BJBR AM 1Q2013 Bahasa
Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
1Q13 Analyst Meeting
Daftar Isi
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 16
Detail Dana Pihak Ketiga
Pg. 17
Kualitas Aktiva
Pg. 20
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 38
Profil Perusahaan
2
Ekonomi Makro
PDB +6.1% YoY, BI Rate 5.75%
Indeks Kepercayaan Konsumen Terjaga Baik
Consumer Confidence Index
GDP Growth
BI Rate
130
14
120
Index (points)
8
6
4
100
90
80
2
70
0
60
Inflasi Naik Akibat Kenaikan Harga Pangan
CPI
(%)
110
18
16
14
12
10
8
6
4
2
0
Pelemahan Rupiah, Koreksi Harga Obligasi
1mth JIBOR
USDIDR
13000
12000
10yr Govt Bonds Yield
25
20
11000
USDIDR
(%)
10
10000
15
9000
10
8000
7000
6000
5
0
3
Yield (%)
12
Sektor Perbankan
Total Loans
Total Deposit
Pada bulan Feb‘13, data sektor perbankan
YoY Growth (%)
45.0
40.0
menunjukkan:
35.0
• Kredit 23.4%YoY to Rp2,736tr (Kredit Investasi
30.0
25.0
+25.4% YoY, Kredit Modal Kerja +24.5%, Kredit
20.0
Konsumsi+20.2%)
15.0
• Deposit +16.0% YoY to Rp3,207tr (CASA +19.8% YoY,
10.0
Time Deposit +11.6% YoY, CASA Ratio 56.3%)
5.0
• NPL -30bps YoY to 2.0%
-
• ROA -69bps YoY to 3.0%
Investment Loans
Working Capital Loans
Consumer Loans
Feb ‘12
Feb ‘13
YoY (%)
Total Kredit
2,217
2,736
23.4
Total DPK
2,763
3,207
16.0
LDR
80.2
85.3
+5.1
NPL
2.3
2.0
-0.3
ROA
3.6
3.0
-0.6
60.0
YoY Growth (%)
50.0
40.0
30.0
20.0
10.0
(10.0)
4
Ringkasan Kinerja
Laba Rugi
• Pendapatan Bunga Bersih Rp 1.15 Tr (+37.7% YoY/ +34.7% QoQ)
• Laba Operasional Sebelum CKPN Rp 562 miliar (+37.4% YoY/ +94.5%
QoQ)
• Beban CKPN at Rp 94 miliar (+168.0% YoY/ -29.7% QoQ)
• Laba Bersih at Rp 372 miliar (+37.5% YoY/ +50.0% QoQ)
Neraca
•
•
•
•
Total Kredit at Rp 37.8 Tr (+36.0% YoY/ +6.9% QoQ)
Total Pembiayaan Syariah at Rp 3.1 Tr (+70.3% YoY/ +3.7 QoQ)
Total DPK Rp 48.9 Tr (-4.6% YoY/ -3.3% QoQ)
Total Aset Rp 68.4 Tr (+7.4% YoY/ -3.4% QoQ)
Rasio
Keuangan
(bank)
•
•
•
•
NIM 8.2% (+160 bps YoY/ +143bps QoQ)
ROA (net) 2.4% (+41bps YoY/ +42bps QoQ)
ROE (net) 24.2% (+411bps YoY/ +292bps QoQ)
NPL Gross 2.1% (+ 91 bps YoY/ +5bps QoQ)
5
Target vs. Realisasi
Target
1Q13
Loans Growth
25% - 28%
36.0
Deposit Growth
18% - 22%
-4.6
ROA (net)
1.8% - 2.0%
2.4
ROE (net)
20% - 22%
24.1
NIM
6.8% - 7.2%
8.2
Cost of Fund
5.0% - 5.5%
4.7
Cost to Income Ratio
51% - 54%
55.2
Gross NPL
1.5% - 2.0%
2.1
Credit Cost
1.0% - 1.4%
1.2
CASA Ratio
40% - 45%
50.0
6
Rasio Keuangan (bank)
Rasio Penting
1Q12
2Q12
3Q12
4Q12
1Q13
ROA (net)
2.0
2.1
2.1
1.9
2.4
ROE (net)
20.1
22.6
23.1
21.3
24.1
Cost to Income Ratio
51.5
51.1
52.3
54.4
55.2
BOPO
75.8
75.9
76.8
80.0
74.6
Asset Yield
12.1
12.5
12.5
12.0
12.8
Cost of Fund
5.8
5.5
5.3
5.2
4.6
NIM
6.5
6.9
7.1
6.8
8.2
LDR
56.3
65.5
65.0
74.1
83.2
Dalam Perhatian Khusus
3.1
2.6
3.6
3.0
3.9
Gross NPL
1.2
1.4
1.7
2.1
2.1
Net NPL
0.8
0.6
0.5
0.5
0.7
Coverage Ratio
143.8
121.3
116.4
82.9
78.1
CKPN/Total Kredit
1.7
1.7
2.0
1.7
1.6
Credit Cost
0.5
1.0
1.0
1.2
1.2
19.6
18.4
18.4
18.1
17.2
Profitabilitas
Rasio Biaya
Imbal Hasil
Kualitas Aset
Permodalan
CAR
7
Laporan Laba Rugi
Laporan Laba Rugi
(Rp miliar)
1Q12
1Q13
YoY (%)
4Q12
1Q13
QoQ (%)
Pendapatan Bunga
1,598
1,889
18.2
1,704
1,889
10.8
Beban Bunga
(769)
(735)
-4.5
(847)
(735)
-13.3
Pendapatan Bunga
Bersih
838
1,154
37.7
857
1,154
34.7
Fee Based Income
44
64
44.4
70
64
-8.4
Beban Operasional
(474)
(655)
38.2
642
(655)
2.1
Laba (Rugi) dalam
Instrumen Keuangan
1
(1)
-
4
(1)
-113.2
PPOP
409
562
37.4
289
562
94.5
Beban CKPN
(35)
(94)
168
(134)
(94)
-29.7
Pendapatan Non
Operasional
(1)
-
-
163
-
-100.0
Laba Sebelum Pajak
373
468
25.6
318
468
47.1
Beban Pajak
(102)
(96)
-5.8
(71)
(96)
36.5
Laba Bersih
270
372
37.5
248
372
50.0
8
Neraca
Ringkasan Neraca
(Rp miliar)
1Q12
2Q12
3Q12
4Q12
1Q13
YoY (%)
Kas atau Setara Kas
1,288
1,482
1,380
1,795
1,570
21.9
Giro pada Bank
Indonesia
4,308
4,828
4,279
4,666
3,659
-15.0
Cadangan Sekunder
27,118
19,996
25,047
24,075
19,887
-26.7
Kredit-net
Pembiayaan Syariahnet
27,339
30,701
32,142
34,769
37,198
36.0
1,764
2,012
2,391
2,880
2,965
68.1
Aktiva Tetap-net
548
550
520
735
1,002
82.9
Aktiva Lain-lain
1,316
1,686
1,949
1,921
2,126
61.6
Total Aktiva
63,680
61,255
67,708
70,841
68,407
7.4
Total DPK
51,276
49,799
52,724
50,608
48,638
-5.1
Surat Berharga
yang Diterbitkan
2,744
2,744
2,395
2,395
2,395
-12.7
Pinjaman Diterima
2,802
2,151
5,581
8,980
9,036
222.5
Lainnya
1,793
1,166
1,266
2,849
2,625
46.4
Total Kewajiban
58,615
55,860
61,966
64,832
62,695
7.0
Total Ekuitas
5,065
5,395
5,742
6,009
5,713
12.8
9
Detail Kredit (bank)
Consumer
Micro
Commercial
Mortgage
40
Segmen
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Konsumer
19,748
24,504
24.1%
Mikro
3,065
5,069
65.4%
Komersial
4,343
5,799
33.5%
KPR
663
2,287
244.8%
Total Kredit Gross
27,819
37,659
35.4%
2.3
1.7
35
0.9
30
5.8
6.3
0.7
0.2 0.5
1.2
5.3
5.6
5.1
0.1
(Rp tr)
25
0.1
0.1 0.1
20
0.1
2.9
15
1.0
3.3 3.5
1.3 2.0
10
15.1 15.7 15.4
5
0.1
3.7
2.4
4.2
3.7
4.6
2.7 2.9
4.4
4.3
3.6
4.1
4.5
3.0 3.1
2.5
18.0
16.0 16.7
18.5 19.2 19.7
21.4 21.8
22.6
24.5
Mata Uang
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Rupiah
27,565
37,431
35.8
Valas
254
228
-10.2
0
10
Kredit Konsumer
Civil Servant Loans (LHS)
Pensioner Loans (LHS)
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
19,748
24,504
24.1
Ekspansi Neto
(Rp miliar)
579.2
1,877.6
324.2
Rata-rata
Outstanding per
Debitur
(Rp miliar)
55
71
29.6
Jumlah Debitur
360,062
344,672
-4.3
NPL (RHS)
30
1.0
0.9
1.11 0.8
0.80
0.600.63
0.7
0.56
20
0.54
0.50
0.47
0.6
0.45
0.450.430.44
0.45
0.5
15
23.4 0.4
21.8
20.821.2
10
19.2
18.6
0.3
17.518.0
16.3
15.5
15.3
14.6 14.92
0.2
5
0.1
0
(%)
(Rp tr)
25
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
0.19
0.27
+0.08
NPL
0.11
0.12
+0.01
0.0
11
Kredit Mikro
KMU (LHS)
Govt Program (LHS)
Others (LHS)
NPL (RHS)
10.0
6.0
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
90.1
523.9
581.7
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46
56
22.4
Jumlah Debitur
66,722
90,128
35.1
9.0
5.0
0.6 8.0
0.6
4.0
1.2
0.7
0.7
2.0
1.0
0.5
0.4 0.1
0.6 0.7
-
5.0
1.1
0.6
1.1
4.0
0.7
0.7
0.3
0.7 0.6
6.0
1.2
0.6
0.7 0.9
1.0
1.1 1.1
1.1
Tingkat Suku
Bunga
22% - 27% eff. p.a.
3.0
3.2
2.7
2.3
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
1.0
Dalam Perhatian
Khusus
10.8
15.6
+3.1
NPL
3.7
5.7
+1.5
1.9
1.2 1.4
1.0 1.0 1.1 1.2
(%)
(Rp tr)
0.7
3.0
7.0
1.0
0.0
*Kredit Mikro Utama
12
Kredit Komersial
Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
14.0
6.0
5.0
0.8
0.6
3.0
0.5 0.5 0.6
0.5
0.5
0.6 0.6
0.5 0.5 0.5
(Rp tr)
4.0
0.6
0.6
0.5
1.9
9.0
0.8
8.0
0.6
0.6
0.5
7.0
YoY
(%)
Outstanding
4,343
5,799
33.5
Ekspansi Neto
(Rp miliar)
-59.3
-537.7
907.6
Rata-rata
Outstanding per
Debitur
(Rp miliar)
449
631
40.6
Jumlah Debitur
9,677
9,189
-5.0
6.0
3.9
2.6 2.6
2.3 2.5
10.0
1.2
3.3 3.2
3.0
3.0
(%)
0.6
12.0
11.0
1.0
0.8
0.6
5.0
4.3 4.5
3.9
Tingkat Suku Bunga
6.3% -14.5% eff. p.a
4.0
3.0
2.0
1.0
-
1Q ’13
13.0
0.8
0.7
1.0
1Q ‘12
15.0
7.0
2.0
Indikator Utama
-
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
10.1
7.2
-2.9
NPL
4.5
7.0
+2.5
13
NPL Kredit Komersial
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL
Outstanding
PT. Rekapastika Asri
20th April 10
May '12
23,177
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL
Outstanding
PT. Pracico Multi Finance
19 Juli 11
Des '12
PT. Cipta Inti Parmindo
23 Juni 11
Des ’12
68,369
Upaya hukum dengan Kejagung
PT. Tranka Kabel
24 Sept 08 and
29 Juli 09
Des ’12
58,811
Menunggu keputusan akuisisi usaha ybs oleh investor
CV Mandala Jaya Farm
25 Juli 11
Mei ’12
9,240
Menunggu keputusan akuisisi usaha ybs oleh investor
CV. Pasadena Mandiri Sakti
30 April’08
Jun ’12
7,239
Tahap negosiasi penjualan aset tidak produktif
PT. Karya Putra Pertama
14 Maret 08
Mar '09
3,793
Usaha penjualan agunan
Minaut Lintas Nusantara
4 Agustus 10
Nov '12
3,629
Usaha penjualan agunan
PT. Hokasa Mandiri
9 November 11
Agustus '12
3,490
Usaha penjualan agunan
Total
Penyelesaian
Telah dilunasi
Usaha Penyelesaian
Penagihan aktif dan pasif serta rencana restrukturisasi
setelah upaya merelokasi armada bus kepada user lain
226,641
14
Kredit Pemilikan Rumah (KPR)
Mortgage Loans (LHS)
NPL (RHS)
2,500
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
663
2,287
244.8
Ekspansi Neto
(Rp miliar)
210.7
566.0
268.6
Rata-rata Outstanding
per Debitur
(Rp miliar)
237
269
13.6
Jumlah Debitur
2,798
8,495
203.6
15.0
2,287 14.0
13.0
2,000
12.0
1,721
11.0
10.0
1,500
(Rp bn)
9.0
1,215
8.0
7.0
941
1,000
6.0
5.0
663
500
453
195
140
108
91
72 80 78
-
Tingkat Suku Bunga
7.25% - 13.75% eff. p.a.
4.0
3.0
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
6.6
9.2
+2.6
NPL
0.2
3.0
+2.8
1.0
-
15
Detail DPK (bank)
Current Account
Savings Account
Time Deposit
60
Detail DPK
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
50
Giro
12,043
15,474
28.5%
Tabungan
5,018
7,149
42.5%
Deposito
32,351
22,620
-30.1%
TOTAL
49,413
45,243
-8.4%
Rasio CASA (%)
34.5%
50.0%
+10.8%
Mata Uang
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Rupiah
49,172
44,970
-8.5
Valas
241
273
13.3
40
(Rp tr)
28.5 24.3
32.4 30.0
22.6
30
23.5 20.0
17.9 19.2
20 15.6
10
3.2
18.9
19.1
20.9
6.3 8.7 7.1
3.4 3.5
3.8 4.0
4.4
6.0 5.0 6.0
4.7
12.0 11.7
9.2 10.7 10.3 7.5 10.0 10.0 10.8 11.0
15.7 14.5 15.5
0
16
Kualitas Aktiva
Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS)
900
796
800
754
180
Gross NPL (%)
(Bank)
Mar‘12
Mar ’13
Total Hapus
Buku 1Q12
(Rp miliar)
160
Konsumer
0.11
0.12
1.9
Mikro
3.7
5.7
59.9
Komersial
4.5
7.0
53.2
KPR
0.2
3.0
-
Total
1.2
2.1
115.0
728
140
648
593
551
575
527
603
587
516
534
557
120
508
480
500
621
100
441
403 406
400
80
373 368
324
300
334
Gross NPL
60
3.0
2.5
200
40
2.0
(%)
(Rp bn)
600
679
Coverage Ratio (%)
701 699
700
100
20
1.5
1.0
0.5
-
0
2.0 1.8 1.9 1.8
2.2 2.3
Net NPL
2.6
2.1 2.1
1.4
1.7
1.2 1.2
0.8
0.7
0.6 0.5 0.5 0.7
0.5
0.4
0.4
0.3
0.2 0.2
0.2
-
17
Kredit Dalam Perhatian Khusus
Consumer (LHS)
Mortgage (LHS)
Micro (LHS)
% to Loans (RHS)
Commercial (LHS)
Consumer
1,600
100%
4.5
4
4
Micro
3
1
2
Commercial
2
4
2
Mortgage
5
7
7
9
14
90%
210
4.0
28
3.5
1,200
88
420
1,000
3.0
96
2.5
44
800
516
339
60
2.0
438
600
9
365
1.5
790
400
200
-
7 15 224
7
8
190113
524570
3 159
332344
8 8 182138
247278
105103
147195
67 68 109 95
26 25 24 21 33 25 28 19 37 37 51 46 67
Special Mention Contribution (%)
80%
Special Mention Loans (%)
Absolute Special Mention Loans (Rp bn)
1,400
70%
51 51 56
42
46 46
32
51 45 44
28
60%
50%
40%
30%
61
32 33
34
1.0
20%
0.5
10%
13 12
-
54
0%
7
37
8
42 47
54 53
52
39
9
6
7
4
4
43 44
5
4
4
4
18
Non Performing Loans
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
Consumer
100%
% to Loans (RHS)
900
3.0
8
6
9
7
100
-
297
455
300
12 2
409
312299
1.5
464
5
495
1.0
277
NPL Contribution (%)
400
200
408
10
NPL (%)
Absolute NPL (Rp bn)
10
500
2
2
2
4
289
201186
60%
84 81
78 79 79 78
73
7
9
40%
30%
10%
0%
31
24
0.5
-
51
64
50%
20%
114137
78
75 98
34 39 62 58
21 23 20 19 22 24 24 23 22 22 27 29 30
6
63 53
34
211
149
1
65
196
313320
0
59
70%
2.0
32
2
80%
11
600
2
Mortgage
2.5
48
700
2
Commercial
90%
800
68
2
Micro
9
11 15 14 15 17
6
6
5
5
4
4
36
26
22
3
7
36
7
5
5
4
4
19
Analisa Imbal Hasil
Asset Yield (LHS)
16
CoF (RHS)
NIM (RHS)
• NIM 8.2% (+157bpsYoY/ +140bps QoQ)
9.0
• Cost of Fund 4.7% (-84bps YoY/-55bps QoQ)
15
14
13
8.5
• Asset Yield 12.8% (+72bps YoY/ -76bps QoQ)
• Proporsi kredit terhadap aktiva produktif 65.9%
8.0
12
11
10
(+152bps YoY/ +627bps QoQ)
7.5
7.0
8
(Rp miliar)
1Q12
1Q13
YoY (%)
Rata-rata Aktiva
Produktif
50,402
54,944
9.0
Imbal Hasil Aktiva
12.1
12.8
+0.7
50,019
54,384
8.7
4.5
Rata-rata Liabilitas
Berbiaya Bunga
4.0
Cost of Fund
5.5
4.7
-0.8
NIM
6.6
8.2
+1.6
6.5
(%)
(%)
9
7
6
5
6.0
5.5
4
3
2
5.0
1
0
20
Basis Nasabah
Strategi Funding Berhasil Baik
Basis Nasabah Mikro Tumbuh Cepat
Consumer
Micro
Commercial
Government
Mortgage
Corporate
Retail
100%
100%
90%
0
1
0
1
0
2
0
3
0
3
0
3
0
3
0
2
1
2
1
3
1
3
1
2
2
2
90%
10 11 12
12 13 14 15 15 15
16 18 19
20
80%
19 17 18
22
16 19 18
25
19 19 19
24 22
34 32
26
80%
26
70%
60%
50%
40%
30%
89 87 86
84 84 83 82 82 82
80 79 77
76
Funding Proportion (%)
Lending Proportion (%)
70%
60%
54
50%
41
49
50
40%
30%
20%
20%
10%
10%
0%
34 37
39 42 42
58
42 41 40
24
52
47 49
48 45
40
25
26
0%
21
Kecukupan Modal
Aktiva
Tertimbang
Menurut Resiko
(ATMR)
1Q ‘12
Total ATMR
22,881
27,527
20.3
Risiko Kredit
17,351
20,738
19.5
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
339
535
57.7
ATMR/Total Aktiva
37.2%
42.8%
+5.6
tier-1
4,522
4,787
5.9
tier -2
(48)
(62)
Total Modal
4,473
Tier-1 KPMM
Total KPMM
1Q ’13
YoY
•
Total CAR at 16.8% (-280bps YoY/ -128bps QoQ)
•
Total modal inti Rp4.7triliun setelah dikurangi
cadangan pembagian dividen
Penambahan
Dampak
ATMR/
Terhadap
Rp1tr
KPMM
Ekspansi
(%)
Neto
Analisa KPMM
Bobot
Resiko
29.3
Kredit Konsumer
50%
Rp.500bn
0.34
4,725
5.6
Kredit Mikro
75%
Rp.750bn
0.49
19.8
17.4%
(2.4)
Kredit Komersial
100%
Rp.1tr
0.64
19.6
17.2%
(2.4)
Kredit KPR
40%
Rp.400bn
0.28
22
Sumber Pertumbuhan Baru
Kredit Mikro
23
Performa Kredit Mikro
Pertumbuhan
• Kredit mikro berada pada posisi Rp 5.1 tr(+65.4% YoY/ +11.5%
QoQ)
• Ekspansi net Rp 2.0tr YoY / Rp523.8bn QoQ
• Kontribusi terhadap total kredit 13.5% (+244bps YoY/ +56bps QoQ)
Kualitas
• Kredit dalam perhatian khusus 15.6% (+475bps YoY/ +305bps QoQ)
• Nilai kredit dalam perhatian khusus Rp 790miliar
(+Rp 458miliar YoY/ +Rp220miliar QoQ)
• NPL 5.7% (+197bps YoY/ +161bps QoQ)
• Nilai NPL Rp 289.4 miliar (+Rp 174.9miliar YoY/ +
Rp103.3miliar QoQ)
• Total Hapus Buku Rp 242 miliar selama 1 tahun terakhir
24
Kredit Mikro
Total Micro Loans
NPL
12.0
6.0
5.0
5.1
8.0
4.1
5.7
2.7
2.0
2.4
3.3
2.0
3.0 3.0
1.0
-
1.3
1.0
2.5
3.7 3.8
3.6
3.0
2.4
3.1
5.1
2.9 3.0
6.0
4.9
4.1
4.0
(%)
(Rp tr)
3.6
3.0
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46
56
22.4
Jumlah Debitur
66,722
90,128
28.5
10.0
4.5
4.0
Indikator Utama
22% - 27% eff. p.a.
Tingkat Suku Bunga
2.6
2.0
Kualitas Kredit
FY11
FY12
YoY
Dalam Perhatian
Khusus
9.4
12.5
+3.1
NPL
2.6
4.1
+1.5
0.0
*Kredit Mikro Utama
25
Kredit Mikro Utama
Kredit Mikro Utama (LHS)
NPL (RHS)
3.5
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
1,359
3,229
137.7
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
29
47
64.2
Jumlah Debitur
47,287
68,439
44.7
12.0
3.2
3.0
10.0
2.7
2.5
8.0
2.3
5.9
1.9
5.4
4.9
1.5
3.7
4.1 4.2
1.0
0.5
-
5.3
3.9
1.0 1.0 1.0 1.1
0.6
0.7
1.4
1.2 1.2
3.8 3.7
6.0
(%)
(Rp tr)
2.0
4.0
Tingkat Suku Bunga
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
12.5
17.6
+5.1
NPL
2.3
5.3
+3.0
22% - 27% eff. p.a.
2.3 2.3 2.5
0.0
26
Program Pemerintah
Government Program (LHS)
NPL (RHS)
1.4
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
1,128
1,200
6.4
Ekspansi Neto
(Rp miliar)
-15.3
44.4
-
Rata-rata
Outstanding per
Debitur
(Rp miliar)
78
70
-10.7
Jumlah Debitur
14,454
17,213
19.1
12
1.2
1.2 10
1.2
1.1 1.1
1.1 1.1
1.1
8.4
1.0
1.0
7.3
8
(Rp tr)
6.0
5.5
5.9
6
0.7
0.6
4
(%)
0.9
0.8
Tingkat Suku Bunga
8.3% -14.0% eff. p.a
3.1
0.4
2.7
0.3
1.3
0.2
0.0 0.1
-
Indikator Utama
0.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
12.6
14.3
+1.7
NPL
5.5
7.3
+1.8
2
0.4
0
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 13% eff. p.a.
27
Kredit Mikro Lainnya
Others Micro Loans(LHS)
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
579
640
10.6
10.0
Ekspansi Neto
(Rp miliar)
-49.4
-0.2
-
8.0
Rata-rata Outstanding
per Debitur
(Rp miliar)
116
143
23.1
Jumlah Debitur
4,981
4,476
-10.1
NPL (RHS)
12.0
0.8
0.7
0.7
0.7 0.7 0.7
0.7
0.7
0.6
0.6
0.6
0.6 0.6
0.6
6.9
0.5
6.0
0.4
0.4
4.7
0.3
3.9
3.5
0.2
2.8 2.8
2.5
3.7 3.8
10.5% - 18.04% eff. p.a.
Tingkat Suku Bunga
4.0
3.1
2.7 2.7
2.1
2.0
0.1
-
(%)
(Rp tr)
0.5
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
3.5
8.1
+4.6
NPL
3.7
4.7
+1.0
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR,
KMK Program Kridamas
28
Kredit Mikro Dalam Perhatian Khusus
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
Special Mention Loans (RHS)
18
900
15.6 16
51.6
90%
14
80%
12
10.8
58
9.5
9.4
500
8.5
400
140
7.1
200
100
-
15
3
20 22
5.8
4.0
8
153
6.5
5.3 5.3
10
64
22
31
27 96 110
18 64
31
142
566.7
128
8
169 195
6
129 138
11
17
105
91 81 98
49 58
372
6
Others
8
13 14
9
11
6
6
12 10
7
6
3
22
21
12.712.5
171.7
600
15 13
26
Special Mention Contribution (%)
700
Govt Programs
100%
(%)
Absolute Special Mention Loans (Rp bn)
800
300
KMU
43
33 39 39
70%
37
25
29
60%
50%
40%
30%
4
74 85
84
86
72
65
67
51
54 52 49
56 59
20%
307
2
0
10%
0%
29
Non Performing Loans Kredit Mikro
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
NPL (RHS)
KMU
5.7
9
6
90%
28
5.1
4.9
17
2.6
2.4
24
3
94 68
NPL Contribution (%)
18
3.0
-
27 35
67
20
37
-
4
30
47
14
60%
23
49
40 54
50%
40%
72
76
2
30%
22
100
-
4
88.0
46
50
70%
3.3
3.0 3.0
25
27
31
33 30
0
3.7 3.8
10
-
(%)
Absolute NPL (Rp bn)
150
30
4.1
250
200
24
9
19 17
80%
5
30.0
3.6
Others
100%
350
300
Govt Programs
171.4
23 13
62
18 19 3
89 101
31
0
9958 69
47
44 39 50
28 31
24 30
20%
70
67
66
54
59
46
35
59
44
27
34
1
10%
0
0%
30
Proses Bisnis
• Processor
•Credit Analyst
•Officer
•Branch/Sub
Branch
Manager
• Marketing
Staff
•Customer
Sales
Marketing
•Pick up Staff
•Supervision
Staff
Proses Kredit
Penagihan
Marketing
Sales
Prosesor
Analis
Kredit
Officer
Pemimpin
Cabang
Pick-up
Supervisi
2,125
97
277
434
36
352
464
248
31
Kinerja Bisnis Syariah
1Q13 bank bjb Syariah
32
Ringkasan Kinerja
Laba Rugi
Neraca
Rasio (bank bjb
Syariah)
• Pendapatan Marjin Bersih Rp 70.2miliar (+58.7% YoY/ +11.3% QoQ)
• Biaya Operasional Rp70.2miliar (+71.8% YoY/ +6.7% QoQ)
• Laba Bersih Rp609mn (-79.8% YoY/ -83.4% QoQ)
• Total Pembiayaan Rp3.1tr (+70.3% YoY/ +3.7% QoQ)
• Total Dana Pihak Ketiga Rp3.6tr (+80.7% YoY/ +6.4% QoQ)
• Total Aset Rp4.5tr (+68.9% YoY/ +5.9% QoQ)
•
•
•
•
NIM 7.0% (-220bps YoY/ -40bps QoQ)
ROA 0.1% (-80bps YoY/ -57bps QoQ)
ROE 0.4% (-200bps YoY/ -220bps QoQ)
NPF 4.4% (+300bps YoY/ +40bps QoQ)
33
Rasio Penting
Rasio Penting (%)
1Q ‘12
1Q ’13
YoY
CAR
29.7
21.4
-8.3
Gross NPF
1.4
4.4
+3.0
Net NPF
0.4
3.2
+2.8
ROA
0.9
0.1
-0.8
ROE
2.4
0.4
-2.0
NIM
9.2
7.0
-2.2
BOPO
90.3
98.4
+8.1
FDR
90.9
85.7
-5.2
34
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
1Q ‘12
1Q ’13
YoY (%)
Pendapatan Marjin
77,898
121,673
56.2
Biaya Marjin
(33,657)
(51,474)
52.9
Marjin Bersih
44,241
70,199
58.7
Pendapatan Operasional Lainnya
1,025
1,200
17.1
Biaya Operasional
(40,864)
(70,219)
71.8
Pendapatan Operasional
4,402
1,180
(73.2)
Pendapatan Non Operasional (Biaya)
320
17
(94.7)
Laba Sebelum Pajak
4,722
1,197
(74.7)
Beban Pajak
(1,703)
(588)
(65.5)
Laba Bersih
3,019
609
(79.8)
35
Neraca
Neraca Keuangan
(Rp juta)
1Q ‘12
1Q ’13
YoY (%)
Kas atau Setara Kas
13,103
29,066
121.8
Giro Pada Bank Indonesia
97,712
162,282
66.1
Cadangan Sekunder
750,394
1,174,779
56.6
Pembiayaan – Net
1,763,961
2,964,927
68.1
Aktiva Tetap – Net
7,584
149,829
-
Aktiva Lain-lain
47,945
45,897
-4.3
Total Aktiva
2,680,699
4,526,780
68.9
DPK
1,980,995
3,580,309
80.7
Pinjaman yang Diterima
87,000
220,000
152.9
Lainnya
40,092
31,095
-22.4
Total Kewajiban
53,971
62,672
16.1
Total Ekuitas
2,162,058
3,894,076
80.1
Neraca Keuangan
(Rp juta)
518,641
632,704
22
36
Kinerja Syariah
Total Financing
Total Funding
4.00
3.58
3.50
3.36
2.96
3.00
2.50
(Rp tr)
2.22
2.00
1.60 1.60 1.56
1.50
1.40
1.01 1.06
1.00
0.50
-
0.83
2.06
1.98
1.77 1.80
1.70
1.64
1.39
1.32
1.15
2.45
2.37
2.25
3.07
Pembiayaan Syariah
1Q ‘12
1Q ’13
YoY
(%)
Murabahah – (Trading)
869,959
1,607,216
84.7
Ijarah
47,928
11,718
-75.5
Pembiayaan
469,491
364,617
-22.3
Qardh – (Bridging)
407,254
1,077,863
164.7
Isthisna – (Pawning)
6,527
6,661
2.0
Total Pembiayaan
1,801,159
3,068,075
70.3
DPK
1Q ‘12
1Q ’13
YoY
(%)
Giro Wadiah
66,148
80,887
22.3
Giro Mudharabah
-
-
-
Tabungan Wadiah
55,741
84,396
51.4
Tabungan Mudharabah
197,163
295,775
50.0
Deposito Mudharabah
1,661,943
3,119,251
87.7
Total DPK
1,980,995
3,580,309
80.7
37
Profil Perusahaan
bank bjb
38
Kepemilikan
West Java Provincial Government
Struktur Kepemilikan
1Q12
1Q13
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
7.3
4.4
Lokal Institusi
11.8
11.1
Perorangan Asing
0.0
0.0
Institusi Asing
5.9
9.5
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
25
38.26
7.76
23.61
5.37
39
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
40
Business and Strategic Alliances
Sustainable Profit
and Growth
SME /
Micro
Financing
oDeepening Our
Presence on West
Java and Banten
Area
oDeveloping
Waroeng BJB
oMSME Financial
Intitution Strategic
Alliances and
Acquisition
Institutional
&
Commercial
Banking
oImproving Loans
Process
oRisk
Management and
Debtor Rating
System
Consumer
Loans
oStrengthening Our
Position on Civil
Servant Loans
oCentralized and
Electronic Loans
Infrastructure
oMulti-finance
Company
Acquisition
Consumer
Deposit
Treasury and
International
Subsidiary
Companies
oRebranding ,
Network
Expansion and
Service
Excellence
oAggressive
Sales and
Promotion
oPricing Strategy
oProviding Trade
Finance,
Remittances, and
Dealing Services for
Customers and
Investors.
o Strategic Alliances
with coresponden
Bank Remittance
Agencies
oAcquisition of
Insurance and
Securities
Companies to
Provide All-inOne Banking
Services
Support Strategy
Risk Management
and Compliance
Improving HR Competencies
Through Extensive Training
Program & Professional Hire
Program
Developing IT
Infrastructure and ebanking Services
Network Expansion
and Services
Improvement
Enhance
Communication
with Investors
41
Jaringan Kantor
Total bjb employees
5,529
Total bjb customers
2,180,666
Others
Deposits 1.4 Tr
Loans 1.2 bn
Profit 2.8 bn
34,133 Customers
13 Branch Offices
13 Sub Branch Offices
330 Employees
Expansion Plan
+3 Branch Offices
(Malang,Yogyakarta
& Purwokerto)
+99 Sub Branches
+472 Cash Offices
+27 Payment Points
+526 ATM Units
Jakarta
Deposits 5.2 Tr
Loans 3.5 Tr
Profit 5.8 bn
371,030 Customers
9 Branch Offices
58Sub Branches
7 Cash Offices
1 Payment Point
92 ATM Unit
43 Waroeng bjb
481 Employees
West Java
Banten
Deposits 7.8 Tr
Loans 5.3 Tr
Profit 149 bn
44,903 Customers
8 Branch Offices
45 Sub Branches
24 Cash Offices
12 Payment Point
118 ATM Unit
65 Waroeng bjb
570Employees
Deposits 30.8 Tr
Loans 27.6 Tr
Profit West Java 740bn, Loss Loss
Head Oficce 432 bn
1,730,600 Customers
32 Branch Offices
189 Sub Branch
106 Cash Offices
90 Payment Poin
669 ATM Unit
329 Waroeng bjb
4,148 Employees
42
Detail Jaringan Layanan
Nov
bjb Network
31-Mar-12
31-Mar-13
YoY
1
Branch
55
62
7
2
Sub Branch
213
304
91
3
Cash Offices
64
140
76
4
Payment Point
94
103
9
5
ATM
559
934
375
6
Waroeng bjb (A,B & C)
0
437
437
Type A
0
47
47
Type B
0
183
183
Type C/Functional Office
0
207
207
7
Priority Banking Services
4
11
7
8
Sentra UMKM
6
6
0
9
Weekend banking
9
12
3
10
foreign branches
23
33
10
11
Car Education
7
11
4
Total
1,034
2,490
1,456
43
Sumber Daya Manusia
Berdasarkan Pendidikan
Posisi
Mar ’12
Mar ‘13
YoY
Dewan Komisaris
5
5
-
Direksi
5
5
-
Manajemen Puncak
25
31
6
Manajemen Madya
171
207
36
Manajemen Lini Pertama
942
1,296
354
Staf
1,352
3,989
2,637
MPP
7
6
-1
Total Permanent
2,507
5,539
3,032
Up to High School
Up to Bachelor Degree
Masters and Doctorate
0.8
4.9
94.4
Berdasarkan Umur
bank bjb
1Q13 Analyst Meeting
Daftar Isi
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 16
Detail Dana Pihak Ketiga
Pg. 17
Kualitas Aktiva
Pg. 20
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 38
Profil Perusahaan
2
Ekonomi Makro
PDB +6.1% YoY, BI Rate 5.75%
Indeks Kepercayaan Konsumen Terjaga Baik
Consumer Confidence Index
GDP Growth
BI Rate
130
14
120
Index (points)
8
6
4
100
90
80
2
70
0
60
Inflasi Naik Akibat Kenaikan Harga Pangan
CPI
(%)
110
18
16
14
12
10
8
6
4
2
0
Pelemahan Rupiah, Koreksi Harga Obligasi
1mth JIBOR
USDIDR
13000
12000
10yr Govt Bonds Yield
25
20
11000
USDIDR
(%)
10
10000
15
9000
10
8000
7000
6000
5
0
3
Yield (%)
12
Sektor Perbankan
Total Loans
Total Deposit
Pada bulan Feb‘13, data sektor perbankan
YoY Growth (%)
45.0
40.0
menunjukkan:
35.0
• Kredit 23.4%YoY to Rp2,736tr (Kredit Investasi
30.0
25.0
+25.4% YoY, Kredit Modal Kerja +24.5%, Kredit
20.0
Konsumsi+20.2%)
15.0
• Deposit +16.0% YoY to Rp3,207tr (CASA +19.8% YoY,
10.0
Time Deposit +11.6% YoY, CASA Ratio 56.3%)
5.0
• NPL -30bps YoY to 2.0%
-
• ROA -69bps YoY to 3.0%
Investment Loans
Working Capital Loans
Consumer Loans
Feb ‘12
Feb ‘13
YoY (%)
Total Kredit
2,217
2,736
23.4
Total DPK
2,763
3,207
16.0
LDR
80.2
85.3
+5.1
NPL
2.3
2.0
-0.3
ROA
3.6
3.0
-0.6
60.0
YoY Growth (%)
50.0
40.0
30.0
20.0
10.0
(10.0)
4
Ringkasan Kinerja
Laba Rugi
• Pendapatan Bunga Bersih Rp 1.15 Tr (+37.7% YoY/ +34.7% QoQ)
• Laba Operasional Sebelum CKPN Rp 562 miliar (+37.4% YoY/ +94.5%
QoQ)
• Beban CKPN at Rp 94 miliar (+168.0% YoY/ -29.7% QoQ)
• Laba Bersih at Rp 372 miliar (+37.5% YoY/ +50.0% QoQ)
Neraca
•
•
•
•
Total Kredit at Rp 37.8 Tr (+36.0% YoY/ +6.9% QoQ)
Total Pembiayaan Syariah at Rp 3.1 Tr (+70.3% YoY/ +3.7 QoQ)
Total DPK Rp 48.9 Tr (-4.6% YoY/ -3.3% QoQ)
Total Aset Rp 68.4 Tr (+7.4% YoY/ -3.4% QoQ)
Rasio
Keuangan
(bank)
•
•
•
•
NIM 8.2% (+160 bps YoY/ +143bps QoQ)
ROA (net) 2.4% (+41bps YoY/ +42bps QoQ)
ROE (net) 24.2% (+411bps YoY/ +292bps QoQ)
NPL Gross 2.1% (+ 91 bps YoY/ +5bps QoQ)
5
Target vs. Realisasi
Target
1Q13
Loans Growth
25% - 28%
36.0
Deposit Growth
18% - 22%
-4.6
ROA (net)
1.8% - 2.0%
2.4
ROE (net)
20% - 22%
24.1
NIM
6.8% - 7.2%
8.2
Cost of Fund
5.0% - 5.5%
4.7
Cost to Income Ratio
51% - 54%
55.2
Gross NPL
1.5% - 2.0%
2.1
Credit Cost
1.0% - 1.4%
1.2
CASA Ratio
40% - 45%
50.0
6
Rasio Keuangan (bank)
Rasio Penting
1Q12
2Q12
3Q12
4Q12
1Q13
ROA (net)
2.0
2.1
2.1
1.9
2.4
ROE (net)
20.1
22.6
23.1
21.3
24.1
Cost to Income Ratio
51.5
51.1
52.3
54.4
55.2
BOPO
75.8
75.9
76.8
80.0
74.6
Asset Yield
12.1
12.5
12.5
12.0
12.8
Cost of Fund
5.8
5.5
5.3
5.2
4.6
NIM
6.5
6.9
7.1
6.8
8.2
LDR
56.3
65.5
65.0
74.1
83.2
Dalam Perhatian Khusus
3.1
2.6
3.6
3.0
3.9
Gross NPL
1.2
1.4
1.7
2.1
2.1
Net NPL
0.8
0.6
0.5
0.5
0.7
Coverage Ratio
143.8
121.3
116.4
82.9
78.1
CKPN/Total Kredit
1.7
1.7
2.0
1.7
1.6
Credit Cost
0.5
1.0
1.0
1.2
1.2
19.6
18.4
18.4
18.1
17.2
Profitabilitas
Rasio Biaya
Imbal Hasil
Kualitas Aset
Permodalan
CAR
7
Laporan Laba Rugi
Laporan Laba Rugi
(Rp miliar)
1Q12
1Q13
YoY (%)
4Q12
1Q13
QoQ (%)
Pendapatan Bunga
1,598
1,889
18.2
1,704
1,889
10.8
Beban Bunga
(769)
(735)
-4.5
(847)
(735)
-13.3
Pendapatan Bunga
Bersih
838
1,154
37.7
857
1,154
34.7
Fee Based Income
44
64
44.4
70
64
-8.4
Beban Operasional
(474)
(655)
38.2
642
(655)
2.1
Laba (Rugi) dalam
Instrumen Keuangan
1
(1)
-
4
(1)
-113.2
PPOP
409
562
37.4
289
562
94.5
Beban CKPN
(35)
(94)
168
(134)
(94)
-29.7
Pendapatan Non
Operasional
(1)
-
-
163
-
-100.0
Laba Sebelum Pajak
373
468
25.6
318
468
47.1
Beban Pajak
(102)
(96)
-5.8
(71)
(96)
36.5
Laba Bersih
270
372
37.5
248
372
50.0
8
Neraca
Ringkasan Neraca
(Rp miliar)
1Q12
2Q12
3Q12
4Q12
1Q13
YoY (%)
Kas atau Setara Kas
1,288
1,482
1,380
1,795
1,570
21.9
Giro pada Bank
Indonesia
4,308
4,828
4,279
4,666
3,659
-15.0
Cadangan Sekunder
27,118
19,996
25,047
24,075
19,887
-26.7
Kredit-net
Pembiayaan Syariahnet
27,339
30,701
32,142
34,769
37,198
36.0
1,764
2,012
2,391
2,880
2,965
68.1
Aktiva Tetap-net
548
550
520
735
1,002
82.9
Aktiva Lain-lain
1,316
1,686
1,949
1,921
2,126
61.6
Total Aktiva
63,680
61,255
67,708
70,841
68,407
7.4
Total DPK
51,276
49,799
52,724
50,608
48,638
-5.1
Surat Berharga
yang Diterbitkan
2,744
2,744
2,395
2,395
2,395
-12.7
Pinjaman Diterima
2,802
2,151
5,581
8,980
9,036
222.5
Lainnya
1,793
1,166
1,266
2,849
2,625
46.4
Total Kewajiban
58,615
55,860
61,966
64,832
62,695
7.0
Total Ekuitas
5,065
5,395
5,742
6,009
5,713
12.8
9
Detail Kredit (bank)
Consumer
Micro
Commercial
Mortgage
40
Segmen
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Konsumer
19,748
24,504
24.1%
Mikro
3,065
5,069
65.4%
Komersial
4,343
5,799
33.5%
KPR
663
2,287
244.8%
Total Kredit Gross
27,819
37,659
35.4%
2.3
1.7
35
0.9
30
5.8
6.3
0.7
0.2 0.5
1.2
5.3
5.6
5.1
0.1
(Rp tr)
25
0.1
0.1 0.1
20
0.1
2.9
15
1.0
3.3 3.5
1.3 2.0
10
15.1 15.7 15.4
5
0.1
3.7
2.4
4.2
3.7
4.6
2.7 2.9
4.4
4.3
3.6
4.1
4.5
3.0 3.1
2.5
18.0
16.0 16.7
18.5 19.2 19.7
21.4 21.8
22.6
24.5
Mata Uang
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Rupiah
27,565
37,431
35.8
Valas
254
228
-10.2
0
10
Kredit Konsumer
Civil Servant Loans (LHS)
Pensioner Loans (LHS)
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
19,748
24,504
24.1
Ekspansi Neto
(Rp miliar)
579.2
1,877.6
324.2
Rata-rata
Outstanding per
Debitur
(Rp miliar)
55
71
29.6
Jumlah Debitur
360,062
344,672
-4.3
NPL (RHS)
30
1.0
0.9
1.11 0.8
0.80
0.600.63
0.7
0.56
20
0.54
0.50
0.47
0.6
0.45
0.450.430.44
0.45
0.5
15
23.4 0.4
21.8
20.821.2
10
19.2
18.6
0.3
17.518.0
16.3
15.5
15.3
14.6 14.92
0.2
5
0.1
0
(%)
(Rp tr)
25
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
0.19
0.27
+0.08
NPL
0.11
0.12
+0.01
0.0
11
Kredit Mikro
KMU (LHS)
Govt Program (LHS)
Others (LHS)
NPL (RHS)
10.0
6.0
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
90.1
523.9
581.7
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46
56
22.4
Jumlah Debitur
66,722
90,128
35.1
9.0
5.0
0.6 8.0
0.6
4.0
1.2
0.7
0.7
2.0
1.0
0.5
0.4 0.1
0.6 0.7
-
5.0
1.1
0.6
1.1
4.0
0.7
0.7
0.3
0.7 0.6
6.0
1.2
0.6
0.7 0.9
1.0
1.1 1.1
1.1
Tingkat Suku
Bunga
22% - 27% eff. p.a.
3.0
3.2
2.7
2.3
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
1.0
Dalam Perhatian
Khusus
10.8
15.6
+3.1
NPL
3.7
5.7
+1.5
1.9
1.2 1.4
1.0 1.0 1.1 1.2
(%)
(Rp tr)
0.7
3.0
7.0
1.0
0.0
*Kredit Mikro Utama
12
Kredit Komersial
Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
14.0
6.0
5.0
0.8
0.6
3.0
0.5 0.5 0.6
0.5
0.5
0.6 0.6
0.5 0.5 0.5
(Rp tr)
4.0
0.6
0.6
0.5
1.9
9.0
0.8
8.0
0.6
0.6
0.5
7.0
YoY
(%)
Outstanding
4,343
5,799
33.5
Ekspansi Neto
(Rp miliar)
-59.3
-537.7
907.6
Rata-rata
Outstanding per
Debitur
(Rp miliar)
449
631
40.6
Jumlah Debitur
9,677
9,189
-5.0
6.0
3.9
2.6 2.6
2.3 2.5
10.0
1.2
3.3 3.2
3.0
3.0
(%)
0.6
12.0
11.0
1.0
0.8
0.6
5.0
4.3 4.5
3.9
Tingkat Suku Bunga
6.3% -14.5% eff. p.a
4.0
3.0
2.0
1.0
-
1Q ’13
13.0
0.8
0.7
1.0
1Q ‘12
15.0
7.0
2.0
Indikator Utama
-
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
10.1
7.2
-2.9
NPL
4.5
7.0
+2.5
13
NPL Kredit Komersial
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL
Outstanding
PT. Rekapastika Asri
20th April 10
May '12
23,177
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL
Outstanding
PT. Pracico Multi Finance
19 Juli 11
Des '12
PT. Cipta Inti Parmindo
23 Juni 11
Des ’12
68,369
Upaya hukum dengan Kejagung
PT. Tranka Kabel
24 Sept 08 and
29 Juli 09
Des ’12
58,811
Menunggu keputusan akuisisi usaha ybs oleh investor
CV Mandala Jaya Farm
25 Juli 11
Mei ’12
9,240
Menunggu keputusan akuisisi usaha ybs oleh investor
CV. Pasadena Mandiri Sakti
30 April’08
Jun ’12
7,239
Tahap negosiasi penjualan aset tidak produktif
PT. Karya Putra Pertama
14 Maret 08
Mar '09
3,793
Usaha penjualan agunan
Minaut Lintas Nusantara
4 Agustus 10
Nov '12
3,629
Usaha penjualan agunan
PT. Hokasa Mandiri
9 November 11
Agustus '12
3,490
Usaha penjualan agunan
Total
Penyelesaian
Telah dilunasi
Usaha Penyelesaian
Penagihan aktif dan pasif serta rencana restrukturisasi
setelah upaya merelokasi armada bus kepada user lain
226,641
14
Kredit Pemilikan Rumah (KPR)
Mortgage Loans (LHS)
NPL (RHS)
2,500
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
663
2,287
244.8
Ekspansi Neto
(Rp miliar)
210.7
566.0
268.6
Rata-rata Outstanding
per Debitur
(Rp miliar)
237
269
13.6
Jumlah Debitur
2,798
8,495
203.6
15.0
2,287 14.0
13.0
2,000
12.0
1,721
11.0
10.0
1,500
(Rp bn)
9.0
1,215
8.0
7.0
941
1,000
6.0
5.0
663
500
453
195
140
108
91
72 80 78
-
Tingkat Suku Bunga
7.25% - 13.75% eff. p.a.
4.0
3.0
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
6.6
9.2
+2.6
NPL
0.2
3.0
+2.8
1.0
-
15
Detail DPK (bank)
Current Account
Savings Account
Time Deposit
60
Detail DPK
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
50
Giro
12,043
15,474
28.5%
Tabungan
5,018
7,149
42.5%
Deposito
32,351
22,620
-30.1%
TOTAL
49,413
45,243
-8.4%
Rasio CASA (%)
34.5%
50.0%
+10.8%
Mata Uang
(Rp miliar)
1Q ‘12
1Q ’13
YoY
(%)
Rupiah
49,172
44,970
-8.5
Valas
241
273
13.3
40
(Rp tr)
28.5 24.3
32.4 30.0
22.6
30
23.5 20.0
17.9 19.2
20 15.6
10
3.2
18.9
19.1
20.9
6.3 8.7 7.1
3.4 3.5
3.8 4.0
4.4
6.0 5.0 6.0
4.7
12.0 11.7
9.2 10.7 10.3 7.5 10.0 10.0 10.8 11.0
15.7 14.5 15.5
0
16
Kualitas Aktiva
Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS)
900
796
800
754
180
Gross NPL (%)
(Bank)
Mar‘12
Mar ’13
Total Hapus
Buku 1Q12
(Rp miliar)
160
Konsumer
0.11
0.12
1.9
Mikro
3.7
5.7
59.9
Komersial
4.5
7.0
53.2
KPR
0.2
3.0
-
Total
1.2
2.1
115.0
728
140
648
593
551
575
527
603
587
516
534
557
120
508
480
500
621
100
441
403 406
400
80
373 368
324
300
334
Gross NPL
60
3.0
2.5
200
40
2.0
(%)
(Rp bn)
600
679
Coverage Ratio (%)
701 699
700
100
20
1.5
1.0
0.5
-
0
2.0 1.8 1.9 1.8
2.2 2.3
Net NPL
2.6
2.1 2.1
1.4
1.7
1.2 1.2
0.8
0.7
0.6 0.5 0.5 0.7
0.5
0.4
0.4
0.3
0.2 0.2
0.2
-
17
Kredit Dalam Perhatian Khusus
Consumer (LHS)
Mortgage (LHS)
Micro (LHS)
% to Loans (RHS)
Commercial (LHS)
Consumer
1,600
100%
4.5
4
4
Micro
3
1
2
Commercial
2
4
2
Mortgage
5
7
7
9
14
90%
210
4.0
28
3.5
1,200
88
420
1,000
3.0
96
2.5
44
800
516
339
60
2.0
438
600
9
365
1.5
790
400
200
-
7 15 224
7
8
190113
524570
3 159
332344
8 8 182138
247278
105103
147195
67 68 109 95
26 25 24 21 33 25 28 19 37 37 51 46 67
Special Mention Contribution (%)
80%
Special Mention Loans (%)
Absolute Special Mention Loans (Rp bn)
1,400
70%
51 51 56
42
46 46
32
51 45 44
28
60%
50%
40%
30%
61
32 33
34
1.0
20%
0.5
10%
13 12
-
54
0%
7
37
8
42 47
54 53
52
39
9
6
7
4
4
43 44
5
4
4
4
18
Non Performing Loans
Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
Consumer
100%
% to Loans (RHS)
900
3.0
8
6
9
7
100
-
297
455
300
12 2
409
312299
1.5
464
5
495
1.0
277
NPL Contribution (%)
400
200
408
10
NPL (%)
Absolute NPL (Rp bn)
10
500
2
2
2
4
289
201186
60%
84 81
78 79 79 78
73
7
9
40%
30%
10%
0%
31
24
0.5
-
51
64
50%
20%
114137
78
75 98
34 39 62 58
21 23 20 19 22 24 24 23 22 22 27 29 30
6
63 53
34
211
149
1
65
196
313320
0
59
70%
2.0
32
2
80%
11
600
2
Mortgage
2.5
48
700
2
Commercial
90%
800
68
2
Micro
9
11 15 14 15 17
6
6
5
5
4
4
36
26
22
3
7
36
7
5
5
4
4
19
Analisa Imbal Hasil
Asset Yield (LHS)
16
CoF (RHS)
NIM (RHS)
• NIM 8.2% (+157bpsYoY/ +140bps QoQ)
9.0
• Cost of Fund 4.7% (-84bps YoY/-55bps QoQ)
15
14
13
8.5
• Asset Yield 12.8% (+72bps YoY/ -76bps QoQ)
• Proporsi kredit terhadap aktiva produktif 65.9%
8.0
12
11
10
(+152bps YoY/ +627bps QoQ)
7.5
7.0
8
(Rp miliar)
1Q12
1Q13
YoY (%)
Rata-rata Aktiva
Produktif
50,402
54,944
9.0
Imbal Hasil Aktiva
12.1
12.8
+0.7
50,019
54,384
8.7
4.5
Rata-rata Liabilitas
Berbiaya Bunga
4.0
Cost of Fund
5.5
4.7
-0.8
NIM
6.6
8.2
+1.6
6.5
(%)
(%)
9
7
6
5
6.0
5.5
4
3
2
5.0
1
0
20
Basis Nasabah
Strategi Funding Berhasil Baik
Basis Nasabah Mikro Tumbuh Cepat
Consumer
Micro
Commercial
Government
Mortgage
Corporate
Retail
100%
100%
90%
0
1
0
1
0
2
0
3
0
3
0
3
0
3
0
2
1
2
1
3
1
3
1
2
2
2
90%
10 11 12
12 13 14 15 15 15
16 18 19
20
80%
19 17 18
22
16 19 18
25
19 19 19
24 22
34 32
26
80%
26
70%
60%
50%
40%
30%
89 87 86
84 84 83 82 82 82
80 79 77
76
Funding Proportion (%)
Lending Proportion (%)
70%
60%
54
50%
41
49
50
40%
30%
20%
20%
10%
10%
0%
34 37
39 42 42
58
42 41 40
24
52
47 49
48 45
40
25
26
0%
21
Kecukupan Modal
Aktiva
Tertimbang
Menurut Resiko
(ATMR)
1Q ‘12
Total ATMR
22,881
27,527
20.3
Risiko Kredit
17,351
20,738
19.5
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
339
535
57.7
ATMR/Total Aktiva
37.2%
42.8%
+5.6
tier-1
4,522
4,787
5.9
tier -2
(48)
(62)
Total Modal
4,473
Tier-1 KPMM
Total KPMM
1Q ’13
YoY
•
Total CAR at 16.8% (-280bps YoY/ -128bps QoQ)
•
Total modal inti Rp4.7triliun setelah dikurangi
cadangan pembagian dividen
Penambahan
Dampak
ATMR/
Terhadap
Rp1tr
KPMM
Ekspansi
(%)
Neto
Analisa KPMM
Bobot
Resiko
29.3
Kredit Konsumer
50%
Rp.500bn
0.34
4,725
5.6
Kredit Mikro
75%
Rp.750bn
0.49
19.8
17.4%
(2.4)
Kredit Komersial
100%
Rp.1tr
0.64
19.6
17.2%
(2.4)
Kredit KPR
40%
Rp.400bn
0.28
22
Sumber Pertumbuhan Baru
Kredit Mikro
23
Performa Kredit Mikro
Pertumbuhan
• Kredit mikro berada pada posisi Rp 5.1 tr(+65.4% YoY/ +11.5%
QoQ)
• Ekspansi net Rp 2.0tr YoY / Rp523.8bn QoQ
• Kontribusi terhadap total kredit 13.5% (+244bps YoY/ +56bps QoQ)
Kualitas
• Kredit dalam perhatian khusus 15.6% (+475bps YoY/ +305bps QoQ)
• Nilai kredit dalam perhatian khusus Rp 790miliar
(+Rp 458miliar YoY/ +Rp220miliar QoQ)
• NPL 5.7% (+197bps YoY/ +161bps QoQ)
• Nilai NPL Rp 289.4 miliar (+Rp 174.9miliar YoY/ +
Rp103.3miliar QoQ)
• Total Hapus Buku Rp 242 miliar selama 1 tahun terakhir
24
Kredit Mikro
Total Micro Loans
NPL
12.0
6.0
5.0
5.1
8.0
4.1
5.7
2.7
2.0
2.4
3.3
2.0
3.0 3.0
1.0
-
1.3
1.0
2.5
3.7 3.8
3.6
3.0
2.4
3.1
5.1
2.9 3.0
6.0
4.9
4.1
4.0
(%)
(Rp tr)
3.6
3.0
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46
56
22.4
Jumlah Debitur
66,722
90,128
28.5
10.0
4.5
4.0
Indikator Utama
22% - 27% eff. p.a.
Tingkat Suku Bunga
2.6
2.0
Kualitas Kredit
FY11
FY12
YoY
Dalam Perhatian
Khusus
9.4
12.5
+3.1
NPL
2.6
4.1
+1.5
0.0
*Kredit Mikro Utama
25
Kredit Mikro Utama
Kredit Mikro Utama (LHS)
NPL (RHS)
3.5
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
1,359
3,229
137.7
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
29
47
64.2
Jumlah Debitur
47,287
68,439
44.7
12.0
3.2
3.0
10.0
2.7
2.5
8.0
2.3
5.9
1.9
5.4
4.9
1.5
3.7
4.1 4.2
1.0
0.5
-
5.3
3.9
1.0 1.0 1.0 1.1
0.6
0.7
1.4
1.2 1.2
3.8 3.7
6.0
(%)
(Rp tr)
2.0
4.0
Tingkat Suku Bunga
2.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
12.5
17.6
+5.1
NPL
2.3
5.3
+3.0
22% - 27% eff. p.a.
2.3 2.3 2.5
0.0
26
Program Pemerintah
Government Program (LHS)
NPL (RHS)
1.4
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
1,128
1,200
6.4
Ekspansi Neto
(Rp miliar)
-15.3
44.4
-
Rata-rata
Outstanding per
Debitur
(Rp miliar)
78
70
-10.7
Jumlah Debitur
14,454
17,213
19.1
12
1.2
1.2 10
1.2
1.1 1.1
1.1 1.1
1.1
8.4
1.0
1.0
7.3
8
(Rp tr)
6.0
5.5
5.9
6
0.7
0.6
4
(%)
0.9
0.8
Tingkat Suku Bunga
8.3% -14.0% eff. p.a
3.1
0.4
2.7
0.3
1.3
0.2
0.0 0.1
-
Indikator Utama
0.0
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
12.6
14.3
+1.7
NPL
5.5
7.3
+1.8
2
0.4
0
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 13% eff. p.a.
27
Kredit Mikro Lainnya
Others Micro Loans(LHS)
Indikator Utama
1Q ‘12
1Q ’13
YoY
(%)
Outstanding
579
640
10.6
10.0
Ekspansi Neto
(Rp miliar)
-49.4
-0.2
-
8.0
Rata-rata Outstanding
per Debitur
(Rp miliar)
116
143
23.1
Jumlah Debitur
4,981
4,476
-10.1
NPL (RHS)
12.0
0.8
0.7
0.7
0.7 0.7 0.7
0.7
0.7
0.6
0.6
0.6
0.6 0.6
0.6
6.9
0.5
6.0
0.4
0.4
4.7
0.3
3.9
3.5
0.2
2.8 2.8
2.5
3.7 3.8
10.5% - 18.04% eff. p.a.
Tingkat Suku Bunga
4.0
3.1
2.7 2.7
2.1
2.0
0.1
-
(%)
(Rp tr)
0.5
Kualitas Kredit
1Q ‘12
1Q ’13
YoY
Dalam Perhatian
Khusus
3.5
8.1
+4.6
NPL
3.7
4.7
+1.0
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR,
KMK Program Kridamas
28
Kredit Mikro Dalam Perhatian Khusus
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
Special Mention Loans (RHS)
18
900
15.6 16
51.6
90%
14
80%
12
10.8
58
9.5
9.4
500
8.5
400
140
7.1
200
100
-
15
3
20 22
5.8
4.0
8
153
6.5
5.3 5.3
10
64
22
31
27 96 110
18 64
31
142
566.7
128
8
169 195
6
129 138
11
17
105
91 81 98
49 58
372
6
Others
8
13 14
9
11
6
6
12 10
7
6
3
22
21
12.712.5
171.7
600
15 13
26
Special Mention Contribution (%)
700
Govt Programs
100%
(%)
Absolute Special Mention Loans (Rp bn)
800
300
KMU
43
33 39 39
70%
37
25
29
60%
50%
40%
30%
4
74 85
84
86
72
65
67
51
54 52 49
56 59
20%
307
2
0
10%
0%
29
Non Performing Loans Kredit Mikro
KMU (LHS)
Govt Programs (LHS)
Others (LHS)
NPL (RHS)
KMU
5.7
9
6
90%
28
5.1
4.9
17
2.6
2.4
24
3
94 68
NPL Contribution (%)
18
3.0
-
27 35
67
20
37
-
4
30
47
14
60%
23
49
40 54
50%
40%
72
76
2
30%
22
100
-
4
88.0
46
50
70%
3.3
3.0 3.0
25
27
31
33 30
0
3.7 3.8
10
-
(%)
Absolute NPL (Rp bn)
150
30
4.1
250
200
24
9
19 17
80%
5
30.0
3.6
Others
100%
350
300
Govt Programs
171.4
23 13
62
18 19 3
89 101
31
0
9958 69
47
44 39 50
28 31
24 30
20%
70
67
66
54
59
46
35
59
44
27
34
1
10%
0
0%
30
Proses Bisnis
• Processor
•Credit Analyst
•Officer
•Branch/Sub
Branch
Manager
• Marketing
Staff
•Customer
Sales
Marketing
•Pick up Staff
•Supervision
Staff
Proses Kredit
Penagihan
Marketing
Sales
Prosesor
Analis
Kredit
Officer
Pemimpin
Cabang
Pick-up
Supervisi
2,125
97
277
434
36
352
464
248
31
Kinerja Bisnis Syariah
1Q13 bank bjb Syariah
32
Ringkasan Kinerja
Laba Rugi
Neraca
Rasio (bank bjb
Syariah)
• Pendapatan Marjin Bersih Rp 70.2miliar (+58.7% YoY/ +11.3% QoQ)
• Biaya Operasional Rp70.2miliar (+71.8% YoY/ +6.7% QoQ)
• Laba Bersih Rp609mn (-79.8% YoY/ -83.4% QoQ)
• Total Pembiayaan Rp3.1tr (+70.3% YoY/ +3.7% QoQ)
• Total Dana Pihak Ketiga Rp3.6tr (+80.7% YoY/ +6.4% QoQ)
• Total Aset Rp4.5tr (+68.9% YoY/ +5.9% QoQ)
•
•
•
•
NIM 7.0% (-220bps YoY/ -40bps QoQ)
ROA 0.1% (-80bps YoY/ -57bps QoQ)
ROE 0.4% (-200bps YoY/ -220bps QoQ)
NPF 4.4% (+300bps YoY/ +40bps QoQ)
33
Rasio Penting
Rasio Penting (%)
1Q ‘12
1Q ’13
YoY
CAR
29.7
21.4
-8.3
Gross NPF
1.4
4.4
+3.0
Net NPF
0.4
3.2
+2.8
ROA
0.9
0.1
-0.8
ROE
2.4
0.4
-2.0
NIM
9.2
7.0
-2.2
BOPO
90.3
98.4
+8.1
FDR
90.9
85.7
-5.2
34
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
1Q ‘12
1Q ’13
YoY (%)
Pendapatan Marjin
77,898
121,673
56.2
Biaya Marjin
(33,657)
(51,474)
52.9
Marjin Bersih
44,241
70,199
58.7
Pendapatan Operasional Lainnya
1,025
1,200
17.1
Biaya Operasional
(40,864)
(70,219)
71.8
Pendapatan Operasional
4,402
1,180
(73.2)
Pendapatan Non Operasional (Biaya)
320
17
(94.7)
Laba Sebelum Pajak
4,722
1,197
(74.7)
Beban Pajak
(1,703)
(588)
(65.5)
Laba Bersih
3,019
609
(79.8)
35
Neraca
Neraca Keuangan
(Rp juta)
1Q ‘12
1Q ’13
YoY (%)
Kas atau Setara Kas
13,103
29,066
121.8
Giro Pada Bank Indonesia
97,712
162,282
66.1
Cadangan Sekunder
750,394
1,174,779
56.6
Pembiayaan – Net
1,763,961
2,964,927
68.1
Aktiva Tetap – Net
7,584
149,829
-
Aktiva Lain-lain
47,945
45,897
-4.3
Total Aktiva
2,680,699
4,526,780
68.9
DPK
1,980,995
3,580,309
80.7
Pinjaman yang Diterima
87,000
220,000
152.9
Lainnya
40,092
31,095
-22.4
Total Kewajiban
53,971
62,672
16.1
Total Ekuitas
2,162,058
3,894,076
80.1
Neraca Keuangan
(Rp juta)
518,641
632,704
22
36
Kinerja Syariah
Total Financing
Total Funding
4.00
3.58
3.50
3.36
2.96
3.00
2.50
(Rp tr)
2.22
2.00
1.60 1.60 1.56
1.50
1.40
1.01 1.06
1.00
0.50
-
0.83
2.06
1.98
1.77 1.80
1.70
1.64
1.39
1.32
1.15
2.45
2.37
2.25
3.07
Pembiayaan Syariah
1Q ‘12
1Q ’13
YoY
(%)
Murabahah – (Trading)
869,959
1,607,216
84.7
Ijarah
47,928
11,718
-75.5
Pembiayaan
469,491
364,617
-22.3
Qardh – (Bridging)
407,254
1,077,863
164.7
Isthisna – (Pawning)
6,527
6,661
2.0
Total Pembiayaan
1,801,159
3,068,075
70.3
DPK
1Q ‘12
1Q ’13
YoY
(%)
Giro Wadiah
66,148
80,887
22.3
Giro Mudharabah
-
-
-
Tabungan Wadiah
55,741
84,396
51.4
Tabungan Mudharabah
197,163
295,775
50.0
Deposito Mudharabah
1,661,943
3,119,251
87.7
Total DPK
1,980,995
3,580,309
80.7
37
Profil Perusahaan
bank bjb
38
Kepemilikan
West Java Provincial Government
Struktur Kepemilikan
1Q12
1Q13
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
7.3
4.4
Lokal Institusi
11.8
11.1
Perorangan Asing
0.0
0.0
Institusi Asing
5.9
9.5
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
25
38.26
7.76
23.61
5.37
39
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
40
Business and Strategic Alliances
Sustainable Profit
and Growth
SME /
Micro
Financing
oDeepening Our
Presence on West
Java and Banten
Area
oDeveloping
Waroeng BJB
oMSME Financial
Intitution Strategic
Alliances and
Acquisition
Institutional
&
Commercial
Banking
oImproving Loans
Process
oRisk
Management and
Debtor Rating
System
Consumer
Loans
oStrengthening Our
Position on Civil
Servant Loans
oCentralized and
Electronic Loans
Infrastructure
oMulti-finance
Company
Acquisition
Consumer
Deposit
Treasury and
International
Subsidiary
Companies
oRebranding ,
Network
Expansion and
Service
Excellence
oAggressive
Sales and
Promotion
oPricing Strategy
oProviding Trade
Finance,
Remittances, and
Dealing Services for
Customers and
Investors.
o Strategic Alliances
with coresponden
Bank Remittance
Agencies
oAcquisition of
Insurance and
Securities
Companies to
Provide All-inOne Banking
Services
Support Strategy
Risk Management
and Compliance
Improving HR Competencies
Through Extensive Training
Program & Professional Hire
Program
Developing IT
Infrastructure and ebanking Services
Network Expansion
and Services
Improvement
Enhance
Communication
with Investors
41
Jaringan Kantor
Total bjb employees
5,529
Total bjb customers
2,180,666
Others
Deposits 1.4 Tr
Loans 1.2 bn
Profit 2.8 bn
34,133 Customers
13 Branch Offices
13 Sub Branch Offices
330 Employees
Expansion Plan
+3 Branch Offices
(Malang,Yogyakarta
& Purwokerto)
+99 Sub Branches
+472 Cash Offices
+27 Payment Points
+526 ATM Units
Jakarta
Deposits 5.2 Tr
Loans 3.5 Tr
Profit 5.8 bn
371,030 Customers
9 Branch Offices
58Sub Branches
7 Cash Offices
1 Payment Point
92 ATM Unit
43 Waroeng bjb
481 Employees
West Java
Banten
Deposits 7.8 Tr
Loans 5.3 Tr
Profit 149 bn
44,903 Customers
8 Branch Offices
45 Sub Branches
24 Cash Offices
12 Payment Point
118 ATM Unit
65 Waroeng bjb
570Employees
Deposits 30.8 Tr
Loans 27.6 Tr
Profit West Java 740bn, Loss Loss
Head Oficce 432 bn
1,730,600 Customers
32 Branch Offices
189 Sub Branch
106 Cash Offices
90 Payment Poin
669 ATM Unit
329 Waroeng bjb
4,148 Employees
42
Detail Jaringan Layanan
Nov
bjb Network
31-Mar-12
31-Mar-13
YoY
1
Branch
55
62
7
2
Sub Branch
213
304
91
3
Cash Offices
64
140
76
4
Payment Point
94
103
9
5
ATM
559
934
375
6
Waroeng bjb (A,B & C)
0
437
437
Type A
0
47
47
Type B
0
183
183
Type C/Functional Office
0
207
207
7
Priority Banking Services
4
11
7
8
Sentra UMKM
6
6
0
9
Weekend banking
9
12
3
10
foreign branches
23
33
10
11
Car Education
7
11
4
Total
1,034
2,490
1,456
43
Sumber Daya Manusia
Berdasarkan Pendidikan
Posisi
Mar ’12
Mar ‘13
YoY
Dewan Komisaris
5
5
-
Direksi
5
5
-
Manajemen Puncak
25
31
6
Manajemen Madya
171
207
36
Manajemen Lini Pertama
942
1,296
354
Staf
1,352
3,989
2,637
MPP
7
6
-1
Total Permanent
2,507
5,539
3,032
Up to High School
Up to Bachelor Degree
Masters and Doctorate
0.8
4.9
94.4
Berdasarkan Umur