Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 3Q13 Analyst Meeting

Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 3Q13 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 Meningkat 150 bps ke 7.25% GDP Growth

Tren Penurunan Indeks Kepercayaan Konsumen

BI Rate

Consumer Confidence Index

12 Index (points)

10 6 4 2

0

Source: Bloomberg

Source: Bloomberg

Pengaruh Global Terhadap Pelemahan Pasar Obligasi dan Rupiah

Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi CPI

USDIDR

1mth JIBOR

(%)

15 10 5 0

Source: Bloomberg

USD IDR

20

10Yr Govt Bond

13000 12000 11000 10000 9000 8000 7000 6000

25 20 15 10 5 0

Source: Bloomberg

3

Yield (%)

(%)

8

130 120 110 100 90 80 70 60

Sektor Perbankan 40.0

Loans Growth

Deposit Growth

YoY Growth (%)

35.0

Pada

bulan

Juli‘13,

data

sektor

perbankan

menunjukkan :

30.0 25.0

• Kredit 22.9%YoY to Rp 3,046tr (Kredit Investasi

20.0

+33.5% YoY, Kredit Modal Kerja +18.7%, Kredit

15.0

Konsumsi +20.0%)

10.0

• DPK +14.6% YoY to Rp 3,393tr (CASA +15.2% YoY,

5.0 -

Deposito Berjangka +7% YoY, CASA Rasio 56%) • NPL -32bps YoY to 1.87% • ROA -13bps YoY to 3.0%

Source: Bank Indonesia

Investment Loans

WC Loans

Consumer Loans

Jul ‘12

Jul ‘13

YoY (%)

Total Loans

2,478

3,046

22.9

Total Deposit

2,961

3,393

14.6

LDR

83.6

89.7

+6.1

NPL

2.19

1.87

-0.32

ROA

3.13

3.0

-0.13

60.0

YoY Growth (%)

50.0 40.0 30.0 20.0 10.0 -

Source: Bank Indonesia

4

Ringkasan Kinerja

Laba Rugi

• • • •

Pendapatan Bunga Bersih Rp 3.6 triliun (+27.7% YoY/ -5.0% QoQ) Laba Operasional Sebelum CKPN Rp 1.7 triliun (+19.5% YoY/ -6.0% QoQ) CKPN Rp 373 miliar (+38.6% YoY/ +2.6% QoQ) Laba Bersih Rp 1.1 triliun (+15.9% YoY/ -7.1% QoQ)

Neraca

• • • •

Total Kredit Rp 44.1 triliun (+34.4% YoY/ +5.3% QoQ) Total Pembiayaan Syariah Rp 3.7 triliun (+52.2% YoY/ +9.9% QoQ) Total DPK Rp 56.6 triliun (+7.3% YoY/ +2.7% QoQ) Total Aset Rp 75.9 triliun (+12.0% YoY/ +3.3% QoQ)

Rasio Keuangan (bank)

• • • •

NIM 8.0% (+93bps YoY/ -11bps QoQ) ROA (Net) 2.2% (+2bps YoY/ -7bps QoQ) ROE (Net) 23.5% (+38bps YoY/ -82bps QoQ) NPL (Gross) 2.5% (+77bps YoY/ +16bps QoQ)

5

Target vs. Realisasi

(%)

Target

1Q13

2Q13

3Q13

Pertumbuhan Kredit

25% - 28%

36.0

33.7

34.3

Pertumbuhan DPK

18% - 22%

-5.1

10.6

7.3

ROA (net)

1.8% - 2.0%

2.4

2.2

2.2

ROE (net)

20% - 22%

24.2

24.3

23.5

NIM

6.8% - 7.2%

8.2

8.2

8.0

Cost of Fund

5.0% - 5.5%

4.6

4.6

4.8

Cost to Income Ratio

51% - 54%

55.0

54.7

55.6

Gross NPL

1.5% - 2.0%

2.1

2.3

2.5

Credit Cost

1.0% - 1.4%

1.2

1.3

1.2

Rasio CASA

40% - 45%

50.0

48.5

49.3

6

Rasio Keuangan (bank) Rasio Penting

3Q12

4Q12

1Q13

2Q13

3Q13

ROA (net)

2.1

1.9

2.4

2.2

2.2

ROE (net)

23.1

21.3

24.2

24.3

23.5

Cost to Income Ratio

52.3

56.5

55.0

54.7

55.6

Expense Ratio

76.8

80.0

74.4

75.9

77.0

Asset Yield

12.5

12.0

12.8

12.7

12.8

Cost of Fund

5.3

5.2

4.6

4.6

4.8

NIM

7.1

6.8

8.2

8.2

8.0

LDR

65.0

74.1

83.2

80.8

82.2

Dalam Perhatian Khusus

3.6

3.0

3.9

3.9

3.8

Gross NPL

1.7

2.1

2.1

2.3

2.5

Net NPL

0.5

0.5

0.7

0.6

0.6

Coverage Ratio

116.4

82.9

78.1

81.8

82.9

CKPN/Total Kredit

2.0

1.7

1.6

1.9

2.0

Credit Cost

1.0

1.2

1.2

1.3

1.2

18.4

18.1

17.2

16.4

16.4

Profitabilitas

Rasio Biaya

Imbal Hasil

Kualitas Aset

Permodalan CAR

7

Laporan Laba Rugi Laporan Laba Rugi (Rp miliar)

3Q12

3Q13

YoY (%)

2Q13

3Q13

QoQ (%)

Pendapatan Bunga

5,092

5,995

17.7%

2,042

2,064

1.1%

Beban Bunga

(2,293)

(2,421)

5.6%

(801)

(885)

10.5%

Pendapatan Bunga Bersih

2,799

3,574

27.7%

1,241

1,179

-5.0%

Fee Based Income

177

209

18.1%

78

67

-13.1%

Beban Operasional

(1,522)

(2,072)

36.1%

(717)

(700)

-2.3%

Laba (Rugi) dalam Instrumen Keuangan

11

38

259.6%

10

29

201.1%

PPOP

1,464

1,749

19.5%

611

575

-6.0%

Beban CKPN

(269)

(373)

38.6%

(138)

(141)

2.6%

Pendapatan Non Operasional

-

7

-

1

6

-

Laba Sebelum Pajak

1,194

1,382

15.8%

474

440

-7.2%

Beban Pajak

(249)

(286)

15.1%

(99)

(91)

-7.8%

Laba Bersih

946

1,096

15.9%

376

349

-7.1%

8

Neraca Ringkasan Neraca (Rp miliar)

3Q12

4Q12

1Q13

2Q13

3Q13

YoY (%)

Kas atau Setara Kas

1,380

1,795

1,570

1,684

1,768

28.1%

Giro Pada Bank Indonesia

4,279

4,666

3,659

4,127

4,249

-0.7%

Cadangan Sekunder

25,047

24,075

19,887

19,926

19,740

-21.2%

Kredit – net

32,142

34,769

37,198

41,046

43,154

34.3%

Pembiayaan Syariah – net

2,391

2,880

2,965

3,295

3,626

51.7%

Aktiva Tetap - Net

520

735

1,002

1,010

1,006

93.5%

Aktiva Lain-lain

1,949

1,921

2,126

2,333

2,316

18.8%

Total Aktiva

67,708

70,841

68,407

73,421

75,860

12.0%

Total DPK

52,724

50,608

48,638

55,060

56,560

7.3%

Surat Berharga Yang Diterbitkan

2,395

2,395

2,395

2,396

2,396

0.1%

Pinjaman Diterima

5,581

8,980

9,036

8,167

8,668

55.3%

Lainnya

1,266

2,849

2,625

1,711

1,792

41.5%

Total Kewajiban

61,966

64,832

62,694

67,334

69,417

12.0%

Total Ekuitas

5,742

6,009

5,713

6,087

6,443

12.2% 9

Detail Kredit (bank) Consumer

Micro

Commercial

Mortgage

50

45

3.5

Segmen (Rp miliar)

3Q ‘12

3Q ’13

YoY (%)

Konsumer

21,842

27,872

27.6

Mikro

4,117

5,493

33.4

Komersial

5,617

6,995

24.5

KPR

1,215

3,506

188.7

Total Kredit Gross

32,790

43,866

33.8

2.9

40 2.3 7.0

1.7 35

6.5

1.2 0.9

30 (Rp tr)

0.2 0.5

20

6.3

0.7 5.3

0.1 25

5.8 5.5

5.6

5.5

5.1

4.3 4.5 0.1 4.1 4.6 4.4 0.1 3.6 4.2 0.1 3.7 3.0 3.1 3.7 2.7 2.9 3.5 2.5 2.4 2.0

15

10 15.4 16.0

18.5 19.2 16.7 18.0

19.7

21.4 21.8 22.6

24.5

26.7 27.9

Mata Uang (Rp miliar)

3Q ‘12

3Q ’13

YoY

Rupiah

32,509

43,623

34.2

Valas

281

243

-13.5

5

0

10

Kredit Konsumer Civil Servant Loans (LHS)

Pensioner Loans (LHS)

NPL (RHS) 30

Indikator Utama

3Q ‘12

3Q ’13

YoY (%)

Outstanding

21,842

27,872

27.6

Ekspansi Neto (Rp miliar)

2,673

5,246

96.2

Rata-rata Outstanding Per Debitur (Rp juta)

62

81

30.6

Jumlah Debitur

350,347

342,716

-2.2

1.0 1.46 1.74 0.9 1.11

25 0.63

0.8

0.80

0.60 20

0.43

0.44

0.7

0.56 0.6

0.45

15

0.5 25.3 26.1

10 16.3 14.9215.5

17.5

19.2 18.0 18.6

20.8

21.2 21.8

23.4

0.4

(%)

(Rp tr)

0.47

0.50

0.54

Tingkat Suku Bunga

15.00%-18.48% % eff. p.a

0.3

0.2

Kualitas Kredit

3Q ‘12

3Q ’13

YoY

0.1


0.23

0.19

-0.04

NPL

0.13

0.11

-0.02

5

0

0.0

11

Kredit Mikro KMU (LHS)

Govt Program (LHS)

KCR (LHS)

NPL (RHS)

6.0

10.0

Indikator Utama

3Q ‘12

3Q ’13

YoY (%)

Outstanding

4,117

5,493

33.4


1,142

948

-17.0


53

57

7.5

Jumlah Debitur

78,348

96,049

22.6

9.0 0.7 0.7

5.0 0.6 0.6

8.0 1.3 1.2 7.0

4.0 1.2

0.7 1.2

0.6 3.0 0.7 0.6

0.6 1.1

0.7 0.7

2.0

4.0

0.7

0.7 0.3

5.0

1.1

0.7 0.9

1.0

1.1 1.1

1.1 3.2 2.7 2.3

1.0

(%)

(Rp tr)

6.0

Tingkat Suku Bunga*

11.0% - 27.5% eff. p.a.

3.6 3.6 3.0

2.0

Kualitas Kredit

3Q ‘12

3Q ’13

YoY


12.7

18.4

+5.7

NPL

4.9

8.8

+3.9

1.9 1.4 1.1 1.2 1.2

1.0 1.0

1.0

1.0 -

0.0

*Kredit Mikro Utama

12

Kredit Komersial Working Capital (LHS)

Investment (LHS)

Syndicated (LHS)

NPL (RHS)

8.0

15.0

Indikator Utama

3Q ‘12

3Q ’13

YoY (%)

Outstanding

5,617

6,995

24.5


1,215

658

-45.8


483

707

46.4

Jumlah Debitur

11,633

9,892

-15.0

14.0 7.0

13.0

1.0

0.8

0.7 5.0

1.0

0.8 0.6

(Rp tr)

0.9

0.8

0.6 4.0

0.6

0.6

11.0 1.3

1.3

9.0

1.2

8.0

0.5 0.8

7.0

0.6 0.5 0.5 0.6 0.5 3.0 0.5

0.6

0.6

5.0

2.0

1.0

6.0

0.6 0.6

3.9 2.5 2.6 2.6

10.0

3.0

3.3 3.2 3.0

4.3

4.8

4.5 3.9

4.3

Tingkat Suku Bunga

6.3% -14.5% eff. p.a

4.0 3.0 2.0 1.0

-

(%)

6.0

12.0

-

Kualitas Kredit

3Q ‘12

3Q ’13

YoY


9.2

4.6

-4.6

NPL

5.3

6.5

+1.2

13

Kredit Pemilikan Rumah (KPR) Mortgage Loans (LHS)

NPL (RHS)

4,000

15.0 14.0 3,506

3,500

Indikator Utama

3Q ‘12

3Q ’13

YoY (%)

Outstanding

1,215

3,506

188.7


762

1,785

134.3


241

279

15.8

Jumlah Debitur

5,040

12,585

149.7

13.0 12.0 2,916

3,000

11.0 10.0

2,500 (Rp bn)

2,287

9.0 8.0

2,000 1,721

6.0

1,500 1,215 941

1,000 663 453

500 78

-

7.0

91 108 140

195

5.0

Tingkat Suku Bunga

7.3% - 13.7% eff. p.a.

4.0 3.0

Kualitas Kredit

3Q ‘12

3Q ’13

YoY


7.3

8.4

+1.1

NPL

2.6

3.2

+0.6

2.0 1.0

-

14

Detail DPK (bank) Current Account

Savings Account

Time Deposit

60

Detail DPK (Rp miliar)

3Q ‘12

3Q ’13

YoY (%)

50

Giro

15,678

18,174

15.9

Tabungan

6,275

8,167

30.1

Deposito

28,531

27,049

-5.2

TOTAL

50,485

53,390

5.8

Rasio CASA (%)

43.5

49.3

+5.8

Mata Uang (Rp miliar)

3Q ‘12

3Q ’13

YoY (%)

Rupiah

50,277

53,113

5.6

Valas

208

277

33.2

40

27.0 26.6

(Rp tr)

28.5 24.3 32.4 30.0

22.6

30 23.5 20.0 19.2

19.1

20.9

18.9

20

7.6

8.2

6.3 8.7 7.1

3.5

10

3.8 4.0

4.4

6.0 5.0 6.0

4.7 10.3

7.5

12.0 11.7 10.0 10.0 10.8 11.0

15.7 14.5 15.5

17.4 18.2

0

15

Kualitas Aktiva Credit Provision (LHS)

Absolute NPL (LHS)

Coverage Ratio (RHS) 1,200

180

Gross NPL (%) (Bank)

3Q ‘12

3Q ’13

YoY (%)

Write Off (Rp miliar)

Konsumer

0.13

0.11

-0.02

2

Mikro

4.9

8.8

+3.9

243

Komersial

5.3

6.5

+1.2

113

KPR

2.6

3.2

+0.6

-

Total

1.7

2.5

+0.8

358

1,081 160 1,000

962 896 796786 754

600

593

679

648 603 557

587

575 516

508

621

100

534 80

480

Gross NPL

441 403 406 400

3.0

60

324 334

2.0

40 200

20

-

0

2.2 1.9

2.3 2.1

1.8 1.2

1.0 0.2

0.3

2.1

2.5

2.3

1.7

1.5

0.5

Net NPL

2.6

2.5

(%)

(Rp bn)

701 699

120

728

(%)

800

140

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

0.6

Kredit Dalam Perhatian Khusus Consumer (LHS)

Micro (LHS)

Commercial (LHS)

Mortgage (LHS)

% to Loans (RHS)

Consumer

1,800

4.5

100% 3

294 254

1,400

46

96

420

1,000

2.5 44 60

800

600

8 182

2.0

339

9971,011

1.5

2 4

5

7

7

70%

42

46

9

14

16

56

19

32

54

17

51

45

28

44

19

60%

50%

40%

61 62 42

30%

790 224

34

1.0

190 113

52

47

37 39

43

44

5

4

54

53

4

4

60

20%

524 570

159 138 147 195

-

15

7 3

200

516

9 438 365

7 400

3.0

Special Mention Contribution (%)

304 323

Mortgage

28

210 88

2

80%

3.5

1,200

2

Commercial

90%

4.0

Special Mention/Total Loans (%)

Absolute Special Mention Loans (Rp bn)

1,600

1

Micro

247 278

332 344

109 95 24 21 33 25 28 19 37 37 51 46 67 63 54

0.5 10% -

7 0%

8

9

6

7

4

4

4

3

17

Non Performing Loans Consumer (LHS)

Micro (LHS)

Commercial (LHS)

Mortgage (LHS)

% to Loans (RHS)

Consumer

1,200

100%

3.0

1.5

32

10

408 5

400

8

9 455

12

1.0

297

2

409

277

313 320

211

200

196

4

0

1

6

63

53

378

60%

78

79

79

78

7

9

9

51

49

36

39

4

3

10

73

65

64

40%

30%

20%

10%

-

42

50%

0%

31

24

0.5

201 186

114 137 98 78 62 58 75 20 19 22 24 24 23 22 22 27 29 30 29 31

59

34

484 289

149

-

464

495

2

70% NPL Contribution (%)

467

10

600

454

Net Performing Loan/Total Loans (%)

Absolute Net Performing Loans (Rp bn)

2.0 48

2

80%

800 11

2

Mortgage

2.5

87

68

2

Commercial

90%

112 1,000

2

Micro

15

14

15

17

5

5

4

4

26

22

3

7

45

36

7

5

5

4

3

18

Analisa Imbal Hasil Loans 69%

Others 1% Placement to Bank Indonesia 9%

Interbank Placement 3% Marketable Securities 18%

Savings Account 12.8%

Time Deposit 42.5% Current Account 28.6%

Bonds 3.8%

Interbank Lending 12.3%

Asset Yield

3Q ‘12

3Q ’13

Placement to Bank Indonesia

4.0

3.8

Interbank Placement

3.4

2.9

Securities

4.4

5.1

Loans Yield

18.7

16.7

Others

0.1

0.5

Cost of Fund

3Q ‘12

3Q ’13

Interbank Liabilities

3.7

4.5

Securities

11.7

11.4

Deposits From Customers

5.1

4.5

Current Account

2.2

2.3

Time Deposit

6.8

6.6

Savings Account

2.2

1.9

Loans received

0.1

-

19

Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Consumer 100% 90%

0 2

12

Micro

0

0

0

0

3

3

3

12

13

14

Commercial

3

0 2

1 2

1 3

1 3

15

15

15

16

18

Strategi Funding Berhasil Baik Government

Mortgage 1 2

2 2

2 2

90%

19

20

21

21

80% 70%

60% 50% 86

84

84

83

82

82

82

80

79

77

76

75

74

Funding Proportion (%)

70% Lending Proportion (%)

Retail

100%

3 2

80%

40%

Corporate

60%

86.0 85.7 85.1 85.6 85.3 83.7 85.0 84.4 84.1 84.3 84.5 84.3 86.6

50% 40%

30%

30%

20%

20%

10%

10%

0%

0%

15.3 13.7 14.4 14.7 14.5 14.4 14.8 12.8 13.1 13.4 13.3 13.7 12.6 1.3 1.2 1.5 1.1 1.1 1.0 1.3 1.2 1.2 1.2 1.2 0.9 0.8

20

Kecukupan Modal Aktiva Tertimbang Menurut Risiko (ATMR)

3Q ‘12

Total ATMR

25,197

3Q ’13

31,594

YoY (%)

25.4

•

Total CAR 16.4% (-200bps YoY/ + 8bps QoQ)

•

Total Modal Inti Rp5.2tr setelah dikurangi

cadangan pembagian dividen (Kategori Bank BUKU 3).

Risiko Kredit

19,271

24,336

26.3

Risiko Operasional

5,191

6,254

20.5

Risiko Pasar

735

1,004

36.6

ATMR/Total Aktiva

38.7%

44.1%

+5.4

tier-1

4,726

5,209

10.2

tier -2

(81)

(17)

-78.4

Total Modal

4,645

5,192

11.8

Tier-1 KPMM

18.8%

16.5%

-2.3

Total KPMM

18.4%

16.4%

-2.0

Penambahan Dampak ATMR/ Terhadap Rp1tr KPMM Ekspansi (%) Neto

Analisa KPMM

Bobot Risiko

Kredit Konsumer

50%

Rp.500bn

0.26

Kredit Mikro

75%

Rp.750bn

0.38

Kredit Komersial

100%

Rp.1tr

0.50

Kredit KPR

40%

Rp.400bn

0.21

21

Detail Kredit Mikro

22

Performa Kredit Mikro

Pertumbuhan

Kualitas

• Kredit mikro berada pada posisi Rp 5.5 triliun (+33.4% YoY/ -0.4% QoQ) • Ekspansi Neto +Rp 1.4 triliun YoY/ -Rp 22bn QoQ • Kontribusi terhadap total kredit 12.5% (-3bps YoY/ -72bps QoQ)

• • • •

NPL 8.8% (+393bps YoY/ +196bps QoQ) Nilai NPL Rp 484 miliar (+Rp 283bn YoY/ +Rp 106bn QoQ) Kredit Dalam Perhatian Khusus 18.4% (+567bps YoY/ +32bps QoQ) Nilai kredit Dalam Perhatian Khusus Rp 1.0 triliun (+Rp 487bn YoY/ +Rp 14bn QoQ)

23

Kredit Mikro Total Micro Loans

NPL

6.0

12.0

5.5 5.5 5.0

8.8 4.5

6.9 5.7 3.1 4.9

2.7 2.4 2.0

-

4.1 3.7 3.8

YoY (%)

Outstanding

4,117

5,493

33.4


1,142

948

-17.0


53

57

7.5

Jumlah Debitur

78,348

96,049

22.6

4.0

Tingkat Suku Bunga*

11.0% - 27.5% eff. p.a.

3.0 2.4

1.0

2.5 3.6

2.0 3.0

6.0

(%)

(Rp tr)

3.6

5.1 2.9 3.0

3Q ’13

8.0

4.1

3.0

3Q ‘12

10.0

5.1

4.0

Indikator Utama

2.6 2.0

Kualitas Kredit

3Q ‘12

3Q ’13

YoY (%)


12.7

18.4

+5.7

NPL

4.9

8.8

+3.9

0.0

*Kredit Mikro Utama

24

Kredit Mikro Utama Kredit Mikro Utama (LHS)

NPL (RHS)

4.0

12.0

3.5

3.6 3.6

2.3 5.3

4.9 1.5

Outstanding

2,337

3,560

52.3


1,134

811

-28.5


40

48

20.7

Jumlah Debitur

58,478

73,801

26.2

1.9

4.2 3.9

3.8 3.7 1.4

1.0

6.0

(%)

(Rp tr)

6.7

5.4

YoY (%)

8.0

2.7

2.0

3Q ’13

10.0

2.5 5.9

3Q ‘12

9.2

3.2

3.0

Indikator Utama

4.0

Tingkat Suku Bunga

1.2 1.2 2.5 1.0 1.0 1.0 1.1 2.3 2.3 2.0

23.0% - 27.5% eff. p.a.

Kualitas Kredit

3Q ‘12

3Q ’13

YoY (%)


13.1

20.8

+7.7

NPL

3.8

9.2

+5.4

0.5

-

0.0

25

Program Pemerintah Government Program (LHS)

NPL (RHS)

1.4

12.0

10.2 1.3 1.2

1.2 1.2 1.1 1.0

1.1 1.1 1.1 1.1 8.4

8.4 7.3

5.5

5.9 6.0

(%)

(Rp tr)

6.0

3Q ’13

YoY (%)

Outstanding

1,118

1,245

11.4


(26)

89

442.3


75

70

-6.7

Jumlah Debitur

14,941

17,794

19.1

8.0

0.9

0.8

3Q ‘12

10.0

1.2

1.0

Indikator Utama

0.7 0.6 4.0 3.1

0.4

Tingkat Suku Bunga*

2.7 0.3 1.3

0.2

2.0

0.4 0.0 -

8.3% -14.0% eff. p.a

Kualitas Kredit

3Q ‘12

3Q ’13

YoY (%)


13.7

15.3

+1.6

NPL

8.4

10.2

+1.8

-

- Kredit Cinta Rakyat 8.3% eff. p.a. - Kredit Usaha Rakyat 14% eff. p.a.

26

Kredit Mikro Lainnya Others Micro Loans(LHS)

NPL (RHS)

0.8

12.0

0.7 0.7 0.7

0.7 0.7 0.7 0.7 0.7

0.7 0.6

0.6

0.6

6.9

0.4

6.0 4.7 4.7 4.2

0.3

3.9

3.7 3.8

3.5 0.2

2.8 2.8

3Q ’13

YoY (%)

Outstanding

662

688

4.0


34

48

41.2


134

155

15.7

Jumlah Debitur

4,929

4,454

-9.6

8.0

(%)

(Rp tr)

0.5

3Q ‘12

10.0

0.6 0.6

0.6

Indikator Utama

4.0

Tingkat Suku Bunga*

2.0

Kualitas Kredit

3Q ‘12

3Q ’13

YoY (%)


9.7

11.4

+1.7

NPL

2.7

4.2

+1.5

3.1

10.5% - 18.04% eff. p.a.

2.7 2.7

0.1

-

-

* ) 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)

KMU

1,200

20 18.1

8

18.4

13 90%

13

14

9

11

6

6 12

10

93

79

12.7 12.5

14

200 52 12

10.8

10

8.5

58 64

7.1 400

140

5.8

5.3

153 20

4.0 22 200 15 3 91

8 6 81

18 31

8

27 64

31

142

704

22

195 138 169 98 105 129

6

70%

8

9

33

39

43

37

20

19

25 29

39

60%

50% 84 40%

86 71

59 30%

567

128

96 110

742

(%)

172 9.5

9.4

600

22

80% 21

190 800

16

Special Mention Contribution (%)

15.6

7

6 3

1,000 Absolute Special Mention Loans (Rp bn)

Others

100%

18

-

Govt Programs

4

20%

2

10%

0

0%

67

56 54

52

49

65

72

51

372 307

28

73

Non Performing Loans Kredit Mikro KMU (LHS)

Govt Programs (LHS)

Others (LHS)

NPL (RHS)

KMU

600

Govt Programs

Others

100%

10

9 8.8

30

500

6.9

7

70%

5.7 33 5.1

6

4.9

300

5

105 4.1 30 3.7 3.8

3.6 3.0

3.0

18

2.6

2.4 46

24

94

3

17 241

18 44

19 0 39

23 3 50

27 13

35

58

69

62

28

31

17

31 26 28 37

4

30

47

14

23

49 40

54

70 30%

67

64 66

44

54

68

59

20% 46

89 101

6

25

59 2

9

40%

171

67

20 31

27

10

50%

328

68

30

60%

22

100

-

4 88

33

0

127

(%)

Absolute NPL (Rp bn)

400

8

80%

NPL Contribution (%)

29

200

19

90%

9

9

1

10%

0

0%

34

35 27

47

29

Proses Bisnis • Marketing Staff •Customer Sales

•Credit Analyst •Officer •Branch/Sub Branch Manager

Marketing

•Pick up Staff •Supervisi Staff

Processing

Collecting

Posisi

Marketing

Customer Sales

Credit Analyst

Officer

Branch/Sub Branch Manager

Pick-up

Supervisi Kredit

2Q ‘13

2,125

97

434

36

352

464

248

3Q ‘13

2,176

165

454

43

365

604

320

30

Kinerja Bisnis Syariah 3Q13 bank bjb Syariah

31

Ringkasan Kinerja

Laba Rugi

Neraca

Rasio (bank bjb syariah)

• Pendapatan Marjin Bersih Rp 200.5 miliar (+37.9% YoY) • Biaya Operasional Rp 175.3 miliar (+30.6% YoY) • Laba Bersih Rp 21.5 miliar (+99.5% YoY)

• Total Pembiayaan Rp 3.7 triliun (+52.2% YoY) • Total Dana Pihak Ketiga Rp 3.1 triliun (+37.1% YoY) • Total Aset Rp 4.6 triliun (+43.3% YoY)

• • • •

NIM 6.5% (-72bps YoY) ROA 0.9% (+24bps YoY) ROE 4.7% (+206bps YoY) NPF Gross 4.0% (-83bps YoY)

32

Rasio Penting

Rasio Penting (%)

3Q ‘12

3Q ’13

YoY

CAR

25.4%

17.9%

-7.5

NPF Gross

4.8%

4.0%

-0.8

NPF Nett

3.4%

1.1%

-2.3

ROA

0.7%

0.9%

+0.2

ROE

2.7%

4.7%

+2.0

NIM

7.2%

6.5%

-0.7

Expense Ratio (BoPo)

90.5%

85.0%

-5.5

FDR

103.5%

104.3%

+0.8

33

Laporan Laba Rugi Laporan Laba Rugi (Rp juta)

3Q ‘12

3Q ’13

YoY (%)

Pendapatan Marjin

248,142

374,166

50.8

Biaya Marjin

(102,796)

(173,693)

69.0

Marjin Bersih

145,346

200,473

37.9

Pendapatan Operasional Lainnya

3,050

5,871

92.5

Biaya Operasional

(134,245)

(175,315)

30.6

Pendapatan Operasional

14,151

31,029

119.3

Pendapatan Non Operasional (Biaya)

246

(372)

-251.2

Laba Sebelum Pajak

14,397

30,657

112.9

Beban Pajak

(3,599)

(9,114)

153.2

Laba Bersih

10,798

21,543

99.5

34

Neraca Neraca Keuangan (Rp juta)

3Q ‘12

3Q ’13

YoY (%)

Kas atau Setara Kas

19,681

27,292

38.7

Giro Pada Bank Indonesia

117,016

160,940

37.5

Cadangan Sekunder

608,704

593,264

-2.5

Pembiayaan – Net

2,390,849

3,579,668

49.7

Aktiva Tetap – Net

16,153

156,582

869.4

Aktiva Lainnya

51,435

74,168

44.2

Total Aktiva

3,203,838

4,591,914

43.3

DPK

2,238,873

3,068,450

37.1

Surat Berharga Diterbitkan

115,000

315,000

173.9

Pinjaman Diterima

168,653

520,066

208.4

Lainnya

52,892

67,413

27.5

Total Kewajiban

2,575,418

3,970,929

54.2

Total Ekuitas

628,420

620,985

-1.2

35

Kinerja Syariah Total Financing

Total Funding

4.0 3.6

3.5

3.4 3.1 3.0

3Q ‘12

3Q ’13

YoY (%)

Murabahah – (Trading)

1,118,608

2,140,920

91.4

Ijarah

15,853

7,497

-52.7

Financing

912,290

1,381,162

51.4

Qardh – (Bridging)

395,205

190,345

-51.8

Isthisna – (Pawning)

5,874

5,779

-1.6

Total Pembiayaan

2,447,830

3,725,703

52.2

Funding (Rp juta)

3Q ‘12

3Q ’13

YoY (%)

Wadiah Current Account Mudharabah Current Account Wadiah Savings Account Mudharabah Savings Account

76,465

104,007

36.0

-

-

-

68,616

93,006

35.5

260,992

348,784

33.6

Mudharabah Time Deposit

1,832,800

2,522,653

37.6

Total Funding

2,238,873

3,068,450

37.1

3.5 3.7

3.4

3.0

Pembiayaan (Rp juta)

3.1

2.5 2.3 2.4 2.2

(Rp tr)

2.2 2.0

2.0

2.1 1.7 1.8

1.5

1.61.3 1.6 1.4 1.1

1.0

0.5

0.0

1.1

1.4 1.6 1.6

1.8

36

Profil Perusahaan bank bjb

37

Kepemilikan West Java Provincial Government

Struktur Kepemilikan

3Q12

3Q13

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

6,14

3,97

Lokal Institusi

12,40

6,62

Perorangan Asing

0,03

0,01

Institusi Asing

6,44

14,4

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 Total bjb employees Others Deposits 1.8 Tr Loans 1.8 Tr Micro Loans 274.8 bn Profit 20.1 bn 46,955 Customers 13 Branch Offices 12 Sub Branch Offices 3 Cash Offices 66 ATM Unit 12 Waroeng bjb 346 Employees

6,068 Total bjb customers 2,805,046

Jakarta Deposits 5.9 Tr Loans 4.3 Tr Micro Loans 150.9 bn Loss 28.9 bn 58,346 Customers 9 Branch Offices 62 Sub Branches 7 Cash Offices 1 Payment Point 103 ATM Unit 27 Waroeng bjb 525 Employees

West Java Banten Deposits 10.1 Tr Loans 6.1 Tr Micro Loans 644.2 bn Profit 423.5 bn 480,317 Customers 8 Branch Offices 42 Sub Branches 26 Cash Offices 12 Payment Point 176 ATM Unit 61 Waroeng bjb 573 Employees

Deposits 35.6 Tr Loans 31.6 Tr Micro Loans 4.4 Tr Profit West Java 2.3 bn, Loss Head Oficce 1.3Tr 2,219,428 Customers 32 Branch Offices 188 Sub Branch 116 Cash Offices 93 Payment Point 707 ATM Unit 337 Waroeng bjb 4,615 Employees

40

Detail Jaringan Layanan No

bjb Network

3Q ‘12

3Q ’13

YoY

1

Cabang

56

62

6

2

Kantor Cabang Pembantu

215

304

89

3

Kantor Kas

114

152

38

4

Payment Point

97

106

9

5

ATM

674

1,052

378

6

Waroeng bjb (A,B & C)

437

562

125

7

Layanan bjb Precious

11

11

-

8

MSME Center

6

6

-

9

Mobile Cash

7

11

4

10

Weekend Banking

11

12

1

11

Cabang Devisa

25

47

22

Total

1,653

2,325

672

41

Sumber Daya Manusia Posisi

3Q’12

3Q‘13

YoY

Dewan Komisaris

5

5

-

Direksi

4

4

-

Manajemen Puncak

29

34

5

Manajemen Madya

196

209

13

Manajemen Lini Pertama

1,067

1,336

269

Staf

1,951

4,478

2,527

MPP

8

2

-6

Total Permanen

3,260

6,068

2,808

Berdasarkan Pendidikan Up to High School Masters and Doctorate Up to Bachelor Degree 95.3%

Masters and Doctorate 4.2% Up to High School 0.5%

Berdasarkan Umur 18 - 30

Mikro

2,313

3,189

876

Lain - lain

5,477

2,200

-3,277

Total Non Permanen

7,790

5,389

-2,401

Total

11,457

407

31 - 40

41 - 50

> 50

31 - 40 12.8% 41 - 50 7.4%

18 - 30 78.8%

11,050

Up to Bachelor Degree

> 50 1.0%

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

Penghargaan Tahun 2013

Infobank Awards – Kinerja Keuangan “Sangat Bagus” 2003 - 2012

Indonesia Banking Awards – Best Performance Banking 2013 untuk Bank Kategori BUKU 3

44

Performa Harga Saham Volume (RHS) 1400

Price (LHS)

Investor Relations Group Menara bank bjb 7th Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141 [email protected]

120

1300 100 1200 80

Contact Person:

60

Irwan Riswandi Manager [email protected]

1000

900 40 800 20 700

600

0

Million Shares

Rp/share

1100

Ari Budiman Officer [email protected] Anjas Septa Lesmana Officer [email protected] Simon Sihol Panggabean Staff [email protected]

Source: Bloomberg

45

Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868

Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 3Q13 Analyst Meeting

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