bank bjb Company Industri Industry 11,20% 35,38%
35,38%
Pertumbuhan Kredit 2013 bank bjb dan Industri
Credit Growth in 2013 Company and Industry
bank bjb Company Industri Industry 21,80% 27,71%
27,71%
Akibat kondisi makro ekonomi yang cenderung memberi tekanan terhadap industri perbankan, terutama adanya kenaikan suku bunga acuan, hal itu menimbulkan potensi semakin tingginya cost of fund pada perbankan. Suku bunga pada Perseroan pun dinaikkan secara konservatif guna menghindari risiko yang lebih besar.
Pressures from the global macro-economic and financial conditions increased the risks in the domestic financial sector. Nevertheless, the general resilience of the financial sector in Indonesia was relatively maintained.
This was reflected through the Financial System Stability Index, a study result from Bank Indonesia, which stated the situation was normal. The condition means the combination of the effects of the pressure was still limited.
As a Company that continues to grow and seeks to develop our network and scope, bank bjb always considers the various external factors that provide impacts to our business. Therefore, bank bjb
consistently focus the business on the segment with risks that are already identified, followed by the development of other segments, in line with the readiness of the supporting infrastructure.
bank bjb business began by optimizing the potentials that exist in the nearest neighbourhood, namely the region of West Java and Banten, and then extended to other areas.
Similarly with the development of products and services, the Company began with banking transactions for the smaller scope, subsequently growing and developing just like other commercial banks that provide banking services for the public.
In banking industry, particularly an increase in the benchmark rate raises the potential of higher cost of funds. The interest rate of the Company was raised conservatively in order to avoid greater risks.
Introduction
Management Discussion
& Analysis on Company
Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements
Hal itu menyebabkan penghimpunan dana pihak ketiga, terutama pada tabungan berjangka seperti deposito, menjadi kurang kompetitif. Sepanjang tahun lalu, Perseroan hanya dapat merealisasikan penghimpunan dana pihak ketiga sebesar 91,27% dari target yang ditetapkan.
Kendati demikian, untuk porsi tabungan, realisasinya melampaui target, yaitu 109,82% dari target. Dari sisi pertumbuhan dibandingkan tahun sebelumnya, bahkan lebih tinggi dari rata-rata pertumbuhan tabungan pada bank umum. Tabungan yang berhasil dihimpun bank
bjb tumbuh 35,38% secara tahunan (YoY), sementara rata-rata perbankan hanya 11,20%.
Dari sisi penyaluran dana untuk kredit, kinerja bank bjb juga di atas rata-rata perbankan pada umumnya. Laju pertumbuhan kredit yang disalurkan bank bjb sepanjang tahun 2013 mencapai 27,71%.
This made the collection of third-party funds, mainly in the form of deposits such as time deposits, become less competitive. Over the past year, the Company was only able to realize third-party funds as much as 91.27% of the targeted third-party fund.
Nevertheless, for savings, realization exceeded the target, that is 109.82% of the target. In terms of growth over the previous year, the growth of savings was even higher than the average growth of savings of the commercial banks. The growth of savings bank bjb
was 35.38% YoY, meanwhile the average growth of savings of commercial banks was only 11.20%.
In terms of credit distribution, bank bjbperformance was also above the average performance of banking in general. bank bjb rate of credit growth during the year 2013 reached 27.71% over the
70
Sementara rata-rata perbankan nasional, seperti dilaporkan dalam data Statistik Perbankan Bank Indonesia, hanya tumbuh sebesar 21,80%.
Kinerja bank bjb yang masih positif tersebut ikut memberikan pengaruh besar terhadap pembukuan laba. Hingga akhir tahun lalu, pencapaian laba hingga 105,62% dari target atau tumbuh 47,01% dibandingkan tahun sebelumnya.
Sedangkan dari sisi aset, walaupun tidak mencapai target yang diproyeksikan, namun tetap mengalami pertumbuhan yang positif. Jika pada tahun 2012 aset Perseroan sebesar Rp66,99 triliun, pada tahun 2013 tumbuh 0,07% menjadi Rp67,04 triliun.
Prospek 2014
Jika sepanjang tahun 2013 tingkat inflasi terus merangkak naik dari posisi 4,57% pada Januari 2013 dan berakhir di level 8,38% pada Desember 2013. Pada januari 2014, tingkat inflasi justru mulai menunjukan kestabilan dan berada pada level 8,22% (YoY). Bahkan pemerintah yakin, seperti tercermin pada APBN 2014, inflasi tahunan akan berada di angka 5,5%.
Dengan terkendalinya inflasi, diharapkan memberikan peluang Bank Indonesia untuk dapat menurunkan suku bunga acuan menjadi lebih kompetitif. Karena itu, secara umum, prospek usaha perbankan sepanjang tahun 2014 tetap memiliki peluang tumbuh dari tahun 2013, walaupun moderat. Salah satu faktor yang menjadi peluang adalah jumlah penduduk yang besar dan potensi pasar yang belum digarap.
Selain itu, data Lembaga Penjamin Simpanan (LPS) juga menunjukan indikator yang positif. Ada kenaikan yang signifikan pada jumlah rekening yang dihimpun oleh perbankan Indonesia, walaupun mayoritas atau 97,72% nilai simpanan dari masing-masing rekening tersebut masih pada kisaran kurang dari Rp100 juta.
previous year. Meanwhile the average rate of credit growth in the national banking industry, as reported in the Banking Statistics data of Bank Indonesia, only grew by 21.80%.
bank bjb performance is still positive involved a major influence on the accounting profit. Until late last year, profit up 105.62% achievement of the target or grow 47.01% compared to the previous year. In terms of assets, the assets of the Company remained to grow positively although not achieving the target. If the assets of the company in 2012 amounted Rp66,99 trillion, in 2013 the assets of the Company grew by 0.07% to Rp67,04 trillion.
Prospect in 2014
During 2013, the inflation rate continued to rise from 4.57% in January 2013 and ended at the level of 8.38% in December 2013. In January 2014, the inflation rate started to show stability and at the level of 8.22% (YoY). The Government believes, as reflected in the State Budget 2014, the annual inflation rate will be at 5.5%. Controlled inflation is expected to provide an opportunity for Bank Indonesia to decrease the BI rate in order to be more competitive. Therefore, in general, the prospect of the banking business in 2014 still has the chance to grow from 2013, although moderate. One of the factors that becomes an opportunity is the large population and untapped market potentials.
In addition, the data from the Deposit Insurance Corporation also showed a positive indicator. There was a significant increase in the number of accounts collected by Indonesian banks, although the majority or 97.72% of the deposit value of each the account is still in the range of less than Rp100 million.
Introduction
Management Discussion
& Analysis on Company
Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements