BJBR AM 1Q2015 Bahasa

(1)

Lebih Besar, Lebih Kuat, Lebih Baik

bank

bjb

(2)

Hal. 5

Ringkasan Kinerja

Hal. 10

Breakdown Kredit

Hal. 15

Breakdown Dana Pihak Ketiga

Hal. 16

Kualitas Aktiva Produktif

Hal. 19

Analisis Imbal Hasil

Hal. 21

Kecukupan Modal

Hal. 22 Kinerja Kredit Konsumer (Detail)

Hal. 29

Kinerja Anak Perusahaan (bank bjb Syariah)

Hal. 35 Profil Perusahaan

(3)

Source: Bloomberg Source: Bloomberg

Indeks Kepercayaan Konsumen Menurun

Ekonomi Makro

BI Rate turun 25 bps menjadi 7.50%

Pelemahan Rupiah Terus Berlanjut

Tingkat Inflasi berada di Batas Atas

0

USDIDR 10Yr Govt Bond 0

Consumer Confidence Index

(4)

Sektor Perbankan

Per Jan‘15, kinerja sektor perbankan adalah sbb:

• Total Kredit +11.64%YoY menjadi Rp3,667 tr (Kredit

Investasi +13.76 % YoY, Kredit Modal Kerja +10.73%

YoY, Kredit Konsumer +10.98% YoY)

• Total Dana Pihak Ketga +14.23% YoY menjadi

Rp4.106 tr (CASA -3,84% YoY, Deposito Berjangka

+24.07% YoY, Rasio CASA 51.51%)

• NPL +0,37% YoY menjadi 2,31%

• ROA -0,08% YoY menjadi 2.87%

Source: Bank Indonesia

Source: Bank Indonesia -

Loans Growth Deposit Growth

-

(5)

Ringkasan Kinerja

• Pendaptan Bunga Bersih Rp 1.2 T (+11.2% YoY/ +1.2% QoQ)

• Laba Operasional Sebelum CKPN Rp 559 M (+8.0% YoY/

+13.2% QoQ)

• Beban CKPN Rp 61 M (-40.9% YoY/ -60.2% QoQ)

• Laba Bersih Rp 388 M (+18.9% YoY/ -3.8% QoQ)

Laporan

Laba Rugi

• Total Kredit Rp 49.9 T (+9.5% YoY/ +0.5% QoQ)

• Total Pembiayaan Syariah Rp 4.6 T (+27.3% YoY/ 5.5% QoQ)

• Total DPK Rp 71.4 T (+16.1% YoY/ +23.7% QoQ)

• Total Aset Rp 87.6 T (+11.0% YoY/ +15.5% QoQ)

Neraca

• NIM 6.8% (0bps YoY/ -3bps QoQ)

• ROA (Net) 2.0% (+13bps YoY/ +48bps QoQ)

• ROE (Net) 21.4% (+203bps YoY/ +483bps QoQ)

• NPL (Gross) 4.2% (+37bps YoY/ +3bps QoQ)

Rasio

Keuangan

(6)

Target dan Pencapaian

(%) Target 1Q14 2Q14 3Q14 4Q14 1Q15

Pertumbuhan

Kredit 14% - 15% 20.3 14.6 11.7 10.5 10.9 Pertumbuhan

Dana Pihak Ketiga

16% - 17% 26.5 13.4 14.2 15.5 16.1

ROA (net) 1.7% - 1.9% 1.9 1.3 1.3 1.5 2.0

ROE (net) 16% - 19% 19.4 14.7 14.5 16.6 21.4

NIM 7% - 7.1% 6.8 6.4 6.7 6.8 6.8

Biaya Dana 5.4% - 5.8% 5.8 6.0 5.9 5.9 5.4

Rasio Cost to

Income 58% - 62% 55.4 59.8 59.4 61.8 59.3

NPL (Gross) 2.8% - 3% 3.8 4.0 4.1 4.2 4.2

Credit Cost 1.0% - 1.2% 1.4 1.4 1.6 1.5 1.4

(7)

Rasio-Rasio Keuangan (bank)

Rasio Utama 1Q14 2Q14 3Q14 4Q14 1Q15

Profitabilitas

ROA (net) 1.9 1.3 1.3 1.5 2.0

ROE (net) 19.4 14.7 14.5 16.6 21.4

Rasio Efisiensi

Rasio Cost to Income 55.4 59.8 59.4 61.8 59.3

BOPO 79.6 85.0 85.2 85.9 78.0

Imbal Hasil

Imbal Hasil Asset 12.5 12.4 12.6 12.6 12.1

Biaya Dana 5.8 6.0 5.9 5.9 5.4

NIM 6.8 6.4 6.7 6.8 6.8

LDR 78.2 80.5 79.7 93.2 74.6

Kualitas Aktiva

Rasio Kredit Dapersus 3.8 3.9 3.4 3.2 3.3

NPL (Gross) 3.8 4.0 4.1 4.2 4.2

NPL (Net) 1.3 1.1 1.0 1.0 1.1

Coverage Ratio 68.5 73.5 79.4 77.2 75.8

CKPN / Total Kredit 2.6 2.9 3.4 3.2 3.2

Credit Cost 1.4 1.4 1.6 1.5 1.4

(8)

Laporan Laba Rugi

Laporan Laba Rugi

(Rp Miliar) 1Q14 1Q15

YoY (%)

Pendapatan Bunga 2,125 2,265 6.6%

Beban Bunga 1,045 1,064 1.8%

Pendapatan Bunga Bersih 1,080 1,201 11.2%

Fee Based Income 65 88 35.4%

Beban Operasional 643 750 16.8%

Gain (Loss) on Financial Statement 15 20 34.4%

Laba Operasional Sebelum CKPN 517 559 8.0%

Beban CKPN 104 61 -40.9%

Pendaptan Non Operasional 1 (7) -

Laba Sebelum Pajak 414 491 18.5%

Beban Pajak (88) (102) 16.9%

(9)

Neraca

Neraca

(Rp Miliar) 1Q14 2Q14 3Q14 4Q14 1Q15

YoY (%)

Kas atau Setara Kas 1,607 1,984 1,763 2,768 1,726 7.4% Giro pada Bank

Indonesia 4,622 4,861 4,839 5,178 5,127 10.9% Cadangan Sekunder 21,393 18,296 17,411 12,599 24,908 16.4% Kredit (net) 44,329 46,554 47,602 48,028 48,280 8.9% Pembiayaan Syariah

(net) 3,588 3,770 4,014 4,301 4,528 26.2% Aktiva Tetap (net) 698 683 672 664 648 -7.1% Aktiva Lainnya 2,662 2,433 2,430 2,299 2,342 -12.0%

Total Aktiva 78,899 78,581 78,731 75,837 87,559 11.0%

Total Dana Pihak Ketiga 61,522 62,435 64,587 57,741 71,417 16.1% Surat Berharga Yang

Diterbitkan 2,121 2,121 1,722 1,722 1,722 -18.8% Pinjaman Diterima 6,643 6,165 4,498 6,443 5,311 -20.0% Lainnya 2,326 1,422 1,248 2,847 2,333 0.3%

(10)

Breakdown Kredit (bank)

(11)

Kredit Konsumer

Indikator Utama 1Q14 1Q15 YoY

(%)

Posisi Kredit 29,892 34,681 16.0 %

Ekspansi Netto

(Rp Miliar) 1,035 1,103 6.5%

Rata-Rata Per Debitur (Rp Miliar)

87 98 12.1 %

Jumlah Debitur 343,193 355,239 3.5 %

Tingkat Suku

Bunga 15.00%-18.45% % eff. p.a

Kualitas Aktiva 1Q14 1Q15 YoY

(%)

Dalam Perhatian

Khusus 0.22 0.21 -0.01

Civil Servant Loans (LHS) Pensioner Loans (LHS)

(12)

Kredit Mikro

*Kredit Mikro Utama

(%)

Dalam Perhatian

Khusus 18.3 13.7 -4.6

NPL 16.4 25.5 +9.1

Key Ratios 1Q14 1Q15 YoY

(%)

Posisi Kredit 5,166 4,182 -19.1 %

Ekspansi Netto

(Rp Miliar) (187) (324) -72.9%

Rata-Rata per Debitur (Rp Miliar)

55 56 1.9 %

Jumlah Debitur 93,408 74,186 -20.6 % Tingkat Suku

(13)

Kredit Komersial

Key Ratios 1Q14 1Q15 YoY

(%)

Posisi Kredit 6,091 6,271 3.0 %

Ekspansi Netto

(Rp Miliar) (897) (578) 35.6%

923 1,269 37.5 %

Jumlah Debitur 6,600 4,942 -25.1 %

Tingkat Suku

Bunga 6.3% -14.5% eff. p.a

(%)

Dalam Perhatian

Khusus 4.5 4.5 -

Working Capital (LHS) Investment (LHS)

(14)

Kredit Pemilikan Rumah

Key Ratios 1Q14 1Q15 YoY

(%)

Posisi Kredit 4,143 4,480 8.1 %

Ekspansi Netto

(Rp Miliar) 232 36 -84.5%

271 254 -6.2 %

Jumlah Debtitur 15,271 17,609 15.3 %

Tingkat Suku

Bunga 7.3% - 13.7% eff. p.a.

Kualitas Aktiva 1Q14 1Q15 YoY (%)

Dalam Perhatian

Khusus 10.5 15.4 +4.9

(15)

Breakdown Dana Pihak Ketiga (bank)

(16)

Kualitas Aktiva Produktif

Credit Provision (LHS) Absolute NPL (LHS)

(17)

Kredit Dalam Perhatian Khusus

Consumer (LHS) Micro (LHS) Commercial (LHS)

Mortgage (LHS) % to Loans (RHS)

(18)

Non Performing Loans

Consumer (LHS) Micro (LHS)

Commercial (LHS) Mortgage (LHS)

% to Loans (RHS)

(19)

Analisis Imbal Hasil

Surat Berharga yang

Diterbitkan 9.0 11.0

Placement to Bank

(20)

Komposisi Nasabah

Consumer Micro Commercial Mortgage

1.2 0.9 0.8 0.4 0.4 0.4 0.4 0.5 0.5

(21)

Kecukupan Modal

Aktiva Tertimbang Menurut Risiko

(ATMR)

1Q14 1Q15 YoY (%)

Total ATMR 33,596 36,494 8.6 %

Risiko Kredit 25,290 27,115 7.2 %

Risiko Operasional 7,204 8,150 13.1 %

Risiko Pasar 1,102 1,229 11.5 %

ATMR/Total Aktiva 45.3% 44.6% -0.7%

Modal Inti 5,433 5,679 4.5 %

Modal Pelengkap (5) 17 -

Total Modal 5,428 5,696 5.0 %

Tier-1 CAR 16.2% 15.6% -0.6%

Total CAR 16.2% 15.6% -0.6%

Analisa KPMM ATMR

Penambahan ATMR Untuk Ekspansi Rp 1 Triliun (net)

Dampak thd KPMM

(%)

Kredit Konsumer 50% Rp 500 M 0.21

Kredit Mikro 75% Rp 750 M 0.31

Kredit Komersial 100% Rp 1 T 0.42

KPR 40% Rp 400 M 0.17

• Total Modal sebesar Rp 5.7 T ( +Rp 269 M YoY)

(22)

(23)

• Total Kredit Konsumer Rp 34.7 T(+16.0% YoY/ +3.3% QoQ)

• Ekspansi netto sebesar Rp 4.8tr YoY/ +1.1tr QoQ

• Total Kredit Konsumer berkontribusi sebesar 69.9%

( +390bps YoY/ +190bps QoQ)

• Jumlah Debitur sebesar 355,239 Nasabah (+12,046 YoY/ +4,793 QoQ)

Pertumbuhan

• NPL 0.09 % (-2bps YoY/ +1bps QoQ)

• NPL Nominal sebesar Rp 32.5 bn (-0.4bn YoY/ +3.9bn QoQ)

• Kredit Dalam Perhatian Khusus 0.21% (-1bps YoY/ +5bps QoQ)

• Kredit Dalam Perhatian Khusus sebesar Rp 72.6 bn (+5.8bn YoY/ +19.4bn QoQ)

Kualitas

(24)

Kredit Konsumer

(%)

Posisi Kredit 29,892 34,681 16.0 %

Ekspansi Netto

(Rp Miliar) 1,035 1,103 6.5%

87 98 12.1 %

Jumlah Debitur 343,193 355,239 3.5 %

Tingkat Suku

Bunga 15.00%-18.45% % eff. p.a

(%)

Dalam Perhatian

Khusus 0.22 0.21 -0.01

(25)

Kredit Kepada Pegawai Negeri Sipil

(%)

Posisi Kredit 27,682 31,888 15.2 %

Ekspansi Netto

(Rp Miliar) 843 951 12.8%

88 99 12.5 %

Jumlah Debitur 312,969 320,611 2.4 %

Tingkat Suku Bunga 15.00%-18.45% % eff. p.a

Dalam Perhatian

Khusus 0.21 0.20 -0.01

(26)

Kredit Kepada Pensiunan

(%)

Posisi Kredit 2,210 2,793 26.3 %

Ekspansi Netto

(Rp Miliar) 192 152 -21.1%

73 81 10.3 %

Jumlah Debitur 30,224 34,628 14.6 %

Tingkat Suku

Bunga 15.00%-18.45% % eff. p.a

Dalam Perhatian

Khusus 0.39 0.31 -0.08

(27)

Kredit Dalam Perhatian Khusus

Nominal Kredit Dalam Perhatian Khusus +8.7% YoY Kontribusi Kredi Pensiunan +6.8% YoY

61.3 56.2 48.3 55.6 58.3 72.4 59.8 45.1 64.0

Special Mention Loans (RHS)

91.7 89.7 89.5

(28)

Non Performing Loans

NPL Nominal Kredit Konsumer -1.1% YoY Kontribusi Kredit Pensiunan +7.6% YoY

29.0 28.1 29.7 31.3 30.7 32.0 30.3

NPL (RHS)

(29)

Kinerja Bisnis Syariah

(30)

Ringkasan Kinerja

• Pendapatan Marjin Bersih Rp 75.5 M (+37.4% YoY)

• Beban Operasional Rp 85.5 M (+39.1% YoY)

• Laba Bersih Rp 727 Juta (-27.4% YoY)

Laporan

Laba Rugi

• Total Pembiayan Rp 4.6 T (+27.3% YoY)

• Total Dana Pihak Ketiga Rp 4.8 T (+37.0% YoY)

• Total Aktiva at Rp 6.0 T (+17.0% YoY)

Neraca

• NIM at 6.2% (+62bps YoY)

• ROA at 0.1% (-7bps YoY)

• ROE at 0.5% (-18bps YoY)

• NPF Gross at 7.2% (+423bps YoY)

Rasio

Keuangan

(31)

Rasio Keuangan

Rasio Utama (%) 1Q14 1Q15 YoY

CAR 18.1% 13.7% -4.4%

NPF Gross 3.0% 7.2% +4.2%

NPF Nett 2.3% 5.0% +2.7%

ROA 0.1% 0.1% -

ROE 0.7% 0.5% -0.2%

NIM 5.6% 6.2% +0.6%

BOPO 97.4% 98.7% +1.3%

(32)

Laporan Laba Rugi

Laporan Laba Rugi

(Rp Juta) 1Q14 1Q15 YoY

Pendapatan Marjjin 137,639 173,309 25.9%

Beban Marjin 82,695 97,811 18.3%

Marjin Bersih 54,944 75,498 37.4%

Pendapatan Operasional Lainnya 8,175 11,149 36.4%

Beban Operasional 61,489 85,544 39.1%

Pendapatan Operasional 1,630 1,103 -32.3%

Pendapatan (Biaya) Non Operasional 135 5 -96.3%

Laba Sebelum Pajak 1,765 1,108 -37.2%

Beban Pajak (764) (381) -50.1%

(33)

Neraca

Ringakasan Neraca

(Rp Juta) 1Q14 1Q15 YoY

Kas atau Setara Kas 27,513 27,806 1.1% Giro pada Bank Indonesia 165,055 220,552 33.6%

Cadangan Sekunder 1,082,651 961,291 -11.2% Pembiayaan-net 3,587,975 4,528,102 26.2% Aktiva Tetap-net 164,176 158,884 -3.2% Aktiva Lainnya 95,848 99,126 3.4%

Total Aktiva 5,123,218 5,995,761 17.0%

Total Dana Pihak Ketiga 3,466,662 4,750,923 37.0%

Pinjaman Diterima 974,631 542,113 -44.4%

Lainnya 64,917 63,247 -2.6%

Total Kewajiban 4,506,210 5,356,283 18.9%

(34)

Kinerja Bisnis

Penyaluran Dana

(Rp Juta) 1Q14 1Q15

Total Pembiayaan (Gross) 3,646,485 4,640,709 27.3%

Penghimpunan Dana

(Rp Juta) 1Q14 1Q15

(35)

Profil Perusahaan

(36)

Struktur Pemegang Saham

Struktur Pemegang Saham 1Q14 1Q15

Seri A 75.00 75.00

Pemerintah Prop. Jawa Barat 38,26 38,26

Pemerintah Kota/Kab. Se-Prop. Jawa Barat

23,61 23,61

Pemerintah Prop. Banten 5,37 5,37

Pemerintah Kota/Kab. Se-Prop. Banten

7,76 7,76

Seri B 25,00 25,00

Perorangan Dalam Negeri _4,90 _4,94

Institusi Dalam Negeri _5,42 _5,52

Perorangan Asing _0,02 _0,02

(37)

Road Map

2015

_2016-2017

_{2018 - 2019}

₂₀₂₀

Build Strong

Foundation

Strategy

• Increasing Deposit Market Share

• Improving Loans Quality And Distribution

• Increasing Capital Adequacy

• Developing Support Functions :

o

Enhancing Information Technology, Network And Services

o

_{Improving Human Capital}

o

_{Widening Services Policy}

o

Improving Cost Control

o

Implementing Risk Management And Credit Risk Principles

o

_{Enhancing Audit Function, Legal And Compliance}

o

_{Improving Corporate Secretary Function}

o

_{Increasing Performance Of Subsidiaries}

Strategy

Quality Growth

_{A Bank With Excellent}

Performance And Services

Strategy

To Build Sustainable Growth And Excellent Performance Bank

(38)

Aliansi Bisnis dan Strategi

Sustainable Growth

and Excellent

Performance Bank

Micro Loans

Commercial & Corporate

Loans

Treasury and International

Subsidiary Companies

o_{Improving Micro}

Loans Quality

o_Redesign

Organizational Structure & Business Process

o_{Linkage And}

Strategic Alliances With Rural Bank

oImproving Loans Process Through Four Eyes Principles

oRisk Management And Expanding Quality Growth

o_{Organic And}

Inorganic Growth

o_{More Focus On}

Pensioner Loans

oIncreasing CASA Composition Through Cash Management

o Developing Internet & Mobile Banking

oBuilding Deposit & Services Infrastructure

oProviding Trade Finance,

Remittances, and Dealing Services for Customers

oOptimization Of Capital Market, Foreign Exchange & Derivatives

o Enhancing Performance Of Subsidiaries

Risk Management and Credit Risk

Improving Organizational Structure And HR Competencies Through

Extensive Training Program

Developing Audit Function, Legal And

Compliance

Network Expansion IT, and Services

Improvement

Enhance Communication

with Investors

(39)

Jaringan dan Layanan

Deposits 12.9 Tr Loans 8.1 Tr Micro Loans 390 bn Profit 234 bn 809,498 Customers 8 Branch Offices 45 Sub Branches 45 Cash Offices 39 Payment Point 203 ATM Unit 98 Waroeng bjb 871 Employees

West Java Deposits 41.4 Tr Loans 33.2 Tr Micro Loans 3.15 Tr Profit West Java 852 bn Loss Head Oficce 661 bn 3,523,321 Customers 32 Branch Offices 196 Sub Branch 259 Cash Offices 92 Payment Point 783 ATM Unit 339 Waroeng bjb 5,179 Employees Others

Deposits 2.0 Tr Loans 3.2 Tr Micro Loans 429 bn Profit 17 bn 48,849 Customers 13 Branch Offices 13 Sub Branch Offices 4 Cash Offices 94 ATM Unit 25 Waroeng bjb 407 Employees

(40)

Detail Jaringan dan Layanan

No Jaringan Kantor 1Q14 1Q15 YoY

1 Kantor Cabang 62 62 -

2 KCP 306 312 6

3 Kantor Kas 281 313 32

4 Payment Point 112 132 20

5 ATM 1,168 1,197 29

6 Waroeng bjb (A,B & C) 510 486 -24

7 Layanan bjb Precious 11 11 -

8 Sentra UMKM 6 6 -

9 Kas Mobil 11 11 -

10 Weekend Banking 22 22 -

11 Cabang Devisa 47 47 -

(41)

Sumber Daya Manusia

Age Breakdown

Educational Breakdown

Level 1Q14 1Q15 YoY

Dewan Komisaris 5 4 -1

Direksi 4 6 2

Manajemen Puncak 34 30 -4

Manajemen Madya 222 218 -4

Manajemen Lini Pertama 1,626 1,683 57

Staff 4,735 5,095 360

Pegawai MPP 2 5 3

Total Pegawai Tetap 6,628 7,041 413

Pegawai Kontrak Divisi Mikro 1,948 501 -1,447

Lain-Lain 2,561 2,661 100

Total Pegawai Kontrak 4,509 3,162 -1,347

Total Pegawai 11,137 10,203 -934

18 - 30 79%

41 - 40 15%

41 - 50 5% > 50

1%

18 - 30 31 - 40 41 - 50 > 50

Up to High School

0%

Up to Bachelor

Degree 96% Masters and

Doctorate 4%

(42)

Penghargaan 2014-2015

Infobank-MRI 2014 Banking Service Excellent Awards –

2nd_{Best Phone Handling Commercial Banking}

Infobank-MRI 2014 Banking Service Excellent Awards –

1st_{Best ATM Commercial Banking}

Indonesia WOW Brand Award 2014 – Gold Champion Category Saving Account (BUKU III)

Infobank Awards – Financial Performance “Very Good” In 2013

Markplus Awards – The Best Of Indonesian Bank Loyalty Champion For Saving Account (Assets

Under Rp 100 Trillion)

(43)

Penghargaan 2014-2015

BPJS Awards – Innovators For BPJS Participation Through Service Point Office

(SPO)

Corruption Eradication Commission Awards– Most Reported Gratification For Regional

Owned Enterprises 2014

Corruption Eradication Commission Awards– Best Gratification Control Unit For Regional

Owned Enterprises 2014

Infobank Awards – Financial Performance

“Very Good” For 15 Years In A Row From

1999 - 2013 BPJS Awards – Regional Strategic Partner 2014

(44)

Perkembangan Harga Saham

Investor Relations Group

Menara bank bjb 7th_Floor Jl. Naripan 12 – 14

Bandung 40111 +6222 4234868

ext 7140/7141 [email protected]

Contact Person:

Muhammad As’adi Budiman

Group Head [email protected]

Irwan Riswandi Manager [email protected]

Ari Budiman Officer [email protected]

Anjas Septa Lesmana Officer [email protected]

Simon Sihol Panggabean Staff [email protected]

Gilat Wijie Priyantama Staff [email protected]

Lies Rosdiana Staff

Source: Bloomberg

(45)

Menara bank bjb