Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb Kinerja Perusahaan per 30 Juni 2016
Daftar Isi Hal. 3
Ekonomi Makro
Hal. 4
Sektor Perbankan
Hal. 5
Ringkasan Kinerja
Hal. 6
Target dan Pencapaian
Hal. 7
Rasio - Rasio Keuangan
Hal. 8
Laporan Laba Rugi
Hal. 9
Neraca
Hal. 10
Breakdown Kredit
Hal. 15
Breakdown Dana Pihak Ketiga
Hal. 18
Analisis Imbal Hasil
Hal. 19
Kecukupan Modal
Hal. 20
Kinerja Kredit Konsumer (Detail)
Hal. 23
Kinerja Anak Perusahaan
Hal. 29
Profil Perusahaan 2
Ekonomi Makro Indeks Kepercayaan Konsumen Meningkat
BI Rate Turun Ke Level 6.5% GDP Growth
BI Rate
Consumer Confidence Index
10 Index (points)
6 4 2 0
140 120 100 80 60 40 20 0
Source: Bloomberg
Source: Bloomberg
Tingkat Inflasi Mencapai 3.45% YoY di Bulan Juni CPI
Rupiah Menguat Terhadap Dollar di Bulan Juni
1M JIBOR
USDIDR
10
USD IDR
(%)
12
14000
8 6 4
8 6
10000
2 0
6000
Source: Bloomberg
10
12000
8000
10Yr Govt Bond
4 2 0
Source: Bloomberg
3
Yield (%)
(%)
8
Sektor Perbankan Per Mei 16, kinerja sektor perbankan adalah sbb : 40.0
Loans Growth
Deposit Growth
YoY Growth (%)
35.0
• Total Kredit +8.33%YoY menjadi Rp34,070 tr (Kredit Investasi +11.20% YoY, Kredit Modal Kerja +6.38% YoY, Kredit Konsumer
30.0 25.0
+9.10% YoY)
20.0
• Dana Pihak Ketiga +6,52% YoY menjadi Rp 4,508 tr (CASA
15.0
+2.08% YoY, Deposito Berjangka +1.98% YoY, Rasio CASA
10.0
53.39%)
5.0 -
• NPL +0.53% YoY menjadi 3.11% • ROA -0.11% YoY menjadi 2.34 % Source: SPI May 2016
Investment Loans 40 35 30 25 20 15 10 5 -
WC Loans
Consumer Loans
Mei ’15
Mei’16
YoY (%)
Total Kredit
3,757
4,070
+8.33
Total DPK
4,232
4,508
+6.52
LDR
88.72
90.32
+1.6
NPL
2.58
3.11
+0.53
ROA
2.45
2.34
-0.11
NIM
5.33
5.6
+0.27
Source: SPI May 2016
4
Ringkasan Kinerja
Laporan Laba Rugi
Neraca
Rasio Keuangan
• • • •
Pendapatan Bunga Bersih Rp 2.7 T (+26.9% YoY/ +10.8% QoQ) Laba Operasional Sebelum CKPN Rp 1.2 T (+40.3% YoY/+6.7% QoQ) Beban CKPN Rp 38 M (-65.3% YoY/ +14.7% QoQ) Laba Bersih Rp 905 M (+56.3% YoY/ +6.69% QoQ)
• Total Kredit Rp 60.1 T (+15.2% YoY/ +8.90% QoQ) • Total DPK Rp 68.3 T (-11.8% YoY/ -8.4% QoQ) • Total Aset Rp 90.9 T (+1.0% YoY/ +1.4% QoQ)
• • • •
NIM 7.2% (+117bps YoY/ +27bps QoQ) ROA (Net) 2.1% (+68bps YoY/ +5bps QoQ) ROE (Net) 22.5% (+604bps YoY/ +51bps QoQ) NPL (Gross) 2.0% (-163bps YoY/ -82bps QoQ)
5
Target dan Pencapaian (%)
Target
2Q’15
3Q’15
4Q’15
1Q’16
2Q’16
Pertumbuhan Kredit
13% -14%
9.4
11.2
12.0
11.3
15.2
Pertumbuhan Dana Pihak Ketiga
12% - 13%
30.5
25.4
18.4
12.0
-11.8
ROA (net)
1.5% - 2.0%
1.4
1.4
1.6
2.0
2.1
ROE (net)
15% - 20%
16.5
16.9
19.2
22.0
22.5
NIM
6.5% - 7.0%
6.0
6.0
6.3
6.9
7.2
Biaya Dana
5.0% - 5.3%
5.7
5.8
5.9
5.2
5.0
Rasio Cost to Income
60% - 65%
67.5
66.5
68.3
64.1
64.2
NPL (Gross)
2.0% - 2.5%
3.6
3.5
2.9
2.8
2.0
Credit Cost
0.3% - 0.7%
1.04
0.71
0.16
0.10
0.02
Rasio CASA
56% - 60%
48.7
51.5
52.4
54.6
56.4
6
Rasio-Rasio Keuangan 2Q’15
3Q’15
4Q’15
1Q’16
2Q’16
ROA (net)
1.4
1.4
1.6
2.0
2.1
ROE (net)
16.5
16.9
19.2
22.0
22.5
Rasio Cost to Income
67.5
66.5
68.3
64.1
64.2
BOPO
84.4
84.3
83.3
78.1
77.5
Imbal Hasil Asset
11.8
11.9
12.2
12.1
12.2
Biaya Dana
5.7
5.8
5.9
5.2
5.0
NIM
6.0
6.0
6.3
6.9
7.2
LDR
67.5
70.7
88.1
74.1
88.1
Rasio Kredit Dapersus
3.5
2.8
2.2
2.2
2.1
NPL (Gross)
3.6
3.5
2.9
2.8
2.0
NPL (Net)
0.8
0.7
0.9
1.0
0.8
Coverage Ratio
79.5
80.8
73.7
68.3
62.6
CKPN / Total Kredit
2.9
2.8
2.1
1.9
1.3
Credit Cost
1.04
0.71
0.16
0.10
0.02
15.8
15.5
16.2
14.9
17.7
Rasio Utama Profitabilitas
Rasio Efisiensi
Imbal Hasil
Kualitas Aktiva
Permodalan CAR
7
Laporan Laba Rugi Laporan Laba Rugi
Positioning YoY 2Q’16 (%)
(Rp Miliar)
2Q’15
Pendapatan Bunga
4,391
4,800
Beban Bunga
2,228
Pendapatan Bunga Bersih
Pertumbuhan QoQ 2Q’16 (%)
YoY
1Q’16
QoQ
9.3%
409
2,367
2,433
2.8%
66
2,054
-7.8%
(174)
1,064
990
-7.0%
(74)
2,163
2,746
26.9%
583
1,303
1,443
10.8%
141
Fee Based Income
195
211
8.4%
16
93
118
27.8%
26
Beban Operasional
1,525
1,821
19.4%
296
849
972
14.4%
122
Gain (Loss) on Financial Statement
40
88
5.0%
48
46
42
-9.2%
(4)
Laba Operasional Sebelum CKPN
873
1,224
40.3%
351
592
632
6.7%
40
Beban CKPN
109
38
-65.3%
(71)
18
20
14.7%
3
Pendapatan Non Operasional
(24)
(34)
40.0%
10
(20)
(14)
-28.0%
(6)
Laba Sebelum Pajak
739
1,152
55.9%
413
555
597
7.7%
43
Beban Pajak
160
247
54.2%
87
117
130
10.5%
12
Laba Bersih
579
905
56.3%
326
437
468
6.9%
30
8
Neraca Neraca (Rp Miliar)
2Q’15
3Q’15
4Q’15
1Q’16
2Q’16
YoY (%)
Kas atau Setara Kas
2,371
1,852
2,355
1,724
3,295
39.0%
Giro pada Bank Indonesia
7,317
6,364
5,826
4,529
4,782
-34.6%
Cadangan Sekunder
26,328
25,247
17,031
25,636
18,197
-30.9%
Kredit (net)
50,699
52,947
54,112
54,148
59,370
17.1%
Aktiva Tetap (net)
852
842
862
868
2,460
188.7%
Aktiva Lainnya
2,430
3,003
2,785
2,782
2,802
15.3%
Total Aktiva
89,997
90,255
82,971
89,687
90,906
1.0%
Total Dana Pihak Ketiga
77,385
77,041
62,749
74,522
68,253
-11.8%
Surat Berharga Yang Diterbitkan
1,722
1,723
1,723
1,122
1,122
-34.8%
Pinjaman Diterima
2,608
2,914
3,852
4,720
5,618
115.4%
Repo
-
-
3,656
-
5,242
-
Lainnya
1,390
1,370
3,321
2,037
1,360
-2.2%
Total Kewajiban
83,105
83,047
75,301
82,402
81,594
-1.8%
Total Ekuitas
6,892
7,208
7,670
7,285
9,311
35.1%
9
Breakdown Kredit Consumer
Micro
Commercial
Mortgage
70
60
4.47
4.51
9.2
9.2
4.49
2Q’16
YoY (%)
Konsumer
36,191
41,447
14.5 %
Mikro
3,922
3,445
-12.2 %
Komersial
7,597
10,778
41.9 %
KPR
4,503
4,462
-0.9 %
Total Kredit
52,213
60,132
15.2 %
10.8
4.50 4.28
(Rp tr)
2Q’15
4.46
50
40
Segmen (Rp Miliar)
6.8 5.1
4.28 7.2 4.8
4.44 6.8 4.5
4.48 6.3 4.2
7.6 3.9
3.6
3.3
7.8 3.2
3.4
30
20 31.5 10
32.7
33.6
34.7
36.2
37.2
38.2
39.7
41.4
Mata Uang (Rp Miliar)
2Q’15
2Q’16
YoY (%)
Rupiah
52,037
59,722
14.8%
Valas
176
410
131.6%
0
10
Kredit Konsumer Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS)
45
2Q’16
YoY (%)
Posisi Kredit
36,191
41,447
14.5 %
Ekspansi Netto (Rp Miliar)
2,613
3,230
23.6%
Rata-Rata Per Debitur (Rp Miliar)
101
110
9.7 %
Jumlah Debitur
359,770
375,585
4.4 %
0.9
35 2.4
2.5
2.6
2.8
3.2
3.6
3.9
4.5
5.6 0.8 0.7 0.6
25 0.5
(%)
(Rp tr)
2Q’15
1.0
40
30
Indikator Utama
20
15
10
29.1
30.2
30.9
31.9
33.0
33.7
34.3
35.2
35.8
0.4
Tingkat Suku Bunga
15.00%-18.45% % eff. p.a
0.3 0.2
5
0.1
0
0.0
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
0.26
0.36
+0.10
NPL
0.11
0.10
-0.01
11
Kredit Mikro KMU (LHS)
Govt Program (LHS)
Others (LHS)
NPL (RHS)
6.0
Indikator Inti
2Q’15
2Q’16
YoY (%)
Posisi Kredit
3,922
3,445
-12.2 %
25.0
Ekspansi Netto (Rp Miliar)
(583)
115
119.8%
20.0
Rata-Rata per Debitur (Rp Miliar)
59
89
51.6 %
Jumlah Debitur
66,487
38,517
-42.1 %
30.0
5.0 0.7 0.8 0.9
4.0
0.9
1.3
1.1 1.1
1.2
3.0
1.1
15.0 1.3 1.5
0.9
3.1 1.0
-
Tingkat Suku Bunga*
1.9
0.8
2.0
(%)
(Rp tr)
1.2
11.0% - 27.5% eff. p.a.
10.0 0.6 0.5
2.7 2.4
2.2
1.9
1.7
0.3
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
14.5
4.5
-10.0
NPL
25.1
14.2
-10.9
5.0 1.4
1.2
1.2 0.0
*Kredit Mikro Utama
12
Kredit Komersial Working Capital (LHS)
Investment (LHS)
Syndicated (LHS)
NPL (RHS)
12.0
15.0
Indikator Inti
2Q’15
2Q’16
YoY (%)
Posisi Kredit
7,597
10,778
41.9 %
Ekspansi Netto (Rp Miliar)
747
1,532
104.9%
Rata-Rata per Debitur (Rp Miliar)
1,226
1,674
36.6 %
Jumlah Debitur
6,198
6,438
3.9 %
14.0 1.5
10.0
13.0 12.0
1.4
1.4
1.8
6.0
10.0
1.2
1.4
1.1
1.7
1.5
8.0 1.3
7.0
1.8
1.7
6.0
1.6 1.6
4.0
7.5 6.0
4.2
9.0
1.4
1.3 1.5
2.0
1.8
4.5
4.0
4.5 3.3
5.0
Tingkat Suku Bunga
6.3% -14.5% eff. p.a
4.0
6.0 4.7
3.0 2.0 1.0
-
(%)
(Rp tr)
8.0
11.0
-
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
5.9
2.5
-3.4
NPL
7.5
3.5
-4.0
13
Kredit Pemilikan Rumah Mortgage Loans (LHS)
NPL (RHS)
4.55
4.50
4.48 4.44
4.45
14.0
4.51 4.49 4.47
4.46
12.0
10.0
8.0 7.0
Posisi Kredit
4,503
4,462
-0.9 %
Ekspansi Netto (Rp Miliar)
59
(44)
-175.3%
Rata-Rata per Debitur (Rp Miliar)
250
233
-7.0 %
Jumlah Debtitur
17,989
19,167
6.5 %
6.0 4.28
4.28
5.0
Tingkat Suku Bunga
7.3% - 13.7% eff. p.a.
4.0 3.0
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
15.4
15.8
+0.4
NPL
6.9
7.0
+0.1
2.0 1.0
4.15
YoY (%)
(%)
(Rp tr)
9.0
4.35
4.20
2Q’16
13.0
11.0
4.40
4.25
2Q’15
15.0 4.50
4.30
Indikator Inti
-
14
Breakdown Dana Pihak Ketiga Current Account
Savings Account
Time Deposit
90
Breakdown Dana Pihak Ketiga (Rp Miliar)
2Q’15
2Q’16
YoY (%)
Giro
27,860
26,017
-6.6 %
Tabungan
9,798
12,497
27.6 %
Deposito
39,728
29,738
-25.1 %
TOTAL
77,385
68,253
-11.8 %
Rasio CASA (%)
48.7
56.4
+7.7
Mata Uang (Rp Miliar)
2Q’15
2Q’16
YoY (%)
Rupiah
76,921
66,957
-13.0%
Valas
464
1,296
179.3%
80
70
(Rp tr)
60
39.7
37.4
33.8 29.7
31.3
50 28.5
29.8
28.0 19.0
40
30 9.0
9.5
12.4
9.7
9.8
11.4
10.2
12.5
14.3
20
10
0
21.8
23.9
21.5
25.6
27.9
29.5
29.3 18.6
26.0
15
Consumer (LHS)
Micro (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
Commercial (LHS)
2,000
4.5
100%
1,800
4.0
90%
1,600
1,200
3.5 543 297
1,000
3.0 729 2.5
568 692
289
706 720
451
323
800 600
694
567
1.5
286
723
920 741
400
647
572
567 389
200 -
2.0
280
84
70
53
73
93
109
106
109
281
234
101
151
271
1.0
155
0.5
149 -
Special Mention Contribution (%)
1,400
80% Special Mention/Total Loans (%)
Absolute Special Mention Loans (Rp bn)
Kredit Dalam Perhatian Khusus
29
34
Micro
36
Commercial
43
38
Mortgage
48
70% 60%
60
55
16 17
20
50%
17
25 19
40%
9 30%
59
50
44
41
20%
35
31
26
23
5
7
8
9
21
19 12
10% 0%
5
4
3
4
12
12
16
Non Performing Loans Consumer (LHS)
Micro (LHS)
Commercial (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
Micro
10
11
Commercial
Mortgage
100%
2,500
4.5
11
13
90%
16
18
18 24
4.0
26
80% 228
3.5
264
194 311 1,500
715
771
340
715
705
3.0 298
571
567
2.5 373 2.0
526
1,000
463
311 1.5 378
500
1,059 1,024 1,066 986 960
-
35
33
29
32
38
40
34
37
35
38
34
30
30
33 30
60%
31
50% 40% 30%
1.0
20%
488
0.5
10%
40
-
968 754
70% NPL Contribution (%)
223
Non Performing Loan/Total Loans (%)
Absolute Non Performing Loans (Rp bn)
2,000
51
52
50
51
52
51
47
43
2
4
40
674
58
0%
2
2
1
2
2
2
3
17
Analisis Imbal Hasil Others 1% Loans 76%
Placement to Bank Indonesia 5% Interbank Placement 2% Marketable Securities 16%
Time Deposit 40%
Interbank Lending 7% Bonds 1%
Current Account 35% Savings Account 17%
Imbal Hasil Aktiva (%)
2Q’15
2Q’16
Penempatan pada BI
4.5
1.6
Penempatan pada Bank Lain
4.7
3.4
Surat Berharga
5.8
7.0
Kredit
15.0
14.8
Lainnya
0.8
1.1
Biaya Dana (%)
2Q’15
2Q’16
Kewajiban pada Bank Lain
5.9
5.7
Surat Berharga yang Diterbitkan
9.9
6.9
DPK dari Masyarakat
5.6
4.8
Giro
2.1
2.1
Deposito
8.7
8.0
Tabungan
1.5
1.6
Pinjaman DIterima
0.0
5.1
18
Kecukupan Modal •Total Modal sebesar Rp 7.9 T ( +Rp 1,8 T YoY)
Aktiva Tertimbang Menurut Risiko (ATMR)
2Q’15
2Q’16
YoY (%)
Total ATMR
38,264
44,574
16.5 %
Risiko Kredit
28,893
34,269
18.6 %
Risiko Operasional
8,150
9,157
12.3 %
Risiko Pasar
1,221
1,148
-5.9 %
ATMR/Total Aktiva
42.5%
49.0%
+6.5%
Modal Inti
5,702
7,440
30.5 %
Modal Pelengkap
361
428
18.6 %
Total Modal
6,063
7,868
29.8 %
Tier-1 CAR
14.9%
16.7%
+1.8%
Total CAR
15.8%
17.7%
• Total CAR 17.7% (+181 bps YoY)
Penambahan Dampak thd ATMR Untuk KPMM Ekspansi Rp 1 (%) Triliun (net)
Analisa KPMM
ATMR
Kredit Konsumer
50%
Rp 500 M
0.20
Kredit Mikro
75%
Rp 750 M
0.29
Kredit Komersial
100%
Rp 1T
0.39
KPR
40%
Rp 400 M
0.16
+1.8%
19
Kinerja Kredit Konsumer (Detail)
20
Kredit Kepada Pegawai Civil Servant Loans (LHS)
NPL (RHS)
40 34.3
35
33.0 30.9 29.1
0.4
31.9 30.2
(%)
(Rp tr)
0.3
20 0.2
15
0.11
0.10 0.10
0
0.09
0.08
0.08 5
2Q’16
YoY (%)
Posisi Kredit
33,000
35,804
8.5 %
Ekspansi Netto (Rp Miliar)
2,063
1,496
-27.5%
Rata-Rata per Debitur (Rp Miliar)
102
110
7.8 %
Jumlah Debitur
322,633
324,800
0.7 %
35.2 33.7
25
10
2Q’15
0.5 35.8
30
Indikator Utama
0.09
0.11
0.11
0.1
Tingkat Suku Bunga
15.00%-18.45% eff. p.a
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
0.24
0.37
+0.13
NPL
0.10
0.09
-0.01
0.0
21
Kredit Kepada Pensiunan Pensioner Loans (LHS)
NPL (RHS)
6,000
5,643
3,909
4,000
4,494
0.3 3,000
(%)
3,191 3,556 (Rp tr)
2Q’16
YoY (%)
Posisi Kredit
3,191
5,643
76.8 %
Ekspansi Netto (Rp Miliar)
550
1,734
215.3%
Rata-Rata per Debitur (Rp Miliar)
86
111
29.3 %
Jumlah Debitur
37,137
50,785
36.8 %
0.5
0.4
2,641 2,407
2,793 0.2
2,519
Tingkat Suku Bunga
2,000 0.12
0.12
0.12
0.11
0
2Q’15
0.44
5,000
1,000
Indikator Utama
0.12
0.12
0.12
15.00%-18.45% eff. p.a
0.11 0.1
Kualitas Aktiva
2Q’15
2Q’16
YoY
Dalam Perhatian Khusus
0.40
0.31
-0.09
NPL
0.12
0.11
-0.01
0.0
22
Kinerja Anak Perusahaan 2Q16 bank bjb Syariah
23
Ringkasan Kinerja
Laporan Laba Rugi
Neraca
Rasio Keuangan (bank)
• Pendapatan Marjin Bersih Rp 148.4 M (-1.6% YoY) • Beban Operasional Rp 739.8 M (+296.9% YoY) • Laba Bersih (rugi) Rp -51,1 M (+3,840.3% YoY)
• Total Pembiayan Rp 5.1 T (+3.6% YoY) • Total Dana Pihak Ketiga Rp 5.5 T (+6.0% YoY) • Total Aktiva at Rp 7.0 T (+12.1% YoY)
• • • •
NIM at 4.6% (-73bps YoY) ROA at -1.9% (-201bps YoY) ROE at -11.3% (+1,173bps YoY) NPF Gross at 17.1% (+1,018bps YoY)
24
Rasio Keuangan
Rasio Utama (%)
2Q’15
2Q’16
YoY (%)
CAR
12.2%
20.9%
+8.7%
NPF Gross
6.9%
17.1%
+10.2%
NPF Nett
4.8%
13.5%
+8.7%
ROA
0.1%
-1.9%
-2.0%
ROE
0.5%
-11.3%
-11.8%
NIM
5.3%
4.6%
-0.7%
BOPO
99.5%
106.1%
+6.6%
FDR
95.7%
93.7%
-2.0%
25
Laporan Laba Rugi Laporan Laba Rugi (Rp Juta)
2Q’15
2Q’16
YoY (%)
Pendapatan Marjjin
355,912
342,511
-3.8%
Beban Marjin
205,141
194,135
-5.4%
Marjin Bersih
150,771
148,376
-1.6%
Pendapatan Operasional Lainnya
38,768
526,217
1257.3%
Beban Operasional
186,386
739,812
296.9%
Pendapatan Operasional
3,153
(65,219)
-2168.5%
Pendapatan (Biaya) Non Operasional
(991)
962
197.1%
Laba Sebelum Pajak
2,162
(64,257)
-3072.1%
Beban Pajak
(777)
13,140
1791.1%
Laba Bersih
1,386
(51,117)
-3790.8%
26
Neraca Ringkasan Neraca (Rp Juta)
2Q’15
2Q’16
YoY (%)
Kas atau Setara Kas
47,963
57,580
20.1%
Giro pada Bank Indonesia
243,202
276,666
13.8%
Cadangan Sekunder
825,993
1,415,278
71.3%
Pembiayaan-net
4,821,567
4,917,214
2.0%
Aktiva Tetap-net
159,965
172,492
7.8%
Aktiva Lainnya
168,370
184,464
9.6%
Total Aktiva
6,267,060
7,023,694
12.1%
Total Dana Pihak Ketiga
5,154,078
5,463,887
6.0%
Pinjaman Diterima
15,453
14,496
-6.2%
Lainnya
463,061
556,567
20.2%
Total Kewajiban
5,632,592
6,034,950
7.1%
Total Ekuitas
634,468
988,744
55.8%
27
Kinerja Bisnis Penyaluran Dana (Rp Juta)
2Q’15
2Q’16
YoY (%)
Murabahah
3,644,184
3,989,521
9.5%
Qardh
83,207
67,855
-18.5%
Pembiayaan
1,208,475
1,058,820
-12.4%
Isthisna
3,582
2,244
-37.4%
Total Pembiayaan (Gross)
4,939,448
5,118,440
3.6%
Penghimpunan Dana (Rp Juta)
2Q’15
2Q’16
YoY (%)
Wadiah
86,088
97,563
13.3%
Wadiah
136,873
168,400
23.0%
Mudharabah Tabungan
435,004
718,516
65.2%
Mudharabah Deposito
4,496,113
4,479,408
-0.4%
Total Dana Pihak Ketiga
5,154,078
5,463,887
6.0%
28
Profil Perusahaan bank bjb
29
Struktur Pemegang Saham Struktur Pemegang Saham
2Q15
2Q16
Seri A
75.00
75.00
Pemerintah Prop. Jawa Barat
38,26
38,26
Pemerintah Kota/Kab. Se-Prop. Jawa Barat
23,61
23,61
Pemerintah Prop. Banten
5,37
5,37
Pemerintah Kota/Kab. Se-Prop. Banten
7,76
7,76
Seri B
25,00
25,00
Perorangan Dalam Negeri
5,47
4,06
Institusi Dalam Negeri
5,78
6,81
Perorangan Asing
0,05
0,02
Institusi Asing
13,70
14,12
30
Road Map Membangun Pertumbuhan Berkesinambungan & Bank Yang Berkinerja Baik
2015 Membangun Pondasi Yang Kuat Strategi
• • • •
2016-2017
2018 - 2019
Pertumbuhan Yang Berkualitas
Bank Dengan Kinerja & Layanan Terbaik
Strategi
Strategi
2020 Bersiap Menghadapi Masyarakat Ekonomi Asean (MEA)
Peningkatan Market Share Dana Pihak Ketiga Peningkatan Kualitas & Penyaluran Kredit Pemenuhan Kebutuhan Permodalan Pengembangan Bidang Penunjang : o Kebijakan Bidang Layanan, Jaringan dan TI o Kebijakan Bidang Organisasi, SDM dan Diklat o Kebijakan Bidang Jasa Perbankan o Kebijakan Bidang Pelaporan dan Pengendalian Biaya o Kebijakan Bidang Manajemen Risiko & Credit Risk Reviewer o Kebijakan Bidang Pengawasan Internal, Hukum dan Kepatuhan Bank o Kebijakan Bidang Hubungan Investor, Komunikasi dan Promosi o Kebijakan Bidang Anak Perusahaan
31
Jaringan Kantor
Others Deposits 2.0 Tr Loans 4.8 Tr Micro Loans 874.7 bn Profit 86.7 bn 61,887 Customers 13 Branch Offices 13 Sub Branch Offices 7 Cash Offices 99 ATM Unit 21 Waroeng bjb 410 Employees
Total Jaringan Kantor 2.570 Total bjb employees 7,472 Total bjb customers 4,527,504
Jakarta Deposits 10.6 Tr Loans 7.9Tr Micro Loans 331 bn Profit 157 bn 115,015 Customers 9 Branch Offices 60 Sub Branches 5 Cash Offices 1 Payment Point 115 ATM Unit 66 Waroeng bjb 546 Employees
Banten Deposits 12.5 Tr Loans 8.2 Tr Micro Loans 319.8 bn Profit 468.3 bn 882,562 Customers 8 Branch Offices 45 Sub Branches 58 Cash Offices 42 Payment Point 203 ATM Unit 58 Waroeng bjb 774 Employees
West Java Deposits 43.1 Tr Loans 39.2 Tr Micro Loans 1.9 Tr Profit West Java 1.84 Tr Loss Head Oficce 1.4 Tr 3,468,040 Customers 33 Branch Offices 193 Sub Branch 260 Cash Offices 92 Payment Point 790 ATM Unit 293 Waroeng bjb 5,721 Employees
32
Detail Jaringan dan Layanan No
Jaringan Kantor
2Q’15
2Q’16
YoY
1
Kantor Cabang
62
63
+1
2
KCP
312
311
-1
3
Kantor Kas
316
330
+14
4
Payment Point
133
135
+2
5
ATM
1,197
1,207
+10
6
bjb Sahabat Usaha (MSME Channel)
485
438
-47
7
Layanan bjb Precious
11
11
-
8
Sentra UMKM
6
6
-
9
Kas Mobil
11
11
-
10
Weekend Banking
11
11
-
11
Cabang Devisa
47
47
-
2,591
2,570
-21
Total
33
Sumber Daya Manusia Berdasarkan Pendidikan Level
2Q’15
2Q’16
YoY
Dewan Komisaris
4
5
+1
Direksi
7
7
-
Manajemen Puncak
40
42
+2
Manajemen Madya
244
321
+77
Manajemen Lini Pertama
1,685
1,799
+114
Staff
5,127
5,289
+162
Pegawai MPP
10
9
-1
Total Pegawai Tetap
7,117
7,472
+355
Pegawai Kontrak Divisi Mikro
-
-
-
Lain-Lain
2,688
4,371
+1,683
Total Pegawai Kontrak
2,688
4,371
+1,683
Total Pegawai
9,805
11,843
+2,038
Master of Doctorate
5%
Up to high School 0%
Up to Bachelor Degree 95%
Berdasarkan Usia
31 - 40 21%
41 - 50 6% > 50 1%
18 - 30 72%
34
Penghargaan Tahun 2016
The Best BUKU 3 Bank for Asset 50 – 100 Trillion
Top 4th Listed Bank
Koran Sindo BPD Award 2016 – Best of The Best Bank Buku III
Koran Sindo BPD Award 2016 – Best CEO
35
Penghargaan Tahun 2016
Appreciation On Positive Contribution To The Tax Revenue In 2015
Contact Center Service Excellent Award 2016 – bjb Call As Best Call Center For Regular Banking Category
Warta Ekonomi Award – Digital Innovation For Banking
Koran Sindo Inspiration For Indonesia – Appreciation SINDO CSR Awards For Environmental Category
Infobank MRI Award – 1st Best ATM Commercial Bank
Bisnis Indonesia Award– Best Small Cap In Indonesia
Infobank MRI Award – 10st Best Overall Performance Commercial Bank
Investor Daily Award– Biggest Core Capital BUKU iii Category
SWA Magazine – Ranked 46th Indonesia’s 100 Most Valuable Brands Awards
36
Penghargaan Tahun 2015
Brand Finance Plc Brand Rating & SWA – Ranked 43rd Most Valuable Indonesia Brand 2015
Markplus WOW Brand Award 2015 – Best Champion Of Bandung Category Conventional Bank (BUKU III)
Markplus WOW Brand Award 2015 – Best Champion Of Bandung Category Saving Account (BUKU III)
Tribute From Bank Indonesia - Annual Report Award Year Ended 2014 – 2nd Best Regional Company Listed
Tribute From OJK - Annual Report Award Year Ended 2014 – 2nd Best Regional Company Listed
Ministry of Finance Awards – Best Taxpayer for West Java Region
IICD - Corporate Governance & Award – Top 50 Public Listed Companies
Corruption Eradication Commission Awards– Best Gratification Control Unit For Regional Owned Enterprises 2015
37
Penghargaan Tahun 2015
Indonesia Property & Bank Award X 2015
Infobank Award – Best Financial Performance “ Best Of The Best” 2000 2014
Infobank Banking Service Excellence Award 2015 – 1st Best SMS Banking Conventional Banking Category
Annual Report Award Year Ended 2014 – 2nd Best Regional Company Listed
MNC Business Award 2015 – Best Listed Regional Bank
Markplus WOW Brand Award 2015 - Gold Champion Category Time Deposit By Conventional Bank (BUKU III)
38
Kinerja Saham Volume (RHS)
Price (LHS) 120
1350 100
1250
1150 80
Rp/share
Million Shares
1050
60
950
850
40
750 20
Investor Relations Group Menara bank bjb 7 th Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141
[email protected] Contact Person: Muhammad As’adi Budiman Group Head
[email protected] Ari Budiman Manager
[email protected] Anjas Septa Lesmana Senior Officer
[email protected] Indra Maulana Senior Officer
[email protected]
650
550
0
Source: Bloomberg
39
Menara bank bjb Jl. Naripan 12 – 14 7 th Floor Bandung 40111 Telp. +6222 4234868
