Paparan Kinerja
Per 31 Desember 2016
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Jakarta, 13 Februari 2017
KINERJA 2016
Per 31 Desember 2016, kinerja Bank BTN tumbuh pesat di atas
rata-rata industri perbankan
FINANCIAL HIGHLIGHTS
FINANCIAL HIGHLIGHTS
Total Aset (Rp Miliar) Total Aset (Rp Miliar)
Total Kredit & Pembiayaan (Rp Miliar) Total Kredit & Pembiayaan (Rp Miliar)
Total Dana Pihak Ketiga (Rp Miliar) Total Dana Pihak Ketiga (Rp Miliar)
Laba Bersih (Rp Miliar) Laba Bersih (Rp Miliar)
Q4 2016
CAR
16,97%
16,97%
20,34%
20,34%
Rata-rata
Industri
Rata-rata
Industri
*) Data per 30 November 2016 **) Data per 31 Desember 2016
NPL
KOMPOSISI KREDIT
Kredit di Sektor Perumahan tumbuh 18,43% y.o.y, pertumbuhan
didominasi oleh pertumbuhan penyaluran KPR Subsidi sebesar
DANA PIHAK KETIGA
Total Deposits Mix
(IDR Trillion)
Total Deposits Mix
(IDR Trillion)
CASA Composition
(%)
CASA Composition
(%)
LAPORAN LABA/RUGI
TARGET BISNIS 2017
Total Asset
: 20% -
22%
Total Loan & Financing
: 21% -
23%
Total Deposits
: 22% - 24%
Equity
: > 20%
Net Profit
: > 20%
Growth
CAR
: 17% - 19%
NPL (Gross)
: < 2.5%
N I M
: 4.5% - 5%
R O E
: 16% - 18%
R O A
: 1.6% - 1.8%
L D R
: 101% - 103%
STRATEGI BISNIS TAHUN
2017
Increasing Low Cost & Sustainable Funding
• Broaden to emerging affluent segment
• Enhancing cooperation with institutions
• Wholesale funding enlargement
Increasing Low Cost & Sustainable Funding
• Broaden to emerging affluent segment
• Enhancing cooperation with institutions
• Wholesale funding enlargement
Infrastructure Reinforcement
• Build up digital banking infrastructure
• Centralized operations and process automation
• Strengthen Good Corporate Governance & Risk Management Infrastructure Reinforcement
• Build up digital banking infrastructure
• Centralized operations and process automation
• Strengthen Good Corporate Governance & Risk Management Strengthen Mortgages Business & Construction Value Chain
• Focus on housing loans & selective non-housing loans
• Build up construction value chain to boost housing supply
• Improving collection management & asset recovery effectiveness Strengthen Mortgages Business & Construction Value Chain
• Focus on housing loans & selective non-housing loans
• Build up construction value chain to boost housing supply
• Improving collection management & asset recovery effectiveness
Boost up Fee-Based Income
• Increasing revenue from transaction fee, digital banking, wealth management & bank guarantee
• Optimizing revenue from written-off loans
• Subsidiary establishment to support business Boost up Fee-Based Income
• Increasing revenue from transaction fee, digital banking, wealth management & bank guarantee
• Optimizing revenue from written-off loans
• Subsidiary establishment to support business
“Digital banking-based transformation
Sharia Assets
(IDR Billion)
Sharia Assets
(IDR Billion)
Sharia Net Profit
(IDR Billion)
Sharia Net Profit
(IDR Billion)
Sharia Deposits
(IDR Billion)
Sharia Deposits
(IDR Billion)
Sharia Disbursement
(IDR Billion)
Sharia Disbursement
(IDR Billion)
Sharia NPF (Gross)
(%)
Sharia NPF (Gross)
(%)
CAGR: 13.76% CAGR: 13.76%
YOY: 39.22% YOY: 39.22%
Sharia NPF (Net)
(%)
Sharia NPF (Net)
(%)
Sharia Financings
(IDR Billion)
Sharia Financings
(IDR Billion)
CAGR: 24.09% CAGR: 24.09%
YOY: 26.74% YOY: 26.74%
