Lebih Besar, Lebih Kuat, Lebih Baik bank bjb · Diskon Pajak Sebesar 5% Bank bjb berhak mendapatkan...

Lebih Besar, Lebih Kuat, Lebih Baikbank bjb

3Q12 Analyst Meeting

Pg. 5 Ringkasan Kinerja

Pg. 11 Detail Kredit

Pg. 16 Detail Dana Pihak Ketiga

Pg. 17 Kualitas Aktiva

Pg. 20 Analisa Imbal Hasil

Pg. 23 Performa Kredit Mikro

Pg. 33 Performa Bank bjb Syariah

Daftar Isi

Pg. 33 Performa Bank bjb Syariah

Pg. 39 Profil Perusahaan

2

0

2

4

6

8

10

12

14

(%)

GDP Growth BI Rate

60

70

80

90

100

110

120

130

Ind

ex

(p

ts)

Consumer Confidence Index

Ekonomi MakroIndeks Kepercayaan Kembali MenguatBI Mempertahankan Tingkat BI Pada 5.75%

5

7

9

11

13

15

17

19

6000

7000

8000

9000

10000

11000

12000

13000

Yie

ld (

%)

US

DID

R

USDIDR 10yr Govt Bond

0

5

10

15

20

(%)

1mth JIBOR CPI

3

Obligasi Menguat Meski Rupiah MelemahInflasi Tetap Rendah dan Stabil

Sektor Perbankan

-

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

Yo

Y G

row

th (

%)

Loans Growth Deposit GrowthPada bulan Agustus 2012, sektor perbankan

menunjukkan:

• Pertumbuhan kredit +24.5%YoY ke level Rp2528tr

(Kredit Investasi +30.1% YoY, Kredit Modal Kerja

+23.3%, Kredit Konsumer +20%)

• DPK +21.4% YoY ke level Rp2,984tr (Giro dan

tabungan +27.5% YoY, Deposito +14.4% YoY, Rasio

Giro dan Tabungan 47.3%)

• NPL -57bps YoY ke 2.2%

-

10.0

20.0

30.0

40.0

50.0

60.0

Yo

Y G

row

th (

%)

Investment Loans WC Loans Consumer Loans Agustus2011

Agustus2012

YoY (%)

Total Kredit 2,031 2,528 24.5

Total DPK 2,459 2,984 21.4

LDR 82.2 84.7 2.5

NPL 2.77 2.2 (0.57)

ROA 2.98 3.07 0.09

• NPL -57bps YoY ke 2.2%

• ROA +9bps YoY ke 3.07%

4

Result Summary

• Net Interest Income Rp2.8tr (+23.2% YoY/ +3.1% QoQ)• Laba Operasional Sebelum CKPN Rp1.5tr (+18.6% YoY/-6.8% QoQ)• CKPN Rp269bn (+30.5% YoY/ +6.7% QoQ)• Laba bersih Rp945bn (+ 19.0% YoY/ +4.8 QoQ)

Laba Rugi

• Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ)

5

• Total Kredit Rp34.5tr (+ 27.8% YoY/ +5.6% QoQ)• Total DPK Rp52.7tr (+30.9% YoY/ +5.9% QoQ)• Total Aset Rp67.7tr (+25.8% YoY/ +10.5% QoQ)• Jumlah rekening 2.5mn (+58.6% YoY/ +0.7% QoQ)

Neraca

• NIM 7.1% (+36bps YoY/ +19bps QoQ)• ROA (net) 2.1% (-9bps YoY/ +5bps QoQ)• ROE (net) 23.1% (+211bps YoY/ +49bps QoQ)• Gross NPL 1.7% (-90bps YoY/ +29bps QoQ)

RasioKeuangan

(bank)

Target vs. Realisasi

Target 1Q12 2Q12 3Q12

Pertumbuhan Kredit 22% - 25% 21.6 26.4 27.8

Pertumbuhan DPK 15% - 18% 51.4 37.5 30.9

ROA (net) 1.8% - 2.0% 2.0 2.1 2.1

ROE (net) 18% - 20% 20.1 22.6 23.1

NIM 6.8% - 7.2% 6.5 6.9 7.1

6

NIM 6.8% - 7.2% 6.5 6.9 7.1

Cost of Fund 6.4% - 6.7% 5.8 5.5 5.3

Cost to Income Ratio

51% - 54% 51.5 51.1 52.3

Gross NPL 1.2% - 1.7% 1.2 1.4 1.7

Credit Cost 1.0% - 1.4% 0.5 1.0 1.0

Rasio CASA 40% - 45% 34.5 37.1 43.5

Rasio Keuangan

Rasio Penting 3Q11 4Q11 1Q12 2Q12 3Q12

Profitabilitas

ROA (net) 2.2 1.9 2.0 2.1 2.1

ROE (net) 21.0 18.5 20.1 22.6 23.1

Rasio Biaya

Cost to Income Ratio 48.9 51.6 51.5 51.1 52.3

BOPO 78.0 78.8 75.8 75.9 76.8

Imbal Hasil

Asset Yield 12.9 13.0 12.1 12.5 12.5

Cost of Fund 6.3 6.6 5.8 5.5 5.3

NIM 6.8 6.9 6.5 6.9 7.1

LDR 67.7 73.0 56.3 65.5 65.0

Kualitas Aset

Dalam Perhatian Khusus 1.5 2.1 3.1 2.6 3.6

Gross NPL 2.6 1.2 1.2 1.4 1.7

Net NPL 0.8 0.4 0.8 0.6 0.5

Coverage Ratio 111.0 155.5 143.8 121.3 116.4

Credit Cost 1.2 1.0 0.5 1.0 1.0

7

Laporan Laba Rugi(Rp bn)

9M11 9M12 YoY (%) FY11 2Q12 3Q12 QoQ (%)

Pendapatan Bunga 4,306 5,092 18.2 5,977 1,767 1,727 -2.2

Beban Bunga (2,035) (2,293) 12.7 (2,916) (792) (732) -7.5

Pendapatan BungaBersih 2,271 2,799 23.2 3,061 965 995 3.1

Fee Based Income 217 177 -18.6 193 78 55 -29.9

Beban Operasional (1,262) (1,522) 20.6 (1,721) (502) (546) 8.7

Laporan Laba Rugi

Laba (Rugi) dalamInstrumen Keuangan 9 11 22.4 11 5 5 0.0

PPOP 1,234 1,464 18.6 1,543 546 509 -6.8

Beban CKPN (206) (269) 30.5 (262) (113) (121) 6.7

Pendapatan Non Operasional 37 (0) (100.9) 39 (1) 2 -293.4

Laba Sebelum Pajak 1,065 1,194 12.2 1,320 432 390 -9.7

Beban Pajak (270) (249) -7.9 (357) (102) (44) -56.5

Laba Bersih 795 945 19.0 962 330 345 4.8

8

Struktur Kepemilikan Jumlah Saham %

Provinsi Jawa Barat 3,709,994,733 38.26%

Kabupaten Bandung 689,906,967 7.12%

Provinsi Banten 520,589,856 5.37%

Seri – A Lain 2,351,727,110 24.25%

Seri - B 2,424,072,500 25.00%

Total 9,696,291,166 100%

Diskon Pajak Sebesar 5%

Bank bjb berhak mendapatkandiskon pajak penghasilan (PPH) sebesar 5% sesuai denganPeraturan Menteri Keuangan No 238/PMK.03/2008, dimana haltersebut diatur pada pasal 2: • Minimum kepemilikan 40% olehpublik atau setara minimum 300 pemegang saham• Setiap pemegang saham memiliki

Total 9,696,291,166 100%

9

49.25%50.75%

Total Non - Controlling Shareholders Controlling Shareholders

• Setiap pemegang saham memilikikurang dari 5% kepemilikan• Minimum masa kepemilikan selama183 hari

Estimasi benefit pajak pada tahun2012 sebesar Rp72miliar denganasumsi Laba Sebelum Pajaksebesar Rp1.4triliun sesuaidengan Rencana Bisnis Bank

Neraca

Ringkasan Neraca(Rp bn)

3Q11 FY11 2Q12 3Q12 YoY (%) QoQ (%)

Kas atau Setara Kas 1,291 1,726 1,482 1,380 6.9 -6.9

Giro pada Bank Indonesia

3,471 3,674 4,308 4,279 23.3 11.4

Cadangan Sekunder 20,537 19,283 19,996 25,047 22.0 25.3

Kredit-net 27,027 28,223 32,713 34,533 27.8 5.6

Aktiva Tetap-net 510 560 550 520 2.0 -5.6

Aktiva Lain-lain 983 983 1,685 1,949 98.2 15.6

Total Aktiva 53,819 54,449 61,255 67,708 25.8 10.5

Total DPK 40,267 39,043 49,799 52,724 30.9 5.9

Surat Berharga yang Diterbitkan 3,742 2,743 2,744 2,395 (36.0) -12.7

Pinjaman Diterima 3,630 5,473 2,151 5,581 53.7 159.4

Lainnya 961 1,803 1,166 1,267 31.8 8.6

Total Kewajiban 48,599 49,062 55,860 61,966 27.5 10.9

Total Ekuitas 5,219 5,387 5,395 5,742 10.0 6.4

10

2.5

2.7 2.9

3.0 3.1

3.6 4.1

3.5 3.7

3.7

4.2 4.6

4.4 4.3

5.3 5.6

0.1 0.1

0.1

0.1 0.2

0.5 0.7

0.9

1.2

20.0

25.0

30.0

35.0

(Rp

tr)

Consumer Micro Commercial Mortgage

Detail Kredit (bank)

Segmen(Rp miliar)

3Q11 3Q 12YoY(%)

Konsumer 18,500 21,842 18.1

Mikro 2,920 4,117 40.9

Komersial 4,559 5,617 23.2

KPR 195 1,215 523.0

15.4 16.0 16.7 18.0 18.5 19.2 19.7

21.4 21.9

2.0 2.4

2.5

-

5.0

10.0

15.0

(Rp

tr)

11

Total Gross Loans 26,175 32,790 25.2

Mata Uang(Rp miliar)

3Q‘11 3Q ‘12YoY(%)

Rupiah 26,012 32,509 24.9

Valas 163 281 72.4

11

Kredit Konsumer

Indikator Utama 3Q11 3Q12YoY(%)

Outstanding 18,500 21,842 18,1%

Ekspansi Neto per Bulan

(Rp miliar)168 199 18,4%

Rata-rata Outstanding per

Debitur50 62.3 23,5%

0.45 0.43

0.44 0.45

0.47 0.50

0.54 0.56

0.60 0.63

0.60

0.70

0.80

0.90

1.00

15.0

20.0

25.0

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

1212

Debitur(Rp miliar)

Jumlah Debitur 366,637 350,347 -4,4%

Tingkat Suku Bunga 18.0% - 19.5% eff. p.a.

Kualitas Kredit 3Q11 3Q12 YoY

Dalam PerhatianKhusus

0,15 0,23 +0,08

NPL 0,13 0,13 -0,00

15.3 14.92 15.5 16.3

17.5 18.0 18.6 19.2 20.8 21.2

-

0.10

0.20

0.30

0.40

0.50

-

5.0

10.0

(%)

(Rp

tr)

1.1

1.1

0.7

0.7 0.7 0.6

0.6

0.6

0.7

5.0

6.0

7.0

8.0

9.0

10.0

2.5

3.0

3.5

4.0

4.5

(Rp

tr)

(Rp

tr)

Kredit Mikro Utama Government Program

KCR NPL (RHS)

Kredit Mikro


Outstanding 2,920 4,117 41,0%


(Rp miliar)(0.4) 182 -


Debitur(Rp miliar)

44.9 52.5 16,9%

0.7 1.0

1.0

1.0 1.1 1.2 1.2 1.4

1.9

2.3

0.1

0.3 0.7 0.9

1.0 1.1 1.1

1.1

0.5

0.7

0.7 0.7

0.0

1.0

2.0

3.0

4.0

5.0

-

0.5

1.0

1.5

2.0 (Rp

tr)

(Rp

tr)

13

Jumlah Debitur 64.966 78.348 20,6%

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



8.5 12.7 +4.2

NPL 5.1 4.9 -0.2

*Kredit Mikro Utama

Kredit Komersial


Outstanding 4,559 5,617 23,2%


(Rp miliar)107.5 34.5 -67,9%


Debitur(Rp miliar)

363 483 33,0%0.6

0.6

0.5

0.5 0.5

0.6

0.6 0.6

0.8

0.8

8.9 9.0 8.8

11.0 10.8 10.9

8.0

10.0

12.0

4.0

5.0

6.0

Working Capital (LHS) Investment (LHS)

Syndicated (LHS) NPL (RHS)

14

(Rp miliar)

Jumlah Debitur 12,556 11.633 -7,4%

Tingkat Suku Bunga 8% - 12% eff. p.a



2.5 9,2 +6,7

NPL 10.9 5,3 -5,6

2.3 2.5 2.6 2.6 3.0

3.3 3.2 3.0

3.9

0.5 0.5

0.6 0.6

0.6 0.6

0.6 0.5

0.5 0.5 0.5

4.8 4.5

5.2

-

2.0

4.0

6.0

-

1.0

2.0

3.0 (%)

(Rp

tr)


Outstanding 195 1,214 522,4%


(Rp miliar)15 106 610,8%

Rata-rata Outstanding per Debitur(Rp miliar)

177 241 36,3%

Kredit Pemilikan Rumah (KPR)

663

941

1,215

8.4

10.7 10.4

9.2

7.4

6.0

8.0

10.0

12.0

800

1,000

1,200

1,400

(%)

(Rp

bn)

Mortgage Loans (LHS) NPL (RHS)

15

Jumlah Debitur 1,104 5,040 356,5%

Tingkat Suku Bunga 8.75% - 13.75% eff. p.a.



7,7 7,3 -0,4

NPL 5,6 2,6 -3,0

80 78 91 108 140

195

453

663 5.6

2.6

0.2 0.5

2.6

-

2.0

4.0

6.0

-

200

400

600

(%)

(Rp

bn)

4.4

5.06.0

6.3

10.3 7.5 10.0

10.0

10.811.0

12.011.7

15.7

25.0

30.0

35.0

40.0

45.0

50.0

(Rp

tr)

Time Deposit Savings Account Current Account

Detail DPK (bank)

Detail DPK(Rp miliar)

3Q11 3Q12YoY(%)

Giro 10,772 15,678 45.5

Tabungan 4,356 6,275 44.0

Deposito 23,548 28,531 21.2

TOTAL 38,676 50,485 30.5

19.2 18.9 19.120.9

23.520.0

32.430.0 28.5

3.5 4.7 3.84.0

4.4

6.0

0.0

5.0

10.0

15.0

20.0

25.0

(Rp

tr)

16

TOTAL 38,676 50,485 30.5

Rasio CASA (%) 39.1 43.5

Mata Uang(Rp miliar)

3Q11 3Q12YoY(%)

Rupiah 38,246 50,277 31.4

Valas 430 207 -51.9

527

593 575

701 699

754

508 480

534

648

516

587

679

441

557

120

140

160

180

500

600

700

800

Credit Provision (LHS) Absolute NPL (LHS)

Coverage Ratio (RHS)

Kualitas Aktiva

Gross NPL (%) (Bank)

3Q11 3Q12Total HapusBuku 9M12 (Rp miliar)

Konsumer 0.13 0.13 1.9

Mikro 5.1 4.9 100.6

Komersial 10.9 5.3 39.5

KPR 5.6 2.6 9.4

1.8 1.9 1.8

2.2 2.3 2.6

1.2 1.2 1.4

1.7

0.2 0.2 0.3 0.5

0.7 0.8

0.4 0.2

0.6 0.5

-

0.5

1.0

1.5

2.0

2.5

3.0

(%)

Gross NPL Net NPL

368

403 406

324 334

441

0

20

40

60

80

100

-

100

200

300

400 (%)

(Rp

bn)

17

Total 2.6 1.7 151.6

Kredit Dalam Perhatian Khusus

516 44

88 3.1

2.6

3.6

2.5

3.0

3.5

4.0

1,000

1,200

1,400

Sp

eci

al

Me

nti

on

/To

tal

Loa

ns

(%)

Ab

solu

te S

pe

cia

l M

en

tio

n L

oa

ns

(Rp

bn

)

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

Mortgage (LHS) % to Loans (RHS)

51 56 54

46 46

28

42

51 45 44

4 3 1 2 2 4 2 5 7 7

60%

70%

80%

90%

100%

Spe

cial

Men

tion

Con

trib

utio

n (%

)


18

25 24 21 33 25 28 19 37 37 51 68 109 95

147 195 247 278

332 344

524

103

182 138

159

190 113

224

438 365

516

8

8

3

7

7 15

9

44

60

1.0

1.5

1.2

1.5

1.7

1.5

2.0

-

0.5

1.0

1.5

2.0

-

200

400

600

800

Sp

eci

al

Me

nti

on

/To

tal

Loa

ns

(%)

Ab

solu

te S

pe

cia

l M

en

tio

n L

oa

ns

(

12 7 8 9

6 7 4 4 5 4

33

34 37

42 47

61

52

39 43 44

0%

10%

20%

30%

40%

50%

60%

Spe

cial

Men

tion

Con

trib

utio

n (%

)

Non Performing Loans

98

149

22

24

24

2710

10

11

32

3.0

3.5

4.0

4.5

5.0

500

600

700

800

NP

L/T

otal

Loa

ns (

%)

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

Mortgage (LHS) % to Loans (RHS)

8178 79 79 78

7365

5963 53

2 2 2 2 2 2 4 0 1 6

60%

70%

80%

90%

100%

NP

L C

ontr

ibut

ion

(%)


19

299 313 320

409455

495

211 196

277 297

3962 58

75

78 114

137

201

23

20 19

2322

22

7

8 9

122

5

0.0

0.5

1.0

1.5

2.0

2.5

3.0

0

100

200

300

400

NP

L/T

otal

Loa

ns (

%)

(Rp

bn)

6 5 5 4 4 37 7 5 5

11 15 14 15 1722

24

3431

36

81

0%

10%

20%

30%

40%

50%

NP

L C

ontr

ibut

ion

(%)

7.0

7.5

8.0

12.0

13.0

14.0

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

Analisa Imbal Hasil

FY

• NIM 7.1% (+36bpsYoY/ +23bps QoQ)

• Cost of Fund 5.3% (-100bps YoY/-19bps QoQ)

• Asset Yield 12.5% (-40bps YoY/ +4bps QoQ)

• Kredit/total aktiva produktif 56.4% (-37%YoY/

-455bps QoQ)

5.0

5.5

6.0

6.5

8.0

9.0

10.0

11.0 (%)

(%)

20

(Rp bn) 3Q11FY

20113Q12

AverageEarning Asset

42,699 43,892 51,660

Asset Yield 12.9 13.0 12.5

AverageInterest Bearing

Liabilities41,392 42,693 52,109

Cost of Fund 6.3 6.6 5.3

NIM 6.8 6.9 7.1

11 12 12 13 14 15 15 15 16 18

0 0 0 0 0 0 0 1 1 1

70%

80%

90%

100%

No

of A

ccou

nt P

ropo

rtio

n (%

)


Basis Nasabah

Growing Micro Loans Customer Based Relatively Stable Funding Mix QoQ

42 42

26

34 37 34 32

17 18 22

16 19 1825

19 19 19

70%

80%

90%

100%

Fun

ding

Pro

port

ion

(%)

Government Corporate Retail

87 86 84 84 83 82 82 82 80 79

0%

10%

20%

30%

40%

50%

60%

No

of A

ccou

nt P

ropo

rtio

n (%

)

21

41 40

24

58

48 45

25

4047 49

42 42

54

37

50

41

0%

10%

20%

30%

40%

50%

60%

Fun

ding

Pro

port

ion

(%)

Kecukupan Modal

Risk Weighted Asset 3Q11 2Q12 3Q12

Risk Weighted Asset 17.291 25,235 25,197

Credit Risk 14.643 19,759 19,271

Operational Risk 2.416 5,191 5,191

Market Risk 231 284 735 CAR Analysis Risk

Addition to RWA/

Net Impact to CAR

•RWA for Market Risk +184% MoM due to new Bank

Indonesia regulation regarding credit rating

requirement for marketable securities. Our holding of

non-rated bonds has caused the increasing RWA.

• Total CAR stable at 18.4%

22

RWA/Total Asset 41,8% 42.9% 38.7%

tier-1 4.178 4,665 4,726

tier -2 (82) (21) (81)

Total Capital 4.096 4,644 4,645

Tier-1 CAR 24,2% 18.5% 18.8%

Total CAR 23,7% 18.4% 18.4%

CAR Analysis RiskWeighting

RWA/Rp1tr Net Expansion

to CAR(%)

Consumer Loans 50% Rp500bn 0.32

Micro Loans 75% Rp750bn 0.49

Commercial Loans 100% Rp1tr 0.67

Mortgage Loans 40% Rp400bn 0.25

Pendorong Pertumbuhan Baru

23

Kredit Mikro

Micro Loans Performance

• Overall micro loans growth at +41% YoY/ +13.4% QoQ)• Net expansion of Rp486bn QoQ• Loans portfolio contribution to total loans at 12.6%

(+140bps YoY/ +93bps QoQ)

Pertumbuhan

24

• Overall NPL at 4.9% (-23bps YoY/ +110bps QoQ)• Special Mention Loans at 12.7% (+427bps YoY/+325bps QoQ)• Absolute Special Mention Loans at Rp524bn

(Rp277bn YoY/ Rp180bn QoQ)• Absolute NPL at Rp201bn (+Rp51.8bn YoY/ +Rp64bn QoQ)

Kualitas

1.1

1.1

0.7

0.7 0.7 0.6

0.6

0.6

0.7

5.0

6.0

7.0

8.0

9.0

10.0

2.5

3.0

3.5

4.0

4.5

(Rp

tr)

(Rp

tr)

Kredit Mikro Utama Government Program

KCR NPL (RHS)

Kredit Mikro


Outstanding 2,920 4,117 41,0%


(Rp miliar)(0.4) 182 -


Debitur(Rp miliar)

44.9 52.5 16,9%

0.7 1.0

1.0

1.0 1.1 1.2 1.2 1.4

1.9

2.3

0.1

0.3 0.7 0.9

1.0 1.1 1.1

1.1

0.5

0.7

0.7 0.7

0.0

1.0

2.0

3.0

4.0

5.0

-

0.5

1.0

1.5

2.0 (Rp

tr)

(Rp

tr)

25

Jumlah Debitur 64.966 78.348 20,6%




8.5 12.7 +4.2

NPL 5.1 4.9 -0.2

*Kredit Mikro Utama

Kredit Mikro Utama


Outstanding 1,157 2,337 102,1%


(Rp miliar)6 160 2800,4%


25,3 40,0 57,9%

1.2 1.2

1.4

1.9

2.3

5.96.0

8.0

10.0

12.0

1.5

2.0

2.5

(%)

(Rp

tr)

Kredit Mikro Utama (LHS) NPL (RHS)

26

Jumlah Debitur 45.685 58.478 28,0%




11,2 13,1 +1,9

NPL 5,9 3,8 -2,1

0.7

1.0 1.0 1.0 1.1

1.2 1.2

4.1 4.23.9

4.95.4

2.3 2.3 2.5

3.8

0.0

2.0

4.0

6.0

-

0.5

1.0

(%)

(Rp

tr)

691.4

854.7

986.7

1,099.5 1,143.6

1,128.3 1,110.9

1,118.0

5.5 6.0

8.4

6.0

8.0

10.0

12.0

800.0

1,000.0

1,200.0

1,400.0

(%)

(Rp

bn)

Government Program (LHS) NPL (RHS)

Government Program


Outstanding 1,100 1.118 1,7%


(Rp miliar)9.2 15.6 68,9%


81,1 74,8 -7,7%

113.2

344.7

691.4

- - 0.0 0.4

1.3

3.1 2.7

5.5

-

2.0

4.0

6.0

-

200.0

400.0

600.0

(%)

(Rp

bn)

27

(Rp miliar)

Jumlah Debitur 13.558 14.941 10,2%

Tingkat Suku Bunga 8.3% - 13% eff. p.a.



8.7 13.7 +5, 7

NPL 3.1 8.4 +5, 3

- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.

454.4

664.2 673.2

662.6 684.0

663.8

628.0

578.6

630.1 661.7 6.9

5.0

6.0

7.0

8.0

500.0

600.0

700.0

800.0

(Rp

bn)

Others Micro Loans(LHS) NPL (RHS)

Other Micro Loans *)


Outstanding 664 662 -0.3


(Rp miliar)(15,2) 6.4 57.8


116 134 15.5

2.1

2.8 2.8

3.5 3.9

3.1

3.7 3.8

2.7

-

1.0

2.0

3.0

4.0

-

100.0

200.0

300.0

400.0 (%)

(Rp

bn)

28

Jumlah Debitur 5,723 4,929 -13.8

Tingkat Suku Bunga 5% - 19.57% eff. p.a.



3,4 9,7 +6,3

NPL 6,9 2,7 -4,2

* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas

Kredit Mikro Dalam Perhatian Khusus

- 3 6

21

33 39 39

43 37

29

15 13 8

13 14 9 11

6 6 12

60%

70%

80%

90%

100%

Spe

cial

Men

tion

Con

trib

utio

n (%

)

KMU (LHS) Govt Program (LHS) Others (LHS)

152.8

22.0

64.0

8.5

9.4

10.8

9.5

12.7

8.0

10.0

12.0

14.0

400.0

500.0

600.0

Abs

olut

e S

peci

al M

entio

n Lo

ans

(Rp

bn)

KMU (LHS) Govt Program (LHS)

Others (LHS) Special Mention Loans (RHS)

2929

85

84 86

67

54 52 49

51

56

59

0%

10%

20%

30%

40%

50%

Spe

cial

Men

tion

Con

trib

utio

n (%

)

57.8 91.4 81.5

98.1 105.1

129.0 137.7

169.4 194.5

307.3

-

3.4 5.8

30.6 63.7

95.6 109.7

142.4 127.7

10.6

14.6 7.7

18.5

26.7

22.5

30.9

20.2 22.0

5.3 5.3

4.0

5.8

7.1

-

2.0

4.0

6.0

8.0

-

100.0

200.0

300.0 (%)

Abs

olut

e S

peci

al M

entio

n Lo

ans

(Rp

bn)

Non Performing Loans Kredit Mikro

-

-0 4

14

23 40 54

49

47

24 30 33 30 27

31 25

19 17 9

60%

70%

80%

90%

100%

NP

L C

ontr

ibut

ion

(%)

KMU (LHS) Govt Program (LHS) Others (LHS)

18.0

3.6

5.1

3.7

3.8

4.9

4.0

5.0

6.0

150.0

200.0

250.0

Abs

olut

e N

PL

(Rp

bn)

KMU (LHS) Govt Program (LHS)

Others (LHS) NPL (RHS)

3030

76

70 67 66

59 46

35 27

34 44

40 54

0%

10%

20%

30%

40%

50%

NP

L C

ontr

ibut

ion

(%)

30.0 43.8 38.7

49.5 57.9

68.7

27.6 31.2 46.6

89.4

-

-0.2

3.0

13.3

34.6

31.1

61.7

66.9

93.7

9.4

18.5 19.0

22.9

26.7

46.0

19.6

21.6

23.7 3.0 3.0

2.4 3.0

3.6

2.6

-

1.0

2.0

3.0

-

50.0

100.0

(%)

Abs

olut

e N

PL

(Rp

bn)

Bertumbuhnya Jumlah Nasabah

Jumlah nasabah kredit mikro terus

berkembang seiring dengan ekspansi

Waroeng bjb . Dalam 1 tahun terakhir, bank

bjb menambah 13,382 nasabah baru.

50.0

60.0

70.0

80.0

90.0

No

of A

ccou

nt (

000)

Total Micro Kredit Mikro Utama

Government Program Others

3131

No. of Customer 3Q11 3Q12 YoY

Total Micro 64.966 78.348 +13.382

Kredit Mikro Utama 45.685 58.478 +12.793

Government Program 13.558 14.941 +1.383

Others 5.723 4.929 -794

-

10.0

20.0

30.0

40.0

50.0

No

of A

ccou

nt (

000)

Proses Bisnis

Marketing Proses Kredit Penagihan

• Staf

Marketing

• Sales

• Prosesor

•Analis Kredit

•Officer

• Pemimpin

Cabang

•Staf pick up

•Staf supervisi

SDM Marketing Sales ProsesorAnalisKredit

Officer Pemimpin

CabangPick-up Supervisi

NPL (%)

Total (Persons)

1,509 233 350 275 37 271 250 87 4.9

32

Kinerja Bisnis Syariah

33

3Q12 bank bjb Syariah

Ringkasan Kinerja

• Pendapatan Marjin Bersih Rp145bn (+31.8% YoY)• Biaya Operasional Rp134bn (+36.7% YoY)• Laba Bersih Rp10.8bn (-3.6% YoY)

Laba Rugi

• Total Pembiayaan Rp 2.4tr (+49.2% YoY)• Total Pembiayaan Rp 2.4tr (+49.2% YoY)• Total DPK Rp2.4tr (+38.9% YoY)• Total Aktiva at Rp 3.2tr (+37.4% YoY)

Neraca

• NIM 7.2% (-70bps YoY)• ROA 0.7 (-40bps YoY)• ROE 2.7% (-30bps YoY)• Gross NPF 4.8% (+310bps YoY)

RasioKeuangan

34

Rasio Penting

Rasio Penting (%) 3Q11 3Q12 YoY

CAR 31.8 25.4 -6.4

Gross NPF 1.7 4.8 +3.1

Net NPF 0.6 3.4 +2.8

ROA 1.1 0.7 -0.4

35

ROE 2.9 2.7 -0.3

NIM 7.9 7.2 -0.7

BOPO 85.9 90.5 +4.6

FDR 96.3 103.5 +7.1

Laporan Laba Rugi

Laporan Laba Rugi (Rp juta) 9M11 9M12 YoY (%)

Pendapatan Marjin 178,496 248,142 39.0

Biaya Marjin (68,250) (102,796) 50.6

Marjin Bersih 110,246 145,346 31.8

Pendapatan Operasional Lainnya 4,111 3,050 -25.8

36

Biaya Operasional (98,230) (134,245) 36.7

Pendapatan Operasional 16,127 14,151 -12.3

Pendapatan Non Operasional (Biaya) -31 246 -894

Laba Sebelum Pajak 16,096 14,397 -10.6

Beban Pajak (4,890) (3,599) -26.4

Laba Bersih 11,206 10,798 -3.6

Neraca Keuangan(Rp juta)

3Q11 3Q12 YoY (%)

Kas atau Setara Kas 13,388 19,681 47.0

Giro Pada Bank Indonesia 75,844 117,016 54.3

Cadangan Sekunder 592,404 608,704 2.8

Pembiayaan – Net 1,605,756 2,390,851 48.9

Aktiva Tetap – Net 5,649 16,152 185.9

Aktiva Lain-lain 38,987 49,777 27.7

Neraca

Total Aktiva 2,332,028 3,203,838 37.4

DPK 1,590,670 2,238,873 40.8

Pinjaman yang Diterima 152,064 253,058 66.4

Lainnya 70,009 83,487 19.3

Total Kewajiban 1,812,743 2,575,418 42.1

Total Ekuitas 519,285 628,420 21.0

37

1.6 1.6 1.5

1.6

1.7 1.8

2.0

2.4

1.6

2.2

2.0

2.3 2.2

2.0

2.5

3.0

Total Financing Total Deposit

Kinerja Syariah

Pembiayaan 3Q11 3Q12YoY(%)

Murabahah – (Trading) 783 1,119 42.9

Ijarah 151 16 (89.4)

Musyarakah 302 744 146.4

Mudharabah 190 168 (11.6)

Qardh – (Bridging) 210 395 88.1

Isthisna – (Pawning) 4 6 50.0

Total Pembiayaan 1,640 2,448 49.3

1.6 1.6 1.5

1.3

1.1

1.4

1.6

-

0.5

1.0

1.5

(Rp

tr)

38

Funding 3Q11 3Q12YoY(%)

Wadiah Current Account 56 76 35.7

Mudharabah Current Account

22 64 190.9

Wadiah Savings Account 60 69 15.0

Mudharabah Savings Account

146 197 34.9

Mudharabah Time Deposit

1,307 1,833 40.2

Total Funding 1,591 2,239 40.7

38

Profil Perusahaan

39

3Q12 bank bjb

Kepemilikan

Struktur Kepemilikan (%)

Pendiri (Seri A) 75.00

Pemerintah Provinsi Jawa Barat 38,26

Pemerintah Kota/Kabupaten se- JawaBarat

23,61

Pemerintah Provinsi Banten 5,37

Pemerintah Kota/Kabupaten se-Banten 7,76

West Java Provincial Government

West Java Municipal Government

Banten Provincial Government

Banten Municipal Government

Public (B Series)

Seri B (Publik) 25,00

Lokal Perorangan 6.14

Lokal Institusi 12.40

Perorangan Asing 0.03

Institusi Asing 6.44

40

38.26

23.61

5.37

7.76

25

Road Map

2011-2012 2013-2014 2015

Building/EstablishmentNew Infrastructures

Strategy Strategy

Leading in ServiceAs One of the Big Banks

A National BankLeading in Service and

Performance

Strategy

A Strong Sustainable Growth and Profitable National Bank

41

Developing HR Competence, IT Infrastructure, and organization for :o Micro & SME Financingo Consumer & Commercial Bankingo Treasury & International

Matching the 10 Biggest Banks in areas :o HR competence/ ITo Services o Bank bjb `incorporated`

Leading in Service and Performance 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

oImproving Loans Process

oStrengthening Our Position on Civil

oRebranding , oProviding Trade oAcquisition of Presence on West Java and Banten Area

oDeveloping Waroeng BJB

oMSME Financial Intitution Strategic Alliances and Acquisition

ProcessoRisk

Management and Debtor Rating System

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

oInsurance 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

EnhanceCommunication with Investors

Support Strategy

42

Pengukuran Profil Risiko Kantor Cabang

Branches Risk

Credit Risk

Market RiskCompliance Risk

Kedepan, bank bjb berupaya meningkatkan fungsimanajemen risiko dengan menerapkan pendekatanbaru terhadap profil risiko Kantor Cabang melaluipengukuran faktor – faktor sebagai berikut :• Risiko Pasar

Konsentrasi Special rate Deposito, rata – rata biayabunga, total penyaluran kredit valuta asing (valas)

• Risiko KreditNPL level, konsentrasi kredit, total penyaluran kreditper sektor ekonomi, total pencadangan kredit, pertumbuhan aset

• Risiko LikuiditasBranches Risk Management

Approach

Liquidity Risk

Operational Risk

Legal Risk

Strategic Risk

Reputational Risk

• Risiko LikuiditasPencairan Dana, Konsentrasi Dana Non PemerintahDaerah, rasio LDR

• Risiko StrategisPenerapan Balance Scorecard

• Risiko KepatuhanSelf Assessment Kantor Cabang

• Risiko OperasionalSelf Assessment Kantor Cabang

• Risiko HukumSelf Assessment Kantor Cabang

• Risiko ReputasiSelf Assessment Kantor Cabang

43

Jaringan Layanan

Jaringan Layanan bank bjb

Klasifikasi 2011 2Q12 3Q12 Expansion Plan in 2012 Realizat ion

Kantor Cabang 51 56 56 5 5

Kantor Cabang Pembantu(KCP)

203 215 215 96 12

Kantor Kas 55 81 114 85 59

Payment Point 89 95 97 23 8

Waroeng bjb 0 436 437 448 437

Mobile Cash 7 7 7 4 0

Layanan Mitra Prioritas 11 11 11 0 0Layanan Mitra Prioritas 11 11 11 0 0

Sub Total 416 901 937 661 521

ATM 528 598 674 472 146

)*bjb ATM can accessed by more than 167.000 ATM Bersama, ATM Prima/BCA, and Prima Debet Points

Kantor Cabang yang berlokasi di Luar Provinsi Jawa Barat dan Banten :

Jkt – Arthaloka Jkt – Hasyim Ashari Jkt – Mangga Dua Jkt - Rawamangun

Jkt – Kebayoran Baru Medan Denpasar Semarang

Makassar Pekanbaru Tegal Surabaya

Batam Balikpapan Solo Palembang

Banjarmasin Bandar Lampung

44

1.2

92.0

6.7

Up to High School Up to Bachelor Degree

Masters and Doctorate

Sumber Daya Manusia

Detail PendidikanPosisi 3Q11 3Q12

Komisaris 5 6

Direksi 6 6

Manajemen Puncak 19 29

Manajemen Madya 130 200

Manajemen Lini Pertama 780 1.109

64.2

20.4

15.5

<30 31 - 40 40 - 55

45

Detail Umur

Manajemen Lini Pertama 780 1.109

Staf 1,164 1,905

Masa Persiapan Pensiun 9 8

Total Permanen 2,113 3,251

Non Permanen 3,566 4,796

Total 5,679 8,047

Kinerja Harga Saham

Grup Hubungan InvestorMenara bank bjb

7th FloorJl. Naripan 12 – 14

Bandung 40111+6222 4234868

ext 7140/[email protected]

Contact Person: Hanel Topada

Pemimpin Bagian1000

1200

1400

1600

1800

2000

400

500

600

700

800

Mil

lio

n S

ha

re

Rp

/Sh

are

Volume (LHS) Price (RHS)

[email protected]

Irwan RiswandiManajer Senior

[email protected]

Ari BudimanManajer

[email protected]

Muhammad As’adi BudimanManajer Senior

[email protected]

46

0

200

400

600

800

1000

0

100

200

300

400

Mil

lio

n S

ha

re

Rp

/Sh

are

Menara bank bjbJl. Naripan 12 – 147th FloorBandung 40111Telp. +6222 4234868

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