Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 2Q13 Analyst Meeting
Daftar Isi Pg. 5
Ringkasan Kinerja
Pg. 10
Detail Kredit
Pg. 15
Detail Dana Pihak Ketiga
Pg. 16
Kualitas Aktiva
Pg. 19
Analisa Imbal Hasil
Pg. 23
Performa Kredit Mikro
Pg. 32
Performa Bank bjb Syariah
Pg. 37
Profil Perusahaan
2
Ekonomi Makro BI Rate Tetap Rendah Secara Walaupun Meningkat 75 bps GDP Growth
Historis
Indeks Kepercayaan Konsumen Tetap Tinggi Consumer Confidence Index
BI Rate
130
14
120 Index (points)
12 8 6 4
100 90 80
2
70
0
60
Pengaruh Global Terhadap Pelemahan Pasar Obligasi dan Rupiah
Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi
18 16 14 12 10 8 6 4 2 0
1mth JIBOR
USDIDR
10yr Govt Bonds Yield
13000
25
12000
20
11000
USDIDR
CPI
(%)
110
10000
15
9000
10
8000
5
7000 6000
0
3
Yield (%)
(%)
10
Sektor Perbankan Total Loans
Total Deposit
Pada bulan Mei‘13, data sektor perbankan
YoY Growth (%)
45.0 40.0
menunjukkan:
35.0
• Kredit 21.1%YoY to Rp 2,921tr (Kredit Investasi
30.0
+23.1% YoY, Kredit Modal Kerja +21.9%, Kredit
25.0 20.0
Konsumsi +18.5%)
15.0
• Deposit +14.8% YoY to Rp 3,293tr (CASA +15.6%
10.0
YoY, Time Deposit +13.9% YoY, CASA Ratio 55.3%)
5.0
• NPL -31bps YoY to 1.9%
-
• ROA -10bps YoY to 2.9% Investment Loans
Working Capital Loans
Consumer Loans
May‘12
May‘13
YoY (%)
Total Kredit
2,411
2,921
21.1
Total DPK
2,867
3,293
14.8
LDR
81.6
85.8
+3.2
NPL
2.2
1.9
-0.3
ROA
3.0
2.9
-0.1
60.0
YoY Growth (%)
50.0 40.0 30.0 20.0 10.0 (10.0)
4
Ringkasan Kinerja
Laba Rugi
• • • •
Pendapatan Bunga Bersih Rp 2.4 triliun (+32.8% YoY/ +7.5% QoQ) Laba Operasional Sebelum CKPN Rp 1.2 triliun (+22.9% YoY/ +8.7% QoQ) Beban CKPN at Rp 232 miliar (+56.3% YoY/ 46.0% QoQ) Laba Bersih at Rp 747 miliar (+24.5% YoY/ +1.1% QoQ)
Neraca
• • • •
Total Kredit at Rp 41.8 triliun (+33.9% YoY/ +10.6% QoQ) Total Pembiayaan Syariah at Rp 3.4 triliun (+64.3% YoY/ +10.5% QoQ) Total DPK Rp 55.1 triliun (+10.6% YoY/ +13.2% QoQ) Total Aset Rp 73.4 triliun (+19.9% YoY/ +7.3% QoQ)
Rasio Keuangan (bank)
• • • •
NIM at 8.2% (+127bps YoY/ -4bps QoQ) ROA (net) at 2.2% (+16bps YoY/ -13bps QoQ) ROE (net) at 24.4% (+171bps YoY/ +11bps QoQ) NPL Gross at 2.3% (+ 90bps YoY/ +20bps QoQ)
5
Target vs. Realisasi
Target
1Q13
2Q13
Loans Growth
25% - 28%
36.0
33.7
Deposit Growth
18% - 22%
-5.1
10.6
ROA (net)
1.8% - 2.0%
2.4
2.2
ROE (net)
20% - 22%
24.2
24.3
NIM
6.8% - 7.2%
8.2
8.2
Cost of Fund
5.0% - 5.5%
4.6
4.6
Cost to Income Ratio
51% - 54%
55.0
54.7
Gross NPL
1.5% - 2.0%
2.1
2.3
Credit Cost
1.0% - 1.4%
1.2
1.3
CASA Ratio
40% - 45%
50.0
48.5
6
Rasio Keuangan (bank) Rasio Penting
2Q12
3Q12
4Q12
1Q13
2Q13
ROA (net)
2.1
2.1
1.9
2.4
2.2
ROE (net)
22.6
23.1
21.3
24.2
24.3
Cost to Income Ratio
51.1
52.3
56.5
55.0
54.7
BOPO
75.9
76.8
80.0
74.4
75.9
Asset Yield
12.5
12.5
12.0
12.8
12.7
Cost of Fund
5.5
5.3
5.2
4.6
4.6
NIM
6.9
7.1
6.8
8.2
8.2
LDR
65.5
65.0
74.1
83.2
80.8
Dalam Perhatian Khusus
2.6
3.6
3.0
3.9
3.9
Gross NPL
1.4
1.7
2.1
2.1
2.3
Net NPL
0.6
0.5
0.5
0.7
0.6
Coverage Ratio
121.3
116.4
82.9
78.1
81.8
CKPN/Total Kredit
1.7
2.0
1.7
1.6
1.9
Credit Cost
1.0
1.0
1.2
1.2
1.3
18.4
18.4
18.1
17.2
16.4
Profitabilitas
Rasio Biaya
Imbal Hasil
Kualitas Aset
Permodalan CAR
7
Laporan Laba Rugi Laporan Laba Rugi (Rp miliar)
1H12
1H13
YoY (%)
1Q12
2Q13
QoQ (%)
Pendapatan Bunga
3,364
3,931
16.8%
1,889
2,042
8.1%
Beban Bunga
(1,561)
(1,536)
-1.6%
(735)
(801)
9.1%
Pendapatan Bunga Bersih
1,804
2,395
32.8%
1,154
1,241
7.5%
Fee Based Income
122
141
15.8%
64
78
21.2%
Beban Operasional
(976)
(1,372)
40.5%
(655)
(717)
9.4%
Laba (Rugi) dalam Instrumen Keuangan
6
9
54.3%
(1)
10
-
PPOP
955
1,174
22.9%
562
611
8.7%
Beban CKPN
(148)
(232)
56.3%
(94)
(138)
46.0%
Pendapatan Non Operasional
(2)
1
-126.2%
-
1
-
Laba Sebelum Pajak
804
942
17.2%
468
474
1.3%
Beban Pajak
(204)
(195)
-4.5%
(96)
(99)
2.3%
Laba Bersih
600
747
24.5%
372
376
1.1%
8
Neraca Ringkasan Neraca (Rp miliar)
2Q12
3Q12
4Q12
1Q13
2Q13
YoY (%)
Kas atau Setara Kas
1,482
1,380
1,795
1,570
1,684
13.6
Giro pada Bank Indonesia
4,828
4,279
4,666
3,659
4,127
-14.5
Cadangan Sekunder
19,996
25,047
24,075
19,887
19,926
-0.4
Kredit-net Pembiayaan Syariahnet
30,701
32,142
34,769
37,198
41,046
33.7
2,012
2,391
2,880
2,965
3,295
63.8
Aktiva Tetap-net
550
520
735
1,002
1,010
83.5
Aktiva Lain-lain
1,686
1,949
1,921
2,126
2,333
38.4
Total Aktiva
61,255
67,708
70,841
68,407
73,421
19.9
Total DPK
49,799
52,724
50,608
48,638
55,060
10.6
Surat Berharga yang Diterbitkan
2,744
2,395
2,395
2,395
2,396
-12.7
Pinjaman Diterima
2,151
5,581
8,980
9,036
8,167
279.7
Lainnya
1,166
1,266
2,849
2,625
1,711
46.7
Total Kewajiban
55,860
61,966
64,832
62,694
67,334
20.5
Total Ekuitas
5,395
5,742
6,009
5,713
6,087
12.8
9
Detail Kredit (bank) Consumer
Micro
Commercial
Mortgage
45
40
2.9
Segmen (Rp miliar)
2Q ‘12
2Q ’13
YoY (%)
Konsumer
21,356
26,740
25.2
Mikro
3,630
5,515
51.9
Komersial
5,308
6,479
22.1
KPR
941
2,916
209.8
Total Kredit Gross
31,236
41,651
33.3
2.3 1.7
6.5
35 0.9 30 0.2
5.8 6.3
0.7 0.5
1.2
5.3
5.1
0.1 25 (Rp tr)
0.1 0.1 0.1
20
0.1
0.1 3.3
3.5
1.3
2.0
2.9
15
1.0
4.2
3.7 2.4
4.6
3.7 2.7
2.9
4.4
4.3 3.6
3.0
5.5
5.6
4.1
4.5
3.1
2.5
26.7 10
16.7 15.1 15.7 15.4 16.0 5
19.2 19.7 18.0 18.5
22.6 21.4 21.8
24.5
Mata Uang (Rp miliar)
2Q ‘12
2Q ’13
YoY (%)
Rupiah
30,928
41,426
33.9
Valas
308
225
-26.9
0
10
Kredit Konsumer
Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS)
30
Indikator Utama
2Q ‘12
2Q ’13
YoY (%)
Outstanding
21,356
26,740
25.2
Ekspansi Neto (Rp miliar)
2,188
4,114
88.0
Rata-rata Outstanding per Debitur (Rp miliar)
60
78
29.6
Jumlah Debitur
355,575
343,597
-3.4
1.0
0.9 1.46
25 1.11
0.8
0.80 0.60
0.63 0.7
0.56 20 0.47
0.50
0.54 0.6
15
0.45
0.5 25.3
23.4 20.8
10 15.5 16.3 14.6 15.314.92
18.6 17.5 18.0
19.2
0.4
21.2 21.8
Tingkat Suku Bunga
15.00%-18.48% % eff. p.a
0.3
0.2 5 0.1
0
(%)
(Rp tr)
0.45 0.45 0.43 0.44
Kualitas Kredit
2Q ‘12
2Q ’13
YoY
Dalam Perhatian Khusus
0.18
0.23
0.06
NPL
0.10
0.11
0.01
0.0
11
Kredit Mikro KMU (LHS)
Govt Program (LHS)
KCR (LHS)
NPL (RHS)
6.0
10.0
9.0 0.7 5.0
1.3
7.0
4.0 1.2
0.7
3.0
0.7 0.6
5.0
1.1
0.6 1.1
0.7
4.0
(%)
(Rp tr)
6.0 1.2
0.6
2Q ‘12
2Q ’13
YoY (%)
Outstanding
3,630
5,515
51.9
Ekspansi Neto (Rp miliar)
655
970
48.1
Rata-rata Outstanding per Debitur (Rp miliar)
50
58
15.7
Jumlah Debitur
72,325
95,007
31.4
8.0
0.6
0.6
Indikator Utama
Tingkat Suku Bunga
11.0% - 27.5% eff. p.a.
0.7 0.7
2.0 0.7
1.0
0.5 0.4 0.1 0.0 0.6 0.7
-
0.3
0.7
0.9
1.0
1.1 1.1
1.1
3.6
3.0
3.2
Kualitas Kredit
2Q ‘12
2Q ’13
YoY
1.0
Dalam Perhatian Khusus
9.5
18.1
8.6
0.0
NPL
3.8
6.9
3.1
2.7 2.3
2.0
1.9 1.2 1.4 1.0 1.0 1.1 1.2 1.0
*Kredit Mikro Utama
12
Kredit Komersial Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
7.0
6.0
0.9
0.8 0.8
0.7
5.0
0.6
YoY (%)
Outstanding
5,308
6,479
22.1
Ekspansi Neto (Rp miliar)
906
143
-84.2
Rata-rata Outstanding per Debitur (Rp miliar)
(Rp tr)
0.6
468
650
38.9
Jumlah Debitur
11,351
9,975
-12.1
1.3 10.0 1.2
0.5
9.0
0.8 8.0
0.6 0.6
0.5 0.5 0.6 0.5
0.5
3.0
0.5 0.5
0.5
0.6
6.0
4.3
0.5
3.9 3.0
2.3 1.9
7.0
0.6 0.6
2.5 2.6 2.6
(%)
0.6
4.0
11.0
1.0
0.8 0.6
3.3
3.2 3.0
5.0
4.5
4.3 3.9
Tingkat Suku Bunga
6.3% -14.5% eff. p.a
4.0 3.0 2.0 1.0
-
2Q ’13
13.0
12.0
1.0
2Q ‘12
15.0 14.0
2.0
Indikator Utama
-
Kualitas Kredit
2Q ‘12
2Q ’13
YoY
Dalam Perhatian Khusus
6.9
4.7
-2.2
NPL
5.2
7.2
2.0
13
Kredit Pemilikan Rumah (KPR) Mortgage Loans (LHS)
NPL (RHS)
3,500
Indikator Utama
2Q‘12
2Q ’13
YoY (%)
Outstanding
941
2,916
209.8
Ekspansi Neto (Rp miliar)
489
1,195
144.5
Rata-rata Outstanding per Debitur (Rp miliar)
238
275
15.2
Jumlah Debitur
3,951
10,620
168.8
15.0
14.0 2,916 13.0
3,000
12.0 11.0
2,500 2,287
10.0 9.0
(Rp bn)
2,000 1,721
8.0 7.0
1,500 6.0 1,215 5.0 941
1,000 663
3.0
453
500
7.25% - 13.75% eff. p.a.
Kualitas Kredit
2Q ‘12
2Q ’13
YoY (%)
Dalam Perhatian Khusus
6.4
8.7
2.3
NPL
0.5
3.0
2.5
2.0 140 72 80 78 91 108
-
Tingkat Suku Bunga
4.0
195
1.0 -
14
Detail DPK (bank) Current Account
Savings Account
Time Deposit
60
Detail DPK (Rp miliar)
2Q ’12
2Q ’13
YoY (%)
50
Giro
11,708
17,387
48.5
Tabungan
6,006
7,608
26.7
Deposito
29,986
26,574
-11.4
TOTAL
47,700
51,569
8.1
7.6
Rasio CASA (%)
37.1
48.5
11.3
17.4
Mata Uang (Rp miliar)
2Q ‘12
2Q ’13
YoY (%)
Rupiah
47,476
51,223
7.9
Valas
224
346
54.5
40 26.6
(Rp tr)
28.5
24.3 22.6
32.4 30.0 30 23.5 20.0 17.9 19.2
20
20.9
18.9
15.6
6.3
3.4
10
19.1
3.2
9.2
3.5
3.8
4.0
4.4
6.0
5.0
8.7
7.1
6.0
4.7
10.7 10.3 7.5
12.0 11.7 10.0 10.0 10.8 11.0
15.7 14.5 15.5
0
15
Kualitas Aktiva Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS) 1,200
180
Gross NPL (%) (Bank)
2Q‘12
2Q ’13
YoY (%)
Write Off (Rp bn)
Konsumer
0.10
0.11
0.01
2
Mikro
3.8
6.9
3.1
79
Komersial
5.2
7.2
2.0
63
KPR
0.5
3.0
2.5
-
Total
1.4
2.3
0.90
144
160
1,000
962 140 796786 754 701 699
679
600
551
587
575
527
516
508
534
603 557
621
100
80
480
441
Gross NPL
Net NPL
403 406 400
373 368 324
334
3.0
60
2.0
40 200 20
0
2.0
1.8
1.9
2.3 2.1
1.8 1.2
1.0
0.4
0.2
0.2
0.3
2.1
2.3
1.7
1.5
0.5 -
2.6
2.2
2.5
(%)
(Rp bn)
648 593
120
728
(%)
800
0.5
0.7
1.2
0.8 0.4
1.4
0.6
0.5
0.5
0.7
0.6
0.2
-
16
Kredit Dalam Perhatian Khusus Consumer (LHS)
Micro (LHS)
Mortgage (LHS)
% to Loans (RHS)
Commercial (LHS)
Consumer 1,800
4.5
100% 4
254 1,600
4
3
Micro 1
2
Commercial 2
3.5
88 420 1,000
2.5
44 60 516
800
600
9 438 365 7
400 8
8
200 105 103
182
15
7
8
997
1.5
70%
51
51
224
9 16
42
46
56
19
32
54 51
45
28
44
60%
50%
40%
61 62
30%
32
42
33
790
190 113
3
-
2.0
339
Special Mention Contribution (%)
3.0
Special Mention/Total Loans (%)
Absolute Special Mention Loans (Rp bn)
46
96
7
28
80%
304
7
14
210
1,200
5
90%
4.0
1,400
2 4
Mortgage
34 1.0
20%
0.5
10%
52
47
37 39
43
44
5
4
54
53
4
4
524 570
159 332 344
138 147 195
247 278
67 68 109 95 26 25 24 21 33 25 28 19 37 37 51 46 67 63
13 -
0%
12
7
8
9
6
7
4
4
4
17
Non Performing Loans Consumer (LHS)
Micro (LHS)
Mortgage (LHS)
% to Loans (RHS)
Commercial (LHS)
1,200
Consumer 100%
3.0
2
2
2
Micro
2
2
Commercial 2
2
4
Mortgage
0
1
6
7
9
9
51
49
36
39
4
3
90%
1,000
2.5
80%
800
2.0
48 11 467 10
600
1.5 32
10
5 400
6
8
9 455
12
312 299
63 73
60% 84
81
78
79
79
313 320
64
78
50%
40%
30%
211
34
196
378 289
20%
114 137 78 75 98 34 39 62 58 21 23 20 19 22 24 24 23 22 22 27 29 30 29
26 10%
9 6
-
36 31
24
0.5
201 186
53
65
277
149
-
1.0
297
2
409 200
464
495
7
408
59
70%
NPL Contribution (%)
68
Net Performing Loan/Total Loans (%)
Absolute Net Performing Loans (Rp bn)
87
0%
11
15
14
15
17
6
5
5
4
4
22
3
7
7
5
5
4
18
Analisa Imbal Hasil
Marketable Securities 17.4% Interbank Placement 3.2% Loans 67.9%
Placement to Bank Indonesia 10.1% Others 1.3%
Interbank Lending, 7.2
Current Account, 17.4
Bonds, 2.4
Savings Account, 7.6
Time Deposit, 26.6
Asset Yield
2Q ‘12
2Q ’13
Placement to Bank Indonesia
4.0
3.9
Interbank Placement
3.1
2.8
Securities
4.7
4.8
Loans Yield
19.1
17.0
Others
0.2
0.0
Cost of Fund
2Q ‘12
2Q ‘13
Interbank Liabilities
4.3
4.7
Securities
11.6
11.0
Deposits From Customers
5.3
4.4
Current Account
2.2
2.1
Time Deposit
6.9
6.4
Savings Account
2.3
1.9
Loans received
0.1
0.0
19
Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Consumer
Micro
Commercial
Strategi Funding Berhasil Baik
Mortgage
Government 100%
0 1 10
0 1
0 2
11
12
0
0
0
0
1
1
1
1
3
3
3
3
2
2
3
3
2
2 2
12
13
14
15
15
15
16
18
19
20
2
90%
70%
70%
60%
50%
30%
20%
10%
0%
87
86
84
84
83
82
82
82
80
79
77
76
19 17 18
22
16 19 18
21
80%
89
Retail
100%
80%
40%
Corporate
2
75
Funding Proportion (%)
Lending Proportion (%)
90%
0
60%
25
19 19 19
20 24 22
34 32
26 29
26 34 37
39 42 42 54
50%
41 49
50
40%
30% 20% 10%
58 42 41 40 24
52 51
47 49
48 45
40
25
26
0%
20
Kecukupan Modal Aktiva Tertimbang Menurut Resiko (ATMR)
2Q ‘12
Total ATMR
25,235
30,392
20.4
Risiko Kredit
19,759
23,126
17.0
Risiko Operasional
5,191
6,254
20.5
Risiko Pasar
284
1,011
255.7
ATMR/Total Aktiva
42.9%
43.9%
1.0
tier-1
4,664
5,004
7.3
tier -2
(21)
(33)
Total Modal
4,643
Tier-1 KPMM Total KPMM
2Q ’13
YoY (%)
•
Total CAR at 16.4% (-204bps YoY/ -81bps QoQ)
•
Total modal inti Rp5.0triliun setelah dikurangi cadangan pembagian dividen (kategori BUKU 3)
Penambahan Dampak ATMR/ Terhadap Rp1tr KPMM Ekspansi (%) Neto
Analisa KPMM
Bobot Resiko
56.0
Kredit Konsumer
50%
Rp.500bn
0.31
4,971
7.1
Kredit Mikro
75%
Rp.750bn
0.44
18.5%
16.5%
-2.0
Kredit Komersial
100%
Rp.1tr
0.56
18.4%
16.4%
-2.0
Kredit KPR
40%
Rp.400bn
0.26
21
Sumber Pertumbuhan Baru Kredit Mikro
22
Performa Kredit Mikro
Pertumbuhan
• Kredit mikro berada pada posisi Rp 5.5 triliun (+51.9% YoY/ +8.8% QoQ) • Ekspansi net Rp 1.9 triliun YoY / Rp 446 miliar QoQ • Kontribusi terhadap total kredit 13.2% (+160bps YoY/ -20bps QoQ)
Kualitas
• Kredit dalam perhatian khusus 18.1% (+860bps YoY/ +250bps QoQ) • Nilai kredit dalam perhatian khusus Rp 997miliar (+Rp 653 miliar YoY/ +Rp 207 miliar QoQ) • NPL 6.9% (+308bps YoY/ +115bps QoQ) • Nilai NPL Rp 378.3 miliar (+Rp 241 miliar YoY/ + Rp 89 miliar QoQ) • Total Hapus Buku Rp 79 miliar Ytd
23
Kredit Mikro Total Micro Loans
NPL
6.0
12.0
5.5
5.0
4.5 8.0
4.1 6.9
5.7 5.1 3.0 2.9
3.1 4.9
2.7 2.5
4.1
2.4 2.0 3.0
3.0
1.3
3.8
2Q ’13
YoY (%)
Outstanding
3,630
5,515
51.9
Ekspansi Neto (Rp miliar)
655
970
48.1
Rata-rata Outstanding per Debitur (Rp miliar)
50
58
15.7
Jumlah Debitur
72,325
95,007
31.4
4.0
Tingkat Suku Bunga
22% - 27% eff. p.a.
3.0 2.4
1.0
3.7
3.6
2.0
3.3
6.0
(%)
(Rp tr)
3.6
3.0
2Q ‘12
10.0
5.1
4.0
Indikator Utama
2.6
Kualitas Kredit
2Q ’12
2Q ’13
YoY
Dalam Perhatian Khusus
9.5
18.1
8.6
NPL
3.8
6.9
3.1
2.0
1.0
-
0.0
*Kredit Mikro Utama
24
Kredit Mikro Utama Kredit Mikro Utama (LHS)
NPL (RHS)
4.0
Indikator Utama
2Q ‘12
2Q ’13
YoY (%)
Outstanding
1,889
3,570
88.9
Ekspansi Neto (Rp miliar)
686
820
19.7
Rata-rata Outstanding per Debitur (Rp miliar)
36
49
37.4
Jumlah Debitur
53,027
72,920
37.5
12.0
3.5
3.6 10.0 3.2
3.0 8.0
2.7 2.5
2.0 5.4
5.3
4.1
4.2 3.9
3.7
3.8
1.4 1.0
0.5
-
1.0 1.0 1.0 1.1 0.6
0.7
6.0
1.9
4.9
1.5
5.4
(%)
(Rp tr)
2.3 5.9
3.7
4.0
Tingkat Suku Bunga
2.0
Kualitas Kredit
2Q ‘12
2Q ’13
YoY
Dalam Perhatian Khusus
10.3
19.7
+9.4
NPL
2.5
6.7
+4.2
23.0% - 27.5% eff. p.a.
1.2 1.2 2.3
2.3
2.5
0.0
25
Program Pemerintah Government Program (LHS)
NPL (RHS)
1.4
Indikator Utama
2Q ‘12
2Q ’13
YoY (%)
Outstanding
1,111
1,250
12.5
Ekspansi Neto (Rp miliar)
(33)
94
-388.0
Rata-rata Outstanding per Debitur (Rp miliar)
77
71
-7.9
Jumlah Debitur
14,403
17,601
22.2
12
1.2
1.2 1.2
10
1.2 1.1 1.1 1.1 1.1 1.1 8.4
1.0 1.0
7.6
8
7.3
(Rp tr)
6.0 5.5
5.9
6
(%)
0.9
0.8
0.7
0.6
4
Tingkat Suku Bunga
8.3% -14.0% eff. p.a
3.1
0.4
2.7
0.3
0.2
2Q ‘12
2Q ’13
YoY
Dalam Perhatian Khusus
11.5
16.0
+4.5
NPL
6.0
8.39
+2.4
1.3
0.0 -
Kualitas Kredit 2
0.1
0.4 0.0
0
- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 13% eff. p.a.
26
Kredit Mikro Lainnya Others Micro Loans(LHS)
NPL (RHS)
0.8
Indikator Utama
2Q ‘12
2Q ’13
YoY (%)
Outstanding
630
696
10.4
Ekspansi Neto (Rp miliar)
2
55
2514.1
Rata-rata Outstanding per Debitur (Rp miliar)
129
155
20.5
Jumlah Debitur
4,895
4,486
-8.4
12.0
0.7 0.7 0.7 0.7
10.0
0.7 0.7
0.7 0.6
0.6
0.6
0.6 0.6 0.6
0.6 8.0 6.9
0.5 0.4
5.4
6.0
0.4
(%)
(Rp tr)
0.5
4.7
0.3
3.9
3.7
3.8
4.0
3.5
Tingkat Suku Bunga
10.5% - 18.04% eff. p.a.
3.1
0.2
2.8 2.5
2.8
2.7
2.7
2.1
2.0 0.1
-
-
Kualitas Kredit
2Q ‘12
2Q ’13
YoY
Dalam Perhatian Khusus
3.5
13.4
9.9
NPL
3.8
4.7
1.0
* ) KMK Koperasi untuk anggota ,Kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas
27
Kredit Mikro Dalam Perhatian Khusus KMU (LHS)
Govt Programs (LHS)
Others (LHS)
Special Mention Loans (RHS)
1,200
KMU
8
18.1
15
90%
18
16
12 172
10
8.5
58 64
7.1
400
5.8
153
5.3 5.3 20 4.0 22
200
-
17 49
11 58
15 3 91
8 6 81
18 31
8 140
6.5
27 64
31
142
704 6
22
195 138 169 98 105 129
6 11
6 12
10
7
20
25 37 33
39
43
29
39
60%
50%
40%
74
85
84
86
72
71
65 30%
51
67 54 4
9
3
70%
567
128
96 110
Special Mention Contribution (%)
200
9.5
9.4
600
9
21
52 10.8
14
80%
(%)
Absolute Special Mention Loans (Rp bn)
12.7 12.5
13
22 93
14
800
13 6
26
15.6
Others
100%
20
1,000
Govt Programs
52
49
56
59
20%
372
307 2
0
10%
0%
28
Non Performing Loans Kredit Mikro KMU (LHS)
Govt Programs (LHS)
Others (LHS)
KMU
NPL (RHS)
400
Govt Programs
Others
100%
8
9
33 6.9
350
19
90% 28
7
24 30
33
30
27
9
10
9
17
25 31
80%
28
300
5.7
3.6
88
4
18 17
3.3 3.0
150
94
46
68
24
27
50 924
930
18 44
19 0 39
23 3 50
35
58
69
49 54
50%
40%
72 76
20%
171
70
67
59 66
54
59 46 35
44
27 34
89
31
47
14
40
62
31 28
30
2 67
20
13
4
23
30%
241
22
100
37
-
60%
3
2.6
2.4
NPL Contribution (%)
3.7 3.8
(%)
Absolute NPL (Rp bn)
5 4.1
3.0 3.0
-
0
4.9
250
200
70%
30
5.1
-
105
6
101
1
10%
47 0
0%
29
64
Proses Bisnis • Processor •Credit Analyst •Officer •Branch/Sub Branch Manager
• Marketing Staff •Customer Sales
Marketing
•Pick up Staff •Supervision Staff
Proses Kredit
Penagihan
Marketing
Sales
Prosesor
Analis Kredit
Officer
Pemimpin Cabang
Pick-up
Supervisi
2,125
97
277
434
36
352
464
248
30
Kinerja Bisnis Syariah 2Q13 bank bjb Syariah
31
Ringkasan Kinerja
Laba Rugi
Neraca
Rasio (bank bjb Syariah)
• Pendapatan Marjin Bersih Rp 130.0 miliar (+38.1% YoY) • Biaya Operasional Rp 112.5 miliar (+18.3% YoY) • Laba Bersih Rp 14.9 miliar (+1267.1% YoY)
• Total Pembiayaan Rp 3.4 triliun (+64.3% YoY) • Total Dana Pihak Ketiga Rp 3.5 triliun (+55.4% YoY) • Total Aset Rp 4.6 triliun (+57.2% YoY)
• • • •
NIM 6.3% (-104bps YoY) ROA 0.9% (+82bps YoY) ROE 4.9% (+446bps YoY) NPF Gross 3.9% (-176bps YoY)
32
Rasio Penting
Rasio Penting (%)
2Q ‘12
2Q ’13
YoY
CAR
24.0%
18.9%
-5.1
Gross NPF
5.7%
3.9%
-1.8
Net NPF
4.0%
0.9%
-3.1
ROA
0.1%
0.9%
+0.8
ROE
0.4%
4.9%
+4.5
NIM
7.3%
6.3%
-1.0
BOPO
98.8%
84.5%
-14.3
FDR
91.5%
96.8%
+5.3
33
Laporan Laba Rugi Laporan Laba Rugi (Rp juta)
2Q ‘12
2Q ’13
YoY (%)
Pendapatan Marjin
161,238
242,961
50.7
Biaya Marjin
(67,077)
(112,961)
68.4
Marjin Bersih
94,161
130,000
38.1
Pendapatan Operasional Lainnya
2,090
3,671
75.6
Biaya Operasional
(95,077)
(112,473)
18.3
Pendapatan Operasional
1,174
21,198
1,705.6%
Pendapatan Non Operasional (Biaya)
278
(214)
-
Laba Sebelum Pajak
1,452
20,985
1,345.2%
Beban Pajak
(363)
(6,097)
1.579.6%
Laba Bersih
1,089
14,887
1,267.0%
34
Neraca Neraca Keuangan (Rp juta)
2Q ‘12
2Q ’13
YoY (%)
Kas atau Setara Kas
15,299
20,552
34.3
Giro Pada Bank Indonesia
107,988
171,431
58.8
Cadangan Sekunder
731,514
897,878
22.7
Pembiayaan – Net
2,011,601
3,295,429
63.8
Aktiva Tetap – Net
10,103
151,493
1399.5
Aktiva Lain-lain
45,298
57,271
26.4
Total Aktiva
2,921,803
4,594,054
57.2
DPK
2,253,249
3,500,331
55.4
Pinjaman yang Diterima
-
-
-
Lainnya
88,450
352,776
298.8
Total Kewajiban
63,393
93,775
47.9
Total Ekuitas
2,405,092
3,946,882
64.1
Neraca Keuangan (Rp juta)
516,711
647,172
25.2
35
Kinerja Syariah Total Financing
Total Funding
4.0 3.6
3.5
3.5
3.4 3.4
3.0
3.1 3.0
2.5
2.4 2.3 2.4
(Rp tr)
2.2
1.8
1.5
1.6 1.6 1.3 1.4 1.1
0.0
2Q ’13
YoY (%)
Murabahah – (Trading)
944,613
1,877,017
98.7
Ijarah
27,155
8,626
-68.2
Pembiayaan
651,143
1,254,927
92.7
Qardh – (Bridging)
433,782
242,349
-44.1
Isthisna – (Pawning)
6,267
5,968
-4.8
Total Pembiayaan
2,062,960
3,388,887
64.3
DPK
2Q ‘12
2Q ’13
YoY (%)
Giro Wadiah
69,935
100,716
44.0
Giro Mudharabah
-
-
-
Tabungan Wadiah
66,787
81,582
22.2
Tabungan Mudharabah
236,952
305,933
29.1
Deposito Mudharabah
1,879,575
3,012,100
60.3
Total DPK
2,253,249
3,500,331
55.4
2.1
1.7
0.5
2Q ‘12
2.0
2.0
1.0
Pembiayaan Syariah
1.4 1.6 1.6
1.8
1.1
1.00.8
36
Profil Perusahaan bank bjb
37
Kepemilikan West Java Provincial Government
Struktur Kepemilikan
2Q12
2Q13
Pendiri (Seri A)
75.00
75.00
Pemerintah Provinsi Jawa Barat
38,26
38,26
Pemerintah Kota/Kabupaten seJawa Barat
23,61
23,61
Pemerintah Provinsi Banten
5,37
5,37
Pemerintah Kota/Kabupaten seBanten
7,76
7,76
Seri B (Publik)
25,00
25,00
Lokal Perorangan
7,30
3,57
Lokal Institusi
11,89
9,02
Perorangan Asing
0,03
0,01
Institusi Asing
5,78
12,4
West Java Municipal Government
Banten Provincial Government Banten Municipal Government
Public (B Series)
25 38.26 7.76
23.61 5.37
38
Road Map A Strong Sustainable Growth and Profitable National Bank
2011-2012
2013-2014
2015
Building/Establishment New Infrastructures
Leading in Service As One of the Big Banks
A National Bank Leading in Service and Performance
Strategy
Developing HR Competence, IT Infrastructure, and organization for : o Micro & SME Financing o Consumer & Commercial Banking o Treasury & International
Strategy
Matching the 10 Biggest Banks in areas : o HR competence/ IT o Services o Bank bjb `incorporated`
Strategy
Leading in Service and Performance National Bank
39
Jaringan Kantor
Others Deposits 1.7 Tr Loans 1.5 Tr Micro Loans 245 Profit 1.5 bn 42,457 Customers 13 Branch Offices 12 Sub Branch Offices 58 ATM Unit 12 Waroeng bjb 345 Employees
Total bjb employees 5,847 Total bjb customers 2,299,871
Expansion Plan +3 Branch Offices (Malang,Yogyakarta & Purwokerto) +99 Sub Branches +472 Cash Offices +27 Payment Points +526 ATM Units
Jakarta Deposits 5.7 Tr Loans 4.0 Tr Micro Loans 140 bn Loss 6.8 bn 51,791 Customers 9 Branch Offices 62Sub Branches 7 Cash Offices 1 Payment Point 91 ATM Unit 27 Waroeng bjb 519 Employees
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 34.4 Tr Loans 30.3 Tr Micro Loans 4.5 Tr Profit West Java 1.5 Tr, Loss Loss Head Oficce 877 bn 1,823,834 Customers 32 Branch Offices 188 Sub Branch 108 Cash Offices 91 Payment Poin 670 ATM Unit 337 Waroeng bjb 4,424 Employees
40
Branch Network Details No
bjb Network
2Q ‘12
2Q ’13
YoY (%)
1
Branch
56
62
6
2
Sub Branch
212
304
92
3
Cash Offices
80
142
62
4
Payment Point
94
104
10
5
ATM
612
969
357
6
Waroeng bjb (A,B & C)
436
562
126
7
Layanan bjb Precious
4
11
7
8
MSME Center
6
6
0
9
Mobile Cash
7
11
4
10
Weekend Banking
9
12
3
11
Forex Branches
23
47
24
Total
1,539
2,230
691
41
Sumber Daya Manusia Berdasarkan Pendidikan Posisi
2Q ’12
2Q ‘13
YoY
Dewan Komisaris
5
5
-
Direksi
5
5
-
Manajemen Puncak
26
34
8
Manajemen Madya
195
205
10
Manajemen Lini Pertama
957
1,327
370
Staf
2,016
4,226
2,210
MPP
5
5
0
Total Permanent
3,209
5,847
2,598
Micro
2,115
3,459
1,344
Lain - lain
4,449
1,959
-2,490
Total Non Permanent
6,564
5,418
-1,146
Total
9,773
11,265
1,452
Up to High School
Up to Bachelor Degree
Masters and Doctorate 1.0 5.0
95
Berdasarkan Umur <30
31 - 40
41 - 55
9.0 13.0
78.0
42
Penghargaan Tahun 2012
Infobank Awards 2012
Indonesia Trusted Company The Indonesian Institute for Corporate Governance
Jamsostek Award: Regional Strategic Partner 2012
Mark Plus Conference: Indonesia Marketing Champion 2012
Call Center Award for 2012
Annual Report Award 2012
SINDO People of The Year 2012 “CEO of The Year”
The 4th IICD Corporate Governance Conferences & Award: Best Corporate Governance for Newly Listed
43
Performa Harga Saham Volume (RHS) 1400
Price (LHS) 120
Grup Hubungan Investor Menara bank bjb 7th Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141
[email protected]
1300
100 1200 80
1000
60
900 40 800
20
Million Shares
Rp/share
1100
Contact Person: Hanel Topada Pemimpin Grup
[email protected] Irwan Riswandi Manajer Senior
[email protected] Ari Budiman Manajer
[email protected]
700
600
0
44
Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868
