3Q2012 Bahasa Final

(1)

Lebih Besar, Lebih Kuat, Lebih Baik

bank

bjb

(2)

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

(3)

0

GDP Growth BI Rate

60

Consumer Confidence Index

Ekonomi Makro

Indeks Kepercayaan Kembali Menguat

BI Mempertahankan Tingkat BI Pada 5.75%

5

USDIDR 10yr Govt Bond

0

1mth JIBOR CPI

(4)

Sektor Perbankan

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%

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%

(5)

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 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

(6)

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

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

(7)

Rasio 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 Biaya

Cost 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

(8)

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

(9)

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

(10)

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

(11)

2.5

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

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

(12)

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

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

(13)

1.1

Kredit Mikro Utama Government Program

KCR NPL (RHS)

Kredit Mikro

Outstanding 2,920 4,117 41,0%

(0.4) 182

-Rata-rata Outstanding per

Debitur (Rp miliar)

44.9 52.5 16,9%

Jumlah Debitur 64.966 78.348 20,6%

Tingkat Suku Bunga 22% - 27% eff. p.a.

Dalam Perhatian

Khusus 8.5 12.7 +4.2

NPL 5.1 4.9 -0.2

(14)

Kredit Komersial

Outstanding 4,559 5,617 23,2%

107.5 34.5 -67,9%

Rata-rata Outstanding per

Debitur (Rp miliar)

363 483 33,0%

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

Dalam Perhatian

(15)

Outstanding 195 1,214 522,4%

15 106 610,8%

Rata-rata Outstanding per Debitur

(Rp miliar)

177 241 36,3%

Kredit Pemilikan Rumah (KPR)

663

Mortgage Loans (LHS) NPL (RHS)

Jumlah Debitur 1,104 5,040 356,5%

Tingkat Suku Bunga 8.75% - 13.75% eff. p.a.

Dalam Perhatian

Khusus 7,7 7,3 -0,4

(16)

4.4

11.7 15.7

25.0

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

Rasio CASA (%) 39.1 43.5

Mata Uang

(Rp miliar) 3Q11 3Q12

YoY (%)

Rupiah 38,246 50,277 31.4

(17)

527

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

Gross NPL Net NPL

(18)

Kredit Dalam Perhatian Khusus

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

Mortgage (LHS) % to Loans (RHS)

51

(19)

Non Performing Loans

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

81 78 79 79 78

299 313 320 409

455 495

211 ₁₉₆

(20)

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

(21)

11 ₁₂

Basis Nasabah

Growing Micro Loans Customer Based Relatively Stable Funding Mix QoQ

42 ₄₂

Government Corporate Retail

(22)

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

(23)

Pendorong Pertumbuhan Baru

(24)

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)

(25)

1.1

Kredit Mikro Utama Government Program

KCR NPL (RHS)

Kredit Mikro

Outstanding 2,920 4,117 41,0%

(0.4) 182

-Rata-rata Outstanding per

Debitur (Rp miliar)

44.9 52.5 16,9%

Jumlah Debitur 64.966 78.348 20,6%

Dalam Perhatian

Khusus 8.5 12.7 +4.2

NPL 5.1 4.9 -0.2

(26)

Kredit Mikro Utama

Outstanding 1,157 2,337 102,1%

6 160 2800,4%

(Rp miliar)

25,3 40,0 57,9%

Kredit Mikro Utama (LHS) NPL (RHS)

Jumlah Debitur 45.685 58.478 28,0%

Dalam Perhatian

(27)

691.4

Government Program (LHS) NPL (RHS)

Government Program

Indikator Utama 3Q11 3Q12 YoY

(%)

Outstanding 1,100 1.118 1,7%

9.2 15.6 68,9%

(Rp miliar)

81,1 74,8 -7,7%

Jumlah Debitur 13.558 14.941 10,2%

Tingkat Suku Bunga 8.3% - 13% eff. p.a.

Dalam Perhatian

Khusus 8.7 13.7 +5, 7

NPL 3.1 8.4 +5, 3

(28)

454.4

Others Micro Loans(LHS) NPL (RHS)

Other Micro Loans

*)

Outstanding 664 662 -0.3

(15,2) 6.4 57.8

(Rp miliar)

116 134 15.5

Jumlah Debitur 5,723 4,929 -13.8

Tingkat Suku Bunga 5% - 19.57% eff. p.a.

Dalam Perhatian

Khusus 3,4 9,7 +6,3

NPL 6,9 2,7 -4,2

(29)

Kredit Mikro Dalam Perhatian Khusus

KMU (LHS) Govt Program (LHS) Others (LHS)

152.8

KMU (LHS) Govt Program (LHS)

Others (LHS) Special Mention Loans (RHS)

(30)

Non Performing Loans Kredit Mikro

KMU (LHS) Govt Program (LHS) Others (LHS)

18.0

KMU (LHS) Govt Program (LHS)

Others (LHS) NPL (RHS)

(31)

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

t

(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

f

A

c

o

u

n

(32)

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

(33)

Kinerja Bisnis Syariah

(34)

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 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

(35)

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

(36)

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

(37)

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

(38)

1.6 1.6 _1.5 1.6

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

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

(39)

Profil Perusahaan

(40)

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

(41)

Road Map

2011-2012

2013-2014

2015

Building/Establishment

New Infrastructures

Strategy _Strategy

Leading 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`

(42)

Business and Strategic Alliances

Sustainable Profit

and Growth

SME /

Micro

Financing

Institutional & Commercial

Banking

Consumer Loans

Consumer Deposit

Treasury and International

Subsidiary Companies

oDeepening Our

Presence 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

(43)

Pengukuran Profil Risiko Kantor Cabang

Branches Risk Credit Risk

Market Risk Compliance

Risk

Kedepan, 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

(44)

Jaringan Layanan

Jaringan Layanan bankbjb

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

Waroengbjb 0 436 437 448 437

Mobile Cash 7 7 7 4 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

(45)

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

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Kinerja Harga Saham

Grup Hubungan Investor Menara bank bjb 7th_Floor

Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868

ext 7140/7141

ir@bankbjb.co.id

Contact Person: Hanel Topada Pemimpin Bagian 1000

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

(47)

Menara bank bjb