BJBR AM 2Q2016 Bahasa Analyst Meeting

Lebih Besar, Lebih Kuat, Lebih Baik

bank

bjb

Hal. 3

Ekonomi Makro

Hal. 4

Sektor Perbankan

Hal. 5

Ringkasan Kinerja

Hal. 6

Target dan Pencapaian

Hal. 7

Rasio - Rasio Keuangan

Hal. 8

Laporan Laba Rugi

Hal. 9

Neraca

Hal. 10

Breakdown Kredit

Hal. 15

Breakdown Dana Pihak Ketiga

Hal. 18

Analisis Imbal Hasil

Hal. 19

Kecukupan Modal

Hal. 20

Kinerja Kredit Konsumer (Detail)

Hal. 23

Kinerja Anak Perusahaan

Hal. 29

Profil Perusahaan

Source: Bloomberg Source: Bloomberg

Indeks Kepercayaan Konsumen Meningkat

Ekonomi Makro

BI Rate Turun Ke Level 6.5%

Rupiah Menguat Terhadap Dollar di Bulan Juni Tingkat Inflasi Mencapai 3.45% YoY di Bulan Juni

0 2 4 6 8 10 (% )

GDP Growth BI Rate

0 2 4 6 8 10 (% )

CPI 1M JIBOR

0 2 4 6 8 10 12 6000 8000 10000 12000 14000 Yi e ld ( % ) US D I D R

USDIDR 10Yr Govt Bond 0 20 40 60 80 100 120 140 In d e x ( p o in ts )

Sektor Perbankan

Mei ’15 Mei’16 YoY (%)

Total Kredit 3,757 4,070 +8.33

Total DPK 4,232 4,508 +6.52

LDR 88.72 90.32 +1.6

NPL 2.58 3.11 +0.53

ROA 2.45 2.34 -0.11

NIM 5.33 5.6 +0.27

-5 10 15 20 25 30 35 40

Investment Loans WC Loans Consumer Loans

-5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0

Yo

Y

G

ro

w

th

(

%

)

Loans Growth Deposit Growth

Source: SPI May 2016

Source: SPI May 2016

Per Mei 16, kinerja sektor perbankan adalah sbb :

•Total Kredit +8.33%YoY menjadi Rp34,070 tr (Kredit Investasi +11.20% YoY, Kredit Modal Kerja +6.38% YoY, Kredit Konsumer +9.10% YoY)

•Dana Pihak Ketiga +6,52% YoY menjadi Rp 4,508 tr (CASA +2.08% YoY, Deposito Berjangka +1.98%YoY, Rasio CASA 53.39%)

•NPL +0.53% YoY menjadi 3.11%

Ringkasan Kinerja

• Pendapatan Bunga Bersih Rp 2.7 T (+26.9% YoY/ +10.8% QoQ) • Laba Operasional Sebelum CKPN Rp 1.2 T (+40.3% YoY/+6.7% QoQ) • Beban CKPN Rp 38 M (-65.3% YoY/ +14.7% QoQ)

• Laba Bersih Rp 905 M (+56.3% YoY/ +6.69% QoQ)

Laporan Laba

Rugi

• Total Kredit Rp 60.1 T (+15.2% YoY/ +8.90% QoQ) • Total DPK Rp 68.3 T (-11.8% YoY/ -8.4% QoQ) • Total Aset Rp 90.9 T (+1.0% YoY/ +1.4% QoQ)

Neraca

• NIM 7.2% (+117bps YoY/ +27bps QoQ) • ROA (Net) 2.1% (+68bps YoY/ +5bps QoQ) • ROE (Net) 22.5% (+604bps YoY/ +51bps QoQ) • NPL (Gross) 2.0% (-163bps YoY/ -82bps QoQ)

Rasio

Keuangan

Target dan Pencapaian

(%) Target 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16

Pertumbuhan

Kredit 13% -14% 9.4 11.2 12.0 11.3 15.2

Pertumbuhan

Dana Pihak Ketiga 12% - 13% 30.5 25.4 18.4 12.0 -11.8

ROA (net) 1.5% - 2.0% 1.4 1.4 1.6 2.0 2.1

ROE (net) 15% - 20% 16.5 16.9 19.2 22.0 22.5

NIM 6.5% - 7.0% 6.0 6.0 6.3 6.9 7.2

Biaya Dana 5.0% - 5.3% 5.7 5.8 5.9 5.2 5.0

Rasio Cost to

Income 60% - 65% 67.5 66.5 68.3 64.1 64.2

NPL (Gross) 2.0% - 2.5% 3.6 3.5 2.9 2.8 2.0

Credit Cost 0.3% - 0.7% 1.04 0.71 0.16 0.10 0.02

Rasio-Rasio Keuangan

Rasio Utama 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16

Profitabilitas

ROA (net) 1.4 1.4 1.6 2.0 2.1

ROE (net) 16.5 16.9 19.2 22.0 22.5

Rasio Efisiensi

Rasio Cost to Income 67.5 66.5 68.3 64.1 64.2

BOPO 84.4 84.3 83.3 78.1 77.5

Imbal Hasil

Imbal Hasil Asset 11.8 11.9 12.2 12.1 12.2

Biaya Dana 5.7 5.8 5.9 5.2 5.0

NIM 6.0 6.0 6.3 6.9 7.2

LDR 67.5 70.7 88.1 74.1 88.1

Kualitas Aktiva

Rasio Kredit Dapersus 3.5 2.8 2.2 2.2 2.1

NPL (Gross) 3.6 3.5 2.9 2.8 2.0

NPL (Net) 0.8 0.7 0.9 1.0 0.8

Coverage Ratio 79.5 80.8 73.7 68.3 62.6

CKPN / Total Kredit 2.9 2.8 2.1 1.9 1.3

Credit Cost 1.04 0.71 0.16 0.10 0.02

Laporan Laba Rugi

Laporan Laba Rugi Positioning Pertumbuhan

(Rp Miliar) 2Q’15 2Q’16 YoY

(%) YoY 1Q’16 2Q’16

QoQ

(%) QoQ

Pendapatan Bunga 4,391 4,800 9.3% 409 2,367 2,433 2.8% 66

Beban Bunga 2,228 2,054 -7.8% (174) 1,064 990 -7.0% (74)

Pendapatan Bunga Bersih 2,163 2,746 26.9% 583 1,303 1,443 10.8% 141

Fee Based Income 195 211 8.4% 16 93 118 27.8% 26

Beban Operasional 1,525 1,821 19.4% 296 849 972 14.4% 122

Gain (Loss) on Financial Statement 40 88 5.0% 48 46 42 -9.2% (4)

Laba Operasional Sebelum CKPN 873 1,224 40.3% 351 592 632 6.7% 40

Beban CKPN 109 38 -65.3% (71) 18 20 14.7% 3

Pendapatan Non Operasional (24) (34) 40.0% 10 (20) (14) -28.0% (6)

Laba Sebelum Pajak 739 1,152 55.9% 413 555 597 7.7% 43

Beban Pajak 160 247 54.2% 87 117 130 10.5% 12

Neraca

Neraca

(Rp Miliar) 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16

YoY (%)

Kas atau Setara Kas 2,371 1,852 2,355 1,724 3,295 39.0%

Giro pada Bank Indonesia 7,317 6,364 5,826 4,529 4,782 -34.6%

Cadangan Sekunder 26,328 25,247 17,031 25,636 18,197 -30.9%

Kredit (net) 50,699 52,947 54,112 54,148 59,370 17.1%

Aktiva Tetap (net) 852 842 862 868 2,460 188.7%

Aktiva Lainnya 2,430 3,003 2,785 2,782 2,802 15.3%

Total Aktiva 89,997 90,255 82,971 89,687 90,906 1.0%

Total Dana Pihak Ketiga 77,385 77,041 62,749 74,522 68,253 -11.8%

Surat Berharga Yang

Diterbitkan 1,722 1,723 1,723 1,122 1,122 -34.8%

Pinjaman Diterima 2,608 2,914 3,852 4,720 5,618 115.4%

Repo - - 3,656 - 5,242

-Lainnya 1,390 1,370 3,321 2,037 1,360 -2.2%

Total Kewajiban 83,105 83,047 75,301 82,402 81,594 -1.8%

Breakdown Kredit

Segmen

(Rp Miliar) 2Q’15 2Q’16

YoY (%)

Konsumer 36,191 41,447 14.5 %

Mikro 3,922 3,445 -12.2 %

Komersial 7,597 10,778 41.9 %

KPR 4,503 4,462 -0.9 %

Total Kredit 52,213 60,132 15.2 %

Mata Uang

(Rp Miliar) 2Q’15 2Q’16

YoY (%)

Rupiah 52,037 59,722 14.8%

Valas 176 410 131.6%

31.5 32.7 33.6 34.7

36.2 37.2 38.2 39.7 41.4 5.1 4.8 4.5

4.2 3.9

3.6 3.3

3.2 3.4 6.8 7.2 6.8 6.3

7.6 9.2

9.2 7.8 10.8

4.28 4.28 4.44 4.48

4.50

4.47 4.51 4.49

4.46

0 10 20 30 40 50 60 70

(R

p

t

r)

Kredit Konsumer

Indikator Utama 2Q’15 2Q’16 YoY

(%) Posisi Kredit 36,191 41,447 14.5 %

Ekspansi Netto

(Rp Miliar) 2,613 3,230 23.6%

Rata-Rata Per Debitur (Rp Miliar)

101 110 9.7 %

Jumlah Debitur 359,770 375,585 4.4 %

Tingkat Suku Bunga 15.00%-18.45% % eff. p.a

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 0.26 0.36 +0.10

NPL 0.11 0.10 -0.01

29.1 30.2 30.9 31.9

33.0 33.7 34.3 35.2 35.8 2.4 2.5 2.6 2.8 3.2 3.6 3.9 4.5 5.6 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1.0 0 5 10 15 20 25 30 35 40 45 (% ) (R p tr )

Kredit Mikro

*Kredit Mikro Utama

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 14.5 4.5 -10.0

NPL 25.1 14.2 -10.9

Indikator Inti 2Q’15 2Q’16 YoY

(%)

Posisi Kredit 3,922 3,445 -12.2 %

Ekspansi Netto

(Rp Miliar) (583) 115 119.8%

Rata-Rata per Debitur (Rp Miliar)

59 89 51.6 %

Jumlah Debitur 66,487 38,517 -42.1 %

Tingkat Suku Bunga* 11.0% - 27.5% eff. p.a.

3.1 2.7

2.4 2.2 1.9 1.7

1.4 _{1.2 1.2} 1.3 1.2 1.2 1.1 0.9 0.8 0.6 0.5 0.3 0.7 0.8 0.9 0.9 1.1 1.1 1.3

1.5 1.9

0.0 5.0 10.0 15.0 20.0 25.0 30.0 -1.0 2.0 3.0 4.0 5.0 6.0 (% ) (R p t r)

KMU (LHS) Govt Program (LHS) Others (LHS) NPL (RHS)

Kredit Komersial

Indikator Inti 2Q’15 2Q’16 YoY

(%)

Posisi Kredit 7,597 10,778 41.9 %

Ekspansi Netto

(Rp Miliar) 747 1,532 104.9%

Rata-Rata per Debitur (Rp Miliar)

1,226 1,674 36.6 %

Jumlah Debitur 6,198 6,438 3.9 %

Tingkat Suku Bunga _{6.3% -14.5% eff. p.a}

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 5.9 2.5 -3.4

NPL 7.5 3.5 -4.0

4.2 4.5 _4.0 3.3

4.5

6.0 6.0 4.7 7.5 1.5 1.5 1.6 1.6 1.7

1.7 1.8

1.8 1.8 1.2 1.1 1.3 1.3 1.4

1.4 1.4

1.4 1.5 -1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 -2.0 4.0 6.0 8.0 10.0 12.0 (% ) (R p t r)

Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)

Kredit Pemilikan Rumah

Indikator Inti 2Q’15 2Q’16 YoY

(%)

Posisi Kredit 4,503 4,462 -0.9 %

Ekspansi Netto

(Rp Miliar) 59 (44) -175.3%

Rata-Rata per Debitur (Rp Miliar)

250 233 -7.0 %

Jumlah Debtitur 17,989 19,167 6.5 %

Tingkat Suku Bunga 7.3% - 13.7% eff. p.a.

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 15.4 15.8 +0.4

NPL 6.9 7.0 +0.1

4.28 4.28 4.44 4.48 4.50 4.47 4.51 4.49 4.46 -1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 4.15 4.20 4.25 4.30 4.35 4.40 4.45 4.50 4.55 (% ) (R p t r)

Breakdown Dana Pihak Ketiga

Breakdown Dana Pihak Ketiga

(Rp Miliar)

2Q’15 2Q’16 YoY

(%)

Giro 27,860 26,017 -6.6 %

Tabungan 9,798 12,497 27.6 %

Deposito 39,728 29,738 -25.1 %

TOTAL 77,385 68,253 -11.8 %

Rasio CASA (%) 48.7 56.4 +7.7

Mata Uang

(Rp Miliar) 2Q’15 2Q’16

YoY (%)

Rupiah 76,921 66,957 -13.0%

Valas 464 1,296 179.3%

21.8 23.9 21.5 25.6

27.9 29.5 18.6

29.3 26.0 9.0 9.5 12.4

9.7 9.8

10.2 14.3

11.4 12.5 28.5 28.0

19.0 31.3

39.7 37.4

29.8 33.8

29.7

0 10 20 30 40 50 60 70 80 90

(R

p

t

r)

Kredit Dalam Perhatian Khusus

84 70 53 73 93 109 101 151 149 920

741

647 572 567 389

281 234 155 297 289 323 280 451 286

106 109 271 543

567 568

692

694 729

720 723 706 -0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 -200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 Sp e ci a l M e n ti o n /T o ta l L o a n s (% ) Ab so lu te S p e ci a l M e n ti o n L o a n s ( R p b n )

Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)

5 4 3 4 5 7 8

12 12 50

44

41 ₃₅

31 _{26 23} 19 12 16

17 20

17 25 19

9 9 21 29 34

36

43 38 ₄₈

60 59 55 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Sp e ci a l M e n ti o n C o n tr ib u ti o n ( % )

Non Performing Loans

35 33 29 32 38 40 34 58 40 960 1,059 1,024 1,066 986 968

754 674 488 705

715 771 715

571 567

526 463

378 194

223 228 264

311 340

298 373 311 -0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 -500 1,000 1,500 2,000 2,500 N on Pe rf o rm in g L o a n /T o ta l L o a n s (% ) Ab so lu te N o n P e rf o rm in g L o a n s (R p b n )

Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)

2 2 1 2 2 2 2 4 3 51 52 ₅₀ 51 52 51

47 43 40 37 35 _{38 34}

30 ₃₀ 33

30 31 10 11 11 ₁₃

16

18 18

24 26

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% NP L C o n tr ib u ti o n ( % )

Analisis Imbal Hasil

Imbal Hasil Aktiva (%) 2Q’15 2Q’16

Penempatan pada BI 4.5 1.6

Penempatan pada Bank Lain 4.7 3.4

Surat Berharga 5.8 7.0

Kredit 15.0 14.8

Lainnya 0.8 1.1

Biaya Dana (%) 2Q’15 2Q’16

Kewajiban pada Bank Lain 5.9 5.7

Surat Berharga yang Diterbitkan 9.9 6.9

DPK dari Masyarakat 5.6 4.8

Giro 2.1 2.1

Deposito 8.7 8.0

Tabungan 1.5 1.6

Pinjaman DIterima 0.0 5.1

Placement to Bank Indonesia

5% Interbank Placement

2% Marketable

Securities 16% Loans

76%

Others 1%

Current Account

35% Savings

Account 17% Time Deposit

40%

Interbank Lending

7%

Bonds 1%

Kecukupan Modal

Aktiva Tertimbang Menurut Risiko

(ATMR)

2Q’15 2Q’16 YoY (%)

Total ATMR 38,264 44,574 16.5 %

Risiko Kredit 28,893 34,269 18.6 % Risiko Operasional 8,150 9,157 12.3 %

Risiko Pasar 1,221 1,148 -5.9 %

ATMR/Total Aktiva 42.5% 49.0% +6.5%

Modal Inti 5,702 7,440 30.5 %

Modal Pelengkap 361 428 18.6 %

Total Modal 6,063 7,868 29.8 %

Tier-1 CAR 14.9% 16.7% +1.8%

Total CAR 15.8% 17.7% +1.8%

Analisa KPMM ATMR

Penambahan ATMR Untuk Ekspansi Rp 1

Triliun (net)

Dampak thd KPMM

(%)

Kredit Konsumer 50% Rp 500 M 0.20

Kredit Mikro 75% Rp 750 M 0.29

Kredit Komersial 100% Rp 1T 0.39

KPR 40% Rp 400 M 0.16

•Total Modal sebesar Rp 7.9 T ( +Rp 1,8 T YoY)

Kredit Kepada Pegawai

Indikator Utama 2Q’15 2Q’16 YoY

(%)

Posisi Kredit 33,000 35,804 8.5 %

Ekspansi Netto

(Rp Miliar) 2,063 1,496 -27.5%

Rata-Rata per Debitur

(Rp Miliar) 102 110 7.8 %

Jumlah Debitur 322,633 324,800 0.7 %

Tingkat Suku Bunga 15.00%-18.45% eff. p.a

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 0.24 0.37 +0.13

NPL 0.10 0.09 -0.01

29.1 30.2 30.9 31.9 33.0 33.7 34.3 35.2 35.8 0.11 0.10 0.08 0.09 0.10 0.11 0.08 0.11 0.09 0.0 0.1 0.2 0.3 0.4 0.5 0 5 10 15 20 25 30 35 40 (% ) (R p t r)

Kredit Kepada Pensiunan

Indikator Utama 2Q’15 2Q’16 YoY

(%)

Posisi Kredit 3,191 5,643 76.8 %

Ekspansi Netto

(Rp Miliar) 550 1,734 215.3%

Rata-Rata per Debitur (Rp Miliar)

86 111 29.3 %

Jumlah Debitur 37,137 50,785 36.8 %

Tingkat Suku

Bunga 15.00%-18.45% eff. p.a

Kualitas Aktiva 2Q’15 2Q’16 YoY

Dalam Perhatian

Khusus 0.40 0.31 -0.09

NPL 0.12 0.11 -0.01

2,407 2,519

2,641 2,793

3,191 3,556

3,909 4,494 5,643 0.12 0.12 0.11 0.12 0.12 0.12 0.12 0.44 0.11 0.0 0.1 0.2 0.3 0.4 0.5 0 1,000 2,000 3,000 4,000 5,000 6,000 (% ) (R p t r)

Kinerja Anak Perusahaan

Ringkasan Kinerja

• Pendapatan Marjin Bersih Rp 148.4 M (-1.6% YoY) • Beban Operasional Rp 739.8 M (+296.9% YoY) • Laba Bersih (rugi) Rp -51,1 M (+3,840.3% YoY)

Laporan Laba

Rugi

• Total Pembiayan Rp 5.1 T (+3.6% YoY)

• Total Dana Pihak Ketiga Rp 5.5 T (+6.0% YoY) • Total Aktiva at Rp 7.0 T (+12.1% YoY)

Neraca

• NIM at 4.6% (-73bps YoY) • ROA at -1.9% (-201bps YoY) • ROE at -11.3% (+1,173bps YoY) • NPF Gross at 17.1% (+1,018bps YoY)

Rasio

Keuangan

Rasio Keuangan

Rasio Utama (%) 2Q’15 2Q’16 YoY (%)

CAR 12.2% 20.9% +8.7%

NPF Gross 6.9% 17.1% +10.2%

NPF Nett 4.8% 13.5% +8.7%

ROA 0.1% -1.9% -2.0%

ROE 0.5% -11.3% -11.8%

NIM 5.3% 4.6% -0.7%

BOPO 99.5% 106.1% +6.6%

Laporan Laba Rugi

Laporan Laba Rugi

(Rp Juta) 2Q’15 2Q’16

YoY (%)

Pendapatan Marjjin 355,912 342,511 -3.8%

Beban Marjin 205,141 194,135 -5.4%

Marjin Bersih 150,771 148,376 -1.6%

Pendapatan Operasional Lainnya 38,768 526,217 1257.3%

Beban Operasional 186,386 739,812 296.9%

Pendapatan Operasional 3,153 (65,219) -2168.5%

Pendapatan (Biaya) Non Operasional (991) 962 197.1%

Laba Sebelum Pajak 2,162 (64,257) -3072.1%

Beban Pajak (777) 13,140 1791.1%

Neraca

Ringkasan Neraca

(Rp Juta) 2Q’15 2Q’16

YoY (%)

Kas atau Setara Kas 47,963 57,580 20.1%

Giro pada Bank Indonesia 243,202 276,666 13.8%

Cadangan Sekunder 825,993 1,415,278 71.3%

Pembiayaan-net 4,821,567 4,917,214 2.0%

Aktiva Tetap-net 159,965 172,492 7.8%

Aktiva Lainnya 168,370 184,464 9.6%

Total Aktiva 6,267,060 7,023,694 12.1%

Total Dana Pihak Ketiga 5,154,078 5,463,887 6.0%

Pinjaman Diterima 15,453 14,496 -6.2%

Lainnya 463,061 556,567 20.2%

Total Kewajiban 5,632,592 6,034,950 7.1%

Kinerja Bisnis

Penyaluran Dana

(Rp Juta) 2Q’15 2Q’16 YoY (%)

Murabahah 3,644,184 3,989,521 9.5%

Qardh 83,207 67,855 -18.5%

Pembiayaan 1,208,475 1,058,820 -12.4%

Isthisna 3,582 2,244 -37.4%

Total Pembiayaan (Gross) 4,939,448 5,118,440 3.6%

Penghimpunan Dana

(Rp Juta) 2Q’15 2Q’16 YoY (%)

Wadiah 86,088 97,563 13.3%

Wadiah 136,873 168,400 23.0%

Mudharabah Tabungan 435,004 718,516 65.2%

Mudharabah Deposito 4,496,113 4,479,408 -0.4%

Profil Perusahaan

bank

bjb

Struktur Pemegang Saham

Struktur Pemegang Saham 2Q15 2Q16

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 _{5,47 4,06}

Institusi Dalam Negeri _{5,78 6,81}

Perorangan Asing _{0,05 0,02}

Road Map

2015

2016-2017

2018 - 2019

₂₀₂₀

Membangun Pondasi Yang Kuat

Strategi

•

Peningkatan Market Share Dana Pihak Ketiga

•

Peningkatan Kualitas & Penyaluran Kredit

•

Pemenuhan Kebutuhan Permodalan

•

Pengembangan Bidang Penunjang :

o

_{Kebijakan Bidang Layanan, Jaringan dan TI}

o

_{Kebijakan Bidang Organisasi, SDM dan Diklat}

o

_{Kebijakan Bidang Jasa Perbankan}

o

_{Kebijakan Bidang Pelaporan dan Pengendalian Biaya}

o

_{Kebijakan Bidang Manajemen Risiko & Credit Risk Reviewer}

o

_{Kebijakan Bidang Pengawasan Internal, Hukum dan Kepatuhan Bank}

o

_{Kebijakan Bidang Hubungan Investor, Komunikasi dan Promosi}

o

_{Kebijakan Bidang Anak Perusahaan}

Strategi

Pertumbuhan Yang

Berkualitas Bank Dengan Kinerja_{& Layanan Terbaik}

Strategi

Membangun Pertumbuhan Berkesinambungan & Bank Yang Berkinerja Baik

Bersiap Menghadapi Masyarakat Ekonomi Asean (MEA)

Jaringan Kantor

Total Jaringan Kantor 2.570 Total bjb employees

7,472 Total bjb customers 4,527,504

Banten

Deposits 12.5 Tr Loans 8.2 Tr Micro Loans 319.8 bn Profit 468.3 bn 882,562 Customers 8 Branch Offices 45 Sub Branches 58 Cash Offices 42 Payment Point 203 ATM Unit 58 Waroeng bjb 774 Employees

West Java

Deposits 43.1 Tr Loans 39.2 Tr Micro Loans 1.9 Tr Profit West Java 1.84 Tr Loss Head Oficce 1.4 Tr 3,468,040 Customers 33 Branch Offices 193 Sub Branch 260 Cash Offices 92 Payment Point 790 ATM Unit 293 Waroeng bjb 5,721 Employees

Others

Deposits 2.0 Tr Loans 4.8 Tr Micro Loans 874.7 bn Profit 86.7 bn 61,887 Customers 13 Branch Offices 13 Sub Branch Offices

7 Cash Offices 99 ATM Unit 21 Waroeng bjb 410 Employees

Jakarta

Deposits 10.6 Tr Loans 7.9Tr Micro Loans 331 bn Profit 157 bn 115,015 Customers 9 Branch Offices 60 Sub Branches 5 Cash Offices 1 Payment Point 115 ATM Unit 66 Waroeng bjb 546 Employees

Detail Jaringan dan Layanan

No Jaringan Kantor 2Q’15 2Q’16 YoY

1 Kantor Cabang 62 63 +1

2 KCP 312 311 -1

3 Kantor Kas 316 330 +14

4 Payment Point 133 135 +2

5 ATM 1,197 1,207 +10

6 bjb Sahabat Usaha

(MSME Channel) 485 438 -47

7 Layanan bjb Precious 11 11

-8 Sentra UMKM 6 6

-9 Kas Mobil 11 11

-10 Weekend Banking 11 11

-11 Cabang Devisa 47 47

Sumber Daya Manusia

Berdasarkan Usia Berdasarkan Pendidikan

Level 2Q’15 2Q’16 YoY

Dewan Komisaris 4 5 +1

Direksi 7 7

-Manajemen Puncak 40 42 +2

Manajemen Madya 244 321 +77

Manajemen Lini Pertama 1,685 1,799 +114

Staff 5,127 5,289 +162

Pegawai MPP 10 9 -1

Total Pegawai Tetap 7,117 7,472 +355

Pegawai Kontrak Divisi Mikro - -

-Lain-Lain 2,688 4,371 +1,683

Total Pegawai Kontrak 2,688 4,371 +1,683

Total Pegawai 9,805 11,843 +2,038

Up to high School

0%

Up to Bachelor

Degree 95%

Master of Doctorate

5%

18 - 30 72% 31 - 40

21%

41 - 50 6% > 50

Penghargaan Tahun 2016

The Best BUKU 3 Bank for

Asset 50 – 100 Trillion Top 4

th_{Listed Bank Koran Sindo BPD Award 2016 –}

Best of The Best Bank Buku III

Koran Sindo BPD Award 2016 – Best CEO

Penghargaan Tahun 2016

Appreciation On Positive Contribution To The Tax

Revenue In 2015

Contact Center Service Excellent Award 2016 – bjb Call As Best

Call Center For Regular Banking Category

Koran Sindo Inspiration For Indonesia – Appreciation SINDO CSR Awards For Environmental Category

SWA Magazine – Ranked 46th

Indonesia’s 100 Most Valuable Brands Awards Bisnis Indonesia Award– Best

Small Cap In Indonesia

Investor Daily Award– Biggest Core Capital BUKU iii

Category

Infobank MRI Award – 1st_{Best ATM}

Commercial Bank Warta Ekonomi Award – Digital

Innovation For Banking

Infobank MRI Award – 10st_Best

Overall Performance Commercial Bank

Markplus WOW Brand Award 2015 – Best Champion Of Bandung Category

Conventional Bank (BUKU III)

Tribute From OJK - Annual Report Award Year Ended 2014 – 2nd_{Best Regional}

Company Listed Brand Finance Plc Brand Rating & SWA –

Ranked 43rd_{Most Valuable Indonesia}

Brand 2015

Tribute From Bank Indonesia - Annual Report Award Year Ended 2014 – 2nd_{Best Regional Company Listed}

Penghargaan Tahun 2015

Ministry of Finance Awards – Best Taxpayer for West Java Region Markplus WOW Brand Award 2015 – Best

Champion Of Bandung Category Saving Account (BUKU III)

IICD - Corporate Governance & Award – Top 50 Public Listed

Companies

Corruption Eradication Commission Awards– Best Gratification Control Unit For

Penghargaan Tahun 2015

Indonesia Property & Bank Award X 2015 Infobank Banking Service Excellence Award 2015 – 1st_{Best SMS Banking Conventional Banking Category}

MNC Business Award 2015 – Best Listed Regional Bank

Infobank Award – Best Financial Performance “ Best Of The Best” 2000

-2014

Annual Report Award Year Ended 2014 – 2nd_{Best Regional Company Listed}

Markplus WOW Brand Award 2015 - Gold Champion Category Time Deposit By

Kinerja Saham

Investor Relations Group Menara bank bjb7th_Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868

ext 7140/7141

ir@bankbjb.co.id

Contact Person:

Muhammad As’adi Budiman Group Head mbudiman@bankbjb.co.id Ari Budiman Manager abudiman@bankbjb.co.id Anjas Septa Lesmana Senior Officer aslesmana@bankbjb.co.id Indra Maulana Senior Officer inmaulana@bankbjb.co.id 0 20 40 60 80 100 120 550 650 750 850 950 1050 1150 1250 1350 Mi lli o n S h a re s Rp /s h a re

Menara bank bjb Jl. Naripan 12 – 14 7th_Floor

Penghargaan Tahun 2016

The Best BUKU 3 Bank for

Asset 50 – 100 Trillion Top 4

th_{Listed Bank Koran Sindo BPD Award 2016 –}

Best of The Best Bank Buku III

Koran Sindo BPD Award 2016 – Best CEO

Penghargaan Tahun 2016

Appreciation On Positive Contribution To The Tax

Revenue In 2015

Contact Center Service Excellent Award 2016 – bjb Call As Best

Call Center For Regular Banking Category

Koran Sindo Inspiration For Indonesia – Appreciation SINDO CSR Awards For Environmental Category

SWA Magazine – Ranked 46th

Indonesia’s 100 Most Valuable Brands Awards Bisnis Indonesia Award– Best

Small Cap In Indonesia

Investor Daily Award– Biggest Core Capital BUKU iii

Category

Infobank MRI Award – 1st_{Best ATM}

Commercial Bank Warta Ekonomi Award – Digital

Innovation For Banking

Infobank MRI Award – 10st_Best

Overall Performance Commercial Bank

Markplus WOW Brand Award 2015 – Best Champion Of Bandung Category

Conventional Bank (BUKU III)

Tribute From OJK - Annual Report Award Year Ended 2014 – 2nd_{Best Regional}

Company Listed Brand Finance Plc Brand Rating & SWA –

Ranked 43rd_{Most Valuable Indonesia}

Brand 2015

Tribute From Bank Indonesia - Annual Report Award Year Ended 2014 – 2nd_{Best Regional Company Listed}

Penghargaan Tahun 2015

Ministry of Finance Awards – Best Taxpayer for West Java Region Markplus WOW Brand Award 2015 – Best

Champion Of Bandung Category Saving Account (BUKU III)

IICD - Corporate Governance & Award – Top 50 Public Listed

Companies

Corruption Eradication Commission Awards– Best Gratification Control Unit For

Penghargaan Tahun 2015

Indonesia Property & Bank Award X 2015 Infobank Banking Service Excellence Award 2015 – 1st_{Best SMS Banking Conventional Banking Category}

MNC Business Award 2015 – Best Listed Regional Bank

Infobank Award – Best Financial Performance “ Best Of The Best” 2000

-2014

Annual Report Award Year Ended 2014 – 2nd_{Best Regional Company Listed}

Markplus WOW Brand Award 2015 - Gold Champion Category Time Deposit By

Kinerja Saham

Investor Relations Group

Menara bank bjb

7

th

_Floor

Jl. Naripan 12 – 14

Bandung 40111

+6222 4234868

ext 7140/7141

ir@bankbjb.co.id

Contact Person:

Muhammad As’adi Budiman

Group Head

mbudiman@bankbjb.co.id

Ari Budiman

Manager

abudiman@bankbjb.co.id

Anjas Septa Lesmana

Senior Officer

aslesmana@bankbjb.co.id

Indra Maulana

Senior Officer

inmaulana@bankbjb.co.id

0

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Menara bank

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Jl. Naripan 12 – 14

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