Lebih Besar, Lebih Kuat, Lebih Baik
bank bjb Ringkasan Kinerja per 31 Maret 2015
Daftar Isi Hal. 5
Ringkasan Kinerja
Hal. 10
Breakdown Kredit
Hal. 15
Breakdown Dana Pihak Ketiga
Hal. 16
Kualitas Aktiva Produktif
Hal. 19
Analisis Imbal Hasil
Hal. 21
Kecukupan Modal
Hal. 22
Kinerja Kredit Konsumer (Detail)
Hal. 29
Kinerja Anak Perusahaan (bank bjb Syariah)
Hal. 35
Profil Perusahaan
2
Ekonomi Makro Indeks Kepercayaan Konsumen Menurun
BI Rate turun 25 bps menjadi 7.50% GDP Growth
BI Rate
Consumer Confidence Index
10
140 120 Index (points)
6 4 2
CPI
Pelemahan Rupiah Terus Berlanjut
1M JIBOR
USDIDR
14 12
0
Source: Bloomberg
USD IDR
(%)
10
2
40
Source: Bloomberg
Tingkat Inflasi berada di Batas Atas
4
60
0
Source: Bloomberg
6
80
20
0
8
100
13000 12000 11000 10000 9000 8000 7000 6000
10Yr Govt Bond 25 20 15 10
Yield (%)
(%)
8
5 0
Source: Bloomberg
3
Sektor Perbankan YoY Growth (%)
40.0
Loans Growth
Deposit Growth
Per Jan‘15, kinerja sektor perbankan adalah sbb:
35.0
• Total Kredit +11.64%YoY menjadi Rp3,667 tr (Kredit
30.0
Investasi +13.76 % YoY, Kredit Modal Kerja +10.73%
25.0
YoY, Kredit Konsumer +10.98% YoY)
20.0 15.0
• Total Dana Pihak Ketga +14.23% YoY menjadi
10.0
Rp4.106 tr (CASA -3,84% YoY, Deposito Berjangka
5.0
+24.07% YoY, Rasio CASA 51.51%)
-
• NPL +0,37% YoY menjadi 2,31% • ROA -0,08% YoY menjadi 2.87% Source: Bank Indonesia
Investment Loans 60
YoY Growth (%)
50
WC Loans
Jan ’14
Jan ’15
YoY (%)
Total Kredit
3,285
3.667
+11.64
Total DPK
3,563
4.055
+14,23
LDR
90.47
88,48
-1,99
NPL
1.94
2.31
+0.37
ROA
2,90
2,82
-0,08
NIM
4.17
4.24
+0.07
Consumer Loans
40 30 20 10 -
Source: Bank Indonesia
4
Ringkasan Kinerja
Laporan Laba Rugi
• Pendaptan Bunga Bersih Rp 1.2 T (+11.2% YoY/ +1.2% QoQ) • Laba Operasional Sebelum CKPN Rp 559 M (+8.0% YoY/ +13.2% QoQ) • Beban CKPN Rp 61 M (-40.9% YoY/ -60.2% QoQ) • Laba Bersih Rp 388 M (+18.9% YoY/ -3.8% QoQ)
Neraca
• • • •
Total Kredit Rp 49.9 T (+9.5% YoY/ +0.5% QoQ) Total Pembiayaan Syariah Rp 4.6 T (+27.3% YoY/ 5.5% QoQ) Total DPK Rp 71.4 T (+16.1% YoY/ +23.7% QoQ) Total Aset Rp 87.6 T (+11.0% YoY/ +15.5% QoQ)
Rasio Keuangan (bank)
• • • •
NIM 6.8% (0bps YoY/ -3bps QoQ) ROA (Net) 2.0% (+13bps YoY/ +48bps QoQ) ROE (Net) 21.4% (+203bps YoY/ +483bps QoQ) NPL (Gross) 4.2% (+37bps YoY/ +3bps QoQ)
5
Target dan Pencapaian (%)
Target
1Q14
2Q14
3Q14
4Q14
1Q15
Pertumbuhan Kredit
14% - 15%
20.3
14.6
11.7
10.5
10.9
Pertumbuhan Dana Pihak Ketiga
16% - 17%
26.5
13.4
14.2
15.5
16.1
ROA (net)
1.7% - 1.9%
1.9
1.3
1.3
1.5
2.0
ROE (net)
16% - 19%
19.4
14.7
14.5
16.6
21.4
NIM
7% - 7.1%
6.8
6.4
6.7
6.8
6.8
Biaya Dana
5.4% - 5.8%
5.8
6.0
5.9
5.9
5.4
Rasio Cost to Income
58% - 62%
55.4
59.8
59.4
61.8
59.3
NPL (Gross)
2.8% - 3%
3.8
4.0
4.1
4.2
4.2
Credit Cost
1.0% - 1.2%
1.4
1.4
1.6
1.5
1.4
Rasio CASA
55% - 6 0%
43.9
51.9
54.4
64.1
53.0
6
Rasio-Rasio Keuangan (bank) Rasio Utama
1Q14
2Q14
3Q14
4Q14
1Q15
ROA (net)
1.9
1.3
1.3
1.5
2.0
ROE (net)
19.4
14.7
14.5
16.6
21.4
Rasio Cost to Income
55.4
59.8
59.4
61.8
59.3
BOPO
79.6
85.0
85.2
85.9
78.0
Imbal Hasil Asset
12.5
12.4
12.6
12.6
12.1
Biaya Dana
5.8
6.0
5.9
5.9
5.4
NIM
6.8
6.4
6.7
6.8
6.8
LDR
78.2
80.5
79.7
93.2
74.6
Rasio Kredit Dapersus
3.8
3.9
3.4
3.2
3.3
NPL (Gross)
3.8
4.0
4.1
4.2
4.2
NPL (Net)
1.3
1.1
1.0
1.0
1.1
Coverage Ratio
68.5
73.5
79.4
77.2
75.8
CKPN / Total Kredit
2.6
2.9
3.4
3.2
3.2
Credit Cost
1.4
1.4
1.6
1.5
1.4
16.2
15.8
16.2
16.1
15.6
Profitabilitas
Rasio Efisiensi
Imbal Hasil
Kualitas Aktiva
Permodalan CAR
7
Laporan Laba Rugi Laporan Laba Rugi (Rp Miliar)
1Q14
1Q15
YoY (%)
Pendapatan Bunga
2,125
2,265
6.6%
Beban Bunga
1,045
1,064
1.8%
Pendapatan Bunga Bersih
1,080
1,201
11.2%
Fee Based Income
65
88
35.4%
Beban Operasional
643
750
16.8%
Gain (Loss) on Financial Statement
15
20
34.4%
Laba Operasional Sebelum CKPN
517
559
8.0%
Beban CKPN
104
61
-40.9%
Pendaptan Non Operasional
1
(7)
-
Laba Sebelum Pajak
414
491
18.5%
Beban Pajak
(88)
(102)
16.9%
Laba Bersih
326
388
18.9%
8
Neraca Neraca (Rp Miliar)
1Q14
2Q14
3Q14
4Q14
1Q15
YoY (%)
Kas atau Setara Kas
1,607
1,984
1,763
2,768
1,726
7.4%
Giro pada Bank Indonesia
4,622
4,861
4,839
5,178
5,127
10.9%
Cadangan Sekunder
21,393
18,296
17,411
12,599
24,908
16.4%
Kredit (net)
44,329
46,554
47,602
48,028
48,280
8.9%
Pembiayaan Syariah (net)
3,588
3,770
4,014
4,301
4,528
26.2%
Aktiva Tetap (net)
698
683
672
664
648
-7.1%
Aktiva Lainnya
2,662
2,433
2,430
2,299
2,342
-12.0%
Total Aktiva
78,899
78,581
78,731
75,837
87,559
11.0%
Total Dana Pihak Ketiga
61,522
62,435
64,587
57,741
71,417
16.1%
Surat Berharga Yang Diterbitkan
2,121
2,121
1,722
1,722
1,722
-18.8%
Pinjaman Diterima
6,643
6,165
4,498
6,443
5,311
-20.0%
Lainnya
2,326
1,422
1,248
2,847
2,333
0.3%
Total Kewajiban
72,612
72,143
72,055
68,753
80,783
11.3%
Total Ekuitas
6,287
6,438
6,676
7,084
6,776
7.8%
9
Breakdown Kredit (bank) Consumer
Micro
Commercial
Mortgage
60
50
4.3 3.5
3.9
6.8
2.3
(Rp tr)
6.5
7.0
5.8
30
5.5
5.5
7.0 5.4
4.4
7.2
6.8
6.1 5.2
5.1
4.8
4.5
1Q14
1Q15
YoY (%)
Konsumer
29,892
34,681
16.0 %
Mikro
5,166
4,182
-19.1 %
Komersial
6,091
6,271
3.0 %
KPR
4,143
4,480
8.1 %
Total Kredit
45,293
49,614
9.5 %
Mata Uang (Rp Miliar)
1Q14
1Q15
YoY (%)
Rupiah
45,077
49,437
9.7%
Valas
216
177
-17.7%
4.5
4.1
2.9 40
4.3
Segmen (Rp Miliar)
6.3 4.2
5.1
20
24.5 10
26.7
27.9
28.9
29.9
31.5
32.7
33.6
34.7
0
10
Kredit Konsumer Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS) 40
2.5
2.6
2.8
2.4 30 1.7
1Q15
YoY (%)
Posisi Kredit
29,892
34,681
16.0 %
Ekspansi Netto (Rp Miliar)
1,035
1,103
6.5%
2.0
Rata-Rata Per Debitur (Rp Miliar)
87
98
12.1 %
Jumlah Debitur
343,193
355,239
3.5 %
0.9 0.8
2.2 0.7
1.5 1.1
0.6
20
0.5
15 23.4
26.8 27.7 25.3 26.1
30.9 31.9 29.1 30.2
0.4
(%)
(Rp tr)
1Q14
1.0
35
25
Indikator Utama
Tingkat Suku Bunga
15.00%-18.45% % eff. p.a
0.3
10 0.2 5
0
0.1
Kualitas Aktiva
1Q14
1Q15
YoY (%)
Dalam Perhatian Khusus
0.22
0.21
-0.01
NPL
0.11
0.09
-0.02
0.0
11
Kredit Mikro KMU (LHS)
Govt Program (LHS)
KCR (LHS)
NPL (RHS)
6.0
0.7
5.0
0.7
0.7
0.6
0.6
Key Ratios
1Q14
1Q15
YoY (%)
30.0
Posisi Kredit
5,166
4,182
-19.1 %
25.0
Ekspansi Netto (Rp Miliar)
(187)
(324)
-72.9%
Rata-Rata per Debitur (Rp Miliar)
55
56
1.9 %
Jumlah Debitur
93,408
74,186
-20.6 %
0.7 0.8
1.3
1.3
1.2
0.9
1.3
20.0 0.9
1.3 1.2 1.2
3.0
15.0 1.1
2.0
-
Tingkat Suku Bunga*
11.0% - 27.5% eff. p.a.
10.0 3.2
1.0
(%)
(Rp tr)
4.0
1.2
3.6
3.6
3.4
3.3
3.1
2.7
2.4
2.2
Kualitas Aktiva
1Q14
1Q15
YoY (%)
Dalam Perhatian Khusus
18.3
13.7
-4.6
NPL
16.4
25.5
+9.1
5.0
0.0
*Kredit Mikro Utama
12
Kredit Komersial Working Capital (LHS)
Syndicated (LHS)
Investment (LHS)
NPL (RHS)
8.0
Key Ratios
1Q14
1Q15
YoY (%)
Posisi Kredit
6,091
6,271
3.0 %
Ekspansi Netto (Rp Miliar)
(897)
(578)
35.6%
Rata-Rata per Debitur (Rp Miliar)
923
1,269
37.5 %
Jumlah Debitur
6,600
4,942
-25.1 %
15.0 14.0
7.0
13.0 1.0
1.2
0.9 0.8
5.0 (Rp tr)
1.0
12.0
1.3
11.0 1.3
1.3
1.1
1.3
1.5
1.2
10.0
1.5
1.5
1.4
4.0
9.0
1.6 1.6
8.0 7.0 6.0
3.0
5.0 4.8 2.0
1.0
3.9
4.3
4.5
4.2 3.5
4.5
Tingkat Suku Bunga
6.3% -14.5% eff. p.a
4.0
4.0 3.3
3.0 2.0 1.0
-
(%)
6.0
1.1
-
Kualitas Aktiva
1Q14
1Q15
YoY (%)
Dalam Perhatian Khusus
4.5
4.5
-
NPL
11.1
11.4
+0.3
13
Kredit Pemilikan Rumah Mortgage Loans (LHS)
NPL (RHS)
5,000
Key Ratios
1Q14
1Q15
YoY (%)
Posisi Kredit
4,143
4,480
8.1 %
Ekspansi Netto (Rp Miliar)
232
36
-84.5%
Rata-Rata per Debitur (Rp Miliar)
271
254
-6.2 %
Jumlah Debtitur
15,271
17,609
15.3 %
15.0 4,444 4,480
4,500 4,143 3,911
4,000 3,506
4,282 4,280
14.0 13.0 12.0 11.0
3,500 10.0 2,916
(Rp bn)
3,000
9.0 8.0
2,500 2,000
2,287
7.0 6.0 5.0
1,500
Tingkat Suku Bunga
7.3% - 13.7% eff. p.a.
4.0 1,000
3.0
Kualitas Aktiva
1Q14
1Q15
YoY (%)
Dalam Perhatian Khusus
10.5
15.4
+4.9
NPL
4.1
5.9
+1.8
2.0 500 1.0 -
-
14
Breakdown Dana Pihak Ketiga (bank) Current Account
Savings Account
Time Deposit
70
Breakdown Dana Pihak Ketiga (Rp Miliar)
1Q14
1Q15
YoY (%)
60
Giro
16,568
25,581
54.4 %
Tabungan
8,874
9,678
9.1 %
Deposito
32,489
31,277
-3.7 %
TOTAL
57,931
66,536
14.9 %
Rasio CASA (%)
43.9
53.0
+9.1
Mata Uang (Rp Miliar)
1Q14
1Q15
YoY (%)
Rupiah
57,172
66,310
16.0%
Valas
759
226
-70.2%
31.3
50 28.0 28.5
(Rp tr)
40
26.6
19.0
32.5
27.0 18.6
22.6 30
9.5
9.0 20
10
0
7.6 7.1
8.2
11.8
9.7 12.4
8.9
18.2 16.4 16.6 15.5 17.4
25.6 21.8 23.9 21.5
15
Kualitas Aktiva Produktif Credit Provision (LHS)
Absolute NPL (LHS)
Coverage Ratio (RHS) 2,500
100
2,000
(Rp bn)
1,277 1,185 962
1,000
60 50
16.4
25.5
+9.1
65
Komersial
11.1
11.4
+0.3
63
KPR
4.1
5.9
+1.8
-
Total
3.8
4.2
+0.4
128
Net NPL
4.5
40
3.8
4.0
4.0
4.1
4.2
4.2
3.5 30 20
2.8
3.0 (%)
500
Mikro
Gross NPL
796786 621
-
70 1,574
1,081 1,017 896
-0.02
(%)
1,393
0.09
80
1,731
1,500
0.11
Konsumer
2,077
1,894
1,612 1,584
PH 2015 (Rp Miliar)
1Q14
90 2,030 2,052
1Q15
YoY (%)
NPL Gross (%) (Bank only)
2.5
2.1
2.3
2.5
2.0 1.3
1.5 10
1.0
0.7
0.6
0.6
1.1
1.0
1.0
1.1
0.6
0.5 -
0
0.0
16
Kredit Dalam Perhatian Khusus Consumer (LHS)
Micro (LHS)
Mortgage (LHS)
% to Loans (RHS)
Consumer
Commercial (LHS)
4.5
14 90%
254
543
294
434 692
210
3.0
304 323
378 275 297 567
420 1,000
568
2.5
323
2.0
289
800
280 1.5
600
997 1,011
790
900 943 920 1.0
741 647 572
0.5
200 67
63
54
64
67
19
3.5
347
1,200
84
Mortgage
17
21
25
29
34
80%
70
53
73
-
Special Mention Contribution (%)
1,600
-
16
4.0
Special Mention/Total Loans (%)
Absolute Special Mention Loans (Rp bn)
1,800
400
Commercial
100%
2,000
1,400
Micro
70%
28
36
19 22
16 16
60%
17 20
50% 40% 62 30%
53
60 53
55
50 44
41
20% 10% 0%
4
4
3
4
4
5
4
3
17
Non Performing Loans Consumer (LHS)
Micro (LHS)
Consumer
Commercial (LHS)
Mortgage (LHS)
9 90%
4.0
80%
3.5
70%
194 3.0
171 715 771 715 705
2.5
119 679 2.0 112
1,000 87 68
517
1.5
454 467
500
408
289
-
30
849 378 29
484 31
960
1,059 1,024 1,066
607
34
33
35
33
29
32
51 NPL Contribution (%)
Absolute Net Performing Loans (Rp bn)
223 228 264
4.5
Net Performing Loan/Total Loans (%)
2,500
1,500
Commercial
Mortgage
100%
% to Loans (RHS)
2,000
Micro
49
10
10
11
11
13
39
37
35
38
34
48
49
51
52
50
51
3
2
2
2
1
2
9
10
40
45
3
42
60%
50%
40%
30%
1.0
20%
0.5
10%
-
9
0%
36
39
4
3
18
Analisis Imbal Hasil Others 1.0% Placement to Bank Indonesia 9.5%
Loans 71.4%
Interbank Placement 3.1% Marketable Securities 15.1%
Savings Account 13.3% Time Deposit 43.1%
Current Account 35.3%
Bonds 2.4%
Interbank Lending 5.9%
Imbal Hasil Aktiva
1Q14
1Q15
Penempatan pada BI
4.4
3.1
Penempatan pada Bank Lain
3.2
4.7
Surat Berharga
5.9
6.1
Kredit
15.5
15.0
Lainnya
1.0
0.4
Biaya Dana
1Q14
1Q15
Kewajiban pada Bank Lain Surat Berharga yang Diterbitkan
7.2
5.5
9.0
11.0
DPK dari Masyarakat
5.4
5.2
Giro
2.3
2.0
Deposito
8.3
8.6
Tabungan
1.8
1.6
Pinjaman DIterima
-
-
19
Komposisi Nasabah
100%
Consumer
Micro
1.9 2.0
2.7 2.1
2.3 2.2
Commercial
3.1 1.9
3.3 1.4
3.5 1.7
Mortgage
Government
3.6 1.9
3.8 1.4
3.9 1.1
18.6
17.6
16.4
90% 20.7
20.8
20.7
20.4
19.6
80%
80%
70%
70%
60% 50%
76.2
74.8
74.3
74.3
74.9
75.2
75.9
77.2
78.6
Funding Proportion (%)
Lending Proportion (%)
19.9
60%
84.5
84.3
86.6
92.0
91.8
92.0
91.8
90.9
90.5
7.6 0.4
7.7 0.4
7.6 0.4
7.8 0.4
8.6 0.5
9.0 0.5
50% 40%
30%
30%
20%
20%
10%
10%
0%
Retail
100%
90%
40%
Corporate
14.4
14.8
1.2
0.9
12.6
0.8
0%
20
Kecukupan Modal •Total Modal sebesar Rp 5.7 T ( +Rp 269 M YoY)
Aktiva Tertimbang Menurut Risiko (ATMR)
1Q14
1Q15
YoY (%)
Total ATMR
33,596
36,494
8.6 %
Risiko Kredit
25,290
27,115
7.2 %
Risiko Operasional
7,204
8,150
13.1 %
Risiko Pasar
1,102
1,229
11.5 %
ATMR/Total Aktiva
45.3%
44.6%
-0.7%
Modal Inti
5,433
5,679
4.5 %
Modal Pelengkap
(5)
17
-
Total Modal
5,428
5,696
5.0 %
Tier-1 CAR
16.2%
15.6%
-0.6%
Total CAR
16.2%
15.6%
• Total CAR 15.6% (-54bps YoY)
Penambahan Dampak thd ATMR Untuk KPMM Ekspansi Rp (%) 1 Triliun (net)
Analisa KPMM
ATMR
Kredit Konsumer
50%
Rp 500 M
0.21
Kredit Mikro
75%
Rp 750 M
0.31
Kredit Komersial
100%
Rp 1 T
0.42
KPR
40%
Rp 400 M
0.17
-0.6%
21
Kinerja Kredit Konsumer (Detail)
22
Kinerja Kredit Konsumer
Pertumbuhan
Kualitas
• Total Kredit Konsumer Rp 34.7 T(+16.0% YoY/ +3.3% QoQ) • Ekspansi netto sebesar Rp 4.8tr YoY/ +1.1tr QoQ • Total Kredit Konsumer berkontribusi sebesar 69.9% ( +390bps YoY/ +190bps QoQ) • Jumlah Debitur sebesar 355,239 Nasabah (+12,046 YoY/ +4,793 QoQ)
• • • •
NPL 0.09 % (-2bps YoY/ +1bps QoQ) NPL Nominal sebesar Rp 32.5 bn (-0.4bn YoY/ +3.9bn QoQ) Kredit Dalam Perhatian Khusus 0.21% (-1bps YoY/ +5bps QoQ) Kredit Dalam Perhatian Khusus sebesar Rp 72.6 bn (+5.8bn YoY/ +19.4bn QoQ)
23
Kredit Konsumer Civil Servant Loans (LHS)
Pensioner Loans (LHS)
NPL (RHS) 40
1Q15
YoY (%)
Posisi Kredit
29,892
34,681
16.0 %
Ekspansi Netto (Rp Miliar)
1,035
1,103
6.5%
Rata-Rata per Debitur (Rp Miliar)
87
98
12.1 %
Jumlah Debitur
343,193
355,239
3.5 %
0.9 2.41
2.52
2.64
2.79
0.8
2.21
30 1.46
1.74
2.02
0.7
1.11
0.6
20
0.5
15 23.4
26.8 27.7 25.3 26.1
30.9 31.9 29.1 30.2
0.4
(%)
(Rp tr)
1Q14
1.0
35
25
Indikator Utama
Tingkat Suku Bunga
15.00%-18.45% % eff. p.a
0.3
10
5
0
0.2
Kualitas Aktiva
1Q14
1Q15
YoY (%)
0.1
Dalam Perhatian Khusus
0.22
0.21
-0.01
NPL
0.11
0.09
-0.02
0.0
24
Kredit Kepada Pegawai Negeri Sipil Civil Servant Loans (LHS)
NPL (RHS)
35
0.5
Indikator Utama
1Q14
1Q15
YoY (%)
Posisi Kredit
27,682
31,888
15.2 %
Ekspansi Netto (Rp Miliar)
843
951
12.8%
Rata-Rata per Debitur (Rp Miliar)
88
99
12.5 %
Jumlah Debitur
312,969
320,611
2.4 %
31.9 30.2 30
30.9 27.7 26.1
25
29.1
0.4
26.8 23.4 25.3 0.3 (%)
(Rp tr)
20
15 0.2
10
0.12
0.11 0.11
5
0
0.11 0.12
0.10
0.09
0.11
0.1
Tingkat Suku Bunga
15.00%-18.45% % eff. p.a
Kualitas Aktiva
1Q14
1Q15
YoY
Dalam Perhatian Khusus
0.21
0.20
-0.01
NPL
0.11
0.09
-0.02
0.08
0.0
25
Kredit Kepada Pensiunan Pensioner Loans (LHS)
NPL (RHS)
Indikator Utama
1Q14
1Q15
YoY (%)
Posisi Kredit
2,210
2,793
26.3 %
Ekspansi Netto (Rp Miliar)
192
152
-21.1%
Rata-Rata per Debitur (Rp Miliar)
73
81
10.3 %
1,464
Jumlah Debitur
30,224
34,628
14.6 %
0.08
Tingkat Suku Bunga
3,000
0.2 2,793 2,519
2,500
2,641
2,210 2,407
2,018 0.11
0.12
(Rp tr)
0.12 1,500
0.09
0.12
0.12
1,743 0.10
0.11
0.1
(%)
2,000
1,109 1,000
500
0
15.00%-18.45% % eff. p.a
Kualitas Aktiva
1Q14
1Q15
YoY
Dalam Perhatian Khusus
0.39
0.31
-0.08
NPL
0.10
0.12
+0.02
0.0
26
Kredit Dalam Perhatian Khusus Kontribusi Kredi Pensiunan +6.8% YoY
Nominal Kredit Dalam Perhatian Khusus +8.7% YoY Civil Servant Loans (LHS)
Pensioner Loans (LHS) Civil Servant Loans
Special Mention Loans (RHS)
90
Pensioner Loans
100%
0.5
8.3
10.3
10.5
12.8
12.8
13.8
15.1
15.2
89.7
89.5
87.2
87.2
86.2
84.9
84.8
90%
80
11.8
80%
8.6 5.6 60
10.6
8.5
6.5
8.1 0.3 5.7
50
8.1
0.3 40
30
0.3 0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2 20
0.1
10
Special Mention Laons Contribution (%)
0.4
70
Special Mention Loans (%)
Absolute Special Mention Loans (Rp bn)
11.6
70%
60% 50% 91.7 40%
88.2
30% 20% 10%
61.3 56.2 48.3 55.6 58.3 72.4 59.8 45.1 64.0 0
-
0%
27
Non Performing Loans Kontribusi Kredit Pensiunan +7.6% YoY
NPL Nominal Kredit Konsumer -1.1% YoY Civil Servant Loans (LHS)
Civil Servant Loans (LHS)
Pensioner Loans (LHS) 100%
NPL (RHS) 40
4.1
3.9
5.2
0.5
7.2
Pensioner Loans (LHS) 6.6
8.5
8.7
9.9
10.2
90.1
89.8
90% 35 2.4 1.3
0.4
2.9
2.2
3.3
1.6
70%
1.1
25
0.3 NPL (%)
Absolute NPL (Rp bn)
2.8
20
15
29.0 28.1
0.2
31.3 30.7 32.0 30.3 29.7
NPL Contribution (%)
30
80%
3.0
60%
95.9
96.1
92.8 50%
94.8
93.4
91.5 91.3
40%
29.2 25.7
30%
10 0.1 0.1 5
0
0.1
0.1
0.1
0.1
0.1 0.1
0.1
20%
0.1 10%
0.0
0%
28
Kinerja Bisnis Syariah 1Q15 bank bjb Syariah
29
Ringkasan Kinerja
Laporan Laba Rugi
Neraca
Rasio Keuangan (bank)
• Pendapatan Marjin Bersih Rp 75.5 M (+37.4% YoY) • Beban Operasional Rp 85.5 M (+39.1% YoY) • Laba Bersih Rp 727 Juta (-27.4% YoY)
• Total Pembiayan Rp 4.6 T (+27.3% YoY) • Total Dana Pihak Ketiga Rp 4.8 T (+37.0% YoY) • Total Aktiva at Rp 6.0 T (+17.0% YoY)
• • • •
NIM at 6.2% (+62bps YoY) ROA at 0.1% (-7bps YoY) ROE at 0.5% (-18bps YoY) NPF Gross at 7.2% (+423bps YoY)
30
Rasio Keuangan
Rasio Utama (%)
1Q14
1Q15
YoY
CAR
18.1%
13.7%
-4.4%
NPF Gross
3.0%
7.2%
+4.2%
NPF Nett
2.3%
5.0%
+2.7%
ROA
0.1%
0.1%
-
ROE
0.7%
0.5%
-0.2%
NIM
5.6%
6.2%
+0.6%
BOPO
97.4%
98.7%
+1.3%
FDR
87.5%
88.5%
+1.0%
31
Laporan Laba Rugi Laporan Laba Rugi (Rp Juta)
1Q14
1Q15
YoY
Pendapatan Marjjin
137,639
173,309
25.9%
Beban Marjin
82,695
97,811
18.3%
Marjin Bersih
54,944
75,498
37.4%
Pendapatan Operasional Lainnya
8,175
11,149
36.4%
Beban Operasional
61,489
85,544
39.1%
Pendapatan Operasional
1,630
1,103
-32.3%
Pendapatan (Biaya) Non Operasional
135
5
-96.3%
Laba Sebelum Pajak
1,765
1,108
-37.2%
Beban Pajak
(764)
(381)
-50.1%
Laba Bersih
1,001
727
-27.4%
32
Neraca Ringakasan Neraca (Rp Juta)
1Q14
1Q15
YoY
Kas atau Setara Kas
27,513
27,806
1.1%
Giro pada Bank Indonesia
165,055
220,552
33.6%
Cadangan Sekunder
1,082,651
961,291
-11.2%
Pembiayaan-net
3,587,975
4,528,102
26.2%
Aktiva Tetap-net
164,176
158,884
-3.2%
Aktiva Lainnya
95,848
99,126
3.4%
Total Aktiva
5,123,218
5,995,761
17.0%
Total Dana Pihak Ketiga
3,466,662
4,750,923
37.0%
Pinjaman Diterima
974,631
542,113
-44.4%
Lainnya
64,917
63,247
-2.6%
Total Kewajiban
4,506,210
5,356,283
18.9%
Total Ekuitas
617,008
639,478
3.6%
33
Kinerja Bisnis Total Financing
Total Funding
Penyaluran Dana (Rp Juta)
1Q14
1Q15
YoY (%)
Murabahah
2,218,215
3,378,998
52.3%
Ijarah
14,591
53,150
264.3%
Pembiayaan
1,259,359
1,116,509
-11.3%
Qardh
148,930
88,075
-40.9%
Isthisna
5,390
3,977
-26.2%
Total Pembiayaan (Gross)
3,646,485
4,640,709
27.3%
Penghimpunan Dana (Rp Juta)
1Q14
1Q15
YoY (%)
Wadiah
72,474
85,463
17.9%
1.0
Wadiah
104,799
144,039
37.4%
0.5
Mudharabah
328,308
515,923
57.1%
Mudharabah
2,961,082
4,005,499
35.3%
Total Dana Pihak Ketiga
3,466,662
4,750,923
37.0%
5.0 4.6 4.5
4.6
4.2
4.4
4.0
4.1 3.5
3.5
3.3 3.4
(Rp tr)
3.0
4.8
3.7
3.6 3.6 3.1 3.1
3.8 3.0
3.0
3.1
2.5
2.0 1.5
0.0
34
Profil Perusahaan bank bjb
35
Struktur Pemegang Saham Struktur Pemegang Saham
1Q14
1Q15
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
4,90
4,94
Institusi Dalam Negeri
5,42
5,52
Perorangan Asing
0,02
0,02
Institusi Asing
14,66
14,52
36
Road Map To Build Sustainable Growth And Excellent Performance Bank
2015 Build Strong Foundation Strategy
• • • •
2016-2017
2018 - 2019
Quality Growth
A Bank With Excellent Performance And Services
Strategy
Strategy
2020 Ready For Asean Economic Community (AEC)
Increasing Deposit Market Share Improving Loans Quality And Distribution Increasing Capital Adequacy Developing Support Functions : o Enhancing Information Technology, Network And Services o Improving Human Capital o Widening Services Policy o Improving Cost Control o Implementing Risk Management And Credit Risk Principles o Enhancing Audit Function, Legal And Compliance o Improving Corporate Secretary Function o Increasing Performance Of Subsidiaries
37
Aliansi Bisnis dan Strategi Sustainable Growth and Excellent Performance Bank
Commercial & Corporate Loans
Micro Loans
oImproving Micro Loans Quality oRedesign Organizational Structure & Business Process oLinkage And Strategic Alliances With Rural Bank
oImproving Loans Process Through Four Eyes Principles
Consumer Loans & Mortgage oOrganic And Inorganic Growth o More Focus On Pensioner Loans
oRisk Management And Expanding Quality Growth
Consumer & Institutions Deposit
Treasury and International
Subsidiary Companies
oIncreasing CASA Composition Through Cash Management
oProviding Trade Finance, Remittances, and Dealing Services for Customers
o Enhancing Performance Of Subsidiaries
o Developing Internet & Mobile Banking
oOptimization Of Capital Market, Foreign Exchange & Derivatives
oBuilding Deposit & Services Infrastructure
Support Strategy Risk Management and Credit Risk
Improving Organizational Structure And HR Competencies Through Extensive Training Program
Developing Audit Function, Legal And Compliance
Network Expansion IT, and Services Improvement
Enhance Communication with Investors
38
Jaringan dan Layanan
Others Deposits 2.0 Tr Loans 3.2 Tr Micro Loans 429 bn Profit 17 bn 48,849 Customers 13 Branch Offices 13 Sub Branch Offices 4 Cash Offices 94 ATM Unit 25 Waroeng bjb 407 Employees
Total bjb employees 7,041 Total bjb customers 4,452,735
Jakarta Deposits 10.1 Tr Loans 5.1 Tr Micro Loans 215 bn Profit 46.8 bn 71,067 Customers 9 Branch Offices 58 Sub Branches 5 Cash Offices 1 Payment Point 117 ATM Unit 24 Waroeng bjb 584 Employees
Banten Deposits 12.9 Tr Loans 8.1 Tr Micro Loans 390 bn Profit 234 bn 809,498 Customers 8 Branch Offices 45 Sub Branches 45 Cash Offices 39 Payment Point 203 ATM Unit 98 Waroeng bjb 871 Employees
West Java Deposits 41.4 Tr Loans 33.2 Tr Micro Loans 3.15 Tr Profit West Java 852 bn Loss Head Oficce 661 bn 3,523,321 Customers 32 Branch Offices 196 Sub Branch 259 Cash Offices 92 Payment Point 783 ATM Unit 339 Waroeng bjb 5,179 Employees
39
Detail Jaringan dan Layanan No
Jaringan Kantor
1Q14
1Q15
YoY
1
Kantor Cabang
62
62
-
2
KCP
306
312
6
3
Kantor Kas
281
313
32
4
Payment Point
112
132
20
5
ATM
1,168
1,197
29
6
Waroeng bjb (A,B & C)
510
486
-24
7
Layanan bjb Precious
11
11
-
8
Sentra UMKM
6
6
-
9
Kas Mobil
11
11
-
10
Weekend Banking
22
22
-
11
Cabang Devisa
47
47
-
2,536
2,599
63
Total
40
Sumber Daya Manusia Educational Breakdown Level
1Q14
1Q15
YoY
Dewan Komisaris
5
4
-1
Direksi
4
6
2
Manajemen Puncak
34
30
-4
Manajemen Madya
222
218
-4
Manajemen Lini Pertama
1,626
1,683
57
Staff
4,735
5,095
360
Pegawai MPP
2
5
3
Total Pegawai Tetap
6,628
7,041
413
Up to High School
Up to Bachelor Degree Masters and Up to High Doctorate School 4% 0%
Masters and Doctorate
Up to Bachelor Degree 96%
Age Breakdown 18 - 30
Pegawai Kontrak Divisi Mikro
1,948
501
-1,447
Lain-Lain
2,561
2,661
100
Total Pegawai Kontrak
4,509
3,162
-1,347
Total Pegawai
11,137
10,203
-934
31 - 40
41 - 50
> 50
41 - 40 15%
18 - 30 79%
41 - 50 5% > 50 1%
41
Penghargaan 2014-2015
Infobank-MRI 2014 Banking Service Excellent Awards – 2nd Best Phone Handling Commercial Banking
Infobank Awards – Financial Performance “Very Good” In 2013
Infobank-MRI 2014 Banking Service Excellent Awards – 1st Best ATM Commercial Banking
Markplus Awards – The Best Of Indonesian Bank Loyalty Champion For Saving Account (Assets Under Rp 100 Trillion)
Indonesia WOW Brand Award 2014 – Gold Champion Category Saving Account (BUKU III)
Indonesia WOW Brand Award 2014 – Best Conventional Bank For BUKU III Category
42
Penghargaan 2014-2015
BPJS Awards – Innovators For BPJS Participation Through Service Point Office (SPO)
Corruption Eradication Commission Awards– Most Reported Gratification For Regional Owned Enterprises 2014
BPJS Awards – Regional Strategic Partner 2014
Corruption Eradication Commission Awards– Best Gratification Control Unit For Regional Owned Enterprises 2014
Infobank Awards – Financial Performance “Very Good” For 15 Years In A Row From 1999 - 2013
Ministry of Finance Awards – Best Taxpayer for West Java Region
43
Perkembangan Harga Saham Volume (RHS) 1400
Investor Relations Group Menara bank bjb 7th Floor Jl. Naripan 12 – 14 Bandung 40111 +6222 4234868 ext 7140/7141
[email protected]
Price (LHS) 120
1300 100
Contact Person: Muhammad As’adi Budiman Group Head
[email protected]
1200 80
1000
60
900
Million Shares
Rp/share
1100 Irwan Riswandi Manager
[email protected] Ari Budiman Officer
[email protected]
40 Anjas Septa Lesmana Officer
[email protected]
800 20 700
600
Source: Bloomberg
0
Simon Sihol Panggabean Staff
[email protected] Gilat Wijie Priyantama Staff
[email protected] Lies Rosdiana Staff
[email protected]
44
Menara bank bjb Jl. Naripan 12 – 14 7th Floor Bandung 40111 Telp. +6222 4234868
