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Pendapatan Bunga dan Syariah Net Interest Income and Sharia

Dalam dokumen bjb ar 2012 INDIGO Editorial 19MAR (Halaman 159-167)

Pendapatan Bunga dan Syariah

Net Interest Income and Sharia

Rp Juta Rp million 3.079.494 6.795.686 4.894.312 5.977.050 3.944.548 08 09 10 11 12

Pendapatan operasional lainnya untuk periode Desember 2012 adalah sebesar Rp 330.362 juta. Pendapatan ini sebagian besar berasal dari provisi dan komisi selain dari kredit yang diberikan sebesar Rp 219.213 juta dan lain-lain sebesar Rp 111.149 juta. Pendapatan operasional lainnya tersebut adalah selama 1 tahun dari 1 Januari 2012 sampai dengan 31 Desember 2012. Pendapatan operasional lainnya merupakan pendapatan dari provisi dan komisi serta fee selain dari kredit yang diberikan yang diantaranya berasal dari transaksi tabungan, ATM dan transfer dana, serta peningkatan atas keuntungan dari penjualan surat berharga.

+23,96%

Laba Bersih Net Income

Laba Bersih

Net Income Rp Juta Rp million 542.162 1.193.304 890.171 962.620 709.106 08 09 10 11 12

Beban Operasional Lainnya

Beban operasional lainnya bank bjb dan anak perusahaan untuk periode yang berakhir pada tanggal 31 Desember 2012 adalah sebesar Rp 2.566.496 juta. Beban operasional ini sebagian besar berasal dari beban tenaga kerja dan tunjangan sebesar Rp 967.340 juta, beban umum dan administrasi sebesar Rp 986.237 juta dan penyisihan kerugian penurunan nilai atas aset keuangan dan non keuangan sebesar Rp 403.388 juta.

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Beban Operasional Lainnya Other Operating Expenses

Other operating income for period of December 2012 is Rp 330,362 million. This revenue primarily from fees and commission which is not from Rp 219,213 million and others Rp 111,149 million. Other operating income is for one year period until December 31, 2012. Other operating income is from fees and commission and fee which is not from loans and includes administration fees from savings, ATM charges, and fund transfer, as well as profit from sale of securities.

Other Operating Expenses

Others operating expenses bank bjb and its subsidiary for a period ended at December 31, 2012 is Rp 2,566,496 million. This operating expenses primarily from salary expenses and facilities of Rp 967,340 million, general and administrative expenses of Rp 986,237 million and provision for possible losses of financial assets and non financial Rp 403,388 million.

Introduction Management Discussion & Analysis on Company

Performance

Good Corporate Governance

Corporate Social Responsibility

Financial Review Corporate Data

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Kerugian dari Penjualan Surat

Berharga yang Diperdagangkan 716 147 - - -

Loss on sale of Held-for-Trading Marketable Securities Penyisihan Kerugian Penurunan Nilai

atas Komitmen dan Kontinjensi 133 (35.873) 5.072 7.402 18.723

Allowance For Losses on Decrease In The Value of Commitment and Contingency

Beban Lainnya 208.682 173.670 116.573 97.813 96.222 Other Expenses

Jumlah Beban Operasional Lainnya 2.566.496 2.026.483 1.755.444 1.410.138 1.200.443 Total Other Operational Expenses

Pengelolaan Aset

Tabel berikut menunjukkan komposisi aset bank bjb dan anak perusahaan pada tanggal 31 Desember 2012, 2011, 2010, 2009 dan 2008.

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Kas 1.795.074 1.725.621 1.374.719 1.386.775 1.049.539 Cash Giro pada Bank Indonesia 4.666.015 3.673.929 2.719.321 1.347.701 2.095.787 Current Account in Bank

Indonesia

Giro pada bank lain - bersih 289.686 108.013 201.924 178.414 16.747 Current Account in Others bank

Penempatan pada Bank Indonesia dan Bank lain- setelah dikurangi penyisihan kerugian penurunan nilai

8.011.739 7.779.255 12.546.470 6.764.918 3.507.881

Placement in Bank Indonesia and Other Banks minus Provisions Losses Surat berharga - setelah

dikurangi Penyisihan Kerugian Penurunan Nilai

4.142.992 3.972.149 1.089.946 2.627.916 2.892.623 Securities - Net of Allowance for Impairment Losses Efek-efek yang dibeli dengan

janji dijual kembali 11.567.261 7.394.694 1.322.876 - -

Securities under Resale Agreement

Kredit yang Diberikan Loans

- Pihak-pihak yang Berelasi 195.770 175.060 559.475 702.268 1.392 Related Parties -

- Pihak Ketiga 35.178.620 26.823.406 21.506.842 18.222.719 15.834.145 Third Parties -

(605.667) 26.998.466 22.066.317 18.924.987 15.835.537 Penyisihan Kerugian Penurunan

Nilai 34.768.723 (507.900) (574.526) (388.780) (289.618) Allowance for impairment losses

26.490.566 21.491.791 18.536.207 15.545.919

Pembiayaan Syariah Sharia Financing

- Pihak-pihak yang Berelasi 2.866 1.571 849 3 12 Related Parties -

- Pihak Ketiga 2.955.456 1.764.664 1.602.553 706.978 593.520 Third Parties -

Jumlah 2.958.322 1.766.235 1.603.402 706.981 593.532 Total

Penyisihan Kerugian Penurunan

Nilai (77.844) (33.444) (24.990) (19.653) (16.205) Allowance for impairment losses

Pembiayaan Syariah Bersih 2.880.478 1.732.791 1.578.412 687.328 577.327 Sharia Net Financing

Tagihan Lainnya 67.400 34.916 - - Other Receivables

Tagihan Akseptasi - setelah Dikurangi Penyisihan Kerugian Penurunan Nilai

224.975 78.715 14.556 - - Acceptances Receivable - Net of Allowance for Impairment Losses

Penyertaan Saham - Bersih 27.720 28.850 30.834 29.498 6.412 Net Investment

Aset tetap-setelah Dikurangi

Akumulasi Penyusutan 734.873 559.884 549.014 527.855 456.369

Fixed Assets, Net of Accumulated Depreciation

Aset Pajak Tangguhan - Bersih 3.635 37.174 48.216 45.431 3.553 Differed Tax Asset

Aset Lain-lain - Bersih 1.660.307 832.101 477.621 324.961 183.892 Net Other Asset

Jumlah Aset 70.840.878 54.448.658 43.445.700 32.457.004 23.043.489 Total Assets

Asset Management

This table shows asset composition of bank bjb and its subsidiary on December 31, 2012, 2010, 2009 and 2008.

Jumlah Aset

Pada tahun 2012, total aset bank bjb dan anak perusahaan adalah Rp 70.840.878 juta yang terdiri dari 54,11% Kredit yang diberikan dan 11,31% penempatan pada Bank Indonesia dan bank lain. Nilai total aset ini meningkat Rp 16.392.620 juta atau 30,11% dari Rp 54.448.658 pada tahun 2011. Peningkatan aset ini terutama disebabkan oleh kenaikan dana pihak ketiga sebesar Rp 11.565.148 juta atau 29,62% bila dibandingkan per 31 Desember 2011 yang berjumlah Rp 39.042.777 juta.

Aset Likuid

Aset likuid dimaksudkan untuk memenuhi komitmen kepada nasabah dan pihak lainnya, baik untuk kebutuhan uang tunai (transaksi melalui ATM), pembayaran kembali dana pihak ketiga, pemberian pinjaman dan memenuhi kebutuhan likuiditas lainnya. Adapun komposisi aset likuid bank bjb dan anak perusahaan terdiri dari kas, giro pada Bank Indonesia, giro pada bank lain, penempatan pada bank lain dan surat berharga dalam portofolio di perdagangkan.

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Aset Likuid Liquid Asset

Rupiah 14.467.485 13.164.578 16.640.561 9.497.497 5.935.458 Rupiah

Mata Uang Asing 297.209 123.982 201.967 181.550 310.095 Foreign Currency

Jumlah Aset Likuid – Gross 14.764.694 13.288.560 16.842.528 9.679.047 6.245.553 Total Liquid Asset

+28,76%

+30,11%

Jumlah Aset Total Assets 23.043.489 70.840.878 54.448.658 32.457.004 43.445.700

Aset

Assets Rp Juta Rp million Total Asset

The total asset of bank bjb and its subsidiary in 2012 is Rp 70,840,878 million consisted of 54.11% of loans disbursement and 14.29% placement in Bank Indonesia and other banks. The total asset increase Rp 16,392,620 million or 30.11% from Rp 54.448.658 in the year of 2011. The increase of assets is primarily from the increase of third party of Rp 11,565,148 million or Rp 29.62% compared to 31 December 2011 of Rp 39,042,777 million.

Liquid Assets

Liquid asset is purposed for fulfil commitment to the customers and other parties, in cash (ATM transaction), third party payment, loans, and other liquidity requirement. The composition liquid assets of bank bjb and its subsidiary consists of cash, current account in Bank Indonesia, current account in other banks, interbank placement and trading securities.

Introduction Management Discussion & Analysis on Company

Performance

Good Corporate Governance

Corporate Social Responsibility

Financial Review Corporate Data

Aset Produktif

Aset produktif terdiri atas saldo aset likuid kecuali kas dan giro pada Bank Indonesia ditambah saldo surat berharga dalam portofolio dimiliki hingga jatuh tempo, kredit konvensional dan pembiayaan syariah yang diberikan dan penyertaan saham serta komitmen dan kontijensi pada rekening administratif yang mempunyai risiko kredit. Berikut perkembangan jumlah aset produktif per 31 Desember 2012, 2011, 2010, 2009 dan 2008.

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Aset Produktif On Balance Sheet

Productive Asset On balance Sheet

Giro pada bank lain – Bersih 289.686 108.013 201.924 178.414 19.125 Current Account in other

Banks Penempatan pada Bank

Indonesia dan bank lain – Bersih

8.011.739 7.779.255 12.546.470 6.764.918 3.827.603 Placement in BI and Others

Banks

Surat berharga – Bersih 4.142.992 3.972.149 1.089.946 2.627.916 2.887.668 Securities

Efek-efek yang dibeli dengan

janji dijual kembali 11.567.261 7.394.694 1.322.876 - -

Securities under resale agreement

Tagihan dan piutang lainnya 67.400 34.916 - - - Claim and others Receivables

Kredit yang diberikan – Bersih 34.768.723 26.490.566 21.491.791 18.536.207 15.545.919 Net Loans

Pembiayaan syariah – Bersih 2.880.478 1.732.791 1.578.412 687.328 577.327 Net Sharia Financing

Tagihan Akseptasi – Bersih 224.975 78.715 14.556 Net Acceptance Receivable

Penyertaan saham – Bersih 27.720 28.850 30.834 29.498 29.791 Net Invesment in share

Jumlah On Balance Sheet 61.980.974 47.619.949 38.276.810 28.824.281 22.887.433 Total On Balance Sheet

Off Balance Sheet Off Balance Sheet

Fasilitas kredit kepada debitur

yang belum digunakan 3.090.909 2.996.914 2.453.519 1.963.323 1.529.459

Loan Facility is not used to debitur Irrevocable letter of credit

yang masih berjalan 93.166 96.724 1.338 2.059 1.131 Current LC

Garansi yang diterbitkan 1.130.597 772.278 706.025 668.301 939.283 Warranty issued

Jumlah Off Balance Sheet 4.314.673 3.865.916 3.160.882 2.633.683 2.469.873 Total Off Balance Sheet

Jumlah Aset Produktif 66.295.647 51.485.865 41.437.692 31.457.964 25.357.306 Total Earning Asset

Pengelolaan Kewajiban

Tabel berikut memperlihatkan komposisi kewajiban bank bjb

dan anak perusahaan pada tanggal 31 Desember 2012, 2011, 2010, 2009 dan 2008:

Earning Assets

Earning Assets (Productive assets) consist of the balance of liquid assets except cash and demand deposits (Current) at Bank Indonesia plus the balance of the portfolio securities held to maturity, conventional loan and Islamic Financing (Sharia) facilities, equity investments, commitments and contingencies at the administrative account with the credit risk. This following table growth of productive asset period December 31, 2012, 2011, 2010, 2009 and 2008.

Liability Management

The following table shows the composition of bank bjb and its subsidiary liabilities on December 31, 2012, 2011, 2010, 2009 and 2008:

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Kewajiban segera 1.761.134 950.513 685.700 662.211 320.762 Current Liability

Simpanan nasabah dan simpanan nasabah syariah

50.607.925 39.042.777 31.953.462 23.718.912 18.347.050 Saving and Sharia

Simpanan dari bank lain 6.779.646 5.298.687 3.353.645 2.323.050 2.322.237 Saving Others bank

Kewajiban akseptasi 224.975 78.715 14.556 - - Payable

Efek hutang yang diterbitkan- bersih

2.395.091 2.742.993 1.745.936 1.744.253 1.683.408 Securities Issued

Surat berharga yang dijual denga janji dibeli kembali (Repo)

1.922.795 Securities with sold premises under

repurchase agreements (Repo)

Pinjaman yang diterima 231.160 173.998 12.585 11.101 35.886 Loan Received

Penyisihan kerugian penurunan nilai komitmen dan kontinjensi

1.433 1.300 37.173 32.101 24.699 Allowance Losses

Hutang pajak 45.556 54.679 32.870 51.704 128.816 Tax Payable

Kewajiban pajak tangguhan 32.650 Deferred tax liabilities

Kewajiban lain-lain 829.673 717.897 613.726 775.454 696.141 Other Liability

Jumlah Kewajiban 64.832.038 49.061.559 38.449.653 29.318.786 23.558.999 Total Liability

Jumlah Kewajiban

Jumlah kewajiban bank bjb dan anak perusahaan pada tanggal 31 Desember 2012 adalah sebesar Rp 64.832.038 juta meningkat sebesar Rp 15.770.479 juta atau 32,14% bila dibandingkan dengan jumlah kewajiban bank bjb dan anak perusahaan per 31 Desember 2011 sebesar Rp 49.061.559 juta. Peningkatan tersebut terutama disebabkan oleh meningkatnya simpanan dan simpanan nasabah syariah nasabah sebesar Rp 11.565.148 juta atau 29,62%. Peningkatan simpanan nasabah per 31 Desember 2012 sebagai akibat dari peningkatan pemasaran dan promosi yang efektif yang mengindikasikan meningkatnya tingkat kepercayaan nasabah.

Simpanan Nasabah

Tabel berikut memperlihatkan komposisi simpanan nasabah bank bjb dan anak perusahaan pada tanggal 31 Desember, 2012, 2011, 2010, 2009 dan 2008:

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Giro 14.828.830 11.168.241 7.610.327 8.272.288 7.405.206 Current Account

Tabungan 9.050.286 6.270.783 4.876.716 3.802.574 3.139.322 Saving Account

Total Liabilities

Total liabilities of bank bjb and its subsidiary’ at December 31, 2012 was Rp 64,832,038 million, an increase of Rp 15,770,479 million or 32.14% when compared with total liabilities of the bank bjb and its subsidiary as of December 31, 2011 amounted to Rp 49,061,559 million. The increase was mainly caused by an increase of 29.62% in customer deposits, including sharia deposits, which amounted to Rp 11,565,148 million. The increase in customer deposits as at 31 December 2012 is the result of more effective marketing and promotion campaigns, while also indicating increased trust from the customers.

Customers Deposit

The following table shows the composition of bank bjb and its subsidiary customer deposits as per December 31, 2012, 2011, 2010, 2009 and 2008:

Introduction Management Discussion & Analysis on Company

Performance

Good Corporate Governance

Corporate Social Responsibility

Financial Review Corporate Data

dan Rp 9.050.286 juta. Jumlah simpanan nasabah bank bjb

dan anak perusahaan per 31 Desember 2012 meningkat sebesar Rp 11.565.148 juta atau 29,62% bila dibandingkan dengan simpanan nasabah bank bjb per 31 Desember 2011 yang berjumlah Rp 39.042.777 juta.

Tabungan

Pada tanggal 31 Desember 2012 bank bjb dan anak perusahaan telah berhasil menghimpun simpanan nasabah dalam bentuk tabungan sebesar Rp 9.050.286 juta atau meningkat sebesar Rp 2.779.503 juta atau 44,32% dibandingkan per 31 Desember 2011.

Deposito Berjangka

Per 31 Desember 2012, bank bjb dan anak perusahaan berhasil menghimpun dana masyarakat dalam bentuk deposito berjangka sebesar Rp 26.758.809 juta, meningkat sebesar Rp 5.125.056 juta atau naik 23,72% dibandingkan per 31 Desember 2011 Rp 21.603.753 juta. Peningkatan Deposito bank bjb disebabkan adanya peningkatan agresivitas pelaksanaan strategi pemasaran dan perluasan jaringan kerja dengan membuka kantor-kantor cabang di luar Jawa Barat dan Banten serta semakin fokusnya bank bjb pada bisnis priority banking.

Kredit Yang Diberikan

Jumlah kredit yang diberikan bank bjb dan anak perusahaan pada tanggal 31 Desember 2012, 2011, 2010, 2009 dan 2008 dapat dilihat pada tabel berikut:

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Kredit yang diberikan – Gross 38.332.712 28.764.701 23.669.719 19.631.968 16.429.069 Loans

Dikurangi penyisihan kerugian (683.511) 541.344 (599.516) (408.433) (305.823) Allowance Losses

Kredit yang diberikan – Bersih 37.649.201 28.223.357 23.070.203 19.223.535 16.123.246 Net Loans

Uraian - Bank only (dalam miliar)

31 Desember / December 31 Description - Bank only

(in billion) 2012 2011 2010 Konsumer 22.626 19.168 15.960 Consumer Mikro 4.545 2.975 2.364 Micro Komersial 6.337 4.402 3.652 Commercial KPR 1.721 453 91 Mortgage

Total kredit - Gross 35.229 26.998 22.066 Total Gross Loans

and its subsidiary customer deposits as of December 31, 2012 increased by Rp 11,565,148 million or 29.62% when compared to bank bjb deposits as of December 31, 2011 which amounted Rp 39,042,777 million.

Savings

On December 31, 2012 bank bjb and its subsidiary managed to collect deposits from customer of Rp 9,050,286 million or an increase Rp 2,779,503 million or 44.32% as December 31, 2011 compared to December 31, 2011.

Time Deposits

As of December 31, 2012, bank bjb and its subsidiary managed to raise third party funds in the form of time deposits of Rp 26,758,809 million, an increase of Rp 5,125,056 million or 23.72%, compared to Rp 21,603,753 million at 31 December 2011. The increase in time deposits is mainly caused by the aggressiveness of marketing strategies implementation and expansion of network by opening branch offices outside of West Java and Banten as well as increased focus by bank bjb to its priority banking business.

Loans

Total loans given by bank bjb and its subsidiary as per December 31, 2012, 2011, 2010, 2009 and 2008 can be seen in the following table:

13.047.515 38.332.712 23.669.719 28.764.701 19.631.968 08 09 10 11 12

Kredit

Loan Rp Juta Rp million

+33,26%

KREDIT Loans 64,23% 12,90% 17,99% 4,89% Konsumer/Consumer Mikro/Micro Komersial/Consumer KPR/Mortgage

Komposisi Kredit

Loan Composition

Segmentasi kredit yang diberikan bank bjb didominasi oleh kredit konsumtif terutama Kredit Guna Bhakti yaitu fasilitas kredit yang diberikan kepada Pegawai Negeri Sipil (PNS) berpenghasilan tetap untuk keperluan konsumtif seperti biaya sekolah, pembelian peralatan rumah tangga, pembelian kendaraan dan sebagainya. Pada 31 Desember 2012, komposisi kredit Konsumer sebesar Rp 22.626 miliar atau 64,23%, kredit mikro sebesar Rp 4.545 miliar atau 12,90%, kredit komersial sebesar Rp 6.337 miliar atau 17,99% serta Kredit Pemilikan Rumah sebesar Rp 1.721 miliar atau sebesar 4,89% dari total portofolio kredit.

Penyaluran Dana

Posisi kredit yang diberikan bank bjb dan anak perusahaan (Bersih) pada tanggal 31 Desember 2012 adalah sebesar Rp 37.649.201 juta yang terdiri dari kredit yang diberikan – gross sebesar Rp 38.332.712 juta dan penyisihan kerugian sebesar Rp 683.511 juta. Posisi kredit yang diberikan bank bjb

dan anak perusahaan (Bersih) per 31 Desember 2012 meningkat sebesar Rp 9.425.844 juta atau 33,40% dibandingkan per 31 Desember 2011 sebesar Rp 28.223.357 juta. Peningkatan kredit yang diberikan terutama disebabkan oleh tetap tumbuhnya kredit konsumsi serta semakin fokusnya bank bjb

dalam menyalurkan Kredit Mikro Utama melalui jangkauan jaringan waroeng bjb yang terdapat di kantor cabang, kantor

Credit segmentation by bank bjb is dominated by consumptive credit especially Kredit Guna Bhakti which is given to government civil employees with fixed income for consumptive need such as education, household equipment, vehicle purchase, etc. As at December 31, 2012, consumer credit accounted for Rp 22,626 billion or 64.23%, micro credit Rp 4,545 billion or 12.90%, commercial credit Rp 6,337 billion or 17.99%, while mortgage loans accounted for Rp 1,721 billion or 4.89%, from the total credit portfolio.

Lending

Outstanding loans (Net) of bank bjb and its subsidiary on December 31, 2012 amounted to Rp 37,649,201 million, which consists of loans - gross of Rp 38.332.712 million and allowance for losses amounting to Rp 683,511 million. Outstanding loans of bank bjb and its subsidiary (Net) as of December 31, 2012 represents an increase of Rp 9.425.844 million or 33.40% compared to December 31, 2011 of Rp 28,223,357 million. The increase in loans was primarily due to the growth of consumer credit, as well as the increasing focus of bank bjb in disbursing its Kredit Mikro Utama (micro credit) through waroeng bjb

outlets in branch offices, sub-branch offices and other strategic locations.

Introduction Management Discussion & Analysis on Company

Performance

Good Corporate Governance

Corporate Social Responsibility

Financial Review Corporate Data

Berikut ini pembagian kredit yang diberikan berdasarkan sektor.

Uraian 31 Desember / December 31 Description

2012 2011 2010 2009 2008

Pertanian 381.926 288.287 235.490 202.222 46.924 Agriculture

Pertambangan 583.945 205.781 36.509 13.955 12.654 Mining

Industri 1.070.375 525.206 382.091 285.843 118.558 Industry

Listrik, gas dan air 63.230 133.515 37.987 254.905 186.351 Electric, Gas and Water

Konstruksi 1.851.480 1.143.567 967.916 687.846 433.497 Construction

Perdagangan 4.652.671 3.339.241 2.732.189 1.645.203 837.331 Trade

Pengangkutan dan Pergudangan 562.706 276.767 522.951 423.387 419.921 Transportation and Warehouse

Jasa dunia usaha 3.345.646 1.767.377 1.249.772 709.712 303.903 Business Service

Jasa-jasa sosial 467.061 387.338 284.376 183.236 77.163 Social Service

Lain-lain 25.353.672 20.697.622 17.220.437 14.518.678 13.399.235 Others

Jumlah 38.332.712 28.764.701 23.669.719 18.924.987 15.835.537 Total

Penyisihan Kerugian (683.511) (541.344) 599.516 417.043 289.618 Provisioning

Jumlah kredit yang diberikan – Gross

37.649.201 28.223.357 23.070.203 18.507.944 15.545.919 Total Loans

66,14% Lain-lain/Others 4,8% Konstruksi/Construction

0,99% Pertanian/Agriculture 12,14%Perdagangan/Trade

1,52% Pertambangan/Mining 1,46% Pengangkutan & Pergudangan/ Transportation & Housing

2,79% Industri/Industrial

8,73% Jasa Dunia Usaha/Business Services

0,16% Listrik, Gas & Air/Water,

Gas & Electrical 1,23% Jasa-jasa Sosial/Social Services

Dalam dokumen bjb ar 2012 INDIGO Editorial 19MAR (Halaman 159-167)