Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
Kinerja Perusahaan per 30 Juni 2016
Hal. 3
Ekonomi Makro
Hal. 4
Sektor Perbankan
Hal. 5
Ringkasan Kinerja
Hal. 6
Target dan Pencapaian
Hal. 7
Rasio - Rasio Keuangan
Hal. 8
Laporan Laba Rugi
Hal. 9
Neraca
Hal. 10
Breakdown Kredit
Hal. 15
Breakdown Dana Pihak Ketiga
Hal. 18
Analisis Imbal Hasil
Hal. 19
Kecukupan Modal
Hal. 20
Kinerja Kredit Konsumer (Detail)
Hal. 23
Kinerja Anak Perusahaan
Hal. 29
Profil Perusahaan
Source: Bloomberg Source: Bloomberg
Indeks Kepercayaan Konsumen Meningkat
Ekonomi Makro
BI Rate Turun Ke Level 6.5%
Rupiah Menguat Terhadap Dollar di Bulan Juni Tingkat Inflasi Mencapai 3.45% YoY di Bulan Juni
0 2 4 6 8 10 (% ) GDP Growth BI Rate 0 2 4 6 8 10 (% ) CPI 1M JIBOR 0 2 4 6 8 10 12 6000 8000 10000 12000 14000 Yi el d (% ) US D ID R USDIDR 10Yr Govt Bond 0 20 40 60 80 100 120 140 In de x (p oi nt s)
Sektor Perbankan
Mei ’15 Mei’16 YoY (%)
Total Kredit 3,757 4,070 +8.33 Total DPK 4,232 4,508 +6.52 LDR 88.72 90.32 +1.6 NPL 2.58 3.11 +0.53 ROA 2.45 2.34 -0.11 NIM 5.33 5.6 +0.27 -5 10 15 20 25 30 35 40
Investment Loans WC Loans Consumer Loans -5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 Yo Y Gr ow th ( % ) Loans Growth Deposit Growth
Source: SPI May 2016
Source: SPI May 2016
Per Mei 16, kinerja sektor perbankan adalah sbb :
• Total Kredit +8.33%YoY menjadi Rp34,070 tr (Kredit Investasi +11.20% YoY, Kredit Modal Kerja +6.38% YoY, Kredit Konsumer +9.10% YoY)
• Dana Pihak Ketiga +6,52% YoY menjadi Rp 4,508 tr (CASA +2.08% YoY, Deposito Berjangka +1.98% YoY, Rasio CASA 53.39%)
•NPL +0.53% YoY menjadi 3.11% • ROA -0.11% YoY menjadi 2.34 %
Ringkasan Kinerja
• Pendapatan Bunga Bersih Rp 2.7 T (+26.9% YoY/ +10.8% QoQ) • Laba Operasional Sebelum CKPN Rp 1.2 T (+40.3% YoY/+6.7% QoQ) • Beban CKPN Rp 38 M (-65.3% YoY/ +14.7% QoQ)
• Laba Bersih Rp 905 M (+56.3% YoY/ +6.69% QoQ)
Laporan Laba
Rugi
• Total Kredit Rp 60.1 T (+15.2% YoY/ +8.90% QoQ) • Total DPK Rp 68.3 T (-11.8% YoY/ -8.4% QoQ) • Total Aset Rp 90.9 T (+1.0% YoY/ +1.4% QoQ)
Neraca
• NIM 7.2% (+117bps YoY/ +27bps QoQ) • ROA (Net) 2.1% (+68bps YoY/ +5bps QoQ) • ROE (Net) 22.5% (+604bps YoY/ +51bps QoQ) • NPL (Gross) 2.0% (-163bps YoY/ -82bps QoQ)
Rasio
Keuangan
Target dan Pencapaian
(%) Target 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16
Pertumbuhan
Kredit 13% -14% 9.4 11.2 12.0 11.3 15.2
Pertumbuhan
Dana Pihak Ketiga 12% - 13% 30.5 25.4 18.4 12.0 -11.8
ROA (net) 1.5% - 2.0% 1.4 1.4 1.6 2.0 2.1 ROE (net) 15% - 20% 16.5 16.9 19.2 22.0 22.5 NIM 6.5% - 7.0% 6.0 6.0 6.3 6.9 7.2 Biaya Dana 5.0% - 5.3% 5.7 5.8 5.9 5.2 5.0 Rasio Cost to Income 60% - 65% 67.5 66.5 68.3 64.1 64.2 NPL (Gross) 2.0% - 2.5% 3.6 3.5 2.9 2.8 2.0 Credit Cost 0.3% - 0.7% 1.04 0.71 0.16 0.10 0.02 Rasio CASA 56% - 60% 48.7 51.5 52.4 54.6 56.4
Rasio-Rasio Keuangan
Rasio Utama 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16 Profitabilitas ROA (net) 1.4 1.4 1.6 2.0 2.1 ROE (net) 16.5 16.9 19.2 22.0 22.5 Rasio EfisiensiRasio Cost to Income 67.5 66.5 68.3 64.1 64.2
BOPO 84.4 84.3 83.3 78.1 77.5
Imbal Hasil
Imbal Hasil Asset 11.8 11.9 12.2 12.1 12.2
Biaya Dana 5.7 5.8 5.9 5.2 5.0
NIM 6.0 6.0 6.3 6.9 7.2
LDR 67.5 70.7 88.1 74.1 88.1
Kualitas Aktiva
Rasio Kredit Dapersus 3.5 2.8 2.2 2.2 2.1
NPL (Gross) 3.6 3.5 2.9 2.8 2.0 NPL (Net) 0.8 0.7 0.9 1.0 0.8 Coverage Ratio 79.5 80.8 73.7 68.3 62.6 CKPN / Total Kredit 2.9 2.8 2.1 1.9 1.3 Credit Cost 1.04 0.71 0.16 0.10 0.02 Permodalan
Laporan Laba Rugi
Laporan Laba Rugi Positioning Pertumbuhan
(Rp Miliar) 2Q’15 2Q’16 YoY (%) YoY 1Q’16 2Q’16 QoQ (%) QoQ Pendapatan Bunga 4,391 4,800 9.3% 409 2,367 2,433 2.8% 66 Beban Bunga 2,228 2,054 -7.8% (174) 1,064 990 -7.0% (74)
Pendapatan Bunga Bersih 2,163 2,746 26.9% 583 1,303 1,443 10.8% 141
Fee Based Income 195 211 8.4% 16 93 118 27.8% 26
Beban Operasional 1,525 1,821 19.4% 296 849 972 14.4% 122
Gain (Loss) on Financial Statement 40 88 5.0% 48 46 42 -9.2% (4)
Laba Operasional Sebelum CKPN 873 1,224 40.3% 351 592 632 6.7% 40
Beban CKPN 109 38 -65.3% (71) 18 20 14.7% 3
Pendapatan Non Operasional (24) (34) 40.0% 10 (20) (14) -28.0% (6)
Laba Sebelum Pajak 739 1,152 55.9% 413 555 597 7.7% 43
Beban Pajak 160 247 54.2% 87 117 130 10.5% 12
Neraca
Neraca
(Rp Miliar) 2Q’15 3Q’15 4Q’15 1Q’16 2Q’16
YoY (%)
Kas atau Setara Kas 2,371 1,852 2,355 1,724 3,295 39.0%
Giro pada Bank Indonesia 7,317 6,364 5,826 4,529 4,782 -34.6%
Cadangan Sekunder 26,328 25,247 17,031 25,636 18,197 -30.9%
Kredit (net) 50,699 52,947 54,112 54,148 59,370 17.1%
Aktiva Tetap (net) 852 842 862 868 2,460 188.7%
Aktiva Lainnya 2,430 3,003 2,785 2,782 2,802 15.3%
Total Aktiva 89,997 90,255 82,971 89,687 90,906 1.0%
Total Dana Pihak Ketiga 77,385 77,041 62,749 74,522 68,253 -11.8%
Surat Berharga Yang
Diterbitkan 1,722 1,723 1,723 1,122 1,122 -34.8% Pinjaman Diterima 2,608 2,914 3,852 4,720 5,618 115.4% Repo - - 3,656 - 5,242 -Lainnya 1,390 1,370 3,321 2,037 1,360 -2.2% Total Kewajiban 83,105 83,047 75,301 82,402 81,594 -1.8% Total Ekuitas 6,892 7,208 7,670 7,285 9,311 35.1%
Breakdown Kredit
Segmen (Rp Miliar) 2Q’15 2Q’16 YoY (%) Konsumer 36,191 41,447 14.5 % Mikro 3,922 3,445 -12.2 % Komersial 7,597 10,778 41.9 % KPR 4,503 4,462 -0.9 % Total Kredit 52,213 60,132 15.2 % Mata Uang (Rp Miliar) 2Q’15 2Q’16 YoY (%) Rupiah 52,037 59,722 14.8% Valas 176 410 131.6% 31.5 32.7 33.6 34.7 36.2 37.2 38.2 39.7 41.4 5.1 4.8 4.5 4.2 3.9 3.6 3.3 3.2 3.4 6.8 7.2 6.8 6.3 7.6 9.2 9.2 7.8 10.8 4.28 4.28 4.44 4.48 4.50 4.47 4.51 4.49 4.46 0 10 20 30 40 50 60 70 (R p t r)Kredit Konsumer
Indikator Utama 2Q’15 2Q’16 YoY
(%) Posisi Kredit 36,191 41,447 14.5 % Ekspansi Netto (Rp Miliar) 2,613 3,230 23.6% Rata-Rata Per Debitur (Rp Miliar) 101 110 9.7 % Jumlah Debitur 359,770 375,585 4.4 %
Tingkat Suku Bunga 15.00%-18.45% % eff. p.a
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian Khusus 0.26 0.36 +0.10 NPL 0.11 0.10 -0.01 29.1 30.2 30.9 31.9 33.0 33.7 34.3 35.2 35.8 2.4 2.5 2.6 2.8 3.2 3.6 3.9 4.5 5.6 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 35 40 45 (% ) (R p tr )
Kredit Mikro
*Kredit Mikro Utama
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian
Khusus 14.5 4.5 -10.0
NPL 25.1 14.2 -10.9
Indikator Inti 2Q’15 2Q’16 YoY
(%) Posisi Kredit 3,922 3,445 -12.2 % Ekspansi Netto (Rp Miliar) (583) 115 119.8% Rata-Rata per Debitur (Rp Miliar) 59 89 51.6 % Jumlah Debitur 66,487 38,517 -42.1 %
Tingkat Suku Bunga* 11.0% - 27.5% eff. p.a.
3.1 2.7 2.4 2.2 1.9 1.7 1.4 1.2 1.2 1.3 1.2 1.2 1.1 0.9 0.8 0.6 0.5 0.3 0.7 0.8 0.9 0.9 1.1 1.1 1.3 1.5 1.9 0.0 5.0 10.0 15.0 20.0 25.0 30.0 -1.0 2.0 3.0 4.0 5.0 6.0 (% ) (R p t r)
KMU (LHS) Govt Program (LHS) Others (LHS) NPL (RHS)
Kredit Komersial
Indikator Inti 2Q’15 2Q’16 YoY
(%) Posisi Kredit 7,597 10,778 41.9 % Ekspansi Netto (Rp Miliar) 747 1,532 104.9% Rata-Rata per Debitur (Rp Miliar) 1,226 1,674 36.6 % Jumlah Debitur 6,198 6,438 3.9 %
Tingkat Suku Bunga 6.3% -14.5% eff. p.a
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian Khusus 5.9 2.5 -3.4 NPL 7.5 3.5 -4.0 4.2 4.5 4.0 3.3 4.5 6.0 6.0 4.7 7.5 1.5 1.5 1.6 1.6 1.7 1.7 1.8 1.8 1.8 1.2 1.1 1.3 1.3 1.4 1.4 1.4 1.4 1.5 -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 -2.0 4.0 6.0 8.0 10.0 12.0 (% ) (R p t r)
Working Capital (LHS) Investment (LHS) Syndicated (LHS) NPL (RHS)
Kredit Pemilikan Rumah
Indikator Inti 2Q’15 2Q’16 YoY
(%) Posisi Kredit 4,503 4,462 -0.9 % Ekspansi Netto (Rp Miliar) 59 (44) -175.3% Rata-Rata per Debitur (Rp Miliar) 250 233 -7.0 % Jumlah Debtitur 17,989 19,167 6.5 %
Tingkat Suku Bunga 7.3% - 13.7% eff. p.a.
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian Khusus 15.4 15.8 +0.4 NPL 6.9 7.0 +0.1 4.28 4.28 4.44 4.48 4.50 4.47 4.51 4.49 4.46 -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 4.15 4.20 4.25 4.30 4.35 4.40 4.45 4.50 4.55 (% ) (R p t r) Mortgage Loans (LHS) NPL (RHS)
Breakdown Dana Pihak Ketiga
Breakdown Dana Pihak Ketiga
(Rp Miliar) 2Q’15 2Q’16 YoY (%) Giro 27,860 26,017 -6.6 % Tabungan 9,798 12,497 27.6 % Deposito 39,728 29,738 -25.1 % TOTAL 77,385 68,253 -11.8 % Rasio CASA (%) 48.7 56.4 +7.7 Mata Uang (Rp Miliar) 2Q’15 2Q’16 YoY (%) Rupiah 76,921 66,957 -13.0% Valas 464 1,296 179.3% 21.8 23.9 21.5 25.6 27.9 29.5 18.6 29.3 26.0 9.0 9.5 12.4 9.7 9.8 10.2 14.3 11.4 12.5 28.5 28.0 19.0 31.3 39.7 37.4 29.8 33.8 29.7 0 10 20 30 40 50 60 70 80 90 (R p t r)
Kredit Dalam Perhatian Khusus
84 70 53 73 93 109 101 151 149 920 741 647 572 567 389 281 234 155 297 289 323 280 451 286 106 109 271 543 567 568 692 694 729 720 723 706 -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 1,800 2,000 Sp e ci a l M e n ti o n /T o ta l L o a n s (% ) Ab 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) 5 4 3 4 5 7 8 12 12 50 44 41 35 31 26 23 19 12 16 17 20 17 25 19 9 9 21 29 34 36 43 38 48 60 59 55 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Sp e ci a l M e n ti o n C o n tr ib u ti o n ( % )
Non Performing Loans
35 33 29 32 38 40 34 58 40 960 1,059 1,024 1,066 986 968 754 674 488 705 715 771 715 571 567 526 463 378 194 223 228 264 311 340 298 373 311 -0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 -500 1,000 1,500 2,000 2,500 N on Pe rf o rm in g L o a n /T o ta l L o a n s (% ) Ab so lu te N o n P e rf o rm in g L o a n s (R p b n )Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) 2 2 1 2 2 2 2 4 3 51 52 50 51 52 51 47 43 40 37 35 38 34 30 30 33 30 31 10 11 11 13 16 18 18 24 26 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% NP L C o n tr ib u ti o n ( % )
Analisis Imbal Hasil
Imbal Hasil Aktiva (%) 2Q’15 2Q’16
Penempatan pada BI 4.5 1.6 Penempatan pada Bank Lain 4.7 3.4 Surat Berharga 5.8 7.0 Kredit 15.0 14.8
Lainnya 0.8 1.1
Biaya Dana (%) 2Q’15 2Q’16
Kewajiban pada Bank Lain 5.9 5.7
Surat Berharga yang Diterbitkan 9.9 6.9
DPK dari Masyarakat 5.6 4.8 Giro 2.1 2.1 Deposito 8.7 8.0 Tabungan 1.5 1.6 Pinjaman DIterima 0.0 5.1 Placement to Bank Indonesia 5% Interbank Placement 2% Marketable Securities 16% Loans 76% Others 1% Current Account 35% Savings Account 17% Time Deposit 40% Interbank Lending 7% Bonds 1%
Kecukupan Modal
Aktiva Tertimbang Menurut Risiko (ATMR) 2Q’15 2Q’16 YoY (%) Total ATMR 38,264 44,574 16.5 % Risiko Kredit 28,893 34,269 18.6 % Risiko Operasional 8,150 9,157 12.3 % Risiko Pasar 1,221 1,148 -5.9 % ATMR/Total Aktiva 42.5% 49.0% +6.5% Modal Inti 5,702 7,440 30.5 % Modal Pelengkap 361 428 18.6 % Total Modal 6,063 7,868 29.8 % Tier-1 CAR 14.9% 16.7% +1.8% Total CAR 15.8% 17.7% +1.8% Analisa KPMM ATMR Penambahan ATMR Untuk Ekspansi Rp 1 Triliun (net) Dampak thd KPMM (%) Kredit Konsumer 50% Rp 500 M 0.20 Kredit Mikro 75% Rp 750 M 0.29 Kredit Komersial 100% Rp 1T 0.39 KPR 40% Rp 400 M 0.16•Total Modal sebesar Rp 7.9 T ( +Rp 1,8 T YoY) • Total CAR 17.7% (+181 bps YoY)
Kredit Kepada Pegawai
Indikator Utama 2Q’15 2Q’16 YoY
(%)
Posisi Kredit 33,000 35,804 8.5 %
Ekspansi Netto
(Rp Miliar) 2,063 1,496 -27.5%
Rata-Rata per Debitur
(Rp Miliar) 102 110 7.8 % Jumlah Debitur 322,633 324,800 0.7 %
Tingkat Suku Bunga 15.00%-18.45% eff. p.a
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian Khusus 0.24 0.37 +0.13 NPL 0.10 0.09 -0.01 29.1 30.2 30.9 31.9 33.0 33.7 34.3 35.2 35.8 0.11 0.10 0.08 0.09 0.10 0.11 0.08 0.11 0.09 0.0 0.1 0.2 0.3 0.4 0.5 0 5 10 15 20 25 30 35 40 (% ) (R p t r)
Kredit Kepada Pensiunan
Indikator Utama 2Q’15 2Q’16 YoY
(%) Posisi Kredit 3,191 5,643 76.8 % Ekspansi Netto (Rp Miliar) 550 1,734 215.3% Rata-Rata per Debitur (Rp Miliar) 86 111 29.3 % Jumlah Debitur 37,137 50,785 36.8 % Tingkat Suku
Bunga 15.00%-18.45% eff. p.a
Kualitas Aktiva 2Q’15 2Q’16 YoY
Dalam Perhatian Khusus 0.40 0.31 -0.09 NPL 0.12 0.11 -0.01 2,407 2,519 2,641 2,793 3,191 3,556 3,909 4,494 5,643 0.12 0.12 0.11 0.12 0.12 0.12 0.12 0.44 0.11 0.0 0.1 0.2 0.3 0.4 0.5 0 1,000 2,000 3,000 4,000 5,000 6,000 (% ) (R p t r) Pensioner Loans (LHS) NPL (RHS)
Kinerja Anak Perusahaan
Ringkasan Kinerja
• Pendapatan Marjin Bersih Rp 148.4 M (-1.6% YoY) • Beban Operasional Rp 739.8 M (+296.9% YoY) • Laba Bersih (rugi) Rp -51,1 M (+3,840.3% YoY)
Laporan Laba
Rugi
• Total Pembiayan Rp 5.1 T (+3.6% YoY)
• Total Dana Pihak Ketiga Rp 5.5 T (+6.0% YoY) • Total Aktiva at Rp 7.0 T (+12.1% YoY)
Neraca
• NIM at 4.6% (-73bps YoY) • ROA at -1.9% (-201bps YoY) • ROE at -11.3% (+1,173bps YoY) • NPF Gross at 17.1% (+1,018bps YoY)Rasio
Keuangan
(bank)
Rasio Keuangan
Rasio Utama (%) 2Q’15 2Q’16 YoY (%)
CAR 12.2% 20.9% +8.7% NPF Gross 6.9% 17.1% +10.2% NPF Nett 4.8% 13.5% +8.7% ROA 0.1% -1.9% -2.0% ROE 0.5% -11.3% -11.8% NIM 5.3% 4.6% -0.7% BOPO 99.5% 106.1% +6.6% FDR 95.7% 93.7% -2.0%
Laporan Laba Rugi
Laporan Laba Rugi
(Rp Juta) 2Q’15 2Q’16 YoY (%) Pendapatan Marjjin 355,912 342,511 -3.8% Beban Marjin 205,141 194,135 -5.4% Marjin Bersih 150,771 148,376 -1.6%
Pendapatan Operasional Lainnya 38,768 526,217 1257.3%
Beban Operasional 186,386 739,812 296.9%
Pendapatan Operasional 3,153 (65,219) -2168.5%
Pendapatan (Biaya) Non Operasional (991) 962 197.1%
Laba Sebelum Pajak 2,162 (64,257) -3072.1%
Beban Pajak (777) 13,140 1791.1%
Neraca
Ringkasan Neraca
(Rp Juta) 2Q’15 2Q’16
YoY (%)
Kas atau Setara Kas 47,963 57,580 20.1% Giro pada Bank Indonesia 243,202 276,666 13.8% Cadangan Sekunder 825,993 1,415,278 71.3% Pembiayaan-net 4,821,567 4,917,214 2.0% Aktiva Tetap-net 159,965 172,492 7.8% Aktiva Lainnya 168,370 184,464 9.6%
Total Aktiva 6,267,060 7,023,694 12.1%
Total Dana Pihak Ketiga 5,154,078 5,463,887 6.0%
Pinjaman Diterima 15,453 14,496 -6.2%
Lainnya 463,061 556,567 20.2%
Total Kewajiban 5,632,592 6,034,950 7.1%
Kinerja Bisnis
Penyaluran Dana (Rp Juta) 2Q’15 2Q’16 YoY (%) Murabahah 3,644,184 3,989,521 9.5% Qardh 83,207 67,855 -18.5% Pembiayaan 1,208,475 1,058,820 -12.4% Isthisna 3,582 2,244 -37.4%Total Pembiayaan (Gross) 4,939,448 5,118,440 3.6%
Penghimpunan Dana (Rp Juta) 2Q’15 2Q’16 YoY (%) Wadiah 86,088 97,563 13.3% Wadiah 136,873 168,400 23.0% Mudharabah Tabungan 435,004 718,516 65.2% Mudharabah Deposito 4,496,113 4,479,408 -0.4%
Profil Perusahaan
bank bjb
Struktur Pemegang Saham
Struktur Pemegang Saham 2Q15 2Q16
Seri A 75.00 75.00
Pemerintah Prop. Jawa Barat 38,26 38,26
Pemerintah Kota/Kab. Se-Prop. Jawa Barat
23,61 23,61
Pemerintah Prop. Banten 5,37 5,37
Pemerintah Kota/Kab. Se-Prop. Banten
7,76 7,76
Seri B 25,00 25,00
Perorangan Dalam Negeri 5,47 4,06 Institusi Dalam Negeri 5,78 6,81 Perorangan Asing 0,05 0,02 Institusi Asing 13,70 14,12
Road Map
2015
2016-2017
2018 - 2019
2020
Membangun Pondasi Yang Kuat
Strategi
• Peningkatan Market Share Dana Pihak Ketiga
• Peningkatan Kualitas & Penyaluran Kredit
• Pemenuhan Kebutuhan Permodalan
• Pengembangan Bidang Penunjang :
o Kebijakan Bidang Layanan, Jaringan dan TI
o Kebijakan Bidang Organisasi, SDM dan Diklat
o Kebijakan Bidang Jasa Perbankan
o Kebijakan Bidang Pelaporan dan Pengendalian Biaya
o Kebijakan Bidang Manajemen Risiko & Credit Risk Reviewer
o Kebijakan Bidang Pengawasan Internal, Hukum dan Kepatuhan Bank
o Kebijakan Bidang Hubungan Investor, Komunikasi dan Promosi
o Kebijakan Bidang Anak Perusahaan
Strategi
Pertumbuhan Yang
Berkualitas Bank Dengan Kinerja& Layanan Terbaik Strategi
Membangun Pertumbuhan Berkesinambungan & Bank Yang Berkinerja Baik
Bersiap Menghadapi Masyarakat Ekonomi Asean (MEA)
Jaringan Kantor
Total Jaringan Kantor
2.570 Total bjb employees 7,472 Total bjb customers 4,527,504 Banten Deposits 12.5 Tr Loans 8.2 Tr Micro Loans 319.8 bn Profit 468.3 bn 882,562 Customers 8 Branch Offices 45 Sub Branches 58 Cash Offices 42 Payment Point 203 ATM Unit 58 Waroeng bjb 774 Employees West Java Deposits 43.1 Tr Loans 39.2 Tr Micro Loans 1.9 Tr Profit West Java 1.84 Tr Loss Head Oficce 1.4 Tr 3,468,040 Customers 33 Branch Offices 193 Sub Branch 260 Cash Offices 92 Payment Point 790 ATM Unit 293 Waroeng bjb 5,721 Employees Others Deposits 2.0 Tr Loans 4.8 Tr Micro Loans 874.7 bn Profit 86.7 bn 61,887 Customers 13 Branch Offices 13 Sub Branch Offices
7 Cash Offices 99 ATM Unit 21 Waroeng bjb 410 Employees Jakarta Deposits 10.6 Tr Loans 7.9Tr Micro Loans 331 bn Profit 157 bn 115,015 Customers 9 Branch Offices 60 Sub Branches 5 Cash Offices 1 Payment Point 115 ATM Unit 66 Waroeng bjb 546 Employees
Detail Jaringan dan Layanan
No Jaringan Kantor 2Q’15 2Q’16 YoY
1 Kantor Cabang 62 63 +1
2 KCP 312 311 -1
3 Kantor Kas 316 330 +14
4 Payment Point 133 135 +2
5 ATM 1,197 1,207 +10
6 bjb Sahabat Usaha (MSME Channel) 485 438 -47
7 Layanan bjb Precious 11 11 -8 Sentra UMKM 6 6 -9 Kas Mobil 11 11 -10 Weekend Banking 11 11 -11 Cabang Devisa 47 47 -Total 2,591 2,570 -21
Sumber Daya Manusia
Berdasarkan Usia Berdasarkan Pendidikan Level 2Q’15 2Q’16 YoY Dewan Komisaris 4 5 +1 Direksi 7 7 -Manajemen Puncak 40 42 +2 Manajemen Madya 244 321 +77Manajemen Lini Pertama 1,685 1,799 +114
Staff 5,127 5,289 +162
Pegawai MPP 10 9 -1
Total Pegawai Tetap 7,117 7,472 +355
Pegawai Kontrak Divisi Mikro - -
-Lain-Lain 2,688 4,371 +1,683
Total Pegawai Kontrak 2,688 4,371 +1,683
Total Pegawai 9,805 11,843 +2,038 Up to high School 0% Up to Bachelor Degree 95% Master of Doctorate 5% 18 - 30 72% 31 - 40 21% 41 - 50 6% > 50 1%
Penghargaan Tahun 2016
The Best BUKU 3 Bank for
Asset 50 – 100 Trillion Top 4
thListed Bank Koran Sindo BPD Award 2016 –
Best of The Best Bank Buku III
Koran Sindo BPD Award 2016 – Best CEO
Penghargaan Tahun 2016
Appreciation On Positive Contribution To The Tax
Revenue In 2015
Contact Center Service Excellent Award 2016 – bjb Call As Best
Call Center For Regular Banking Category
Koran Sindo Inspiration For Indonesia – Appreciation SINDO CSR Awards For Environmental Category
SWA Magazine – Ranked 46th
Indonesia’s 100 Most Valuable Brands Awards Bisnis Indonesia Award– Best
Small Cap In Indonesia
Investor Daily Award– Biggest Core Capital BUKU iii
Category
Infobank MRI Award – 1stBest ATM
Commercial Bank Warta Ekonomi Award – Digital
Innovation For Banking
Infobank MRI Award – 10stBest
Overall Performance Commercial Bank
Markplus WOW Brand Award 2015 – Best Champion Of Bandung Category
Conventional Bank (BUKU III)
Tribute From OJK - Annual Report Award Year Ended 2014 – 2ndBest Regional
Company Listed Brand Finance Plc Brand Rating & SWA –
Ranked 43rdMost Valuable Indonesia
Brand 2015
Tribute From Bank Indonesia - Annual Report Award Year Ended 2014 – 2ndBest Regional Company Listed
Penghargaan Tahun 2015
Ministry of Finance Awards – Best Taxpayer for West Java Region Markplus WOW Brand Award 2015 – Best
Champion Of Bandung Category Saving Account (BUKU III)
IICD - Corporate Governance & Award – Top 50 Public Listed
Companies
Corruption Eradication Commission Awards– Best Gratification Control Unit For
Penghargaan Tahun 2015
Indonesia Property & Bank Award X 2015 Infobank Banking Service Excellence Award 2015 – 1stBest SMS Banking Conventional Banking Category
MNC Business Award 2015 – Best Listed Regional Bank
Infobank Award – Best Financial Performance “ Best Of The Best” 2000
-2014
Annual Report Award Year Ended 2014 –
2ndBest Regional Company Listed Markplus WOW Brand Award 2015 - Gold
Champion Category Time Deposit By Conventional Bank (BUKU III)
Kinerja Saham
Investor Relations Group
Menara bank bjb 7thFloor
Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id Contact Person:
Muhammad As’adi Budiman Group Head
mbudiman@bankbjb.co.id
Ari Budiman Manager
abudiman@bankbjb.co.id
Anjas Septa Lesmana Senior Officer aslesmana@bankbjb.co.id Indra Maulana Senior Officer inmaulana@bankbjb.co.id 0 20 40 60 80 100 120 550 650 750 850 950 1050 1150 1250 1350 Mi llio n Sh ar es Rp /s ha re Volume (RHS) Price (LHS)
Menara bank bjb Jl. Naripan 12 – 14 7thFloor