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
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