ringkasan kinerja per 31 maret 2015 - bankbjb.co.id · 2 hal. 5 ringkasan kinerja hal. 10 breakdown...

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Ringkasan Kinerja per 31 Maret 2015

2

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


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


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


(%)

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


(%)

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


(%)

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


(%)

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.


(%)

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


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 (

%)


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 (

%)


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 (

%)


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)

22

Kinerja Kredit Konsumer (Detail)

• 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


(%)

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


(%)

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)


NPL (RHS)

Kredit Kepada Pegawai Negeri Sipil


(%)

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


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


(%)

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


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)


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)


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 (

%)


Kinerja Bisnis Syariah

1Q15 bank bjb Syariah

29

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

35

Profil Perusahaan

bank bjb

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

[email protected]

Contact Person:

Muhammad As’adi Budiman

Group Head

[email protected]

Irwan Riswandi

Manager

[email protected]

Ari Budiman

Officer

[email protected]

Anjas Septa Lesmana

Officer

[email protected]

Simon Sihol Panggabean

Staff

[email protected]

Gilat Wijie Priyantama

Staff

[email protected]

Lies Rosdiana

Staff

[email protected] Source: Bloomberg

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)

mailto:[email protected]








Menara bank bjb

Jl. Naripan 12 – 14

7th Floor

Bandung 40111

Telp. +6222 4234868

ringkasan kinerja per 31 maret 2015 - bankbjb.co.id · 2 hal. 5 ringkasan kinerja hal. 10 breakdown...

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