Supervision and providing advice to the Board of Directors becomes the responsibility of the Board of Commissioners in order to ensure that the performance of the Board of Directors is in accordance with the target. Prior to conveying the views of the Board of Commissioners on the performance achievements of the Directors, the Board of Commissioners conveyed the frequency and method of providing advice to the Directors as well as the supervision of the Board of Commissioners regarding the formulation and implementation of strategies.
Providing advice from the Board of Commissioners to the Directors was carried out through Joint Meetings of the Board of Commissioners inviting the Directors and Joint Meetings of the Directors inviting the Board of Commissioners. During 2022, Joint Meetings of the Board of Commissioners inviting the Directors were held 35 (thirty five) times and Joint Meetings of the Directors invited the Board of Commissioners 1 (one) time.
The Board of Commissioners supervised the formulation and implementation of the Company's strategy. Supervision of the formulation of the Company's strategy was carried out by supervising the preparation of the Bank's Strategic Plan and the Bank's Business Plan. Meanwhile, supervision of strategy implementation was carried out through supervision and providing advice to the Board of Directors in carrying out the Company's business activities. Supervision and provision of advice was realized through evaluation of monthly performance achievements, implementation of the provisions of the Articles of Association and GMS Decisions.
stagflasi yaitu risiko lambatnya pertumbuhan ekonomi yang dibarengi dengan laju inflasi yang tinggi. Di Eropa, European Central Bank (ECB) juga masih melanjutkan pengetatan kebijakan moneter dengan menaikkan suku bunga acuan sebesar 75 bps ke level 0,75% pada September 2022. Bank of England (BoE) juga menaikkan suku bunga acuannya sebesar 50 bps ke level 2,25% pada Rapat Dewan Gubernur 22 September 2022. BoE juga mengumumkan akan memulai penjualan aktif surat berharga (quantitative tightening) sebesar GBP 80 miliar secara bertahap dalam 12 bulan ke depan. Selain itu, BoE juga memperkirakan inflasi Inggris akan mencapai puncaknya pada Oktober 2022 di kisaran 11%. Seiring dengan tingginya berbagai ketidakpastian global ke depan, IMF merevisi ke bawah proyeksi pertumbuhan ekonomi global tahun 2023 menjadi 2,7% pada World Economic Outlook (WEO) Oktober 2022.
Pertumbuhan ekonomi nasional masih relatif kuat, di tengah ketidakpastian risiko global tersebut. Laju pertumbuhan ekonomi Indonesia diperkirakan akan terus membaik. Sejumlah institusi internasional, termasuk Bank Dunia, IMF, dan Bloomberg, memperkirakan bahwa Indonesia merupakan salah satu perekonomian dengan resiliensi yang relatif baik dibandingkan dengan negara berkembang lainnya. Selain itu, potensi pertumbuhan yang lebih baik di tengah transformasi ekonomi juga akan dapat menopang pertumbuhan ekonomi nasional.
Meskipun tidak setinggi perkiraan sebelumnya, dengan masih besarnya potensi dorongan tersebut, pertumbuhan ekonomi nasional di tahun 2023 diperkirakan pada 5,3%.
Dari sisi perbankan, fungsi intermediasi dari sektor keuangan juga melanjutkan perbaikan secara bertahap. Pertumbuhan kredit hingga Desember 2022 tumbuh sebesar 11,35% (yoy) meningkat dibandingkan tahun sebelumnya yang hanya tumbuh sebesar 5,24% (yoy). Pemulihan intermediasi juga terjadi pada perbankan syariah, dengan pertumbuhan pembiayaan pada Desember 2022 sebesar 20,1% (yoy), lebih tinggi dibandingkan dengan capaian tahun sebelumnya sebesar 6,6% (yoy). Pertumbuhan kredit juga terus berlanjut pada segmen UMKM, khususnya penyaluran Kredit Usaha Rakyat (KUR) yang tumbuh tinggi sebesar 29,66% (yoy).
Dari sisi permodalan, kondisi permodalan Bank yang meningkat dan cukup solid menunjukkan kemampuan Bank yang memadai dalam menyerap risiko dengan rasio kecukupan modal (Capital Adequacy Ratio/CAR) perbankan pada Desember 2022 tetap
stagflation, namely the risk of slow economic growth accompanied by high inflation rates. In Europe, the European Central Bank (ECB) also continued to tighten monetary policy by raising its benchmark interest rate by 75 bps to a level of 0.75% in September 2022.
The Bank of England (BoE) also raised its benchmark interest rate by 50 bps to level 2 .25% at the Board of Governors' Meeting on 22 September 2022. The BoE also announced that it would begin active sales of securities (quantitative tightening) of GBP 80 billion in stages over the next 12 months. In addition, the BoE also predicted that UK inflation would peak in October 2022 around 11%. In line with the heightened global uncertainties going forward, the IMF revised down its global economic growth projection for 2023 to 2.7% in the October 2022 World Economic Outlook (WEO).
National economic growth was still relatively strong, amidst the uncertainty of global risks. Indonesia's economic growth rate was expected to continue to improve. A number of international institutions, including the World Bank, IMF and Bloomberg, estimated that Indonesia had an economy with relatively good resilience compared to other developing countries. In addition, the potential for better growth amid economic transformation would also be able to sustain national economic growth. Even though it was not as high as previous estimates, with the large potential for this boost, national economic growth in 2023 was estimated at 5.3%.
From the banking side, the intermediary function of the financial sector also continued to improve gradually. Loan growth until December 2022 grew by 11.35% (yoy), an increase compared to the previous year which only grew by 5.24% (yoy). Intermediation recovery also occurred in sharia banking, with financing growth in December 2022 of 20.1% (yoy), higher than the previous year's achievement of 6.6% (yoy). Loan growth also continued in the MSME segment, particularly the disbursement of People's Business Loan (KUR), which grew high by 29.66% (yoy). In terms of capital, the condition of the Bank's capital which increased and was quite solid indicated the Bank's adequate ability to absorb risk with the banking Capital Adequacy Ratio (CAR) in December 2022 remaining high at 25.09%. Furthermore, credit risk was recorded to have decreased with the non-performing loans (NPL) ratio of
tinggi yaitu 25,09%. Lebih lanjut, risiko kredit tercatat menurun dengan rasio kredit bermasalah (Non Performing Loan/NPL) yakni 2,44% (bruto) 0,71% (neto) pada Desember 2022. Likuiditas perbankan pada Desember 2022 tetap terjaga didukung oleh pertumbuhan Dana Pihak Ketiga (DPK) sebesar 9,01% (yoy).
Di tengah kondisi perekonomian tersebut, Direksi mampu menghadapi tantangan dan peluang yang terjadi dengan mencatatkan kinerja yang baik di tahun 2022. Pada tahun 2022, outstanding kredit konsumer tumbuh sebesar 4,06% (yoy) dengan volume sebesar Rp47,14 triliun. Total DPK tahun 2022 mencapai Rp38,49 triliun, meningkat 4,72% atau Rp1,74 triliun dibandingkan dengan tahun 2021 yang mencapai Rp36,75 triliun.
Pada tahun 2022, peningkatan kinerja operasional juga terlihat dari pencapaian jasa layanan bank bjb. Premi bancasssurance tahun 2022 mencapai Rp27,87 miliar, meningkat sebesar 34,61%
dibandingkan tahun 2021 mencapai Rp20,70 miliar. DPK bjb Prioritas tahun 2022 sebesar Rp13,47 triliun, meningkat 12,96%
dibandingkan dengan tahun 2021 yang sebesar Rp11,92 triliun.
Realisasi kinerja International and Transaction Banking secara keseluruhan pada tahun 2022 adalah Rp113,51 miliar yang terdiri dari fee based income sebesar Rp22,3 miliar dan interest income sebesar Rp91,2 miliar. Di sisi lain volume transaksi yang dikelola juga mengalami peningkatan sebesar 47,91% dari Rp3,73 triliun di tahun 2021 menjadi Rp5,51 triliun di tahun 2022.
Kinerja transaksi financial institution mengalami peningkatan sangat signifikan sebesar 94,98% secara Yoy dari tahun 2021.
Outstanding money market tahun 2022 mencapai Rp11,87 triliun, meningkat 14,92% dibandingkan dengan tahun 2021 sebesar Rp10,33 triliun. Dana Pensiun Lembaga Keuangan bank bjb juga mengalami peningkatan. Dana kelolaan DPLK bank bjb tahun 2022 mencapai Rp1,15 triliun, meningkat Rp626,83 miliar atau 120,06% dibandingkan tahun 2018 yang mencapai Rp783,01 miliar.
Pencapaian yang baik juga terlihat dari sisi keuangan. Pendapatan bunga dan syariah meningkat sebesar 3,19% dari sebesar Rp13,21 triliun di tahun 2021 menjadi sebesar Rp13,64 triliun di tahun 2022. Laba tahun berjalan meningkat sebesar 11,23%
dari sebesar Rp2,02 triliun di tahun 2021 menjadi sebesar Rp2,25 triliun di tahun 2022.
Selain kinerja operasional dan keuangan, tingkat kesehatan bank juga menjadi salah satu pertimbangan Dewan Komisaris dalam melakukan penilaian atas kinerja Direksi. Peringkat Komposit Tingkat Kesehatan bank bjb posisi 31 Desember 2022 berada pada PK 2 (Sehat). Kondisi bank bjb secara umum sehat, sehingga dinilai mampu menghadapi pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lainnya. Hal ini tercermin dari peringkat faktor penilaian antara lain profil risiko, penerapan tata kelola, rentabilitas, dan permodalan yang secara umum baik. Dalam hal terdapat kelemahan, maka secara umum kelemahan tersebut kurang signifikan.
2.44% (gross) to 0.71% (net) in December 2022. Banking liquidity in December 2022 was maintained supported by growth in Third Parties Funds (TPF) of 9.01% (yoy).
In the midst of these economic conditions, the Board of Directors was able to face the challenges and opportunities that occurred by recording good performance in 2022. In 2022, outstanding consumer loans grew by 4.06% (yoy) with a volume of IDR47.14 trillion. Total TPF in 2022 reached IDR38.49 trillion, an increase of 4.72% or IDR1.74 trillion compared to 2021 which reached IDR36.75 trillion.
In 2022, an increase in operational performance could also be seen from the achievement of bank bjb services. Bancasssurance premiums in 2022 reached IDR27.87 billion, an increase of 34.61% compared to 2021 reaching IDR20.70 billion. TPF of bjb Prioritas in 2022 reached IDR13.47 trillion, an increase of 12.96% compared to 2021 which amounted to IDR11.92 trillion.
Realization of International and Transaction Banking performance as a whole in 2022 was IDR113.51 billion consisting of fee- based income of IDR22.3 billion and interest income of IDR91.2 billion. On the other hand, the volume of transactions managed also increased by 47.91% from IDR3.73 trillion in 2021 to IDR5.51 trillion in 2022. The performance of financial institution transactions experienced a very significant increase of 94.98%
YoY from 2021 The outstanding money market in 2022 reached IDR11.87 trillion, an increase of 14.92% compared to 2021 which reached IDR10.33 trillion. bank bjb Financial Institution Pension Fund also experienced an increase. Bank bjb Financial Institution Pension Fund managed funds in 2022 reached IDR1.15 trillion, an increase of IDR626.83 billion or 120.06% compared to 2018 which reached IDR783.01 billion.
This good achievement was also seen from a financial perspective.
Interest and sharia income increased by 3.19% from IDR13.21 trillion in 2021 to IDR13.64 trillion in 2022. Profit for the year increased by 11.23% from IDR2.02 trillion in 2021 to IDR2.25 trillion in 2022.
In addition to operational and financial performance, the soundness level of the bank was also one of the considerations for the Board of Commissioners in evaluating the performance of the Board of Directors. Bank bjb Composite Rating for December 31, 2022 was at CR-2 (General Sound). The condition of bank bjb was General Sound, so it was considered capable of facing significant negative influences from changes in business conditions and other external factors. This was reflected in the ranking of assessment factors including risk profile, implementation of good governance, profitability and capital which were generally good. In the event that there were weaknesses, in general these weaknesses were less significant.
tahun 2022 yaitu Peningkatan Rating Pefindo dan Fitch, rating Pefindo 1 Notch menjadi idAA, rating Fitch 1 Notch menjadi AA-.