Lebih Besar, Lebih Kuat, Lebih Baik bank bjb · PT. Tranka Kabel 24 Sept 08 and 29 Juli 09 Des...
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Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 1Q13 Analyst Meeting
Transcript of Lebih Besar, Lebih Kuat, Lebih Baik bank bjb · PT. Tranka Kabel 24 Sept 08 and 29 Juli 09 Des...
Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb 1Q13 Analyst Meeting
2
Pg. 5 Ringkasan Kinerja
Pg. 10 Detail Kredit
Pg. 16 Detail Dana Pihak Ketiga
Pg. 17 Kualitas Aktiva
Pg. 20 Analisa Imbal Hasil
Pg. 23 Performa Kredit Mikro
Pg. 32 Performa Bank bjb Syariah
Pg. 38 Profil Perusahaan
Daftar Isi
2
3
0
5
10
15
20
25
6000
7000
8000
9000
10000
11000
12000
13000
Yie
ld (
%)
USD
IDR
USDIDR 10yr Govt Bonds Yield
0
2
4
6
8
10
12
14
16
18
(%)
CPI 1mth JIBOR
60
70
80
90
100
110
120
130
Ind
ex
(po
ints
)
Consumer Confidence Index
0
2
4
6
8
10
12
14
(%)
GDP Growth BI Rate
Ekonomi Makro
Indeks Kepercayaan Konsumen Terjaga Baik PDB +6.1% YoY, BI Rate 5.75%
Pelemahan Rupiah, Koreksi Harga Obligasi Inflasi Naik Akibat Kenaikan Harga Pangan
3
-
5.0
10.0
15.0
20.0
25.0
30.0
35.0
40.0
45.0
Yo
Y G
row
th (
%)
Total Loans Total Deposit
(10.0)
-
10.0
20.0
30.0
40.0
50.0
60.0
Yo
Y G
row
th (
%)
Investment Loans Working Capital Loans Consumer Loans
4
Sektor Perbankan
Feb ‘12 Feb ‘13 YoY (%)
Total Kredit 2,217 2,736 23.4
Total DPK 2,763 3,207 16.0
LDR 80.2 85.3 +5.1
NPL 2.3 2.0 -0.3
ROA 3.6 3.0 -0.6
Pada bulan Feb‘13, data sektor perbankan
menunjukkan:
• Kredit 23.4%YoY to Rp2,736tr (Kredit Investasi
+25.4% YoY, Kredit Modal Kerja +24.5%, Kredit
Konsumsi+20.2%)
• Deposit +16.0% YoY to Rp3,207tr (CASA +19.8% YoY,
Time Deposit +11.6% YoY, CASA Ratio 56.3%)
• NPL -30bps YoY to 2.0%
• ROA -69bps YoY to 3.0%
4
Ringkasan Kinerja
5
• Pendapatan Bunga Bersih Rp 1.15 Tr (+37.7% YoY/ +34.7% QoQ)
• Laba Operasional Sebelum CKPN Rp 562 miliar (+37.4% YoY/ +94.5% QoQ)
• Beban CKPN at Rp 94 miliar (+168.0% YoY/ -29.7% QoQ)
• Laba Bersih at Rp 372 miliar (+37.5% YoY/ +50.0% QoQ)
Laba Rugi
• Total Kredit at Rp 37.8 Tr (+36.0% YoY/ +6.9% QoQ)
• Total Pembiayaan Syariah at Rp 3.1 Tr (+70.3% YoY/ +3.7 QoQ)
• Total DPK Rp 48.9 Tr (-4.6% YoY/ -3.3% QoQ)
• Total Aset Rp 68.4 Tr (+7.4% YoY/ -3.4% QoQ)
Neraca
• NIM 8.2% (+160 bps YoY/ +143bps QoQ)
• ROA (net) 2.4% (+41bps YoY/ +42bps QoQ)
• ROE (net) 24.2% (+411bps YoY/ +292bps QoQ)
• NPL Gross 2.1% (+ 91 bps YoY/ +5bps QoQ)
Rasio Keuangan
(bank)
Target vs. Realisasi
6
Target 1Q13
Loans Growth 25% - 28% 36.0
Deposit Growth 18% - 22% -4.6
ROA (net) 1.8% - 2.0% 2.4
ROE (net) 20% - 22% 24.1
NIM 6.8% - 7.2% 8.2
Cost of Fund 5.0% - 5.5% 4.7
Cost to Income Ratio 51% - 54% 55.2
Gross NPL 1.5% - 2.0% 2.1
Credit Cost 1.0% - 1.4% 1.2
CASA Ratio 40% - 45% 50.0
Rasio Keuangan (bank)
Rasio Penting 1Q12 2Q12 3Q12 4Q12 1Q13
Profitabilitas
ROA (net) 2.0 2.1 2.1 1.9 2.4
ROE (net) 20.1 22.6 23.1 21.3 24.1
Rasio Biaya
Cost to Income Ratio 51.5 51.1 52.3 54.4 55.2
BOPO 75.8 75.9 76.8 80.0 74.6
Imbal Hasil
Asset Yield 12.1 12.5 12.5 12.0 12.8
Cost of Fund 5.8 5.5 5.3 5.2 4.6
NIM 6.5 6.9 7.1 6.8 8.2
LDR 56.3 65.5 65.0 74.1 83.2
Kualitas Aset
Dalam Perhatian Khusus 3.1 2.6 3.6 3.0 3.9
Gross NPL 1.2 1.4 1.7 2.1 2.1
Net NPL 0.8 0.6 0.5 0.5 0.7
Coverage Ratio 143.8 121.3 116.4 82.9 78.1
CKPN/Total Kredit 1.7 1.7 2.0 1.7 1.6
Credit Cost 0.5 1.0 1.0 1.2 1.2
Permodalan
CAR 19.6 18.4 18.4 18.1 17.2
7
Laporan Laba Rugi
(Rp miliar) 1Q12 1Q13 YoY (%) 4Q12 1Q13 QoQ (%)
Pendapatan Bunga 1,598 1,889 18.2 1,704 1,889 10.8
Beban Bunga (769) (735) -4.5 (847) (735) -13.3
Pendapatan Bunga
Bersih 838 1,154 37.7 857 1,154 34.7
Fee Based Income 44 64 44.4 70 64 -8.4
Beban Operasional (474) (655) 38.2 642 (655) 2.1
Laba (Rugi) dalam
Instrumen Keuangan 1 (1) - 4 (1) -113.2
PPOP 409 562 37.4 289 562 94.5
Beban CKPN (35) (94) 168 (134) (94) -29.7
Pendapatan Non
Operasional (1) - - 163 - -100.0
Laba Sebelum Pajak 373 468 25.6 318 468 47.1
Beban Pajak (102) (96) -5.8 (71) (96) 36.5
Laba Bersih 270 372 37.5 248 372 50.0
Laporan Laba Rugi
8
Neraca
9
Ringkasan Neraca
(Rp miliar) 1Q12 2Q12 3Q12 4Q12 1Q13 YoY (%)
Kas atau Setara Kas 1,288 1,482 1,380 1,795 1,570 21.9
Giro pada Bank
Indonesia 4,308 4,828 4,279 4,666 3,659 -15.0
Cadangan Sekunder 27,118 19,996 25,047 24,075 19,887 -26.7
Kredit-net 27,339 30,701 32,142 34,769 37,198 36.0
Pembiayaan Syariah-
net 1,764 2,012 2,391 2,880 2,965 68.1
Aktiva Tetap-net 548 550 520 735 1,002 82.9
Aktiva Lain-lain 1,316 1,686 1,949 1,921 2,126 61.6
Total Aktiva 63,680 61,255 67,708 70,841 68,407 7.4
Total DPK 51,276 49,799 52,724 50,608 48,638 -5.1
Surat Berharga
yang Diterbitkan 2,744 2,744 2,395 2,395 2,395 -12.7
Pinjaman Diterima 2,802 2,151 5,581 8,980 9,036 222.5
Lainnya 1,793 1,166 1,266 2,849 2,625 46.4
Total Kewajiban 58,615 55,860 61,966 64,832 62,695 7.0
Total Ekuitas 5,065 5,395 5,742 6,009 5,713 12.8
15.1 15.7 15.4 16.0 16.7 18.0 18.5 19.2 19.7
21.4 21.8 22.6 24.5
1.0 1.3 2.0
2.4 2.5
2.7 2.9
3.0 3.1
3.6 4.1
4.5
5.1
2.9 3.3 3.5
3.7 3.7
4.2 4.6
4.4 4.3
5.3 5.6
6.3
5.8
0.1 0.1 0.1
0.1 0.1
0.1 0.2 0.5
0.7
0.9 1.2
1.7
2.3
0
5
10
15
20
25
30
35
40
(Rp tr)
Consumer Micro Commercial Mortgage
Detail Kredit (bank)
Segmen
(Rp miliar) 1Q ‘12 1Q ’13
YoY
(%)
Konsumer 19,748 24,504 24.1%
Mikro 3,065 5,069 65.4%
Komersial 4,343 5,799 33.5%
KPR 663 2,287 244.8%
Total Kredit Gross 27,819 37,659 35.4%
Mata Uang
(Rp miliar) 1Q ‘12 1Q ’13
YoY
(%)
Rupiah 27,565 37,431 35.8
Valas 254 228 -10.2
10
Kredit Konsumer
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 19,748 24,504 24.1
Ekspansi Neto
(Rp miliar) 579.2 1,877.6 324.2
Rata-rata
Outstanding per
Debitur
(Rp miliar)
55 71 29.6
Jumlah Debitur 360,062 344,672 -4.3
Tingkat Suku
Bunga 15.00%-18.48% % eff. p.a
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 0.19 0.27 +0.08
NPL 0.11 0.12 +0.01
11
14.6 15.3 14.92 15.5 16.3 17.5 18.0 18.6 19.2
20.8 21.2 21.8 23.4
0.45 0.45 0.43
0.44 0.45
0.47 0.50
0.54
0.56
0.60 0.63 0.80
1.11
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
(%)
(Rp tr)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
0.6 0.7 1.0
1.0 1.0 1.1 1.2 1.2 1.4
1.9 2.3
2.7
3.2
0.1
0.3 0.7 0.9
1.0 1.1 1.1
1.1
1.1
1.1
1.2
1.2
0.4 0.5
0.7
0.7 0.7
0.7 0.7 0.6
0.6
0.6
0.7
0.6
0.6
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
-
1.0
2.0
3.0
4.0
5.0
6.0
(%)
(Rp tr)
KMU (LHS) Govt Program (LHS)
Others (LHS) NPL (RHS)
Kredit Mikro
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 3,065 5,069 65.4
Ekspansi Neto
(Rp miliar) 90.1 523.9 581.7
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46 56 22.4
Jumlah Debitur 66,722 90,128 35.1
Tingkat Suku
Bunga 22% - 27% eff. p.a.
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 10.8 15.6 +3.1
NPL 3.7 5.7 +1.5
*Kredit Mikro Utama
12
1.9 2.3 2.5 2.6 2.6
3.0 3.3 3.2 3.0
3.9 4.3
4.5
3.9 0.5
0.5 0.5
0.6 0.6
0.6
0.6 0.6
0.6
0.5
0.6
1.0
1.2
0.5
0.5 0.5
0.5 0.5
0.6
0.6 0.6
0.8
0.8
0.7
0.8
0.8
-
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
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
(%)
(Rp tr)
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Kredit Komersial
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 4,343 5,799 33.5
Ekspansi Neto
(Rp miliar) -59.3 -537.7 907.6
Rata-rata
Outstanding per
Debitur
(Rp miliar)
449 631 40.6
Jumlah Debitur 9,677 9,189 -5.0
Tingkat Suku Bunga 6.3% -14.5% eff. p.a
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 10.1 7.2 -2.9
NPL 4.5 7.0 +2.5
13
NPL Kredit Komersial
14
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL Outstanding Penyelesaian
PT. Rekapastika Asri 20th April 10 May '12 23,177 Telah dilunasi
Debitur
Tanggal
Persetujuan
Kredit
Menjadi NPL Outstanding Usaha Penyelesaian
PT. Pracico Multi Finance 19 Juli 11 Des '12 Penagihan aktif dan pasif serta rencana restrukturisasi
setelah upaya merelokasi armada bus kepada user lain
PT. Cipta Inti Parmindo 23 Juni 11 Des ’12 68,369 Upaya hukum dengan Kejagung
PT. Tranka Kabel 24 Sept 08 and
29 Juli 09 Des ’12 58,811 Menunggu keputusan akuisisi usaha ybs oleh investor
CV Mandala Jaya Farm 25 Juli 11 Mei ’12 9,240 Menunggu keputusan akuisisi usaha ybs oleh investor
CV. Pasadena Mandiri Sakti 30 April’08 Jun ’12 7,239 Tahap negosiasi penjualan aset tidak produktif
PT. Karya Putra Pertama 14 Maret 08 Mar '09 3,793 Usaha penjualan agunan
Minaut Lintas Nusantara 4 Agustus 10 Nov '12 3,629 Usaha penjualan agunan
PT. Hokasa Mandiri 9 November 11 Agustus '12 3,490 Usaha penjualan agunan
Total 226,641
72 80 78 91 108 140 195
453
663
941
1,215
1,721
2,287
-
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
-
500
1,000
1,500
2,000
2,500
(Rp
bn)
Mortgage Loans (LHS) NPL (RHS)Indikator Utama 1Q ‘12 1Q ’13
YoY
(%)
Outstanding 663 2,287 244.8
Ekspansi Neto
(Rp miliar) 210.7 566.0 268.6
Rata-rata Outstanding
per Debitur
(Rp miliar)
237 269 13.6
Jumlah Debitur 2,798 8,495 203.6
Tingkat Suku Bunga 7.25% - 13.75% eff. p.a.
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 6.6 9.2 +2.6
NPL 0.2 3.0 +2.8
Kredit Pemilikan Rumah (KPR)
15
9.2 10.7 10.3 7.5
10.0 10.0 10.8 11.0 12.0 11.7 15.7 14.5 15.5
3.2 3.4 3.5
4.7 3.8 4.0
4.4 6.0 5.0 6.0
6.3 8.7 7.1 15.6
17.9 19.2 18.9
19.1 20.9
23.5 20.0
32.4 30.0
28.5 24.3 22.6
0
10
20
30
40
50
60
(Rp tr)
Current Account Savings Account Time Deposit
Detail DPK (bank)
Detail DPK
(Rp miliar) 1Q ‘12 1Q ’13
YoY
(%)
Giro 12,043 15,474 28.5%
Tabungan 5,018 7,149 42.5%
Deposito 32,351 22,620 -30.1%
TOTAL 49,413 45,243 -8.4%
Rasio CASA (%) 34.5% 50.0% +10.8%
Mata Uang
(Rp miliar) 1Q ‘12 1Q ’13
YoY
(%)
Rupiah 49,172 44,970 -8.5
Valas 241 273 13.3
16
Kualitas Aktiva
Gross NPL (%)
(Bank) Mar‘12 Mar ’13
Total Hapus
Buku 1Q12
(Rp miliar)
Konsumer 0.11 0.12 1.9
Mikro 3.7 5.7 59.9
Komersial 4.5 7.0 53.2
KPR 0.2 3.0 -
Total 1.2 2.1 115.0
17
551 527
593 575
701 699
754
508 480
534
648
603 621
373 368
403 406
516
587
679
324 334
441
557
728
796
0
20
40
60
80
100
120
140
160
180
-
100
200
300
400
500
600
700
800
900
Covera
ge R
atio (
%)
(Rp b
n)
Credit Provision (LHS) Absolute NPL (LHS)
Coverage Ratio (RHS)
2.0 1.8 1.9 1.8
2.2 2.3 2.6
1.2 1.2 1.4
1.7
2.1 2.1
0.4 0.2 0.2 0.3
0.5 0.7 0.8
0.4 0.2
0.6 0.5 0.5 0.7
-
0.5
1.0
1.5
2.0
2.5
3.0
(%)
Gross NPL Net NPL
Kredit Dalam Perhatian Khusus
18
13 12 7 8 9
6 7 4 4 5 4 4 4
32 33
34 37
42 47
61
52
39 43 44
54 53
51 51 56 54
46 46
28
42
51 45 44
32 28
4 4 3 1 2
2 4
2 5 7 7 9
14
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Specia
l M
ention C
ontr
ibution (
%)
Consumer Micro Commercial Mortgage
26 25 24 21 33 25 28 19 37 37 51 46 67 67 68 109 95
147 195 247 278
332 344
524 570
790
105 103
182 138
159 190 113
224
438 365
516 339
420
8 8
8 3
7
7 15
9
44 60
88
96
210
-
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
Specia
l M
ention L
oans (
%)
Absolu
te S
pecia
l M
ention L
oans (
Rp b
n)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
Non Performing Loans
19
6 6 5 5 4 4 3 7 7 5 5 4 4
9 11 15 14 15 17 22
24
34 31
36
26
36
84 81 78 79 79 78
73 65
59 63 53
64
51
2 2 2 2 2 2
2
4 0 1
6 7 9
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
ontr
ibution (
%)
Consumer Micro Commercial Mortgage
21 23 20 19 22 24 24 23 22 22 27 29 30 34 39 62 58 75 98
149
78 114 137
201 186
289
312 299 313 320
409
455
495
211
196
277
297
464
408
6 7 8 9
10
10
11
12 2
5
32
48
68
-
0.5
1.0
1.5
2.0
2.5
3.0
-
100
200
300
400
500
600
700
800
900
NP
L (
%)
Absolu
te N
PL (
Rp b
n)
Consumer (LHS) Micro (LHS)
Commercial (LHS) Mortgage (LHS)
% to Loans (RHS)
Analisa Imbal Hasil
(Rp miliar) 1Q12 1Q13 YoY (%)
Rata-rata Aktiva
Produktif 50,402 54,944 9.0
Imbal Hasil Aktiva 12.1 12.8 +0.7
Rata-rata Liabilitas
Berbiaya Bunga 50,019 54,384 8.7
Cost of Fund 5.5 4.7 -0.8
NIM 6.6 8.2 +1.6
• NIM 8.2% (+157bpsYoY/ +140bps QoQ)
• Cost of Fund 4.7% (-84bps YoY/-55bps QoQ)
• Asset Yield 12.8% (+72bps YoY/ -76bps QoQ)
• Proporsi kredit terhadap aktiva produktif 65.9%
(+152bps YoY/ +627bps QoQ)
20
4.0
4.5
5.0
5.5
6.0
6.5
7.0
7.5
8.0
8.5
9.0
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
(%)
(%)
Asset Yield (LHS) CoF (RHS) NIM (RHS)
Basis Nasabah
Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik
21
42 41 40
24
58
48 45
25
40 47 49
26
52
39 42 42
54
26
34 37
50
41
34 32
49
26
19 17 18 22
16 19 18 25
19 19 19 24 22
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Fu
nd
ing
Pro
po
rtio
n (
%)
Government Corporate Retail
89 87 86 84 84 83 82 82 82 80 79 77 76
10 11 12 12 13 14 15 15 15 16 18 19 20
1 1 2 3 3 3 3 2 2 3 3 2 2
0 0 0 0 0 0 0 0 1 1 1 1 2
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Lendin
g P
roport
ion (
%)
Consumer Micro Commercial Mortgage
22
Kecukupan Modal
Aktiva
Tertimbang
Menurut Resiko
(ATMR)
1Q ‘12 1Q ’13 YoY
Total ATMR 22,881 27,527 20.3
Risiko Kredit 17,351 20,738 19.5
Risiko Operasional 5,191 6,254 20.5
Risiko Pasar 339 535 57.7
ATMR/Total Aktiva 37.2% 42.8% +5.6
tier-1 4,522 4,787 5.9
tier -2 (48) (62) 29.3
Total Modal 4,473 4,725 5.6
Tier-1 KPMM 19.8 17.4% (2.4)
Total KPMM 19.6 17.2% (2.4)
Analisa KPMM Bobot
Resiko
Penambahan
ATMR/
Rp1tr
Ekspansi
Neto
Dampak
Terhadap
KPMM
(%)
Kredit Konsumer 50% Rp.500bn 0.34
Kredit Mikro 75% Rp.750bn 0.49
Kredit Komersial 100% Rp.1tr 0.64
Kredit KPR 40% Rp.400bn 0.28
• Total CAR at 16.8% (-280bps YoY/ -128bps QoQ)
• Total modal inti Rp4.7triliun setelah dikurangi
cadangan pembagian dividen
22
Sumber Pertumbuhan Baru
Kredit Mikro
23
Performa Kredit Mikro
• Kredit mikro berada pada posisi Rp 5.1 tr(+65.4% YoY/ +11.5% QoQ)
• Ekspansi net Rp 2.0tr YoY / Rp523.8bn QoQ
• Kontribusi terhadap total kredit 13.5% (+244bps YoY/ +56bps QoQ)
Pertumbuhan
• Kredit dalam perhatian khusus 15.6% (+475bps YoY/ +305bps QoQ)
• Nilai kredit dalam perhatian khusus Rp 790miliar (+Rp 458miliar YoY/ +Rp220miliar QoQ)
• NPL 5.7% (+197bps YoY/ +161bps QoQ)
• Nilai NPL Rp 289.4 miliar (+Rp 174.9miliar YoY/ + Rp103.3miliar QoQ)
• Total Hapus Buku Rp 242 miliar selama 1 tahun terakhir
Kualitas
24
Kredit Mikro
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 3,065 5,069 65.4
Ekspansi Neto
(Rp miliar) 154.7 479.6 310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
46 56 22.4
Jumlah Debitur 66,722 90,128 28.5
Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit FY11 FY12 YoY
Dalam Perhatian
Khusus 9.4 12.5 +3.1
NPL 2.6 4.1 +1.5
*Kredit Mikro Utama
25
1.0
1.3
2.0
2.4 2.5
2.7 2.9 3.0
3.1
3.6
4.1
4.5
5.1
3.3 3.0 3.0
2.4
3.0
3.6
5.1
2.6
3.7 3.8
4.9
4.1
5.7
0.0
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)
Total Micro Loans NPL
Kredit Mikro Utama
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 1,359 3,229 137.7
Ekspansi Neto
(Rp miliar) 154.7 479.6 310.0
Rata-rata
Outstanding per
Debitur
(Rp miliar)
29 47 64.2
Jumlah Debitur 47,287 68,439 44.7
Tingkat Suku Bunga 22% - 27% eff. p.a.
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 12.5 17.6 +5.1
NPL 2.3 5.3 +3.0
26
0.6 0.7
1.0 1.0 1.0 1.1
1.2 1.2
1.4
1.9
2.3
2.7
3.2
3.7 4.1 4.2
3.9
4.9 5.4
5.9
2.3 2.3 2.5
3.8 3.7
5.3
0.0
2.0
4.0
6.0
8.0
10.0
12.0
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
(%)
(Rp tr)
Kredit Mikro Utama (LHS) NPL (RHS)
Program Pemerintah
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 1,128 1,200 6.4
Ekspansi Neto
(Rp miliar) -15.3 44.4 -
Rata-rata
Outstanding per
Debitur
(Rp miliar)
78 70 -10.7
Jumlah Debitur 14,454 17,213 19.1
Tingkat Suku Bunga 8.3% -14.0% eff. p.a
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 12.6 14.3 +1.7
NPL 5.5 7.3 +1.8
- Kredit Cinta Rakyat 8.3% eff. p.a.
- Kredit Usaha Rakyat 13% eff. p.a.
27
0.0 0.1
0.3
0.7
0.9
1.0
1.1 1.1 1.1 1.1 1.1
1.2 1.2
0.0 0.4
1.3
3.1 2.7
5.5
6.0
8.4
5.9
7.3
0
2
4
6
8
10
12
-
0.2
0.4
0.6
0.8
1.0
1.2
1.4
(%)
(Rp tr)
Government Program (LHS) NPL (RHS)
Kredit Mikro Lainnya
Indikator Utama 1Q ‘12 1Q ’13 YoY
(%)
Outstanding 579 640 10.6
Ekspansi Neto
(Rp miliar) -49.4 -0.2 -
Rata-rata Outstanding
per Debitur
(Rp miliar)
116 143 23.1
Jumlah Debitur 4,981 4,476 -10.1
Tingkat Suku Bunga 10.5% - 18.04% eff. p.a.
Kualitas Kredit 1Q ‘12 1Q ’13 YoY
Dalam Perhatian
Khusus 3.5 8.1 +4.6
NPL 3.7 4.7 +1.0
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
28
0.4
0.5
0.7 0.7 0.7 0.7
0.7
0.6
0.6
0.6
0.7 0.6 0.6
2.5 2.1
2.8 2.8
3.5 3.9
6.9
3.1
3.7 3.8
2.7 2.7
4.7
-
2.0
4.0
6.0
8.0
10.0
12.0
-
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
(%)
(Rp tr)
Others Micro Loans(LHS) NPL (RHS)
Kredit Mikro Dalam Perhatian Khusus
29
74 85 84 86
67 54 52 49
51
56 59
65 72
3
6
21
33 39
39 43
37 29
25
22
26
15 13 8
13 14 9 11
6 6 12 10
7
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Specia
l M
ention C
ontr
ibution (
%)
KMU Govt Programs Others
49 58 91 81 98 105 129 138
169 195
307 372
566.7
- -
3 6 31
64
96 110
142 128
153
140
171.7
17 11
15 8
18
27
22 31
20 22
64
58
51.6
6.5
5.3 5.3
4.0
5.8
7.1
8.5
9.4
10.8
9.5
12.7 12.5
15.6
0
2
4
6
8
10
12
14
16
18
-
100
200
300
400
500
600
700
800
900
(%)
Absolu
te S
pecia
l M
ention L
oans (
Rp b
n)
KMU (LHS) Govt Programs (LHS)
Others (LHS) Special Mention Loans (RHS)
Non Performing Loans Kredit Mikro
30
72
76 70
67 66 59
46 35 27
34 44
54 59
-
-
- 0 4
14
23 40 54
49
47
37 30
28 24
30 33 30
27 31
25 19 17
9 9 10
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NP
L C
ontr
ibution (
%)
KMU Govt Programs Others
24 30 44 39
50 58 69
28 31 47
89 101
171.4
- -
- 0 3
13
35
31
62
67
94 68
88.0
9 9
18 19
23
27
46
20
22
24
18
17
30.0
3.3
3.0 3.0
2.4
3.0
3.6
5.1
2.6
3.7 3.8
4.9
4.1
5.7
0
1
2
3
4
5
6
-
50
100
150
200
250
300
350
(%)
Absolu
te N
PL (
Rp b
n)
KMU (LHS) Govt Programs (LHS)
Others (LHS) NPL (RHS)
Proses Bisnis
Marketing Sales Prosesor Analis
Kredit Officer
Pemimpin
Cabang Pick-up Supervisi
2,125 97 277 434 36 352 464 248
Marketing Proses Kredit Penagihan
• Marketing Staff
•Customer Sales
• Processor •Credit Analyst
•Officer •Branch/Sub
Branch Manager
•Pick up Staff •Supervision
Staff
31
Kinerja Bisnis Syariah
1Q13 bank bjb Syariah
32
Ringkasan Kinerja
• Pendapatan Marjin Bersih Rp 70.2miliar (+58.7% YoY/ +11.3% QoQ)
• Biaya Operasional Rp70.2miliar (+71.8% YoY/ +6.7% QoQ)
• Laba Bersih Rp609mn (-79.8% YoY/ -83.4% QoQ) Laba Rugi
• Total Pembiayaan Rp3.1tr (+70.3% YoY/ +3.7% QoQ)
• Total Dana Pihak Ketiga Rp3.6tr (+80.7% YoY/ +6.4% QoQ)
• Total Aset Rp4.5tr (+68.9% YoY/ +5.9% QoQ) Neraca
• NIM 7.0% (-220bps YoY/ -40bps QoQ)
• ROA 0.1% (-80bps YoY/ -57bps QoQ)
• ROE 0.4% (-200bps YoY/ -220bps QoQ)
• NPF 4.4% (+300bps YoY/ +40bps QoQ)
Rasio (bank bjb Syariah)
33
Rasio Penting
Rasio Penting (%) 1Q ‘12 1Q ’13 YoY
CAR 29.7 21.4 -8.3
Gross NPF 1.4 4.4 +3.0
Net NPF 0.4 3.2 +2.8
ROA 0.9 0.1 -0.8
ROE 2.4 0.4 -2.0
NIM 9.2 7.0 -2.2
BOPO 90.3 98.4 +8.1
FDR 90.9 85.7 -5.2
34
Laporan Laba Rugi
Laporan Laba Rugi (Rp juta) 1Q ‘12 1Q ’13 YoY (%)
Pendapatan Marjin 77,898 121,673 56.2
Biaya Marjin (33,657) (51,474) 52.9
Marjin Bersih 44,241 70,199 58.7
Pendapatan Operasional Lainnya 1,025 1,200 17.1
Biaya Operasional (40,864) (70,219) 71.8
Pendapatan Operasional 4,402 1,180 (73.2)
Pendapatan Non Operasional (Biaya) 320 17 (94.7)
Laba Sebelum Pajak 4,722 1,197 (74.7)
Beban Pajak (1,703) (588) (65.5)
Laba Bersih 3,019 609 (79.8)
35
Neraca Keuangan
(Rp juta) 1Q ‘12 1Q ’13 YoY (%)
Kas atau Setara Kas 13,103 29,066 121.8
Giro Pada Bank Indonesia 97,712 162,282 66.1
Cadangan Sekunder 750,394 1,174,779 56.6
Pembiayaan – Net 1,763,961 2,964,927 68.1
Aktiva Tetap – Net 7,584 149,829 -
Aktiva Lain-lain 47,945 45,897 -4.3
Total Aktiva 2,680,699 4,526,780 68.9
DPK 1,980,995 3,580,309 80.7
Pinjaman yang Diterima 87,000 220,000 152.9
Lainnya 40,092 31,095 -22.4
Total Kewajiban 53,971 62,672 16.1
Total Ekuitas 2,162,058 3,894,076 80.1
Neraca Keuangan
(Rp juta) 518,641 632,704 22
Neraca
36
Kinerja Syariah
Pembiayaan Syariah 1Q ‘12 1Q ’13 YoY
(%)
Murabahah – (Trading) 869,959 1,607,216 84.7
Ijarah 47,928 11,718 -75.5
Pembiayaan 469,491 364,617 -22.3
Qardh – (Bridging) 407,254 1,077,863 164.7
Isthisna – (Pawning) 6,527 6,661 2.0
Total Pembiayaan 1,801,159 3,068,075 70.3
DPK 1Q ‘12 1Q ’13 YoY
(%)
Giro Wadiah 66,148 80,887 22.3
Giro Mudharabah - - -
Tabungan Wadiah 55,741 84,396 51.4
Tabungan Mudharabah 197,163 295,775 50.0
Deposito Mudharabah 1,661,943 3,119,251 87.7
Total DPK 1,980,995 3,580,309 80.7
37
1.01
1.40
1.60 1.60 1.56 1.64
1.77 1.80
2.06
2.45
2.96 3.07
0.83
1.06
1.32
1.15
1.39
1.70
2.22
1.98
2.25 2.37
3.36
3.58
-
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
(Rp
tr)
Total Financing Total Funding
Profil Perusahaan
bank bjb
38
Kepemilikan
Struktur Kepemilikan 1Q12 1Q13
Pendiri (Seri A) 75.00 75.00
Pemerintah Provinsi Jawa Barat 38,26 38,26
Pemerintah Kota/Kabupaten se-
Jawa Barat
23,61 23,61
Pemerintah Provinsi Banten 5,37 5,37
Pemerintah Kota/Kabupaten se-
Banten
7,76 7,76
Seri B (Publik) 25,00 25,00
Lokal Perorangan 7.3 4.4
Lokal Institusi 11.8 11.1
Perorangan Asing 0.0 0.0
Institusi Asing 5.9 9.5
38.26
23.61
5.37
7.76
25
West Java Provincial Government
West Java Municipal Government
Banten Provincial Government
Banten Municipal Government
Public (B Series)
39
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
A Strong Sustainable Growth and Profitable National Bank
40
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
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
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
Enhance
Communication
with Investors
Support Strategy
41
Jaringan Kantor
42
Banten Deposits 7.8 Tr
Loans 5.3 Tr
Profit 149 bn
44,903 Customers
8 Branch Offices
45 Sub Branches
24 Cash Offices
12 Payment Point
118 ATM Unit
65 Waroeng bjb
570Employees
West Java Deposits 30.8 Tr
Loans 27.6 Tr
Profit West Java 740bn, Loss Loss
Head Oficce 432 bn
1,730,600 Customers
32 Branch Offices
189 Sub Branch
106 Cash Offices
90 Payment Poin
669 ATM Unit
329 Waroeng bjb
4,148 Employees
Others
Deposits 1.4 Tr
Loans 1.2 bn
Profit 2.8 bn
34,133 Customers
13 Branch Offices
13 Sub Branch Offices
330 Employees
Jakarta Deposits 5.2 Tr
Loans 3.5 Tr
Profit 5.8 bn
371,030 Customers
9 Branch Offices
58Sub Branches
7 Cash Offices
1 Payment Point
92 ATM Unit
43 Waroeng bjb
481 Employees
Total bjb employees
5,529
Total bjb customers
2,180,666
Expansion Plan
+3 Branch Offices
(Malang,Yogyakarta
& Purwokerto)
+99 Sub Branches
+472 Cash Offices
+27 Payment Points
+526 ATM Units
Nov bjb Network 31-Mar-12 31-Mar-13 YoY
1 Branch 55 62 7
2 Sub Branch 213 304 91
3 Cash Offices 64 140 76
4 Payment Point 94 103 9
5 ATM 559 934 375
6 Waroeng bjb (A,B & C) 0 437 437
Type A 0 47 47
Type B 0 183 183
Type C/Functional Office 0 207 207
7 Priority Banking Services 4 11 7
8 Sentra UMKM 6 6 0
9 Weekend banking 9 12 3
10 foreign branches 23 33 10
11 Car Education 7 11 4
Total 1,034 2,490 1,456
Detail Jaringan Layanan
43
Sumber Daya Manusia
Berdasarkan Pendidikan
Berdasarkan Umur
Posisi Mar ’12 Mar ‘13 YoY
Dewan Komisaris 5 5 -
Direksi 5 5 -
Manajemen Puncak 25 31 6
Manajemen Madya 171 207 36
Manajemen Lini Pertama 942 1,296 354
Staf 1,352 3,989 2,637
MPP 7 6 -1
Total Permanent 2,507 5,539 3,032
Micro 1,529 3,105 1,576
Lain - lain 3,689 3,944 255
Total Non Permanent 5,218 7,049 1,831
Total 7,725 12,588 4,861
4.9
94.4
0.8
Up to High School Up to Bachelor Degree
Masters and Doctorate
75.0
14.7
1.1
<30 31 - 40 41 - 55
44
Penghargaan Tahun 2012
Mark Plus Conference:
Indonesia Marketing
Champion 2012
Annual Report Award 2012
Infobank Awards 2012
The 4th IICD Corporate Governance
Conferences & Award: Best
Corporate Governance for Newly
Listed
Jamsostek Award:
Regional Strategic Partner 2012 Call Center Award for 2012
Indonesia Trusted Company
The Indonesian Institute for
Corporate Governance
SINDO People of The Year 2012
“CEO of The Year”
45
Profil Resiko
Jenis Resiko Profil Resiko Inherent Kualitas Manajemen Resiko Profil Resiko
Kredit Rendah ke Sedang Kuat Rendah
Pasar Rendah Kuat Rendah
Likuiditas Sedang Kuat Rendah ke Sedang
Operasional Rendah ke Sedang Memuaskan Rendah ke Sedang
Hukum Rendah ke Sedang Memuaskan Rendah ke Sedang
Reputasi Rendah Memuaskan Rendah
Strategis Rendah Kuat Rendah
Kepatuhan Rendah Kuat Rendah
Indeks Komposit Rendah
46
0
20
40
60
80
100
120
600
700
800
900
1000
1100
1200
1300
1400
Mill
ion
Sh
are
s
Rp
/sh
are
Volume (RHS) Price (LHS)
Performa Harga Saham
Grup Hubungan Investor
Menara bank bjb
7th Floor
Jl. Naripan 12 – 14
Bandung 40111
+6222 4234868
ext 7140/7141
Contact Person:
Hanel Topada
Pemimpin Grup
Irwan Riswandi
Manajer Senior
Ari Budiman
Manajer
47
Menara bank bjb
Jl. Naripan 12 – 14
7th Floor
Bandung 40111
Telp. +6222 4234868
