lebih besar, lebih kuat, lebih baik bank bjb · pg. 37 profil perusahaan ... pengaruh global...
TRANSCRIPT
2
Pg. 5 Ringkasan Kinerja
Pg. 10 Detail Kredit
Pg. 15 Detail Dana Pihak Ketiga
Pg. 16 Kualitas Aktiva
Pg. 19 Analisa Imbal Hasil
Pg. 23 Performa Kredit Mikro
Pg. 32 Performa Bank bjb Syariah
Pg. 37 Profil Perusahaan
Daftar Isi
2
3
Ekonomi Makro
Tren Penurunan Indeks Kepercayaan Konsumen BI Rate Meningkat 150 bps ke 7.25%
Pengaruh Global Terhadap Pelemahan Pasar
Obligasi dan Rupiah Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi
3
0
2
4
6
8
10
12
(%)
GDP Growth BI Rate
6070
80
90
100
110
120
130
Ind
ex
(po
ints
)
Consumer Confidence Index
0
5
10
15
20
(%)
CPI 1mth JIBOR
Source: Bloomberg Source: Bloomberg
Source: Bloomberg Source: Bloomberg
0
5
10
15
20
25
6000
7000
8000
9000
10000
11000
12000
13000
Yie
ld (
%)
USD
ID
R
USDIDR 10Yr Govt Bond
4
Sektor Perbankan
Pada bulan Juli‘13, data sektor perbankan
menunjukkan :
• Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi
+33.5% YoY, Kredit Modal Kerja +18.7%, Kredit
Konsumsi +20.0%)
• DPK +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY,
Deposito Berjangka +7% YoY, CASA Rasio 56%)
• NPL -32bps YoY to 1.87%
• ROA -13bps YoY to 3.0%
4
Jul ‘12 Jul ‘13 YoY (%)
Total Loans 2,478 3,046 22.9
Total
Deposit 2,961 3,393 14.6
LDR 83.6 89.7 +6.1
NPL 2.19 1.87 -0.32
ROA 3.13 3.0 -0.13
-
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
-
10.0
20.0
30.0
40.0
50.0
60.0
Yo
Y G
row
th (
%)
Investment Loans WC Loans Consumer Loans
Source: Bank Indonesia
Source: Bank Indonesia
Ringkasan Kinerja
5
• Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ)
• Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ)
• CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ)
• Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ)
Laba Rugi
• Total Kredit Rp 44.1 triliun (+34.4% YoY/ +5.3% QoQ)
• Total Pembiayaan Syariah Rp 3.7 triliun (+52.2% YoY/ +9.9% QoQ)
• Total DPK Rp 56.6 triliun (+7.3% YoY/ +2.7% QoQ)
• Total Aset Rp 75.9 triliun (+12.0% YoY/ +3.3% QoQ)
Neraca
• NIM 8.0% (+93bps YoY/ -11bps QoQ)
• ROA (Net) 2.2% (+2bps YoY/ -7bps QoQ)
• ROE (Net) 23.5% (+38bps YoY/ -82bps QoQ)
• NPL (Gross) 2.5% (+77bps YoY/ +16bps QoQ)
Rasio Keuangan
(bank)
Target vs. Realisasi
6
(%) Target 1Q13 2Q13 3Q13
Pertumbuhan Kredit 25% - 28% 36.0 33.7 34.3
Pertumbuhan DPK 18% - 22% -5.1 10.6 7.3
ROA (net) 1.8% - 2.0% 2.4 2.2 2.2
ROE (net) 20% - 22% 24.2 24.3 23.5
NIM 6.8% - 7.2% 8.2 8.2 8.0
Cost of Fund 5.0% - 5.5% 4.6 4.6 4.8
Cost to Income Ratio 51% - 54% 55.0 54.7 55.6
Gross NPL 1.5% - 2.0% 2.1 2.3 2.5
Credit Cost 1.0% - 1.4% 1.2 1.3 1.2
Rasio CASA 40% - 45% 50.0 48.5 49.3
Rasio Keuangan (bank)
7
Rasio Penting 3Q12 4Q12 1Q13 2Q13 3Q13
Profitabilitas
ROA (net) 2.1 1.9 2.4 2.2 2.2
ROE (net) 23.1 21.3 24.2 24.3 23.5
Rasio Biaya
Cost to Income Ratio 52.3 56.5 55.0 54.7 55.6
Expense Ratio 76.8 80.0 74.4 75.9 77.0
Imbal Hasil
Asset Yield 12.5 12.0 12.8 12.7 12.8
Cost of Fund 5.3 5.2 4.6 4.6 4.8
NIM 7.1 6.8 8.2 8.2 8.0
LDR 65.0 74.1 83.2 80.8 82.2
Kualitas Aset
Dalam Perhatian Khusus 3.6 3.0 3.9 3.9 3.8
Gross NPL 1.7 2.1 2.1 2.3 2.5
Net NPL 0.5 0.5 0.7 0.6 0.6
Coverage Ratio 116.4 82.9 78.1 81.8 82.9
CKPN/Total Kredit 2.0 1.7 1.6 1.9 2.0
Credit Cost 1.0 1.2 1.2 1.3 1.2
Permodalan
CAR 18.4 18.1 17.2 16.4 16.4
Laporan Laba Rugi
8
Laporan Laba Rugi
(Rp miliar) 3Q12 3Q13
YoY
(%) 2Q13 3Q13
QoQ
(%)
Pendapatan Bunga 5,092 5,995 17.7% 2,042 2,064 1.1%
Beban Bunga (2,293) (2,421) 5.6% (801) (885) 10.5%
Pendapatan Bunga
Bersih 2,799 3,574 27.7% 1,241 1,179 -5.0%
Fee Based Income 177 209 18.1% 78 67 -13.1%
Beban Operasional (1,522) (2,072) 36.1% (717) (700) -2.3%
Laba (Rugi) dalam
Instrumen Keuangan 11 38 259.6% 10 29 201.1%
PPOP 1,464 1,749 19.5% 611 575 -6.0%
Beban CKPN (269) (373) 38.6% (138) (141) 2.6%
Pendapatan Non
Operasional - 7 - 1 6 -
Laba Sebelum Pajak 1,194 1,382 15.8% 474 440 -7.2%
Beban Pajak (249) (286) 15.1% (99) (91) -7.8%
Laba Bersih 946 1,096 15.9% 376 349 -7.1%
Neraca
9
Ringkasan Neraca
(Rp miliar) 3Q12 4Q12 1Q13 2Q13 3Q13
YoY
(%)
Kas atau Setara Kas 1,380 1,795 1,570 1,684 1,768 28.1%
Giro Pada Bank
Indonesia 4,279 4,666 3,659 4,127 4,249 -0.7%
Cadangan Sekunder 25,047 24,075 19,887 19,926 19,740 -21.2%
Kredit – net 32,142 34,769 37,198 41,046 43,154 34.3%
Pembiayaan Syariah –
net 2,391 2,880 2,965 3,295 3,626 51.7%
Aktiva Tetap - Net 520 735 1,002 1,010 1,006 93.5%
Aktiva Lain-lain 1,949 1,921 2,126 2,333 2,316 18.8%
Total Aktiva 67,708 70,841 68,407 73,421 75,860 12.0%
Total DPK 52,724 50,608 48,638 55,060 56,560 7.3%
Surat Berharga Yang
Diterbitkan 2,395 2,395 2,395 2,396 2,396 0.1%
Pinjaman Diterima 5,581 8,980 9,036 8,167 8,668 55.3%
Lainnya 1,266 2,849 2,625 1,711 1,792 41.5%
Total Kewajiban 61,966 64,832 62,694 67,334 69,417 12.0%
Total Ekuitas 5,742 6,009 5,713 6,087 6,443 12.2%
Detail Kredit (bank)
10
Segmen
(Rp miliar) 3Q ‘12 3Q ’13
YoY
(%)
Konsumer 21,842 27,872 27.6
Mikro 4,117 5,493 33.4
Komersial 5,617 6,995 24.5
KPR 1,215 3,506 188.7
Total Kredit
Gross 32,790 43,866 33.8
Mata Uang
(Rp miliar) 3Q ‘12 3Q ’13 YoY
Rupiah 32,509 43,623 34.2
Valas 281 243 -13.5
15.4 16.0 16.7 18.0 18.5 19.2 19.7 21.4 21.8 22.6
24.5 26.7 27.9
2.0 2.4
2.5 2.7 2.9
3.0 3.1
3.6 4.1
4.5
5.1
5.5 5.5
3.5 3.7
3.7
4.2 4.6 4.4 4.3
5.3 5.6
6.3
5.8
6.5 7.0
0.1 0.1
0.1
0.1 0.2 0.5
0.7
0.9
1.2
1.7 2.3
2.9
3.5
0
5
10
15
20
25
30
35
40
45
50
(Rp t
r)
Consumer Micro Commercial Mortgage
Kredit Konsumer
11
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 21,842 27,872 27.6
Ekspansi Neto
(Rp miliar) 2,673 5,246 96.2
Rata-rata
Outstanding Per
Debitur
(Rp juta)
62 81 30.6
Jumlah Debitur 350,347 342,716 -2.2
Tingkat Suku
Bunga 15.00%-18.48% % eff. p.a
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
Dalam Perhatian
Khusus 0.23 0.19 -0.04
NPL 0.13 0.11 -0.02
14.92 15.5 16.3 17.5 18.0 18.6 19.2
20.8 21.2 21.8 23.4
25.3 26.1
0.43 0.44
0.45
0.47 0.50
0.54 0.56
0.60
0.63 0.80
1.11
1.46 1.74
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
(%)
(Rp t
r)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
Kredit Mikro
12
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
Dalam Perhatian
Khusus 12.7 18.4 +5.7
NPL 4.9 8.8 +3.9
*Kredit Mikro Utama
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 4,117 5,493 33.4
Ekspansi Neto
(Rp miliar) 1,142 948 -17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53 57 7.5
Jumlah Debitur 78,348 96,049 22.6
Tingkat Suku
Bunga* 11.0% - 27.5% eff. p.a.
1.0 1.0
1.0
1.1 1.2 1.2 1.4
1.9
2.3 2.7
3.2 3.6 3.6
0.3 0.7 0.9
1.0 1.1 1.1
1.1
1.1
1.1
1.2
1.2
1.3 1.2
0.7
0.7 0.7
0.7 0.7 0.6
0.6
0.6
0.7
0.6
0.6
0.7 0.7
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
-
1.0
2.0
3.0
4.0
5.0
6.0
(%)
(Rp t
r)
KMU (LHS) Govt Program (LHS)
KCR (LHS) NPL (RHS)
Kredit Komersial
13
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 5,617 6,995 24.5
Ekspansi Neto
(Rp miliar) 1,215 658 -45.8
Rata-rata
Outstanding Per
Debitur
(Rp juta)
483 707 46.4
Jumlah Debitur 11,633 9,892 -15.0
Tingkat Suku
Bunga 6.3% -14.5% eff. p.a
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
Dalam Perhatian
Khusus 9.2 4.6 -4.6
NPL 5.3 6.5 +1.2
2.5 2.6 2.6 3.0
3.3 3.2 3.0
3.9 4.3
4.5
3.9 4.3
4.8
0.5 0.6 0.6
0.6
0.6 0.6
0.6
0.5
0.6
1.0
1.2
1.3
1.3
0.5 0.5 0.5
0.6
0.6 0.6
0.8
0.8
0.7
0.8
0.8
0.9
1.0
-
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 t
r)
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Kredit Pemilikan Rumah (KPR)
14
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 1,215 3,506 188.7
Ekspansi Neto
(Rp miliar) 762 1,785 134.3
Rata-rata
Outstanding Per
Debitur (Rp juta)
241 279 15.8
Jumlah Debitur 5,040 12,585 149.7
Tingkat Suku
Bunga 7.3% - 13.7% eff. p.a.
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
Dalam Perhatian
Khusus 7.3 8.4 +1.1
NPL 2.6 3.2 +0.6
78 91 108 140 195
453
663
941
1,215
1,721
2,287
2,916
3,506
-
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
(Rp b
n)
Mortgage Loans (LHS) NPL (RHS)
Detail DPK (bank)
15
Detail DPK
(Rp miliar) 3Q ‘12 3Q ’13
YoY
(%)
Giro 15,678 18,174 15.9
Tabungan 6,275 8,167 30.1
Deposito 28,531 27,049 -5.2
TOTAL 50,485 53,390 5.8
Rasio CASA (%) 43.5 49.3 +5.8
Mata Uang
(Rp miliar) 3Q ‘12 3Q ’13
YoY
(%)
Rupiah 50,277 53,113 5.6
Valas 208 277 33.2
10.3 7.5
10.0 10.0 10.8 11.0 12.0 11.7
15.7 14.5 15.5 17.4 18.2
3.5
4.7
3.8 4.0 4.4
6.0 5.0 6.0
6.3 8.7 7.1
7.6 8.2
19.2 18.9
19.1 20.9
23.5 20.0
32.4 30.0
28.5 24.3
22.6
26.6 27.0
0
10
20
30
40
50
60
(Rp t
r)
Current Account Savings Account Time Deposit
Kualitas Aktiva
16
Gross NPL
(%)
(Bank)
3Q ‘12 3Q ’13 YoY
(%)
Write Off
(Rp
miliar)
Konsumer 0.13 0.11 -0.02 2
Mikro 4.9 8.8 +3.9 243
Komersial 5.3 6.5 +1.2 113
KPR 2.6 3.2 +0.6 -
Total 1.7 2.5 +0.8 358
1.9 1.8
2.2 2.3 2.6
1.2 1.2 1.4
1.7
2.1 2.1 2.3
2.5
0.2 0.3 0.5
0.7 0.8
0.4 0.2
0.6 0.5 0.5 0.7 0.6 0.6
-
0.5
1.0
1.5
2.0
2.5
3.0
(%)
Gross NPL Net NPL
593 575
701 699
754
508 480
534
648
603 621
786
896
403 406
516
587
679
324 334
441
557
728
796
962
1,081
0
20
40
60
80
100
120
140
160
180
-
200
400
600
800
1,000
1,200
(%)
(Rp b
n)
Credit Provision (LHS) Absolute NPL (LHS)
Coverage Ratio (RHS)
Kredit Dalam Perhatian Khusus
17
24 21 33 25 28 19 37 37 51 46 67 63 54 109 95
147 195 247 278
332 344
524 570
790
997 1,011
182 138
159 190 113
224
438 365
516 339
420
304 323
8 3
7
7 15
9
44 60
88
96
210
254
294
-
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
Sp
ec
ial M
en
tio
n/T
ota
l L
oa
ns
(%
)
Ab
so
lute
Sp
ec
ial M
en
tio
n L
oa
ns
(R
p b
n)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
7 8 9 6 7
4 4 5 4 4 4 4 3
34 37
42 47
61
52
39 43 44
54 53
62 60
56 54
46 46
28
42
51 45 44
32 28
19 19
3 1
2 2 4 2
5 7 7 9 14 16 17
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Sp
ecia
l M
en
tio
n C
on
trib
utio
n (
%)
Consumer Micro Commercial Mortgage
Non Performing Loans
18
5 5 4 4 3 7 7 5 5 4 4 3 3
15 14 15 17 22
24
34 31
36
26
36 39 45
78 79 79 78 73
65
59 63 53
64
51 49 42
2 2 2 2 2 4 0 1 6 7 9 9 10
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
on
trib
utio
n (
%)
Consumer Micro Commercial Mortgage
20 19 22 24 24 23 22 22 27 29 30 29 31 62 58 75 98
149 78
114 137 201 186
289
378
484 313 320
409
455
495
211 196
277
297
464
408
467
454
8 9
10
10
11
12 2
5
32
48
68
87
112
-
0.5
1.0
1.5
2.0
2.5
3.0
-
200
400
600
800
1,000
1,200
Net
Pe
rfo
rmin
g L
oa
n/T
ota
l L
oa
ns (
%)
Ab
so
lute
Net P
erf
orm
ing
Lo
an
s (
Rp b
n)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
Analisa Imbal Hasil
19
Asset Yield 3Q ‘12 3Q ’13
Placement to Bank
Indonesia 4.0 3.8
Interbank Placement 3.4 2.9
Securities 4.4 5.1
Loans Yield 18.7 16.7
Others 0.1 0.5
Cost of Fund 3Q ‘12 3Q ’13
Interbank Liabilities 3.7 4.5
Securities 11.7 11.4
Deposits From Customers 5.1 4.5
Current Account 2.2 2.3
Time Deposit 6.8 6.6
Savings Account 2.2 1.9
Loans received 0.1 -
Placement to Bank Indonesia
9%
Interbank Placement
3%
Marketable Securities
18%
Loans 69%
Others 1%
Current Account 28.6%
Savings Account 12.8%
Time Deposit 42.5%
Interbank Lending 12.3%
Bonds 3.8%
Basis Nasabah
Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik
20
1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8
12.8 13.1 13.4 13.3 13.7 15.3 13.7 14.4 14.7 14.5 14.4 14.8
12.6
86.0 85.7 85.1 85.6 85.3 83.7 85.0 84.4 84.1 84.3 84.5 84.3 86.6
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Fu
nd
ing
Pro
po
rtio
n (
%)
Government Corporate Retail
86 84 84 83 82 82 82 80 79 77 76 75 74
12 12 13 14 15 15 15 16 18 19 20 21 21
2 3 3 3 3 2 2 3 3 2 2 2 2
0 0 0 0 0 0 1 1 1 1 2 2 3
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Le
nd
ing
Pro
po
rtio
n (
%)
Consumer Micro Commercial Mortgage
21
Kecukupan Modal
Aktiva
Tertimbang
Menurut Risiko
(ATMR)
3Q ‘12 3Q ’13 YoY (%)
Total ATMR 25,197 31,594 25.4
Risiko Kredit 19,271 24,336 26.3
Risiko Operasional 5,191 6,254 20.5
Risiko Pasar 735 1,004 36.6
ATMR/Total Aktiva 38.7% 44.1% +5.4
tier-1 4,726 5,209 10.2
tier -2 (81) (17) -78.4
Total Modal 4,645 5,192 11.8
Tier-1 KPMM 18.8% 16.5% -2.3
Total KPMM 18.4% 16.4% -2.0
Analisa KPMM Bobot
Risiko
Penambahan
ATMR/
Rp1tr
Ekspansi
Neto
Dampak
Terhadap
KPMM
(%)
Kredit Konsumer 50% Rp.500bn 0.26
Kredit Mikro 75% Rp.750bn 0.38
Kredit Komersial 100% Rp.1tr 0.50
Kredit KPR 40% Rp.400bn 0.21
• Total CAR 16.4% (-200bps YoY/ + 8bps QoQ)
• Total Modal Inti Rp5.2tr setelah dikurangi
cadangan pembagian dividen (Kategori Bank
BUKU 3).
Performa Kredit Mikro
23
• Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ)
• Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ
• Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ) Pertumbuhan
• NPL 8.8% (+393bps YoY/ +196bps QoQ)
• Nilai NPL Rp 484 miliar (+Rp 283bn YoY/ +Rp 106bn QoQ)
• Kredit Dalam Perhatian Khusus 18.4% (+567bps YoY/ +32bps QoQ)
• Nilai kredit Dalam Perhatian Khusus Rp 1.0 triliun (+Rp 487bn YoY/ +Rp 14bn QoQ)
Kualitas
Kredit Mikro
*Kredit Mikro Utama
24
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 4,117 5,493 33.4
Ekspansi Neto
(Rp miliar) 1,142 948 -17.0
Rata-rata
Outstanding Per
Debitur
(Rp juta)
53 57 7.5
Jumlah Debitur 78,348 96,049 22.6
Tingkat Suku
Bunga* 11.0% - 27.5% eff. p.a.
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
(%)
Dalam Perhatian
Khusus 12.7 18.4 +5.7
NPL 4.9 8.8 +3.9
*Kredit Mikro Utama
2.0
2.4 2.5
2.7 2.9 3.0
3.1
3.6
4.1
4.5
5.1
5.5 5.5
3.0
2.4
3.0
3.6
5.1
2.6
3.7 3.8
4.9
4.1
5.7
6.9
8.8
0.0
2.0
4.0
6.0
8.0
10.0
12.0
-
1.0
2.0
3.0
4.0
5.0
6.0
(%)
(Rp
tr)
Total Micro Loans NPL
Kredit Mikro Utama
25
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 2,337 3,560 52.3
Ekspansi Neto
(Rp miliar) 1,134 811 -28.5
Rata-rata
Outstanding Per
Debitur
(Rp juta)
40 48 20.7
Jumlah Debitur 58,478 73,801 26.2
Tingkat Suku Bunga 23.0% - 27.5% eff. p.a.
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
(%)
Dalam Perhatian
Khusus 13.1 20.8 +7.7
NPL 3.8 9.2 +5.4
1.0 1.0 1.0 1.1
1.2 1.2
1.4
1.9
2.3
2.7
3.2
3.6 3.6
4.2 3.9
4.9
5.4
5.9
2.3 2.3 2.5
3.8 3.7
5.3
6.7
9.2
0.0
2.0
4.0
6.0
8.0
10.0
12.0
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
(%)
(Rp t
r)
Kredit Mikro Utama (LHS) NPL (RHS)
Program Pemerintah
26
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 1,118 1,245 11.4
Ekspansi Neto
(Rp miliar) (26) 89 442.3
Rata-rata
Outstanding Per
Debitur
(Rp juta)
75 70 -6.7
Jumlah Debitur 14,941 17,794 19.1
Tingkat Suku
Bunga* 8.3% -14.0% eff. p.a
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
(%)
Dalam Perhatian
Khusus 13.7 15.3 +1.6
NPL 8.4 10.2 +1.8
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 14% eff. p.a.
0.3
0.7
0.9
1.0
1.1 1.1 1.1 1.1 1.1
1.2 1.2
1.3 1.2
0.0 0.4
1.3
3.1
2.7
5.5
6.0
8.4
5.9
7.3
8.4
10.2
-
2.0
4.0
6.0
8.0
10.0
12.0
-
0.2
0.4
0.6
0.8
1.0
1.2
1.4
(%)
(Rp t
r)
Government Program (LHS) NPL (RHS)
Kredit Mikro Lainnya
27
Indikator Utama 3Q ‘12 3Q ’13 YoY
(%)
Outstanding 662 688 4.0
Ekspansi Neto
(Rp miliar) 34 48 41.2
Rata-rata
Outstanding Per
Debitur (Rp juta)
134 155 15.7
Jumlah Debitur 4,929 4,454 -9.6
Tingkat Suku
Bunga* 10.5% - 18.04% eff. p.a.
Kualitas Kredit 3Q ‘12 3Q ’13 YoY
(%)
Dalam Perhatian
Khusus 9.7 11.4 +1.7
NPL 2.7 4.2 +1.5
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
0.7 0.7 0.7 0.7
0.7
0.6
0.6
0.6
0.7 0.6 0.6
0.7 0.7
2.8 2.8
3.5
3.9
6.9
3.1
3.7 3.8
2.7 2.7
4.7 4.7
4.2
-
2.0
4.0
6.0
8.0
10.0
12.0
-
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
(%)
(Rp t
r)
Others Micro Loans(LHS) NPL (RHS)
Kredit Mikro Dalam Perhatian Khusus
28
91 81 98 105 129 138 169 195
307 372
567
704 742
3 6 31
64
96 110
142 128
153
140
172
200 190
15 8
18
27
22 31
20 22
64
58
52
93 79
5.3
4.0
5.8
7.1
8.5
9.4
10.8
9.5
12.7 12.5
15.6
18.1 18.4
0
2
4
6
8
10
12
14
16
18
20
-
200
400
600
800
1,000
1,200
(%)
Ab
so
lute
Sp
ecia
l M
en
tio
n L
oa
ns (
Rp b
n)
KMU (LHS) Govt Programs (LHS)
Others (LHS) Special Mention Loans (RHS)
84
86
67
54 52
49 51
56
59
65 72
71 73
3
6
21
33 39
39 43
37 29
25
22 20
19
13 8
13 14 9 11
6 6 12 10
7 9 8
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Sp
ecia
l M
en
tio
n C
on
trib
utio
n (
%)
KMU Govt Programs Others
Non Performing Loans Kredit Mikro
29
44 39 50 58 69
28 31 47
89 101
171
241
328
- 0 3
13
35
31 62
67
94 68
88
105
127
18 19 23
27
46
20
22
24
18 17
30
33
29
3.0
2.4
3.0
3.6
5.1
2.6
3.7 3.8
4.9
4.1
5.7
6.9
8.8
0
1
2
3
4
5
6
7
8
9
10
-
100
200
300
400
500
600
(%)
Ab
so
lute
NP
L (
Rp b
n)
KMU (LHS) Govt Programs (LHS)
Others (LHS) NPL (RHS)
70
67 66
59
46 35
27
34
44 54 59
64 68
- 0 4
14
23 40 54
49
47
37 30
28 26
30 33 30
27 31
25 19 17
9 9 10 9 6
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
on
trib
utio
n (
%)
KMU Govt Programs Others
Proses Bisnis
30
Marketing Processing Collecting
• Marketing Staff
•Customer Sales
•Credit Analyst
•Officer •Branch/Sub
Branch Manager
•Pick up Staff •Supervisi Staff
Posisi Marketing Customer
Sales
Credit
Analyst Officer
Branch/Sub
Branch
Manager
Pick-up Supervisi
Kredit
2Q ‘13 2,125 97 434 36 352 464 248
3Q ‘13 2,176 165 454 43 365 604 320
Ringkasan Kinerja
32
• Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY)
• Biaya Operasional Rp 175.3 miliar (+30.6% YoY)
• Laba Bersih Rp 21.5 miliar (+99.5% YoY) Laba Rugi
• Total Pembiayaan Rp 3.7 triliun (+52.2% YoY)
• Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY)
• Total Aset Rp 4.6 triliun (+43.3% YoY) Neraca
• NIM 6.5% (-72bps YoY)
• ROA 0.9% (+24bps YoY)
• ROE 4.7% (+206bps YoY)
• NPF Gross 4.0% (-83bps YoY)
Rasio
(bank bjb syariah)
Rasio Penting
33
Rasio Penting (%) 3Q ‘12 3Q ’13 YoY
CAR 25.4% 17.9% -7.5
NPF Gross 4.8% 4.0% -0.8
NPF Nett 3.4% 1.1% -2.3
ROA 0.7% 0.9% +0.2
ROE 2.7% 4.7% +2.0
NIM 7.2% 6.5% -0.7
Expense Ratio (BoPo) 90.5% 85.0% -5.5
FDR 103.5% 104.3% +0.8
Laporan Laba Rugi
34
Laporan Laba Rugi (Rp juta) 3Q ‘12 3Q ’13 YoY
(%)
Pendapatan Marjin 248,142 374,166 50.8
Biaya Marjin (102,796) (173,693) 69.0
Marjin Bersih 145,346 200,473 37.9
Pendapatan Operasional Lainnya 3,050 5,871 92.5
Biaya Operasional (134,245) (175,315) 30.6
Pendapatan Operasional 14,151 31,029 119.3
Pendapatan Non Operasional (Biaya) 246 (372) -251.2
Laba Sebelum Pajak 14,397 30,657 112.9
Beban Pajak (3,599) (9,114) 153.2
Laba Bersih 10,798 21,543 99.5
Neraca
35
Neraca Keuangan
(Rp juta) 3Q ‘12 3Q ’13
YoY
(%)
Kas atau Setara Kas 19,681 27,292 38.7
Giro Pada Bank Indonesia 117,016 160,940 37.5
Cadangan Sekunder 608,704 593,264 -2.5
Pembiayaan – Net 2,390,849 3,579,668 49.7
Aktiva Tetap – Net 16,153 156,582 869.4
Aktiva Lainnya 51,435 74,168 44.2
Total Aktiva 3,203,838 4,591,914 43.3
DPK 2,238,873 3,068,450 37.1
Surat Berharga Diterbitkan 115,000 315,000 173.9
Pinjaman Diterima 168,653 520,066 208.4
Lainnya 52,892 67,413 27.5
Total Kewajiban 2,575,418 3,970,929 54.2
Total Ekuitas 628,420 620,985 -1.2
Kinerja Syariah
36
Pembiayaan
(Rp juta) 3Q ‘12 3Q ’13
YoY
(%)
Murabahah – (Trading) 1,118,608 2,140,920 91.4
Ijarah 15,853 7,497 -52.7
Financing 912,290 1,381,162 51.4
Qardh – (Bridging) 395,205 190,345 -51.8
Isthisna – (Pawning) 5,874 5,779 -1.6
Total Pembiayaan 2,447,830 3,725,703 52.2
Funding
(Rp juta) 3Q ‘12 3Q ’13
YoY
(%)
Wadiah Current Account 76,465 104,007 36.0
Mudharabah Current
Account - - -
Wadiah Savings Account 68,616 93,006 35.5
Mudharabah Savings
Account 260,992 348,784 33.6
Mudharabah Time Deposit 1,832,800 2,522,653 37.6
Total Funding 2,238,873 3,068,450 37.1
1.4
1.6 1.6 1.6 1.6
1.8 1.8
2.1
2.4
3.0 3.1
3.4
3.7
1.1
1.3
1.1
1.4
1.7
2.2
2.0
2.3 2.2
3.4
3.6 3.5
3.1
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
(Rp
tr)
Total Financing Total Funding
Kepemilikan
Struktur Kepemilikan 3Q12 3Q13
Pendiri (Seri A) 75.00 75.00
Pemerintah Provinsi Jawa Barat 38,26 38,26
Pemerintah Kota/Kabupaten se-
Jawa Barat
23,61 23,61
Pemerintah Provinsi Banten 5,37 5,37
Pemerintah Kota/Kabupaten se-
Banten
7,76 7,76
Seri B (Publik) 25,00 25,00
Lokal Perorangan 6,14 3,97
Lokal Institusi 12,40 6,62
Perorangan Asing 0,03 0,01
Institusi Asing 6,44 14,4
38.26
23.61
5.37
7.76
25
West Java Provincial Government
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
38
Road Map
2011-2012 2013-2014 2015
Building/Establishment
New Infrastructures
Strategy
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`
Strategy
Leading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
Strategy
Leading in Service and
Performance National Bank
A Strong Sustainable Growth and Profitable National Bank
39
Jaringan Kantor
40
Total bjb
employees
6,068
Total bjb
customers
2,805,046
Banten Deposits 10.1 Tr
Loans 6.1 Tr
Micro Loans 644.2 bn
Profit 423.5 bn
480,317 Customers
8 Branch Offices
42 Sub Branches
26 Cash Offices
12 Payment Point
176 ATM Unit
61 Waroeng bjb
573 Employees
West Java Deposits 35.6 Tr
Loans 31.6 Tr
Micro Loans 4.4 Tr
Profit West Java 2.3 bn,
Loss Head Oficce 1.3Tr
2,219,428 Customers
32 Branch Offices
188 Sub Branch
116 Cash Offices
93 Payment Point
707 ATM Unit
337 Waroeng bjb
4,615 Employees
Others
Deposits 1.8 Tr
Loans 1.8 Tr
Micro Loans 274.8 bn
Profit 20.1 bn
46,955 Customers
13 Branch Offices
12 Sub Branch
Offices
3 Cash Offices
66 ATM Unit
12 Waroeng bjb
346 Employees
Jakarta Deposits 5.9 Tr
Loans 4.3 Tr
Micro Loans 150.9 bn
Loss 28.9 bn
58,346 Customers
9 Branch Offices
62 Sub Branches
7 Cash Offices
1 Payment Point
103 ATM Unit
27 Waroeng bjb
525 Employees
Detail Jaringan Layanan
41
No bjb Network 3Q ‘12 3Q ’13 YoY
1 Cabang 56 62 6
2 Kantor Cabang Pembantu 215 304 89
3 Kantor Kas 114 152 38
4 Payment Point 97 106 9
5 ATM 674 1,052 378
6 Waroeng bjb (A,B & C) 437 562 125
7 Layanan bjb Precious 11 11 -
8 MSME Center 6 6 -
9 Mobile Cash 7 11 4
10 Weekend Banking 11 12 1
11 Cabang Devisa 25 47 22
Total 1,653 2,325 672
Sumber Daya Manusia
42
Posisi 3Q’12 3Q‘13 YoY
Dewan Komisaris 5 5 -
Direksi 4 4 -
Manajemen Puncak 29 34 5
Manajemen Madya 196 209 13
Manajemen Lini Pertama 1,067 1,336 269
Staf 1,951 4,478 2,527
MPP 8 2 -6
Total Permanen 3,260 6,068 2,808
Mikro 2,313 3,189 876
Lain - lain 5,477 2,200 -3,277
Total Non Permanen 7,790 5,389 -2,401
Total 11,050 11,457 407
Up to High School 0.5%
Up to Bachelor Degree 95.3% Masters
and Doctorate
4.2%
Up to High School Up to Bachelor Degree
Masters and Doctorate
18 - 30 78.8%
31 - 40 12.8%
41 - 50 7.4%
> 50 1.0%
18 - 30 31 - 40 41 - 50 > 50
Berdasarkan Umur
Berdasarkan Pendidikan
Penghargaan Tahun 2012
Mark Plus Conference:
Indonesia Marketing
Champion 2012
Annual Report Award 2012
Infobank Awards 2012
The 4th IICD Corporate Governance
Conferences & Award: Best
Corporate Governance for Newly
Listed
Jamsostek Award:
Regional Strategic Partner 2012 Call Center Award for 2012
Indonesia Trusted Company
The Indonesian Institute for
Corporate Governance
SINDO People of The Year 2012
“CEO of The Year”
43
Penghargaan Tahun 2013
44
Indonesia Banking Awards –
Best Performance Banking 2013 untuk Bank
Kategori BUKU 3
Infobank Awards – Kinerja Keuangan
“Sangat Bagus” 2003 - 2012
Performa Harga Saham
45
Investor Relations Group
Menara bank bjb
7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
Contact Person:
Irwan Riswandi
Manager
Ari Budiman
Officer
Anjas Septa Lesmana
Officer
Simon Sihol Panggabean
Staff
0
20
40
60
80
100
120
600
700
800
900
1000
1100
1200
1300
1400
Mill
ion
Sh
are
s
Rp
/sh
are
Volume (RHS) Price (LHS)
Source: Bloomberg