Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 2Q13 Analyst Meeting

(1)

Lebih Besar, Lebih Kuat, Lebih Baik

bank bjb

(2)

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

(3)

0

5

10

15

20

25 6000

7000

8000

9000

10000

11000

12000

13000

Yi

e

ld

(

%

)

U

SD

ID

R

USDIDR

10yr Govt Bonds Yield

0

2

4

6

8

10

12

14

16

18 (%

)

CPI

1mth JIBOR

60

70

80

90

100

110

120

130 In

d

e

x

(p

o

in

ts)

Consumer Confidence Index

0

2

4

6

8

10

12

14 (%

)

GDP Growth

BI Rate

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

(4)

-

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0 Yo

Y

Gr

o

w

th

(

%

)

Total Loans

Total Deposit

(10.0)

-

10.0

20.0

30.0

40.0

50.0

60.0 Yo

Y

Gr

o

w

th

(

%

)

Investment Loans

Working Capital Loans

Consumer Loans

Sektor Perbankan

May‘12

May‘13

YoY (%)

Total Kredit

2,411

2,921

21.1 Total DPK

2,867

3,293

14.8 LDR

81.6

85.8 +3.2

NPL

2.2

1.9 -0.3

ROA

3.0

2.9 -0.1

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%

(5)

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

(6)

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

(7)

Rasio Keuangan (bank)

Rasio Penting

2Q12

3Q12

4Q12

1Q13

2Q13

Profitabilitas

ROA (net)

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

12.0

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

2.3 Net NPL

0.6

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

1.2

1.3 Permodalan

(8)

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%

(9)

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

2,396

-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 Total Ekuitas

5,395

5,742

6,009

5,713

6,087

12.8

(10)

15.1 15.7 15.4 16.0 16.7 18.0 18.5 19.2 19.7 21.4 21.8 22.6 24.5 26.7 1.0 1.3 2.0 2.4 2.5 2.7 2.9 3.0 3.1 3.6 4.1 4.5 5.1 5.5 2.9 3.3 3.5 3.7 3.7 4.2 4.6 4.4 4.3 5.3 5.6 6.3 5.8 6.5 0.1 0.1 0.1 0.1 0.1 0.1 0.2 0.5 0.7 0.9 1.2 1.7 2.3 2.9 0 5 10 15 20 25 30 35 40 45 (R p t r)

Consumer Micro Commercial Mortgage

Detail Kredit (bank)

Segmen

(Rp miliar)

2Q

‘12

2Q ’13

YoY

(%)

Konsumer

21,356

26,740

25.2 Mikro

3,630

5,515

51.9 Komersial

5,308

6,479

22.1 KPR

941 2,916

209.8 Total Kredit

Gross

31,236

41,651

33.3 Mata Uang

(Rp miliar)

2Q ‘12

2Q

’13

YoY

(%)

Rupiah

30,928

41,426

33.9 Valas

308

225 -26.9

(11)

14.6 15.3 14.92 15.5 16.3 17.5 18.0 18.6 19.2 20.8 21.2 21.8 23.4 25.3 0.45 0.45 0.43 0.44 0.45 0.47 0.50 0.54 0.56 0.60 0.63 0.80 1.11 1.46 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1.0 0 5 10 15 20 25 30 (% ) (R p tr )

Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)

Kredit Konsumer

Indikator Utama

2Q

‘12

2Q ’13

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

‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

0.18

0.23

0.06

(12)

0.6 0.7 1.0 1.0 1.0 1.1 1.2 1.2 1.4 1.9 2.3 2.7 3.2 3.6 0.0 0.1 0.3 0.7 0.9 1.0 1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.3 0.4 0.5 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.6 0.7 0.6 0.6 0.7 0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 - 1.0 2.0 3.0 4.0 5.0 6.0 (% ) (R p t r)

KMU (LHS) Govt Program (LHS) KCR (LHS) NPL (RHS)

Kredit Mikro

Indikator Utama

2Q

‘12

2Q ’13

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

‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

9.5

18.1

8.6 NPL

3.8

6.9

3.1

(13)

1.9 2.3 2.5 2.6 2.6 3.0 3.3 3.2 3.0 3.9 4.3 4.5 3.9 4.3 0.5 0.5 0.5 0.6 0.6 0.6 0.6 0.6 0.6 0.5 0.6 1.0 1.2 1.3 0.5 0.5 0.5 0.5 0.5 0.6 0.6 0.6 0.8 0.8 0.7 0.8 0.8 0.9 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 (% ) (R p t r)

Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)

Kredit Komersial

Indikator Utama

2Q

‘12

2Q ’13

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

‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

6.9

4.7 -2.2

(14)

72 80 78 91 108 140 195 453 663 941 1,215 1,721 2,287 2,916 - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0 15.0 - 500 1,000 1,500 2,000 2,500 3,000 3,500 (R p b n )

Mortgage Loans (LHS)

NPL (RHS)

Indikator Utama

2Q‘12

2Q ’13

YoY

_(%)

Outstanding

941 2,916

209.8 Ekspansi Neto

(Rp miliar)

489 1,195

144.5 Rata-rata

Outstanding per

Debitur

(Rp miliar)

238

275

15.2 Jumlah Debitur

3,951

10,620

168.8 Tingkat Suku Bunga

7.25% - 13.75% eff. p.a.

Kualitas Kredit

2Q ‘12

2Q ’13

YoY

(%)

Dalam Perhatian

Khusus

6.4

8.7

2.3 NPL

0.5

3.0

2.5

(15)

9.2 10.7 10.3 7.5 10.0 10.0 10.8 11.0 12.0 11.7 15.7 14.5 15.5 17.4 3.2 3.4 3.5 4.7 3.8 4.0 4.4 6.0 5.0 6.0 6.3 8.7 7.1 7.6 15.6 17.9 19.2 18.9 19.1 20.9 23.5 20.0 32.4 30.0 28.5 24.3 22.6 26.6 0 10 20 30 40 50 60 (R p t r)

Current Account Savings Account Time Deposit

Detail DPK (bank)

Detail DPK

(Rp miliar)

2Q ’12

2Q

’13

YoY

(%)

Giro

11,708

17,387

48.5 Tabungan

6,006

7,608

26.7 Deposito

29,986

26,574

-11.4

TOTAL

47,700

51,569

8.1 Rasio CASA (%)

37.1

48.5

11.3 Mata Uang

(Rp miliar)

2Q ‘12

2Q ’13

YoY

(%)

Rupiah

47,476

51,223

7.9 Valas

224

346

54.5

(16)

2.0 1.8 1.9 1.8 2.2 2.3 2.6 1.2 1.2 1.4 1.7 2.1 2.1 2.3 0.4 0.2 0.2 0.3 0.5 0.7 0.8 _0.4 0.2 0.6 0.5 0.5 0.7 0.6 - 0.5 1.0 1.5 2.0 2.5 3.0 (% ) Gross NPL Net NPL 551 527 593 575 701 699 754 508 480 534 648 603 621 786 373 368 403 406 516 587 679 324 334 441 557 728 796 962 0 20 40 60 80 100 120 140 160 180 - 200 400 600 800 1,000 1,200 (% ) (R p b n )

Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)

Kualitas Aktiva

Gross NPL

(%)

(Bank)

2Q‘12

2Q ’13

YoY

(%)

Write Off

(Rp bn)

Konsumer

0.10

0.11

0.01

2 Mikro

3.8

6.9

3.1

79 Komersial

5.2

7.2

2.0

63 KPR

0.5

3.0

2.5 -

Total

1.4

2.3

0.90

144

(17)

13 12 7 8 9 ₆ ₇ 4 4 5 4 4 4 4 32 33 34 37 42 ₄₇ 61 52 39 43 44 54 53 62 51 51 56 54 46 46 28 42 51 45 44 32 28 19 4 4 3 1 2 2 4 2 5 ₇ ₇ 9 14 16 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% S p e ci a l M e n ti o n C o n tr ib u ti o n ( % )

26 25 24 21 33 25 28 19 37 37 51 46 67 63 67 68 109 95 147 195 247 278 332 344 524 570 790 997 105 103 182 138 159 190 113 224 438 ₃₆₅ 516 339 420 304 8 8 8 3 7 7 15 9 44 60 88 96 210 254 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 - 200 400 600 800 1,000 1,200 1,400 1,600 1,800 S p e ci a l M e n ti o n /T o ta l L o a n s (% ) A b so lu te S p e ci a l M e n ti o n L o a n s (R p b n )

Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)

(18)

6 6 ₅ ₅ ₄ ₄ ₃ 7 7 ₅ ₅ ₄ 4 3 9 11 15 14 15 17 22 24 34 31 36 26 36 39 84 81 78 79 79 78 73 65 59 63 53 64 51 49 2 2 2 2 2 2 2 4 0 1 6 ₇ 9 9 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% N P L C o n tr ib u ti o n (% )

21 23 20 19 22 24 24 23 22 22 27 29 30 29 34 39 62 58 75 98 149 78 114 137 201 186 289 378 312 299 313 320 409 455 495 211 196 277 297 464 408 467 6 7 8 9 10 10 11 12 2 5 32 48 68 87 - 0.5 1.0 1.5 2.0 2.5 3.0 - 200 400 600 800 1,000 1,200 N e t P e rf o rm in g L o a n /T o ta l L o a n s (% ) A b so lu te N e t P e rf o rm in g L o a n s (R p b n )

Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)

(19)

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 Loans received

0.1

0.0

(20)

42 41 40

24

58 48 45

25

40 47 49

26 52 51

39 42 42

54

26 34 37

50

41 34 32

49 26 29

19 17 18

22 16 19 18

₂₅

19 19 19

_{24 22}

20 0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Fu

n

d

in

g

P

ro

p

o

rt

io

n

(

%

)

Government

Corporate

Retail

89 87 86 84 84 83 82 82 82 80 79 77 _{76 75} 10 11 12 12 13 14 15 15 15 16 18 19 _{20 21} 1 1 2 ₃ 3 3 3 2 2 3 3 2 2 2 0 0 0 0 0 0 0 0 1 1 1 1 2 2 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% L e n d in g P ro p o rt io n ( % )

Basis Nasabah

(21)

Kecukupan Modal

Aktiva

Tertimbang

Menurut Resiko

(ATMR)

2Q ‘12

2Q ’13

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)

• Total modal inti Rp5.0triliun setelah dikurangi

(22)

Sumber Pertumbuhan Baru

Kredit Mikro

(23)

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

(24)

1.0 1.3 2.0 2.4 2.5 2.7 2.9 3.0 3.1 3.6 4.1 4.5 5.1 5.5 3.3 3.0 3.0 2.4 3.0 3.6 5.1 2.6 3.7 3.8 4.9 4.1 5.7 6.9 0.0 2.0 4.0 6.0 8.0 10.0 12.0 - 1.0 2.0 3.0 4.0 5.0 6.0 (% ) (R p t r)

Total Micro Loans NPL

Kredit Mikro

Indikator Utama

2Q

‘12

2Q ’13

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

’12

2Q ’13

YoY

Dalam Perhatian

Khusus

9.5

18.1

8.6 NPL

3.8

6.9

3.1

(25)

0.6 0.7 1.0 1.0 1.0 1.1 1.2 1.2 1.4 1.9 2.3 2.7 3.2 3.6 3.7 4.1 4.2 3.9 4.9 5.4 5.9 2.3 2.3 2.5 3.8 3.7 5.3 5.4 0.0 2.0 4.0 6.0 8.0 10.0 12.0 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 (% ) (R p t r)

Kredit Mikro Utama (LHS) NPL (RHS)

Kredit Mikro Utama

Indikator Utama

2Q ‘12

2Q ’13

YoY

(%)

Outstanding

1,889

3,570

88.9 Ekspansi Neto

(Rp miliar)

686

820

19.7 Rata-rata

Outstanding per

Debitur

(Rp miliar)

36

49

37.4 Jumlah Debitur

53,027

72,920

37.5 Tingkat Suku Bunga

23.0% - 27.5% eff. p.a.

Kualitas Kredit

2Q ‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

10.3

19.7 +9.4

(26)

0.0 0.1 0.3 0.7 0.9 1.0 1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.2 0.0 0.4 1.3 3.1 2.7 5.5 6.0 8.4 5.9 7.3 7.6 0 2 4 6 8 10 12 - 0.2 0.4 0.6 0.8 1.0 1.2 1.4 (% ) (R p t r) Government Program (LHS) NPL (RHS)

Program Pemerintah

Indikator Utama

2Q ‘12

2Q ’13

YoY

(%)

Outstanding

1,111

1,250

12.5 Ekspansi Neto

(Rp miliar)

(33)

94 -388.0

Rata-rata

Outstanding per

Debitur

(Rp miliar)

77

71 -7.9

Jumlah Debitur

14,403

17,601

22.2 Tingkat Suku Bunga

8.3% -14.0% eff. p.a

Kualitas Kredit

2Q ‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

11.5

16.0 +4.5

NPL

6.0

8.39 +2.4

- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.

(27)

0.4 0.5 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.6 0.7 0.6 0.6 0.6 2.5 2.1 2.8 2.8 3.5 3.9 6.9 3.1 3.7 3.8 2.7 2.7 4.7 5.4 - 2.0 4.0 6.0 8.0 10.0 12.0 - 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 (% ) (R p t r)

Others Micro Loans(LHS) NPL (RHS)

Kredit Mikro Lainnya

Indikator Utama

2Q ‘12

2Q ’13

YoY

(%)

Outstanding

630

696

10.4 Ekspansi Neto

(Rp miliar)

2

55 2514.1

Rata-rata

Outstanding per

Debitur

(Rp miliar)

129

155

20.5 Jumlah Debitur

4,895

4,486

-8.4

Tingkat Suku Bunga

10.5% - 18.04% eff. p.a.

Kualitas Kredit

2Q ‘12

2Q ’13

YoY

Dalam Perhatian

Khusus

3.5

13.4

9.9 NPL

3.8

4.7

1.0

* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas

(28)

49 58 91 81 98 105 129 138 169 195 307 372 567 704 - - 3 6 31 64 96 110 142 128 153 140 172 200 17 11 15 8 18 27 22 31 20 22 64 58 52 93 6.5 5.3 5.3 4.0 5.8 7.1 8.5 9.4 10.8 9.5 12.7 _12.5 15.6 18.1 0 2 4 6 8 10 12 14 16 18 20 - 200 400 600 800 1,000 1,200 (% ) A b so lu te S p e ci a l M e n ti o n L o a n s (R p b n )

KMU (LHS) Govt Programs (LHS) Others (LHS) Special Mention Loans (RHS)

74 85 _{84 86} 67 54 52 49 51 56 59 65 72 71 3 6 21 33 39 ₃₉ 43 37 29 25 22 20 26 15 13 8 13 14 9 11 6 6 12 10 7 ₉ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% S p e ci a l M e n ti o n C o n tr ib u ti o n ( % )

KMU Govt Programs Others

Kredit Mikro Dalam Perhatian Khusus

(29)

24 30 44 39 50 58 69 28 31 47 89 101 171 241 - - - ₀ 3 13 35 31 62 67 94 68 88 105 9 9 18 ₁₉ 23 27 46 20 22 24 18 17 30 33 3.3 3.0 3.0 2.4 3.0 3.6 5.1 2.6 3.7 3.8 4.9 4.1 5.7 6.9 0 1 2 3 4 5 6 7 8 - 50 100 150 200 250 300 350 400 (% ) A b so lu te N P L ( R p b n )

KMU (LHS) Govt Programs (LHS) Others (LHS) NPL (RHS)

72 76 70 67 66 59 46 35 27 34 44 54 59 64 - - - 0 4 ₁₄ 23 40 54 49 47 37 30 28 28 24 ₃₀ 33 30 27 31 25 19 17 9 _{9 10 9} 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% N P L C o n tr ib u ti o n (% )

KMU Govt Programs Others

Non Performing Loans Kredit Mikro

(30)

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

Staff

(31)

Kinerja Bisnis Syariah

2Q13 bank bjb Syariah

(32)

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 (bank bjb

Syariah)

(33)

Rasio Penting

Rasio Penting (%)

2Q ‘12

2Q ’13

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

FDR

91.5%

96.8%

+5.3

(34)

Laporan Laba Rugi

Laporan Laba Rugi (Rp juta)

2Q ‘12

2Q ’13

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%

(35)

Neraca Keuangan

(Rp juta)

2Q

‘12

2Q ’13

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

Neraca

(36)

Kinerja Syariah

Pembiayaan Syariah

2Q ‘12

2Q ’13

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 ‘12

2Q ’13

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

1.0 1.4 1.6 1.6 1.6 1.6 1.8 1.8 2.1 2.4 3.0 3.1 3.4 0.8 1.1 1.3 1.1 1.4 1.7 2.2 2.0 2.3 2.4 3.4 3.6 3.5 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 (R p t r)

(37)

Profil Perusahaan

(38)

Kepemilikan

Struktur Kepemilikan

2Q12

2Q13

Pendiri (Seri A)

75.00

75.00 Pemerintah Provinsi Jawa Barat

38,26

Pemerintah Kota/Kabupaten se-

Jawa Barat

23,61

Pemerintah Provinsi Banten

5,37

Pemerintah Kota/Kabupaten

se-Banten

7,76

Seri B (Publik)

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 W est Java Provincial Government

W est Java Municipal Government

Banten Provincial Government

Banten Municipal Government

Public (B Series)

(39)

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

A Strong Sustainable Growth and Profitable National Bank

(40)

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 West Java Deposits 34.4 Tr Loans 30.3 Tr Micro Loans 4.5 Tr Profit West Java 1.5 Tr, Loss Loss Head Oficce 877 bn 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 +3 Branch Offices (Malang,Yogyakarta & Purwokerto) +99 Sub Branches +472 Cash Offices +27 Payment Points +526 ATM Units

(41)

Branch Network Details

No

bjb Network

2Q ‘12

2Q ’13

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

0

9 Mobile Cash

7

11

4

10 Weekend Banking

9

12

3

11 Forex Branches

23

47

24 Total

1,539

2,230

691

(42)

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

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

(43)

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 “CEO of The Year”

(44)

0

20

40

60

80

100

120

600

700

800

900 1000

1100

1200

1300

1400

M

ill

io

n

S

h

ar

e

s

Rp

/s

h

ar

e

Volume (RHS)

Price (LHS)

Performa Harga Saham

Grup Hubungan Investor

Menara bank bjb

7

th

_Floor

Jl. Naripan 12 – 14

Bandung 40111

+6222 4234868

ext 7140/7141

ir@bankbjb.co.id

Contact Person:

Hanel Topada

Pemimpin Grup

htopada@bankbjb.co.id

Irwan Riswandi

Manajer Senior

iriswandi@bankbjb.co.id

Ari Budiman

Manajer

abudiman@bankbjb.co.id

(45)

Menara bank bjb

Jl. Naripan 12

– 14

7

th

_Floor