
Civil Servant Loans (LHS)

Pensioner Loans (LHS)
Civil Servant Loans

Special Mention Loans (RHS)

90

Pensioner Loans

100%

0.5

8.3

10.3

10.5

12.8

12.8

13.8

15.1

15.2

89.7

89.5

87.2

87.2

86.2

84.9

84.8

90%

80

11.8

80%

8.6
5.6
60

10.6

8.5

6.5

8.1
0.3
5.7

50

8.1

0.3
40

30

0.3
0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2
20

0.1

10

Special Mention Laons Contribution (%)

0.4

70

Special Mention Loans (%)

Absolute Special Mention Loans (Rp bn)

11.6

70%

60%
50%
91.7
40%

88.2

30%
20%
10%

61.3 56.2 48.3 55.6 58.3 72.4 59.8 45.1 64.0
0

-

0%

27

Non Performing Loans
Kontribusi Kredit Pensiunan +7.6% YoY

NPL Nominal Kredit Konsumer -1.1% YoY
Civil Servant Loans (LHS)

Civil Servant Loans (LHS)

Pensioner Loans (LHS)
100%

NPL (RHS)
40

4.1

3.9

5.2

0.5

7.2

Pensioner Loans (LHS)
6.6

8.5

8.7

9.9

10.2

90.1

89.8

90%
35
2.4
1.3

0.4

2.9

2.2

3.3

1.6

70%

1.1

25

0.3
NPL (%)

Absolute NPL (Rp bn)

2.8

20

15

29.0 28.1

0.2

31.3 30.7 32.0 30.3
29.7

NPL Contribution (%)

30

80%

3.0

60%

95.9

96.1

92.8
50%

94.8

93.4

91.5
91.3

40%

29.2
25.7

30%

10
0.1
5

0

0.1

0.1

0.1

0.1

0.1

0.1
0.1

0.1

20%

0.1
10%

0.0

0%

28

Kinerja Bisnis Syariah
1Q15 bank bjb Syariah

29

Ringkasan Kinerja

Laporan
Laba Rugi

Neraca

Rasio
Keuangan
(bank)

• Pendapatan Marjin Bersih Rp 75.5 M (+37.4% YoY)
• Beban Operasional Rp 85.5 M (+39.1% YoY)
• Laba Bersih Rp 727 Juta (-27.4% YoY)

• Total Pembiayan Rp 4.6 T (+27.3% YoY)
• Total Dana Pihak Ketiga Rp 4.8 T (+37.0% YoY)
• Total Aktiva at Rp 6.0 T (+17.0% YoY)






NIM at 6.2% (+62bps YoY)
ROA at 0.1% (-7bps YoY)
ROE at 0.5% (-18bps YoY)
NPF Gross at 7.2% (+423bps YoY)

30

Rasio Keuangan

Rasio Utama (%)

1Q14

1Q15

YoY

CAR

18.1%

13.7%

-4.4%

NPF Gross

3.0%

7.2%

+4.2%

NPF Nett

2.3%

5.0%

+2.7%

ROA

0.1%

0.1%

-

ROE

0.7%

0.5%

-0.2%

NIM

5.6%

6.2%

+0.6%

BOPO

97.4%

98.7%

+1.3%

FDR

87.5%

88.5%

+1.0%

31

Laporan Laba Rugi
Laporan Laba Rugi
(Rp Juta)

1Q14

1Q15

YoY

Pendapatan Marjjin

137,639

173,309

25.9%

Beban Marjin

82,695

97,811

18.3%

Marjin Bersih

54,944

75,498

37.4%

Pendapatan Operasional Lainnya

8,175

11,149

36.4%

Beban Operasional

61,489

85,544

39.1%

Pendapatan Operasional

1,630

1,103

-32.3%

Pendapatan (Biaya) Non Operasional

135

5

-96.3%

Laba Sebelum Pajak

1,765

1,108

-37.2%

Beban Pajak

(764)

(381)

-50.1%

Laba Bersih

1,001

727

-27.4%

32

Neraca
Ringakasan Neraca
(Rp Juta)

1Q14

1Q15

YoY

Kas atau Setara Kas

27,513

27,806

1.1%

Giro pada Bank Indonesia

165,055

220,552

33.6%

Cadangan Sekunder

1,082,651

961,291

-11.2%

Pembiayaan-net

3,587,975

4,528,102

26.2%

Aktiva Tetap-net

164,176

158,884

-3.2%

Aktiva Lainnya

95,848

99,126

3.4%

Total Aktiva

5,123,218

5,995,761

17.0%

Total Dana Pihak Ketiga

3,466,662

4,750,923

37.0%

Pinjaman Diterima

974,631

542,113

-44.4%

Lainnya

64,917

63,247

-2.6%

Total Kewajiban

4,506,210

5,356,283

18.9%

Total Ekuitas

617,008

639,478

3.6%

33

Kinerja Bisnis
Total Financing

Total Funding

Penyaluran Dana
(Rp Juta)

1Q14

1Q15

YoY
(%)

Murabahah

2,218,215

3,378,998

52.3%

Ijarah

14,591

53,150

264.3%

Pembiayaan

1,259,359

1,116,509

-11.3%

Qardh

148,930

88,075

-40.9%

Isthisna

5,390

3,977

-26.2%

Total Pembiayaan (Gross)

3,646,485

4,640,709

27.3%

Penghimpunan Dana
(Rp Juta)

1Q14

1Q15

YoY
(%)

Wadiah

72,474

85,463

17.9%

1.0

Wadiah

104,799

144,039

37.4%

0.5

Mudharabah

328,308

515,923

57.1%

Mudharabah

2,961,082

4,005,499

35.3%

Total Dana Pihak Ketiga

3,466,662

4,750,923

37.0%

5.0
4.6
4.5

4.6

4.2

4.4

4.0

4.1
3.5

3.5

3.3
3.4

(Rp tr)

3.0

4.8

3.1

3.7

3.6 3.6
3.1 3.1

3.8
3.0

3.0

2.5

2.0
1.5

0.0

34

Profil Perusahaan
bank bjb

35

Struktur Pemegang Saham
Struktur Pemegang Saham

1Q14

1Q15

Seri A

75.00

75.00

Pemerintah Prop. Jawa Barat

38,26

38,26

Pemerintah Kota/Kab. Se-Prop.
Jawa Barat

23,61

23,61

Pemerintah Prop. Banten

5,37

5,37

Pemerintah Kota/Kab. Se-Prop.
Banten

7,76

7,76

Seri B

25,00

25,00

Perorangan Dalam Negeri

4,90

4,94

Institusi Dalam Negeri

5,42

5,52

Perorangan Asing

0,02

0,02

Institusi Asing

14,66

14,52

36

Road Map
To Build Sustainable Growth And Excellent Performance Bank

2015
Build Strong
Foundation
Strategy






2016-2017

2018 - 2019

Quality Growth

A Bank With Excellent
Performance And Services

Strategy

Strategy

2020
Ready For Asean Economic
Community (AEC)

Increasing Deposit Market Share
Improving Loans Quality And Distribution
Increasing Capital Adequacy
Developing Support Functions :
o Enhancing Information Technology, Network And Services
o Improving Human Capital
o Widening Services Policy
o Improving Cost Control
o Implementing Risk Management And Credit Risk Principles
o Enhancing Audit Function, Legal And Compliance
o Improving Corporate Secretary Function
o Increasing Performance Of Subsidiaries

37

Aliansi Bisnis dan Strategi
Sustainable Growth
and Excellent
Performance Bank

Commercial
& Corporate
Loans

Micro
Loans

oImproving Micro
Loans Quality
oRedesign
Organizational
Structure & Business
Process
oLinkage And
Strategic Alliances
With Rural Bank

oImproving Loans
Process Through
Four Eyes
Principles

Consumer
Loans &
Mortgage
oOrganic And
Inorganic Growth
o More Focus On
Pensioner Loans

oRisk Management
And Expanding
Quality Growth

Consumer
&
Institutions
Deposit

Treasury and
International

Subsidiary
Companies

oIncreasing
CASA
Composition
Through Cash
Management

oProviding Trade
Finance,
Remittances, and
Dealing Services for
Customers

o Enhancing
Performance
Of Subsidiaries

o Developing
Internet &
Mobile Banking

oOptimization Of
Capital Market,
Foreign Exchange &
Derivatives

oBuilding Deposit
& Services
Infrastructure

Support Strategy
Risk Management
and Credit Risk

Improving Organizational Structure
And HR Competencies Through
Extensive Training Program

Developing Audit
Function, Legal And
Compliance

Network Expansion
IT, and Services
Improvement

Enhance
Communication
with Investors

38

Jaringan dan Layanan

Others
Deposits 2.0 Tr
Loans 3.2 Tr
Micro Loans 429 bn
Profit 17 bn
48,849 Customers
13 Branch Offices
13 Sub Branch
Offices
4 Cash Offices
94 ATM Unit
25 Waroeng bjb
407 Employees

Total bjb
employees
7,041
Total bjb
customers
4,452,735

Jakarta
Deposits 10.1 Tr
Loans 5.1 Tr
Micro Loans 215 bn
Profit 46.8 bn
71,067 Customers
9 Branch Offices
58 Sub Branches
5 Cash Offices
1 Payment Point
117 ATM Unit
24 Waroeng bjb
584 Employees

Banten
Deposits 12.9 Tr
Loans 8.1 Tr
Micro Loans 390 bn
Profit 234 bn
809,498 Customers
8 Branch Offices
45 Sub Branches
45 Cash Offices
39 Payment Point
203 ATM Unit
98 Waroeng bjb
871 Employees

West Java
Deposits 41.4 Tr
Loans 33.2 Tr
Micro Loans 3.15 Tr
Profit West Java 852 bn
Loss Head Oficce 661 bn
3,523,321 Customers
32 Branch Offices
196 Sub Branch
259 Cash Offices
92 Payment Point
783 ATM Unit
339 Waroeng bjb
5,179 Employees

39

Detail Jaringan dan Layanan
No

Jaringan Kantor

1Q14

1Q15

YoY

1

Kantor Cabang

62

62

-

2

KCP

306

312

6

3

Kantor Kas

281

313

32

4

Payment Point

112

132

20

5

ATM

1,168

1,197

29

6

Waroeng bjb (A,B & C)

510

486

-24

7

Layanan bjb Precious

11

11

-

8

Sentra UMKM

6

6

-

9

Kas Mobil

11

11

-

10

Weekend Banking

22

22

-

11

Cabang Devisa

47

47

-

2,536

2,599

63

Total

40

Sumber Daya Manusia
Educational Breakdown
Level

1Q14

1Q15

YoY

Dewan Komisaris

5

4

-1

Direksi

4

6

2

Manajemen Puncak

34

30

-4

Manajemen Madya

222

218

-4

Manajemen Lini Pertama

1,626

1,683

57

Staff

4,735

5,095

360

Up to High School

Pegawai MPP

2

5

3

Total Pegawai Tetap

6,628

7,041

413

Up to Bachelor Degree
Masters and
Up to High
Doctorate
School
4%
0%

Masters and Doctorate

Up to
Bachelor
Degree
96%

Age Breakdown
18 - 30

Pegawai Kontrak Divisi Mikro

1,948

501

-1,447

Lain-Lain

2,561

2,661

100

Total Pegawai Kontrak

4,509

3,162

-1,347

Total Pegawai

11,137

10,203

-934

31 - 40

41 - 50

> 50

41 - 40
15%

18 - 30
79%

41 - 50
5%
> 50
1%

41

Penghargaan 2014-2015

Infobank-MRI 2014 Banking Service Excellent
Awards –
2nd Best Phone Handling Commercial Banking

Infobank Awards –
Financial Performance “Very Good” In 2013

Infobank-MRI 2014 Banking Service Excellent
Awards –
1st Best ATM Commercial Banking

Markplus Awards – The Best Of Indonesian Bank
Loyalty Champion For Saving Account (Assets
Under Rp 100 Trillion)

Indonesia WOW Brand Award 2014 – Gold
Champion Category Saving Account (BUKU III)

Indonesia WOW Brand Award 2014 –
Best Conventional Bank For BUKU III Category

42

Penghargaan 2014-2015

BPJS Awards – Innovators For BPJS
Participation Through Service Point Office
(SPO)

Corruption Eradication Commission Awards–
Most Reported Gratification For Regional
Owned Enterprises 2014

BPJS Awards – Regional Strategic Partner 2014

Corruption Eradication Commission Awards–
Best Gratification Control Unit For Regional
Owned Enterprises 2014

Infobank Awards – Financial Performance
“Very Good” For 15 Years In A Row From
1999 - 2013

Ministry of Finance Awards – Best Taxpayer for
West Java Region

43

Perkembangan Harga Saham
Volume (RHS)
1400

Investor Relations Group
Menara bank bjb 7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
ir@bankbjb.co.id

Price (LHS)
120

1300
100

80

Contact Person:
Muhammad As’adi Budiman
Group Head
mbudiman@bankbjb.co.id

60

Irwan Riswandi
Manager
iriswandi@bankbjb.co.id

1200

1000

900

Million Shares

Rp/share

1100

Ari Budiman
Officer
abudiman@bankbjb.co.id

40
Anjas Septa Lesmana
Officer
aslesmana@bankbjb.co.id

800
20
700

600

Source: Bloomberg

0

Simon Sihol Panggabean
Staff
spanggabean@bankbjb.co.id
Gilat Wijie Priyantama
Staff
gpriyantama@bankbjb.co.id
Lies Rosdiana
Staff
lrosdiana@bankbjb.co.id

44

Menara bank bjb
Jl. Naripan 12 – 14
7th Floor
Bandung 40111
Telp. +6222 4234868