Upaya bank bjb mengembangkan kr edit Kor por asi dan
Komer sial dif okuskan pada pembiayaan sekt or -sekt or pr odukt if melalui pengembangan layanan dan pr oduk pinjaman yang ber or ient asi pada kebut uhan dan kepent ingan nasabah. Pr oduk kr edit komer sial dikembangkan sesuai kar akt er ist ik bisnis per usahaan ser t a kar akt er ist ik bisnis di sekt or indust r i.
Pr oduk komer sial bank bjb t er bagi at as pr oduk cash loan
dan non cash loan. Pr oduk cash loan t er dir i dar i kr edit modal ker ja dan kr edit invest asi. Sedangkan unt uk pr oduk non cash
loan adalah layanan pener bit an Gar ansi Bank unt uk pr oyek- pr oyek pemer int ah maupun swast a. Kegiat an ini bisa meningkat kan f ee based income bank bjb.
Ter kait dengan segmen, yang menjadi andalan bank bjb
selama t ahun 20 15, di ant ar anya kr edit modal ker ja kepada per usahaan pembiayaan, konst r uksi, sindikasi dan gar ansi bank.
Tantangan dan Strategi 20 15
A. Tant angan t ahun 20 15
1. Kondisi per ekonomian yang melambat
Per ekonomian Indonesia 20 15 t umbuh sebesar 4,79% mer upakan per t umbuhan t er endah sejak t ahun 20 10 . Fakt or -f akt or mempengar uhi per lambat an ekonomi ant ar a lain penur unan per mint aan ekspor dar i negar a t ujuan seir ing dengan per lambat an ekonomi global, t ur unnya har ga minyak dan komodit as, r ealisasi anggar an belanja pemer int ah unt uk inf r ast r ukt ur yang belum opt imal, t ekanan nilai t ukar r upiah akibat r encana kenaikan suku bunga dar i Bank Sent r al AS. 2. Per mint aan kr edit yang t ur un
Fakt or -f akt or yang mempengar uhi per lambat an ekomoni t er sebut diat as secar a ot omat is juga mempengar uhi iklim usaha di Indonesia, sehingga per mint aan kr edit t ur un dit ahun 20 15.
bank bjb’s ef f or t s t o develop Cor por at e and Commer cial
loans is f ocused on f inancing pr oduct ive sect or s t hr ough development of loan pr oduct s and ser vices t hat ar e or ient ed t owar ds t he needs and int er est s of t he cust omer . Commer cial loan pr oduct s ar e developed in accor dance wit h t he char act er ist ics of t he company’s business as well as t he char act er ist ics of t he business wit hin t he indust r y. bank bjb’s commer cial pr oduct s ar e divided int o cash loan
and non-cash loan pr oduct s. Cash loan pr oduct s compr ise of wor king capit al loans and invest ment loans. Meanwhile, non- cash loan pr oduct s compr ise of Bank Guar ant ee issuance ser vices f or gover nment as well as pr ivat e sect or pr oject s. This act ivit y can incr ease bank bjb’s f ee based income.
In regards to this segment, which serves as a mainstay f or bank
bjb throughout 2015, includes working capital loans f or f inancing
companies, construction, syndications and bank guarantee.
20 15 Challenges and Strategy
A. Challenges f or 20 15
1. Slow economic condit ions
Indonesia’s economy in 2015 grew 4.79% that represents the lowest since 2010. Factors that brought about the economic slowdown includes declining export demand in line with the global economic slowdown, f alling oil and commodity prices, government budget expenditure f or inf rastructure that is not yet optimum, pressure on the Rupiah’s exchange rate value as a result of the interest rate hike pressure f rom the US Federal Reserve.
2. Decr easing loan demand
Fact or s t hat led t o t his economic slowdown also aut omat ically af f ect ed Indonesia’s business climat e, wher eby loan demand f ell in 20 15.
usaha ot omat is juga mempengar uhi kondisi usaha debit ur , sehingga r isiko def ault debit ur yang dapat menyebabkan penur unan kualit as kr edit dapat t er jadi.
B. St r at egi 20 15
Pada saat kondisi ekonomi pengalami per lambat an, kr edit kor por asi dan komer sial bank bjb t et ap membukukan
per t umbuhan baik dar i segi kuant it as maupun kualit as yang t er cer min dar i pencapaian NPL 31 Desember 20 15 yang t ur un dibanding 31 Desember 20 14, sebagaimana t abel dibawah ini:
12,0 0 % 10 .0 0 0 9.0 0 0 8.0 0 0 7.0 0 0 6,0 0 0 5.0 0 0 4.0 0 0 3.0 0 0 2.0 0 0 1.0 0 0 - 80 ,0 0 % 10 ,0 0 % 60 ,0 0 % 40 ,0 0 % 20 ,0 0 % 10 ,0 0 % 0 ,0 0 % Sept ember ‘15 Sept ember ‘15 9.172 7.30 0 Desember ‘15 December ‘15 9.246 7.60 0 Juni ‘15 June ‘15 7.597 7.424 Mar et ‘15 Mar ch ‘15 6.271 Desember ‘14 December ‘14 Realisasi Realizat ion Tar get Tar get 6.850 7.0 50 11,26% 11,41% 9,68% 7,51% 4,21% 8,24% 6,19% 6,44% 5,68% 6,32% 7.129 NPL NPL Tar get NPL Tar get NPL 125,64% 10 2,33% 87,96% 97,16%
Pr osent ase Pencapaian | Achievement Per cent age
121,66%
business climat e also af f ect ed t he debt or ’s business condit ion, wher eby t he r isk of debt or def ault led t o t he decline in loan qualit y.
B. 20 15 St r at egy
Amidst t his downt ur n in economic condit ions, bank bjb
cor por at e and commer cial loans cont inued t o r egist er gr owt h bot h in t er ms of quant it y as well as qualit y t hat is r ef lect ed in t he act ual NPL in December 31, 20 15 t hat declined compar ed t o December 31, 20 14, as shown by t he t able below:
Analisa & Pembahasan at as Kiner ja Per ser oan
Management Discussion & Analysis on Company Per f or mance
140
Pencapaian yang baik di t ahun 20 15 ini mer upakan hasil dar i st r at egi yang t elah dit er apkan ant ar a lain:
1. Pr ior it as dan f okus segmen pembiayaan:
a. Inf r ast r ukt ur / Konst r uksi yang ber sumber dar i APBN/ APBD/ Swast a.
b. Mult i Finance dengan por si maksimal 35% dar i t ot al por t of olio.
c. Sindikasi at au Club Deal. d. Sekt or lainnya secar a selekt if .
2. Mendor ong per t umbuhan kr edit segmen komer sial di Kant or Cabang selain kr edit KMK Konst r uksi APBN/ APBD 3. Konsist en dan f okus t er hadap pencapaian Pipe Line
Kr edit yang t elah dit et apkan. 4. Pemant auan kualit as kr edit , yait u:
a. Kr edit yang akan jat uh t empo.
b. Per ger akan kolekt ibilit as dar i Per f or ming Loan ke Non Per f or ming Loan.