Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 1Q13 Analyst Meeting

(1)

Lebih Besar, Lebih Kuat, Lebih Baik bank bjb

1Q13 Analyst Meeting

(2)

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

Daftar Isi

(3)

0 5 10 15 20 25

6000 7000 8000 9000 10000 11000 12000 13000

Yield (%)

USDIDR

USDIDR 10yr Govt Bonds Yield

0 2 4 6 8 10 12 14 16 18

(%)

CPI 1mth JIBOR

60 70 80 90 100 110 120 130

Index (points)

Consumer Confidence Index

0 2 4 6 8 10 12 14

(%)

GDP Growth BI Rate

Ekonomi Makro

Indeks Kepercayaan Konsumen Terjaga Baik PDB +6.1% YoY, BI Rate 5.75%

Pelemahan Rupiah, Koreksi Harga Obligasi

Inflasi Naik Akibat Kenaikan Harga Pangan

(4)

- 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 45.0

YoY Growth (%)

Total Loans Total Deposit

(10.0) - 10.0 20.0 30.0 40.0 50.0 60.0

YoY Growth (%)

Investment Loans Working Capital Loans Consumer Loans

Sektor Perbankan

Feb ‘12 Feb ‘13 YoY (%)

Total Kredit

2,217

2,736 23.4

Total DPK 2,763 3,207 16.0

LDR 80.2 85.3 +5.1

NPL 2.3 2.0 -0.3

ROA 3.6 3.0 -0.6

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%)

• NPL -30bps YoY to 2.0%

• ROA -69bps YoY to 3.0%

(5)

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 Keuangan

(bank)

(6)

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

CASA Ratio 40% - 45% 50.0

(7)

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

Permodalan

(8)

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

Laporan Laba Rugi

(9)

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

Total Ekuitas 5,065 5,395 5,742 6,009 5,713 12.8

(10)

15.1 15.7 15.4 16.0 16.7 18.0 18.5 19.2 19.7 21.4 21.8 22.6 24.5 1.0 1.3 2.0 2.4 2.5

2.7 2.9 3.0 3.1

3.6 4.1 4.5 5.1

2.9 3.3 3.5

3.7 3.7

4.2 4.6 4.4 4.3

5.3 5.6 6.3

5.8

0.1

0.1 0.1 0.1

0.1 0.1

0.2 0.5 0.7

0.9 1.2 1.7

2.3

0 5 10 15 20 25 30 35 40

(Rp tr)

Consumer Micro Commercial Mortgage

Detail Kredit (bank)

Segmen

(Rp miliar)

1Q ‘12 1Q ’13 YoY

(%)

Konsumer

19,748 24,504 24.1%

Mikro

3,065 5,069 65.4%

Komersial

4,343 5,799 33.5%

KPR

663 2,287 244.8%

Total Kredit Gross

27,819 37,659 35.4%

Mata Uang

(Rp miliar)

1Q ‘12 1Q ’13 YoY

(%)

Rupiah

27,565 37,431 35.8

Valas

254 228 -10.2

(11)

Kredit Konsumer

Indikator Utama 1Q ‘12 1Q ’13 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 ‘12 1Q ’13 YoY

Dalam Perhatian

Khusus 0.19 0.27 +0.08

NPL 0.11 0.12 +0.01

14.6 15.3 14.92 15.5 16.3 17.5 18.0 18.6 19.2 20.8 21.2 21.8 23.4 0.45 0.45 0.43 0.44 0.45

0.47 0.50 0.54 0.56

0.60 0.63 0.80 1.11

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

(%)(Rp tr)

Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS)

(12)

0.6 0.7 1.0

1.0 1.0 1.1 1.2 1.2 1.4 1.9

2.3 2.7

3.2

0.1

0.3 0.7 0.9

1.0 1.1 1.1 1.1

1.1 1.1

1.2 1.2

0.4 0.5

0.7

0.7 0.7

0.7 0.7 0.6 0.6 0.6

0.7 0.6

0.6

0.0 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0

- 1.0 2.0 3.0 4.0 5.0 6.0

(%)(Rp tr)

KMU (LHS) Govt Program (LHS)

Others (LHS) NPL (RHS)

Kredit Mikro

Indikator Utama 1Q ‘12 1Q ’13 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 ‘12 1Q ’13 YoY

Dalam Perhatian

Khusus 10.8 15.6 +3.1

NPL 3.7 5.7 +1.5

*Kredit Mikro Utama

(13)

1.9 2.3 2.5 2.6 2.6 3.0 3.3 3.2 3.0

3.9 4.3 4.5 3.9 0.5

0.5 0.5 0.6 0.6 0.6

0.6 0.6

0.6 0.5

0.6 1.0

1.2

0.5

0.5 0.5 0.5 0.5 0.6

0.6 0.6

0.8 0.8

0.7 0.8

0.8

- 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

(%)(Rp tr)

Working Capital (LHS) Investment (LHS)

Syndicated (LHS) NPL (RHS)

Kredit Komersial

Indikator Utama

1Q ‘12 1Q ’13 YoY

(%)

Outstanding

4,343 5,799 33.5

Ekspansi Neto

(Rp miliar)

-59.3 -537.7 907.6

Rata-rata Outstanding per

Debitur (Rp miliar)

449 631 40.6

Jumlah Debitur

9,677 9,189 -5.0

Tingkat Suku Bunga

6.3% -14.5% eff. p.a

Kualitas Kredit

1Q ‘12 1Q ’13 YoY

Dalam Perhatian

Khusus

10.1 7.2 -2.9

NPL

4.5 7.0 +2.5

(14)

NPL Kredit Komersial

Debitur

Tanggal Persetujuan

Kredit

Menjadi NPL Outstanding Penyelesaian

PT. Rekapastika Asri 20^th 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

Total 226,641

(15)

72 80 78 91 108 140 195 453

663 941

1,215 1,721

2,287

- 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

(Rp bn)

Mortgage Loans (LHS) NPL (RHS)

Indikator Utama

1Q ‘12 1Q ’13 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 ‘12 1Q ’13 YoY

Dalam Perhatian

Khusus

6.6 9.2 +2.6

NPL

0.2 3.0 +2.8

Kredit Pemilikan Rumah (KPR)

(16)

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 ‘12 1Q ’13 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 ‘12 1Q ’13 YoY

(%)

Rupiah

49,172 44,970 -8.5

Valas

241 273 13.3

(17)

Kualitas Aktiva

Gross NPL (%)

(Bank)

Mar‘12 Mar ’13

Total Hapus Buku 1Q12

(Rp miliar)

Konsumer

0.11 0.12 1.9

Mikro

3.7 5.7 59.9

Komersial

4.5 7.0 53.2

KPR

0.2 3.0 -

Total

1.2 2.1 115.0

551 527

593 575

701 699 754

508 480

534 648

603 621

373 368

403 406 516

587 679

324 334 441

557 728

796

0 20 40 60 80 100 120 140 160 180

- 100 200 300 400 500 600 700 800 900

Coverage Ratio (%)

(Rp bn)

Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS)

2.0 1.8 1.9 1.8

2.2 2.3 2.6

1.2 1.2 1.4 1.7

2.1 2.1

0.4

0.2 0.2 0.3 0.5 0.7 0.8 0.4

0.2 0.6 0.5 0.5 0.7 -

0.5 1.0 1.5 2.0 2.5 3.0

(%)

Gross NPL Net NPL

(18)

Kredit Dalam Perhatian Khusus

13 12

7 8 9 6 7 4 4 5 4 4 4 32 33

34 37 42 47 61

52

39 43 44

54 53 51 51 56 54 46 46

28 42

51 45 44 32

28 4 4 3 1 2 2

4 2

5 7 7 9 14

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Special Mention Contribution (%)

26 25 24 21 33 25 28 19 37 37 51 46 67 67 68 109 95 147 195 247 278 332 344

524 570 790

105 103 182

138 159

190 113 224

438 365

516 339

420

8 8 8

3 7

7 15 9

44 60

88 96

210

- 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

Special Mention Loans (%)

Absolute Special Mention Loans (Rp bn)

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

Mortgage (LHS) % to Loans (RHS)

(19)

Non Performing Loans

6 6 5 5 4 4 3 7 7 5 5 4 4 9 11 15 14 15 17 22

24 34

31 36 26

36 84 81 78 79 79 78 73 65

59

63 53 64

51 2 2 2 2 2 2 2

4 0 1 6 7 9

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

NPL Contribution (%)

21 23 20 19 22 24 24 23 22 22 27 29 30 34 39 62 58 75 98

149

78 114 137 201 186

289 312 299 313 320

409 455

495

211 196

277 297

464 408

6 7 8 9

10 10

11

12 2 5

32 48

68

- 0.5 1.0 1.5 2.0 2.5 3.0

- 100 200 300 400 500 600 700 800 900

NPL (%)

Absolute NPL (Rp bn)

Consumer (LHS) Micro (LHS)

Commercial (LHS) Mortgage (LHS)

% to Loans (RHS)

(20)

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

(%)

Asset Yield (LHS) CoF (RHS) NIM (RHS)

(21)

Basis Nasabah

Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik

42 41 40

24 58

48 45

25 40

47 49

26 52 39 42 42

54 26

34 37

50 41

34 32

49 26 19 17 18

22 16 19 18

25 19 19 19

24 22

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Funding Proportion (%)

Government Corporate Retail

89 87 86 84 84 83 82 82 82 80 79 77 76 10 11 12

12 13 14 15 15 15

16 18 19 20 1 1 2 3 3 3 3 2 2 3 3 2 2 0 0 0 0 0 0 0 0 1 1 1 1 2

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Lending Proportion (%)

(22)

Kecukupan Modal

Aktiva Tertimbang Menurut Resiko

(ATMR)

1Q ‘12 1Q ’13 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

cadangan pembagian dividen

(23)

Sumber Pertumbuhan Baru

Kredit Mikro

(24)

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)

• Total Hapus Buku Rp 242 miliar selama 1 tahun terakhir

Kualitas

(25)

Kredit Mikro

Indikator Utama

1Q ‘12 1Q ’13 YoY

(%)

Outstanding

3,065 5,069 65.4

Ekspansi Neto

(Rp miliar)

154.7 479.6 310.0

Rata-rata Outstanding per

Debitur (Rp miliar)

46 56 22.4

Jumlah Debitur

66,722 90,128 28.5

Tingkat Suku Bunga

22% - 27% eff. p.a.

Kualitas Kredit

FY11 FY12 YoY

Dalam Perhatian

Khusus 9.4 12.5

+3.1

NPL 2.6 4.1

+1.5

*Kredit Mikro Utama 1.0

1.3 2.0

2.4 2.5

2.7 2.9 3.0 3.1 3.6

4.1 4.5

5.1

3.3 3.0 3.0 2.4

3.0 3.6

5.1

2.6

3.7 3.8 4.9

4.1 5.7

0.0 2.0 4.0 6.0 8.0 10.0 12.0

- 1.0 2.0 3.0 4.0 5.0 6.0

(%)(Rp tr)

Total Micro Loans NPL

(26)

Kredit Mikro Utama

Indikator Utama 1Q ‘12 1Q ’13 YoY (%)

Outstanding 1,359 3,229 137.7

Ekspansi Neto

(Rp miliar) 154.7 479.6 310.0

Rata-rata Outstanding per

Debitur (Rp miliar)

29 47 64.2

Jumlah Debitur 47,287 68,439 44.7

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

Kualitas Kredit 1Q ‘12 1Q ’13 YoY

Dalam Perhatian

Khusus 12.5 17.6 +5.1

NPL 2.3 5.3 +3.0

0.6 0.7

1.0 1.0 1.0 1.1 1.2 1.2 1.4

1.9 2.3

2.7 3.2

3.7 4.1 4.2 3.9

4.9 5.4

5.9

2.3 2.3 2.5

3.8 3.7 5.3

0.0 2.0 4.0 6.0 8.0 10.0 12.0

- 0.5 1.0 1.5 2.0 2.5 3.0 3.5

(%)(Rp tr)

Kredit Mikro Utama (LHS) NPL (RHS)

(27)

Program Pemerintah

Indikator Utama 1Q ‘12 1Q ’13 YoY (%)

Outstanding 1,128 1,200 6.4

Ekspansi Neto

(Rp miliar) -15.3 44.4 -

Rata-rata Outstanding per

Debitur (Rp miliar)

78 70 -10.7

Jumlah Debitur 14,454 17,213 19.1 Tingkat Suku Bunga 8.3% -14.0% eff. p.a

Kualitas Kredit 1Q ‘12 1Q ’13 YoY

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 0.3

0.7 0.9

1.0

1.1 1.1 1.1 1.1 1.1 1.2

1.2

0.0 0.4 1.3

3.1 2.7

5.5 6.0

8.4

5.9 7.3

0 2 4 6 8 10 12

- 0.2 0.4 0.6 0.8 1.0 1.2 1.4

(%)(Rp tr)

Government Program (LHS) NPL (RHS)

(28)

Kredit Mikro Lainnya

Indikator Utama

1Q ‘12 1Q ’13 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 ‘12 1Q ’13 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 0.5

0.7 0.7 0.7 0.7 0.7

0.6 0.6

0.6 0.7

0.6 0.6

2.5 2.1

2.8 2.8 3.5

3.9 6.9

3.1

3.7 3.8

2.7 2.7 4.7

- 2.0 4.0 6.0 8.0 10.0 12.0

- 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8

(%)(Rp tr)

Others Micro Loans(LHS) NPL (RHS)

(29)

Kredit Mikro Dalam Perhatian Khusus

74 85 84 86 67

54 52 49 51

56 59 65

72 3

6

21

33 39 39

43 37 29

25 22 26

15 13

8 13 14 9 11 6 6

12 10 7

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Special Mention Contribution (%)

KMU Govt Programs Others

49 58 91 81 98 105 129 138 169 195 307

372 566.7

- -

3 6 31 64

96 110

142 128 153

140 171.7

17 11

15 8 18

27

22 31

20 22 64

58 51.6

6.5

5.3 5.3 4.0

5.8 7.1

8.5 9.4

10.8 9.5

12.7 12.5 15.6

0 2 4 6 8 10 12 14 16 18

- 100 200 300 400 500 600 700 800 900

(%)

Absolute Special Mention Loans (Rp bn)

KMU (LHS) Govt Programs (LHS)

Others (LHS) Special Mention Loans (RHS)

(30)

Non Performing Loans Kredit Mikro

72 76

70 67

66 59 46

35 27 34

44

54 59 -

- -

0 4 14

23

40 54 49

47

37 30 28 24

30

33 30 27

31 25

19 17

9 9 10

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

NPL Contribution (%)

KMU Govt Programs Others

24 30 44 39 50 58 69

28 31 47

89 101 171.4

- - - 0 3 13

35

31 62

67

94 68 88.0

9 9

18 19 23 27

46

20 22

24 18

17 30.0

3.3

3.0 3.0

2.4 3.0

3.6 5.1

2.6

3.7 3.8 4.9

4.1 5.7

0 1 2 3 4 5 6

- 50 100 150 200 250 300 350

(%)

Absolute NPL (Rp bn)

KMU (LHS) Govt Programs (LHS)

Others (LHS) NPL (RHS)

(31)

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

•Supervision

Staff

(32)

Kinerja Bisnis Syariah

1Q13 bank bjb Syariah

(33)

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 (bank bjb

Syariah)

(34)

Rasio Penting

Rasio Penting (%) 1Q ‘12 1Q ’13 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

FDR 90.9 85.7 -5.2

(35)

Laporan Laba Rugi

Laporan Laba Rugi (Rp juta) 1Q ‘12 1Q ’13 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)

Laba Bersih 3,019 609 (79.8)

(36)

Neraca Keuangan

(Rp juta) 1Q ‘12 1Q ’13 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

Neraca

(37)

Kinerja Syariah

Pembiayaan Syariah 1Q ‘12 1Q ’13 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 ‘12 1Q ’13 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

1.01

1.40

1.60 1.60 1.56 1.64

1.77 1.80 2.06

2.45

2.96 3.07

0.83 1.06

1.32 1.15

1.39 1.70

2.22 1.98

2.25 2.37 3.36

3.58

- 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00

(Rp tr)

Total Financing Total Funding

(38)

Profil Perusahaan

bank bjb

(39)

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 Public (B Series)

(40)

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

A Strong Sustainable Growth and Profitable National Bank

(41)

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 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

Support Strategy

(42)

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 +3 Branch Offices (Malang,Yogyakarta

& Purwokerto) +99 Sub Branches +472 Cash Offices +27 Payment Points +526 ATM Units

(43)

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

Detail Jaringan Layanan

(44)

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

<30 31 - 40 41 - 55

(45)

Penghargaan Tahun 2012

Mark Plus Conference:

Indonesia Marketing Annual Report Award 2012 Infobank Awards 2012

The 4^th 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

“CEO of The Year”

(46)

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

Indeks Komposit Rendah

(47)

0 20 40 60 80 100 120

600 700 800 900 1000 1100 1200 1300 1400

Million Shares

Rp/share

Volume (RHS) Price (LHS)

Performa Harga Saham

Grup Hubungan Investor Menara bank bjb

7

^th

Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868

ext 7140/7141

[email protected]

Contact Person:

Hanel Topada

Pemimpin Grup

[email protected]

Irwan Riswandi

Manajer Senior

[email protected]

Ari Budiman

Manajer

[email protected]

(48)

Menara bank bjb Jl. Naripan 12 – 14 7^th Floor

Bandung 40111