Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
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
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 5 10 15 20 25 6000 7000 8000 9000 10000 11000 12000 13000 Yi e ld ( % ) US D IDR
USDIDR 10Yr Govt Bond 0 2 4 6 8 10 (% ) GDP Growth BI Rate 0 20 40 60 80 100 120 140 In d e x (p o in ts)
Consumer Confidence Index
0 2 4 6 8 10 12 14 (% ) CPI 1M JIBOR
Sektor Perbankan
Jan ’14 Jan ’15 YoY (%)
Total Kredit 3,285 3.667 +11.64 Total DPK 3,563 4.055 +14,23 LDR 90.47 88,48 -1,99 NPL 1.94 2.31 +0.37 ROA 2,90 2,82 -0,08 NIM 4.17 4.24 +0.07
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 IndonesiaSource: Bank Indonesia
- 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 YoY Gr o wt h (% )
Loans Growth Deposit Growth
- 10 20 30 40 50 60 YoY Gr o wt h (% )
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
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 Rasio CASA 55% - 6 0% 43.9 51.9 54.4 64.1 53.0Rasio-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 EfisiensiRasio 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 Permodalan
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%
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%
Breakdown Kredit (bank)
Segmen (Rp Miliar) 1Q14 1Q15 YoY (%) Konsumer 29,892 34,681 16.0 % Mikro 5,166 4,182 -19.1 % Komersial 6,091 6,271 3.0 % KPR 4,143 4,480 8.1 % Total Kredit 45,293 49,614 9.5 % Mata Uang (Rp Miliar) 1Q14 1Q15 YoY (%) Rupiah 45,077 49,437 9.7% Valas 216 177 -17.7% 24.5 26.7 27.9 28.9 29.9 31.5 32.7 33.6 34.7 5.1 5.5 5.5 5.4 5.2 5.1 4.8 4.5 4.2 5.8 6.5 7.0 7.0 6.1 6.8 7.2 6.8 6.3 2.3 2.9 3.5 3.9 4.1 4.3 4.3 4.4 4.5 0 10 20 30 40 50 60 (Rp tr )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 NPL 0.11 0.09 -0.02 23.4 25.3 26.1 26.8 27.7 29.1 30.2 30.9 31.9 1.1 1.5 1.7 2.0 2.2 2.4 2.5 2.6 2.8 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 35 40 (%) (Rp tr )
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)
Kredit Mikro
*Kredit Mikro Utama
Kualitas Aktiva 1Q14 1Q15 YoY (%)
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
Bunga* 11.0% - 27.5% eff. p.a.
3.2 3.6 3.6 3.4 3.3 3.1 2.7 2.4 2.2 1.2 1.3 1.2 1.3 1.3 1.3 1.2 1.2 1.1 0.6 0.7 0.7 0.7 0.6 0.7 0.8 0.9 0.9 0.0 5.0 10.0 15.0 20.0 25.0 30.0 - 1.0 2.0 3.0 4.0 5.0 6.0 (%) (Rp tr )
Kredit Komersial
Key Ratios 1Q14 1Q15 YoY (%) Posisi Kredit 6,091 6,271 3.0 % Ekspansi Netto (Rp Miliar) (897) (578) 35.6% Rata-Rata per Debitur (Rp Miliar) 923 1,269 37.5 % Jumlah Debitur 6,600 4,942 -25.1 % Tingkat Suku
Bunga 6.3% -14.5% eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY (%) Dalam Perhatian Khusus 4.5 4.5 - NPL 11.1 11.4 +0.3 3.9 4.3 4.8 4.5 3.5 4.2 4.5 4.0 3.3 1.2 1.3 1.3 1.5 1.4 1.5 1.5 1.6 1.6 0.8 0.9 1.0 1.0 1.1 1.2 1.1 1.3 1.3 - 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 8.0 (%) (Rp tr )
Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)
Kredit Pemilikan Rumah
Key Ratios 1Q14 1Q15 YoY (%) Posisi Kredit 4,143 4,480 8.1 % Ekspansi Netto (Rp Miliar) 232 36 -84.5% Rata-Rata per Debitur (Rp Miliar) 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 NPL 4.1 5.9 +1.8 2,287 2,916 3,506 3,911 4,143 4,282 4,280 4,444 4,480 - 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 4,000 4,500 5,000 (Rp b n ) Mortgage Loans (LHS) NPL (RHS)
Breakdown Dana Pihak Ketiga (bank)
Breakdown Dana Pihak Ketiga
(Rp Miliar) 1Q14 1Q15 YoY (%) Giro 16,568 25,581 54.4 % Tabungan 8,874 9,678 9.1 % Deposito 32,489 31,277 -3.7 % TOTAL 57,931 66,536 14.9 % Rasio CASA (%) 43.9 53.0 +9.1 Mata Uang (Rp Miliar) 1Q14 1Q15 YoY (%) Rupiah 57,172 66,310 16.0% Valas 759 226 -70.2% 15.5 17.4 18.2 16.4 16.6 21.8 23.9 21.5 25.6 7.1 7.6 8.2 11.8 8.9 9.0 9.5 12.4 9.7 22.6 26.6 27.0 18.6 32.5 28.5 28.0 19.0 31.3 0 10 20 30 40 50 60 70 (Rp tr )
Kualitas Aktiva Produktif
NPL Gross (%) (Bank only) 1Q14 1Q15 YoY (%) PH 2015 (Rp Miliar) Konsumer 0.11 0.09 -0.02 - Mikro 16.4 25.5 +9.1 65 Komersial 11.1 11.4 +0.3 63 KPR 4.1 5.9 +1.8 - Total 3.8 4.2 +0.4 128 2.1 2.3 2.5 2.8 3.8 4.0 4.1 4.2 4.2 0.7 0.6 0.6 0.6 1.3 1.1 1.0 1.0 1.1 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 (%) Gross NPL Net NPL 621 786 896 1,017 1,185 1,393 1,612 1,584 1,574 796 962 1,081 1,277 1,731 1,894 2,030 2,052 2,077 0 10 20 30 40 50 60 70 80 90 100 - 500 1,000 1,500 2,000 2,500 (%) (Rp bn )Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)
Kredit Dalam Perhatian Khusus
67 63 54 64 67 84 70 53 73 790 997 1,011 900 943 920 741 647 572 420 304 323 378 275 297 289 323 280 210 254 294 347 434 543 567 568 692 - 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 2,000 S pe c ial Me nti on /T ota l Lo an s ( %) A bs ol ute S pe c ial Me nti on Lo an s ( Rp b n)Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) 4 4 3 4 4 5 4 3 53 62 60 53 55 50 44 41 28 19 19 22 16 16 17 20 14 16 17 21 25 29 34 36 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% S pe c ial Me nti on Cont ri bu ti on ( %)
Non Performing Loans
30 29 31 34 33 35 33 29 32 289 378 484 607 849 960 1,059 1,024 1,066 408 467 454 517 679 705 715 771 715 68 87 112 119 171 194 223 228 264 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 - 500 1,000 1,500 2,000 2,500 Net P erf orm ing Lo an /T ota l Lo an s ( %) A bs ol ute Net P erf orm ing Lo an s ( Rp bn ) Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) 4 3 3 3 2 2 2 1 2 36 39 45 48 49 51 52 50 51 51 49 42 40 39 37 35 38 34 9 9 10 9 10 10 11 11 13 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% N P L Cont ri bu ti on ( % )Analisis Imbal Hasil
Imbal Hasil Aktiva 1Q14 1Q15
Penempatan pada BI 4.4 3.1 Penempatan pada Bank Lain 3.2 4.7 Surat Berharga 5.9 6.1 Kredit 15.5 15.0 Lainnya 1.0 0.4
Biaya Dana 1Q14 1Q15
Kewajiban pada Bank Lain 7.2 5.5 Surat Berharga yang
Diterbitkan 9.0 11.0 DPK dari Masyarakat 5.4 5.2 Giro 2.3 2.0 Deposito 8.3 8.6 Tabungan 1.8 1.6 Pinjaman DIterima - - Placement to Bank Indonesia 9.5% Interbank Placement 3.1% Marketable Securities 15.1% Loans 71.4% Others 1.0% Current Account 35.3% Savings Account 13.3% Time Deposit 43.1% Interbank Lending 5.9% Bonds 2.4%
Komposisi Nasabah
76.2 74.8 74.3 74.3 74.9 75.2 75.9 77.2 78.6 19.9 20.7 20.8 20.7 20.4 19.6 18.6 17.6 16.4 2.0 2.2 2.1 1.9 1.4 1.7 1.9 1.4 1.1 1.9 2.3 2.7 3.1 3.3 3.5 3.6 3.8 3.9 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Le nd ing P rop orti on ( %)Consumer Micro Commercial Mortgage
1.2 0.9 0.8 0.4 0.4 0.4 0.4 0.5 0.5 14.4 14.8 12.6 7.6 7.7 7.6 7.8 8.6 9.0 84.5 84.3 86.6 92.0 91.8 92.0 91.8 90.9 90.5 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% F un di ng P rop orti on ( %)
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)
• Total CAR 15.6% (-54bps YoY)
• 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
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 NPL 0.11 0.09 -0.02 23.4 25.3 26.1 26.8 27.7 29.1 30.2 30.9 31.9 1.11 1.46 1.74 2.02 2.21 2.41 2.52 2.64 2.79 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 35 40 (%) (Rp tr )
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)
Kredit Kepada Pegawai Negeri Sipil
Indikator Utama 1Q14 1Q15 YoY (%) Posisi Kredit 27,682 31,888 15.2 % Ekspansi Netto (Rp Miliar) 843 951 12.8% Rata-Rata per Debitur (Rp Miliar) 88 99 12.5 % Jumlah Debitur 312,969 320,611 2.4 %
Tingkat Suku Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
Dalam Perhatian Khusus 0.21 0.20 -0.01 NPL 0.11 0.09 -0.02 23.4 25.3 26.1 26.8 27.7 29.1 30.2 30.9 31.9 0.12 0.11 0.11 0.12 0.11 0.11 0.10 0.08 0.09 0.0 0.1 0.2 0.3 0.4 0.5 0 5 10 15 20 25 30 35 (%) (Rp tr )
Kredit Kepada Pensiunan
Indikator Utama 1Q14 1Q15 YoY (%) Posisi Kredit 2,210 2,793 26.3 % Ekspansi Netto (Rp Miliar) 192 152 -21.1% Rata-Rata per Debitur (Rp Miliar) 73 81 10.3 % Jumlah Debitur 30,224 34,628 14.6 % Tingkat Suku
Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 1Q14 1Q15 YoY
Dalam Perhatian Khusus 0.39 0.31 -0.08 NPL 0.10 0.12 +0.02 1,109 1,464 1,743 2,018 2,210 2,407 2,519 2,641 2,793 0.11 0.08 0.09 0.12 0.10 0.12 0.12 0.11 0.12 0.0 0.1 0.2 0 500 1,000 1,500 2,000 2,500 3,000 (%) (Rp tr ) Pensioner Loans (LHS) NPL (RHS)
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 5.6 6.5 5.7 8.1 8.5 11.6 10.6 8.1 8.6 0.3 0.2 0.2 0.2 0.2 0.3 0.2 0.2 0.2 - 0.1 0.2 0.3 0.4 0.5 0 10 20 30 40 50 60 70 80 90 S pe c ial Me nti on Lo an s ( %) A bs ol ute S pe c ial Me nti on Lo an s ( Rp b n)
Civil Servant Loans (LHS) Pensioner Loans (LHS) Special Mention Loans (RHS)
91.7 89.7 89.5 87.2 87.2 86.2 84.9 84.8 88.2 8.3 10.3 10.5 12.8 12.8 13.8 15.1 15.2 11.8 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% S pe c ial Me nti on La on s Cont ri bu ti on ( %)
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 25.7 29.2 1.3 1.1 1.6 2.4 2.2 3.0 2.9 2.8 3.3 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.1 0.2 0.3 0.4 0.5 0 5 10 15 20 25 30 35 40 NP L (% ) A bs ol ute NP L (Rp b n)
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) 95.9 96.1 94.8 92.8 93.4 91.5 91.3 90.1 89.8 4.1 3.9 5.2 7.2 6.6 8.5 8.7 9.9 10.2 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% NP L Co ntri bu ti on ( %)
Kinerja Bisnis Syariah
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
(bank)
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% FDR 87.5% 88.5% +1.0%
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%
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%
Kinerja Bisnis
Penyaluran Dana (Rp Juta) 1Q14 1Q15 YoY (%) Murabahah 2,218,215 3,378,998 52.3% Ijarah 14,591 53,150 264.3% Pembiayaan 1,259,359 1,116,509 -11.3% Qardh 148,930 88,075 -40.9% Isthisna 5,390 3,977 -26.2%Total Pembiayaan (Gross) 3,646,485 4,640,709 27.3%
Penghimpunan Dana (Rp Juta) 1Q14 1Q15 YoY (%) Wadiah 72,474 85,463 17.9% Wadiah 104,799 144,039 37.4% Mudharabah 328,308 515,923 57.1% Mudharabah 2,961,082 4,005,499 35.3%
Total Dana Pihak Ketiga 3,466,662 4,750,923 37.0% 3.1 3.4 3.7 3.6 3.6 3.8 4.1 4.4 4.6 3.3 3.5 3.1 3.1 4.2 3.0 3.0 4.6 4.8 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 (Rp t r)
Profil Perusahaan
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
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
Ready For Asean Economic
Community (AEC)
Aliansi Bisnis dan Strategi
Sustainable Growth
and Excellent
Performance Bank
Micro Loans Commercial & Corporate Loans Consumer Loans & Mortgage Consumer & Institutions Deposit Treasury and International Subsidiary Companies oImproving Micro Loans Quality oRedesign Organizational Structure & Business ProcessoLinkage And Strategic Alliances With Rural Bank
oImproving Loans Process Through Four Eyes Principles oRisk Management And Expanding Quality Growth oOrganic 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
Jaringan dan Layanan
Total bjb employees 7,041 Total bjb customers 4,452,735 Banten 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 Jakarta Deposits 10.1 Tr Loans 5.1 Tr Micro Loans 215 bn Profit 46.8 bn 71,067 Customers 9 Branch Offices 58 Sub Branches 5 Cash Offices 1 Payment Point 117 ATM Unit 24 Waroeng bjb 584 EmployeesDetail 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 - Total 2,536 2,599 63
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 57Staff 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%
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)
Indonesia WOW Brand Award 2014 – Best Conventional Bank For BUKU III Category
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
Ministry of Finance Awards – Best Taxpayer for West Java Region
Perkembangan Harga Saham
Investor Relations Group
Menara bank bjb 7th Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id Contact Person:
Muhammad As’adi Budiman Group Head mbudiman@bankbjb.co.id Irwan Riswandi Manager iriswandi@bankbjb.co.id Ari Budiman Officer abudiman@bankbjb.co.id
Anjas Septa Lesmana Officer
aslesmana@bankbjb.co.id
Simon Sihol Panggabean Staff
spanggabean@bankbjb.co.id
Gilat Wijie Priyantama Staff gpriyantama@bankbjb.co.id Lies Rosdiana Staff Source: Bloomberg 0 20 40 60 80 100 120 600 700 800 900 1000 1100 1200 1300 1400 M ill io n Sh ar e s R p /sh ar e Volume (RHS) Price (LHS)
Menara bank bjb Jl. Naripan 12 – 14 7th Floor