Paparan Publik Investor Summit & Capital Market Expo 2015 Gedung Bursa Efek Indonesia
PT Bank Negara Indonesia (Persero) Tbk < BBNI.IJ >
Agenda • Perkembangan Bisnis • Ikhtisar Kinerja Kuartal 3-2015 • Kinerja Keuangan Kuartal 3-2015 • Perbankan Bisnis & Konsumer • Lampiran – Tentang BNI
Page 2
Perkembangan Bisnis BNI akan terus memperkuat dan mengoptimalkan fundamental keuangan Ditengah situasi yang sangat dinamis, BNI mencatat : • Pertumbuhan Pinjaman 14.6% • Pertumbuhan Dana Pihak Ketiga 13.3% • Pertumbuhan pendapatan bunga bersih 14.1% • Mempertahankan Margin Bunga Bersih (NIM) di 6,5% Progam efisiensi serta normalisasi cost of credit telah berhasil meningkatkan profitabilitas Strategi penurunan jumlah kredit hapus buku diterapkan untuk meningkatkan disiplin dan tanggung jawab para staff kredit serta peningkatan kualitas asset ke depannya. Program Restrukturisasi yang lebih proaktif telah di tanda tangani oleh ribuan nasabah Di tengah ketidakpastian situasi ekonomi, fundamental operasional kami tetap solid dan kami tetap optimis dapat mencapai target-target utama kami. Page 3
ASSET
Ikhtisar Kinerja Kuartal 3-2015 2012
2013
2014
Total Asset (IDR miliar)
333,304
386,655
416,574
408,047
456,463
11.9%
Pinjaman yang diberikan (IDR miliar)
200,742
250,638
277,622
267,942
307,122
14.6%
Dana Pihak Ketiga (IDR miliar)
257,661
291,890
313,893
308,327
349,437
13.3%
15,459
19,058
22,376
16,394
18,704
14.1%
5,217
5,722
7,384
5,243
5,415
3.3%
Laba Bersih (IDR miliar)
7,046
9,054
10,783
7,611
5,998 -21.2%
NIM
5.9%
6.1%
6.2%
6.1%
6.5%
ROE
20.0%
22.5%
23.6%
22.7%
16.1%
ROA
2.9%
3.4%
3.5%
3.3%
2.5%
CIR
49.5%
46.7%
43.8%
41.9%
43.4%
BOPO
71.0%
67.1%
69.8%
70.6%
78.6%
NPL (Kotor)
2.8%
2.2%
2.0%
2.2%
2.8%
NPL (Bersih)
0.8%
0.5%
0.4%
0.5%
0.7%
123.0%
128.5%
130.1%
129.0%
139.6%
LDR
77.5%
85.3%
87.8%
85.7%
87.7%
LDR – Rupiah
79.1%
85.6%
86.7%
85.7%
89.6%
LDR - FX
68.7%
83.6%
94.5%
86.1%
79.2%
Tier-1 CAR
15.2%
14.2%
15.3%
15.3%
14.7%
Total CAR
16.7%
15.1%
16.2%
16.2%
17.4%
Capital
Page 4
Liquidity
Asset Quality
Profitability & Efficiency
P&L
Pendapatan Bunga Bersih(IDR miliar) Pendapatan Non Bunga
Coverage Ratio
(IDR miliar)
3Q2014
3Q2015
Y.o.Y
Kinerja Keuangan Kuartal 3 - 2015
Ringkasan Neraca [Rp Miliar]
2012
2013
2014
Total Aset
333,304
386,655
416,574
408,047
456,463
11.9%
32,621
23,475
14,530
19,893
26,086
31.1%
9,817
8,528
12,743
14,607
8,364
-42.7%
Obligasi pemerintah [nilai pasar]
38,561
44,884
43,830
42,514
43,991
3.5%
Pinjaman yang diberikan [kotor]
200,742
250,638
277,622
267,942
307,122
14.6%
Dana pihak ketiga
257,661
291,890
313,893
308,327
349,437
13.3%
Simpanan dari bank lain
3,245
3,185
3,177
3,620
3,779
4.4%
Surat berharga yang diterbitkan
4,769
6,037
6,158
6,055
7,793
28.7%
Pinjaman yang diterima
8,750
18,951
11,212
11,355
8,661
-23.7%
43,525
47,684
61,095
57,874
63,637
10.0%
Penempatan pada bank lain & BI Surat berharga [nilai pasar]
Ekuitas pemegang saham Page 6
3Q2014
3Q2015
Y.o.Y
Komposisi Pinjaman yang Diberikan Komposisi pinjaman yang diberikan [%. Rp Miliar]
Consumer
Business Banking
Segmen
2012
2013
2014
Berdasarkan mata uang (%)
3Q2014
3Q2015
Pertumb uhan [YoY - %]
Korporasi
40,064
68,385
72,874
69,553
80,420
15.6%
26.2%
BUMN
32,171
43,849
46,841
48,291
54,230
12.3%
17.7%
Menengah
35,730
30,722
40,324
38,304
46,380
21.1%
15.1%
Kecil
37,611
41,582
40,374
39,038
38,943
-0.2%
12.7%
SUBTOTAL
145,576 184,538 200,413 195,186 219,973
Griya
25,286
31,733
33,341
32,769
Kartu Kredit
4,934
5,489
7,777
5,952
Non IDR
Komposisi [%]
12.7%
71.6%
33,723
2.9%
11.0%
9,658
62.3%
3.1%
Konsumer Lainnya
10,933
10,310
10,906
10,079
11,471
13.8%
3.7%
SUBTOTAL
41,153
47,532
52,024
48,800
54,852
12.4%
17.9%
Internasional
6,194
7,234
10,082
9,801
15,239
55.5%
5.0%
Perusahaan Anak
7,819
11,334
15,103
14,155
17,057
20.5%
5.6%
13%
15%
15%
14%
16%
87%
85%
85%
86%
84%
2012
2013
2014
3Q2014
3Q2015
Rata-rata Yield Pinjaman (%) – Bank Only
Page 7
200,742 250,638 277,622 267,942 307,122
14.6%
100.0%
10.9
10.6
10.8
11.1
10.2
2012
TOTAL
IDR
2013
2014
3Q2014 3Q2015
Kualitas Pinjaman – Bank Only Pra NPL berdasarkan Segmen 2012
2013
Pergerakan NPL 2014
3Q 2014
3Q 2015
Corporate Overseas Middle Small Consumer
1.9% 4.3% 3.7% 4.6% 4.6%
2.0% 0.3% 2.2% 3.7% 4.7%
1.5% 0.0% 3.0% 4.0% 4.3%
2.1% 0.0% 3.9% 6.0% 5.7%
1.2% 0.3% 5.8% 5.4% 6.5%
Total %
3.4%
2.8%
2.6%
3.6%
3.4%
Total (Rp Mn) 6,574
6,747
6,877
9,016
105
160
267 1,655
5,257
9,990
NPL berdasarkan segmen 2012
2013
2014
Corporate Overseas Middle Small Consumer
1.5% 1.4% 4.0% 5.5% 1.5%
1.2% 1.7% 3.1% 5.3% 1.2%
0.9% 1.7% 2.6% 5.1% 1.5%
1.3% 1.7% 2.6% 5.6% 1.7%
1.4% 1.1% 4.7% 6.7% 2.4%
Total %
2.8%
2.2%
2.0%
2.2%
2.8%
5,484
5,198
5,151
5,665
8,222
Total (Rp Mn)
Page 8
8,222
3Q 2014 3Q 2015
5,152
Beginning Downgrade Upgrade Installment Paid Off Balance 2014
Write Off
Ending Balance 3Q15
Kualitas Pinjaman – Bank Only Hapus Buku & Recovery
Coverage Ratio
Write Off (Rp Bn) Recovery (Rp Bn) Recovery vs Write Off
NPL (Rp Bn)
76.6%
139.6%
CKPN (Rp Bn)
64.3%
Coverage Ratio
57.7% 50.9%
11,476
60.0% 128.5%
2,396 2,051
2,038
6,746
130.1% 129.0% 6,703
6,679
7,309
123.0% 1,287 994
3,169 2012
3,126 2013
3,552 2014
2,528 3Q2014
1,655
5,198
5,151
5,665
8,222
3Q2015
2012
2012
2013
2014
3Q 2014
3Q 2015
NPL (Rp Bn)
5,484
5,198
5,151
5,665
8,222
CKPN (Rp Bn)
6,746
6,679
6,703
7,309
11,476
123.0%
128.5%
130.1%
129.0%
139.6%
2012
2013
2014
3Q 2014
3Q 2015
Hapus Buku (Rp Juta)
3,169
3,126
3,552
2,528
1,655
Recovery (Rp Juta)
2,038
2,396
2,051
1,287
994
Recovery Rate
64.3%
76.6%
57.7%
50.9%
60.0%
Page 9
5,484
Coverage Ratio
2013
2014
3Q2014
3Q2015
Perkembangan Restrukturisasi Pinjaman Kolektibiliti Pinjaman yang direstrukturisasi
Tipe Restrukturisasi Pinjaman 14,838 Extention of Loan Maturity, Reduction of Interest Rates and Others
20.3%
Extention of Loan Maturity and Reduction of Interest Rates
17.5%
9,868
8,227
18.5%
9.8%
16.4%
24.6%
18.3%
21.4%
21.4%
22.4%
Extension of Loan Maturity
6,115
6,370
6,888 6,688 4,070
5,031
4,715
4,933
444 955
497 933
797 1,060
3Q2014
2014
1Q2015
2,203 977
1H2015
62.3%
71.7%
3Q2014
2014
59.0%
60.4%
56.2%
1Q2015
1H2015
3Q2015
Jumlah Nasabah Bisnis Banking yang telah menandatangani perjanjian restrukturisasi di kuartal 3-2015: 426 Nasabah kategori Pra NPL dengan total Rp 3,6 triliun 125 Nasabah kategori NPL dengan total Rp 1,4 triliun Jumlah Nasabah Konsumer yang telah menandatangani perjanjian restrukturisasi di kuartal 3-2015 : 2304 Nasabah Kategori Pra NPL dengan total Rp 116 miliar 977 Nasabah kategori NPL dengan total Rp 21 miliar Page 10
Special Mention Pass
2,541
3Q2015
NPL
Dana Pihak Ketiga Berdasarkan Tipe [Rp Miliar]
2012
2013
2014
Current
73,366
88,183
Saving
100,083
Time Deposit TOTAL CASA Ratio
3Q 2014
3Q 2015
82,743
80,269
92,978
15.8%
111,800
119,779
110,936
119,874
8.1%
84,212
91,907
111,371
117,122
136,585
16.6%
257,661
291,890
313,893
308,327
349,437
13.3%
67.3%
68.5%
64.5%
62.0%
60.9%
Berdasarkan Mata Uang (%)
YOY
Biaya Dana Pihak Ketiga [%] – Bank Only Non IDR
3.2
IDR
2.7
13%
16%
14%
14%
18%
87%
84%
86%
86%
82%
2012
2013
2014
3Q2014 3Q2015
2012
3.2
2.4
2013
2014
3Q2014 3Q2015
CASA meningkat Rp 21.6 triliun atau 11.3% Y.o.Y. sementara CASA Ratio menjadi 61% Page 11
3.1
Ringkasan Laba - Rugi [Rp Billion]
2012
2013
2014
3Q2014
3Q2015
Y.o.Y
Pendapatan Bunga
22,705
26,451
33,365
24,413
26,994
10.6%
Beban Bunga
(7,246)
(7,392)
(10,989)
(8,019)
(8,290)
3.4%
Pendapatan Bunga Bersih
15,459
19,058
22,376
16,394
18,704
14.1%
Pendapatan Premi Bersih
256
494
133
96
791
724.0%
Pendapatan Non Bunga
5,217
5,722
7,384
5,243
5,415
3.3%
Recovery
2,038
2,138
1,856
1,287
994
-22.8%
22,971
27,412
31,748
23,021
25,904
12.5%
(11,805)
(13,485)
(14,760)
(10,271)
(11,957)
16.4%
Pendapatan Sebelum Provisi
11,166
13,926
16,988
12,749
13,947
9.4%
Pembentukan CKPN
(2,525)
(2,708)
(3,642)
(3,308)
(6,403)
93.6%
259
59
178
152
52
-65.8%
Laba Bersih Sebelum Pajak
8,900
11,278
13,524
9,593
7,596
-20.8%
Laba Bersih
7,046
9,054
10,783
7,611
5,998
-21.2%
378
486
578
408
322
-21.2%
Pendapatan Opersional Beban Operasional
Pendapatan (Beban) Non Operasional
Laba Bersih per Saham (jumlah penuh) Page 12
Pendapatan Non Bunga Breakdown [Rp Billion, %] 5,217 12.8% 3.9% 22.8%
5,722
Breakdown Non Interest Income [Rp
Billion]
7,384
5,243
5,415
11.4%
10.4%
9.1%
8.0%
Recurring Fee Non Recurring Fee
4,995 222
5,499 223
6,744 639
4,795 448
4,825 590
9.3%
9.4%
11.1%
11.9%
Total
5,217
5,722
7,384
5,243
5,415
9.4%
12.2%
11.4%
2.0%
2012
69.9%
68.1%
68.4%
60.5%
Card Business 18%
Marketable Securities 2%
Forex Gain 5% ATM 14%
Debit Card Maintenance 3%
Bank Guarantee 5% Trade Finance 5% Transfer & Bill Payment 3%
Account Maintenance 18% Services Fee 7%
2012 2013 Others Forex Gain Page 13
2014
3Q 2014 3Q 2015 Column1 Provision & Commissions
3Q 2014 3Q 2015
2014
Breakdown recurring fee Total = Rp 4,825 Billion
78.0%
2013
Custody & Syndication 5%
Others 8% Bancassurance 5%
Remittance 2%
Beban Operasional Ikhtisar Beban Operasional [Rp Miliar] 11,805
13,485
14,760
10,271
Cost to Income Ratio – Bank Only [%] 11,957
49.5 46.7 43.8
8.7% 3.9% 6.9%
47.3%
10.5% 3.8% 6.9%
45.1%
9.2% 9.2% 0.7% 0.6% 4.3% 4.0% 5.2% 5.7%
45.9%
46.0%
11.0% 1.2% 3.8% 4.4%
2012
2013
2014
43.4
41.9
3Q2014
3Q2015
45.9%
Rincian Beban Umum & Administrasi Total = Rp 4,033 Miliar
33.2%
33.7%
34.5%
34.8%
Outsourcing 21%
33.7%
Communicatio ns 22% Rental Expenses 22%
2012
2013
G&A Promotion Exp OJK Fee Page 14
2014
3Q2014
Depreciations 16%
3Q2015
Personel Exp Gtee Premium to LPS Others
Office Supplies 9%
Repairs & Maintenance 10%
Bisnis & Konsumer Banking
Bisnis Korporasi Infrastructure Loan (Rp Billion)
Berdasarkan Sektor Ekonomi Sektor*)
2013
(Rp Miliar)
Manufaktur
2014
32.412
Perdagangan, Resto & Hotel
36.625
3Q2014 32.339
43.489
3Q2015 48.232
Pertum buhan Y.o.Y 49,1%
Kompos isi 32,2%
8.499
7.462
7.465
9.008
20,7%
6,0%
Pertanian
14.288
19.779
18.628
21.195
13,8%
14,1%
Jasa-jasa Bisnis
12.715
13.283
13.827
13.567
-1,9%
9,1%
Transportasi, Pergudangan & Komunikasi
14.652
14.921
16.036
16.744
4,4%
11,2%
2.803
2.477
2.818
5.837
107,1%
3,9%
Listrik, Gas & Air
12.346
13.682
15.856
15.571
-1,8%
10,4%
Pertambangan
14.151
16.435
13.699
13.617
-0,6%
9,1%
Jasa-jasa Sosial
1.054
1.392
1.528
1.425
-6,7%
1,0%
Konstsruksi
Lainnya Total Korporasi & BUMN Page 16
6.547
3.741
5.449
4.693
-13,9%
3,1%
119.468
129.797
127.645
149.889
17,4%
100,0%
*) termasuk internasional
53.054
54.119
15% 15% 21%
13% 17% 19%
15% 17% 19%
14% 16% 17%
25%
26%
27%
23%
16% 19% 17% 19%
23%
26%
23%
30%
29%
2012
2013
2014
Telecommunication Toll Road & Construction Power Plant
Berdasarkan Mata Uang
59.789
63.726
3Q2014 3Q2015
Transportation Oil & Gas
Foreign Currency Rupiah
29%
30%
30%
27%
31%
71%
70%
70%
73%
69%
2012
2013
2014
Berdasarkan Penggunaan
3Q2014 3Q2015 Investment Working Capital
36%
35%
38%
33%
39%
64%
65%
62%
67%
61%
2012
2013
2014
3Q2014 3Q2015
Bisnis Menengah & Kecil Kredit Program Pemerintah
Berdasarkan Sektor Ekonomi Sektor
3Q2015
Kompos isi
2013
2014
Manufaktur
13.202
15.507
15.017
16.770
11,7%
19,7%
Perdagangan, Resto & Hotel
30.817
33.940
32.017
34.966
9,2%
41,0%
4.302
4.321
4.369
4.381
0,3%
5,1%
(Rp Miliar)
Pertanian Jasa-jasa Bisnis
7.475
8.652
3Q2014
Pertum buhan Y.o.Y
8.220
9.741
18,5%
11,4%
103
114
65
5,622
2012
4,821
3,985
2013
2014
Govt. Program (Rp Bn)
4.229
Konstruksi
6.812
6.800
6.641
7.528
13,4%
8,8%
436
532
518
806
55,5%
0,9%
24
5.239
4.940
5.247
6,2%
Customers (000)
23
Medium (Rp Billion); 24 Small
23
403 290
291
312
2012
2013
2014
16%
15%
15%
85%
85%
1.949
1.778
1.790
0,7%
2,1%
84%
Jasa-jasa Sosial
3.497
3.730
3.818
4.052
6,1%
4,7%
31%
23
29
23
42
80,4%
0,0%
72.304
80.699
77.342
85.323
10,3%
100,0%
279
3Q2014 3Q2015
Berdasarkan Penggunaan
1.509
Page 17
3Q2014 3Q2015
6,2%
Pertambangan
Total Menengah & Kecil
2,699
(Rp Million);
Transportasi, Pergudangan & Komunikasi
Lainnya
4,091
Saldo Rata-rata per Debitur
19
Listrik, Gas & Air
108
101
16%
16%
84% Small -------------------------------------28% 30% Medium 31%
84% 30%
69%
70%
72%
69%
70%
2012
2013
2014
3Q2014
3Q2015
Investment Small Investment Medium
Working Capital Small Working Capital Medium
Bisnis Konsumer Produk (Rp Miliar) Griya
2012
2013
2014
3Q2014
3Q2015
Pertumbu han
Komposisi [%]
[YoY - %]
25,286
31,733
33,341
32,769
33,723
2.9%
61.5%
Kredit Kendaraan
6,665
5,821
6,041
5,421
5,486
1.2%
10.0%
Kartu Kredit
4,934
5,489
7,777
5,952
9,658
62.3%
17.6%
Multi Guna
174
138
82
97
62
-36.1%
0.1%
Cash Collateral
709
665
576
558
545
-2.3%
1.0%
Gaji
830
926
1,265
1,135
2,353
107.3%
4.3%
2,555
2,760
2,942
2,868
3,025
5.5%
5.5%
41,153
47,532
52,024
48,800
54,852
12.4%
100.0%
Lainnya Total Konsumer
Kinerja Kartu Debit & KartuKredit 24,716
Merchant Business
20,228
33,006 27,370
17,856
26,442
26,462
1,616
1,725
1,650
16,441 1,610
9,938 6,757
7,293
1,656
13,037
10,139
2012
2013
2014
Credit Card Accts (000) DC Trx Vol (Rp Bn)
Page 18
9,731
3Q2014
10,724
3Q2015
Debit Card Accts (000) CC Trx Vol (Rp Bn)
2.3
2.3
2.6
2.2 1.8
2.0 0.6
1.4
1.9
1.6
0.5
0.5
0.5
3Q 2014
2014
3Q 2015
0.1 2012
2013 Mortgage
Credit Card
Auto
1. Griya, Kartu Kredit dan gaji (BNI Flexi) 2. Meningkatkan volume transaksi melalui optimalisasi e-channel
8,331
4,673 11,874
2.9
Pada 2015, Bisnis Konsumer akan fokus pada
36,638
24,036
NPL berdasarkan produk (%)
42,678
56,272
71,007
67,557
83,483
2012
2013
2014
3Q2014
3Q2015
Number of EDC
Sales Vol (Rp Bn)
3. Menjaga NIM dan NPL
E-Banking ATM
ATM
ATM
#ATM (000)
#Transaction (Million) 11.4
11.2
13
14
3Q14
3Q15
SMS Banking #User (million)
3.2
12
3.5
13
4.7
14
4.6
3Q14
619
533
501
8.2
12
750
14.2
14.1
#Trx Value (Rp Triliun)
12
13
14
3Q14
626
287
3Q15
13
424 336
14
SMS Banking
SMS Banking
#Transaction (Million) 185
#Trx Value (Rp Triliun)
134
5.2
184
12
17
131
14
3Q14
3Q15
12
13
14
Internet Banking
Internet Banking
#Transaction (Million)
#Trx Value ( Rp Triliun)
12
13
Page 19
739
14
3Q14
6
3Q15
12
18
25
13
14
3Q14
53
10
9
817
3Q15
530
424
14
14 820
(Rp Billion)
552
#User (000)
611
3Q15
793
18
Internet Banking
655
Total Pendapatan Fee yang terkait dengan EBanking
7
13
992
3Q14
391
13
91
3Q15
12
350
Pendapatan E-Banking adalah salah satu penyumbang pendapatan non bunga yang utama
3Q14
3Q15
12
38
13
38
14
3Q14
50
3Q15
12
13
14
3Q14 3Q15
Terima Kasih
Disclaimer: This report has been prepared by PT Bank Negara Indonesia (Persero) Tbk (Bank BNI) independently and is circulated for the purpose of general information only, It is not intended to the specific person who may receive this report, The information in this report has been obtained from sources which we deem reliable, No warranty (expressed or implied) is made to the accuracy or completeness of the information, All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice, We disclaim any responsibility or liability without prior notice of Bank BNI and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither Bank BNI and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise,
PT Bank Negara Indonesia (Persero) Tbk Investor Relations Group Corporate Secretary & Communications Division, BNI Building, 24th Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-5728449 F: 62-21-5728053 E:
[email protected]
Tentang BNI
Direksi Achmad Baiquni Direktur Utama
Suprajarto Wakil Direktur Utama
Sebelumnya: Direktur Keuangan BRI, Direktur BNI
Sebelumnya: Direktur BRI
Anggoro Eko Cahyo Direktur Konsumer
Herry Sidharta Direktur Business Banking 1
Sutanto Direktur Business Banking 2
Sebelumnya: GM Divisi SDM, Pemimpin Wilayah BNI
Sebelumnya: Direktur JAMKRINDO
Sebelumnya: Direktur BNI
Adi Sulistyowati Direktur Jaringan dan Layanan
Rico Budidarmo Direktur Keuangan Sebelumnya: Direktur BTN
Sebelumnya: GM Divisi Jaringan, Pemimpin Wilayah BNI
Page 22
Bob Tyasika Ananta Direktur Operasional & IT
Imam Budi Sarjito Direktur Kepatuhan & Risk Mgt
Sebelumnya: GM Strategic Planning, GM Divisi International
Sebelumnya: GM Divisi Risk Mgt, Komisaris BNI Syariah
Komisaris Pradjoto Wakil Komisaris Utama Sebelumnya: Komisaris Bank Mandiri 2005-2015
Page 23
Daniel Theodore Sparringa Komisaris
Kiagus Ahmad Badaruddin Komisaris
Anny Ratnawati Komisaris Independent
Saat ini juga : Dosen di Universitas Airlangga, Surabaya
Saat ini: SekJend Departemen Keuangan
Sebelumnya: Wakil Menteri Keuangan, 2010-2014
Jos Luhukay Komisaris Independent
Zulkifli Zaini Komisaris Independent
Sebelumnya : Wakil Presiden Direktur Bank Danamon
Sebelumnya: Direktur Utama Bank Mandiri, Komisaris of PLN
Revrisond Baswir Komisaris Independent
Pataniari Siahaan Komisaris
Saat ini: Kepala Pusat Study Populasi Ekonomi, Universitas Gadjah Mada, Komisaris PTPN XI
Saat ini: Dosen Universitas Trisakti
Jaringan & Distribusi Multi point contact untuk nasabah Individual dan Korporasi Mobile banking
Call Center
ATMs (14.219)
Indonesia (1789 Outlet)
Ikhtisar Nasabah Perorangan
Outlet (1795)
Sentra Kredit Konsumen (12)
Sentra Kredit Kecil (58)
Cabang Luar Negeri Singapore (Nov 1955) Hong Kong (Apr1963) Tokyo (Sep 1969) & Osaka (2013) London (1987) New York Agency (Apr 1971)
Sentra Kredit Menengah (24)
BNI telah melakukan kerjasama dengan perusahaan terkemuka untuk penyaluran pembayaran, pembiayaan, penyaluran kredit, dan pembangunan jaringan / outlet
Ikhtisar Nasabah Korporasi / UKM
15,5 juta rekening simpanan
383.752 rekening simpanan korporasi
1,7 juta kartu kredit
1.926 rekening pinjaman korporasi
161.083 nasabah kredit perumahan
124.037 rekening pinjaman UKM
Dasa untuk melakukan efisiensi dan melakukan Efektif cross-selling produk dan layanan
Page 24
Rating BNI 2007
2015
AA- (idn) BB/Stable B D BB-
AA+ (idn) BBB-/Stable F3 WD --
Standard & Poor's
Credit rating Long term issuer credit rating Subordinated rating
BB-/Stable/B BBB
BB/Positive/B BB --
Moody's
Bank Deposits Senior Unsecured Bank Financial Strength Rating Outlook
B1 Ba2 DStable
Baa3 Baa3 D+ Stable
Pefindo
Corporate rating / Outlook Bond 1 Subordinated
idAA-/Stable
idAAA/Stable
Fitch Rating
Page 25
National long term rating Long term foreign & local currency Short term foreign & local currency Individual rating Subordinated debt
idAA-/Stable idA+/Stable
---
Saham BNI Kinerja Saham BBNI
Kepemilikan Saham Publik BNI [40.00%] Perorangan Dalam Negeri 5%
Koperasi 0%
Yayasan 0%
Dana Pensiun 3%
Bank 0%
Asuransi 6%
Lembaga – Dalam Negeri 7% Lembaga Lain 0%
Lembaga Asing 68%
Reksa Dana 12%
Perorangan Asing 0%
Per September 2015
Saham BNI per 30 September 2015 (Rp 4,135) turun 25.1% dari posisi 30 September 2014 (Rp 5,525)
Saham yang beredar 18.648.656.458 lembar saham Harga [30 September 2015] : Rp 4,135 Kapitalisasi Pasar : Rp. 77.1 triliun [+/- US$ 5,7 miliar]
Page 26
Kepemilikan
%
Pemerintah RI
60.00%
Publik – Domestil
13.00%
Public - Asing
27.00%
