3Q2012 Bahasa Final
Lebih Besar, Lebih Kuat, Lebih Baik
bank
bjb
(2)
Pg. 5
Ringkasan Kinerja
Pg. 11
Detail Kredit
Pg. 16
Detail Dana Pihak Ketiga
Pg. 17
Kualitas Aktiva
Pg. 20
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 33
Performa Bank
bjb
Syariah
Daftar Isi
Pg. 33
Performa Bank
bjb
Syariah
Pg. 39
Profil Perusahaan
(3)
0 2 4 6 8 10 12 14 (% )
GDP Growth BI Rate
60 70 80 90 100 110 120 130 In d e x ( p ts )
Consumer Confidence Index
Ekonomi Makro
Indeks Kepercayaan Kembali Menguat
BI Mempertahankan Tingkat BI Pada 5.75%
5 7 9 11 13 15 17 19 6000 7000 8000 9000 10000 11000 12000 13000 Y ie ld ( % ) U S D ID R
USDIDR 10yr Govt Bond
0 5 10 15 20 (% )
1mth JIBOR CPI
Obligasi Menguat Meski Rupiah Melemah
Inflasi Tetap Rendah dan Stabil
(4)
Sektor Perbankan
-5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0
Y
o
Y
G
ro
w
th
(
%
)
Loans Growth Deposit Growth
Pada bulan Agustus 2012, sektor perbankan
menunjukkan:
• Pertumbuhan kredit +24.5%YoY ke level Rp2528tr
(Kredit Investasi +30.1% YoY, Kredit Modal Kerja
+23.3%, Kredit Konsumer +20%)
• DPK +21.4% YoY ke level Rp2,984tr (Giro dan
tabungan +27.5% YoY, Deposito +14.4% YoY, Rasio
Giro dan Tabungan 47.3%)
• NPL -57bps YoY ke 2.2%
-10.0 20.0 30.0 40.0 50.0 60.0
Y
o
Y
G
ro
w
th
(
%
)
Investment Loans WC Loans Consumer Loans Agustus
2011
Agustus
2012 YoY (%)
Total Kredit 2,031 2,528 24.5
Total DPK 2,459 2,984 21.4
LDR 82.2 84.7 2.5
NPL 2.77 2.2 (0.57)
• NPL -57bps YoY ke 2.2%
• ROA +9bps YoY ke 3.07%
(5)
Result Summary
• Net Interest Income Rp2.8tr (+23.2% YoY/ +3.1% QoQ)
• Laba Operasional Sebelum CKPN Rp1.5tr (+18.6% YoY/-6.8% QoQ)
• CKPN Rp269bn (+30.5% YoY/ +6.7% QoQ)
• Laba bersih Rp945bn (+ 19.0% YoY/ +4.8 QoQ)
Laba Rugi
• Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ)
• Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ)
• Total DPK Rp52.7tr (+30.9% YoY/ +5.9% QoQ)
• Total Aset Rp67.7tr (+25.8% YoY/ +10.5% QoQ)
• Jumlah rekening 2.5mn (+58.6% YoY/ +0.7% QoQ)
Neraca
• NIM 7.1% (+36bps YoY/ +19bps QoQ)
• ROA (net) 2.1% (-9bps YoY/ +5bps QoQ)
• ROE (net) 23.1% (+211bps YoY/ +49bps QoQ)
• Gross NPL 1.7% (-90bps YoY/ +29bps QoQ)
Rasio
Keuangan
(bank)
(6)
Target vs. Realisasi
Target 1Q12 2Q12 3Q12
Pertumbuhan Kredit 22% - 25% 21.6 26.4 27.8
Pertumbuhan DPK 15% - 18% 51.4 37.5 30.9
ROA (net) 1.8% - 2.0% 2.0 2.1 2.1
ROE (net) 18% - 20% 20.1 22.6 23.1
NIM 6.8% - 7.2% 6.5 6.9 7.1
NIM 6.8% - 7.2% 6.5 6.9 7.1
Cost of Fund 6.4% - 6.7% 5.8 5.5 5.3
Cost to Income
Ratio 51% - 54% 51.5 51.1 52.3
Gross NPL 1.2% - 1.7% 1.2 1.4 1.7
Credit Cost 1.0% - 1.4% 0.5 1.0 1.0
(7)
Rasio Keuangan
Rasio Penting 3Q11 4Q11 1Q12 2Q12 3Q12
Profitabilitas
ROA (net) 2.2 1.9 2.0 2.1 2.1
ROE (net) 21.0 18.5 20.1 22.6 23.1
Rasio Biaya
Cost to Income Ratio 48.9 51.6 51.5 51.1 52.3
BOPO 78.0 78.8 75.8 75.9 76.8
Imbal Hasil
Asset Yield 12.9 13.0 12.1 12.5 12.5
Cost of Fund 6.3 6.6 5.8 5.5 5.3
NIM 6.8 6.9 6.5 6.9 7.1
LDR 67.7 73.0 56.3 65.5 65.0
Kualitas Aset
Dalam Perhatian Khusus 1.5 2.1 3.1 2.6 3.6
Gross NPL 2.6 1.2 1.2 1.4 1.7
Net NPL 0.8 0.4 0.8 0.6 0.5
Coverage Ratio 111.0 155.5 143.8 121.3 116.4
(8)
Laporan Laba Rugi
(Rp bn) 9M11 9M12 YoY (%) FY11 2Q12 3Q12 QoQ (%)
Pendapatan Bunga 4,306 5,092 18.2 5,977 1,767 1,727 -2.2
Beban Bunga (2,035) (2,293) 12.7 (2,916) (792) (732) -7.5
Pendapatan Bunga
Bersih 2,271 2,799 23.2 3,061 965 995 3.1
Fee Based Income 217 177 -18.6 193 78 55 -29.9
Beban Operasional (1,262) (1,522) 20.6 (1,721) (502) (546) 8.7
Laporan Laba Rugi
Laba (Rugi) dalam
Instrumen Keuangan 9 11 22.4 11 5 5 0.0
PPOP 1,234 1,464 18.6 1,543 546 509 -6.8
Beban CKPN (206) (269) 30.5 (262) (113) (121) 6.7
Pendapatan Non
Operasional 37 (0) (100.9) 39 (1) 2 -293.4
Laba Sebelum Pajak 1,065 1,194 12.2 1,320 432 390 -9.7
Beban Pajak (270) (249) -7.9 (357) (102) (44) -56.5
(9)
Struktur Kepemilikan Jumlah Saham % Provinsi Jawa Barat 3,709,994,733 38.26% Kabupaten Bandung 689,906,967 7.12%
Provinsi Banten 520,589,856 5.37% Seri – A Lain 2,351,727,110 24.25%
Seri - B 2,424,072,500 25.00%
Total 9,696,291,166 100%
Diskon Pajak Sebesar 5%
Bank
bjb
berhak mendapatkan
diskon pajak penghasilan (PPH)
sebesar 5% sesuai dengan
Peraturan Menteri Keuangan No
238/PMK.03/2008, dimana hal
tersebut diatur pada pasal 2:
• Minimum kepemilikan 40% oleh
publik atau setara minimum 300
pemegang saham
• Setiap pemegang saham memiliki
Total 9,696,291,166 100%
49.25% 50.75%
Total Non - Controlling Shareholders Controlling Shareholders
• Setiap pemegang saham memiliki
kurang dari 5% kepemilikan
• Minimum masa kepemilikan selama
183 hari
Estimasi benefit pajak pada tahun
2012 sebesar Rp72miliar dengan
asumsi Laba Sebelum Pajak
sebesar Rp1.4triliun sesuai
dengan Rencana Bisnis Bank
(10)
Neraca
Ringkasan Neraca
(Rp bn) 3Q11 FY11 2Q12 3Q12 YoY (%) QoQ (%)
Kas atau Setara Kas 1,291 1,726 1,482 1,380 6.9 -6.9
Giro pada Bank
Indonesia 3,471 3,674 4,308 4,279 23.3 11.4
Cadangan Sekunder 20,537 19,283 19,996 25,047 22.0 25.3
Kredit-net 27,027 28,223 32,713 34,533 27.8 5.6
Aktiva Tetap-net 510 560 550 520 2.0 -5.6
Aktiva Lain-lain 983 983 1,685 1,949 98.2 15.6
Total Aktiva 53,819 54,449 61,255 67,708 25.8 10.5
Total DPK 40,267 39,043 49,799 52,724 30.9 5.9
Surat Berharga yang
Diterbitkan 3,742 2,743 2,744 2,395 (36.0) -12.7
Pinjaman Diterima 3,630 5,473 2,151 5,581 53.7 159.4
Lainnya 961 1,803 1,166 1,267 31.8 8.6
Total Kewajiban 48,599 49,062 55,860 61,966 27.5 10.9
(11)
2.5
2.7 2.9
3.0 3.1
3.6 4.1
3.5 3.7
3.7
4.2 4.6
4.4 4.3 5.3
5.6
0.1 0.1
0.1 0.1
0.2 0.5 0.7
0.9 1.2
20.0 25.0 30.0 35.0
p
t
r)
Consumer Micro Commercial Mortgage
Detail Kredit (bank)
Segmen
(Rp miliar) 3Q11 3Q 12
YoY (%)
Konsumer 18,500 21,842 18.1
Mikro 2,920 4,117 40.9
Komersial 4,559 5,617 23.2
KPR 195 1,215 523.0
15.4 16.0 16.7
18.0 18.5 19.2 19.7
21.4 21.9 2.0 2.4
2.5
-5.0 10.0 15.0
(R
p
Total Gross Loans 26,175 32,790 25.2
Mata Uang
(Rp miliar) 3Q‘11 3Q ‘12
YoY (%)
Rupiah 26,012 32,509 24.9
(12)
Kredit Konsumer
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 18,500 21,842 18,1%
Ekspansi Neto per Bulan (Rp miliar)
168 199 18,4%
Rata-rata Outstanding per
Debitur 50 62.3 23,5%
0.45 0.43
0.44 0.45
0.47 0.50
0.54 0.56
0.60 0.63
0.60 0.70 0.80 0.90 1.00
15.0 20.0 25.0
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)
Debitur (Rp miliar)
Jumlah Debitur 366,637 350,347 -4,4%
Tingkat Suku Bunga 18.0% - 19.5% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 0,15 0,23 +0,08
NPL 0,13 0,13 -0,00
15.3 14.92 15.5 16.3
17.5 18.0 18.6 19.2
20.8 21.2
-0.10 0.20 0.30 0.40 0.50
-5.0 10.0
(%
)
(R
p
t
(13)
1.1 1.1
0.7 0.7
0.7 0.6 0.6 0.6 0.7 5.0 6.0 7.0 8.0 9.0 10.0 2.5 3.0 3.5 4.0 4.5 p t r) p t r)
Kredit Mikro Utama Government Program
KCR NPL (RHS)
Kredit Mikro
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 2,920 4,117 41,0%
Ekspansi Neto per Bulan (Rp miliar)
(0.4) 182
-Rata-rata Outstanding per
Debitur (Rp miliar)
44.9 52.5 16,9%
0.7 1.0
1.0
1.0 1.1 1.2 1.2 1.4
1.9 2.3 0.1
0.3 0.7
0.9 1.0
1.1 1.1 1.1 0.5 0.7 0.7 0.7 0.0 1.0 2.0 3.0 4.0 5.0 -0.5 1.0 1.5
2.0 (R
p
(R
p
Jumlah Debitur 64.966 78.348 20,6%
Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.5 12.7 +4.2
NPL 5.1 4.9 -0.2
(14)
Kredit Komersial
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 4,559 5,617 23,2%
Ekspansi Neto per Bulan (Rp miliar)
107.5 34.5 -67,9%
Rata-rata Outstanding per
Debitur (Rp miliar)
363 483 33,0%
0.6 0.6
0.5
0.5 0.5 0.6
0.6 0.6
0.8 0.8 8.9 9.0 8.8
11.0 10.8 10.9
8.0 10.0 12.0
4.0 5.0 6.0
Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)
(Rp miliar)
Jumlah Debitur 12,556 11.633 -7,4%
Tingkat Suku Bunga 8% - 12% eff. p.a
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 2.5 9,2 +6,7
NPL 10.9 5,3 -5,6
2.3 2.5 2.6 2.6
3.0 3.3 3.2 3.0 3.9 0.5 0.5
0.6 0.6
0.6 0.6 0.6 0.5 0.5
0.5 0.5
4.8 4.5
5.2
-2.0 4.0 6.0
-1.0 2.0
3.0 (%)
(R
p
t
(15)
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 195 1,214 522,4%
Ekspansi Neto per Bulan (Rp miliar)
15 106 610,8%
Rata-rata Outstanding per Debitur
(Rp miliar)
177 241 36,3%
Kredit Pemilikan Rumah (KPR)
663 941
1,215
8.4 10.7
10.4
9.2
7.4
6.0 8.0 10.0 12.0
800 1,000 1,200 1,400
%
)
p
b
n
)
Mortgage Loans (LHS) NPL (RHS)
Jumlah Debitur 1,104 5,040 356,5%
Tingkat Suku Bunga 8.75% - 13.75% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 7,7 7,3 -0,4
NPL 5,6 2,6 -3,0
80 78 91 108 140
195 453
663 5.6
2.6
0.2 0.5 2.6
-2.0 4.0 6.0
-200 400 600
(%
)
(R
p
(16)
4.4
5.0 6.0
6.3
10.3 7.5 10.0 10.0
10.8 11.0
12.0
11.7 15.7
25.0 30.0 35.0 40.0 45.0 50.0
p
t
r)
Time Deposit Savings Account Current Account
Detail DPK (bank)
Detail DPK
(Rp miliar) 3Q11 3Q12
YoY (%)
Giro 10,772 15,678 45.5
Tabungan 4,356 6,275 44.0
Deposito 23,548 28,531 21.2
TOTAL 38,676 50,485 30.5
19.2 18.9 19.1 20.9 23.5
20.0 32.4
30.0 28.5 3.5 4.7 3.8
4.0 4.4
6.0
0.0 5.0 10.0 15.0 20.0 25.0
(R
p
t TOTAL 38,676 50,485 30.5
Rasio CASA (%) 39.1 43.5
Mata Uang
(Rp miliar) 3Q11 3Q12
YoY (%)
Rupiah 38,246 50,277 31.4
(17)
527 593
575
701 699 754 508 480 534 648 516 587 679 441 557 120 140 160 180 500 600 700 800
Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)
Kualitas Aktiva
Gross NPL (%)
(Bank) 3Q11 3Q12
Total Hapus Buku 9M12 (Rp miliar)
Konsumer 0.13 0.13 1.9
Mikro 5.1 4.9 100.6
Komersial 10.9 5.3 39.5
KPR 5.6 2.6 9.4
1.8 1.9 1.8
2.2 2.3 2.6
1.2 1.2 1.4 1.7
0.2 0.2 0.3 0.5
0.7 0.8 0.4
0.2
0.6 0.5
-0.5 1.0 1.5 2.0 2.5 3.0 (% )
Gross NPL Net NPL
368
403 406
324 334 441 0 20 40 60 80 100 -100 200 300
400 (%)
(R
p
b
n
(18)
Kredit Dalam Perhatian Khusus
516 44 88 3.1 2.6 3.6 2.5 3.0 3.5 4.0 1,000 1,200 1,400 l Lo a n s (% ) L o a n s (R p b n )Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)
51 56
54
46 46 28
42
51 45 44
4 3 1 2 2 4 2 5 7 7
60% 70% 80% 90% 100% ri b u ti o n ( % )
Consumer Micro Commercial Mortgage
25 24 21 33 25 28 19 37 37 51 68 109 95
147 195
247 278
332 344 524
103 182
138 159
190 113 224
438 365 516
8 8
3 7
7 15 9 44 60 1.0 1.5 1.2 1.5 1.7 1.5 2.0 -0.5 1.0 1.5 2.0 -200 400 600 800 S p e ci a l M e n ti o n /T o ta l Lo a A b so lu te S p e ci a l M e n ti o n L o a 12
7 8 9 6 7
4 4 5 4 33
34 37
42 47 61
52
39 43 44
0% 10% 20% 30% 40% 50% 60% S p e c ia l M e n ti o n C o n tr ib
(19)
Non Performing Loans
98 149 22 24 24 27 10 10 11 32 3.0 3.5 4.0 4.5 5.0 500 600 700 800 s ( % )Commercial (LHS) Micro (LHS) Consumer (LHS) Mortgage (LHS) % to Loans (RHS)
81 78 79 79 78
73 65
59
63 53
2 2 2 2 2 2 4
0 1 6
60% 70% 80% 90% 100% ti o n ( % )
Consumer Micro Commercial Mortgage
299 313 320 409 455 495 211 196 277 297 39 62 58 75 78 114 137 201 23 20 19 23 22 22 7 8 9 12 2 5 0.0 0.5 1.0 1.5 2.0 2.5 3.0 0 100 200 300 400 N P L /T o ta l L o a n s ( (R p b n )
6 5 5 4 4
3 7 7 5 5 11 15 14 15 17
22 24 34 31 36 81 0% 10% 20% 30% 40% 50% N P L C o n tr ib u ti o
(20)
7.0 7.5 8.0
12.0 13.0 14.0
Asset Yield (LHS) CoF (RHS) NIM (RHS)
Analisa Imbal Hasil
FY
• NIM 7.1% (+36bpsYoY/ +23bps QoQ)
• Cost of Fund 5.3% (-100bps YoY/-19bps QoQ)
• Asset Yield 12.5% (-40bps YoY/ +4bps QoQ)
• Kredit/total aktiva produktif 56.4% (-37%YoY/
-455bps QoQ)
5.0 5.5 6.0 6.5
8.0 9.0 10.0
11.0 (%)
(%
) (Rp bn) 3Q11 FY
2011 3Q12
Average
Earning Asset 42,699 43,892 51,660
Asset Yield 12.9 13.0 12.5
Average Interest Bearing
Liabilities
41,392 42,693 52,109
Cost of Fund 6.3 6.6 5.3
(21)
11 12
12 13 14 15 15 15 16 18 0 0 0 0 0 0 0 1 1 1
70% 80% 90% 100% rt io n ( % )
Consumer Micro Commercial Mortgage
Basis Nasabah
Growing Micro Loans Customer Based Relatively Stable Funding Mix QoQ
42 42
26
34 37 34 32
17 18
22 16 19 18 25 19 19 19
70% 80% 90% 100% n ( % )
Government Corporate Retail
87 86 84 84
83 82 82 82 80 79 0% 10% 20% 30% 40% 50% 60% N o o f A c c o u n t P ro p o rt i
41 40 24 58 48 45 25 40 47 49 42 42
54 37 50 41 0% 10% 20% 30% 40% 50% 60% F u n d in g P ro p o rt io n
(22)
Kecukupan Modal
Risk Weighted
Asset 3Q11 2Q12 3Q12
Risk Weighted Asset 17.291 25,235 25,197
Credit Risk 14.643 19,759 19,271
Operational Risk 2.416 5,191 5,191
Market Risk 231 284 735
CAR Analysis Risk
Addition to
RWA/ Net Impact to CAR
•RWA for Market Risk +184% MoM due to new Bank
Indonesia regulation regarding credit rating
requirement for marketable securities. Our holding of
non-rated bonds has caused the increasing RWA.
• Total CAR stable at 18.4%
RWA/Total Asset 41,8% 42.9% 38.7%
tier-1 4.178 4,665 4,726
tier -2 (82) (21) (81)
Total Capital 4.096 4,644 4,645
Tier-1 CAR 24,2% 18.5% 18.8%
Total CAR 23,7% 18.4% 18.4%
CAR Analysis Risk Weighting
RWA/ Rp1tr Net Expansion
to CAR (%)
Consumer Loans 50% Rp500bn 0.32
Micro Loans 75% Rp750bn 0.49
Commercial Loans 100% Rp1tr 0.67
(23)
Pendorong Pertumbuhan Baru
(24)
Micro Loans Performance
• Overall micro loans growth at +41% YoY/ +13.4% QoQ)
• Net expansion of Rp486bn QoQ
• Loans portfolio contribution to total loans at 12.6%
(+140bps YoY/ +93bps QoQ)
Pertumbuhan
• Overall NPL at 4.9% (-23bps YoY/ +110bps QoQ)
• Special Mention Loans at 12.7% (+427bps YoY/+325bps QoQ)
• Absolute Special Mention Loans at Rp524bn
(Rp277bn YoY/ Rp180bn QoQ)
• Absolute NPL at Rp201bn (+Rp51.8bn YoY/ +Rp64bn QoQ)
Kualitas
(25)
1.1 1.1
0.7 0.7
0.7 0.6 0.6 0.6 0.7 5.0 6.0 7.0 8.0 9.0 10.0 2.5 3.0 3.5 4.0 4.5 p t r) p t r)
Kredit Mikro Utama Government Program
KCR NPL (RHS)
Kredit Mikro
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 2,920 4,117 41,0%
Ekspansi Neto per Bulan (Rp miliar)
(0.4) 182
-Rata-rata Outstanding per
Debitur (Rp miliar)
44.9 52.5 16,9%
0.7 1.0
1.0
1.0 1.1 1.2 1.2 1.4
1.9 2.3 0.1
0.3 0.7
0.9 1.0
1.1 1.1 1.1 0.5 0.7 0.7 0.7 0.0 1.0 2.0 3.0 4.0 5.0 -0.5 1.0 1.5
2.0 (R
p
(R
p
Jumlah Debitur 64.966 78.348 20,6%
Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.5 12.7 +4.2
NPL 5.1 4.9 -0.2
(26)
Kredit Mikro Utama
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 1,157 2,337 102,1%
Ekspansi Neto per Bulan (Rp miliar)
6 160 2800,4%
Rata-rata Outstanding per Debitur
(Rp miliar)
25,3 40,0 57,9%
1.2 1.2 1.4
1.9 2.3
5.9
6.0 8.0 10.0 12.0
1.5 2.0 2.5
%
)
p
t
r)
Kredit Mikro Utama (LHS) NPL (RHS)
Jumlah Debitur 45.685 58.478 28,0%
Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 11,2 13,1 +1,9
NPL 5,9 3,8 -2,1
0.7
1.0 1.0 1.0 1.1
1.2 1.2
4.1 4.2 3.9
4.9 5.4
2.3 2.3 2.5 3.8
0.0 2.0 4.0 6.0
-0.5 1.0
(%
)
(R
p
(27)
691.4 854.7
986.7 1,099.5
1,143.6 1,128.3
1,110.9 1,118.0
5.5 6.0
8.4
6.0 8.0 10.0 12.0
800.0 1,000.0 1,200.0 1,400.0
%
)
p
b
n
)
Government Program (LHS) NPL (RHS)
Government Program
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 1,100 1.118 1,7%
Ekspansi Neto per Bulan (Rp miliar)
9.2 15.6 68,9%
Rata-rata Outstanding per Debitur
(Rp miliar)
81,1 74,8 -7,7%
113.2 344.7
691.4
- - 0.0 0.4 1.3
3.1 2.7
5.5
-2.0 4.0 6.0
-200.0 400.0 600.0
(%
)
(R
p
b (Rp miliar)
Jumlah Debitur 13.558 14.941 10,2%
Tingkat Suku Bunga 8.3% - 13% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.7 13.7 +5, 7
NPL 3.1 8.4 +5, 3
- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.
(28)
454.4 664.2
673.2
662.6 684.0 663.8
628.0 578.6
630.1 661.7 6.9
5.0 6.0 7.0 8.0
500.0 600.0 700.0 800.0
b
n
)
Others Micro Loans(LHS) NPL (RHS)
Other Micro Loans
*)
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 664 662 -0.3
Ekspansi Neto per Bulan (Rp miliar)
(15,2) 6.4 57.8
Rata-rata Outstanding per Debitur
(Rp miliar)
116 134 15.5
2.1 2.8
2.8 3.5
3.9
3.1
3.7 3.8
2.7
-1.0 2.0 3.0 4.0
-100.0 200.0 300.0
400.0 (%)
(R
p
b
n
Jumlah Debitur 5,723 4,929 -13.8
Tingkat Suku Bunga 5% - 19.57% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 3,4 9,7 +6,3
NPL 6,9 2,7 -4,2
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
(29)
Kredit Mikro Dalam Perhatian Khusus
- 3 6
21
33 39 39 43 37
29 15 13
8
13 14 9 11
6 6 12 60% 70% 80% 90% 100% o n tr ib u ti o n ( % )
KMU (LHS) Govt Program (LHS) Others (LHS)
152.8 22.0 64.0 8.5 9.4 10.8 9.5 12.7 8.0 10.0 12.0 14.0 400.0 500.0 600.0 o n L o a n s ( R p b n )
KMU (LHS) Govt Program (LHS)
Others (LHS) Special Mention Loans (RHS)
85
84 86 67
54 52 49 51 56 59 0% 10% 20% 30% 40% 50% S p e c ia l M e n ti o n C o n
57.8 91.4 81.5 98.1
105.1
129.0 137.7
169.4 194.5 307.3
-3.4 5.8 30.6
63.7
95.6 109.7 142.4 127.7 10.6 14.6 7.7 18.5 26.7 22.5 30.9
20.2 22.0
5.3 5.3
4.0 5.8 7.1 -2.0 4.0 6.0 8.0 -100.0 200.0
300.0 (%)
A b s o lu te S p e c ia l M e n ti o n
(30)
Non Performing Loans Kredit Mikro
-0 4 14
23
40 54 49
47 24
30
33 30 27 31 25
19 17 9 60% 70% 80% 90% 100% u ti o n ( % )
KMU (LHS) Govt Program (LHS) Others (LHS)
18.0 3.6 5.1 3.7 3.8 4.9 4.0 5.0 6.0 150.0 200.0 250.0 (R p b n )
KMU (LHS) Govt Program (LHS) Others (LHS) NPL (RHS)
76 70
67 66 59 46 35 27 34 44 40 54
0% 10% 20% 30% 40% 50% N P L C o n tr ib u t
30.0 43.8 38.7
49.5 57.9 68.7
27.6 31.2 46.6 89.4 -0.2 3.0 13.3 34.6 31.1 61.7 66.9 93.7 9.4
18.5 19.0 22.9 26.7 46.0 19.6 21.6 23.7 3.0 3.0
2.4 3.0 3.6 2.6 -1.0 2.0 3.0 -50.0 100.0 (% ) A b s o lu te N P L ( R
(31)
Bertumbuhnya Jumlah Nasabah
Jumlah nasabah kredit mikro terus
berkembang seiring dengan ekspansi
Waroeng
bjb
. Dalam 1 tahun terakhir, bank
bjb menambah 13,382 nasabah baru.
50.060.0 70.0 80.0 90.0
n
t
(0
0
0
)
Total Micro Kredit Mikro Utama Government Program Others
No. of Customer 3Q11 3Q12 YoY
Total Micro 64.966 78.348 +13.382
Kredit Mikro Utama 45.685 58.478 +12.793
Government Program 13.558 14.941 +1.383
Others 5.723 4.929 -794
-10.0 20.0 30.0 40.0 50.0
N
o
o
f
A
c
c
o
u
n
(32)
Proses Bisnis
Marketing
Proses Kredit
Penagihan
•
Staf
Marketing
•
Sales
•
Prosesor
•
Analis Kredit
•
Officer
•
Pemimpin
Cabang
•
Staf pick up
•
Staf supervisi
SDM Marketing Sales Prosesor Analis
Kredit Officer
Pemimpin
Cabang Pick-up Supervisi
NPL (%)
Total
(33)
Kinerja Bisnis Syariah
(34)
Ringkasan Kinerja
• Pendapatan Marjin Bersih Rp145bn (+31.8% YoY)
• Biaya Operasional Rp134bn (+36.7% YoY)
• Laba Bersih Rp10.8bn (-3.6% YoY)
Laba Rugi
• Total Pembiayaan Rp 2.4tr (+49.2% YoY)
• Total Pembiayaan Rp 2.4tr (+49.2% YoY)
• Total DPK Rp2.4tr (+38.9% YoY)
• Total Aktiva at Rp 3.2tr (+37.4% YoY)
Neraca
• NIM 7.2% (-70bps YoY)
• ROA 0.7 (-40bps YoY)
• ROE 2.7% (-30bps YoY)
• Gross NPF 4.8% (+310bps YoY)
Rasio
(35)
Rasio Penting
Rasio Penting (%) 3Q11 3Q12 YoY
CAR 31.8 25.4 -6.4
Gross NPF 1.7 4.8 +3.1
Net NPF 0.6 3.4 +2.8
ROA 1.1 0.7 -0.4
ROE 2.9 2.7 -0.3
NIM 7.9 7.2 -0.7
BOPO 85.9 90.5 +4.6
(36)
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta) 9M11 9M12 YoY (%)
Pendapatan Marjin 178,496 248,142 39.0
Biaya Marjin (68,250) (102,796) 50.6
Marjin Bersih 110,246 145,346 31.8
Pendapatan Operasional Lainnya 4,111 3,050 -25.8
Biaya Operasional (98,230) (134,245) 36.7
Pendapatan Operasional 16,127 14,151 -12.3
Pendapatan Non Operasional (Biaya) -31 246 -894
Laba Sebelum Pajak 16,096 14,397 -10.6
Beban Pajak (4,890) (3,599) -26.4
(37)
Neraca Keuangan
(Rp juta) 3Q11 3Q12 YoY (%)
Kas atau Setara Kas 13,388 19,681 47.0
Giro Pada Bank Indonesia 75,844 117,016 54.3
Cadangan Sekunder 592,404 608,704 2.8
Pembiayaan – Net 1,605,756 2,390,851 48.9
Aktiva Tetap – Net 5,649 16,152 185.9
Aktiva Lain-lain 38,987 49,777 27.7
Neraca
Total Aktiva 2,332,028 3,203,838 37.4
DPK 1,590,670 2,238,873 40.8
Pinjaman yang Diterima 152,064 253,058 66.4
Lainnya 70,009 83,487 19.3
Total Kewajiban 1,812,743 2,575,418 42.1
(38)
1.6 1.6 1.5 1.6
1.7 1.8 2.0
2.4
1.6 2.2
2.0
2.3 2.2
2.0 2.5 3.0
Total Financing Total Deposit
Kinerja Syariah
Pembiayaan 3Q11 3Q12 YoY
(%)
Murabahah – (Trading) 783 1,119 42.9
Ijarah 151 16 (89.4)
Musyarakah 302 744 146.4
Mudharabah 190 168 (11.6)
Qardh – (Bridging) 210 395 88.1
Isthisna – (Pawning) 4 6 50.0
Total Pembiayaan 1,640 2,448 49.3
1.6 1.6 1.5
1.3 1.1
1.4 1.6
-0.5 1.0 1.5
(R
p
t
r)
Funding 3Q11 3Q12 YoY
(%)
Wadiah Current Account 56 76 35.7
Mudharabah Current
Account 22 64 190.9
Wadiah Savings Account 60 69 15.0
Mudharabah Savings
Account 146 197 34.9
Mudharabah Time
(39)
Profil Perusahaan
(40)
Kepemilikan
Struktur Kepemilikan (%) Pendiri (Seri A) 75.00
Pemerintah Provinsi Jawa Barat 38,26
Pemerintah Kota/Kabupaten se- Jawa Barat
23,61
Pemerintah Provinsi Banten 5,37
Pemerintah Kota/Kabupaten se-Banten 7,76
West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series)
Seri B (Publik) 25,00
Lokal Perorangan 6.14
Lokal Institusi 12.40
Perorangan Asing 0.03
Institusi Asing 6.44
38.26
23.61 5.37
7.76
(41)
Road Map
2011-2012
2013-2014
2015
Building/Establishment
New Infrastructures
Strategy Strategy
Leading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
StrategyA Strong Sustainable Growth and Profitable National Bank
Developing HR
Competence, IT
Infrastructure,
and organization for :
o
Micro & SME
Financing
o
Consumer &
Commercial Banking
o
Treasury &
International
Matching the 10 Biggest
Banks in areas :
o
HR competence/ IT
o
Services
o
Bank bjb `incorporated`
Leading in Service and
Performance National Bank
(42)
Business and Strategic Alliances
Sustainable Profit
and Growth
SME /
Micro
Financing
Institutional & Commercial Banking Consumer Loans Consumer Deposit Treasury and International Subsidiary CompaniesoDeepening Our
Presence on West oImproving Loans Process oStrengthening Our Position on Civil oRebranding , oProviding Trade oAcquisition of Presence on West
Java and Banten Area
oDeveloping Waroeng BJB
oMSME Financial Intitution Strategic Alliances and Acquisition Process oRisk Management and Debtor Rating System
Position on Civil Servant Loans
oCentralized and Electronic Loans Infrastructure
oMulti-finance Company Acquisition
oRebranding , Network Expansion and Service Excellence oAggressive Sales and Promotion
oPricing Strategy
oProviding Trade Finance,
Remittances, and Dealing Services for Customers and Investors.
oStrategic Alliances with coresponden Bank Remittance Agencies o Insurance and Securities Companies to Provide All-in-One Banking Services
Risk Management
and Compliance
Improving HR Competencies
Through Extensive Training
Program & Professional Hire
Developing IT
Infrastructure and
e-banking Services
Network Expansion
and Services
Improvement
Enhance
Communication
with Investors
(43)
Pengukuran Profil Risiko Kantor Cabang
Branches Risk Credit Risk
Market Risk Compliance
Risk
Kedepan, bank
bjb
berupaya meningkatkan fungsi
manajemen risiko dengan menerapkan pendekatan
baru terhadap profil risiko Kantor Cabang melalui
pengukuran faktor – faktor sebagai berikut :
•
Risiko Pasar
Konsentrasi Special rate Deposito, rata – rata biaya
bunga, total penyaluran kredit valuta asing (valas)
•
Risiko Kredit
NPL level, konsentrasi kredit, total penyaluran kredit
per sektor ekonomi, total pencadangan kredit,
pertumbuhan aset
•
Risiko Likuiditas
Branches Risk Management
Approach
Liquidity Risk
Operational Risk
Legal Risk Strategic
Risk Reputational
Risk
•
Risiko Likuiditas
Pencairan Dana, Konsentrasi Dana Non Pemerintah
Daerah, rasio LDR
•
Risiko Strategis
Penerapan Balance Scorecard
•
Risiko Kepatuhan
Self Assessment Kantor Cabang
•
Risiko Operasional
Self Assessment Kantor Cabang
•
Risiko Hukum
Self Assessment Kantor Cabang
•
Risiko Reputasi
(44)
Jaringan Layanan
Jaringan Layanan bankbjb
Klasifikasi 2011 2Q12 3Q12 Expansion Plan in 2012 Realization
Kantor Cabang 51 56 56 5 5
Kantor Cabang Pembantu
(KCP) 203 215 215 96 12
Kantor Kas 55 81 114 85 59
Payment Point 89 95 97 23 8
Waroengbjb 0 436 437 448 437
Mobile Cash 7 7 7 4 0
Layanan Mitra Prioritas 11 11 11 0 0
Layanan Mitra Prioritas 11 11 11 0 0
Sub Total 416 901 937 661 521
ATM 528 598 674 472 146
)*bjb ATM can accessed by more than 167.000 ATM Bersama, ATM Prima/BCA, and Prima Debet Points
Kantor Cabang yang berlokasi di Luar Provinsi Jawa Barat dan Banten :
Jkt – Arthaloka Jkt – Hasyim Ashari Jkt – Mangga Dua Jkt - Rawamangun
Jkt – Kebayoran Baru Medan Denpasar Semarang
Makassar Pekanbaru Tegal Surabaya
(45)
1.2
92.0 6.7
Up to High School Up to Bachelor Degree Masters and Doctorate
Sumber Daya Manusia
Detail Pendidikan
Posisi 3Q11 3Q12
Komisaris 5 6
Direksi 6 6
Manajemen Puncak 19 29
Manajemen Madya 130 200
Manajemen Lini Pertama 780 1.109
64.2 20.4
15.5
<30 31 - 40 40 - 55
Detail Umur
Manajemen Lini Pertama 780 1.109
Staf 1,164 1,905
Masa Persiapan Pensiun 9 8
Total Permanen 2,113 3,251
Non Permanen 3,566 4,796
(46)
Kinerja Harga Saham
Grup Hubungan Investor Menara bank bjb 7thFloor
Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868
ext 7140/7141
ir@bankbjb.co.id
Contact Person: Hanel Topada Pemimpin Bagian 1000
1200 1400 1600 1800 2000
400 500 600 700 800
n
S
h
a
re
S
h
a
re
Volume (LHS) Price (RHS)
htopada@bankbjb.co.id
Irwan Riswandi Manajer Senior
iriswandi@bankbjb.co.id
Ari Budiman Manajer
abudiman@bankbjb.co.id
Muhammad As’adi Budiman Manajer Senior
mbudiman@bankbjb.co.id
0 200 400 600 800 1000
0 100 200 300 400
M
il
li
o
n
S
h
R
p
/S
h
(47)
Menara bank bjb
Jl. Naripan 12 – 14 7thFloor
(1)
Business and Strategic Alliances
Sustainable Profit
and Growth
SME /
Micro
Financing
Institutional & Commercial Banking Consumer Loans Consumer Deposit Treasury and International Subsidiary CompaniesoDeepening Our
Presence on West oImproving Loans Process oStrengthening Our Position on Civil oRebranding , oProviding Trade oAcquisition of Presence on West
Java and Banten Area
oDeveloping Waroeng BJB
oMSME Financial Intitution Strategic Alliances and Acquisition Process oRisk Management and Debtor Rating System
Position on Civil Servant Loans
oCentralized and Electronic Loans Infrastructure
oMulti-finance Company Acquisition
oRebranding , Network Expansion and Service Excellence oAggressive Sales and Promotion
oPricing Strategy
oProviding Trade Finance,
Remittances, and Dealing Services for Customers and Investors.
oStrategic Alliances with coresponden Bank Remittance Agencies o Insurance and Securities Companies to Provide All-in-One Banking Services
Risk Management
and Compliance
Improving HR Competencies
Through Extensive Training
Program & Professional Hire
Developing IT
Infrastructure and
e-Network Expansion
and Services
Enhance
Communication
(2)
Pengukuran Profil Risiko Kantor Cabang
Branches Risk
Credit Risk
Market Risk Compliance
Risk
Kedepan, bank
bjb
berupaya meningkatkan fungsi
manajemen risiko dengan menerapkan pendekatan
baru terhadap profil risiko Kantor Cabang melalui
pengukuran faktor – faktor sebagai berikut :
•
Risiko Pasar
Konsentrasi Special rate Deposito, rata – rata biaya
bunga, total penyaluran kredit valuta asing (valas)
•
Risiko Kredit
NPL level, konsentrasi kredit, total penyaluran kredit
per sektor ekonomi, total pencadangan kredit,
pertumbuhan aset
•
Risiko Likuiditas
Branches Risk Management
Approach
Liquidity Risk
Operational Risk Legal Risk
Strategic Risk Reputational
Risk
•
Risiko Likuiditas
Pencairan Dana, Konsentrasi Dana Non Pemerintah
Daerah, rasio LDR
•
Risiko Strategis
Penerapan Balance Scorecard
•
Risiko Kepatuhan
Self Assessment Kantor Cabang
•
Risiko Operasional
Self Assessment Kantor Cabang
•
Risiko Hukum
Self Assessment Kantor Cabang
•
Risiko Reputasi
(3)
Jaringan Layanan
Jaringan Layanan bankbjb
Klasifikasi 2011 2Q12 3Q12 Expansion Plan in 2012 Realization
Kantor Cabang 51 56 56 5 5
Kantor Cabang Pembantu
(KCP) 203 215 215 96 12
Kantor Kas 55 81 114 85 59
Payment Point 89 95 97 23 8
Waroengbjb 0 436 437 448 437
Mobile Cash 7 7 7 4 0
Layanan Mitra Prioritas 11 11 11 0 0
Layanan Mitra Prioritas 11 11 11 0 0
Sub Total 416 901 937 661 521
ATM 528 598 674 472 146
)*bjb ATM can accessed by more than 167.000 ATM Bersama, ATM Prima/BCA, and Prima Debet Points
Kantor Cabang yang berlokasi di Luar Provinsi Jawa Barat dan Banten :
Jkt – Arthaloka Jkt – Hasyim Ashari Jkt – Mangga Dua Jkt - Rawamangun
Jkt – Kebayoran Baru Medan Denpasar Semarang
(4)
1.2
92.0
6.7
Up to High School Up to Bachelor Degree Masters and Doctorate
Sumber Daya Manusia
Detail Pendidikan
Posisi 3Q11 3Q12
Komisaris 5 6
Direksi 6 6
Manajemen Puncak 19 29
Manajemen Madya 130 200
Manajemen Lini Pertama 780 1.109
64.2
20.4
15.5
<30 31 - 40 40 - 55
Detail Umur
Manajemen Lini Pertama 780 1.109
Staf 1,164 1,905
Masa Persiapan Pensiun 9 8
Total Permanen 2,113 3,251
Non Permanen 3,566 4,796
(5)
Kinerja Harga Saham
Grup Hubungan Investor
Menara bank bjb
7thFloor
Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id Contact Person: Hanel Topada Pemimpin Bagian 1000 1200 1400 1600 1800 2000 400 500 600 700 800 n S h a re S h a re
Volume (LHS) Price (RHS)
htopada@bankbjb.co.id Irwan Riswandi Manajer Senior iriswandi@bankbjb.co.id Ari Budiman Manajer abudiman@bankbjb.co.id
Muhammad As’adi Budiman Manajer Senior mbudiman@bankbjb.co.id 0 200 400 600 800 1000 0 100 200 300 400 M il li o n S h R p /S h a
(6)
Menara bank bjb Jl. Naripan 12 – 14 7thFloor