Lebih Besar, Lebih Kuat, Lebih Baik
bank
bjb
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 15
Detail Dana Pihak Ketiga
Pg. 16
Kualitas Aktiva
Pg. 19
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 37
Profil Perusahaan
0
USDIDR
10yr Govt Bonds Yield
0
Consumer Confidence Index
0
Ekonomi Makro
Indeks Kepercayaan Konsumen Tetap Tinggi
BI Rate Tetap Rendah Secara Historis
Walaupun Meningkat 75 bps
Pengaruh Global Terhadap Pelemahan Pasar
Obligasi dan Rupiah
-
Total Loans
Total Deposit
(10.0)
Investment Loans
Working Capital Loans
Consumer Loans
Sektor Perbankan
May‘12
May‘13
YoY (%)
Pada bulan
Mei‘13, data
sektor perbankan
menunjukkan:
•
Kredit 21.1%YoY to Rp 2,921tr (Kredit Investasi
+23.1% YoY, Kredit Modal Kerja +21.9%, Kredit
Konsumsi +18.5%)
•
Deposit +14.8% YoY to Rp 3,293tr (CASA +15.6%
YoY, Time Deposit +13.9% YoY, CASA Ratio 55.3%)
•
NPL -31bps YoY to 1.9%
Ringkasan Kinerja
•
Pendapatan Bunga Bersih Rp 2.4 triliun (+32.8% YoY/ +7.5% QoQ)
•
Laba Operasional Sebelum CKPN Rp 1.2 triliun (+22.9% YoY/ +8.7% QoQ)
•
Beban CKPN at Rp 232 miliar (+56.3% YoY/ 46.0% QoQ)
•
Laba Bersih at Rp 747 miliar (+24.5% YoY/ +1.1% QoQ)
Laba Rugi
•
Total Kredit at Rp 41.8 triliun (+33.9% YoY/ +10.6% QoQ)
•
Total Pembiayaan Syariah at Rp 3.4 triliun (+64.3% YoY/ +10.5% QoQ)
•
Total DPK Rp 55.1 triliun (+10.6% YoY/ +13.2% QoQ)
•
Total Aset Rp 73.4 triliun (+19.9% YoY/ +7.3% QoQ)
Neraca
•
NIM at 8.2% (+127bps YoY/ -4bps QoQ)
•
ROA (net) at 2.2% (+16bps YoY/ -13bps QoQ)
•
ROE (net) at 24.4% (+171bps YoY/ +11bps QoQ)
•
NPL Gross at 2.3% (+ 90bps YoY/ +20bps QoQ)
Rasio
Keuangan
Target vs. Realisasi
Target
1Q13
2Q13
Loans Growth
25% - 28%
36.0
33.7
Deposit Growth
18% - 22%
-5.1
10.6
ROA (net)
1.8% - 2.0%
2.4
2.2
ROE (net)
20% - 22%
24.2
24.3
NIM
6.8% - 7.2%
8.2
8.2
Cost of Fund
5.0% - 5.5%
4.6
4.6
Cost to Income Ratio
51% - 54%
55.0
54.7
Gross NPL
1.5% - 2.0%
2.1
2.3
Credit Cost
1.0% - 1.4%
1.2
1.3
Rasio Keuangan (bank)
Rasio Penting
2Q12
3Q12
4Q12
1Q13
2Q13
Profitabilitas
ROA (net)
2.1
2.1
1.9
2.4
2.2
ROE (net)
22.6
23.1
21.3
24.2
24.3
Rasio Biaya
Cost to Income Ratio
51.1
52.3
56.5
55.0
54.7
BOPO
75.9
76.8
80.0
74.4
75.9
Imbal Hasil
Asset Yield
12.5
12.5
12.0
12.8
12.7
Cost of Fund
5.5
5.3
5.2
4.6
4.6
NIM
6.9
7.1
6.8
8.2
8.2
LDR
65.5
65.0
74.1
83.2
80.8
Kualitas Aset
Dalam Perhatian Khusus
2.6
3.6
3.0
3.9
3.9
Gross NPL
1.4
1.7
2.1
2.1
2.3
Net NPL
0.6
0.5
0.5
0.7
0.6
Coverage Ratio
121.3
116.4
82.9
78.1
81.8
CKPN/Total Kredit
1.7
2.0
1.7
1.6
1.9
Credit Cost
1.0
1.0
1.2
1.2
1.3
Laporan Laba Rugi
(Rp miliar)
1H12
1H13
YoY (%)
1Q12
2Q13
QoQ (%)
Pendapatan Bunga
3,364
3,931
16.8%
1,889
2,042
8.1%
Beban Bunga
(1,561)
(1,536)
-1.6%
(735)
(801)
9.1%
Pendapatan Bunga
Bersih
1,804
2,395
32.8%
1,154
1,241
7.5%
Fee Based Income
122
141
15.8%
64
78
21.2%
Beban Operasional
(976)
(1,372)
40.5%
(655)
(717)
9.4%
Laba (Rugi) dalam
Instrumen Keuangan
6
9
54.3%
(1)
10
-
PPOP
955
1,174
22.9%
562
611
8.7%
Beban CKPN
(148)
(232)
56.3%
(94)
(138)
46.0%
Pendapatan Non
Operasional
(2)
1
-126.2%
-
1
-
Laba Sebelum Pajak
804
942
17.2%
468
474
1.3%
Beban Pajak
(204)
(195)
-4.5%
(96)
(99)
2.3%
Laba Bersih
600
747
24.5%
372
376
1.1%
Neraca
Ringkasan Neraca
(Rp miliar)
2Q12
3Q12
4Q12
1Q13
2Q13
YoY (%)
Kas atau Setara Kas
1,482
1,380
1,795
1,570
1,684
13.6
Giro pada Bank
Indonesia
4,828
4,279
4,666
3,659
4,127
-14.5
Cadangan Sekunder
19,996
25,047
24,075
19,887
19,926
-0.4
Kredit-net
30,701
32,142
34,769
37,198
41,046
33.7
Pembiayaan
Syariah-net
2,012
2,391
2,880
2,965
3,295
63.8
Aktiva Tetap-net
550
520
735
1,002
1,010
83.5
Aktiva Lain-lain
1,686
1,949
1,921
2,126
2,333
38.4
Total Aktiva
61,255
67,708
70,841
68,407
73,421
19.9
Total DPK
49,799
52,724
50,608
48,638
55,060
10.6
Surat Berharga
yang Diterbitkan
2,744
2,395
2,395
2,395
2,396
-12.7
Pinjaman Diterima
2,151
5,581
8,980
9,036
8,167
279.7
Lainnya
1,166
1,266
2,849
2,625
1,711
46.7
Total Kewajiban
55,860
61,966
64,832
62,694
67,334
20.5
15.1 15.7 15.4 16.0 16.7
Consumer Micro Commercial Mortgage
Detail Kredit (bank)
Segmen
Total Kredit
14.6 15.3 14.92 15.5
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)
Kredit Konsumer
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
21,356
26,740
25.2
Ekspansi Neto
(Rp miliar)
2,188
4,114
88.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
60
78
29.6
Jumlah Debitur
355,575
343,597
-3.4
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
Kualitas Kredit
2Q
‘1
2
2Q
’1
3
YoY
Dalam Perhatian
Khusus
0.18
0.23
0.06
0.6 0.7
Kredit Mikro
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
3,630
5,515
51.9
Ekspansi Neto
(Rp miliar)
655
970
48.1
Rata-rata
Outstanding per
Debitur
(Rp miliar)
50
58
15.7
Jumlah Debitur
72,325
95,007
31.4
Tingkat Suku
Bunga
11.0% - 27.5% eff. p.a.
Kualitas Kredit
2Q
‘1
2
2Q
’1
3
YoY
Dalam Perhatian
Khusus
9.5
18.1
8.6
NPL
3.8
6.9
3.1
1.9
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Kredit Komersial
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
5,308
6,479
22.1
Ekspansi Neto
(Rp miliar)
906
143
-84.2
Rata-rata
Outstanding per
Debitur
(Rp miliar)
468
650
38.9
Jumlah Debitur
11,351
9,975
-12.1
Tingkat Suku
Bunga
6.3% -14.5% eff. p.a
Kualitas Kredit
2Q
‘1
2
2Q
’1
3
YoY
Dalam Perhatian
Khusus
6.9
4.7
-2.2
72 80 78 91 108 140
Ekspansi Neto
(Rp miliar)
489
1,195
144.5
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
6.4
8.7
2.3
NPL
0.5
3.0
2.5
9.2 10.7 10.3
Current Account Savings Account Time Deposit
Detail DPK (bank)
2.0
Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)
Kualitas Aktiva
13 12
Consumer Micro Commercial Mortgage
26 25 24 21 33 25 28 19 37 37 51 46 67 63
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
6 6 5 5 4 4 3 7 7 5 5 4 4 3
Consumer Micro Commercial Mortgage
21 23 20 19 22 24 24 23 22 22 27 29 30 29
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
Placement to Bank Indonesia
10.1% Interbank Placement
3.2%
Marketable Securities
17.4%
Loans 67.9%
Others 1.3%
Time
Deposit,
26.6
Savings
Account, 7.6
Current
Account,
17.4
Interbank
Lending, 7.2
Bonds, 2.4
Analisa Imbal Hasil
Asset Yield
2Q ‘12
2Q
’13
Placement to Bank
Indonesia
4.0
3.9
Interbank Placement
3.1
2.8
Securities
4.7
4.8
Loans Yield
19.1
17.0
Others
0.2
0.0
Cost of Fund
2Q ‘12
2Q ‘13
Interbank Liabilities
4.3
4.7
Securities
11.6
11.0
Deposits From Customers
5.3
4.4
Current Account
2.2
2.1
Time Deposit
6.9
6.4
Savings Account
2.3
1.9
42 41 40
Government
Corporate
Retail
89 87 86
Consumer Micro Commercial Mortgage
Basis Nasabah
Kecukupan Modal
Aktiva
Tertimbang
Menurut Resiko
(ATMR)
2Q
‘1
2
2Q
’1
3
YoY
(%)
Total ATMR
25,235
30,392
20.4
Risiko Kredit
19,759
23,126
17.0
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
284
1,011
255.7
ATMR/Total Aktiva
42.9%
43.9%
1.0
tier-1
4,664
5,004
7.3
tier -2
(21)
(33)
56.0
Total Modal
4,643
4,971
7.1
Tier-1 KPMM
18.5%
16.5%
-2.0
Total KPMM
18.4%
16.4%
-2.0
Analisa KPMM
Bobot
Resiko
Penambahan
ATMR/
Rp1tr
Ekspansi
Neto
Dampak
Terhadap
KPMM
(%)
Kredit Konsumer
50%
Rp.500bn
0.31
Kredit Mikro
75%
Rp.750bn
0.44
Kredit Komersial
100%
Rp.1tr
0.56
Kredit KPR
40%
Rp.400bn
0.26
•
Total CAR at 16.4% (-204bps YoY/ -81bps QoQ)
Sumber Pertumbuhan Baru
Performa Kredit Mikro
•
Kredit mikro berada pada posisi Rp 5.5 triliun (+51.9% YoY/ +8.8%
QoQ)
•
Ekspansi net Rp 1.9 triliun YoY / Rp 446 miliar QoQ
•
Kontribusi terhadap total kredit 13.2% (+160bps YoY/ -20bps QoQ)
Pertumbuhan
•
Kredit dalam perhatian khusus 18.1% (+860bps YoY/ +250bps QoQ)
•
Nilai kredit dalam perhatian khusus Rp 997miliar
(+Rp 653 miliar YoY/ +Rp 207 miliar QoQ)
•
NPL 6.9% (+308bps YoY/ +115bps QoQ)
•
Nilai NPL Rp 378.3 miliar (+Rp 241 miliar YoY/ +
Rp 89 miliar QoQ)
•
Total Hapus Buku Rp 79 miliar Ytd
1.0
Total Micro Loans NPL
Kredit Mikro
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
3,630
5,515
51.9
Ekspansi Neto
(Rp miliar)
655
970
48.1
Rata-rata
Outstanding per
Debitur
(Rp miliar)
50
58
15.7
Jumlah Debitur
72,325
95,007
31.4
Tingkat Suku
Bunga
22% - 27% eff. p.a.
Kualitas Kredit
2Q
’1
2
2Q
’1
3
YoY
Dalam Perhatian
Khusus
9.5
18.1
8.6
NPL
3.8
6.9
3.1
0.6 0.7
Kredit Mikro Utama
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
1,889
3,570
88.9
Ekspansi Neto
(Rp miliar)
686
820
19.7
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
10.3
19.7
+9.4
0.0 0.1
Government Program (LHS) NPL (RHS)
Program Pemerintah
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
1,111
1,250
12.5
Ekspansi Neto
(Rp miliar)
(33)
94
-388.0
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
11.5
16.0
+4.5
NPL
6.0
8.39
+2.4
0.4
Others Micro Loans(LHS) NPL (RHS)
Kredit Mikro Lainnya
Indikator Utama
2Q
‘1
2
2Q
’1
3
YoY
(%)
Outstanding
630
696
10.4
Ekspansi Neto
(Rp miliar)
2
55
2514.1
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
3.5
13.4
9.9
NPL
3.8
4.7
1.0
49 58 91 81 98 105
KMU (LHS) Govt Programs (LHS)
Others (LHS) Special Mention Loans (RHS)
74 85 84 86
KMU Govt Programs Others
24 30 44 39 50
KMU Govt Programs Others
Proses Bisnis
Marketing
Sales
Prosesor
Analis
Kredit
Officer
Pemimpin
Cabang
Pick-up
Supervisi
2,125
97
277
434
36
352
464
248
Marketing
Proses Kredit
Penagihan
•
Marketing
Staff
•
Customer
Sales
•
Processor
•
Credit Analyst
•
Officer
•
Branch/Sub
Branch
Manager
•
Pick up Staff
•
Supervision
Kinerja Bisnis Syariah
Ringkasan Kinerja
•
Pendapatan Marjin Bersih Rp 130.0 miliar (+38.1% YoY)
•
Biaya Operasional Rp 112.5 miliar (+18.3% YoY)
•
Laba Bersih Rp 14.9 miliar (+1267.1% YoY)
Laba Rugi
•
Total Pembiayaan Rp 3.4 triliun (+64.3% YoY)
•
Total Dana Pihak Ketiga Rp 3.5 triliun (+55.4% YoY)
•
Total Aset Rp 4.6 triliun (+57.2% YoY)
Neraca
•
NIM 6.3% (-104bps YoY)
•
ROA 0.9% (+82bps YoY)
•
ROE 4.9% (+446bps YoY)
•
NPF Gross 3.9% (-176bps YoY)
Rasio Penting
Rasio Penting (%)
2Q
‘1
2
2Q
’1
3
YoY
CAR
24.0%
18.9%
-5.1
Gross NPF
5.7%
3.9%
-1.8
Net NPF
4.0%
0.9%
-3.1
ROA
0.1%
0.9%
+0.8
ROE
0.4%
4.9%
+4.5
NIM
7.3%
6.3%
-1.0
BOPO
98.8%
84.5%
-14.3
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
2Q
‘1
2
2Q
’1
3
YoY (%)
Pendapatan Marjin
161,238
242,961
50.7
Biaya Marjin
(67,077)
(112,961)
68.4
Marjin Bersih
94,161
130,000
38.1
Pendapatan Operasional Lainnya
2,090
3,671
75.6
Biaya Operasional
(95,077)
(112,473)
18.3
Pendapatan Operasional
1,174
21,198
1,705.6%
Pendapatan Non Operasional (Biaya)
278
(214)
-
Laba Sebelum Pajak
1,452
20,985
1,345.2%
Beban Pajak
(363)
(6,097)
1.579.6%
Neraca Keuangan
(Rp juta)
2Q
‘1
2
2Q
’1
3
YoY (%)
Kas atau Setara Kas
15,299
20,552
34.3
Giro Pada Bank Indonesia
107,988
171,431
58.8
Cadangan Sekunder
731,514
897,878
22.7
Pembiayaan
–
Net
2,011,601
3,295,429
63.8
Aktiva Tetap
–
Net
10,103
151,493
1399.5
Aktiva Lain-lain
45,298
57,271
26.4
Total Aktiva
2,921,803
4,594,054
57.2
DPK
2,253,249
3,500,331
55.4
Pinjaman yang Diterima
-
-
-
Lainnya
88,450
352,776
298.8
Total Kewajiban
63,393
93,775
47.9
Total Ekuitas
2,405,092
3,946,882
64.1
Neraca Keuangan
(Rp juta)
516,711
647,172
25.2
Kinerja Syariah
Pembiayaan Syariah
2Q
‘1
2
2Q
’1
3
YoY
(%)
Murabahah
– (Trading)
944,613
1,877,017
98.7
Ijarah
27,155
8,626
-68.2
Pembiayaan
651,143
1,254,927
92.7
Qardh
–
(Bridging)
433,782
242,349
-44.1
Isthisna
–
(Pawning)
6,267
5,968
-4.8
Total Pembiayaan
2,062,960
3,388,887
64.3
DPK
2Q
‘1
2
2Q
’1
3
YoY
(%)
Giro Wadiah
69,935
100,716
44.0
Giro Mudharabah
-
-
-
Tabungan Wadiah
66,787
81,582
22.2
Tabungan Mudharabah
236,952
305,933
29.1
Deposito Mudharabah
1,879,575
3,012,100
60.3
Total DPK
2,253,249
3,500,331
55.4
Profil Perusahaan
Kepemilikan
Struktur Kepemilikan
2Q12
2Q13
Pendiri (Seri A)
75.00
75.00
Pemerintah Provinsi Jawa Barat
38,26
38,26
Pemerintah Kota/Kabupaten se-
Jawa Barat
23,61
23,61
Pemerintah Provinsi Banten
5,37
5,37
Pemerintah Kota/Kabupaten
se-Banten
7,76
7,76
Seri B (Publik)
25,00
25,00
Lokal Perorangan
7,30
3,57
Lokal Institusi
11,89
9,02
Perorangan Asing
0,03
0,01
Institusi Asing
5,78
12,4
38.26
23.61
5.37
7.76
25
Road Map
2011-2012
2013-2014
2015
Building/Establishment
New Infrastructures
Strategy
Developing HR
Competence, IT
Infrastructure,
and organization for :
o
Micro & SME
Financing
o
Consumer &
Commercial Banking
o
Treasury &
International
Matching the 10 Biggest
Banks in areas :
o
HR competence/ IT
o
Services
o
Bank bjb `incorporated`
Strategy
Leading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
Strategy
Leading in Service and
Performance National Bank
Jaringan Kantor
Banten
Deposits 7.8 Tr Loans 5.3 Tr Profit 149 bn 44,903 Customers 8 Branch Offices 45 Sub Branches 24 Cash Offices 12 Payment Point 118 ATM Unit 65 Waroeng bjb 570Employees 1,823,834 Customers 32 Branch Offices 188 Sub Branch 108 Cash Offices 91 Payment Poin 670 ATM Unit 337 Waroeng bjb 4,424 Employees Others
Deposits 1.7 Tr Loans 1.5 Tr Micro Loans 245 Profit 1.5 bn 42,457 Customers 13 Branch Offices 12 Sub Branch Offices 58 ATM Unit 12 Waroeng bjb 345 Employees
Jakarta
Deposits 5.7 Tr Loans 4.0 Tr Micro Loans 140 bn Loss 6.8 bn 51,791 Customers 9 Branch Offices 62Sub Branches 7 Cash Offices 1 Payment Point 91 ATM Unit 27 Waroeng bjb 519 Employees
Total bjb employees 5,847
Total bjb customers
2,299,871
Expansion Plan
Branch Network Details
No
bjb Network
2Q
‘1
2
2Q
’1
3
YoY (%)
1
Branch
56
62
6
2
Sub Branch
212
304
92
3
Cash Offices
80
142
62
4
Payment Point
94
104
10
5
ATM
612
969
357
6
Waroeng
bjb
(A,B & C)
436
562
126
7
Layanan bjb Precious
4
11
7
8
MSME Center
6
6
0
9
Mobile Cash
7
11
4
10
Weekend Banking
9
12
3
11
Forex Branches
23
47
24
Sumber Daya Manusia
Berdasarkan Pendidikan
Berdasarkan Umur
Posisi
2Q
’12
2Q
‘13
YoY
Dewan Komisaris
5
5
-
Direksi
5
5
-
Manajemen Puncak
26
34
8
Manajemen Madya
195
205
10
Manajemen Lini Pertama
957
1,327
370
Staf
2,016
4,226
2,210
MPP
5
5
0
Total Permanent
3,209
5,847
2,598
Micro
2,115
3,459
1,344
Lain - lain
4,449
1,959
-2,490
Total Non Permanent
6,564
5,418
-1,146
Total
9,773
11,265
1,452
5.0
95
1.0
Up to High School
Up to Bachelor Degree
Masters and Doctorate
78.0
13.0
9.0
Penghargaan Tahun 2012
Mark Plus Conference:
Indonesia Marketing Annual Report Award 2012
Infobank Awards 2012
The 4th IICD Corporate Governance
Conferences & Award: Best Corporate Governance for Newly
Listed Jamsostek Award:
Regional Strategic Partner 2012 Call Center Award for 2012
Indonesia Trusted Company The Indonesian Institute for
Corporate Governance
SINDO People of The Year 2012
