BJBR AM 3Q2013 Bahasa

(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)

Ekonomi Makro

Tren Penurunan Indeks Kepercayaan Konsumen

BI Rate Meningkat 150 bps ke 7.25%

Pengaruh Global Terhadap Pelemahan Pasar

Obligasi dan Rupiah

Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi

0

GDP Growth BI Rate

60

Consumer Confidence Index

0

CPI 1mth JIBOR

Source: Bloomberg Source: Bloomberg

0

(4)

Sektor Perbankan

Pada

bulan

Juli‘

13,

data

sektor

perbankan

menunjukkan :

• Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi

+33.5% YoY, Kredit Modal Kerja +18.7%, Kredit

Konsumsi +20.0%)

• DPK +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY,

Deposito Berjangka +7% YoY, CASA Rasio 56%)

• NPL -32bps YoY to 1.87%

Loans Growth Deposit Growth

-Investment Loans WC Loans Consumer Loans

Source: Bank Indonesia

(5)

Ringkasan Kinerja

• Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ)

• Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ)

• CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ)

• Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ)

Laba Rugi

• Total Kredit Rp 44.1 triliun (+34.4% YoY/ +5.3% QoQ)

• Total Pembiayaan Syariah Rp 3.7 triliun (+52.2% YoY/ +9.9% QoQ)

• Total DPK Rp 56.6 triliun (+7.3% YoY/ +2.7% QoQ)

• Total Aset Rp 75.9 triliun (+12.0% YoY/ +3.3% QoQ)

Neraca

• NIM 8.0% (+93bps YoY/ -11bps QoQ)

• ROA (Net) 2.2% (+2bps YoY/ -7bps QoQ)

• ROE (Net) 23.5% (+38bps YoY/ -82bps QoQ)

• NPL (Gross) 2.5% (+77bps YoY/ +16bps QoQ)

Rasio

(6)

Target vs. Realisasi

(%)

Target

1Q13

2Q13

3Q13

Pertumbuhan Kredit

25% - 28%

36.0

33.7

34.3 Pertumbuhan DPK

18% - 22%

-5.1

10.6

7.3 ROA (net)

1.8% - 2.0%

2.4

2.2

2.2 ROE (net)

20% - 22%

24.2

24.3

23.5 NIM

6.8% - 7.2%

8.2

8.0 Cost of Fund

5.0% - 5.5%

4.6

4.8 Cost to Income Ratio

51% - 54%

55.0

54.7

55.6 Gross NPL

1.5% - 2.0%

2.1

2.3

2.5 Credit Cost

1.0% - 1.4%

1.2

1.3

1.2

(7)

Rasio Keuangan (bank)

Rasio Penting

3Q12

4Q12

1Q13

2Q13

3Q13

Profitabilitas

ROA (net)

2.1

1.9

2.4

2.2

2.2 ROE (net)

23.1

21.3

24.2

24.3

23.5 Rasio Biaya

Cost to Income Ratio

52.3

56.5

55.0

54.7

55.6 Expense Ratio

76.8

80.0

74.4

75.9

77.0 Imbal Hasil

Asset Yield

12.5

12.0

12.8

12.7

12.8 Cost of Fund

5.3

5.2

4.6

4.8 NIM

7.1

6.8

8.2

8.0 LDR

65.0

74.1

83.2

80.8

82.2 Kualitas Aset

Dalam Perhatian Khusus

3.6

3.0

3.9

3.8 Gross NPL

1.7

2.1

2.3

2.5 Net NPL

0.5

0.7

0.6

0.6 Coverage Ratio

116.4

82.9

78.1

81.8

82.9 CKPN/Total Kredit

2.0

1.7

1.6

1.9

2.0 Credit Cost

1.0

1.2

1.3

1.2

(8)

Laporan Laba Rugi

(Rp miliar)

3Q12

3Q13

YoY

(%)

2Q13

3Q13

QoQ

(%)

Pendapatan Bunga

5,092

5,995

17.7%

2,042

2,064

1.1%

Beban Bunga

(2,293)

(2,421)

5.6%

(801)

(885)

10.5%

Pendapatan Bunga

Bersih

2,799

3,574

27.7%

1,241

1,179

-5.0%

Fee Based Income

177

209 18.1%

78

67 -13.1%

Beban Operasional

(1,522)

(2,072)

36.1%

(717)

(700)

-2.3%

Laba (Rugi) dalam

Instrumen Keuangan

11

38 259.6%

10

29 201.1%

PPOP

1,464

1,749

19.5%

611

575 -6.0%

Beban CKPN

(269)

(373)

38.6%

(138)

(141)

2.6%

Pendapatan Non

Operasional

-

7 -

1

6 -

Laba Sebelum Pajak

1,194

1,382

15.8%

474

440 -7.2%

Beban Pajak

(249)

(286)

15.1%

(99)

(91)

-7.8%

(9)

Neraca

Ringkasan Neraca

(Rp miliar)

3Q12

4Q12

1Q13

2Q13

3Q13

YoY

(%)

Kas atau Setara Kas

1,380

1,795

1,570

1,684

1,768

28.1%

Giro Pada Bank

Indonesia

4,279

4,666

3,659

4,127

4,249

-0.7%

Cadangan Sekunder

25,047

24,075

19,887

19,926

19,740

-21.2%

Kredit

–

net

32,142

34,769

37,198

41,046

43,154

34.3%

Pembiayaan Syariah

–

net

2,391

2,880

2,965

3,295

3,626

51.7%

Aktiva Tetap - Net

520

735 1,002

1,010

1,006

93.5%

Aktiva Lain-lain

1,949

1,921

2,126

2,333

2,316

18.8%

Total Aktiva

67,708

70,841

68,407

73,421

75,860

12.0%

Total DPK

52,724

50,608

48,638

55,060

56,560

7.3%

Surat Berharga Yang

Diterbitkan

2,395

2,396

0.1%

Pinjaman Diterima

5,581

8,980

9,036

8,167

8,668

55.3%

Lainnya

1,266

2,849

2,625

1,711

1,792

41.5%

(10)

Detail Kredit (bank)

Total Kredit

Gross

32,790

43,866

33.8

(11)

Kredit Konsumer

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

21,842

27,872

27.6 Ekspansi Neto

(Rp miliar)

2,673

5,246

96.2 Rata-rata

Outstanding Per

Debitur

(Rp juta)

62

81

30.6 Jumlah Debitur

350,347

342,716

-2.2

Tingkat Suku

Bunga

15.00%-18.48% % eff. p.a

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

Dalam Perhatian

Khusus

0.23

0.19 -0.04

Civil Servant Loans (LHS) Pensioner Loans (LHS)

(12)

Kredit Mikro

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

Dalam Perhatian

Khusus

12.7

18.4 +5.7

NPL

4.9

8.8 +3.9

*Kredit Mikro Utama

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

4,117

5,493

33.4 Ekspansi Neto

(Rp miliar)

1,142

948 -17.0

Rata-rata

Outstanding Per

Debitur

(Rp juta)

53

57

7.5 Jumlah Debitur

78,348

96,049

22.6 Tingkat Suku

Bunga*

11.0% - 27.5% eff. p.a.

KMU (LHS) Govt Program (LHS)

(13)

Kredit Komersial

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

5,617

6,995

24.5 Ekspansi Neto

(Rp miliar)

1,215

658 -45.8

Rata-rata

Outstanding Per

Debitur

(Rp juta)

483

707

46.4 Jumlah Debitur

11,633

9,892

-15.0

Tingkat Suku

Bunga

6.3% -14.5% eff. p.a

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

Dalam Perhatian

Khusus

9.2

4.6 -4.6

Working Capital (LHS) Investment (LHS)

(14)

Kredit Pemilikan Rumah (KPR)

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

1,215

3,506

188.7 Ekspansi Neto

(Rp miliar)

762 1,785

134.3 Rata-rata

Outstanding Per

Debitur (Rp juta)

241

279

15.8 Jumlah Debitur

5,040

12,585

149.7 Tingkat Suku

Bunga

7.3% - 13.7% eff. p.a.

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

Dalam Perhatian

Khusus

7.3

8.4 +1.1

(15)

Detail DPK (bank)

(16)

Kualitas Aktiva

Gross NPL Net NPL 593

Credit Provision (LHS) Absolute NPL (LHS)

(17)

Kredit Dalam Perhatian Khusus

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

Mortgage (LHS) % to Loans (RHS)

7 8 9 6 7 _{4 4 5 4 4 4 4 3}

(18)

Non Performing Loans

Consumer Micro Commercial Mortgage

20 19 22 24 24 23 22 22 27 29 30 29 31

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

(19)

Analisa Imbal Hasil

Asset Yield

3Q ‘12

3Q

’13

Placement to Bank

Indonesia

4.0

3.8 Interbank Placement

3.4

2.9 Securities

4.4

5.1 Loans Yield

18.7

16.7 Others

0.1

0.5 Cost of Fund

3Q ‘12

3Q ’13

Interbank Liabilities

3.7

4.5 Securities

11.7

11.4 Deposits From Customers

5.1

4.5 Current Account

2.2

2.3 Time Deposit

6.8

6.6 Savings Account

2.2

1.9 Loans received

0.1 -

Placement to Bank Indonesia

9%

Interbank Placement

3% Marketable

Securities 18% Loans

69% Others

1%

Current Account 28.6%

Savings Account 12.8%

Time Deposit 42.5%

Interbank Lending

12.3% Bonds

(20)

Basis Nasabah

Basis Nasabah Mikro Tumbuh Cepat

Strategi Funding Berhasil Baik

1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8

Government Corporate Retail

86 84 84 83 82 82 82

(21)

Kecukupan Modal

Aktiva

Tertimbang

Menurut Risiko

(ATMR)

3Q

‘1

2 3Q

’1

3 YoY (%)

Total ATMR

25,197

31,594

25.4 Risiko Kredit

19,271

24,336

26.3 Risiko Operasional

5,191

6,254

20.5 Risiko Pasar

735 1,004

36.6 ATMR/Total Aktiva

38.7%

44.1%

+5.4

tier-1

4,726

5,209

10.2 tier -2

(81)

(17)

-78.4

Total Modal

4,645

5,192

11.8 Tier-1 KPMM

18.8%

16.5%

-2.3

Total KPMM

18.4%

16.4%

-2.0

Analisa KPMM

Bobot

Risiko

Penambahan

ATMR/

Rp1tr

Ekspansi

Neto

Dampak

Terhadap

KPMM

(%)

Kredit Konsumer

50%

Rp.500bn

0.26 Kredit Mikro

75%

Rp.750bn

0.38 Kredit Komersial

100%

Rp.1tr

0.50 Kredit KPR

40%

Rp.400bn

0.21

• Total CAR 16.4% (-200bps YoY/ + 8bps QoQ)

• Total Modal Inti Rp5.2tr setelah dikurangi

cadangan pembagian dividen (Kategori Bank

(22)

(23)

Performa Kredit Mikro

• Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ)

• Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ

• Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ)

Pertumbuhan

• NPL 8.8% (+393bps YoY/ +196bps QoQ)

• Nilai NPL Rp 484 miliar (+Rp 283bn YoY/ +Rp 106bn QoQ)

• Kredit Dalam Perhatian Khusus 18.4% (+567bps YoY/ +32bps QoQ)

• Nilai kredit Dalam Perhatian Khusus Rp 1.0 triliun

(24)

Kredit Mikro

*Kredit Mikro Utama

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

4,117

5,493

33.4 Ekspansi Neto

(Rp miliar)

1,142

948 -17.0

Rata-rata

Outstanding Per

Debitur

(Rp juta)

53

57

7.5 Jumlah Debitur

78,348

96,049

22.6 Tingkat Suku

Bunga*

11.0% - 27.5% eff. p.a.

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

(%)

Dalam Perhatian

Khusus

12.7

18.4 +5.7

NPL

4.9

8.8 +3.9

*Kredit Mikro Utama 2.0

(25)

Kredit Mikro Utama

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

2,337

3,560

52.3 Ekspansi Neto

(Rp miliar)

1,134

811 -28.5

Rata-rata

Outstanding Per

Debitur

Dalam Perhatian

Khusus

13.1

20.8 +7.7

(26)

Program Pemerintah

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

1,118

1,245

11.4 Ekspansi Neto

(Rp miliar)

(26)

89

442.3 Rata-rata

Outstanding Per

Debitur

(Rp juta)

75

70 -6.7

Jumlah Debitur

14,941

17,794

19.1 Tingkat Suku

Bunga*

8.3% -14.0% eff. p.a

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

(%)

Dalam Perhatian

Khusus

13.7

15.3 +1.6

NPL

8.4

10.2 +1.8

- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 14% eff. p.a. 0.3

(27)

Kredit Mikro Lainnya

Indikator Utama

3Q

‘1

2 3Q

’1

3 YoY

(%)

Outstanding

662

688

4.0 Ekspansi Neto

(Rp miliar)

34

48

41.2 Rata-rata

Outstanding Per

Debitur (Rp juta)

134

155

15.7 Jumlah Debitur

4,929

4,454

-9.6

Tingkat Suku

Bunga*

10.5% - 18.04% eff. p.a.

Kualitas Kredit

3Q

‘1

2 3Q

’1

3 YoY

(%)

Dalam Perhatian

Khusus

9.7

11.4 +1.7

NPL

2.7

4.2 +1.5

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

0.7 0.7 0.7 0.7 0.7

(28)

Kredit Mikro Dalam Perhatian Khusus

KMU (LHS) Govt Programs (LHS)

Others (LHS) Special Mention Loans (RHS)

84

(29)

Non Performing Loans Kredit Mikro

KMU (LHS) Govt Programs (LHS)

Others (LHS) NPL (RHS)

70

(30)

Proses Bisnis

Marketing

Processing

Collecting

• Marketing

Staff

• Customer

Sales

• Credit Analyst

• Officer

• Branch/Sub

Branch

Manager

• Pick up Staff

• Supervisi Staff

Posisi

Marketing

Customer

Sales

Credit

Analyst

Officer

Branch/Sub

Branch

Manager

Pick-up

Supervisi

Kredit

2Q ‘13

2,125

97

434

36

352

464

248

(31)

Kinerja Bisnis Syariah

(32)

Ringkasan Kinerja

• Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY)

• Biaya Operasional Rp 175.3 miliar (+30.6% YoY)

• Laba Bersih Rp 21.5 miliar (+99.5% YoY)

Laba Rugi

• Total Pembiayaan Rp 3.7 triliun (+52.2% YoY)

• Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY)

• Total Aset Rp 4.6 triliun (+43.3% YoY)

Neraca

• NIM 6.5% (-72bps YoY)

• ROA 0.9% (+24bps YoY)

• ROE 4.7% (+206bps YoY)

• NPF Gross 4.0% (-83bps YoY)

Rasio

(33)

Rasio Penting

Rasio Penting (%)

3Q

‘1

2 3Q

’1

3 YoY

CAR

25.4%

17.9%

-7.5

NPF Gross

4.8%

4.0%

-0.8

NPF Nett

3.4%

1.1%

-2.3

ROA

0.7%

0.9%

+0.2

ROE

2.7%

4.7%

+2.0

NIM

7.2%

6.5%

-0.7

Expense Ratio (BoPo)

90.5%

85.0%

-5.5

(34)

Laporan Laba Rugi

Laporan Laba Rugi (Rp juta)

3Q

‘1

2 3Q

’1

3 YoY

(%)

Pendapatan Marjin

248,142

374,166

50.8 Biaya Marjin

(102,796)

(173,693)

69.0 Marjin Bersih

145,346

200,473

37.9 Pendapatan Operasional Lainnya

3,050

5,871

92.5 Biaya Operasional

(134,245)

(175,315)

30.6 Pendapatan Operasional

14,151

31,029

119.3 Pendapatan Non Operasional (Biaya)

246 (372)

-251.2

Laba Sebelum Pajak

14,397

30,657

112.9 Beban Pajak

(3,599)

(9,114)

153.2

(35)

Neraca

Neraca Keuangan

(Rp juta)

3Q

‘1

2 3Q

’1

3 YoY

(%)

Kas atau Setara Kas

19,681

27,292

38.7 Giro Pada Bank Indonesia

117,016

160,940

37.5 Cadangan Sekunder

608,704

593,264

-2.5

Pembiayaan

–

Net

2,390,849

3,579,668

49.7 Aktiva Tetap

–

Net

16,153

156,582

869.4 Aktiva Lainnya

51,435

74,168

44.2 Total Aktiva

3,203,838

4,591,914

43.3 DPK

2,238,873

3,068,450

37.1 Surat Berharga Diterbitkan

115,000

315,000

173.9 Pinjaman Diterima

168,653

520,066

208.4 Lainnya

52,892

67,413

27.5 Total Kewajiban

2,575,418

3,970,929

54.2

(36)

Kinerja Syariah

Pembiayaan

(Rp juta)

3Q

‘1

2 3Q

’1

3 YoY

(%)

Murabahah – (Trading)

1,118,608

2,140,920

91.4 Ijarah

15,853

7,497

-52.7

Financing

912,290

1,381,162

51.4 Qardh

–

(Bridging)

395,205

190,345

-51.8

Isthisna – (Pawning)

5,874

5,779

-1.6

Total Pembiayaan

2,447,830

3,725,703

52.2 Funding

(Rp juta)

3Q

‘1

2 3Q

’1

3 YoY

(%)

Wadiah Current Account

76,465

104,007

36.0 Mudharabah Current

Account

-

Wadiah Savings Account

68,616

93,006

35.5 Mudharabah Savings

Account

260,992

348,784

33.6 Mudharabah Time Deposit

1,832,800

2,522,653

37.6 Total Funding

2,238,873

3,068,450

37.1

1.4

(37)

Profil Perusahaan

(38)

Kepemilikan

Struktur Kepemilikan

3Q12

3Q13

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

_6,14

_3,97

Lokal Institusi

_12,40

_6,62

Perorangan Asing

_0,03

_0,01

Institusi Asing

_6,44

_14,4

38.26

23.61 5.37

7.76

25

West Java Provincial Government

West Java Municipal Government

Banten Provincial Government

Banten Municipal Government

(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

(40)

Jaringan Kantor

Micro Loans 644.2 bn Profit 423.5 bn 480,317 Customers 8 Branch Offices 42 Sub Branches 26 Cash Offices 12 Payment Point 176 ATM Unit 61 Waroeng bjb 573 Employees

West Java Deposits 35.6 Tr Loans 31.6 Tr Micro Loans 4.4 Tr Profit West Java 2.3 bn, Loss Head Oficce 1.3Tr 2,219,428 Customers 32 Branch Offices 188 Sub Branch 116 Cash Offices 93 Payment Point 707 ATM Unit 337 Waroeng bjb 4,615 Employees Others

Deposits 1.8 Tr Loans 1.8 Tr Micro Loans 274.8 bn Profit 20.1 bn 46,955 Customers 13 Branch Offices 12 Sub Branch Offices 3 Cash Offices 66 ATM Unit 12 Waroeng bjb 346 Employees

Jakarta

(41)

Detail Jaringan Layanan

No

bjb Network

3Q

‘1

2 3Q

’1

3 YoY

1 Cabang

56

62

6

2 Kantor Cabang Pembantu

215

304

89

3 Kantor Kas

114

152

38

4 Payment Point

97

106

9

5 ATM

674 1,052

378

6 Waroeng

bjb

(A,B & C)

437

562

125

7 Layanan bjb Precious

11

11 -

8 MSME Center

6

6 -

9 Mobile Cash

7

11

4

10 Weekend Banking

11

12

1

11 Cabang Devisa

25

47

22

(42)

Sumber Daya Manusia

Posisi

3Q’12 3Q‘13 YoY

Dewan Komisaris

5 5 -

Direksi

4 4 -

Manajemen Puncak

29 34 5

Manajemen Madya

196 209 13

Manajemen Lini Pertama

1,067 1,336 269

Staf

1,951 4,478 2,527

MPP

8 2 -6

Total Permanen

3,260 6,068 2,808

Mikro

2,313 3,189 876

Lain - lain

5,477 2,200 -3,277

Total Non Permanen

7,790 5,389 -2,401

Total

11,050 11,457 407

Up to High School

0.5% Up to

Bachelor Degree

95.3% Masters and Doctorate

4.2% Up to High School Up to Bachelor Degree Masters and Doctorate

18 - 30 78.8%

31 - 40 12.8% 41 - 50

7.4%

> 50 1.0%

18 - 30 31 - 40 41 - 50 > 50

(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

(44)

Penghargaan Tahun 2013

Indonesia Banking Awards – Best Performance Banking 2013 untuk Bank

Kategori BUKU 3 Infobank Awards – Kinerja Keuangan

(45)

Performa Harga Saham

Investor Relations Group

Menara bank

bjb

7

th

_Floor

Jl. Naripan 12 – 14

Bandung 40111

+6222 4234868

ext 7140/7141

ir@bankbjb.co.id

Contact Person:

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

(46)

Menara bank

bjb

Jl. Naripan 12

–

14

7

th

_Floor