Kinerja Q4 2016 Press Dirut Des 2016
KONFERENSI PERS
Paparan Kinerja
Per 31 Desember 2016
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, 13 Februari 2017
KINERJA 2016
Per 31 Desember 2016, kinerja Bank BTN tumbuh pesat di atas
rata-rata industri perbankan
Q4 2015
Q4 2016
Y.O.Y % Rata-rata
Industri
171.808
214.168
24,66%
9,28%
*)
*)
Total Kredit & Pembiayaan (Rp Miliar)
138.956
164.446
18,34%
7,80%
**)
**)
Total Dana Pihak Ketiga (Rp Miliar)
127.746
160.192
25,40%
9,50%
**)
**)
1.851
2.619
41,49%
8,43%
*)
*)
CAR
16,97%
20,34%
NPL
3,42%
2,84%
FINANCIAL HIGHLIGHTS
Total Aset (Rp Miliar)
Laba Bersih (Rp Miliar)
*)
**)
Data per 30 November 2016
Data per 31 Desember 2016
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
KOMPOSISI KREDIT
Kredit di Sektor Perumahan tumbuh 18,43% y.o.y, pertumbuhan
didominasi oleh pertumbuhan penyaluran KPR Subsidi sebesar
30,57% y.o.y
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
DANA PIHAK KETIGA
Total Deposits Mix
(IDR Trillion)
CASA Composition
(%)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
Total Deposits
(IDR Trillion)
LAPORAN LABA/RUGI
Rp.
Miliar
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
TARGET BISNIS 2017
Growth
Ratio
Total Asset
22%
:
Total Loan & Financing
23%
:
20% -
CAR
: 17% - 19%
NPL (Gross)
21% -
Total Deposits
: 22% - 24%
Equity
: > 20%
Net Profit
: > 20%
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
NIM
: < 2.5%
: 4.5% - 5%
ROE
: 16% - 18%
ROA
: 1.6% - 1.8%
LDR
: 101% - 103%
STRATEGI BISNIS TAHUN
2017
“Digital banking-based transformation
to strengthen and expand the housing business”
Strengthen Mortgages
Mortgages Business
Business &
& Construction
Construction Value
Value Chain
Chain
Strengthen
Focus on
on housing
housing loans
loans &
& selective
selective non-housing
non-housing loans
loans
•• Focus
•
Build up
up construction
construction value
value chain
chain to
to boost
boost housing
housing supply
supply
• Build
•
Improving
collection
management
&
asset
recovery
effectiveness
• Improving collection management & asset recovery effectiveness
Increasing
Increasing Low
Low Cost
Cost &
& Sustainable
Sustainable Funding
Funding
•• Broaden
Broaden to
to emerging
emerging affluent
affluent segment
segment
•• Enhancing
cooperation
with
institutions
Enhancing cooperation with institutions
•• Wholesale
Wholesale funding
funding enlargement
enlargement
Boost up
up Fee-Based
Fee-Based Income
Income
Boost
•
Increasing
revenue
from transaction
transaction fee,
fee, digital
digital banking,
banking, wealth
wealth
• Increasing revenue from
management &
& bank
bank guarantee
guarantee
management
•
Optimizing revenue
revenue from
from written-off
written-off loans
loans
• Optimizing
Subsidiary establishment
establishment to
to support
support business
business
•• Subsidiary
Infrastructure
Infrastructure Reinforcement
Reinforcement
•• Build
up
digital
Build up digital banking
banking infrastructure
infrastructure
•• Centralized
Centralized operations
operations and
and process
process automation
automation
•• Strengthen
Good
Corporate
Governance
Strengthen Good Corporate Governance &
& Risk
Risk Management
Management
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
SHARIA BUSINESS
Sharia Net Profit
(IDR Billion)
%
3%
28
.13
8.1
R:: 2
AG
CA
GR
C
%
8%
.98
4.9
Y:: 4
44
Y
OY
YO
Sharia Assets
Sharia Deposits
(IDR Billion)
(IDR Billion)
%
1%
.01
4.0
24
R:: 2
CA
GR
AG
C
%
0%
.60
6.6
36
Y
Y:: 3
OY
YO
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
%
1%
27.11
R:: 27.1
CA
GR
AG
C
%
5%
.35
5.3
Y:: 3
35
OY
YO
Y
SHARIA FINANCINGS & NPF
Sharia Financings
Sharia Disbursement
(IDR Billion)
(IDR Billion)
%
9%
.09
4.0
24
R:: 2
C
GR
AG
CA
%
6%
13
.76
3.7
R:: 1
AG
CA
GR
C
%
4%
.74
6.7
26
Y
Y:: 2
OY
YO
Sharia NPF (Gross)
Sharia NPF (Net)
(%)
(%)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
%
2%
.22
9.2
Y:: 3
39
Y
OY
YO
OUTLET
I N D O N E S I A
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
Terima Kasih
Corporate Secretary Division
PT Bank Tabungan Negara (Persero) Tbk
Menara BTN Lt. 20 - Jl Gajah Mada No. 1
Jakarta Pusat - 10130
Telp : +62 21 6336789
Facs: +62 21 6336719
Email : csd@btn.co.id
Website : www.btn.co.id
Paparan Kinerja
Per 31 Desember 2016
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, 13 Februari 2017
KINERJA 2016
Per 31 Desember 2016, kinerja Bank BTN tumbuh pesat di atas
rata-rata industri perbankan
Q4 2015
Q4 2016
Y.O.Y % Rata-rata
Industri
171.808
214.168
24,66%
9,28%
*)
*)
Total Kredit & Pembiayaan (Rp Miliar)
138.956
164.446
18,34%
7,80%
**)
**)
Total Dana Pihak Ketiga (Rp Miliar)
127.746
160.192
25,40%
9,50%
**)
**)
1.851
2.619
41,49%
8,43%
*)
*)
CAR
16,97%
20,34%
NPL
3,42%
2,84%
FINANCIAL HIGHLIGHTS
Total Aset (Rp Miliar)
Laba Bersih (Rp Miliar)
*)
**)
Data per 30 November 2016
Data per 31 Desember 2016
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
KOMPOSISI KREDIT
Kredit di Sektor Perumahan tumbuh 18,43% y.o.y, pertumbuhan
didominasi oleh pertumbuhan penyaluran KPR Subsidi sebesar
30,57% y.o.y
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
DANA PIHAK KETIGA
Total Deposits Mix
(IDR Trillion)
CASA Composition
(%)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
Total Deposits
(IDR Trillion)
LAPORAN LABA/RUGI
Rp.
Miliar
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
TARGET BISNIS 2017
Growth
Ratio
Total Asset
22%
:
Total Loan & Financing
23%
:
20% -
CAR
: 17% - 19%
NPL (Gross)
21% -
Total Deposits
: 22% - 24%
Equity
: > 20%
Net Profit
: > 20%
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
NIM
: < 2.5%
: 4.5% - 5%
ROE
: 16% - 18%
ROA
: 1.6% - 1.8%
LDR
: 101% - 103%
STRATEGI BISNIS TAHUN
2017
“Digital banking-based transformation
to strengthen and expand the housing business”
Strengthen Mortgages
Mortgages Business
Business &
& Construction
Construction Value
Value Chain
Chain
Strengthen
Focus on
on housing
housing loans
loans &
& selective
selective non-housing
non-housing loans
loans
•• Focus
•
Build up
up construction
construction value
value chain
chain to
to boost
boost housing
housing supply
supply
• Build
•
Improving
collection
management
&
asset
recovery
effectiveness
• Improving collection management & asset recovery effectiveness
Increasing
Increasing Low
Low Cost
Cost &
& Sustainable
Sustainable Funding
Funding
•• Broaden
Broaden to
to emerging
emerging affluent
affluent segment
segment
•• Enhancing
cooperation
with
institutions
Enhancing cooperation with institutions
•• Wholesale
Wholesale funding
funding enlargement
enlargement
Boost up
up Fee-Based
Fee-Based Income
Income
Boost
•
Increasing
revenue
from transaction
transaction fee,
fee, digital
digital banking,
banking, wealth
wealth
• Increasing revenue from
management &
& bank
bank guarantee
guarantee
management
•
Optimizing revenue
revenue from
from written-off
written-off loans
loans
• Optimizing
Subsidiary establishment
establishment to
to support
support business
business
•• Subsidiary
Infrastructure
Infrastructure Reinforcement
Reinforcement
•• Build
up
digital
Build up digital banking
banking infrastructure
infrastructure
•• Centralized
Centralized operations
operations and
and process
process automation
automation
•• Strengthen
Good
Corporate
Governance
Strengthen Good Corporate Governance &
& Risk
Risk Management
Management
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
SHARIA BUSINESS
Sharia Net Profit
(IDR Billion)
%
3%
28
.13
8.1
R:: 2
AG
CA
GR
C
%
8%
.98
4.9
Y:: 4
44
Y
OY
YO
Sharia Assets
Sharia Deposits
(IDR Billion)
(IDR Billion)
%
1%
.01
4.0
24
R:: 2
CA
GR
AG
C
%
0%
.60
6.6
36
Y
Y:: 3
OY
YO
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
%
1%
27.11
R:: 27.1
CA
GR
AG
C
%
5%
.35
5.3
Y:: 3
35
OY
YO
Y
SHARIA FINANCINGS & NPF
Sharia Financings
Sharia Disbursement
(IDR Billion)
(IDR Billion)
%
9%
.09
4.0
24
R:: 2
C
GR
AG
CA
%
6%
13
.76
3.7
R:: 1
AG
CA
GR
C
%
4%
.74
6.7
26
Y
Y:: 2
OY
YO
Sharia NPF (Gross)
Sharia NPF (Net)
(%)
(%)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
%
2%
.22
9.2
Y:: 3
39
Y
OY
YO
OUTLET
I N D O N E S I A
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Corporate Secretary Division
Terima Kasih
Corporate Secretary Division
PT Bank Tabungan Negara (Persero) Tbk
Menara BTN Lt. 20 - Jl Gajah Mada No. 1
Jakarta Pusat - 10130
Telp : +62 21 6336789
Facs: +62 21 6336719
Email : csd@btn.co.id
Website : www.btn.co.id