BJBR AM 3Q2013 Bahasa
Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
3Q13 Analyst Meeting
Daftar Isi
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 15
Detail Dana Pihak Ketiga
Pg. 16
Kualitas Aktiva
Pg. 19
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 37
Profil Perusahaan
2
Ekonomi Makro
BI Rate Meningkat 150 bps ke 7.25%
GDP Growth
Tren Penurunan Indeks Kepercayaan Konsumen
BI Rate
Consumer Confidence Index
12
Index (points)
10
6
4
2
0
Source: Bloomberg
Source: Bloomberg
Pengaruh Global Terhadap Pelemahan Pasar
Obligasi dan Rupiah
Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi
CPI
USDIDR
1mth JIBOR
(%)
15
10
5
0
Source: Bloomberg
USD IDR
20
10Yr Govt Bond
25
13000
12000
11000
10000
9000
8000
7000
6000
20
15
10
5
0
Source: Bloomberg
3
Yield (%)
(%)
8
130
120
110
100
90
80
70
60
Sektor Perbankan
40.0
Loans Growth
Deposit Growth
YoY Growth (%)
35.0
Pada
bulan
Juli‘13,
data
sektor
perbankan
menunjukkan :
30.0
25.0
• Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi
20.0
+33.5% YoY, Kredit Modal Kerja +18.7%, Kredit
15.0
Konsumsi +20.0%)
10.0
• DPK +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY,
5.0
Deposito Berjangka +7% YoY, CASA Rasio 56%)
-
• NPL -32bps YoY to 1.87%
• ROA -13bps YoY to 3.0%
Source: Bank Indonesia
Investment Loans
WC Loans
Jul ‘12
Jul ‘13
YoY (%)
Total Loans
2,478
3,046
22.9
Total
Deposit
2,961
3,393
14.6
LDR
83.6
89.7
+6.1
NPL
2.19
1.87
-0.32
ROA
3.13
3.0
-0.13
Consumer Loans
60.0
YoY Growth (%)
50.0
40.0
30.0
20.0
10.0
-
Source: Bank Indonesia
4
Ringkasan Kinerja
Laba Rugi
•
•
•
•
Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ)
Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ)
CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ)
Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ)
Neraca
•
•
•
•
Total Kredit Rp 44.1 triliun (+34.4% YoY/ +5.3% QoQ)
Total Pembiayaan Syariah Rp 3.7 triliun (+52.2% YoY/ +9.9% QoQ)
Total DPK Rp 56.6 triliun (+7.3% YoY/ +2.7% QoQ)
Total Aset Rp 75.9 triliun (+12.0% YoY/ +3.3% QoQ)
Rasio
Keuangan
(bank)
•
•
•
•
NIM 8.0% (+93bps YoY/ -11bps QoQ)
ROA (Net) 2.2% (+2bps YoY/ -7bps QoQ)
ROE (Net) 23.5% (+38bps YoY/ -82bps QoQ)
NPL (Gross) 2.5% (+77bps YoY/ +16bps QoQ)
5
Target vs. Realisasi
(%)
Target
1Q13
2Q13
3Q13
Pertumbuhan Kredit
25% - 28%
36.0
33.7
34.3
Pertumbuhan DPK
18% - 22%
-5.1
10.6
7.3
ROA (net)
1.8% - 2.0%
2.4
2.2
2.2
ROE (net)
20% - 22%
24.2
24.3
23.5
NIM
6.8% - 7.2%
8.2
8.2
8.0
Cost of Fund
5.0% - 5.5%
4.6
4.6
4.8
Cost to Income Ratio
51% - 54%
55.0
54.7
55.6
Gross NPL
1.5% - 2.0%
2.1
2.3
2.5
Credit Cost
1.0% - 1.4%
1.2
1.3
1.2
Rasio CASA
40% - 45%
50.0
48.5
49.3
6
Rasio Keuangan (bank)
Rasio Penting
3Q12
4Q12
1Q13
2Q13
3Q13
ROA (net)
2.1
1.9
2.4
2.2
2.2
ROE (net)
23.1
21.3
24.2
24.3
23.5
Cost to Income Ratio
52.3
56.5
55.0
54.7
55.6
Expense Ratio
76.8
80.0
74.4
75.9
77.0
Asset Yield
12.5
12.0
12.8
12.7
12.8
Cost of Fund
5.3
5.2
4.6
4.6
4.8
NIM
7.1
6.8
8.2
8.2
8.0
LDR
65.0
74.1
83.2
80.8
82.2
Dalam Perhatian Khusus
3.6
3.0
3.9
3.9
3.8
Gross NPL
1.7
2.1
2.1
2.3
2.5
Net NPL
0.5
0.5
0.7
0.6
0.6
Coverage Ratio
116.4
82.9
78.1
81.8
82.9
CKPN/Total Kredit
2.0
1.7
1.6
1.9
2.0
Credit Cost
1.0
1.2
1.2
1.3
1.2
18.4
18.1
17.2
16.4
16.4
Profitabilitas
Rasio Biaya
Imbal Hasil
Kualitas Aset
Permodalan
CAR
7
Laporan Laba Rugi
Laporan Laba Rugi
(Rp miliar)
3Q12
3Q13
YoY
(%)
2Q13
3Q13
QoQ
(%)
Pendapatan Bunga
5,092
5,995
17.7%
2,042
2,064
1.1%
Beban Bunga
(2,293)
(2,421)
5.6%
(801)
(885)
10.5%
Pendapatan Bunga
Bersih
2,799
3,574
27.7%
1,241
1,179
-5.0%
Fee Based Income
177
209
18.1%
78
67
-13.1%
Beban Operasional
(1,522)
(2,072)
36.1%
(717)
(700)
-2.3%
Laba (Rugi) dalam
Instrumen Keuangan
11
38
259.6%
10
29
201.1%
PPOP
1,464
1,749
19.5%
611
575
-6.0%
Beban CKPN
(269)
(373)
38.6%
(138)
(141)
2.6%
Pendapatan Non
Operasional
-
7
-
1
6
-
Laba Sebelum Pajak
1,194
1,382
15.8%
474
440
-7.2%
Beban Pajak
(249)
(286)
15.1%
(99)
(91)
-7.8%
Laba Bersih
946
1,096
15.9%
376
349
-7.1%
8
Neraca
Ringkasan Neraca
(Rp miliar)
3Q12
4Q12
1Q13
2Q13
3Q13
YoY
(%)
Kas atau Setara Kas
1,380
1,795
1,570
1,684
1,768
28.1%
Giro Pada Bank
Indonesia
4,279
4,666
3,659
4,127
4,249
-0.7%
Cadangan Sekunder
25,047
24,075
19,887
19,926
19,740
-21.2%
Kredit – net
32,142
34,769
37,198
41,046
43,154
34.3%
Pembiayaan Syariah –
net
2,391
2,880
2,965
3,295
3,626
51.7%
Aktiva Tetap - Net
520
735
1,002
1,010
1,006
93.5%
Aktiva Lain-lain
1,949
1,921
2,126
2,333
2,316
18.8%
Total Aktiva
67,708
70,841
68,407
73,421
75,860
12.0%
Total DPK
52,724
50,608
48,638
55,060
56,560
7.3%
Surat Berharga Yang
Diterbitkan
2,395
2,395
2,395
2,396
2,396
0.1%
Pinjaman Diterima
5,581
8,980
9,036
8,167
8,668
55.3%
Lainnya
1,266
2,849
2,625
1,711
1,792
41.5%
Total Kewajiban
61,966
64,832
62,694
67,334
69,417
12.0%
Total Ekuitas
5,742
6,009
5,713
6,087
6,443
12.2%
9
Detail Kredit (bank)
Consumer
Micro
Commercial
Mortgage
50
45
3.5
Segmen
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
Konsumer
21,842
27,872
27.6
Mikro
4,117
5,493
33.4
Komersial
5,617
6,995
24.5
KPR
1,215
3,506
188.7
Total Kredit
Gross
32,790
43,866
33.8
2.9
40
1.7
35
30
(Rp tr)
0.2 0.5
5.3
0.1
20
15
5.8
6.3
0.7
7.0
6.5
1.2
0.9
25
2.3
5.5
5.6
5.5
5.1
4.3
4.5
0.1
4.1
4.6 4.4
0.1
3.6
4.2
0.1
3.7
3.0 3.1
3.7
2.7 2.9
3.5
2.5
2.4
2.0
10
15.4 16.0
18.5 19.2
16.7 18.0
19.7
21.4 21.8 22.6
24.5
26.7 27.9
Mata Uang
(Rp miliar)
3Q ‘12
3Q ’13
YoY
Rupiah
32,509
43,623
34.2
Valas
281
243
-13.5
5
0
10
Kredit Konsumer
Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS)
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
21,842
27,872
27.6
Ekspansi Neto
(Rp miliar)
2,673
5,246
96.2
Rata-rata
Outstanding Per
Debitur
(Rp juta)
62
81
30.6
Jumlah Debitur
350,347
342,716
-2.2
1.0
30
1.46 1.74 0.9
1.11
25
0.63
0.8
0.80
0.60
20
15
0.43
0.44
0.7
0.56
0.6
0.45
0.5
25.3 26.1
10
16.3
14.9215.5
17.5
19.2
18.0 18.6
20.8
21.2 21.8
23.4
0.4
(%)
(Rp tr)
0.47
0.50
0.54
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
0.3
0.2
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
0.1
Dalam Perhatian
Khusus
0.23
0.19
-0.04
NPL
0.13
0.11
-0.02
5
0
0.0
11
Kredit Mikro
KMU (LHS)
Govt Program (LHS)
KCR (LHS)
NPL (RHS)
10.0
6.0
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
4,117
5,493
33.4
Ekspansi Neto
(Rp miliar)
1,142
948
-17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53
57
7.5
Jumlah Debitur
78,348
96,049
22.6
9.0
0.7 0.7
5.0
0.6
0.6
8.0
1.3 1.2 7.0
4.0
1.2
0.7
1.2
0.6
3.0
0.7 0.6
0.6
1.1
0.7
0.7
2.0
4.0
0.7
0.7
0.3
5.0
1.1
0.7 0.9
1.0
1.1 1.1
1.1
3.2
2.7
2.3
1.0
(%)
(Rp tr)
6.0
Tingkat Suku
Bunga*
11.0% - 27.5% eff. p.a.
3.6 3.6 3.0
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
12.7
18.4
+5.7
NPL
4.9
8.8
+3.9
1.9
1.4
1.1 1.2 1.2
1.0 1.0
1.0
1.0
-
0.0
*Kredit Mikro Utama
12
Kredit Komersial
Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
8.0
15.0
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
5,617
6,995
24.5
Ekspansi Neto
(Rp miliar)
1,215
658
-45.8
Rata-rata
Outstanding Per
Debitur
(Rp juta)
483
707
46.4
Jumlah Debitur
11,633
9,892
-15.0
14.0
7.0
13.0
1.0
0.8
0.7
5.0
1.0
0.8
(Rp tr)
0.6
0.6
4.0
0.6
0.6
0.5 0.5 0.6
0.5
3.0
0.5
0.6
11.0
1.3
1.3
1.2
8.0
0.8
7.0
0.6
0.6
6.0
0.6 0.6
5.0
3.9
2.5 2.6 2.6
10.0
9.0
0.5
2.0
1.0
0.9
0.8
3.0
3.3 3.2
3.0
4.3
4.8
4.5
3.9
4.3
Tingkat Suku
Bunga
6.3% -14.5% eff. p.a
4.0
3.0
2.0
1.0
-
(%)
6.0
12.0
-
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
9.2
4.6
-4.6
NPL
5.3
6.5
+1.2
13
Kredit Pemilikan Rumah (KPR)
Mortgage Loans (LHS)
NPL (RHS)
15.0
4,000
14.0
3,506
3,500
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
1,215
3,506
188.7
Ekspansi Neto
(Rp miliar)
762
1,785
134.3
Rata-rata
Outstanding Per
Debitur (Rp juta)
241
279
15.8
Jumlah Debitur
5,040
12,585
149.7
13.0
12.0
2,916
3,000
11.0
10.0
(Rp bn)
2,500
2,287
9.0
8.0
2,000
1,721
6.0
1,500
1,215
941
1,000
663
453
500
78
-
7.0
91 108 140
195
5.0
Tingkat Suku
Bunga
7.3% - 13.7% eff. p.a.
4.0
3.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
7.3
8.4
+1.1
NPL
2.6
3.2
+0.6
2.0
1.0
-
14
Detail DPK (bank)
Current Account
Savings Account
Time Deposit
60
Detail DPK
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
50
Giro
15,678
18,174
15.9
Tabungan
6,275
8,167
30.1
Deposito
28,531
27,049
-5.2
TOTAL
50,485
53,390
5.8
Rasio CASA (%)
43.5
49.3
+5.8
Mata Uang
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
Rupiah
50,277
53,113
5.6
Valas
208
277
33.2
40
26.6
(Rp tr)
28.5 24.3
32.4 30.0
27.0
22.6
30
23.5 20.0
19.2
19.1
20.9
18.9
20
7.6
8.2
6.3 8.7 7.1
3.5
10
3.8 4.0
4.4
6.0 5.0 6.0
4.7
10.3
7.5
12.0 11.7
10.0 10.0 10.8 11.0
15.7 14.5 15.5
17.4 18.2
0
15
Kualitas Aktiva
Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS)
1,200
180
Gross NPL
(%)
(Bank)
3Q ‘12
3Q ’13
YoY
(%)
Write Off
(Rp
miliar)
Konsumer
0.13
0.11
-0.02
2
Mikro
4.9
8.8
+3.9
243
Komersial
5.3
6.5
+1.2
113
KPR
2.6
3.2
+0.6
-
Total
1.7
2.5
+0.8
358
1,081
160
1,000
962
896
754
600
593
679
648
603
557
587
575
516
508
621
100
534
80
480
Gross NPL
441
403 406
400
324 334
3.0
60
2.0
40
200
20
-
0
2.2
1.9
2.3
2.1
1.8
1.2
1.0
0.2
0.3
2.1
2.5
2.3
1.7
1.5
0.5
Net NPL
2.6
2.5
(%)
(Rp bn)
701 699
120
728
(%)
800
796786
140
0.5
0.7
1.2
0.8
0.4
1.4
0.6
0.5
0.5
0.7
0.6
0.2
-
16
0.6
Kredit Dalam Perhatian Khusus
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
1,800
4.5
100%
3
294
254
1,400
46
96
420
1,000
2.5
44
60
800
600
7
8
182
2.0
339
9971,011
1.5
70%
5
7
7
9
14
16
17
56
42
46
19
32
54
51
45
28
44
19
60%
50%
40%
61
62
42
30%
790
224
2
34
1.0
52
47
37
39
43
44
5
4
54
53
4
4
60
20%
524 570
159
138
147 195
-
15
190 113
3
200
516
9 438 365
7
400
3.0
Special Mention Contribution (%)
304 323
4
Mortgage
28
210
88
2
80%
3.5
1,200
2
Commercial
90%
4.0
Special Mention/Total Loans (%)
Absolute Special Mention Loans (Rp bn)
1,600
1
Micro
247 278
332 344
109 95
24 21 33 25 28 19 37 37 51 46 67 63 54
0.5
-
10%
7
0%
8
9
6
7
4
4
4
3
17
Non Performing Loans
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
1,200
100%
3.0
10
408
5
400
8
9
455
12
1.0
297
2
409
277
313 320
211
200
149
-
464
495
4
0
1
6
63
53
378
289
60%
78
79
79
78
7
9
9
51
49
36
39
4
3
10
73
65
64
40%
30%
20%
10%
-
42
50%
0%
31
24
0.5
201 186
114 137
98
78
62 58 75
20 19 22 24 24 23 22 22 27 29 30 29 31
59
34
484
196
2
70%
NPL Contribution (%)
1.5
32
Net Performing Loan/Total Loans (%)
Absolute Net Performing Loans (Rp bn)
467
10
600
454
48
11
2
80%
2.0
68
2
Mortgage
2.5
87
800
2
Commercial
90%
112
1,000
2
Micro
15
14
15
17
5
5
4
4
36
26
22
3
7
45
7
5
5
4
3
18
Analisa Imbal Hasil
Loans
69%
Others
1%
Placement to
Bank Indonesia
9%
Interbank
Placement
3%
Marketable
Securities
18%
Savings
Account
12.8%
Time Deposit
42.5%
Current
Account
28.6%
Bonds
3.8%
Interbank
Lending
12.3%
Asset Yield
3Q ‘12
3Q ’13
Placement to Bank
Indonesia
4.0
3.8
Interbank Placement
3.4
2.9
Securities
4.4
5.1
Loans Yield
18.7
16.7
Others
0.1
0.5
Cost of Fund
3Q ‘12
3Q ’13
Interbank Liabilities
3.7
4.5
Securities
11.7
11.4
Deposits From Customers
5.1
4.5
Current Account
2.2
2.3
Time Deposit
6.8
6.6
Savings Account
2.2
1.9
Loans received
0.1
-
19
Basis Nasabah
Strategi Funding Berhasil Baik
Basis Nasabah Mikro Tumbuh Cepat
Consumer
100%
90%
0
2
12
Micro
0
0
0
0
3
3
3
12
13
14
Commercial
3
0
2
1
2
1
3
1
3
15
15
15
16
18
Government
Mortgage
1
2
2
2
2
2
90%
19
20
21
21
80%
70%
60%
50%
86
84
84
83
82
82
82
80
79
77
76
75
74
Funding Proportion (%)
70%
Lending Proportion (%)
Retail
100%
3
2
80%
40%
Corporate
60%
86.0 85.7 85.1 85.6 85.3 83.7 85.0 84.4 84.1 84.3 84.5 84.3 86.6
50%
40%
30%
30%
20%
20%
10%
10%
0%
0%
15.3 13.7 14.4 14.7 14.5 14.4 14.8
12.8 13.1 13.4 13.3 13.7
12.6
1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8
20
Kecukupan Modal
Aktiva
Tertimbang
Menurut Risiko
(ATMR)
3Q ‘12
Total ATMR
25,197
Risiko Kredit
19,271
24,336
26.3
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
735
1,004
36.6
ATMR/Total Aktiva
38.7%
44.1%
+5.4
tier-1
4,726
5,209
10.2
tier -2
(81)
(17)
-78.4
Total Modal
4,645
5,192
11.8
Tier-1 KPMM
18.8%
16.5%
-2.3
Total KPMM
18.4%
16.4%
-2.0
3Q ’13
31,594
YoY (%)
25.4
•
Total CAR 16.4% (-200bps YoY/ + 8bps QoQ)
•
Total Modal Inti Rp5.2tr setelah dikurangi
cadangan pembagian dividen (Kategori Bank
BUKU 3).
Penambahan
Dampak
ATMR/
Terhadap
Rp1tr
KPMM
Ekspansi
(%)
Neto
Analisa KPMM
Bobot
Risiko
Kredit Konsumer
50%
Rp.500bn
0.26
Kredit Mikro
75%
Rp.750bn
0.38
Kredit Komersial
100%
Rp.1tr
0.50
Kredit KPR
40%
Rp.400bn
0.21
21
Detail Kredit Mikro
22
Performa Kredit Mikro
Pertumbuhan
Kualitas
• Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ)
• Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ
• Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ)
•
•
•
•
NPL 8.8% (+393bps YoY/ +196bps QoQ)
Nilai NPL Rp 484 miliar (+Rp 283bn YoY/ +Rp 106bn QoQ)
Kredit Dalam Perhatian Khusus 18.4% (+567bps YoY/ +32bps QoQ)
Nilai kredit Dalam Perhatian Khusus Rp 1.0 triliun
(+Rp 487bn YoY/ +Rp 14bn QoQ)
23
Kredit Mikro
Total Micro Loans
NPL
6.0
12.0
5.5 5.5
5.0
8.8
4.5
6.9
5.7
3.1
4.9
2.7
2.4
2.0
-
3.7 3.8
4.1
4.0
3.0
2.4
1.0
2.5
3.6
2.0
3.0
6.0
(%)
(Rp tr)
3.6
5.1
2.9 3.0
3Q ’13
YoY
(%)
Outstanding
4,117
5,493
33.4
Ekspansi Neto
(Rp miliar)
1,142
948
-17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53
57
7.5
Jumlah Debitur
78,348
96,049
22.6
8.0
4.1
3.0
3Q ‘12
10.0
5.1
4.0
Indikator Utama
Tingkat Suku
Bunga*
11.0% - 27.5% eff. p.a.
2.6
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
12.7
18.4
+5.7
NPL
4.9
8.8
+3.9
0.0
*Kredit Mikro Utama
24
Kredit Mikro Utama
Kredit Mikro Utama (LHS)
NPL (RHS)
12.0
4.0
3.5
3.6 3.6
2.3
5.3
4.9
1.5
Outstanding
2,337
3,560
52.3
Ekspansi Neto
(Rp miliar)
1,134
811
-28.5
Rata-rata
Outstanding Per
Debitur
(Rp juta)
40
48
20.7
Jumlah Debitur
58,478
73,801
26.2
1.9
4.2
3.9
3.8 3.7
1.4
1.0
6.0
(%)
(Rp tr)
6.7
5.4
YoY
(%)
8.0
2.7
2.0
3Q ’13
10.0
2.5
5.9
3Q ‘12
9.2
3.2
3.0
Indikator Utama
4.0
Tingkat Suku Bunga
1.2 1.2
2.5
1.0 1.0 1.0 1.1
2.3 2.3
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
13.1
20.8
+7.7
NPL
3.8
9.2
+5.4
0.5
-
0.0
23.0% - 27.5% eff. p.a.
25
Program Pemerintah
Government Program (LHS)
NPL (RHS)
1.4
12.0
10.2
1.3 1.2
1.2
1.2
1.1
1.0
1.1 1.1
1.1 1.1
8.4
8.4
7.3
5.5
5.9
6.0
(%)
(Rp tr)
6.0
3Q ’13
YoY
(%)
Outstanding
1,118
1,245
11.4
Ekspansi Neto
(Rp miliar)
(26)
89
442.3
Rata-rata
Outstanding Per
Debitur
(Rp juta)
75
70
-6.7
Jumlah Debitur
14,941
17,794
19.1
8.0
0.9
0.8
3Q ‘12
10.0
1.2
1.0
Indikator Utama
0.7
0.6
4.0
3.1
0.4
Tingkat Suku
Bunga*
2.7
0.3
1.3
0.2
0.0
-
8.3% -14.0% eff. p.a
2.0
0.4
-
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
13.7
15.3
+1.6
NPL
8.4
10.2
+1.8
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 14% eff. p.a.
26
Kredit Mikro Lainnya
Others Micro Loans(LHS)
NPL (RHS)
0.8
12.0
0.7
0.7 0.7
0.7
0.7 0.7 0.7
0.7
0.7
0.6
0.6
0.6
6.9
0.4
6.0
4.7 4.7
0.3
3.5
0.2
4.2
3.9
2.8 2.8
3Q ’13
YoY
(%)
Outstanding
662
688
4.0
Ekspansi Neto
(Rp miliar)
34
48
41.2
Rata-rata
Outstanding Per
Debitur (Rp juta)
134
155
15.7
Jumlah Debitur
4,929
4,454
-9.6
8.0
3.7 3.8
(%)
(Rp tr)
0.5
3Q ‘12
10.0
0.6 0.6
0.6
Indikator Utama
4.0
Tingkat Suku
Bunga*
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
9.7
11.4
+1.7
NPL
2.7
4.2
+1.5
3.1
10.5% - 18.04% eff. p.a.
2.7 2.7
0.1
-
-
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR,
KMK Program Kridamas
27
Kredit Mikro Dalam Perhatian Khusus
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
Special Mention Loans (RHS)
KMU
1,200
20
18.1
18.4
13
90%
8
13
14
9
11
6
6
12
10
12.7 12.5
800
93
79
16
21
190
14
200
52
12
10.8
10
8.5
58
64
7.1
400
140
5.8
5.3
153
20
4.0
22
200
15
3
91
8
6
81
18
31
8
27
64
31
142
704
22
195
138 169
98 105 129
6
70%
8
9
33
39
43
37
20
19
25
29
39
60%
50%
84
40%
86
71
59
30%
567
128
96 110
742
(%)
172
9.5
9.4
600
22
80%
Special Mention Contribution (%)
15.6
7
6
3
1,000
Absolute Special Mention Loans (Rp bn)
Others
100%
18
-
Govt Programs
4
20%
2
10%
0
0%
67
56
54
52
49
65
72
51
372
307
28
73
Non Performing Loans Kredit Mikro
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
NPL (RHS)
KMU
600
Govt Programs
Others
100%
10
9
8.8
30
500
6.9
7
70%
5.7 33
5.1
6
4.9
300
5
105
4.1 30
3.7 3.8
3.6
3.0
3.0
18
2.6
2.4
46
24
94
3
17
68
241
18
44
19
0
39
23
3
50
27
13
35
58
69
20
31
62
28
31
89 101
27
9
6
17
25
31
26
28
37
-
4
30
47
14
23
49
40
54
40%
70
30%
67
64
66
44
59
2
10
50%
54
68
59
20%
46
171
67
30
60%
328
22
100
-
4
88
33
0
127
(%)
Absolute NPL (Rp bn)
400
8
80%
NPL Contribution (%)
29
200
19
90%
9
9
1
10%
0
0%
34
35
27
47
29
Proses Bisnis
•Credit Analyst
•Officer
•Branch/Sub
Branch
Manager
• Marketing
Staff
•Customer
Sales
Marketing
•Pick up Staff
•Supervisi Staff
Processing
Collecting
Posisi
Marketing
Customer
Sales
Credit
Analyst
Officer
Branch/Sub
Branch
Manager
Pick-up
Supervisi
Kredit
2Q ‘13
2,125
97
434
36
352
464
248
3Q ‘13
2,176
165
454
43
365
604
320
30
Kinerja Bisnis Syariah
3Q13 bank bjb Syariah
31
Ringkasan Kinerja
Laba Rugi
Neraca
Rasio
(bank bjb
syariah)
• Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY)
• Biaya Operasional Rp 175.3 miliar (+30.6% YoY)
• Laba Bersih Rp 21.5 miliar (+99.5% YoY)
• Total Pembiayaan Rp 3.7 triliun (+52.2% YoY)
• Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY)
• Total Aset Rp 4.6 triliun (+43.3% YoY)
•
•
•
•
NIM 6.5% (-72bps YoY)
ROA 0.9% (+24bps YoY)
ROE 4.7% (+206bps YoY)
NPF Gross 4.0% (-83bps YoY)
32
Rasio Penting
Rasio Penting (%)
3Q ‘12
3Q ’13
YoY
CAR
25.4%
17.9%
-7.5
NPF Gross
4.8%
4.0%
-0.8
NPF Nett
3.4%
1.1%
-2.3
ROA
0.7%
0.9%
+0.2
ROE
2.7%
4.7%
+2.0
NIM
7.2%
6.5%
-0.7
Expense Ratio (BoPo)
90.5%
85.0%
-5.5
FDR
103.5%
104.3%
+0.8
33
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Pendapatan Marjin
248,142
374,166
50.8
Biaya Marjin
(102,796)
(173,693)
69.0
Marjin Bersih
145,346
200,473
37.9
Pendapatan Operasional Lainnya
3,050
5,871
92.5
Biaya Operasional
(134,245)
(175,315)
30.6
Pendapatan Operasional
14,151
31,029
119.3
Pendapatan Non Operasional (Biaya)
246
(372)
-251.2
Laba Sebelum Pajak
14,397
30,657
112.9
Beban Pajak
(3,599)
(9,114)
153.2
Laba Bersih
10,798
21,543
99.5
34
Neraca
Neraca Keuangan
(Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Kas atau Setara Kas
19,681
27,292
38.7
Giro Pada Bank Indonesia
117,016
160,940
37.5
Cadangan Sekunder
608,704
593,264
-2.5
Pembiayaan – Net
2,390,849
3,579,668
49.7
Aktiva Tetap – Net
16,153
156,582
869.4
Aktiva Lainnya
51,435
74,168
44.2
Total Aktiva
3,203,838
4,591,914
43.3
DPK
2,238,873
3,068,450
37.1
Surat Berharga Diterbitkan
115,000
315,000
173.9
Pinjaman Diterima
168,653
520,066
208.4
Lainnya
52,892
67,413
27.5
Total Kewajiban
2,575,418
3,970,929
54.2
Total Ekuitas
628,420
620,985
-1.2
35
Kinerja Syariah
Total Financing
Total Funding
4.0
3.6
3.5
3.5 3.7
3.4
3.4
3.0
3.1
3.0
2.5
2.3 2.4
2.2
(Rp tr)
2.2
1.8
1.5
1.61.3 1.6
1.4
1.1
0.0
3Q ’13
YoY
(%)
Murabahah – (Trading)
1,118,608
2,140,920
91.4
Ijarah
15,853
7,497
-52.7
Financing
912,290
1,381,162
51.4
Qardh – (Bridging)
395,205
190,345
-51.8
Isthisna – (Pawning)
5,874
5,779
-1.6
Total Pembiayaan
2,447,830
3,725,703
52.2
Funding
(Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Wadiah Current Account
Mudharabah Current
Account
Wadiah Savings Account
Mudharabah Savings
Account
76,465
104,007
36.0
-
-
-
68,616
93,006
35.5
260,992
348,784
33.6
Mudharabah Time Deposit
1,832,800
2,522,653
37.6
Total Funding
2,238,873
3,068,450
37.1
2.1
1.7
0.5
3Q ‘12
2.0
2.0
1.0
3.1
Pembiayaan
(Rp juta)
1.1
1.4 1.6
1.6
1.8
36
Profil Perusahaan
bank bjb
37
Kepemilikan
West Java Provincial Government
Struktur Kepemilikan
3Q12
3Q13
Pendiri (Seri A)
75.00
75.00
Pemerintah Provinsi Jawa Barat
38,26
38,26
Pemerintah Kota/Kabupaten seJawa Barat
23,61
23,61
Pemerintah Provinsi Banten
5,37
5,37
Pemerintah Kota/Kabupaten seBanten
7,76
7,76
Seri B (Publik)
25,00
25,00
Lokal Perorangan
6,14
3,97
Lokal Institusi
12,40
6,62
Perorangan Asing
0,03
0,01
Institusi Asing
6,44
14,4
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
25
38.26
7.76
23.61
5.37
38
Road Map
A Strong Sustainable Growth and Profitable National Bank
2011-2012
2013-2014
2015
Building/Establishment
New Infrastructures
Leading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
Strategy
Developing HR
Competence, IT
Infrastructure,
and organization for :
o Micro & SME
Financing
o Consumer &
Commercial Banking
o Treasury &
International
Strategy
Matching the 10 Biggest
Banks in areas :
o HR competence/ IT
o Services
o Bank bjb `incorporated`
Strategy
Leading in Service and
Performance National Bank
39
Jaringan Kantor
Total bjb
employees
Others
Deposits 1.8 Tr
Loans 1.8 Tr
Micro Loans 274.8 bn
Profit 20.1 bn
46,955 Customers
13 Branch Offices
12 Sub Branch
Offices
3 Cash Offices
66 ATM Unit
12 Waroeng bjb
346 Employees
6,068
Total bjb
customers
2,805,046
Jakarta
Deposits 5.9 Tr
Loans 4.3 Tr
Micro Loans 150.9 bn
Loss 28.9 bn
58,346 Customers
9 Branch Offices
62 Sub Branches
7 Cash Offices
1 Payment Point
103 ATM Unit
27 Waroeng bjb
525 Employees
West Java
Banten
Deposits 10.1 Tr
Loans 6.1 Tr
Micro Loans 644.2 bn
Profit 423.5 bn
480,317 Customers
8 Branch Offices
42 Sub Branches
26 Cash Offices
12 Payment Point
176 ATM Unit
61 Waroeng bjb
573 Employees
Deposits 35.6 Tr
Loans 31.6 Tr
Micro Loans 4.4 Tr
Profit West Java 2.3 bn,
Loss Head Oficce 1.3Tr
2,219,428 Customers
32 Branch Offices
188 Sub Branch
116 Cash Offices
93 Payment Point
707 ATM Unit
337 Waroeng bjb
4,615 Employees
40
Detail Jaringan Layanan
No
bjb Network
3Q ‘12
3Q ’13
YoY
1
Cabang
56
62
6
2
Kantor Cabang Pembantu
215
304
89
3
Kantor Kas
114
152
38
4
Payment Point
97
106
9
5
ATM
674
1,052
378
6
Waroeng bjb (A,B & C)
437
562
125
7
Layanan bjb Precious
11
11
-
8
MSME Center
6
6
-
9
Mobile Cash
7
11
4
10
Weekend Banking
11
12
1
11
Cabang Devisa
25
47
22
Total
1,653
2,325
672
41
Sumber Daya Manusia
Posisi
3Q’12
3Q‘13
YoY
Dewan Komisaris
5
5
-
Direksi
4
4
-
Manajemen Puncak
29
34
5
Manajemen Madya
196
209
13
Manajemen Lini Pertama
1,067
1,336
269
Staf
1,951
4,478
2,527
MPP
8
2
-6
Total Permanen
3,260
6,068
2,808
Berdasarkan Pendidikan
Up to High School
Masters and Doctorate
Up to
Bachelor
Degree
95.3%
Masters
and
Doctorate
4.2%
Up to High
School
0.5%
Berdasarkan Umur
18 - 30
Mikro
2,313
3,189
876
Lain - lain
5,477
2,200
-3,277
Total Non Permanen
7,790
5,389
-2,401
Total
11,457
407
31 - 40
41 - 50
> 50
31 - 40
12.8%
41 - 50
7.4%
18 - 30
78.8%
11,050
Up to Bachelor Degree
> 50
1.0%
42
Penghargaan Tahun 2012
Infobank Awards 2012
Indonesia Trusted Company
The Indonesian Institute for
Corporate Governance
Jamsostek Award:
Regional Strategic Partner 2012
Mark Plus Conference:
Indonesia Marketing
Champion 2012
Call Center Award for 2012
Annual Report Award 2012
SINDO People of The Year 2012
“CEO of The Year”
The 4th IICD Corporate Governance
Conferences & Award: Best
Corporate Governance for Newly
Listed
43
Penghargaan Tahun 2013
Infobank Awards – Kinerja Keuangan
“Sangat Bagus” 2003 - 2012
Indonesia Banking Awards –
Best Performance Banking 2013 untuk Bank
Kategori BUKU 3
44
Performa Harga Saham
Volume (RHS)
1400
Price (LHS)
Investor Relations Group
Menara bank bjb
7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
ir@bankbjb.co.id
120
1300
100
1200
80
Contact Person:
60
Irwan Riswandi
Manager
iriswandi@bankbjb.co.id
1000
40
Ari Budiman
Officer
abudiman@bankbjb.co.id
20
Anjas Septa Lesmana
Officer
aslesmana@bankbjb.co.id
900
800
700
600
Million Shares
Rp/share
1100
0
Simon Sihol Panggabean
Staff
spanggabean@bankbjb.co.id
Source: Bloomberg
45
Menara bank bjb
Jl. Naripan 12 – 14
7th Floor
Bandung 40111
Telp. +6222 4234868
bank bjb
3Q13 Analyst Meeting
Daftar Isi
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 15
Detail Dana Pihak Ketiga
Pg. 16
Kualitas Aktiva
Pg. 19
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 37
Profil Perusahaan
2
Ekonomi Makro
BI Rate Meningkat 150 bps ke 7.25%
GDP Growth
Tren Penurunan Indeks Kepercayaan Konsumen
BI Rate
Consumer Confidence Index
12
Index (points)
10
6
4
2
0
Source: Bloomberg
Source: Bloomberg
Pengaruh Global Terhadap Pelemahan Pasar
Obligasi dan Rupiah
Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi
CPI
USDIDR
1mth JIBOR
(%)
15
10
5
0
Source: Bloomberg
USD IDR
20
10Yr Govt Bond
25
13000
12000
11000
10000
9000
8000
7000
6000
20
15
10
5
0
Source: Bloomberg
3
Yield (%)
(%)
8
130
120
110
100
90
80
70
60
Sektor Perbankan
40.0
Loans Growth
Deposit Growth
YoY Growth (%)
35.0
Pada
bulan
Juli‘13,
data
sektor
perbankan
menunjukkan :
30.0
25.0
• Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi
20.0
+33.5% YoY, Kredit Modal Kerja +18.7%, Kredit
15.0
Konsumsi +20.0%)
10.0
• DPK +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY,
5.0
Deposito Berjangka +7% YoY, CASA Rasio 56%)
-
• NPL -32bps YoY to 1.87%
• ROA -13bps YoY to 3.0%
Source: Bank Indonesia
Investment Loans
WC Loans
Jul ‘12
Jul ‘13
YoY (%)
Total Loans
2,478
3,046
22.9
Total
Deposit
2,961
3,393
14.6
LDR
83.6
89.7
+6.1
NPL
2.19
1.87
-0.32
ROA
3.13
3.0
-0.13
Consumer Loans
60.0
YoY Growth (%)
50.0
40.0
30.0
20.0
10.0
-
Source: Bank Indonesia
4
Ringkasan Kinerja
Laba Rugi
•
•
•
•
Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ)
Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ)
CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ)
Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ)
Neraca
•
•
•
•
Total Kredit Rp 44.1 triliun (+34.4% YoY/ +5.3% QoQ)
Total Pembiayaan Syariah Rp 3.7 triliun (+52.2% YoY/ +9.9% QoQ)
Total DPK Rp 56.6 triliun (+7.3% YoY/ +2.7% QoQ)
Total Aset Rp 75.9 triliun (+12.0% YoY/ +3.3% QoQ)
Rasio
Keuangan
(bank)
•
•
•
•
NIM 8.0% (+93bps YoY/ -11bps QoQ)
ROA (Net) 2.2% (+2bps YoY/ -7bps QoQ)
ROE (Net) 23.5% (+38bps YoY/ -82bps QoQ)
NPL (Gross) 2.5% (+77bps YoY/ +16bps QoQ)
5
Target vs. Realisasi
(%)
Target
1Q13
2Q13
3Q13
Pertumbuhan Kredit
25% - 28%
36.0
33.7
34.3
Pertumbuhan DPK
18% - 22%
-5.1
10.6
7.3
ROA (net)
1.8% - 2.0%
2.4
2.2
2.2
ROE (net)
20% - 22%
24.2
24.3
23.5
NIM
6.8% - 7.2%
8.2
8.2
8.0
Cost of Fund
5.0% - 5.5%
4.6
4.6
4.8
Cost to Income Ratio
51% - 54%
55.0
54.7
55.6
Gross NPL
1.5% - 2.0%
2.1
2.3
2.5
Credit Cost
1.0% - 1.4%
1.2
1.3
1.2
Rasio CASA
40% - 45%
50.0
48.5
49.3
6
Rasio Keuangan (bank)
Rasio Penting
3Q12
4Q12
1Q13
2Q13
3Q13
ROA (net)
2.1
1.9
2.4
2.2
2.2
ROE (net)
23.1
21.3
24.2
24.3
23.5
Cost to Income Ratio
52.3
56.5
55.0
54.7
55.6
Expense Ratio
76.8
80.0
74.4
75.9
77.0
Asset Yield
12.5
12.0
12.8
12.7
12.8
Cost of Fund
5.3
5.2
4.6
4.6
4.8
NIM
7.1
6.8
8.2
8.2
8.0
LDR
65.0
74.1
83.2
80.8
82.2
Dalam Perhatian Khusus
3.6
3.0
3.9
3.9
3.8
Gross NPL
1.7
2.1
2.1
2.3
2.5
Net NPL
0.5
0.5
0.7
0.6
0.6
Coverage Ratio
116.4
82.9
78.1
81.8
82.9
CKPN/Total Kredit
2.0
1.7
1.6
1.9
2.0
Credit Cost
1.0
1.2
1.2
1.3
1.2
18.4
18.1
17.2
16.4
16.4
Profitabilitas
Rasio Biaya
Imbal Hasil
Kualitas Aset
Permodalan
CAR
7
Laporan Laba Rugi
Laporan Laba Rugi
(Rp miliar)
3Q12
3Q13
YoY
(%)
2Q13
3Q13
QoQ
(%)
Pendapatan Bunga
5,092
5,995
17.7%
2,042
2,064
1.1%
Beban Bunga
(2,293)
(2,421)
5.6%
(801)
(885)
10.5%
Pendapatan Bunga
Bersih
2,799
3,574
27.7%
1,241
1,179
-5.0%
Fee Based Income
177
209
18.1%
78
67
-13.1%
Beban Operasional
(1,522)
(2,072)
36.1%
(717)
(700)
-2.3%
Laba (Rugi) dalam
Instrumen Keuangan
11
38
259.6%
10
29
201.1%
PPOP
1,464
1,749
19.5%
611
575
-6.0%
Beban CKPN
(269)
(373)
38.6%
(138)
(141)
2.6%
Pendapatan Non
Operasional
-
7
-
1
6
-
Laba Sebelum Pajak
1,194
1,382
15.8%
474
440
-7.2%
Beban Pajak
(249)
(286)
15.1%
(99)
(91)
-7.8%
Laba Bersih
946
1,096
15.9%
376
349
-7.1%
8
Neraca
Ringkasan Neraca
(Rp miliar)
3Q12
4Q12
1Q13
2Q13
3Q13
YoY
(%)
Kas atau Setara Kas
1,380
1,795
1,570
1,684
1,768
28.1%
Giro Pada Bank
Indonesia
4,279
4,666
3,659
4,127
4,249
-0.7%
Cadangan Sekunder
25,047
24,075
19,887
19,926
19,740
-21.2%
Kredit – net
32,142
34,769
37,198
41,046
43,154
34.3%
Pembiayaan Syariah –
net
2,391
2,880
2,965
3,295
3,626
51.7%
Aktiva Tetap - Net
520
735
1,002
1,010
1,006
93.5%
Aktiva Lain-lain
1,949
1,921
2,126
2,333
2,316
18.8%
Total Aktiva
67,708
70,841
68,407
73,421
75,860
12.0%
Total DPK
52,724
50,608
48,638
55,060
56,560
7.3%
Surat Berharga Yang
Diterbitkan
2,395
2,395
2,395
2,396
2,396
0.1%
Pinjaman Diterima
5,581
8,980
9,036
8,167
8,668
55.3%
Lainnya
1,266
2,849
2,625
1,711
1,792
41.5%
Total Kewajiban
61,966
64,832
62,694
67,334
69,417
12.0%
Total Ekuitas
5,742
6,009
5,713
6,087
6,443
12.2%
9
Detail Kredit (bank)
Consumer
Micro
Commercial
Mortgage
50
45
3.5
Segmen
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
Konsumer
21,842
27,872
27.6
Mikro
4,117
5,493
33.4
Komersial
5,617
6,995
24.5
KPR
1,215
3,506
188.7
Total Kredit
Gross
32,790
43,866
33.8
2.9
40
1.7
35
30
(Rp tr)
0.2 0.5
5.3
0.1
20
15
5.8
6.3
0.7
7.0
6.5
1.2
0.9
25
2.3
5.5
5.6
5.5
5.1
4.3
4.5
0.1
4.1
4.6 4.4
0.1
3.6
4.2
0.1
3.7
3.0 3.1
3.7
2.7 2.9
3.5
2.5
2.4
2.0
10
15.4 16.0
18.5 19.2
16.7 18.0
19.7
21.4 21.8 22.6
24.5
26.7 27.9
Mata Uang
(Rp miliar)
3Q ‘12
3Q ’13
YoY
Rupiah
32,509
43,623
34.2
Valas
281
243
-13.5
5
0
10
Kredit Konsumer
Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS)
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
21,842
27,872
27.6
Ekspansi Neto
(Rp miliar)
2,673
5,246
96.2
Rata-rata
Outstanding Per
Debitur
(Rp juta)
62
81
30.6
Jumlah Debitur
350,347
342,716
-2.2
1.0
30
1.46 1.74 0.9
1.11
25
0.63
0.8
0.80
0.60
20
15
0.43
0.44
0.7
0.56
0.6
0.45
0.5
25.3 26.1
10
16.3
14.9215.5
17.5
19.2
18.0 18.6
20.8
21.2 21.8
23.4
0.4
(%)
(Rp tr)
0.47
0.50
0.54
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
0.3
0.2
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
0.1
Dalam Perhatian
Khusus
0.23
0.19
-0.04
NPL
0.13
0.11
-0.02
5
0
0.0
11
Kredit Mikro
KMU (LHS)
Govt Program (LHS)
KCR (LHS)
NPL (RHS)
10.0
6.0
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
4,117
5,493
33.4
Ekspansi Neto
(Rp miliar)
1,142
948
-17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53
57
7.5
Jumlah Debitur
78,348
96,049
22.6
9.0
0.7 0.7
5.0
0.6
0.6
8.0
1.3 1.2 7.0
4.0
1.2
0.7
1.2
0.6
3.0
0.7 0.6
0.6
1.1
0.7
0.7
2.0
4.0
0.7
0.7
0.3
5.0
1.1
0.7 0.9
1.0
1.1 1.1
1.1
3.2
2.7
2.3
1.0
(%)
(Rp tr)
6.0
Tingkat Suku
Bunga*
11.0% - 27.5% eff. p.a.
3.6 3.6 3.0
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
12.7
18.4
+5.7
NPL
4.9
8.8
+3.9
1.9
1.4
1.1 1.2 1.2
1.0 1.0
1.0
1.0
-
0.0
*Kredit Mikro Utama
12
Kredit Komersial
Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
8.0
15.0
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
5,617
6,995
24.5
Ekspansi Neto
(Rp miliar)
1,215
658
-45.8
Rata-rata
Outstanding Per
Debitur
(Rp juta)
483
707
46.4
Jumlah Debitur
11,633
9,892
-15.0
14.0
7.0
13.0
1.0
0.8
0.7
5.0
1.0
0.8
(Rp tr)
0.6
0.6
4.0
0.6
0.6
0.5 0.5 0.6
0.5
3.0
0.5
0.6
11.0
1.3
1.3
1.2
8.0
0.8
7.0
0.6
0.6
6.0
0.6 0.6
5.0
3.9
2.5 2.6 2.6
10.0
9.0
0.5
2.0
1.0
0.9
0.8
3.0
3.3 3.2
3.0
4.3
4.8
4.5
3.9
4.3
Tingkat Suku
Bunga
6.3% -14.5% eff. p.a
4.0
3.0
2.0
1.0
-
(%)
6.0
12.0
-
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
9.2
4.6
-4.6
NPL
5.3
6.5
+1.2
13
Kredit Pemilikan Rumah (KPR)
Mortgage Loans (LHS)
NPL (RHS)
15.0
4,000
14.0
3,506
3,500
Indikator Utama
3Q ‘12
3Q ’13
YoY
(%)
Outstanding
1,215
3,506
188.7
Ekspansi Neto
(Rp miliar)
762
1,785
134.3
Rata-rata
Outstanding Per
Debitur (Rp juta)
241
279
15.8
Jumlah Debitur
5,040
12,585
149.7
13.0
12.0
2,916
3,000
11.0
10.0
(Rp bn)
2,500
2,287
9.0
8.0
2,000
1,721
6.0
1,500
1,215
941
1,000
663
453
500
78
-
7.0
91 108 140
195
5.0
Tingkat Suku
Bunga
7.3% - 13.7% eff. p.a.
4.0
3.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
Dalam Perhatian
Khusus
7.3
8.4
+1.1
NPL
2.6
3.2
+0.6
2.0
1.0
-
14
Detail DPK (bank)
Current Account
Savings Account
Time Deposit
60
Detail DPK
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
50
Giro
15,678
18,174
15.9
Tabungan
6,275
8,167
30.1
Deposito
28,531
27,049
-5.2
TOTAL
50,485
53,390
5.8
Rasio CASA (%)
43.5
49.3
+5.8
Mata Uang
(Rp miliar)
3Q ‘12
3Q ’13
YoY
(%)
Rupiah
50,277
53,113
5.6
Valas
208
277
33.2
40
26.6
(Rp tr)
28.5 24.3
32.4 30.0
27.0
22.6
30
23.5 20.0
19.2
19.1
20.9
18.9
20
7.6
8.2
6.3 8.7 7.1
3.5
10
3.8 4.0
4.4
6.0 5.0 6.0
4.7
10.3
7.5
12.0 11.7
10.0 10.0 10.8 11.0
15.7 14.5 15.5
17.4 18.2
0
15
Kualitas Aktiva
Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS)
1,200
180
Gross NPL
(%)
(Bank)
3Q ‘12
3Q ’13
YoY
(%)
Write Off
(Rp
miliar)
Konsumer
0.13
0.11
-0.02
2
Mikro
4.9
8.8
+3.9
243
Komersial
5.3
6.5
+1.2
113
KPR
2.6
3.2
+0.6
-
Total
1.7
2.5
+0.8
358
1,081
160
1,000
962
896
754
600
593
679
648
603
557
587
575
516
508
621
100
534
80
480
Gross NPL
441
403 406
400
324 334
3.0
60
2.0
40
200
20
-
0
2.2
1.9
2.3
2.1
1.8
1.2
1.0
0.2
0.3
2.1
2.5
2.3
1.7
1.5
0.5
Net NPL
2.6
2.5
(%)
(Rp bn)
701 699
120
728
(%)
800
796786
140
0.5
0.7
1.2
0.8
0.4
1.4
0.6
0.5
0.5
0.7
0.6
0.2
-
16
0.6
Kredit Dalam Perhatian Khusus
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
1,800
4.5
100%
3
294
254
1,400
46
96
420
1,000
2.5
44
60
800
600
7
8
182
2.0
339
9971,011
1.5
70%
5
7
7
9
14
16
17
56
42
46
19
32
54
51
45
28
44
19
60%
50%
40%
61
62
42
30%
790
224
2
34
1.0
52
47
37
39
43
44
5
4
54
53
4
4
60
20%
524 570
159
138
147 195
-
15
190 113
3
200
516
9 438 365
7
400
3.0
Special Mention Contribution (%)
304 323
4
Mortgage
28
210
88
2
80%
3.5
1,200
2
Commercial
90%
4.0
Special Mention/Total Loans (%)
Absolute Special Mention Loans (Rp bn)
1,600
1
Micro
247 278
332 344
109 95
24 21 33 25 28 19 37 37 51 46 67 63 54
0.5
-
10%
7
0%
8
9
6
7
4
4
4
3
17
Non Performing Loans
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
1,200
100%
3.0
10
408
5
400
8
9
455
12
1.0
297
2
409
277
313 320
211
200
149
-
464
495
4
0
1
6
63
53
378
289
60%
78
79
79
78
7
9
9
51
49
36
39
4
3
10
73
65
64
40%
30%
20%
10%
-
42
50%
0%
31
24
0.5
201 186
114 137
98
78
62 58 75
20 19 22 24 24 23 22 22 27 29 30 29 31
59
34
484
196
2
70%
NPL Contribution (%)
1.5
32
Net Performing Loan/Total Loans (%)
Absolute Net Performing Loans (Rp bn)
467
10
600
454
48
11
2
80%
2.0
68
2
Mortgage
2.5
87
800
2
Commercial
90%
112
1,000
2
Micro
15
14
15
17
5
5
4
4
36
26
22
3
7
45
7
5
5
4
3
18
Analisa Imbal Hasil
Loans
69%
Others
1%
Placement to
Bank Indonesia
9%
Interbank
Placement
3%
Marketable
Securities
18%
Savings
Account
12.8%
Time Deposit
42.5%
Current
Account
28.6%
Bonds
3.8%
Interbank
Lending
12.3%
Asset Yield
3Q ‘12
3Q ’13
Placement to Bank
Indonesia
4.0
3.8
Interbank Placement
3.4
2.9
Securities
4.4
5.1
Loans Yield
18.7
16.7
Others
0.1
0.5
Cost of Fund
3Q ‘12
3Q ’13
Interbank Liabilities
3.7
4.5
Securities
11.7
11.4
Deposits From Customers
5.1
4.5
Current Account
2.2
2.3
Time Deposit
6.8
6.6
Savings Account
2.2
1.9
Loans received
0.1
-
19
Basis Nasabah
Strategi Funding Berhasil Baik
Basis Nasabah Mikro Tumbuh Cepat
Consumer
100%
90%
0
2
12
Micro
0
0
0
0
3
3
3
12
13
14
Commercial
3
0
2
1
2
1
3
1
3
15
15
15
16
18
Government
Mortgage
1
2
2
2
2
2
90%
19
20
21
21
80%
70%
60%
50%
86
84
84
83
82
82
82
80
79
77
76
75
74
Funding Proportion (%)
70%
Lending Proportion (%)
Retail
100%
3
2
80%
40%
Corporate
60%
86.0 85.7 85.1 85.6 85.3 83.7 85.0 84.4 84.1 84.3 84.5 84.3 86.6
50%
40%
30%
30%
20%
20%
10%
10%
0%
0%
15.3 13.7 14.4 14.7 14.5 14.4 14.8
12.8 13.1 13.4 13.3 13.7
12.6
1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8
20
Kecukupan Modal
Aktiva
Tertimbang
Menurut Risiko
(ATMR)
3Q ‘12
Total ATMR
25,197
Risiko Kredit
19,271
24,336
26.3
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
735
1,004
36.6
ATMR/Total Aktiva
38.7%
44.1%
+5.4
tier-1
4,726
5,209
10.2
tier -2
(81)
(17)
-78.4
Total Modal
4,645
5,192
11.8
Tier-1 KPMM
18.8%
16.5%
-2.3
Total KPMM
18.4%
16.4%
-2.0
3Q ’13
31,594
YoY (%)
25.4
•
Total CAR 16.4% (-200bps YoY/ + 8bps QoQ)
•
Total Modal Inti Rp5.2tr setelah dikurangi
cadangan pembagian dividen (Kategori Bank
BUKU 3).
Penambahan
Dampak
ATMR/
Terhadap
Rp1tr
KPMM
Ekspansi
(%)
Neto
Analisa KPMM
Bobot
Risiko
Kredit Konsumer
50%
Rp.500bn
0.26
Kredit Mikro
75%
Rp.750bn
0.38
Kredit Komersial
100%
Rp.1tr
0.50
Kredit KPR
40%
Rp.400bn
0.21
21
Detail Kredit Mikro
22
Performa Kredit Mikro
Pertumbuhan
Kualitas
• Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ)
• Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ
• Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ)
•
•
•
•
NPL 8.8% (+393bps YoY/ +196bps QoQ)
Nilai NPL Rp 484 miliar (+Rp 283bn YoY/ +Rp 106bn QoQ)
Kredit Dalam Perhatian Khusus 18.4% (+567bps YoY/ +32bps QoQ)
Nilai kredit Dalam Perhatian Khusus Rp 1.0 triliun
(+Rp 487bn YoY/ +Rp 14bn QoQ)
23
Kredit Mikro
Total Micro Loans
NPL
6.0
12.0
5.5 5.5
5.0
8.8
4.5
6.9
5.7
3.1
4.9
2.7
2.4
2.0
-
3.7 3.8
4.1
4.0
3.0
2.4
1.0
2.5
3.6
2.0
3.0
6.0
(%)
(Rp tr)
3.6
5.1
2.9 3.0
3Q ’13
YoY
(%)
Outstanding
4,117
5,493
33.4
Ekspansi Neto
(Rp miliar)
1,142
948
-17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53
57
7.5
Jumlah Debitur
78,348
96,049
22.6
8.0
4.1
3.0
3Q ‘12
10.0
5.1
4.0
Indikator Utama
Tingkat Suku
Bunga*
11.0% - 27.5% eff. p.a.
2.6
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
12.7
18.4
+5.7
NPL
4.9
8.8
+3.9
0.0
*Kredit Mikro Utama
24
Kredit Mikro Utama
Kredit Mikro Utama (LHS)
NPL (RHS)
12.0
4.0
3.5
3.6 3.6
2.3
5.3
4.9
1.5
Outstanding
2,337
3,560
52.3
Ekspansi Neto
(Rp miliar)
1,134
811
-28.5
Rata-rata
Outstanding Per
Debitur
(Rp juta)
40
48
20.7
Jumlah Debitur
58,478
73,801
26.2
1.9
4.2
3.9
3.8 3.7
1.4
1.0
6.0
(%)
(Rp tr)
6.7
5.4
YoY
(%)
8.0
2.7
2.0
3Q ’13
10.0
2.5
5.9
3Q ‘12
9.2
3.2
3.0
Indikator Utama
4.0
Tingkat Suku Bunga
1.2 1.2
2.5
1.0 1.0 1.0 1.1
2.3 2.3
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
13.1
20.8
+7.7
NPL
3.8
9.2
+5.4
0.5
-
0.0
23.0% - 27.5% eff. p.a.
25
Program Pemerintah
Government Program (LHS)
NPL (RHS)
1.4
12.0
10.2
1.3 1.2
1.2
1.2
1.1
1.0
1.1 1.1
1.1 1.1
8.4
8.4
7.3
5.5
5.9
6.0
(%)
(Rp tr)
6.0
3Q ’13
YoY
(%)
Outstanding
1,118
1,245
11.4
Ekspansi Neto
(Rp miliar)
(26)
89
442.3
Rata-rata
Outstanding Per
Debitur
(Rp juta)
75
70
-6.7
Jumlah Debitur
14,941
17,794
19.1
8.0
0.9
0.8
3Q ‘12
10.0
1.2
1.0
Indikator Utama
0.7
0.6
4.0
3.1
0.4
Tingkat Suku
Bunga*
2.7
0.3
1.3
0.2
0.0
-
8.3% -14.0% eff. p.a
2.0
0.4
-
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
13.7
15.3
+1.6
NPL
8.4
10.2
+1.8
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 14% eff. p.a.
26
Kredit Mikro Lainnya
Others Micro Loans(LHS)
NPL (RHS)
0.8
12.0
0.7
0.7 0.7
0.7
0.7 0.7 0.7
0.7
0.7
0.6
0.6
0.6
6.9
0.4
6.0
4.7 4.7
0.3
3.5
0.2
4.2
3.9
2.8 2.8
3Q ’13
YoY
(%)
Outstanding
662
688
4.0
Ekspansi Neto
(Rp miliar)
34
48
41.2
Rata-rata
Outstanding Per
Debitur (Rp juta)
134
155
15.7
Jumlah Debitur
4,929
4,454
-9.6
8.0
3.7 3.8
(%)
(Rp tr)
0.5
3Q ‘12
10.0
0.6 0.6
0.6
Indikator Utama
4.0
Tingkat Suku
Bunga*
2.0
Kualitas Kredit
3Q ‘12
3Q ’13
YoY
(%)
Dalam Perhatian
Khusus
9.7
11.4
+1.7
NPL
2.7
4.2
+1.5
3.1
10.5% - 18.04% eff. p.a.
2.7 2.7
0.1
-
-
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR,
KMK Program Kridamas
27
Kredit Mikro Dalam Perhatian Khusus
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
Special Mention Loans (RHS)
KMU
1,200
20
18.1
18.4
13
90%
8
13
14
9
11
6
6
12
10
12.7 12.5
800
93
79
16
21
190
14
200
52
12
10.8
10
8.5
58
64
7.1
400
140
5.8
5.3
153
20
4.0
22
200
15
3
91
8
6
81
18
31
8
27
64
31
142
704
22
195
138 169
98 105 129
6
70%
8
9
33
39
43
37
20
19
25
29
39
60%
50%
84
40%
86
71
59
30%
567
128
96 110
742
(%)
172
9.5
9.4
600
22
80%
Special Mention Contribution (%)
15.6
7
6
3
1,000
Absolute Special Mention Loans (Rp bn)
Others
100%
18
-
Govt Programs
4
20%
2
10%
0
0%
67
56
54
52
49
65
72
51
372
307
28
73
Non Performing Loans Kredit Mikro
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
NPL (RHS)
KMU
600
Govt Programs
Others
100%
10
9
8.8
30
500
6.9
7
70%
5.7 33
5.1
6
4.9
300
5
105
4.1 30
3.7 3.8
3.6
3.0
3.0
18
2.6
2.4
46
24
94
3
17
68
241
18
44
19
0
39
23
3
50
27
13
35
58
69
20
31
62
28
31
89 101
27
9
6
17
25
31
26
28
37
-
4
30
47
14
23
49
40
54
40%
70
30%
67
64
66
44
59
2
10
50%
54
68
59
20%
46
171
67
30
60%
328
22
100
-
4
88
33
0
127
(%)
Absolute NPL (Rp bn)
400
8
80%
NPL Contribution (%)
29
200
19
90%
9
9
1
10%
0
0%
34
35
27
47
29
Proses Bisnis
•Credit Analyst
•Officer
•Branch/Sub
Branch
Manager
• Marketing
Staff
•Customer
Sales
Marketing
•Pick up Staff
•Supervisi Staff
Processing
Collecting
Posisi
Marketing
Customer
Sales
Credit
Analyst
Officer
Branch/Sub
Branch
Manager
Pick-up
Supervisi
Kredit
2Q ‘13
2,125
97
434
36
352
464
248
3Q ‘13
2,176
165
454
43
365
604
320
30
Kinerja Bisnis Syariah
3Q13 bank bjb Syariah
31
Ringkasan Kinerja
Laba Rugi
Neraca
Rasio
(bank bjb
syariah)
• Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY)
• Biaya Operasional Rp 175.3 miliar (+30.6% YoY)
• Laba Bersih Rp 21.5 miliar (+99.5% YoY)
• Total Pembiayaan Rp 3.7 triliun (+52.2% YoY)
• Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY)
• Total Aset Rp 4.6 triliun (+43.3% YoY)
•
•
•
•
NIM 6.5% (-72bps YoY)
ROA 0.9% (+24bps YoY)
ROE 4.7% (+206bps YoY)
NPF Gross 4.0% (-83bps YoY)
32
Rasio Penting
Rasio Penting (%)
3Q ‘12
3Q ’13
YoY
CAR
25.4%
17.9%
-7.5
NPF Gross
4.8%
4.0%
-0.8
NPF Nett
3.4%
1.1%
-2.3
ROA
0.7%
0.9%
+0.2
ROE
2.7%
4.7%
+2.0
NIM
7.2%
6.5%
-0.7
Expense Ratio (BoPo)
90.5%
85.0%
-5.5
FDR
103.5%
104.3%
+0.8
33
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Pendapatan Marjin
248,142
374,166
50.8
Biaya Marjin
(102,796)
(173,693)
69.0
Marjin Bersih
145,346
200,473
37.9
Pendapatan Operasional Lainnya
3,050
5,871
92.5
Biaya Operasional
(134,245)
(175,315)
30.6
Pendapatan Operasional
14,151
31,029
119.3
Pendapatan Non Operasional (Biaya)
246
(372)
-251.2
Laba Sebelum Pajak
14,397
30,657
112.9
Beban Pajak
(3,599)
(9,114)
153.2
Laba Bersih
10,798
21,543
99.5
34
Neraca
Neraca Keuangan
(Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Kas atau Setara Kas
19,681
27,292
38.7
Giro Pada Bank Indonesia
117,016
160,940
37.5
Cadangan Sekunder
608,704
593,264
-2.5
Pembiayaan – Net
2,390,849
3,579,668
49.7
Aktiva Tetap – Net
16,153
156,582
869.4
Aktiva Lainnya
51,435
74,168
44.2
Total Aktiva
3,203,838
4,591,914
43.3
DPK
2,238,873
3,068,450
37.1
Surat Berharga Diterbitkan
115,000
315,000
173.9
Pinjaman Diterima
168,653
520,066
208.4
Lainnya
52,892
67,413
27.5
Total Kewajiban
2,575,418
3,970,929
54.2
Total Ekuitas
628,420
620,985
-1.2
35
Kinerja Syariah
Total Financing
Total Funding
4.0
3.6
3.5
3.5 3.7
3.4
3.4
3.0
3.1
3.0
2.5
2.3 2.4
2.2
(Rp tr)
2.2
1.8
1.5
1.61.3 1.6
1.4
1.1
0.0
3Q ’13
YoY
(%)
Murabahah – (Trading)
1,118,608
2,140,920
91.4
Ijarah
15,853
7,497
-52.7
Financing
912,290
1,381,162
51.4
Qardh – (Bridging)
395,205
190,345
-51.8
Isthisna – (Pawning)
5,874
5,779
-1.6
Total Pembiayaan
2,447,830
3,725,703
52.2
Funding
(Rp juta)
3Q ‘12
3Q ’13
YoY
(%)
Wadiah Current Account
Mudharabah Current
Account
Wadiah Savings Account
Mudharabah Savings
Account
76,465
104,007
36.0
-
-
-
68,616
93,006
35.5
260,992
348,784
33.6
Mudharabah Time Deposit
1,832,800
2,522,653
37.6
Total Funding
2,238,873
3,068,450
37.1
2.1
1.7
0.5
3Q ‘12
2.0
2.0
1.0
3.1
Pembiayaan
(Rp juta)
1.1
1.4 1.6
1.6
1.8
36
Profil Perusahaan
bank bjb
37
Kepemilikan
West Java Provincial Government
Struktur Kepemilikan
3Q12
3Q13
Pendiri (Seri A)
75.00
75.00
Pemerintah Provinsi Jawa Barat
38,26
38,26
Pemerintah Kota/Kabupaten seJawa Barat
23,61
23,61
Pemerintah Provinsi Banten
5,37
5,37
Pemerintah Kota/Kabupaten seBanten
7,76
7,76
Seri B (Publik)
25,00
25,00
Lokal Perorangan
6,14
3,97
Lokal Institusi
12,40
6,62
Perorangan Asing
0,03
0,01
Institusi Asing
6,44
14,4
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
25
38.26
7.76
23.61
5.37
38
Road Map
A Strong Sustainable Growth and Profitable National Bank
2011-2012
2013-2014
2015
Building/Establishment
New Infrastructures
Leading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
Strategy
Developing HR
Competence, IT
Infrastructure,
and organization for :
o Micro & SME
Financing
o Consumer &
Commercial Banking
o Treasury &
International
Strategy
Matching the 10 Biggest
Banks in areas :
o HR competence/ IT
o Services
o Bank bjb `incorporated`
Strategy
Leading in Service and
Performance National Bank
39
Jaringan Kantor
Total bjb
employees
Others
Deposits 1.8 Tr
Loans 1.8 Tr
Micro Loans 274.8 bn
Profit 20.1 bn
46,955 Customers
13 Branch Offices
12 Sub Branch
Offices
3 Cash Offices
66 ATM Unit
12 Waroeng bjb
346 Employees
6,068
Total bjb
customers
2,805,046
Jakarta
Deposits 5.9 Tr
Loans 4.3 Tr
Micro Loans 150.9 bn
Loss 28.9 bn
58,346 Customers
9 Branch Offices
62 Sub Branches
7 Cash Offices
1 Payment Point
103 ATM Unit
27 Waroeng bjb
525 Employees
West Java
Banten
Deposits 10.1 Tr
Loans 6.1 Tr
Micro Loans 644.2 bn
Profit 423.5 bn
480,317 Customers
8 Branch Offices
42 Sub Branches
26 Cash Offices
12 Payment Point
176 ATM Unit
61 Waroeng bjb
573 Employees
Deposits 35.6 Tr
Loans 31.6 Tr
Micro Loans 4.4 Tr
Profit West Java 2.3 bn,
Loss Head Oficce 1.3Tr
2,219,428 Customers
32 Branch Offices
188 Sub Branch
116 Cash Offices
93 Payment Point
707 ATM Unit
337 Waroeng bjb
4,615 Employees
40
Detail Jaringan Layanan
No
bjb Network
3Q ‘12
3Q ’13
YoY
1
Cabang
56
62
6
2
Kantor Cabang Pembantu
215
304
89
3
Kantor Kas
114
152
38
4
Payment Point
97
106
9
5
ATM
674
1,052
378
6
Waroeng bjb (A,B & C)
437
562
125
7
Layanan bjb Precious
11
11
-
8
MSME Center
6
6
-
9
Mobile Cash
7
11
4
10
Weekend Banking
11
12
1
11
Cabang Devisa
25
47
22
Total
1,653
2,325
672
41
Sumber Daya Manusia
Posisi
3Q’12
3Q‘13
YoY
Dewan Komisaris
5
5
-
Direksi
4
4
-
Manajemen Puncak
29
34
5
Manajemen Madya
196
209
13
Manajemen Lini Pertama
1,067
1,336
269
Staf
1,951
4,478
2,527
MPP
8
2
-6
Total Permanen
3,260
6,068
2,808
Berdasarkan Pendidikan
Up to High School
Masters and Doctorate
Up to
Bachelor
Degree
95.3%
Masters
and
Doctorate
4.2%
Up to High
School
0.5%
Berdasarkan Umur
18 - 30
Mikro
2,313
3,189
876
Lain - lain
5,477
2,200
-3,277
Total Non Permanen
7,790
5,389
-2,401
Total
11,457
407
31 - 40
41 - 50
> 50
31 - 40
12.8%
41 - 50
7.4%
18 - 30
78.8%
11,050
Up to Bachelor Degree
> 50
1.0%
42
Penghargaan Tahun 2012
Infobank Awards 2012
Indonesia Trusted Company
The Indonesian Institute for
Corporate Governance
Jamsostek Award:
Regional Strategic Partner 2012
Mark Plus Conference:
Indonesia Marketing
Champion 2012
Call Center Award for 2012
Annual Report Award 2012
SINDO People of The Year 2012
“CEO of The Year”
The 4th IICD Corporate Governance
Conferences & Award: Best
Corporate Governance for Newly
Listed
43
Penghargaan Tahun 2013
Infobank Awards – Kinerja Keuangan
“Sangat Bagus” 2003 - 2012
Indonesia Banking Awards –
Best Performance Banking 2013 untuk Bank
Kategori BUKU 3
44
Performa Harga Saham
Volume (RHS)
1400
Price (LHS)
Investor Relations Group
Menara bank bjb
7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
ir@bankbjb.co.id
120
1300
100
1200
80
Contact Person:
60
Irwan Riswandi
Manager
iriswandi@bankbjb.co.id
1000
40
Ari Budiman
Officer
abudiman@bankbjb.co.id
20
Anjas Septa Lesmana
Officer
aslesmana@bankbjb.co.id
900
800
700
600
Million Shares
Rp/share
1100
0
Simon Sihol Panggabean
Staff
spanggabean@bankbjb.co.id
Source: Bloomberg
45
Menara bank bjb
Jl. Naripan 12 – 14
7th Floor
Bandung 40111
Telp. +6222 4234868