Perbankan Ritel & Konsumer Retail & Consumer Banking

Penyaluran Kredit berdasarkan Sektor Ekonomi (miliar Rupiah)

Uraian Description

Tahun Year Pertumbuhan Growth

2008 2009 Nominal %

Pertanian฀Agriculture 193 193 0.23 0,12

Pertambangan฀Mining 10 17 7 62,29

Industri฀Pengolahan฀Processing Industry 186 229 43 23,09

Listrik,฀Gas฀&฀Air฀Power Plant, Gas and Irrigation 2.501 3.654 1.153 46,08

Konstruksi฀Construction 481 638 157 32,73

Perdagangan,฀Restoran฀&฀Hotel฀Trading,

Restaurant & Hotels 1.209 1.755 545 45,13

Pengangkutan,฀Pergudangan฀&฀Komunikasi฀

Transportation, Storage & Communication 562 569 7 1,32

Jasa-jasa฀Dunia฀Usaha฀Industrial services 449 943 494 109,89

Jasa฀Sosial฀Masyarakat฀Public Services 115 179 64 55,81

Lain-lain฀Others 13.076 14.821 1.745 13,14

Jumlah฀Total 16.429 19.631 3.203 19,50

Berdasarkan฀ sektor฀ ekonomi,฀ penyaluran฀ kredit฀ dengan฀ persentase฀ pertumbuhan฀ terbesar฀ selama฀ 2009฀ berada฀ pada฀sektor-sektor:

•฀ Jasa-jasa฀ Dunia฀ Usaha฀ tumbuh฀ sebesar฀ 109,89%฀ dari฀posisi฀tahun฀2008฀sebesar฀Rp฀449฀miliar฀menjadi฀ sebesar฀Rp฀943฀miliar฀pada฀tahun฀2009.

•฀ Industri฀ Pengolahan฀ tumbuh฀ sebesar฀ 94,09%฀ dari฀ posisi฀ tahun฀ 2008฀ sebesar฀ Rp฀ 148฀ miliar฀ menjadi฀ sebesar฀Rp฀287฀miliar฀pada฀tahun฀2009.

•฀ Jasa-jasa฀Sosial฀Masyarakat฀tumbuh฀sebesar฀55,81%฀ dari฀posisi฀tahun฀2008฀sebesar฀Rp฀115฀miliar฀menjadi฀ sebesar฀Rp฀179฀miliar฀pada฀tahun฀2009.

•฀ Perdagangan,฀ Restoran฀ dan฀ Hotel฀ tumbuh฀ sebesar฀ 45,13%฀ dari฀ posisi฀ tahun฀ 2008฀ sebesar฀ Rp฀ 1,209฀ miliar฀ menjadi฀ sebesar฀ Rp฀ 1,755฀ miliar฀ pada฀ tahun฀ 2009.

Credit Distribution based on Economic Sector (in billion Rupiah)

Credit disbursement with the highest percentage in 2009 based on economic sector went to:

•฀ Industrial฀ services,฀ with฀ 109.89%฀ growth฀ from฀

Rp 449 billion in 2008 to Rp 943 billion in 2009.

•฀ Processing฀ Industry,฀ with฀ 94.09%฀ growth฀ from฀

Rp 148 billion in 2008 to Rp 287 billion in 2009.

•฀ Public฀ Social฀ Services,฀ with฀ 55.81%฀ growth฀ from฀

Rp 115 billion in 2008 to Rp 179 billion in 2009.

•฀ Trading,฀Restaurants฀and฀Hotels,฀with฀45.13%฀growth฀

from Rp 1.209 billion in 2008 to Rp 1.755 billion in 2009.

Kredit berdasarkan Kolektibilitas

Kolektibilitas Collectibilities

Tahun Year _{Pertumbuhan %}

Growth % 2008 2009 Lancar฀Pass 16.227 19.193 18,38 Dalam฀Perhatian฀Khusus฀ Special Mention 80 143 78,75 Kurang฀Lancar฀Substandard 10 95 850 Diragukan฀Doubtful 19 28 47,36 Macet฀Loss 93 172 84,95

Pencapaian Target Kredit

Pencapaian฀posisi฀kredit฀terhadap฀target฀yang฀ditetapkan฀ tercapai฀sebesar฀Rp฀19,6฀triliun฀atau฀102,25%฀dari฀target฀ tahun฀2009฀sebesar฀Rp฀19,2฀triliun.

Jumlah฀fasilitas฀kredit฀yang฀telah฀diberikan฀namun฀belum฀ ditarik฀ oleh฀ nasabah/debitur฀ (undisbursement loan)

per฀akhir฀Desember฀2009฀sebesar฀Rp฀1,963฀triliun฀atau฀ meningkat฀ 27,96%฀ dari฀ posisi฀ Desember฀ 2008฀ yang฀ merupakan฀realisasi฀kredit฀kepada฀sektor฀produktif. Penyebab฀tingginya฀undisbursement฀loan฀karena฀terdapat฀ syarat฀ penarikan฀ yang฀ belum฀ dipenuhi฀ untuk฀ kredit฀ sindikasi฀dan฀tidak฀sedikit฀nasabah/debitur฀menunggu฀dan฀ melihat฀perkembangan฀adanya฀krisis฀global฀yang฀belum฀ mereda฀dan฀pulih฀benar.฀Hal฀tersebut฀menjadi฀salah฀satu฀ penyebab฀komposisi฀kredit฀tidak฀tercapai฀sesuai฀dengan฀ target฀yang฀ditetapkan฀untuk฀tahun฀2009. Pencapaian Target 2009

Uraian Description Target Target Realisasi Realization Pencapaian Achievement

Kredit฀Credit 19.200 19.631 102,25%

Produktif฀Productive 5.376 3.834 89,93%

Konsumtif฀Consumptive 13.824 14.797 107,04

Produktif฀Productive 28% 24,70% 87,96%

Konsumtif฀Consumptive 72% 75,30% 104,68%

Credit based on Collectibility

Budget Achievement

The actual loan position in 2009 has reached Rp 19.6 trillion or 102.25% from the target of Rp 19.2 trillion.

As per December 2009, the number of undisbursed approved loan facilities to productive sectors totaled Rp 1.963 trillion or an increase of 27.96% from the previous number in December 2008.

The reason for high number of undisbursed loans is due to the disbursement terms and conditions for syndication loans that the customers are unable to meet. Additionally, due to the global economic crisis that has yet to recover became another main reason for most productive sectors to hold their expansion. Therefore, the loan composition did not meet its 2009 target.

Kredit Konsumer

Kredit฀ Konsumer฀ tetap฀ merupakan฀ bisnis฀ utama฀ Bank฀ Jabar฀ Banten฀ sepanjang฀ tahun฀ 2009.฀ Sektor฀ ini฀ telah฀ memberikan฀ konstribusi฀ signiikan฀ terhadap฀ perolehan฀ pendapatan฀Bank.฀Dari฀total฀portofolio฀kredit฀Bank฀Jabar฀ Banten฀ pada฀ tahun฀ 2009฀ sebesar฀ Rp฀ 19,631฀ triliun,฀ sebesar฀ Rp฀ 14,797฀ triliun฀ atau฀ sebesar฀ 75%฀ dari฀ posisi฀ kredit฀merupakan฀portofolio฀kredit฀konsumer฀yang฀terdiri฀ dari฀beberapa฀skim฀kredit฀seperti฀Kredit฀Guna฀Bhakti,฀KPR฀ Multigriya฀dan฀lain-lain.

Perkembangan฀ usaha฀ kredit฀ konsumer฀ selama฀ tahun฀ 2009฀ mengalami฀ peningkatan฀ sebesar฀ Rp฀ 1,718฀ triliun฀ atau฀naik฀13,14%฀dibanding฀dengan฀periode฀yang฀sama฀ pada฀sebesar฀Rp฀13,078฀triliun฀pada฀tahun฀2008฀menjadi฀ Rp฀14,797฀triliun฀pada฀tahun฀2009.

Meningkatnya฀ pertumbuhan฀ kredit฀ konsumer฀ tersebut฀ mengingat฀tingginya฀permintaan฀yang฀tidak฀dapat฀ditahan฀ yang฀hanya฀akan฀diambil฀oleh฀bank฀pesaing.฀Upaya฀untuk฀ mengerem฀ laju฀ pertumbuhan฀ kredit฀ telah฀ dilakukan฀ dengan฀mengalihkan฀pemberian฀kredit฀melalui฀koperasi฀ karyawan,฀namun฀belum฀berhasil฀secara฀optimal.

Kredit Konsumer

Uraian Description Des’08 Des’09 Pertumbuhan Growth

Konsumer฀Consumer 13.078 14.798 13,14%

Kredit Komersial

Kredit฀ Komersial฀ Bank฀ Jabar฀ Banten฀ diarahkan฀ kepada฀ sektor฀usaha฀mikro,฀kecil฀dan฀menengah฀(UMKM). Dalam฀rangka฀memberikan฀pelayanan฀kepada฀kelompok฀ masyarakat฀yang฀belum฀terjangkau฀oleh฀jaringan฀kantor฀ yang฀ dimiliki,฀ maka฀ Bank฀ Jabar฀ Banten฀ telah฀ menjalin฀ kerjasama฀dengan฀koperasi฀dan฀BPR฀yang฀sehat฀dalam฀hal฀ penyaluran฀kredit฀kepada฀UMKM฀melalui฀pola฀channeling maupun฀executing.

Strategi฀yang฀telah฀dilaksanakan฀sepanjang฀tahun฀2009฀ guna฀ meningkatkan฀ penyaluran฀ kredit฀ produktif฀ antara฀ lain:

•฀ Kredit฀Kepada฀Koperasi

฀ Sebagai฀ wujud฀ peran฀ serta฀ dalam฀ memberdayakan฀ koperasi฀ sebagai฀ soko฀ guru฀ perekonomian฀ melalui฀ perkuatan฀ permodalan,฀ Bank฀ Jabar฀ Banten฀ telah฀ pula฀ menyalurkan฀ kredit฀ kepada฀ koperasi.฀ Langkah฀ ini฀diambil฀sebagai฀salah฀satu฀solusi฀bagi฀bank฀untuk฀

Consumer Loan

Consumer Loan remained the Bank’s’ core business in 2009. This sector contributed a significant income to the Bank. From the total credit portfolio of Rp 19.631 trillion, Rp 14.797 trillion or 75% of which, is the consumer loan portfolio, consisting of several credit schemes, such as Kredit Guna Bakti, KPR Multigriya and others.

The development of consumer loan during 2009 increased by Rp 1.718 trillion or 13.14% higher than those in the same period from Rp 13.078 trillion in 2008 to Rp 14.797 trillion in 2009.

This was due to undeterred high demand on consumer loans, which could be acquired by competitors. In order to control credit growth, the Bank distributed the loan by diverting it through employee cooperatives. This effort, however, has yet to be optimized.

Consumer Loan

Commercial Loan

Commercial Loan in Bank Jabar Banten is focused on micro, small and medium-scale enterprises (UMKM). In order to provide services to the community groups unreachable by the Bank’s office network, Bank Jabar Banten has collaborated with cooperatives and sound BPRs (Public Development Banks) to provide loan facilities to UMKM through channeling & executing arrangement.

In order to improve the loan distribution, the Bank has set its strategy during 2009, such as :

•฀ Loan฀to฀Corporate

In relation to support Corporative as a role model in economic matters, Bank Jabar Banten has distributed its loan through Corporative. On the other hand, it is one of the Bank’s solutions to minimize its limitation in number of branches and human resources in

mengatasi฀kendala฀keterbatasan฀jaringan฀kantor฀dan฀ SDM฀ dalam฀ menjangkau฀ para฀ pelaku฀ usaha฀ mikro฀ kecil฀di฀berbagai฀daerah.

Penyaluran฀ kredit฀ kepada฀ koperasi฀ selama฀ tahun฀ 2009฀ mengalami฀ kenaikan฀ signiikan฀ dari฀ semula฀ sebesar฀ Rp฀ 361฀ miliar฀ menjadi฀ Rp฀ 532฀ miliar฀ atau฀ tumbuh฀ sebesar฀ Rp฀171฀miliar฀(47,36%).฀Begitu฀pula฀dari฀jumlah฀koperasi฀ yang฀ mendapat฀ penyaluran฀ kredit฀ dari฀ bank฀ dari฀ 211฀ koperasi฀menjadi฀358฀koperasi฀atau฀bertambah฀sebanyak฀ 147฀koperasi฀(69,67%).

Penyaluran Kredit Kepada Koperasi

Uraian Description

Tahun Year Pertumbuhan Growth

2008 2009 Rp IDR %

Kredit฀Koperasi฀Cooperatives Credit 361 532 171 47,36

Jumlah฀Koperasi฀Total Cooperatives 211 358 147unit 69,67

•฀ Kredit฀Mikro฀Utama ฀ Penyaluran฀Kredit฀Mikro฀Utama฀per฀Desember฀2009฀ mencapai฀Rp฀806฀miliar,฀meningkat฀sebesar฀Rp฀368฀ miliar฀atau฀84%฀terhadap฀periode฀yang฀sama฀tahun฀ 2008฀sebesar฀Rp฀438฀miliar.฀Kredit฀tersebut฀diberikan฀ kepada฀34.032฀pelaku฀usaha,฀naik฀sebanyak฀12.136฀ orang฀ atau฀ 55,42%.฀ Sebagai฀ akibat฀ pertumbuhan฀ kredit฀itu฀telah฀memberikan฀multiplier effect฀terhadap฀ penyerapan฀tenaga฀kerja.฀Tenaga฀kerja฀yang฀terserap฀ sebanyak฀40.814฀orang.

Kredit Mikro Utama

Uraian Description

Tahun Year Pertumbuhan Growth

2008 2009 %

Debitur฀Debtor 21.896 34.032 12.136 55,42

Kredit฀(Rp฀miliar)฀

Credit (Rp billion) 438 805 367 83,80

Tenaga฀Kerja฀terserap฀(orang)

Labor absorb (person) 40.738 40.814 76 0,18

NPL 2,35% 3,55% 1,20% 51,06

acquiring micro business companies in several regions.

The loan distribution to the corporative in 2009 has significantly increased from Rp 361 billion to Rp 532 billion or increased by Rp 171 billion (47.36%). In addition, number of corporative has been increased from 211 corporative to 358 cooperatives or increased by 147 cooperative (69.67%)

Credit Extension to Cooperatives

•฀ Main฀Micro฀Credit

The distribution of Kredit Mikro Utama (Main Micro Credit) as per December 2009 totaled Rp 806 billion or 84% against the December 2008 position of Rp 438 billion. The loans were disbursed to 34,032 entrepreneurs, an increase of 12,136 more entrepreneurs or 55.42%. The credit growth has given a multiplier effect in terms of manpower absorption to a total of 40,814 people.

Bank฀ Jabar฀ Banten฀ merupakan฀ bank฀ pertama฀ diantara฀ Bank฀ Pembangunan฀ Daerah฀ seluruh฀ Indonesia฀ yang฀ beroperasi฀ dengan฀dual banking system,฀ perbankan฀ konvensional฀dan฀syariah.

KINERJA KEUANGAN

Unit฀ Usaha฀ Bank฀ Jabar฀ Banten฀ sejak฀ didirikan฀ pada฀ tahun฀ 2000฀ hingga฀ 31฀ Desember฀ 2009฀ menunjukan฀ pertumbuhan฀yang฀baik.฀

•฀ Aset฀ per฀ 31฀ Desember฀ 2009฀ adalah฀ sebesar฀ ฀ Rp฀ 1.051,57฀ miliar,฀ naik฀ sebesar฀ Rp฀ 307,91฀ miliar฀ atau฀ naik฀ sebesar฀ 41,41%฀ dibandingkan฀ posisi฀ 31฀ Desember฀2008.

•฀ Dana฀ Pihak฀ Ketiga฀ (DPK)฀ per฀ 31฀ Desember฀ 2009฀ mencapai฀Rp฀615,86฀miliar,฀naik฀sebesar฀Rp฀326,92฀ miliar฀ atau฀ naik฀ sebesar฀ 113,15%฀ dibandingkan฀ posisi฀31฀Desember฀2008.

•฀ Penyaluran฀ Piutang฀ dan฀ Pembiayaan฀ per฀ tanggal฀ 31฀ Desember฀ 2009฀ sebesar฀ Rp฀ 706,98฀ miliar,฀ naik฀ sebesar฀Rp฀113,45฀miliar฀atau฀naik฀sebesar฀19,11%฀ dibandingkan฀posisi฀31฀Desember฀2008.

•฀ Outstanding฀ Produk฀ Gadai฀ Emas฀ Syariah฀ per฀ 31฀ Desember฀2009฀adalah฀sebesar฀Rp฀53,39฀miliar,฀naik฀ sebesar฀Rp฀27,27฀miliar฀atau฀naik฀sebesar฀104,43%฀ dibandingkan฀posisi฀31฀Desember฀2008,฀sedangkan฀

Bank Jabar Banten is the first bank among other Regional Development Banks all over Indonesia to operate with a dual banking system, conventional and sharia banking.

FINANCIAL PERFORMANCE

Since its inception in 2000 to December 31, 2009, The Bank Jabar Banten Business Units have shown significant growth.

•฀ Assets฀ as฀ of฀ December฀ 31,฀ 2009฀ is฀ Rp฀ 1,051.57฀

billion, an increase of Rp 307.91 billion or 41.41%, compared to the position as per December 31, 2008.

•฀ Third฀Party฀Funds฀as฀of฀December฀31,฀2009฀reached฀

Rp 615.86 billion, an increase of Rp 326.92 billion or an increase by 113.15% compared to the position as per December 31, 2008.

•฀ Distribution฀and฀Financing฀receivables฀as฀of฀December฀

31, 2009 amounted to Rp 706,98 billion, an increase of Rp 113,45 billion or 19.11% compared to the position as per December 31, 2008.

•฀ Outstanding฀ Shariah฀ Gold฀ Pawn฀ per฀ December฀

31, 2009 totaled Rp 53,39 billion, an increase of Rp 27.27 billion or an increase of 104.43% compared to December 31, 2008, while Syariah Gold product

Unit Syariah Bank Jabar Banten