Company Activity Report
KOMPOSISI KREDIT BANK SAUDARA
BANK SAUDARA COMPOSITION CREDIT LAINNYA
12,95%
OTHERS
KREDIT VALUTA ASING FOREIGN EXCHANGE CREDIT
UMKM KUJA SME KUJA 9,76% 4,60% 0,35%
KUPEG KUPEN KUJA UMKM KREDIT VALAS LAINNYA
Bank Saudara
Annual Report
2009
2. Kredit Umum Pensiunan (KUPEN)
Pertumbuhan di produk Kredit Pensiunan di tahun 2009 mencapai 53,98 % dengan pencapaian sebesar 97,59 % dari target yg ditetapkan. Pencapaian ini ditunjang oleh adanya Program “GO KUPEN” yang dicanangkan pada bulan Agustus 2009 sampai dengan Desember 2009. Posisi Kupen per akhir 2009 menunjukkan dominasinya dibandingkan dengan produk-produk lain.
Program Subsidi Kesehatan dan Pendidikan
Pada Bulan Juni s/d Agustus 2009 telah diadakan program subsidi Kesehatan dan Pendidikan bagi para nasabah pensiunan yang mengajukan kredit pada bulan promo tersebut. Hal ini juga merupakan kepedulian Bank Saudara untuk turut membantu meringankan para nasabah pensiunan terutama pada saat itu terjadi kenaikan BBM yang berpengaruh terhadap kenaikan bahan-bahan pokok.
I. Sembako Kupen
Pemberian paket sembako menjelang Idul Fitri sudah menjadi agenda rutin di Bank Saudara. Hal ini juga merupakan suatu kepedulian serta sebagai tanda terimakasih dan penghargaan Bank Saudara terhadap nasabah pensiunan. adapun jumlah paket sembako yang dibagikan sebanyak 26.062 paket dengan total biaya Rp.1.172.790.000,- (Satu Milyar Seratus Tujuh Puluh Dua Juta Tujuh Ratus Sembilan Puluh Ribu Rupiah).
II. Program GO KUPEN
Dalam rangka meningkatkan akselerasi portofolio KUPEN Bank Saudara, maka mulai bulan Agustus 2009 sampai dengan Desember 2009 diberlakukan program ”GO KUPEN”, dimana tujuan yang hendak dicapai dengan adanya program ini diantaranya adalah meningkatkan perolehan KUPEN dan menarik nasabah pensiun baru.
Dalam program ”GO KUPEN” ini diberlakukan beberapa perubahan term & condition KUPEN, yaitu pembebasan biaya administrasi, penurunan suku bunga dan perubahan maksimal jangka waktu KUPEN. Program ini berlaku untuk setiap debitur baru maupun rehab yang melakukan droping kredit selama masa program.
Dengan adanya program ini, diharapkan terjadi pertumbuhan outstanding KUPEN sebesar Rp. 50 Milyar setiap bulannya serta rata-rata pertumbuhan jumlah nasabah KUPEN minimal 50 nasabah baru/bulan/outlet.
2. Credit to Pension (KUPEN)
The Pension credit product loan in 2009 increased 53, 98%, which achieved 97, 59% of the growth target. This achievement was primarily because of the successful marketing campaign of the ''GO KUPEN'' program which started in August until December 2009. At the end of 2009, the Kupen product showed their domination in our sales performance compared to the other loan products.
Subsidy on Educations and Health Program.
We launched our education and health subsidy program for our retired customers who proposed their credit application during the months of June to August 2009. The subsidy program is one of our social responsibilities to our retired customers since most of them was terribly affected by rising price in food that was caused by fuel price increase, especially the price of kerosene, gasoline and LPG
I. Kupen Food Charity.
Every year, especially during the Eid-ul-fitr celebration days Bank Saudara gives a food hampers to the poor. This routine program was also an actualisation of our social responsibility to the community, especially to our retired customers. In the year of 2009 we gave a total of 26.062 bags with a total value of Rp 1.172.790.000,- (One billion one hundred seventy two million seven hundreds thousands and ninety thousands rupiah).
II. GO KUPEN program.
In order to improve our KUPEN Bank Saudara portfolio acceleration, we launched our ''GO KUPEN'' program starting last August 2009 until December 2009. One of our aims in launching ''GO KUPEN'' is to boost our KUPEN income and to attract new retired customers.
In order to attract our new customers we changed our terms and conditions of KUPEN credit loan, such as no administrations fee, lower interest and longer pay back period. The promotion was valid not only for the new customers, but also to current customers who wanted to rehabilitate their credit loan program.
Through this program we hoped to improve our KUPEN product growth at around Rp 50 billion a month and to increase our new KUPEN customers about 50 customers a month in each outlet branch.
Laporan
T
ahunan Bank Saudara 2009
Berikut ini adalah rata-rata pertumbuhan O/S KUPEN sebelum dan sesudah program ”GO KUPEN” :
Dapat dilihat dalam grafik diatas bahwa dengan adanya program ”GO KUPEN” memberikan dampak yang cukup signifikan dalam peningkatan outstanding KUPEN nasional dimana rata-rata pertumbuhan outstanding kupen meningkat menjadi 105%
Here are our KUPEN product growth, before and after we had launched the ''GO KUPEN'' promotion.:
The graphic shows that the ''GO KUPEN'' promotion had given a positive and significant impact to boost the national KUPEN outstanding where the Outstanding growth of KUPEN increased to 105%.
III. Credit to Workers (KUJA)
The KUJA credit loan had a negative growth in 2009 where it dropped by 62, 49% to Rp 6,683 billion, from Rp 11,133 billion in 2008. The NPL for KUJA increased significantly to 10, 54% in 2009 when compared to 88% in 2008.
The reasons why our KUJA credit loan dropped significantly was because:
?A lot of companies laid off some of their workers caused
by the global economic crisis which significantly gave a negative impact on their export income.
?Most of companies which can not avoid the global
economic crisis were mainly in textile and garment sector which happened to be one of our potential customers.
?The workers who worked in garment and textile
industry sector are weak to the economic and political issue, especially when it comes to issues, such as minimum payment standard and the lay off issue.
In order to avoid or at least reduce any instalment payments deadlock we did several management methods:
?Putting aside a higher Provision Loss (PPAP) reserve
money than required in order to avoid any high risk instalment payments deadlock.
?We shifted to other industry sectors which based on our economic analysis still has a good prospects, such as the Pharmaceutical industry.
?We reviewed the terms and conditions, for example the
maximum of 12 months in paying the instalments.
III. Kredit Umum Pekerja (KUJA)
Pada tahun 2009 perkembangan KUJA mengalami penurunan yang cukup besar, dari posisi outstanding Rp 17,816 Milyar pada tahun 2008 menjadi Rp 6,683
Milyar pada tahun 2009 atau turun sekitar Rp 11,133 Milyar (-62,49 %), dan posisi Non
Performing Loan (NPL) meningkat cukup tajam dari 8,88% pada tahun 2008 menjadi 10,54% pada tahun 2009.
Hal tersebut antara lain disebabkan oleh :
?Kondisi perekonomian yang terkena krisis global, sehingga menyebabkan banyak industri yang mengurangi jumlah pegawainya.
?Potensi yang besar justru di sektor industri tekstil dan garmen dimana secara makro sektor industri tersebut sedang terpuruk.
?Segmen pekerja ini rentan terhadap isu-isu nasional terutama yang menyangkut upah serta rawan PHK.
Beberapa upaya telah ditempuh dalam mengurangi risiko atas Kredit Pekerja tersebut antara lain :
?Pencadangan PPAP di atas ketentuan sebagai antisipasi risiko yang relatif tinggi.
?Re-orientasi kepada sektor-sektor industri yang masih baik seperti halnya Farmasi
?Review term and condition misalnya jangka waktu maksimum hanya 12 bulan.
Bank Saudara
Annual Report
2009
IV. Kredit usaha Mikro dan Menengah (UMKM)
Perkembangan lini bisnis Elpiji 3 kg cukup mendominasi pertumbuhan penyaluran kredit UMKM selama tahun 2009. Tercatat ada 221 nasabah baru dengan total O/S sekitar Rp 25 milyar. Hal ini juga ditandai dengan adanya kerjasama penyaluran KPKM dari PNM dengan plafond sebesar Rp. 15 Milyar dan sudah diserap sebesar Rp 6,143 Milyar.
IV. SME)
One of the significant developments in 2009 was the growth of ‘'Scale Medium Enterprises Credit Loan'' (SME) especially in giving loan facilities to the 3 kg of LPG distributors. We counted about 221 new 3 kg LPG distributors as our new customers with a total value of Rp 25 billion in loans. The business move was thanks to our cooperation with Madani Venture Capital (PT Permodalan Venture Capital) which had given us their loan total of Rp 15 billion, of which Rp 6, 143 billion has already been distributed as a credit loan to our customers.
Scale Medium Enterprises Credit Loan (
One of our new customers on ''Scale Medium Enterprises Credit Loan'' (SME) during 2009 was from the Creative Industry Community which was called Creative Clothing Industry Community (KICK). We released loan of around Rp 1,5 billion to this community and we are trying to boost similar loan in 2010. Pada tahun 2009 juga ditandai dengan adanya
penyaluran kredit UMKM kepada komunitas industri kreatif yaitu kepada Komunitas Industri Clothing Kreatif (KICK). Tercatat telah tersalurkan sebesar Rp. 1,5 Milyar dan akan dikembangkan terus pada tahun 2010.
Pertumbuhan Unit Bisnis Business Unit Growth
Penurunan jumlah debitur dan outstanding terjadi di beberapa unit bisnis, ini disebabkan karena adanya program asset sales dan pada kuartal pertama 2009 dilakukan pemberhentian pengucuran kredit, sehingga terjadi take over oleh Bank lain di beberapa unit bisnis terutama untuk nasabah pensiunan.
Presentase pertumbuhan outstanding dan jumlah debitur yang tajam terjadi pada beberapa unit bisnis yang baru, ini merupakan sesuatu yang wajar dikarenakan pada tahun pertama unit bisnis tersebut baru melakukan penetrasi pasar.
There was a decrease in deposits in several business unit caused by asset sales program and we also stopped some of our loan distribution in the first quarter of 2009, so other banks were taking over the Bank Saudara business in the same areas, in particular our retired customers.
On the graphic we can see that some of our Business Unit branch offices have tremendeous positive developments, either from their new customers growth or the loan distribution, this was due to the intensive market penetration in the first year.
Laporan
T
ahunan Bank Saudara 2009
40
(O/S million Indonesian Rp) (O/ S dalam Rp Juta)
KC Bandung I KC Bandung II KC Jakarta KC Bogor KC Cirebon KC Semarang KC Surabaya KC Tasikmalaya KC Jogja KC Denpasar TOTAL BUSINESS UNIT UNIT BISNIS Debitur O/ S -10,09% 11,47% 7,72% 21,92% -0,01% 42,61% 43,30% -29,88% 11,62% 13,24% 49,22% 39,29% 54,19% 59,39% 1516,13% 2176,35% 17500,00% 21607,41% 0,00% 0,00% 4,25% 17,24% GROW TH Debitur O/ S 25.134 443.027 11.592 301.368 17.512 481.291 1.866 166.536 2.487 65.613 1.152 33.703 489 32.398 62 1.995 4 63 - - 31.194 743.335 Des'08 Dec'08 Debitur O/ S 22.598 493.844 12.487 367.415 17.511 686.365 2.674 116.772 2.776 74.298 1.719 46.945 754 51.640 1.002 45.413 704 13.676 292 28.877 32.519 871.465 Des'09Dec'09
Giro
Target Realisasi % Pencapaian
Rupiah 183.596 132.172
72%
Valas 24.777 15.337 62%
Total Giro 208.373 147.509 71%
Realizations % Achievements Current Account
Pencapaian giro pada tahun 2009 sebesar 71% dari yang ditargetkan sebesar Rp 208 Milyar, dimana untuk pencapaian target giro rupiah sebesar 72% dan pencapaian target giro valas sebesar 62%.
Tahun 2009 Bank Saudara berhasil memperoleh 89 giran baru yang 72 diantaranya adalah giran perusahaan dan 17 sisanya adalah giran perorangan.
I. Giro I. Current Account
The achievement of Current account deposits (Giro) in 2009 was around 71% of target of Rp 205 billion where the Indonesian rupiah giro account was around 72% foreign exchange giro accout was 62%.
Bank Saudara successfully achieved 89 new deposits customers in 2009. About 72 of them were corporate accounts and 17 were personal accounts.
Dana Pihak Ke Tiga (DPK)
Dana Pihak Ketiga (DPK) pada tahun 2009 mencapai Rp 2,03 Triliun atau pencapaian 103% dari target sebesar Rp 1,96 Triliun. Dana Pihak Ketiga Bank Saudara secara yoy (year on year) tumbuh sebesar 35,83% dari posisi DPK tahun 2008 sebesar Rp 1,49 Triliun menjadi Rp 2,03 Triliun pada tahun 2009.
Komposisi Target dan Realisasi DPK tahun 2009 adalah sebagai berikut:
The Third Party Fund (DPK)
in 2009 it reached around Rp 2, 03 trillion or up by 103% which exceeded target of Rp 1, 96 trillion. The third party fund in year on year grew about 35, 83% from 2008 which was only Rp 1, 49 trillion to Rp 2, 03 trillion in 2009.
The third party fund realization and target compositions in 2009: Deposito 83% Time Deposit Tabungan 10% Savings Deposits Giro 7% DemandDeposits ( Rp Milyar) (IDR Billion) Bank Saudara Annual Report 2009 41