Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
3Q12 Analyst Meeting
Pg. 5
Ringkasan Kinerja
Pg. 11
Detail Kredit
Pg. 16
Detail Dana Pihak Ketiga
Pg. 17
Kualitas Aktiva
Pg. 20
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 33
Performa Bank bjb Syariah
Daftar Isi
Pg. 33
Performa Bank bjb Syariah
Pg. 39
Profil Perusahaan
0 2 4 6 8 10 12 14 (% ) GDP Growth BI Rate 60 70 80 90 100 110 120 130 In d e x ( p ts )
Consumer Confidence Index
Ekonomi Makro
Indeks Kepercayaan Kembali Menguat BI Mempertahankan Tingkat BI Pada 5.75%
5 7 9 11 13 15 17 19 6000 7000 8000 9000 10000 11000 12000 13000 Y ie ld ( % ) U S D ID R
USDIDR 10yr Govt Bond
0 5 10 15 20 (% ) 1mth JIBOR CPI
Obligasi Menguat Meski Rupiah Melemah Inflasi Tetap Rendah dan Stabil
Sektor Perbankan
-5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 Y o Y G ro w th ( % )Loans Growth Deposit Growth
Pada bulan Agustus 2012, sektor perbankan menunjukkan:
• Pertumbuhan kredit +24.5%YoY ke level Rp2528tr (Kredit Investasi +30.1% YoY, Kredit Modal Kerja +23.3%, Kredit Konsumer +20%)
• DPK +21.4% YoY ke level Rp2,984tr (Giro dan tabungan +27.5% YoY, Deposito +14.4% YoY, Rasio Giro dan Tabungan 47.3%)
• NPL -57bps YoY ke 2.2% -10.0 20.0 30.0 40.0 50.0 60.0 Y o Y G ro w th ( % )
Investment Loans WC Loans Consumer Loans Agustus
2011 Agustus 2012 YoY (%) Total Kredit 2,031 2,528 24.5 Total DPK 2,459 2,984 21.4 LDR 82.2 84.7 2.5 NPL 2.77 2.2 (0.57) • NPL -57bps YoY ke 2.2% • ROA +9bps YoY ke 3.07%
Result Summary
• Net Interest Income Rp2.8tr (+23.2% YoY/ +3.1% QoQ)
• Laba Operasional Sebelum CKPN Rp1.5tr (+18.6% YoY/-6.8% QoQ) • CKPN Rp269bn (+30.5% YoY/ +6.7% QoQ)
• Laba bersih Rp945bn (+ 19.0% YoY/ +4.8 QoQ)
Laba Rugi
• Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ) • Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ) • Total DPK Rp52.7tr (+30.9% YoY/ +5.9% QoQ) • Total Aset Rp67.7tr (+25.8% YoY/ +10.5% QoQ) • Jumlah rekening 2.5mn (+58.6% YoY/ +0.7% QoQ)
Neraca
• NIM 7.1% (+36bps YoY/ +19bps QoQ) • ROA (net) 2.1% (-9bps YoY/ +5bps QoQ) • ROE (net) 23.1% (+211bps YoY/ +49bps QoQ) • Gross NPL 1.7% (-90bps YoY/ +29bps QoQ)
Rasio
Keuangan
Target vs. Realisasi
Target 1Q12 2Q12 3Q12 Pertumbuhan Kredit 22% - 25% 21.6 26.4 27.8 Pertumbuhan DPK 15% - 18% 51.4 37.5 30.9 ROA (net) 1.8% - 2.0% 2.0 2.1 2.1 ROE (net) 18% - 20% 20.1 22.6 23.1 NIM 6.8% - 7.2% 6.5 6.9 7.1 NIM 6.8% - 7.2% 6.5 6.9 7.1 Cost of Fund 6.4% - 6.7% 5.8 5.5 5.3 Cost to Income Ratio 51% - 54% 51.5 51.1 52.3 Gross NPL 1.2% - 1.7% 1.2 1.4 1.7 Credit Cost 1.0% - 1.4% 0.5 1.0 1.0 Rasio CASA 40% - 45% 34.5 37.1 43.5Rasio Keuangan
Rasio Penting 3Q11 4Q11 1Q12 2Q12 3Q12 Profitabilitas ROA (net) 2.2 1.9 2.0 2.1 2.1 ROE (net) 21.0 18.5 20.1 22.6 23.1 Rasio BiayaCost to Income Ratio 48.9 51.6 51.5 51.1 52.3
BOPO 78.0 78.8 75.8 75.9 76.8 Imbal Hasil Asset Yield 12.9 13.0 12.1 12.5 12.5 Cost of Fund 6.3 6.6 5.8 5.5 5.3 NIM 6.8 6.9 6.5 6.9 7.1 LDR 67.7 73.0 56.3 65.5 65.0 Kualitas Aset
Dalam Perhatian Khusus 1.5 2.1 3.1 2.6 3.6
Gross NPL 2.6 1.2 1.2 1.4 1.7
Net NPL 0.8 0.4 0.8 0.6 0.5
Coverage Ratio 111.0 155.5 143.8 121.3 116.4
Laporan Laba Rugi
(Rp bn) 9M11 9M12 YoY (%) FY11 2Q12 3Q12 QoQ (%)
Pendapatan Bunga 4,306 5,092 18.2 5,977 1,767 1,727 -2.2
Beban Bunga (2,035) (2,293) 12.7 (2,916) (792) (732) -7.5
Pendapatan Bunga
Bersih 2,271 2,799 23.2 3,061 965 995 3.1
Fee Based Income 217 177 -18.6 193 78 55 -29.9
Beban Operasional (1,262) (1,522) 20.6 (1,721) (502) (546) 8.7
Laporan Laba Rugi
Laba (Rugi) dalam
Instrumen Keuangan 9 11 22.4 11 5 5 0.0
PPOP 1,234 1,464 18.6 1,543 546 509 -6.8
Beban CKPN (206) (269) 30.5 (262) (113) (121) 6.7
Pendapatan Non
Operasional 37 (0) (100.9) 39 (1) 2 -293.4
Laba Sebelum Pajak 1,065 1,194 12.2 1,320 432 390 -9.7
Beban Pajak (270) (249) -7.9 (357) (102) (44) -56.5
Struktur Kepemilikan Jumlah Saham %
Provinsi Jawa Barat 3,709,994,733 38.26%
Kabupaten Bandung 689,906,967 7.12%
Provinsi Banten 520,589,856 5.37%
Seri – A Lain 2,351,727,110 24.25%
Seri - B 2,424,072,500 25.00%
Total 9,696,291,166 100%
Diskon Pajak Sebesar 5%
Bank bjb berhak mendapatkan
diskon pajak penghasilan (PPH)
sebesar 5% sesuai dengan
Peraturan Menteri Keuangan No
238/PMK.03/2008, dimana hal
tersebut diatur pada pasal 2:
• Minimum kepemilikan 40% oleh
publik atau setara minimum 300
pemegang saham
• Setiap pemegang saham memiliki
Total 9,696,291,166 100%
49.25% 50.75%
Total Non - Controlling Shareholders Controlling Shareholders
• Setiap pemegang saham memiliki
kurang dari 5% kepemilikan
• Minimum masa kepemilikan selama
183 hari
Estimasi benefit pajak pada tahun
2012 sebesar Rp72miliar dengan
asumsi Laba Sebelum Pajak
sebesar Rp1.4triliun sesuai
dengan Rencana Bisnis Bank
Neraca
Ringkasan Neraca
(Rp bn) 3Q11 FY11 2Q12 3Q12 YoY (%) QoQ (%)
Kas atau Setara Kas 1,291 1,726 1,482 1,380 6.9 -6.9
Giro pada Bank
Indonesia 3,471 3,674 4,308 4,279 23.3 11.4 Cadangan Sekunder 20,537 19,283 19,996 25,047 22.0 25.3 Kredit-net 27,027 28,223 32,713 34,533 27.8 5.6 Aktiva Tetap-net 510 560 550 520 2.0 -5.6 Aktiva Lain-lain 983 983 1,685 1,949 98.2 15.6 Total Aktiva 53,819 54,449 61,255 67,708 25.8 10.5 Total DPK 40,267 39,043 49,799 52,724 30.9 5.9
Surat Berharga yang
Diterbitkan 3,742 2,743 2,744 2,395 (36.0) -12.7
Pinjaman Diterima 3,630 5,473 2,151 5,581 53.7 159.4
Lainnya 961 1,803 1,166 1,267 31.8 8.6
Total Kewajiban 48,599 49,062 55,860 61,966 27.5 10.9
2.5 2.7 2.9 3.0 3.1 3.6 4.1 3.5 3.7 3.7 4.2 4.6 4.4 4.3 5.3 5.6 0.1 0.1 0.1 0.1 0.2 0.5 0.7 0.9 1.2 20.0 25.0 30.0 35.0 (R p t r)
Consumer Micro Commercial Mortgage
Detail Kredit (bank)
Segmen (Rp miliar) 3Q11 3Q 12 YoY (%) Konsumer 18,500 21,842 18.1 Mikro 2,920 4,117 40.9 Komersial 4,559 5,617 23.2 KPR 195 1,215 523.0 15.4 16.0 16.7 18.0 18.5 19.2 19.7 21.4 21.9 2.0 2.4 2.5 -5.0 10.0 15.0 (R p t r)
Total Gross Loans 26,175 32,790 25.2
Mata Uang (Rp miliar) 3Q‘11 3Q ‘12 YoY (%) Rupiah 26,012 32,509 24.9 Valas 163 281 72.4
Kredit Konsumer
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 18,500 21,842 18,1%
Ekspansi Neto per Bulan (Rp miliar) 168 199 18,4% Rata-rata Outstanding per Debitur 50 62.3 23,5% 0.45 0.43 0.44 0.45 0.47 0.50 0.54 0.56 0.60 0.63 0.60 0.70 0.80 0.90 1.00 15.0 20.0 25.0
Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)
Debitur (Rp miliar)
Jumlah Debitur 366,637 350,347 -4,4% Tingkat Suku Bunga 18.0% - 19.5% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian Khusus 0,15 0,23 +0,08 NPL 0,13 0,13 -0,00 15.3 14.92 15.5 16.3 17.5 18.0 18.6 19.2 20.8 21.2 -0.10 0.20 0.30 0.40 0.50 -5.0 10.0 (% ) (R p t r)
1.1 1.1 0.7 0.7 0.7 0.6 0.6 0.6 0.7 5.0 6.0 7.0 8.0 9.0 10.0 2.5 3.0 3.5 4.0 4.5 (R p t r) (R p t r)
Kredit Mikro Utama Government Program KCR NPL (RHS)
Kredit Mikro
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 2,920 4,117 41,0% Ekspansi Neto per
Bulan (Rp miliar) (0.4) 182 -Rata-rata Outstanding per Debitur (Rp miliar) 44.9 52.5 16,9% 0.7 1.0 1.0 1.0 1.1 1.2 1.2 1.4 1.9 2.3 0.1 0.3 0.7 0.9 1.0 1.1 1.1 1.1 0.5 0.7 0.7 0.7 0.0 1.0 2.0 3.0 4.0 5.0 -0.5 1.0 1.5 2.0 (R p t r) (R p t r) Jumlah Debitur 64.966 78.348 20,6% Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.5 12.7 +4.2
NPL 5.1 4.9 -0.2
Kredit Komersial
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 4,559 5,617 23,2%
Ekspansi Neto per Bulan (Rp miliar) 107.5 34.5 -67,9% Rata-rata Outstanding per Debitur (Rp miliar) 363 483 33,0% 0.6 0.6 0.5 0.5 0.5 0.6 0.6 0.6 0.8 0.8 8.9 9.0 8.8 11.0 10.8 10.9 8.0 10.0 12.0 4.0 5.0 6.0
Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)
(Rp miliar)
Jumlah Debitur 12,556 11.633 -7,4% Tingkat Suku Bunga 8% - 12% eff. p.a
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian Khusus 2.5 9,2 +6,7 NPL 10.9 5,3 -5,6 2.3 2.5 2.6 2.6 3.0 3.3 3.2 3.0 3.9 0.5 0.5 0.6 0.6 0.6 0.6 0.6 0.5 0.5 0.5 0.5 4.8 4.5 5.2 -2.0 4.0 6.0 -1.0 2.0 3.0 (%) (R p t r)
Indikator Utama 3Q11 3Q12 YoY (%)
Outstanding 195 1,214 522,4%
Ekspansi Neto per Bulan (Rp miliar) 15 106 610,8% Rata-rata Outstanding per Debitur (Rp miliar) 177 241 36,3%
Kredit Pemilikan Rumah (KPR)
663 941 1,215 8.4 10.7 10.4 9.2 7.4 6.0 8.0 10.0 12.0 800 1,000 1,200 1,400 (% ) (R p b n ) Mortgage Loans (LHS) NPL (RHS) Jumlah Debitur 1,104 5,040 356,5% Tingkat Suku Bunga 8.75% - 13.75% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian Khusus 7,7 7,3 -0,4 NPL 5,6 2,6 -3,0 80 78 91 108 140 195 453 663 5.6 2.6 0.2 0.5 2.6 -2.0 4.0 6.0 -200 400 600 (% ) (R p b n )
4.4 5.0 6.0 6.3 10.3 7.5 10.0 10.0 10.8 11.0 12.0 11.7 15.7 25.0 30.0 35.0 40.0 45.0 50.0 (R p t r)
Time Deposit Savings Account Current Account
Detail DPK (bank)
Detail DPK (Rp miliar) 3Q11 3Q12 YoY (%) Giro 10,772 15,678 45.5 Tabungan 4,356 6,275 44.0 Deposito 23,548 28,531 21.2 TOTAL 38,676 50,485 30.5 19.2 18.9 19.1 20.9 23.5 20.0 32.4 30.0 28.5 3.5 4.7 3.8 4.0 4.4 6.0 0.0 5.0 10.0 15.0 20.0 25.0 (R p t r) TOTAL 38,676 50,485 30.5 Rasio CASA (%) 39.1 43.5 Mata Uang (Rp miliar) 3Q11 3Q12 YoY (%) Rupiah 38,246 50,277 31.4 Valas 430 207 -51.9527 593 575 701 699 754 508 480 534 648 516 587 679 441 557 120 140 160 180 500 600 700 800
Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)
Kualitas Aktiva
Gross NPL (%) (Bank) 3Q11 3Q12 Total Hapus Buku 9M12 (Rp miliar) Konsumer 0.13 0.13 1.9 Mikro 5.1 4.9 100.6 Komersial 10.9 5.3 39.5 KPR 5.6 2.6 9.4 1.8 1.9 1.8 2.2 2.3 2.6 1.2 1.2 1.4 1.7 0.2 0.2 0.3 0.5 0.7 0.8 0.4 0.2 0.6 0.5 -0.5 1.0 1.5 2.0 2.5 3.0 (% ) Gross NPL Net NPL 368 403 406 324 334 441 0 20 40 60 80 100 -100 200 300 400 (%) (R p b n ) Total 2.6 1.7 151.6Kredit Dalam Perhatian Khusus
516 44 88 3.1 2.6 3.6 2.5 3.0 3.5 4.0 1,000 1,200 1,400 S p e ci a l M e n ti o n /T o ta l Lo 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) 51 56 54 46 46 28 42 51 45 44 4 3 1 2 2 4 2 5 7 7 60% 70% 80% 90% 100% S p e c ia l M e n ti o n C o n tr ib u ti o n ( % )
Consumer Micro Commercial Mortgage
25 24 21 33 25 28 19 37 37 51 68 109 95 147 195 247 278 332 344 524 103 182 138 159 190 113 224 438 365 516 8 8 3 7 7 15 9 44 60 1.0 1.5 1.2 1.5 1.7 1.5 2.0 -0.5 1.0 1.5 2.0 -200 400 600 800 S p e ci a l M e n ti o n /T o ta l Lo 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 ( 12 7 8 9 6 7 4 4 5 4 33 34 37 42 47 61 52 39 43 44 0% 10% 20% 30% 40% 50% 60% S p e c ia l M e n ti o n C o n tr ib u ti o n ( % )
Non Performing Loans
98 149 22 24 24 27 10 10 11 32 3.0 3.5 4.0 4.5 5.0 500 600 700 800 N P L /T o ta l L o a n s ( % )Commercial (LHS) Micro (LHS) Consumer (LHS) Mortgage (LHS) % to Loans (RHS) 81 78 79 79 78 73 65 59 63 53 2 2 2 2 2 2 4 0 1 6 60% 70% 80% 90% 100% N P L C o n tr ib u ti o n ( % )
Consumer Micro Commercial Mortgage
299 313 320 409 455 495 211 196 277 297 39 62 58 75 78 114 137 201 23 20 19 23 22 22 7 8 9 12 2 5 0.0 0.5 1.0 1.5 2.0 2.5 3.0 0 100 200 300 400 N P L /T o ta l L o a n s ( % ) (R p b n ) 6 5 5 4 4 3 7 7 5 5 11 15 14 15 17 22 24 34 31 36 81 0% 10% 20% 30% 40% 50% N P L C o n tr ib u ti o n ( % )
7.0 7.5 8.0 12.0 13.0 14.0
Asset Yield (LHS) CoF (RHS) NIM (RHS)
Analisa Imbal Hasil
FY
• NIM 7.1% (+36bpsYoY/ +23bps QoQ)
• Cost of Fund 5.3% (-100bps YoY/-19bps QoQ) • Asset Yield 12.5% (-40bps YoY/ +4bps QoQ) • Kredit/total aktiva produktif 56.4% (-37%YoY/ -455bps QoQ) 5.0 5.5 6.0 6.5 8.0 9.0 10.0 11.0 (%) (% ) (Rp bn) 3Q11 FY 2011 3Q12 Average Earning Asset 42,699 43,892 51,660 Asset Yield 12.9 13.0 12.5 Average Interest Bearing Liabilities 41,392 42,693 52,109 Cost of Fund 6.3 6.6 5.3 NIM 6.8 6.9 7.1
11 12 12 13 14 15 15 15 16 18 0 0 0 0 0 0 0 1 1 1 70% 80% 90% 100% N o o f A c c o u n t P ro p o rt io n ( % )
Consumer Micro Commercial Mortgage
Basis Nasabah
Growing Micro Loans Customer Based Relatively Stable Funding Mix QoQ
42 42 26 34 37 34 32 17 18 22 16 19 18 25 19 19 19 70% 80% 90% 100% F u n d in g P ro p o rt io n ( % )
Government Corporate Retail
87 86 84 84 83 82 82 82 80 79 0% 10% 20% 30% 40% 50% 60% N o o f A c c o u n t P ro p o rt io n ( % ) 41 40 24 58 48 45 25 40 47 49 42 42 54 37 50 41 0% 10% 20% 30% 40% 50% 60% F u n d in g P ro p o rt io n ( % )
Kecukupan Modal
Risk Weighted
Asset 3Q11 2Q12 3Q12
Risk Weighted Asset 17.291 25,235 25,197
Credit Risk 14.643 19,759 19,271 Operational Risk 2.416 5,191 5,191 Market Risk 231 284 735
CAR Analysis Risk
Addition to
RWA/ Net Impact
to CAR
•RWA for Market Risk +184% MoM due to new Bank Indonesia regulation regarding credit rating
requirement for marketable securities. Our holding of non-rated bonds has caused the increasing RWA. • Total CAR stable at 18.4%
RWA/Total Asset 41,8% 42.9% 38.7% tier-1 4.178 4,665 4,726 tier -2 (82) (21) (81) Total Capital 4.096 4,644 4,645 Tier-1 CAR 24,2% 18.5% 18.8% Total CAR 23,7% 18.4% 18.4%
CAR Analysis Risk
Weighting RWA/ Rp1tr Net Expansion to CAR (%) Consumer Loans 50% Rp500bn 0.32 Micro Loans 75% Rp750bn 0.49 Commercial Loans 100% Rp1tr 0.67 Mortgage Loans 40% Rp400bn 0.25
Pendorong Pertumbuhan Baru
Micro Loans Performance
• Overall micro loans growth at +41% YoY/ +13.4% QoQ) • Net expansion of Rp486bn QoQ
• Loans portfolio contribution to total loans at 12.6% (+140bps YoY/ +93bps QoQ)
Pertumbuhan
• Overall NPL at 4.9% (-23bps YoY/ +110bps QoQ)
• Special Mention Loans at 12.7% (+427bps YoY/+325bps QoQ) • Absolute Special Mention Loans at Rp524bn
(Rp277bn YoY/ Rp180bn QoQ)
• Absolute NPL at Rp201bn (+Rp51.8bn YoY/ +Rp64bn QoQ)
1.1 1.1 0.7 0.7 0.7 0.6 0.6 0.6 0.7 5.0 6.0 7.0 8.0 9.0 10.0 2.5 3.0 3.5 4.0 4.5 (R p t r) (R p t r)
Kredit Mikro Utama Government Program KCR NPL (RHS)
Kredit Mikro
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 2,920 4,117 41,0% Ekspansi Neto per
Bulan (Rp miliar) (0.4) 182 -Rata-rata Outstanding per Debitur (Rp miliar) 44.9 52.5 16,9% 0.7 1.0 1.0 1.0 1.1 1.2 1.2 1.4 1.9 2.3 0.1 0.3 0.7 0.9 1.0 1.1 1.1 1.1 0.5 0.7 0.7 0.7 0.0 1.0 2.0 3.0 4.0 5.0 -0.5 1.0 1.5 2.0 (R p t r) (R p t r) Jumlah Debitur 64.966 78.348 20,6% Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.5 12.7 +4.2
NPL 5.1 4.9 -0.2
Kredit Mikro Utama
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 1,157 2,337 102,1% Ekspansi Neto per
Bulan (Rp miliar) 6 160 2800,4% Rata-rata Outstanding per Debitur (Rp miliar) 25,3 40,0 57,9% 1.2 1.2 1.4 1.9 2.3 5.9 6.0 8.0 10.0 12.0 1.5 2.0 2.5 (% ) (R p t r)
Kredit Mikro Utama (LHS) NPL (RHS)
Jumlah Debitur 45.685 58.478 28,0% Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian Khusus 11,2 13,1 +1,9 NPL 5,9 3,8 -2,1 0.7 1.0 1.0 1.0 1.1 1.2 1.2 4.1 4.2 3.9 4.9 5.4 2.3 2.3 2.5 3.8 0.0 2.0 4.0 6.0 -0.5 1.0 (% ) (R p t r)
691.4 854.7 986.7 1,099.5 1,143.6 1,128.3 1,110.9 1,118.0 5.5 6.0 8.4 6.0 8.0 10.0 12.0 800.0 1,000.0 1,200.0 1,400.0 (% ) (R p b n ) Government Program (LHS) NPL (RHS)
Government Program
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 1,100 1.118 1,7%
Ekspansi Neto per Bulan (Rp miliar) 9.2 15.6 68,9% Rata-rata Outstanding per Debitur (Rp miliar) 81,1 74,8 -7,7% 113.2 344.7 691.4 - - 0.0 0.4 1.3 3.1 2.7 5.5 -2.0 4.0 6.0 -200.0 400.0 600.0 (% ) (R p b n ) (Rp miliar) Jumlah Debitur 13.558 14.941 10,2% Tingkat Suku Bunga 8.3% - 13% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 8.7 13.7 +5, 7
NPL 3.1 8.4 +5, 3
- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.
454.4 664.2 673.2 662.6 684.0 663.8 628.0 578.6 630.1 661.7 6.9 5.0 6.0 7.0 8.0 500.0 600.0 700.0 800.0 (R p b n )
Others Micro Loans(LHS) NPL (RHS)
Other Micro Loans
*)
Indikator Utama 3Q11 3Q12 YoY
(%)
Outstanding 664 662 -0.3
Ekspansi Neto per Bulan (Rp miliar) (15,2) 6.4 57.8 Rata-rata Outstanding per Debitur (Rp miliar) 116 134 15.5 2.1 2.8 2.8 3.5 3.9 3.1 3.7 3.8 2.7 -1.0 2.0 3.0 4.0 -100.0 200.0 300.0 400.0 (%) (R p b n ) Jumlah Debitur 5,723 4,929 -13.8 Tingkat Suku Bunga 5% - 19.57% eff. p.a.
Kualitas Kredit 3Q11 3Q12 YoY
Dalam Perhatian
Khusus 3,4 9,7 +6,3
NPL 6,9 2,7 -4,2
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
Kredit Mikro Dalam Perhatian Khusus
- 3 6 21 33 39 39 43 37 29 15 13 8 13 14 9 11 6 6 12 60% 70% 80% 90% 100% S p e c ia l M e n ti o n C o n tr ib u ti o n ( % )KMU (LHS) Govt Program (LHS) Others (LHS)
152.8 22.0 64.0 8.5 9.4 10.8 9.5 12.7 8.0 10.0 12.0 14.0 400.0 500.0 600.0 A b s o lu te S p e c ia l M e n ti o n L o a n s ( R p b n )
KMU (LHS) Govt Program (LHS)
Others (LHS) Special Mention Loans (RHS)
85 84 86 67 54 52 49 51 56 59 0% 10% 20% 30% 40% 50% S p e c ia l M e n ti o n C o n tr ib u ti o n ( % ) 57.8 91.4 81.5 98.1 105.1 129.0 137.7 169.4 194.5 307.3 -3.4 5.8 30.6 63.7 95.6 109.7 142.4 127.7 10.6 14.6 7.7 18.5 26.7 22.5 30.9 20.2 22.0 5.3 5.3 4.0 5.8 7.1 -2.0 4.0 6.0 8.0 -100.0 200.0 300.0 (%) A b s o lu te S p e c ia l M e n ti o n L o a n s ( R p b n )
Non Performing Loans Kredit Mikro
-0 4 14 23 40 54 49 47 24 30 33 30 27 31 25 19 17 9 60% 70% 80% 90% 100% N P L C o n tr ib u ti o n ( % )KMU (LHS) Govt Program (LHS) Others (LHS)
18.0 3.6 5.1 3.7 3.8 4.9 4.0 5.0 6.0 150.0 200.0 250.0 A b s o lu te N P L ( R p b n )
KMU (LHS) Govt Program (LHS) Others (LHS) NPL (RHS) 76 70 67 66 59 46 35 27 34 44 40 54 0% 10% 20% 30% 40% 50% N P L C o n tr ib u ti o n ( % ) 30.0 43.8 38.7 49.5 57.9 68.7 27.6 31.2 46.6 89.4 -0.2 3.0 13.3 34.6 31.1 61.7 66.9 93.7 9.4 18.5 19.0 22.9 26.7 46.0 19.6 21.6 23.7 3.0 3.0 2.4 3.0 3.6 2.6 -1.0 2.0 3.0 -50.0 100.0 (% ) A b s o lu te N P L ( R p b n )
Bertumbuhnya Jumlah Nasabah
Jumlah nasabah kredit mikro terus
berkembang seiring dengan ekspansi
Waroeng bjb. Dalam 1 tahun terakhir, bank
bjb menambah 13,382 nasabah baru.
50.0 60.0 70.0 80.0 90.0 N o o f A c c o u n t (0 0 0 )
Total Micro Kredit Mikro Utama Government Program Others
No. of Customer 3Q11 3Q12 YoY
Total Micro 64.966 78.348 +13.382
Kredit Mikro Utama 45.685 58.478 +12.793
Government Program 13.558 14.941 +1.383 Others 5.723 4.929 -794 -10.0 20.0 30.0 40.0 50.0 N o o f A c c o u n t (0 0 0 )
Proses Bisnis
Marketing
Proses Kredit
Penagihan
•Staf Marketing •Sales •Prosesor •Analis Kredit •Officer •Pemimpin Cabang •Staf pick up •Staf supervisi
SDM Marketing Sales Prosesor Analis
Kredit Officer
Pemimpin
Cabang Pick-up Supervisi
NPL (%)
Total
Kinerja Bisnis Syariah
Ringkasan Kinerja
• Pendapatan Marjin Bersih Rp145bn (+31.8% YoY) • Biaya Operasional Rp134bn (+36.7% YoY)
• Laba Bersih Rp10.8bn (-3.6% YoY)
Laba Rugi
• Total Pembiayaan Rp 2.4tr (+49.2% YoY) • Total Pembiayaan Rp 2.4tr (+49.2% YoY) • Total DPK Rp2.4tr (+38.9% YoY)
• Total Aktiva at Rp 3.2tr (+37.4% YoY)
Neraca
• NIM 7.2% (-70bps YoY) • ROA 0.7 (-40bps YoY) • ROE 2.7% (-30bps YoY) • Gross NPF 4.8% (+310bps YoY)Rasio
Keuangan
Rasio Penting
Rasio Penting (%) 3Q11 3Q12 YoY
CAR 31.8 25.4 -6.4 Gross NPF 1.7 4.8 +3.1 Net NPF 0.6 3.4 +2.8 ROA 1.1 0.7 -0.4 ROE 2.9 2.7 -0.3 NIM 7.9 7.2 -0.7 BOPO 85.9 90.5 +4.6 FDR 96.3 103.5 +7.1
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta) 9M11 9M12 YoY (%)
Pendapatan Marjin 178,496 248,142 39.0
Biaya Marjin (68,250) (102,796) 50.6
Marjin Bersih 110,246 145,346 31.8
Pendapatan Operasional Lainnya 4,111 3,050 -25.8
Biaya Operasional (98,230) (134,245) 36.7
Pendapatan Operasional 16,127 14,151 -12.3
Pendapatan Non Operasional (Biaya) -31 246 -894
Laba Sebelum Pajak 16,096 14,397 -10.6
Beban Pajak (4,890) (3,599) -26.4
Neraca Keuangan
(Rp juta) 3Q11 3Q12 YoY (%)
Kas atau Setara Kas 13,388 19,681 47.0
Giro Pada Bank Indonesia 75,844 117,016 54.3
Cadangan Sekunder 592,404 608,704 2.8
Pembiayaan – Net 1,605,756 2,390,851 48.9
Aktiva Tetap – Net 5,649 16,152 185.9
Aktiva Lain-lain 38,987 49,777 27.7
Neraca
Total Aktiva 2,332,028 3,203,838 37.4
DPK 1,590,670 2,238,873 40.8
Pinjaman yang Diterima 152,064 253,058 66.4
Lainnya 70,009 83,487 19.3
Total Kewajiban 1,812,743 2,575,418 42.1
1.6 1.6 1.5 1.6 1.7 1.8 2.0 2.4 1.6 2.2 2.0 2.3 2.2 2.0 2.5 3.0
Total Financing Total Deposit
Kinerja Syariah
Pembiayaan 3Q11 3Q12 YoY (%) Murabahah – (Trading) 783 1,119 42.9 Ijarah 151 16 (89.4) Musyarakah 302 744 146.4 Mudharabah 190 168 (11.6) Qardh – (Bridging) 210 395 88.1 Isthisna – (Pawning) 4 6 50.0 Total Pembiayaan 1,640 2,448 49.3 1.6 1.6 1.5 1.3 1.1 1.4 1.6 -0.5 1.0 1.5 (R p t r) Funding 3Q11 3Q12 YoY (%)Wadiah Current Account 56 76 35.7
Mudharabah Current
Account 22 64 190.9
Wadiah Savings Account 60 69 15.0
Mudharabah Savings
Account 146 197 34.9
Mudharabah Time
Profil Perusahaan
Kepemilikan
Struktur Kepemilikan (%) Pendiri (Seri A) 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
West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series) Seri B (Publik) 25,00 Lokal Perorangan 6.14 Lokal Institusi 12.40 Perorangan Asing 0.03 Institusi Asing 6.44 38.26 23.61 5.37 7.76 25
Road Map
2011-2012
2013-2014
2015
Building/Establishment
New Infrastructures
Strategy StrategyLeading in Service
As One of the Big Banks
A National Bank
Leading in Service and
Performance
Strategy
A Strong Sustainable Growth and Profitable National Bank
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`
Leading in Service and Performance National Bank
Business and Strategic Alliances
Sustainable Profit
and Growth
SME / Micro Financing Institutional & Commercial Banking Consumer Loans Consumer Deposit Treasury and International Subsidiary Companies oDeepening OurPresence on West oImproving Loans Process oStrengthening Our Position on Civil oRebranding , oProviding Trade oAcquisition of Presence on West
Java and Banten Area oDeveloping Waroeng BJB oMSME Financial Intitution Strategic Alliances and Acquisition Process oRisk Management and Debtor Rating System Position on Civil Servant Loans oCentralized and Electronic Loans Infrastructure oMulti-finance Company Acquisition oRebranding , Network Expansion and Service Excellence oAggressive Sales and Promotion oPricing Strategy oProviding Trade Finance, Remittances, and Dealing Services for Customers and Investors. oStrategic Alliances with coresponden Bank Remittance Agencies o Insurance and Securities Companies to Provide All-in-One Banking Services Risk Management and Compliance Improving HR Competencies Through Extensive Training Program & Professional Hire
Developing IT Infrastructure and e-banking Services Network Expansion and Services Improvement Enhance Communication with Investors Support Strategy
Pengukuran Profil Risiko Kantor Cabang
Branches Risk Credit Risk Market Risk Compliance RiskKedepan, bank bjb berupaya meningkatkan fungsi manajemen risiko dengan menerapkan pendekatan baru terhadap profil risiko Kantor Cabang melalui pengukuran faktor – faktor sebagai berikut :
• Risiko Pasar
Konsentrasi Special rate Deposito, rata – rata biaya bunga, total penyaluran kredit valuta asing (valas) • Risiko Kredit
NPL level, konsentrasi kredit, total penyaluran kredit per sektor ekonomi, total pencadangan kredit, pertumbuhan aset • Risiko Likuiditas Branches Risk Management Approach Liquidity Risk Operational Risk Legal Risk Strategic Risk Reputational Risk • Risiko Likuiditas
Pencairan Dana, Konsentrasi Dana Non Pemerintah Daerah, rasio LDR
• Risiko Strategis
Penerapan Balance Scorecard • Risiko Kepatuhan
Self Assessment Kantor Cabang • Risiko Operasional
Self Assessment Kantor Cabang • Risiko Hukum
Self Assessment Kantor Cabang • Risiko Reputasi
Jaringan Layanan
Jaringan Layanan bank bjb
Klasifikasi 2011 2Q12 3Q12 Expansion Plan in 2012 Realization
Kantor Cabang 51 56 56 5 5
Kantor Cabang Pembantu
(KCP) 203 215 215 96 12
Kantor Kas 55 81 114 85 59
Payment Point 89 95 97 23 8
Waroeng bjb 0 436 437 448 437
Mobile Cash 7 7 7 4 0
Layanan Mitra Prioritas 11 11 11 0 0
Layanan Mitra Prioritas 11 11 11 0 0
Sub Total 416 901 937 661 521
ATM 528 598 674 472 146
)*bjb ATM can accessed by more than 167.000 ATM Bersama, ATM Prima/BCA, and Prima Debet Points
Kantor Cabang yang berlokasi di Luar Provinsi Jawa Barat dan Banten :
Jkt – Arthaloka Jkt – Hasyim Ashari Jkt – Mangga Dua Jkt - Rawamangun
Jkt – Kebayoran Baru Medan Denpasar Semarang
Makassar Pekanbaru Tegal Surabaya
1.2
92.0 6.7
Up to High School Up to Bachelor Degree Masters and Doctorate
Sumber Daya Manusia
Detail Pendidikan Posisi 3Q11 3Q12 Komisaris 5 6 Direksi 6 6 Manajemen Puncak 19 29 Manajemen Madya 130 200
Manajemen Lini Pertama 780 1.109
64.2 20.4
15.5
<30 31 - 40 40 - 55
Detail Umur
Manajemen Lini Pertama 780 1.109
Staf 1,164 1,905
Masa Persiapan Pensiun 9 8
Total Permanen 2,113 3,251
Non Permanen 3,566 4,796
Kinerja Harga Saham
Grup Hubungan Investor
Menara bank bjb 7thFloor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id Contact Person: Hanel Topada Pemimpin Bagian 1000 1200 1400 1600 1800 2000 400 500 600 700 800 M il li o n S h a re R p /S h a re Volume (LHS) Price (RHS) htopada@bankbjb.co.id Irwan Riswandi Manajer Senior iriswandi@bankbjb.co.id Ari Budiman Manajer abudiman@bankbjb.co.id
Muhammad As’adi Budiman Manajer Senior mbudiman@bankbjb.co.id 0 200 400 600 800 1000 0 100 200 300 400 M il li o n S h a re R p /S h a re
Menara bank bjb Jl. Naripan 12 – 14 7thFloor