Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb
2Q12 Analyst Meeting
Daftar Isi
Hal. 3
Ekonomi Makro dan Sektor Perbankan
Hal. 5
Ringkasan Kinerja
Hal. 10
Breakdown Kredit
Hal. 15
Breakdown Dana Pihak Ketiga
Hal. 16
Kinerja bank bjb Syariah
Hal. 17
Kualitas Aktiva
Hal. 21
Analisa Imbal Hasil (Yield)
Hal. 24 Modal
Hal. 25
Biaya Operasional
Hal. 26
Company Profile
Ekonomi Makro
0 2 4 6 8 10 12 14 (% ) GDP Growth BI Rate 60 70 80 90 100 110 120 130 In d e x (p ts)Consumer Confidence Index
0 5 10 15 20 (% ) 1mth JIBOR CPI 5 7 9 11 13 15 17 19 6000 7000 8000 9000 10000 11000 12000 13000 Yi e ld ( % ) US D ID R
USDIDR 10yr Govt Bond
BI Mempertahankan Tingkat BI Rate Pada Level
5.75%
Consumer Price Index (CPI) Mulai Mengalami
Peningkatan
Index Kepercayaan Konsumen Mengalami Peningkatan
Seiring dengan Penundaan Kenaikan BBM
Pasar Obligasi Meningkat sementara Rupiah Mengalami
Volatilitas Terhadap US Dollar
Sektor Perbankan
0 2 4 6 8 10 12 14 Ma r-06 Au g-06 Jan -07 Ju n -07 N o v-07 Ap r-08 Se p -08 Fe b -09 Ju l-09 De c-09 Ma y-10 Oct -10 Ma r-11 Au g-11 Jan -12 (% ) GDP Growth BI Rate 0 5 10 15 20 Ja n -06 Ju n -06 N o v-06 Ap r-07 Se p -07 Fe b -08 Ju l-08 De c-08 y-09 Oct -09 r-10 Au g-10 Ja n -11 Ju n -11 N o v-11 Ap r-12 (% ) 1mth JIBOR CPIMei 11
Mei 12
YoY (%)
Total Kredit
1,8892,403
27.2
Total DPK
2,397
2,908
21.3
LDR
78.8
82.6
3.8
NPL
2.9
2.2
-0.7
ROA
2.9
3.0
+0.08
Pada Bulan Mei 2012, Sektor Perbankan menunjukkan
perkembangan sebagai berikut :
• Total Kredit meningkat 27.2% dibandingkan tahun lalu menjadi
Rp 2.403 Triliun (Kredit Investasi meningkat 29.3%, Kredit Modal
Kerja meningkat 28.9% sedangkan Kredit Konsumer meningkat
sebesar 20.3%)
• Total DPK meningkat 21.3% dibandingkan tahun lalu menjadi
Rp2,908 Triliun (CASA meningkat 24.8%, Simpanan Berjangka
meningkat 18.3% , Rasio CASA sebesar 55.5%)
• Tingkat NPL perbankan turun 70 Poin dibandingkan tahun lalu
menjadi 2.2%, sementara Rasio ROA perbankan meningkat 8
Poin dibandingkan tahun lalu menjadi 3.05%
Ringkasan Kinerja
• Net Interest Income : Rp 1.8T (+23.1% YoY/ + 15.2% QoQ)
• Laba Operasional Sebelum Cadangan : Rp 955M (+16.9% YoY/
+33.4% QoQ)
• LLP: Rp 148M (+ 25.1% YoY/ +221.7% QoQ)
• Net Income: Rp600M (+10.3% YoY/ +22.0% QoQ)
Laporan
Laba Rugi
• Total Kredit : Rp 32.7 triliun (+26.4% YoY/ + 12.4% QoQ)
• Total DPK : Rp 49.8 triliun, +37.5% YoY (- 2.9% QoQ)
• Total Aset : Rp 61.2 triliun (+24.2% YoY/ - 3.8% QoQ)
• Jumlah rekening : 2.4 Juta (+66.7% YoY/ +5.8% QoQ)
Neraca
• NIM: 6.9% (+11bps YoY/ +34bps QoQ)
• ROA : 2.1% (-28bps Yoy/ +12 bps QoQ)
• ROE : 22.6% (+87bps YoY/ +251bps QoQ
• NPL : 1.4% (-93bps YoY/ +21bps QoQ)
Rasio
Target vs Pencapaian
Target
TW I 2012
TW II 2012
Pertumbuhan Kredit
22% - 25%
21.6 26.4Pertumbuhan DPK
15% - 18%
51.4 37.5ROAA
1.8% - 2.0%
2.0 2.1ROAE
18% - 20%
20.1 22.6NIM
6.8% - 7.2%
6.5 6.9Cost of Fund
6.4% - 6.7%
5.8 5.5Cost to Income Ratio
51% - 54%
51.5 51.1Gross NPL
1.2% - 1.7%
1.2 1.4Credit Cost
1.0% - 1.4%
0.5 1.0Rasio CASA
40% - 45%
Rasio Keuangan
Rasio Inti
2Q11
3Q11
FY11
1Q12
2Q12
Profitabilitas
ROA (net)
2.4
2.2
1.9
2.0
2.1
ROE (net)
21.8
21.2
18.5
20.1
22.6
Rasio Biaya
Cost to Income Ratio
47.0
44.9
51.6
51.5
51.1
Expense Ratio
75.5
77.8
78.8
75.8
75.9
Yield
Asset Yield
13.1
12.9
13.0
12.1
12.5
Cost of Fund
6.6
6.3
6.6
5.8
5.5
NIM
6.8
6.8
6.6
6.5
6.9
LDR
71.9
67.7
73.0
56.3
65.5
Kualitas Aktiva
Dalam Perhatian
Khusus (DPK)
1.7
1.5
2.1
3.1
2.6
Gross NPL
2.3
2.6
1.2
1.2
1.4
Net NPL
0.7
0.8
0.4
0.8
0.6
Coverage Ratio
133.7
111.0
155.5
143.8
121.3
Credit Cost
1.21
2.14
1.04
0.53
1.00
Laporan Laba Rugi (bank)
Laporan Laba Rugi
(Rp Milyar)
1H11
1H12
YoY (%)
FY11
1Q12
2Q12
QoQ (%)
Pendapatan Bunga
2,817 3,364 19.45,977
1,598 1,767 10.6Beban Bunga
1,352 1,561 15.5(2,916)
(769) (792) 3.0Pendapatan Bunga
Bersih
1,465 1,804 23.13,061
838 965 15.2Fee Based Income
99 122 23.0193
44 78 77.3Beban Operasional
(757) (976) 29.0(1,721)
474 502 5.9Gain (Loss) on
Financial
Statement
9 6 (35.6)11
1 5 400.0Laba Operasional
817 955 16.91,543
409 546 33.5Beban PPAP
(119) (148) 25.1(262)
(35) (113) 222.9Pendapatan Non
Operasional
31 (2) (108.1)39
(1) (1) -Laba Sebelum
Pajak
729 804 10.41,320
373 432 15.8Beban Pajak
(184) (204) 10.7(357)
(102) (102) -Laba Bersih
544 600 10.3962
270 330 22.3Neraca (bank)
Ringkasan Neraca
(Rp Milyar)
2Q11
3Q11
4Q11
1Q12
2Q12
YoY (%)
QoQ (%)
Kas atau Setara Kas
1,211 1,291 1,726 1,288 1,482 22.4 15.1Giro Pada Bank
Indonesia
3,013 3,471 3,674 4,828 4,308 43.0 (10.8)GWM Sekunder
17,902 20,537 19,283 27,118 19,996 11.7 (26.3)Total Kredit (Net)
25,876 27,027 28,223 29,103 32,713 26.4 12.4Aktiva Tetap (Net)
544 510 560 548 550 1.1 0.4Aktiva Lainnya
780 983 983 1,316 1,685 116.0 28.1Total Aktiva
49,326 53,819 54,449 63,680 61,255 24.2 (3.8)Total Dana Pihak
Ketiga
36,227 40,267 39,043 51,276 49,799 37.5 (2.9)Surat Berharga
yang Diterbitkan
3,741 3,742 2,743 2,744 2,744 (26.7) 0.0Pinjaman Diterima
3,441 3,630 5,473 2,802 2,151 (37.5) (23.3)Lainnya
948 961 1,803 1,793 1,166 23.0 (35.0)Total Kewajiban
44,358 48,599 49,062 58,615 55,860 25.9 (4.7)Total Modal
4,969 5,219 5,387 5,065 5,395 8.6 6.5Breakdown Kredit (bank)
Segmen
(Rp Milyar)
2Q11
2Q12
YoY
(%)
Kredit Konsumer
17,961 21,356 18.9Kredit Mikro
2,748 3,630 32.1Kredit Komersial
4,199 5,308 26.4Kredit Pemilikan
Rumah (KPR)
140 941 573.0Total
25,048 31,236 24.7Mata Uang
(Rp Milyar)
2Q11
2Q12
YoY
(%)
Rupiah
24.962
30.928
23.9
Valuta Asing
86
308
258.1
15.7 15.8 15.8 15.4 15.5 15.7 15.9 19.7 21.4 1.3 1.4 1.5 2.0 2.1 2.3 2.4 3.1 3.6 3.3 3.4 3.5 3.5 3.5 3.9 3.6 4.3 5.3 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.7 0.9 0 5 10 15 20 25 30 35 R p trCommercial Loans Consumer
Micro Commercial
15.4 15.4 16.0 16.7 18.0 18.6 19.2 19.7 21.4 0.15 0.13 0.12 0.13 0.13 0.13 0.12 0.11 0.10 - 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00 10.0 12.0 14.0 16.0 18.0 20.0 22.0 (% ) (R p tr ) Loans Outstanding (LHS) NPL (RHS)
Kredit Konsumer
Ringkasan
2Q11
2Q12
YoY (%)
Outstanding
17,961 21,356 18.9Rata –rata Pencairan
Kredit Per bulan
( Rp Juta)
432.7 536.3 23.9
Rata-rata Outstanding
per Debitur (Rp Juta)
49 60 22.5Jumlah Debitur
370,127 355,575 (3.9)Tingkat Suku Bunga
16.6% - 23.8% eff. p.a.
Kualitas Kredit
2Q11
2Q12
YoY (%)
Dalam Perhatian
Khusus
0.14 0.18 0.041.3 2.1 2.4 2.5 2.8 2.9 3.0 3.1 3.6 4.2 3.0 2.4 3.0 3.6 5.1 2.7 3.8 3.8 0.0 1.0 2.0 3.0 4.0 5.0 6.0 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 (% ) (R p tr ) Micro Loans (LHS) NPL (RHS)
Kredit Mikro
Ringkasan
2Q11
2Q12
YoY (%)
Outstanding
2,748 3,630 32.1Rata –rata Pencairan
Kredit Per bulan
( Rp Juta)
79.5 188.3 136.7
Rata-rata Outstanding
per Debitur (Rp Juta)
45.2 50.1 11.0Jumlah Debitur
61,104 72,436 18.5Tingkat Suku Bunga*
22% - 27% eff. p.a.
Kualitas Kredit
2Q11
2Q12
YoY (%)
Dalam Perhatian
Khusus
7.1 9.5 2.4NPL
3.6 3.8 0.2*Kredit Mikro Utama
- Kredit Cinta Rakyat 9.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.
3.3 3.5 3.7 3.7 4.2 4.6 4.4 4.3 5.3 8.9 9.0 8.8 11.0 10.8 10.9 4.8 4.5 5.2 - 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 ) Commercial Loans (LHS) NPL (RHS)
Kredit Komersial
Ringkasan
2Q11
2Q12
YoY (%)
Outstanding
4,199 5,308 26.4Rata –rata Pencairan
Kredit Per bulan
( Rp Juta)
163.3 321.7 97.0
Rata-rata Outstanding
per Debitur (Rp Juta)
337.8 468.5 38.7Jumlah Debitur
12,481 11,329 (9.2)Tingkat Suku Bunga
14% - 14.5% eff. p.a
Kualitas Kredit
2Q11
2Q12
YoY (%)
Dalam Perhatian
Khusus
4.5 6.9 2.4Kredit Pemilikan Rumah (KPR)
78 78 91 108 140 196 453 663 941 8.4 10.7 10.4 9.2 7.4 5.6 2.6 0.2 0.5 - 2.0 4.0 6.0 8.0 10.0 12.0 - 100 200 300 400 500 600 700 800 900 1,000 (% ) (Rp b n ) Mortgage Loans (LHS) NPL (RHS)Ringkasan
2Q11
2Q12
YoY (%)
Outstanding
140 941 572.2Rata –rata Pencairan
Kredit Per bulan
( Rp Juta)
5.9 92.6 1,469.5
Rata-rata Outstanding
per Debitur (Rp Juta)
154.5 238.2 54.2Jumlah Debitur
909 3,951 334.7Tingkat Suku Bunga
8.75% - 13.75% eff. p.a.
Kualitas Kredit
2Q11
2Q12
YoY (%)
Dalam Perhatian
Khusus
4.8 6.4 1.6Breakdown DPK (bank)
Komposisi DPK
(Rp Milyar)
2Q11
2Q12
YoY
(%)
Giro
9,967 11,708 17.5Tabungan
4,019 6,006 49.4Deposito
20,875 29,986 43.6TOTAL
34,861 47,700 36.8Rasio CASA (%)
40.1 37.1 (7.5 )Mata Uang
(Rp Milyar)
2Q11
2Q12
YoY
(%)
Rupiah
34,668
47,475
36.9
Forex
193
225
16.6
17.9 19.2 18.9 19.1 20.9 23.5 20.0 32.4 30.0 3.4 3.5 4.7 3.8 4.0 4.4 6.0 5.0 6.0 10.7 10.3 7.5 10.0 10.0 10.8 11.0 12.0 11.7 0.0 10.0 20.0 30.0 40.0 50.0 60.0 R p trKinerja bank bjb Syariah
1.6 1.6 1.5 1.6 1.7 1.8 1.3 1.1 1.4 1.7 2.2 2.0 - 0.5 1.0 1.5 2.0 2.5 R p trTotal Financing Total Deposit
Jenis Pembiayaan
2Q11
2Q12
YoY
(%)
Murabahah –
(Perdagangan)
726
945
30.2
Ijarah
162
27
(83.4)
Musyarakah
269
485
80.3
Mudharabah
195
166
(14.9)
Qardh – (Bridging)
194
434
123.7
Isthisna – (Gadai)
11
6
(50.0)
Total Pembiayaan
1,557
2,063
32.5
Dana Pihak Ketiga
2Q11
2Q12
YoY
(%)
Wadiah (Giro)
50
70
40.0
Mudharabah (Giro)
13
62
376.9
Wadiah (Tabungan)
56
67
19.7
Mudharabah (Tabungan)
118
174
47.4
Mudharabah (Deposito)
1,157
1,879
62.4
Kualitas Aktiva
Gross NPL
(Bank)
TW II 2011
TW II 2012
Total PH
(Rp Milyar)
Konsumer
0.13
0.10
1
Mikro
3.6
3.8
32
Komersial
10.8
5.2
7
KPR
7.4
0.5
3
Total
2.34
1.41
43
555 593 577 701 785 754 508 480 534 384 403 406 516 587 679 327 334 440 - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 180.0 - 100 200 300 400 500 600 700 800 900 (% ) (R p b n )Credit Provision (LHS) Absolute NPL (LHS) Coverage Ratio (RHS) 1.9 1.9 1.8 2.2 2.3 2.6 1.2 1.2 1.4 0.2 0.2 0.3 0.5 0.7 0.8 0.4 0.8 0.3 - 0.5 1.0 1.5 2.0 2.5 3.0 (% ) Gross NPL Net NPL
11 7 8 9 6 7 3 4 5 38 34 37 42 47 61 49 39 43 47 56 54 46 46 28 46 51 45 4 3 1 2 2 4 2 5 7 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Sp e ci al M e n tion Co n tr ib u tion (% )
Consumer Micro Commercial Mortgage
25 24 21 33 25 28 19 37 37 83 109 95 147 195 247 279 332 344 103 182 138 159 190 113 264 438 365 8 8 3 7 7 15 9 44 60 - 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 - 100 200 300 400 500 600 700 800 900 Sp e ci al M e n tion /To tal Loan s (% ) (R p b n ) Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)
6 5 5 4 4 3 7 7 5 14 15 14 15 17 22 24 35 31 78 78 79 79 78 73 65 58 63 2 2 2 2 2 2 4 0 1 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% N PL Co n tr ib u tion (% )
Consumer Micro Commercial Mortgage
Non Performing Loans
23 20 19 22 24 24 23 22 22 55 62 58 75 98 149 79 115 138 299 313 319 409 455 495 213 195 276 7 8 9 10 10 11 12 2 5 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 0 100 200 300 400 500 600 700 800 N PL /To tal Lo an s (% ) (R p b n ) Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS)
334 440 150 43 - 100 200 300 400 500 600 Beginning NPL Formation
Write Off Ending Balance A b solut e N PL ( Rp bn ) 480 534 98 43 0 100 200 300 400 500 600 700
Beginning Charge to P&L Write Off Ending Balance
B al an ce S h e e t Pr o vi si o n ( Rp bn )
Analisa Imbal Hasil (Yield)
Komposisi DPK
(Miliar Rp)
2Q11
3Q11
FY11
1Q12
2Q12
Rata-rata Aktiva
Produktif
41,229 42,739 43,933 50,443 51,460Asset Yield
12.9 12.9 13.0 12.1 12.5Rata-rata
Kewajiban yang
memiliki
pembayaran bunga
39,789 41,392 42,693 50,019 51,931Cost of Fund
6.3 6.3 6.6 5.6 5.5 27 30 33 28 27 24 15 28 15 15 14 6 14 13 19 25 20 22 56 55 59 57 58 56 59 51 61 1 1 1 1 1 1 1 1 1 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%Placement Marketable Securities Loans Others 5.0 5.5 6.0 6.5 7.0 7.5 8.0 8.0 9.0 10.0 11.0 12.0 13.0 14.0
Asset Yield CoF NIM (RHS)
Pada Triwulan ke-2 Tahun 2012, dalam rangka melengkapi
database internal, bank bjb melakukan perubahan metode
perhitungan analisa imbal hasil (yield) dengan menggunakan angka
tahunan (sesuai dengan ketentuan Bank Indonesia) dibandingkan
dengan kebijakan sebelumnya yang menggunakan angka rata-rata
4 (empat) Triwulan sebelumnya.
• NIM Meningkat 34 poin dari Triwulan Sebelumnya menjadi 6.9%
• Cost of Fund turun 4 poin dari Triwulan sebelumnya menjadi 5.5%
• Asset Yield meningkat menjadi 40 poin menjadi 12.5%
• Rasio kredit terhadap total aktiva produktif meningkat 10.6%
menjadi 61%
Pertumbuhan Kredit vs Pertumbuhan DPK
40 45 50 55 60 65 70 75 80 -4000 -2000 0 2000 4000 6000 8000 (% ) (R p b n )Change in Loans (LHS) Change in TPF (LHS) LDR (RHS) 400 410 420 430 440 450 460 470 480 490 500 - 500 1,000 1,500 2,000 2,500 ( N o o f A cc o u n t '000) ( N o o f A cc o u n t '000) Funding (LHS) Lending (RHS)
Perbandingan Nasabah Kredit dan DPK
Kredit : Nasabah Mikro Terus
Bertambah
DPK : Dana Pemerintah Meningkat
41 40 24 57 48 45 25 40 47 42 42 54 29 34 37 50 41 34 17 18 22 15 19 18 25 19 19 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% A m ou nt P rop orti on ( %)
Government Corporate Retail
88 86 84 84 83 82 82 82 80 10 12 12 13 14 15 15 15 16 0 0 0 0 0 0 0 1 1 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% No o f A c c ou nt P rop orti on ( %)
Efisiensi Modal Dari Sisi Risiko
Aktiva
Tertimbang
Menurut
Risiko
(ATMR)
TW II
2011
TW III
2011
TW IV
2011
TW I
2012
TW II
2012
ATMR 22,761 23,946 28,977 22,881 25,235 Risiko Kredit 18,102 19,210 4,536 17,351 19,759 Risk Pasar 4,501 4,501 19,940 5,191 5,191 Risiko Operasional 158 234 4,501 339 284 ATMR/Total Aset 47.6% 46.0% 55.6% 37.1% 42.8% tier-1 4,415 4,540 4,552 4,522 4,665 tier -2 (43) (31) (16) (48) (21) Total Modal 4,372 4,509 4,536 4,473 4,644 Tier-1 CAR 19.4% 19.0% 15.7% 19.8% 18.5% Total CAR 19.2% 18.8% 18.4% 19.6% 18.4%Analisis CAR
Bobot
Risiko
Tambahan
ATMR /
Ekspansi
Kredit
sebesar Rp
1 Triliun
Pengaruh
terhadap
CAR
Kredit Mikro
75%
Rp750 Miliar
0.44
Kredit Komersial
100%
Rp1 Triliun
0.60
Kredit Konsumer
50%
Rp500 Miliar
0.26
• ATMR +Rp2.4tr YoY (+Rp2.3tr QoQ) to Rp25.2tr
• ATMR/total asset -4.9% YoY, sesuai dengan
ketentuan BI terbaru terkait perhitungan ATMR
• ATMR/total asset +5.7% QoQ, sedangkan rasio
kredit terhadap total aktiva produktif +10.6% QoQ
• Total modal +Rp272bn YoY (+Rp170bn QoQ)
menjadi Rp4.6tr
Biaya Operasional (bank)
Komposisi Biaya
Operasional
(Miliar Rp)
2Q11
2Q12
YoY
(%)
3Q11
4Q11
1Q12
2Q12
QoQ
(%)
Beban Tenaga
Kerja
(299)
(359)
20.1
(138)
(262)
(185)
(173)
(6.5)
Beban Administrasi
dan Umum
(402)
(612)
52.3
(323)
(177)
(252)
(360)
42.9
Lainnya
(0)
(2)
-
(0)
0
(0)
(2)
-
41 44 48 40 48 49 52 54 51 - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 90.0 (% )Expense Ratio Cost to Income Ratio
• Cost to Income Ratio sebesar 51.1%, naik 418
bps YoY (turun 38 bps QoQ) dimana pendapatan
mengalami
peningkatan
seiring
dengan
pertumbuhan kredit.
• Expense Ratio (BOPO) sebesar 75.9% (+10 bps
YoY dan +40 bps QoQ)
• Total Biaya Operasional sebesar Rp 973 M
(+38.38% YoY dan +22.3% QoQ)
Company Profile
Struktur Kepemilikan
38.26 23.61 5.37 7.76 25West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series)
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
Seri B (Publik)
25,00
Lokal Perorangan
7.3
Lokal Institusi
11.89
Perorangan Asing
0.03
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 /
Micro
Financing
Institutional & Commercial BankingConsumer
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 ServicesRisk 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
Dewan Komisaris
Dari kiri ke kanan :
Klemi Subiyantoro Komisaris Independen Jabatan Sebelumnya : Komisaris Independen bank bjb
(2008 - 2011) Achmad Baraba Komisaris Independen Jabatan Sebelumnya : Komisaris Independen bank bjb (2007 - 2011) Agus Ruswendi Komisaris Utama Jabatan Sebelumnya : Direktur Utama- bank bjb (2007-2011) Muhadi Komisaris Jabatan Sebelumnya: Komisaris bank bjb (2008-2011) Yayat Sutaryat Komisaris Independen Jabatan Sebelumnya : Komisaris Independen PTCitra Bangun Selaras
Direksi
Bien Subiantoro President Director Jabatan Sebelumnya: Senior Advisor Bank Mandiri, Direktur BNI periode 2003 – 2010
Kiri ke kanan :
Zaenal Aripin Direktur Jabatan Sebelumnya: Pemimpin Divisi Perencanaan Strategis bank bjb, Ketua Change Management Office bank bjb Arie Yulianto Direktur Jabatan Sebelumnya: Pemimpin Divisi Mikro bank bjb, Pemimpin
Divisi Kepatuhan dan Hukum bank bjb
Entis Kushendar Direktur Jabatan Sebelumnya: Direktur Komersial bank bjb, Pemimpin Divisi Umum bank bjb