lebih besar, lebih kuat, lebih baik bank bjb · pg. 37 profil perusahaan ... pengaruh global...

46
Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 3Q13 Analyst Meeting

Upload: leminh

Post on 04-Jul-2019

230 views

Category:

Documents


0 download

TRANSCRIPT

Lebih Besar, Lebih Kuat, Lebih Baik

bank bjb 3Q13 Analyst Meeting

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).

Detail Kredit Mikro

22

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

Kinerja Bisnis Syariah

3Q13 bank bjb Syariah

31

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

Profil Perusahaan

bank bjb

37

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

[email protected]

Contact Person:

Irwan Riswandi

Manager

[email protected]

Ari Budiman

Officer

[email protected]

Anjas Septa Lesmana

Officer

[email protected]

Simon Sihol Panggabean

Staff

[email protected]

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

Menara bank bjb

Jl. Naripan 12 – 14

7th Floor

Bandung 40111

Telp. +6222 4234868