Lebih Besar, Lebih Kuat, Lebih Baik
bank
bjb
Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 16
Detail Dana Pihak Ketiga
Pg. 17
Kualitas Aktiva
Pg. 20
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank
bjb
Syariah
Pg. 38
Profil Perusahaan
0
USDIDR 10yr Govt Bonds Yield
0
CPI 1mth JIBOR
60
Consumer Confidence Index
0
GDP Growth BI Rate
Ekonomi Makro
Indeks Kepercayaan Konsumen Terjaga Baik
PDB +6.1% YoY, BI Rate 5.75%
-Total Loans Total Deposit
(10.0)
Investment Loans Working Capital Loans Consumer Loans
Sektor Perbankan
Feb ‘12
Feb
‘13
YoY (%)
Pada bulan
Feb‘13, data
sektor perbankan
menunjukkan:
•
Kredit 23.4%YoY to Rp2,736tr (Kredit Investasi
+25.4% YoY, Kredit Modal Kerja +24.5%, Kredit
Konsumsi+20.2%)
•
Deposit +16.0% YoY to Rp3,207tr (CASA +19.8% YoY,
Time Deposit +11.6% YoY, CASA Ratio 56.3%)
Ringkasan Kinerja
•
Pendapatan Bunga Bersih Rp 1.15 Tr (+37.7% YoY/ +34.7% QoQ)
•
Laba Operasional Sebelum CKPN Rp 562 miliar (+37.4% YoY/ +94.5%
QoQ)
•
Beban CKPN at Rp 94 miliar (+168.0% YoY/ -29.7% QoQ)
•
Laba Bersih at Rp 372 miliar (+37.5% YoY/ +50.0% QoQ)
Laba Rugi
•
Total Kredit at Rp 37.8 Tr (+36.0% YoY/ +6.9% QoQ)
•
Total Pembiayaan Syariah at Rp 3.1 Tr (+70.3% YoY/ +3.7 QoQ)
•
Total DPK Rp 48.9 Tr (-4.6% YoY/ -3.3% QoQ)
•
Total Aset Rp 68.4 Tr (+7.4% YoY/ -3.4% QoQ)
Neraca
•
NIM 8.2% (+160 bps YoY/ +143bps QoQ)
•
ROA (net) 2.4% (+41bps YoY/ +42bps QoQ)
•
ROE (net) 24.2% (+411bps YoY/ +292bps QoQ)
•
NPL Gross 2.1% (+ 91 bps YoY/ +5bps QoQ)
Rasio
Target vs. Realisasi
Target
1Q13
Loans Growth
25% - 28%
36.0
Deposit Growth
18% - 22%
-4.6
ROA (net)
1.8% - 2.0%
2.4
ROE (net)
20% - 22%
24.1
NIM
6.8% - 7.2%
8.2
Cost of Fund
5.0% - 5.5%
4.7
Cost to Income Ratio
51% - 54%
55.2
Gross NPL
1.5% - 2.0%
2.1
Credit Cost
1.0% - 1.4%
1.2
Rasio Keuangan (bank)
Rasio Penting
1Q12
2Q12
3Q12
4Q12
1Q13
Profitabilitas
ROA (net)
2.0
2.1
2.1
1.9
2.4
ROE (net)
20.1
22.6
23.1
21.3
24.1
Rasio Biaya
Cost to Income Ratio
51.5
51.1
52.3
54.4
55.2
BOPO
75.8
75.9
76.8
80.0
74.6
Imbal Hasil
Asset Yield
12.1
12.5
12.5
12.0
12.8
Cost of Fund
5.8
5.5
5.3
5.2
4.6
NIM
6.5
6.9
7.1
6.8
8.2
LDR
56.3
65.5
65.0
74.1
83.2
Kualitas Aset
Dalam Perhatian Khusus
3.1
2.6
3.6
3.0
3.9
Gross NPL
1.2
1.4
1.7
2.1
2.1
Net NPL
0.8
0.6
0.5
0.5
0.7
Coverage Ratio
143.8
121.3
116.4
82.9
78.1
CKPN/Total Kredit
1.7
1.7
2.0
1.7
1.6
Credit Cost
0.5
1.0
1.0
1.2
1.2
Laporan Laba Rugi
(Rp miliar)
1Q12
1Q13
YoY (%)
4Q12
1Q13
QoQ (%)
Pendapatan Bunga
1,598
1,889
18.2
1,704
1,889
10.8
Beban Bunga
(769)
(735)
-4.5
(847)
(735)
-13.3
Pendapatan Bunga
Bersih
838
1,154
37.7
857
1,154
34.7
Fee Based Income
44
64
44.4
70
64
-8.4
Beban Operasional
(474)
(655)
38.2
642
(655)
2.1
Laba (Rugi) dalam
Instrumen Keuangan
1
(1)
-
4
(1)
-113.2
PPOP
409
562
37.4
289
562
94.5
Beban CKPN
(35)
(94)
168
(134)
(94)
-29.7
Pendapatan Non
Operasional
(1)
-
-
163
-
-100.0
Laba Sebelum Pajak
373
468
25.6
318
468
47.1
Beban Pajak
(102)
(96)
-5.8
(71)
(96)
36.5
Laba Bersih
270
372
37.5
248
372
50.0
Neraca
Ringkasan Neraca
(Rp miliar)
1Q12
2Q12
3Q12
4Q12
1Q13
YoY (%)
Kas atau Setara Kas
1,288
1,482
1,380
1,795
1,570
21.9
Giro pada Bank
Indonesia
4,308
4,828
4,279
4,666
3,659
-15.0
Cadangan Sekunder
27,118
19,996
25,047
24,075
19,887
-26.7
Kredit-net
27,339
30,701
32,142
34,769
37,198
36.0
Pembiayaan
Syariah-net
1,764
2,012
2,391
2,880
2,965
68.1
Aktiva Tetap-net
548
550
520
735
1,002
82.9
Aktiva Lain-lain
1,316
1,686
1,949
1,921
2,126
61.6
Total Aktiva
63,680
61,255
67,708
70,841
68,407
7.4
Total DPK
51,276
49,799
52,724
50,608
48,638
-5.1
Surat Berharga
yang Diterbitkan
2,744
2,744
2,395
2,395
2,395
-12.7
Pinjaman Diterima
2,802
2,151
5,581
8,980
9,036
222.5
Lainnya
1,793
1,166
1,266
2,849
2,625
46.4
Total Kewajiban
58,615
55,860
61,966
64,832
62,695
7.0
15.1 15.7 15.4 16.0 16.7
Consumer Micro Commercial Mortgage
Detail Kredit (bank)
Kredit Konsumer
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
19,748
24,504
24.1
Ekspansi Neto
(Rp miliar)
579.2
1,877.6
324.2
Rata-rata
Outstanding per
Debitur
(Rp miliar)
55
71
29.6
Jumlah Debitur
360,062
344,672
-4.3
Tingkat Suku
Bunga
15.00%-18.48% % eff. p.a
Kualitas Kredit
1Q
‘1
2
1Q
’1
3
YoY
Dalam Perhatian
Khusus
0.19
0.27
+0.08
Civil Servant Loans (LHS) Pensioner Loans (LHS)
0.6 0.7
KMU (LHS) Govt Program (LHS)
Others (LHS) NPL (RHS)
Kredit Mikro
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
90.1
523.9
581.7
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46
56
22.4
Jumlah Debitur
66,722
90,128
35.1
Tingkat Suku
Bunga
22% - 27% eff. p.a.
Kualitas Kredit
1Q
‘1
2
1Q
’1
3
YoY
Dalam Perhatian
Khusus
10.8
15.6
+3.1
NPL
3.7
5.7
+1.5
1.9 2.3 2.5
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Kredit Komersial
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
4,343
5,799
33.5
Ekspansi Neto
(Rp miliar)
-59.3
-537.7
907.6
Rata-rata Outstanding per
Debitur
Dalam Perhatian
Khusus
10.1
7.2
-2.9
NPL Kredit Komersial
Debitur
Tanggal Persetujuan
Kredit
Menjadi NPL Outstanding Penyelesaian
PT. Rekapastika Asri 20th April 10 May '12 23,177 Telah dilunasi
Debitur
Tanggal Persetujuan
Kredit
Menjadi NPL Outstanding Usaha Penyelesaian
PT. Pracico Multi Finance 19 Juli 11 Des '12 Penagihan aktif dan pasif serta rencana restrukturisasi setelah upaya merelokasi armada bus kepada user lain
PT. Cipta Inti Parmindo 23 Juni 11 Des ’12 68,369 Upaya hukum dengan Kejagung
PT. Tranka Kabel 24 Sept 08 and
29 Juli 09 Des ’12 58,811 Menunggu keputusan akuisisi usaha ybs oleh investor
CV Mandala Jaya Farm 25 Juli 11 Mei ’12 9,240 Menunggu keputusan akuisisi usaha ybs oleh investor
CV. Pasadena Mandiri Sakti 30 April’08 Jun ’12 7,239 Tahap negosiasi penjualan aset tidak produktif
PT. Karya Putra Pertama 14 Maret 08 Mar '09 3,793 Usaha penjualan agunan
Minaut Lintas Nusantara 4 Agustus 10 Nov '12 3,629 Usaha penjualan agunan
PT. Hokasa Mandiri 9 November 11 Agustus '12 3,490 Usaha penjualan agunan
72 80 78 91
108
140
Mortgage Loans (LHS)
NPL (RHS)
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
663
2,287
244.8
Ekspansi Neto
(Rp miliar)
210.7
566.0
268.6
Rata-rata Outstanding per Debitur
(Rp miliar)
237
269
13.6
Jumlah Debitur
2,798
8,495
203.6
Tingkat Suku Bunga
7.25% - 13.75% eff. p.a.
Kualitas Kredit
1Q
‘1
2
1Q
’1
3
YoY
Dalam Perhatian
Khusus
6.6
9.2
+2.6
NPL
0.2
3.0
+2.8
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 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 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
0 10 20 30 40 50 60
(Rp tr)
Current Account Savings Account Time Deposit
Detail DPK (bank)
Detail DPK
(Rp miliar)
1Q
‘1
2
1Q
’1
3
YoY
(%)
Giro
12,043
15,474
28.5%
Tabungan
5,018
7,149
42.5%
Deposito
32,351
22,620
-30.1%
TOTAL
49,413
45,243
-8.4%
Rasio CASA (%)
34.5%
50.0%
+10.8%
Mata Uang
(Rp miliar)
1Q
‘1
2
1Q
’1
3
YoY
(%)
Rupiah
49,172
44,970
-8.5
Kualitas Aktiva
Gross NPL (%)
(Bank)
Mar
‘1
2
Mar
’1
3
Total Hapus
Buku 1Q12
Credit Provision (LHS) Absolute NPL (LHS)
Coverage Ratio (RHS)
2.0 1.8 1.9 1.8
Kredit Dalam Perhatian Khusus
Consumer Micro Commercial Mortgage
26 25 24 21 33 25 28 19 37 37 51 46 67
Non Performing Loans
Consumer Micro Commercial Mortgage
21 23 20 19 22 24 24 23 22 22 27 29 30
Consumer (LHS) Micro (LHS)
Commercial (LHS) Mortgage (LHS)
Analisa Imbal Hasil
(Rp miliar)
1Q12
1Q13
YoY (%)
Rata-rata Aktiva
Produktif
50,402
54,944
9.0
Imbal Hasil Aktiva
12.1
12.8
+0.7
Rata-rata Liabilitas
Berbiaya Bunga
50,019
54,384
8.7
Cost of Fund
5.5
4.7
-0.8
NIM
6.6
8.2
+1.6
•
NIM 8.2% (+157bpsYoY/ +140bps QoQ)
•
Cost of Fund 4.7% (-84bps YoY/-55bps QoQ)
•
Asset Yield 12.8% (+72bps YoY/ -76bps QoQ)
•
Proporsi kredit terhadap aktiva produktif 65.9%
(+152bps YoY/ +627bps QoQ)
4.0 4.5 5.0 5.5 6.0 6.5 7.0 7.5 8.0 8.5 9.0
0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
(%)
(%)
Basis Nasabah
Basis Nasabah Mikro Tumbuh Cepat
Strategi Funding Berhasil Baik
42 41 40
Government Corporate Retail
89 87 86 84 84 83 82 82 82 80 79 77
Kecukupan Modal
Aktiva
Tertimbang
Menurut Resiko
(ATMR)
1Q
‘1
2
1Q
’1
3
YoY
Total ATMR
22,881
27,527
20.3
Risiko Kredit
17,351
20,738
19.5
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
339
535
57.7
ATMR/Total Aktiva
37.2%
42.8%
+5.6
tier-1
4,522
4,787
5.9
tier -2
(48)
(62)
29.3
Total Modal
4,473
4,725
5.6
Tier-1 KPMM
19.8
17.4%
(2.4)
Total KPMM
19.6
17.2%
(2.4)
Analisa KPMM
Bobot
Resiko
Penambahan
ATMR/
Rp1tr
Ekspansi
Neto
Dampak
Terhadap
KPMM
(%)
Kredit Konsumer
50%
Rp.500bn
0.34
Kredit Mikro
75%
Rp.750bn
0.49
Kredit Komersial
100%
Rp.1tr
0.64
Kredit KPR
40%
Rp.400bn
0.28
•
Total CAR at 16.8% (-280bps YoY/ -128bps QoQ)
•
Total modal inti Rp4.7triliun setelah dikurangi
Sumber Pertumbuhan Baru
Performa Kredit Mikro
•
Kredit mikro berada pada posisi Rp 5.1 tr(+65.4% YoY/ +11.5%
QoQ)
•
Ekspansi net Rp 2.0tr YoY / Rp523.8bn QoQ
•
Kontribusi terhadap total kredit 13.5% (+244bps YoY/ +56bps QoQ)
Pertumbuhan
•
Kredit dalam perhatian khusus 15.6% (+475bps YoY/ +305bps QoQ)
•
Nilai kredit dalam perhatian khusus Rp 790miliar
(+Rp 458miliar YoY/ +Rp220miliar QoQ)
•
NPL 5.7% (+197bps YoY/ +161bps QoQ)
•
Nilai NPL Rp 289.4 miliar (+Rp 174.9miliar YoY/ +
Rp103.3miliar QoQ)
Kredit Mikro
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
3,065
5,069
65.4
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rataOutstanding per Debitur
Dalam Perhatian
Khusus
9.4
12.5
+3.1
NPL
2.6
4.1
+1.5
*Kredit Mikro Utama 1.0
Kredit Mikro Utama
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
1,359
3,229
137.7
Ekspansi Neto
(Rp miliar)
154.7
479.6
310.0
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
12.5
17.6
+5.1
Program Pemerintah
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
1,128
1,200
6.4
Ekspansi Neto
(Rp miliar)
-15.3
44.4
-
Rata-rata
Outstanding per
Debitur
Dalam Perhatian
Khusus
12.6
14.3
+1.7
NPL
5.5
7.3
+1.8
- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a. 0.0 0.1
Kredit Mikro Lainnya
Indikator Utama
1Q
‘1
2
1Q
’1
3
YoY
(%)
Outstanding
579
640
10.6
Ekspansi Neto
(Rp miliar)
-49.4
-0.2
-
Rata-rata Outstanding per Debitur
(Rp miliar)
116
143
23.1
Jumlah Debitur
4,981
4,476
-10.1
Tingkat Suku Bunga
10.5% - 18.04% eff. p.a.
Kualitas Kredit
1Q
‘1
2
1Q
’1
3
YoY
Dalam Perhatian
Khusus
3.5
8.1
+4.6
NPL
3.7
4.7
+1.0
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
0.4
Kredit Mikro Dalam Perhatian Khusus
KMU Govt Programs Others
49 58 91 81 98 105
KMU (LHS) Govt Programs (LHS)
Non Performing Loans Kredit Mikro
KMU Govt Programs Others
24 30 44 39 50
KMU (LHS) Govt Programs (LHS)
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
Kinerja Bisnis Syariah
Ringkasan Kinerja
•
Pendapatan Marjin Bersih Rp 70.2miliar (+58.7% YoY/ +11.3% QoQ)
•
Biaya Operasional Rp70.2miliar (+71.8% YoY/ +6.7% QoQ)
•
Laba Bersih Rp609mn (-79.8% YoY/ -83.4% QoQ)
Laba Rugi
•
Total Pembiayaan Rp3.1tr (+70.3% YoY/ +3.7% QoQ)
•
Total Dana Pihak Ketiga Rp3.6tr (+80.7% YoY/ +6.4% QoQ)
•
Total Aset Rp4.5tr (+68.9% YoY/ +5.9% QoQ)
Neraca
•
NIM 7.0% (-220bps YoY/ -40bps QoQ)
•
ROA 0.1% (-80bps YoY/ -57bps QoQ)
•
ROE 0.4% (-200bps YoY/ -220bps QoQ)
•
NPF 4.4% (+300bps YoY/ +40bps QoQ)
Rasio Penting
Rasio Penting (%)
1Q
‘1
2
1Q
’1
3
YoY
CAR
29.7
21.4
-8.3
Gross NPF
1.4
4.4
+3.0
Net NPF
0.4
3.2
+2.8
ROA
0.9
0.1
-0.8
ROE
2.4
0.4
-2.0
NIM
9.2
7.0
-2.2
BOPO
90.3
98.4
+8.1
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta)
1Q
‘1
2
1Q
’1
3
YoY (%)
Pendapatan Marjin
77,898
121,673
56.2
Biaya Marjin
(33,657)
(51,474)
52.9
Marjin Bersih
44,241
70,199
58.7
Pendapatan Operasional Lainnya
1,025
1,200
17.1
Biaya Operasional
(40,864)
(70,219)
71.8
Pendapatan Operasional
4,402
1,180
(73.2)
Pendapatan Non Operasional (Biaya)
320
17
(94.7)
Laba Sebelum Pajak
4,722
1,197
(74.7)
Beban Pajak
(1,703)
(588)
(65.5)
Neraca Keuangan
(Rp juta)
1Q
‘1
2
1Q
’1
3
YoY (%)
Kas atau Setara Kas
13,103
29,066
121.8
Giro Pada Bank Indonesia
97,712
162,282
66.1
Cadangan Sekunder
750,394
1,174,779
56.6
Pembiayaan
–
Net
1,763,961
2,964,927
68.1
Aktiva Tetap
–
Net
7,584
149,829
-
Aktiva Lain-lain
47,945
45,897
-4.3
Total Aktiva
2,680,699
4,526,780
68.9
DPK
1,980,995
3,580,309
80.7
Pinjaman yang Diterima
87,000
220,000
152.9
Lainnya
40,092
31,095
-22.4
Total Kewajiban
53,971
62,672
16.1
Total Ekuitas
2,162,058
3,894,076
80.1
Neraca Keuangan
(Rp juta)
518,641
632,704
22
Kinerja Syariah
Pembiayaan Syariah
1Q
‘1
2
1Q
’1
3
YoY
(%)
Murabahah
–
(Trading)
869,959
1,607,216
84.7
Ijarah
47,928
11,718
-75.5
Pembiayaan
469,491
364,617
-22.3
Qardh
–
(Bridging)
407,254
1,077,863
164.7
Isthisna
–
(Pawning)
6,527
6,661
2.0
Total Pembiayaan
1,801,159
3,068,075
70.3
DPK
1Q
‘1
2
1Q
’1
3
YoY
(%)
Giro Wadiah
66,148
80,887
22.3
Giro Mudharabah
-
-
-
Tabungan Wadiah
55,741
84,396
51.4
Tabungan Mudharabah
197,163
295,775
50.0
Deposito Mudharabah
1,661,943
3,119,251
87.7
Total DPK
1,980,995
3,580,309
80.7
Profil Perusahaan
Kepemilikan
Struktur Kepemilikan
1Q12
1Q13
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
7.3
4.4
Lokal Institusi
11.8
11.1
Perorangan Asing
0.0
0.0
Institusi Asing
5.9
9.5
38.26
23.61 5.37
7.76
25
West Java Provincial Government
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
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
Business and Strategic Alliances
Sustainable Profit
and Growth
SME /
Treasury and
International
Subsidiary
Companies
oDeepening Our Presence on West Java and Banten Area
oDeveloping Waroeng BJB oMSME Financial
Intitution Strategic Alliances and Acquisition
oImproving Loans Process
oRisk
Management and Debtor Rating System
oStrengthening Our 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.
o Strategic Alliances with coresponden Bank Remittance Agencies
oAcquisition of Insurance and Securities Companies to Provide All-in-One Banking Services
Risk Management
and Compliance
Improving HR Competencies
Through Extensive Training
Program & Professional Hire
Program
Developing IT
Infrastructure and
e-banking Services
Network Expansion
and Services
Improvement
Enhance
Communication
with Investors
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 30.8 Tr Loans 27.6 Tr
Profit West Java 740bn, Loss Loss Head Oficce 432 bn
1,730,600 Customers 32 Branch Offices 189 Sub Branch 106 Cash Offices 90 Payment Poin 669 ATM Unit 329 Waroeng bjb 4,148 Employees
Others
Deposits 1.4 Tr Loans 1.2 bn Profit 2.8 bn 34,133 Customers 13 Branch Offices 13 Sub Branch Offices 330 Employees
Jakarta
Deposits 5.2 Tr Loans 3.5 Tr Profit 5.8 bn 371,030 Customers
9 Branch Offices 58Sub Branches 7 Cash Offices 1 Payment Point 92 ATM Unit 43 Waroeng bjb 481 Employees
Total bjb employees 5,529
Total bjb customers 2,180,666
Expansion Plan
Nov
bjb Network
31-Mar-12
31-Mar-13
YoY
1
Branch
55
62
7
2
Sub Branch
213
304
91
3
Cash Offices
64
140
76
4
Payment Point
94
103
9
5
ATM
559
934
375
6
Waroeng bjb (A,B & C)
0
437
437
Type A
0
47
47
Type B
0
183
183
Type C/Functional Office
0
207
207
7
Priority Banking Services
4
11
7
8
Sentra UMKM
6
6
0
9
Weekend banking
9
12
3
10
foreign branches
23
33
10
11
Car Education
7
11
4
Total
1,034
2,490
1,456
Sumber Daya Manusia
Berdasarkan Pendidikan
Berdasarkan Umur
Posisi
Mar ’12
Mar ‘13
YoY
Dewan Komisaris
5
5
-
Direksi
5
5
-
Manajemen Puncak
25
31
6
Manajemen Madya
171
207
36
Manajemen Lini Pertama
942
1,296
354
Staf
1,352
3,989
2,637
MPP
7
6
-1
Total Permanent
2,507
5,539
3,032
Micro
1,529
3,105
1,576
Lain - lain
3,689
3,944
255
Total Non Permanent
5,218
7,049
1,831
Total
7,725
12,588
4,861
4.9
94.4
0.8
Up to High School Up to Bachelor Degree Masters and Doctorate
75.0
14.7 1.1
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
Profil Resiko
Jenis Resiko
Profil Resiko Inherent
Kualitas Manajemen Resiko
Profil Resiko
Kredit
Rendah ke Sedang
Kuat
Rendah
Pasar
Rendah
Kuat
Rendah
Likuiditas
Sedang
Kuat
Rendah ke Sedang
Operasional
Rendah ke Sedang
Memuaskan
Rendah ke Sedang
Hukum
Rendah ke Sedang
Memuaskan
Rendah ke Sedang
Reputasi
Rendah
Memuaskan
Rendah
Strategis
Rendah
Kuat
Rendah
Kepatuhan
Rendah
Kuat
Rendah
0
Volume (RHS) Price (LHS)
