BJBR AM 4Q2012 Bahasa Super Final

Pg. 5

Ringkasan Kinerja

Pg. 11

Detail Kredit

Pg. 17

Detail Dana Pihak Ketiga

Pg. 18

Kualitas Aktiva

Pg. 21

Analisa Imbal Hasil

Pg. 24

Performa Kredit Mikro

Pg. 33

Performa Bank bjb Syariah

Pg. 39

Profil Perusahaan

Consumer Confidence Index

GDP Growth

BI Rate

130

14

120

8

6
4

100
90
80

2

70

0

60

CPI

(%)

110

18
16
14
12
10
8
6
4
2
0

1mth JIBOR

USDIDR

13000

12000

10yr Govt Bonds Yield
25
20

11000
USDIDR

(%)

10

10000

15

9000

10

8000
7000
6000

5
0

Yield (%)

Index (points)

12

Loans Growth

Deposit Growth

40.0

•

30.0

•

25.0
20.0
15.0

•

10.0

•

5.0
-

Investment Loans
60
50
YoY Growth (%)

YoY Growth (%)

35.0

40
30
20
10

0

WC Loans

Consumer Loans

•
•

•
•

Government

Corporate

Retail

100%
90%

19

17

18

16
22

19

18

19

19

19

34

32

25

24

80%
26

Funding Proportion (%)

70%
60%

39

42

34

42

37

41

54

50%

49

50

40%

30%
20%
10%
0%

58
42

48
41

40
24

47

45

49

40
25

26

•
•

•

• Marketing
Staff
•Customer
Sales

Marketing

• Processor
•Credit Analyst
•Officer
•Branch/Sub
Branch
Manager

Proses Kredit

•Pick up Staff
•Supervision
Staff

Penagihan

25
38.26
7.76

23.61
5.37

o
o
o

o
o
o

o

o

o

o

o

o

o

o
o

o

o
o
o

o

Up to High School

Up to Bachelor Degree

Masters and Doctorate
0.8
4.9

94.4