ringkasan kinerja per 31 maret 2015 - bankbjb.co.id · 2 hal. 5 ringkasan kinerja hal. 10 breakdown...
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Hal. 5 Ringkasan Kinerja
Hal. 10 Breakdown Kredit
Hal. 15 Breakdown Dana Pihak Ketiga
Hal. 16 Kualitas Aktiva Produktif
Hal. 19 Analisis Imbal Hasil
Hal. 21 Kecukupan Modal
Hal. 22 Kinerja Kredit Konsumer (Detail)
Hal. 29 Kinerja Anak Perusahaan (bank bjb Syariah)
Hal. 35 Profil Perusahaan
Daftar Isi
3
Source: Bloomberg Source: Bloomberg
Source: Bloomberg Source: Bloomberg
Indeks Kepercayaan Konsumen Menurun
Ekonomi Makro
BI Rate turun 25 bps menjadi 7.50%
Pelemahan Rupiah Terus Berlanjut Tingkat Inflasi berada di Batas Atas
0
5
10
15
20
25
6000
7000
8000
9000
10000
11000
12000
13000
Yie
ld (
%)
USD
IDR
USDIDR 10Yr Govt Bond
0
2
4
6
8
10
(%)
GDP Growth BI Rate
0
20
40
60
80
100
120
140
Ind
ex
(po
ints
)
Consumer Confidence Index
0
2
4
6
8
10
12
14
(%)
CPI 1M JIBOR
4
Sektor Perbankan
Jan ’14 Jan ’15 YoY (%)
Total Kredit 3,285 3.667 +11.64
Total DPK 3,563 4.055 +14,23
LDR 90.47 88,48 -1,99
NPL 1.94 2.31 +0.37
ROA 2,90 2,82 -0,08
NIM 4.17 4.24 +0.07
Per Jan‘15, kinerja sektor perbankan adalah sbb:
• Total Kredit +11.64%YoY menjadi Rp3,667 tr (Kredit
Investasi +13.76 % YoY, Kredit Modal Kerja +10.73%
YoY, Kredit Konsumer +10.98% YoY)
• Total Dana Pihak Ketga +14.23% YoY menjadi
Rp4.106 tr (CASA -3,84% YoY, Deposito Berjangka
+24.07% YoY, Rasio CASA 51.51%)
• NPL +0,37% YoY menjadi 2,31%
• ROA -0,08% YoY menjadi 2.87%
Source: Bank Indonesia
Source: Bank Indonesia
-
5.0
10.0
15.0
20.0
25.0
30.0
35.0
40.0
Yo
Y G
row
th (
%)
Loans Growth Deposit Growth
-
10
20
30
40
50
60
Yo
Y G
row
th (
%)
Investment Loans WC Loans Consumer Loans
Ringkasan Kinerja
5
• Pendaptan Bunga Bersih Rp 1.2 T (+11.2% YoY/ +1.2% QoQ)
• Laba Operasional Sebelum CKPN Rp 559 M (+8.0% YoY/ +13.2% QoQ)
• Beban CKPN Rp 61 M (-40.9% YoY/ -60.2% QoQ)
• Laba Bersih Rp 388 M (+18.9% YoY/ -3.8% QoQ)
Laporan Laba Rugi
• Total Kredit Rp 49.9 T (+9.5% YoY/ +0.5% QoQ)
• Total Pembiayaan Syariah Rp 4.6 T (+27.3% YoY/ 5.5% QoQ)
• Total DPK Rp 71.4 T (+16.1% YoY/ +23.7% QoQ)
• Total Aset Rp 87.6 T (+11.0% YoY/ +15.5% QoQ)
Neraca
• NIM 6.8% (0bps YoY/ -3bps QoQ)
• ROA (Net) 2.0% (+13bps YoY/ +48bps QoQ)
• ROE (Net) 21.4% (+203bps YoY/ +483bps QoQ)
• NPL (Gross) 4.2% (+37bps YoY/ +3bps QoQ)
Rasio Keuangan
(bank)
Target dan Pencapaian
6
(%) Target 1Q14 2Q14 3Q14 4Q14 1Q15
Pertumbuhan
Kredit 14% - 15% 20.3 14.6 11.7 10.5 10.9
Pertumbuhan
Dana Pihak
Ketiga
16% - 17% 26.5 13.4 14.2 15.5 16.1
ROA (net) 1.7% - 1.9% 1.9 1.3 1.3 1.5 2.0
ROE (net) 16% - 19% 19.4 14.7 14.5 16.6 21.4
NIM 7% - 7.1% 6.8 6.4 6.7 6.8 6.8
Biaya Dana 5.4% - 5.8% 5.8 6.0 5.9 5.9 5.4
Rasio Cost to
Income 58% - 62% 55.4 59.8 59.4 61.8 59.3
NPL (Gross) 2.8% - 3% 3.8 4.0 4.1 4.2 4.2
Credit Cost 1.0% - 1.2% 1.4 1.4 1.6 1.5 1.4
Rasio CASA 55% - 6 0% 43.9 51.9 54.4 64.1 53.0
Rasio-Rasio Keuangan (bank)
7
Rasio Utama 1Q14 2Q14 3Q14 4Q14 1Q15
Profitabilitas
ROA (net) 1.9 1.3 1.3 1.5 2.0
ROE (net) 19.4 14.7 14.5 16.6 21.4
Rasio Efisiensi
Rasio Cost to Income 55.4 59.8 59.4 61.8 59.3
BOPO 79.6 85.0 85.2 85.9 78.0
Imbal Hasil
Imbal Hasil Asset 12.5 12.4 12.6 12.6 12.1
Biaya Dana 5.8 6.0 5.9 5.9 5.4
NIM 6.8 6.4 6.7 6.8 6.8
LDR 78.2 80.5 79.7 93.2 74.6
Kualitas Aktiva
Rasio Kredit Dapersus 3.8 3.9 3.4 3.2 3.3
NPL (Gross) 3.8 4.0 4.1 4.2 4.2
NPL (Net) 1.3 1.1 1.0 1.0 1.1
Coverage Ratio 68.5 73.5 79.4 77.2 75.8
CKPN / Total Kredit 2.6 2.9 3.4 3.2 3.2
Credit Cost 1.4 1.4 1.6 1.5 1.4
Permodalan
CAR 16.2 15.8 16.2 16.1 15.6
Laporan Laba Rugi
8
Laporan Laba Rugi
(Rp Miliar) 1Q14 1Q15
YoY
(%)
Pendapatan Bunga 2,125 2,265 6.6%
Beban Bunga 1,045 1,064 1.8%
Pendapatan Bunga Bersih 1,080 1,201 11.2%
Fee Based Income 65 88 35.4%
Beban Operasional 643 750 16.8%
Gain (Loss) on Financial Statement 15 20 34.4%
Laba Operasional Sebelum CKPN 517 559 8.0%
Beban CKPN 104 61 -40.9%
Pendaptan Non Operasional 1 (7) -
Laba Sebelum Pajak 414 491 18.5%
Beban Pajak (88) (102) 16.9%
Laba Bersih 326 388 18.9%
Neraca
9
Neraca
(Rp Miliar) 1Q14 2Q14 3Q14 4Q14 1Q15
YoY
(%)
Kas atau Setara Kas 1,607 1,984 1,763 2,768 1,726 7.4%
Giro pada Bank
Indonesia 4,622 4,861 4,839 5,178 5,127 10.9%
Cadangan Sekunder 21,393 18,296 17,411 12,599 24,908 16.4%
Kredit (net) 44,329 46,554 47,602 48,028 48,280 8.9%
Pembiayaan Syariah
(net) 3,588 3,770 4,014 4,301 4,528 26.2%
Aktiva Tetap (net) 698 683 672 664 648 -7.1%
Aktiva Lainnya 2,662 2,433 2,430 2,299 2,342 -12.0%
Total Aktiva 78,899 78,581 78,731 75,837 87,559 11.0%
Total Dana Pihak Ketiga 61,522 62,435 64,587 57,741 71,417 16.1%
Surat Berharga Yang
Diterbitkan 2,121 2,121 1,722 1,722 1,722 -18.8%
Pinjaman Diterima 6,643 6,165 4,498 6,443 5,311 -20.0%
Lainnya 2,326 1,422 1,248 2,847 2,333 0.3%
Total Kewajiban 72,612 72,143 72,055 68,753 80,783 11.3%
Total Ekuitas 6,287 6,438 6,676 7,084 6,776 7.8%
Breakdown Kredit (bank)
10
Segmen
(Rp Miliar) 1Q14 1Q15
YoY
(%)
Konsumer 29,892 34,681 16.0 %
Mikro 5,166 4,182 -19.1 %
Komersial 6,091 6,271 3.0 %
KPR 4,143 4,480 8.1 %
Total Kredit 45,293 49,614 9.5 %
Mata Uang
(Rp Miliar) 1Q14 1Q15
YoY
(%)
Rupiah 45,077 49,437 9.7%
Valas 216 177 -17.7%
24.5 26.7 27.9 28.9 29.9 31.5 32.7 33.6 34.7
5.1
5.5 5.5
5.4 5.2
5.1 4.8 4.5
4.2
5.8
6.5 7.0 7.0 6.1
6.8 7.2 6.8 6.3
2.3
2.9
3.5 3.9 4.1
4.3 4.3 4.4 4.5
0
10
20
30
40
50
60
(Rp tr)
Consumer Micro Commercial Mortgage
Kredit Konsumer
11
Indikator Utama 1Q14 1Q15 YoY
(%)
Posisi Kredit 29,892 34,681 16.0 %
Ekspansi Netto
(Rp Miliar) 1,035 1,103 6.5%
Rata-Rata Per
Debitur
(Rp Miliar)
87 98 12.1 %
Jumlah Debitur 343,193 355,239 3.5 %
Tingkat Suku
Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
(%)
Dalam Perhatian
Khusus 0.22 0.21 -0.01
NPL 0.11 0.09 -0.02
23.4 25.3 26.1 26.8 27.7
29.1 30.2 30.9 31.9
1.1
1.5 1.7
2.0 2.2
2.4 2.5
2.6 2.8
0.0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1.0
0
5
10
15
20
25
30
35
40
(%)
(Rp tr)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
Kredit Mikro
*Kredit Mikro Utama
12
Kualitas Aktiva 1Q14 1Q15 YoY
(%)
Dalam Perhatian
Khusus 18.3 13.7 -4.6
NPL 16.4 25.5 +9.1
Key Ratios 1Q14 1Q15 YoY
(%)
Posisi Kredit 5,166 4,182 -19.1 %
Ekspansi Netto
(Rp Miliar) (187) (324) -72.9%
Rata-Rata per
Debitur
(Rp Miliar)
55 56 1.9 %
Jumlah Debitur 93,408 74,186 -20.6 %
Tingkat Suku
Bunga* 11.0% - 27.5% eff. p.a.
3.2 3.6 3.6 3.4 3.3
3.1 2.7
2.4 2.2
1.2
1.3 1.2 1.3
1.3 1.3
1.2
1.2
1.1
0.6
0.7 0.7 0.7
0.6 0.7
0.8
0.9
0.9
0.0
5.0
10.0
15.0
20.0
25.0
30.0
-
1.0
2.0
3.0
4.0
5.0
6.0
(%)
(Rp tr)
KMU (LHS) Govt Program (LHS) KCR (LHS) NPL (RHS)
Kredit Komersial
13
Key Ratios 1Q14 1Q15 YoY
(%)
Posisi Kredit 6,091 6,271 3.0 %
Ekspansi Netto
(Rp Miliar) (897) (578) 35.6%
Rata-Rata per
Debitur
(Rp Miliar)
923 1,269 37.5 %
Jumlah Debitur 6,600 4,942 -25.1 %
Tingkat Suku
Bunga 6.3% -14.5% eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
(%)
Dalam Perhatian
Khusus 4.5 4.5 -
NPL 11.1 11.4 +0.3
3.9 4.3
4.8 4.5
3.5
4.2 4.5
4.0
3.3
1.2
1.3
1.3 1.5
1.4
1.5
1.5
1.6
1.6
0.8
0.9
1.0 1.0
1.1
1.2
1.1
1.3
1.3
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
11.0
12.0
13.0
14.0
15.0
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
(%)
(Rp tr)
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Kredit Pemilikan Rumah
14
Key Ratios 1Q14 1Q15 YoY
(%)
Posisi Kredit 4,143 4,480 8.1 %
Ekspansi Netto
(Rp Miliar) 232 36 -84.5%
Rata-Rata per
Debitur
(Rp Miliar)
271 254 -6.2 %
Jumlah Debtitur 15,271 17,609 15.3 %
Tingkat Suku
Bunga 7.3% - 13.7% eff. p.a.
Kualitas Aktiva 1Q14 1Q15 YoY
(%)
Dalam Perhatian
Khusus 10.5 15.4 +4.9
NPL 4.1 5.9 +1.8
2,287
2,916
3,506
3,911
4,143 4,282 4,280
4,444 4,480
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
11.0
12.0
13.0
14.0
15.0
-
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
(Rp b
n)
Mortgage Loans (LHS) NPL (RHS)
Breakdown Dana Pihak Ketiga (bank)
15
Breakdown
Dana Pihak Ketiga
(Rp Miliar)
1Q14 1Q15 YoY
(%)
Giro 16,568 25,581 54.4 %
Tabungan 8,874 9,678 9.1 %
Deposito 32,489 31,277 -3.7 %
TOTAL 57,931 66,536 14.9 %
Rasio CASA (%) 43.9 53.0 +9.1
Mata Uang
(Rp Miliar) 1Q14 1Q15
YoY
(%)
Rupiah 57,172 66,310 16.0%
Valas 759 226 -70.2%
15.5 17.4 18.2 16.4 16.6
21.8 23.9
21.5 25.6
7.1 7.6
8.2 11.8 8.9
9.0 9.5 12.4
9.7
22.6
26.6 27.0
18.6
32.5
28.5 28.0
19.0
31.3
0
10
20
30
40
50
60
70
(Rp tr)
Current Account Savings Account Time Deposit
Kualitas Aktiva Produktif
16
NPL Gross
(%)
(Bank only)
1Q14 1Q15 YoY
(%)
PH
2015
(Rp
Miliar)
Konsumer 0.11 0.09 -0.02 -
Mikro 16.4 25.5 +9.1 65
Komersial 11.1 11.4 +0.3 63
KPR 4.1 5.9 +1.8 -
Total 3.8 4.2 +0.4 128
2.1 2.3
2.5
2.8
3.8 4.0
4.1 4.2 4.2
0.7 0.6 0.6 0.6
1.3 1.1 1.0 1.0 1.1
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
(%)
Gross NPL Net NPL
621
786
896
1,017
1,185
1,393
1,612 1,584 1,574
796
962
1,081
1,277
1,731
1,894
2,030 2,052 2,077
0
10
20
30
40
50
60
70
80
90
100
-
500
1,000
1,500
2,000
2,500
(%)
(Rp b
n)
Credit Provision (LHS) Absolute NPL (LHS)
Coverage Ratio (RHS)
Kredit Dalam Perhatian Khusus
17
67 63 54 64 67 84 70 53 73
790
997 1,011 900 943 920
741 647 572
420
304 323 378 275 297
289
323 280
210
254 294
347
434 543
567
568
692
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
-
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
Specia
l M
ention/T
ota
l Loans (
%)
Absolu
te S
pecia
l M
ention L
oans (
Rp b
n)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
4 4 3 4 4 5 4 3
53
62 60 53 55
50 44
41
28 19
19
22 16
16
17 20
14 16 17
21 25
29 34 36
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Specia
l M
ention C
ontr
ibution (
%)
Consumer Micro Commercial Mortgage
Non Performing Loans
18
30 29 31 34 33 35 33 29 32
289 378
484 607
849 960
1,059 1,024 1,066 408
467
454
517
679
705
715 771 715
68
87
112
119
171
194
223 228 264
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
-
500
1,000
1,500
2,000
2,500
Net P
erf
orm
ing L
oan/T
ota
l Loans (
%)
Absolu
te N
et
Perf
orm
ing L
oans (
Rp b
n)
Consumer (LHS) Micro (LHS)
Commercial (LHS) Mortgage (LHS)
% to Loans (RHS)
4 3 3 3 2 2 2 1 2
36 39 45 48 49 51 52
50 51
51 49 42
40 39 37 35 38 34
9 9 10
9 10 10 11 11 13
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
ontr
ibution (
%)
Consumer Micro Commercial Mortgage
Analisis Imbal Hasil
19
Imbal Hasil Aktiva 1Q14 1Q15
Penempatan pada BI 4.4 3.1
Penempatan pada Bank Lain 3.2 4.7
Surat Berharga 5.9 6.1
Kredit 15.5 15.0
Lainnya 1.0 0.4
Biaya Dana 1Q14 1Q15
Kewajiban pada Bank Lain 7.2 5.5
Surat Berharga yang
Diterbitkan 9.0 11.0
DPK dari Masyarakat 5.4 5.2
Giro 2.3 2.0
Deposito 8.3 8.6
Tabungan 1.8 1.6
Pinjaman DIterima - -
Placement to Bank
Indonesia 9.5%
Interbank Placement
3.1%
Marketable Securities
15.1%
Loans 71.4%
Others 1.0%
Current Account 35.3%
Savings Account 13.3%
Time Deposit 43.1%
Interbank Lending
5.9% Bonds 2.4%
Komposisi Nasabah
20
76.2 74.8 74.3 74.3 74.9 75.2 75.9 77.2 78.6
19.9 20.7 20.8 20.7 20.4 19.6 18.6 17.6 16.4
2.0 2.2 2.1 1.9 1.4 1.7 1.9 1.4 1.1
1.9 2.3 2.7 3.1 3.3 3.5 3.6 3.8 3.9
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Lendin
g P
roport
ion (
%)
Consumer Micro Commercial Mortgage
1.2 0.9 0.8 0.4 0.4 0.4 0.4 0.5 0.5
14.4 14.8 12.6
7.6 7.7 7.6 7.8 8.6 9.0
84.5 84.3 86.6 92.0 91.8 92.0 91.8 90.9 90.5
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Fundin
g P
roport
ion (
%)
Government Corporate Retail
Kecukupan Modal
21
Aktiva
Tertimbang
Menurut Risiko
(ATMR)
1Q14 1Q15 YoY (%)
Total ATMR 33,596 36,494 8.6 %
Risiko Kredit 25,290 27,115 7.2 %
Risiko Operasional 7,204 8,150 13.1 %
Risiko Pasar 1,102 1,229 11.5 %
ATMR/Total Aktiva 45.3% 44.6% -0.7%
Modal Inti 5,433 5,679 4.5 %
Modal Pelengkap (5) 17 -
Total Modal 5,428 5,696 5.0 %
Tier-1 CAR 16.2% 15.6% -0.6%
Total CAR 16.2% 15.6% -0.6%
Analisa KPMM ATMR
Penambahan
ATMR Untuk
Ekspansi Rp
1 Triliun (net)
Dampak thd
KPMM
(%)
Kredit Konsumer 50% Rp 500 M 0.21
Kredit Mikro 75% Rp 750 M 0.31
Kredit Komersial 100% Rp 1 T 0.42
KPR 40% Rp 400 M 0.17
•Total Modal sebesar Rp 5.7 T ( +Rp 269 M YoY)
• Total CAR 15.6% (-54bps YoY)
• Total Kredit Konsumer Rp 34.7 T(+16.0% YoY/ +3.3% QoQ)
• Ekspansi netto sebesar Rp 4.8tr YoY/ +1.1tr QoQ
• Total Kredit Konsumer berkontribusi sebesar 69.9% ( +390bps YoY/ +190bps QoQ)
• Jumlah Debitur sebesar 355,239 Nasabah (+12,046 YoY/ +4,793 QoQ)
Pertumbuhan
• NPL 0.09 % (-2bps YoY/ +1bps QoQ)
• NPL Nominal sebesar Rp 32.5 bn (-0.4bn YoY/ +3.9bn QoQ)
• Kredit Dalam Perhatian Khusus 0.21% (-1bps YoY/ +5bps QoQ)
• Kredit Dalam Perhatian Khusus sebesar Rp 72.6 bn (+5.8bn YoY/ +19.4bn QoQ)
Kualitas
Kinerja Kredit Konsumer
23
Kredit Konsumer
24
Indikator Utama 1Q14 1Q15 YoY
(%)
Posisi Kredit 29,892 34,681 16.0 %
Ekspansi Netto
(Rp Miliar) 1,035 1,103 6.5%
Rata-Rata per
Debitur
(Rp Miliar)
87 98 12.1 %
Jumlah Debitur 343,193 355,239 3.5 %
Tingkat Suku
Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
(%)
Dalam Perhatian
Khusus 0.22 0.21 -0.01
NPL 0.11 0.09 -0.02
23.4 25.3 26.1 26.8 27.7
29.1 30.2 30.9 31.9
1.11
1.46 1.74
2.02
2.21 2.41
2.52 2.64
2.79
0.0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1.0
0
5
10
15
20
25
30
35
40
(%)
(Rp tr)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
Kredit Kepada Pegawai Negeri Sipil
Indikator Utama 1Q14 1Q15 YoY
(%)
Posisi Kredit 27,682 31,888 15.2 %
Ekspansi Netto
(Rp Miliar) 843 951 12.8%
Rata-Rata per
Debitur
(Rp Miliar)
88 99 12.5 %
Jumlah Debitur 312,969 320,611 2.4 %
Tingkat Suku Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
Dalam Perhatian
Khusus 0.21 0.20 -0.01
NPL 0.11 0.09 -0.02
25
23.4 25.3
26.1
26.8
27.7 29.1
30.2
30.9
31.9
0.12
0.11
0.11
0.12
0.11
0.11
0.10
0.08
0.09
0.0
0.1
0.2
0.3
0.4
0.5
0
5
10
15
20
25
30
35
(%)
(Rp tr)
Civil Servant Loans (LHS) NPL (RHS)
Kredit Kepada Pensiunan
Indikator Utama 1Q14 1Q15 YoY
(%)
Posisi Kredit 2,210 2,793 26.3 %
Ekspansi Netto
(Rp Miliar) 192 152 -21.1%
Rata-Rata per
Debitur
(Rp Miliar)
73 81 10.3 %
Jumlah Debitur 30,224 34,628 14.6 %
Tingkat Suku
Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
Dalam Perhatian
Khusus 0.39 0.31 -0.08
NPL 0.10 0.12 +0.02
26
1,109
1,464
1,743 2,018
2,210 2,407
2,519 2,641
2,793
0.11
0.08
0.09
0.12
0.10
0.12 0.12
0.11
0.12
0.0
0.1
0.2
0
500
1,000
1,500
2,000
2,500
3,000
(%)
(Rp tr)
Pensioner Loans (LHS) NPL (RHS)
Kredit Dalam Perhatian Khusus
27
Nominal Kredit Dalam Perhatian Khusus +8.7% YoY Kontribusi Kredi Pensiunan +6.8% YoY
61.3 56.2 48.3 55.6 58.3 72.4 59.8 45.1 64.0
5.6
6.5
5.7
8.1 8.5
11.6
10.6
8.1
8.6
0.3
0.2
0.2
0.2 0.2
0.3
0.2
0.2
0.2
-
0.1
0.2
0.3
0.4
0.5
0
10
20
30
40
50
60
70
80
90
Specia
l M
ention L
oans (
%)
Absolu
te S
pecia
l M
ention L
oans (
Rp b
n)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
Special Mention Loans (RHS)
91.7 89.7 89.5 87.2 87.2 86.2 84.9 84.8 88.2
8.3 10.3 10.5 12.8 12.8 13.8 15.1 15.2 11.8
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Specia
l M
ention L
aons C
ontr
ibution (
%)
Civil Servant Loans Pensioner Loans
Non Performing Loans
28
NPL Nominal Kredit Konsumer -1.1% YoY Kontribusi Kredit Pensiunan +7.6% YoY
29.0 28.1 29.7
31.3 30.7 32.0
30.3
25.7
29.2
1.3 1.1
1.6
2.4 2.2
3.0
2.9
2.8
3.3
0.1 0.1 0.1 0.1 0.1 0.1
0.1 0.1
0.1
0.0
0.1
0.2
0.3
0.4
0.5
0
5
10
15
20
25
30
35
40
NP
L (
%)
Absolu
te N
PL (
Rp b
n)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
95.9 96.1
94.8
92.8
93.4 91.5
91.3 90.1 89.8
4.1 3.9 5.2 7.2 6.6 8.5 8.7 9.9 10.2
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
ontr
ibution (
%)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
Ringkasan Kinerja
30
• Pendapatan Marjin Bersih Rp 75.5 M (+37.4% YoY)
• Beban Operasional Rp 85.5 M (+39.1% YoY)
• Laba Bersih Rp 727 Juta (-27.4% YoY)
Laporan Laba Rugi
• Total Pembiayan Rp 4.6 T (+27.3% YoY)
• Total Dana Pihak Ketiga Rp 4.8 T (+37.0% YoY)
• Total Aktiva at Rp 6.0 T (+17.0% YoY) Neraca
• NIM at 6.2% (+62bps YoY)
• ROA at 0.1% (-7bps YoY)
• ROE at 0.5% (-18bps YoY)
• NPF Gross at 7.2% (+423bps YoY)
Rasio Keuangan
(bank)
Rasio Keuangan
31
Rasio Utama (%) 1Q14 1Q15 YoY
CAR 18.1% 13.7% -4.4%
NPF Gross 3.0% 7.2% +4.2%
NPF Nett 2.3% 5.0% +2.7%
ROA 0.1% 0.1% -
ROE 0.7% 0.5% -0.2%
NIM 5.6% 6.2% +0.6%
BOPO 97.4% 98.7% +1.3%
FDR 87.5% 88.5% +1.0%
Laporan Laba Rugi
32
Laporan Laba Rugi
(Rp Juta) 1Q14 1Q15 YoY
Pendapatan Marjjin 137,639 173,309 25.9%
Beban Marjin 82,695 97,811 18.3%
Marjin Bersih 54,944 75,498 37.4%
Pendapatan Operasional Lainnya 8,175 11,149 36.4%
Beban Operasional 61,489 85,544 39.1%
Pendapatan Operasional 1,630 1,103 -32.3%
Pendapatan (Biaya) Non Operasional 135 5 -96.3%
Laba Sebelum Pajak 1,765 1,108 -37.2%
Beban Pajak (764) (381) -50.1%
Laba Bersih 1,001 727 -27.4%
Neraca
33
Ringakasan Neraca
(Rp Juta) 1Q14 1Q15 YoY
Kas atau Setara Kas 27,513 27,806 1.1%
Giro pada Bank Indonesia 165,055 220,552 33.6%
Cadangan Sekunder 1,082,651 961,291 -11.2%
Pembiayaan-net 3,587,975 4,528,102 26.2%
Aktiva Tetap-net 164,176 158,884 -3.2%
Aktiva Lainnya 95,848 99,126 3.4%
Total Aktiva 5,123,218 5,995,761 17.0%
Total Dana Pihak Ketiga 3,466,662 4,750,923 37.0%
Pinjaman Diterima 974,631 542,113 -44.4%
Lainnya 64,917 63,247 -2.6%
Total Kewajiban 4,506,210 5,356,283 18.9%
Total Ekuitas 617,008 639,478 3.6%
Kinerja Bisnis
34
Penyaluran Dana
(Rp Juta) 1Q14 1Q15
YoY
(%)
Murabahah 2,218,215 3,378,998 52.3%
Ijarah 14,591 53,150 264.3%
Pembiayaan 1,259,359 1,116,509 -11.3%
Qardh 148,930 88,075 -40.9%
Isthisna 5,390 3,977 -26.2%
Total Pembiayaan (Gross) 3,646,485 4,640,709 27.3%
Penghimpunan Dana
(Rp Juta) 1Q14 1Q15
YoY
(%)
Wadiah 72,474 85,463 17.9%
Wadiah 104,799 144,039 37.4%
Mudharabah 328,308 515,923 57.1%
Mudharabah 2,961,082 4,005,499 35.3%
Total Dana Pihak Ketiga 3,466,662 4,750,923 37.0%
3.1
3.4
3.7 3.6 3.6
3.8
4.1
4.4
4.6
3.3
3.5
3.1 3.1
4.2
3.0 3.0
4.6 4.8
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
5.0
(Rp
tr)
Total Financing Total Funding
36
Struktur Pemegang Saham
Struktur Pemegang Saham 1Q14 1Q15
Seri A 75.00 75.00
Pemerintah Prop. Jawa Barat 38,26 38,26
Pemerintah Kota/Kab. Se-Prop.
Jawa Barat
23,61 23,61
Pemerintah Prop. Banten 5,37 5,37
Pemerintah Kota/Kab. Se-Prop.
Banten
7,76 7,76
Seri B 25,00 25,00
Perorangan Dalam Negeri 4,90 4,94
Institusi Dalam Negeri 5,42 5,52
Perorangan Asing 0,02 0,02
Institusi Asing 14,66 14,52
Road Map
2015 2016-2017 2018 - 2019 2020
Build Strong
Foundation
Strategy
• Increasing Deposit Market Share
• Improving Loans Quality And Distribution
• Increasing Capital Adequacy
• Developing Support Functions :
o Enhancing Information Technology, Network And Services
o Improving Human Capital
o Widening Services Policy
o Improving Cost Control
o Implementing Risk Management And Credit Risk Principles
o Enhancing Audit Function, Legal And Compliance
o Improving Corporate Secretary Function
o Increasing Performance Of Subsidiaries
Strategy
Quality Growth A Bank With Excellent
Performance And Services
Strategy
To Build Sustainable Growth And Excellent Performance Bank
Ready For Asean Economic
Community (AEC)
37
Aliansi Bisnis dan Strategi
Sustainable Growth and Excellent
Performance Bank
Micro Loans
Commercial & Corporate
Loans
Consumer Loans &
Mortgage
Consumer &
Institutions Deposit
Treasury and International
Subsidiary Companies
oImproving Micro
Loans Quality
oRedesign
Organizational
Structure & Business
Process
oLinkage And
Strategic Alliances
With Rural Bank
oImproving Loans
Process Through
Four Eyes
Principles
oRisk Management
And Expanding
Quality Growth
oOrganic And
Inorganic Growth
o More Focus On
Pensioner Loans
oIncreasing
CASA
Composition
Through Cash
Management
o Developing
Internet &
Mobile Banking
oBuilding Deposit
& Services
Infrastructure
oProviding Trade
Finance,
Remittances, and
Dealing Services for
Customers
oOptimization Of
Capital Market,
Foreign Exchange &
Derivatives
o Enhancing
Performance
Of Subsidiaries
Risk Management
and Credit Risk
Improving Organizational Structure
And HR Competencies Through
Extensive Training Program
Developing Audit
Function, Legal And
Compliance
Network Expansion
IT, and Services
Improvement
Enhance
Communication
with Investors
Support Strategy
38
Jaringan dan Layanan
Total bjb
employees
7,041
Total bjb
customers
4,452,735
Banten
Deposits 12.9 Tr
Loans 8.1 Tr
Micro Loans 390 bn
Profit 234 bn
809,498 Customers
8 Branch Offices
45 Sub Branches
45 Cash Offices
39 Payment Point
203 ATM Unit
98 Waroeng bjb
871 Employees
West Java
Deposits 41.4 Tr
Loans 33.2 Tr
Micro Loans 3.15 Tr
Profit West Java 852 bn
Loss Head Oficce 661 bn
3,523,321 Customers
32 Branch Offices
196 Sub Branch
259 Cash Offices
92 Payment Point
783 ATM Unit
339 Waroeng bjb
5,179 Employees
Others
Deposits 2.0 Tr
Loans 3.2 Tr
Micro Loans 429 bn
Profit 17 bn
48,849 Customers
13 Branch Offices
13 Sub Branch
Offices
4 Cash Offices
94 ATM Unit
25 Waroeng bjb
407 Employees
Jakarta
Deposits 10.1 Tr
Loans 5.1 Tr
Micro Loans 215 bn
Profit 46.8 bn
71,067 Customers
9 Branch Offices
58 Sub Branches
5 Cash Offices
1 Payment Point
117 ATM Unit
24 Waroeng bjb
584 Employees
39
Detail Jaringan dan Layanan
40
No Jaringan Kantor 1Q14 1Q15 YoY
1 Kantor Cabang 62 62 -
2 KCP 306 312 6
3 Kantor Kas 281 313 32
4 Payment Point 112 132 20
5 ATM 1,168 1,197 29
6 Waroeng bjb (A,B & C) 510 486 -24
7 Layanan bjb Precious 11 11 -
8 Sentra UMKM 6 6 -
9 Kas Mobil 11 11 -
10 Weekend Banking 22 22 -
11 Cabang Devisa 47 47 -
Total 2,536 2,599 63
41
Sumber Daya Manusia
Age Breakdown
Educational Breakdown Level 1Q14 1Q15 YoY
Dewan Komisaris 5 4 -1
Direksi 4 6 2
Manajemen Puncak 34 30 -4
Manajemen Madya 222 218 -4
Manajemen Lini Pertama 1,626 1,683 57
Staff 4,735 5,095 360
Pegawai MPP 2 5 3
Total Pegawai Tetap 6,628 7,041 413
Pegawai Kontrak Divisi Mikro 1,948 501 -1,447
Lain-Lain 2,561 2,661 100
Total Pegawai Kontrak 4,509 3,162 -1,347
Total Pegawai 11,137 10,203 -934
18 - 30 79%
41 - 40 15%
41 - 50 5%
> 50 1%
18 - 30 31 - 40 41 - 50 > 50
Up to High School
0%
Up to Bachelor Degree
96%
Masters and Doctorate
4%
Up to High School Up to Bachelor Degree Masters and Doctorate
42
Penghargaan 2014-2015
Infobank-MRI 2014 Banking Service Excellent
Awards –
2nd Best Phone Handling Commercial Banking
Infobank-MRI 2014 Banking Service Excellent
Awards –
1st Best ATM Commercial Banking
Indonesia WOW Brand Award 2014 – Gold
Champion Category Saving Account (BUKU III)
Infobank Awards –
Financial Performance “Very Good” In 2013 Markplus Awards – The Best Of Indonesian Bank
Loyalty Champion For Saving Account (Assets
Under Rp 100 Trillion)
Indonesia WOW Brand Award 2014 –
Best Conventional Bank For BUKU III Category
43
Penghargaan 2014-2015
BPJS Awards – Innovators For BPJS
Participation Through Service Point Office
(SPO)
Corruption Eradication Commission Awards–
Most Reported Gratification For Regional
Owned Enterprises 2014
Corruption Eradication Commission Awards–
Best Gratification Control Unit For Regional
Owned Enterprises 2014
Infobank Awards – Financial Performance
“Very Good” For 15 Years In A Row From
1999 - 2013 BPJS Awards – Regional Strategic Partner 2014
Ministry of Finance Awards – Best Taxpayer for
West Java Region
44
Perkembangan Harga Saham
Investor Relations Group
Menara bank bjb 7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
ir@bankbjb.co.id
Contact Person:
Muhammad As’adi Budiman
Group Head
mbudiman@bankbjb.co.id
Irwan Riswandi
Manager
iriswandi@bankbjb.co.id
Ari Budiman
Officer
abudiman@bankbjb.co.id
Anjas Septa Lesmana
Officer
aslesmana@bankbjb.co.id
Simon Sihol Panggabean
Staff
spanggabean@bankbjb.co.id
Gilat Wijie Priyantama
Staff
gpriyantama@bankbjb.co.id
Lies Rosdiana
Staff
lrosdiana@bankbjb.co.id Source: Bloomberg
0
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ion
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