Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 2Q13 Analyst Meeting

Transkripsi

1 Lebih Besar, Lebih Kuat, Lebih Baik bank bjb 2Q13 Analyst Meeting

2 Daftar Isi Pg. 5 Pg. 10 Pg. 15 Pg. 16 Pg. 19 Pg. 23 Pg. 32 Pg. 37 Ringkasan Kinerja Detail Kredit Detail Dana Pihak Ketiga Kualitas Aktiva Analisa Imbal Hasil Performa Kredit Mikro Performa Bank bjb Syariah Profil Perusahaan 2

3 USDIDR Yield Index (points) Ekonomi Makro BI Rate Tetap Rendah Secara Historis Walaupun Meningkat 75 bps GDP Growth BI Rate Indeks Kepercayaan Konsumen Tetap Tinggi Consumer Confidence Index Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi CPI 1mth JIBOR Pengaruh Global Terhadap Pelemahan Pasar Obligasi dan Rupiah USDIDR 10yr Govt Bonds Yield

4 YoY Growth YoY Growth Sektor Perbankan Total Loans Total Deposit Pada bulan Mei 13, data sektor perbankan menunjukkan: Kredit 21.1%YoY to Rp 2,921tr (Kredit Investasi +23.1% YoY, Kredit Modal Kerja +21.9%, Kredit Konsumsi +18.5%) Deposit +14.8% YoY to Rp 3,293tr (CASA +15.6% YoY, Time Deposit +13.9% YoY, CASA Ratio 55.3%) 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, Total DPK 2,867 3, (10.0) LDR NPL ROA

5 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

6 Target vs. Realisasi Target 1Q13 2Q13 Loans Growth 25% 28% Deposit Growth 18% 22% ROA (net) 1.8% 2.0% ROE (net) 20% 22% NIM 6.8% 7.2% Cost of Fund 5.0% 5.5% Cost to Income Ratio 51% 54% Gross NPL 1.5% 2.0% Credit Cost 1.0% 1.4% CASA Ratio 40% 45%

7 Rasio Keuangan (bank) Rasio Penting 2Q12 3Q12 4Q12 1Q13 2Q13 Profitabilitas ROA (net) ROE (net) Rasio Biaya Cost to Income Ratio BOPO Imbal Hasil Asset Yield Cost of Fund NIM LDR Kualitas Aset Dalam Perhatian Khusus Gross NPL Net NPL Coverage Ratio CKPN/Total Kredit Credit Cost Permodalan CAR

8 Laporan Laba Rugi Laporan Laba Rugi (Rp miliar) 1H12 1H13 YoY 1Q12 2Q13 QoQ Pendapatan Bunga 3,364 3, % 1,889 2, % Beban Bunga (1,561) (1,536) 1.6% (735) (801) 9.1% Pendapatan Bunga Bersih 1,804 2, % 1,154 1, % Fee Based Income % % Beban Operasional (976) (1,372) 40.5% (655) (717) 9.4% Laba (Rugi) dalam Instrumen Keuangan % (1) 10 PPOP 955 1, % % Beban CKPN (148) (232) 56.3% (94) (138) 46.0% Pendapatan Non Operasional (2) % 1 Laba Sebelum Pajak % % Beban Pajak (204) (195) 4.5% (96) (99) 2.3% Laba Bersih % % 8

9 Neraca Ringkasan Neraca (Rp miliar) 2Q12 3Q12 4Q12 1Q13 2Q13 YoY Kas atau Setara Kas 1,482 1,380 1,795 1,570 1, Giro pada Bank Indonesia 4,828 4,279 4,666 3,659 4, Cadangan Sekunder 19,996 25,047 24,075 19,887 19, Kreditnet 30,701 32,142 34,769 37,198 41, Pembiayaan Syariahnet 2,012 2,391 2,880 2,965 3, Aktiva Tetapnet ,002 1, Aktiva Lainlain 1,686 1,949 1,921 2,126 2, Total Aktiva 61,255 67,708 70,841 68,407 73, Total DPK 49,799 52,724 50,608 48,638 55, Surat Berharga yang Diterbitkan 2,744 2,395 2,395 2,395 2, Pinjaman Diterima 2,151 5,581 8,980 9,036 8, Lainnya 1,166 1,266 2,849 2,625 1, Total Kewajiban 55,860 61,966 64,832 62,694 67, Total Ekuitas 5,395 5,742 6,009 5,713 6,

10 (Rp tr) Detail Kredit (bank) 45 Consumer Micro Commercial Mortgage Segmen (Rp miliar) 2Q 12 2Q 13 YoY Konsumer 21,356 26, Mikro 3,630 5, Komersial 5,308 6, KPR 941 2, Total Kredit Gross Mata Uang (Rp miliar) 31,236 41, Q 12 2Q 13 YoY Rupiah 30,928 41, Valas

11 (Rp tr) Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY Outstanding 21,356 26, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 2,188 4, Jumlah Debitur 355, , Tingkat Suku Bunga 15.00%18.48% % eff. p.a Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL

12 (Rp tr) Kredit Mikro KMU (LHS) Govt Program (LHS) KCR (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY Outstanding 3,630 5, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) Jumlah Debitur 72,325 95, Tingkat Suku Bunga 11.0% 27.5% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL *Kredit Mikro Utama 12

13 (Rp tr) Kredit Komersial Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY Outstanding 5,308 6, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) Jumlah Debitur 11,351 9, Tingkat Suku Bunga 6.3% 14.5% eff. p.a Kualitas Kredit 2Q 12 2Q 13 YoY 1.0 Dalam Perhatian Khusus NPL

14 (Rp bn) Kredit Pemilikan Rumah (KPR) 3,500 Mortgage Loans (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q YoY Outstanding 941 2, ,000 2, ,500 2,000 1,500 1, ,215 1,721 2, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 489 1, Jumlah Debitur 3,951 10, Tingkat Suku Bunga 7.25% 13.75% eff. p.a Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL

15 (Rp tr) Detail DPK (bank) Current Account Savings Account Time Deposit 60 Detail DPK (Rp miliar) 2Q 12 2Q 13 YoY 50 Giro 11,708 17, Tabungan 6,006 7, Deposito 29,986 26, TOTAL 47,700 51, Rasio CASA Mata Uang (Rp miliar) 2Q 12 2Q 13 YoY Rupiah 47,476 51, Valas

16 (Rp bn) Kualitas Aktiva 1,200 Credit Provision (LHS) Coverage Ratio (RHS) Absolute NPL (LHS) 180 Gross NPL (Bank) 2Q 12 2Q 13 YoY Write Off (Rp bn) 160 Konsumer , Mikro Komersial KPR Total Gross NPL Net NPL

17 Absolute Special Mention Loans (Rp bn) Special Mention/Total Loans Special Mention Contribution Kredit Dalam Perhatian Khusus Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) Consumer Micro Commercial Mortgage 1,800 1, % 90% ,400 1,200 1, % 70% 60% % 40% 30% 20% 10% 0%

18 Absolute Net Performing Loans (Rp bn) Net Performing Loan/Total Loans NPL Contribution Non Performing Loans 1,200 Consumer (LHS) Micro (LHS) Commercial (LHS) Mortgage (LHS) % to Loans (RHS) % 2 Consumer Micro Commercial Mortgage % 1, % % 60% % % 30% 20% 10% 0%

19 Analisa Imbal Hasil Asset Yield 2Q 12 2Q 13 Marketable Securities 17.4% Placement to Bank Indonesia Interbank Placement 3.2% Placement to Bank Indonesia 10.1% Others 1.3% Loans 67.9% Interbank Placement Securities Loans Yield Others Interbank Lending, 7.2 Bonds, 2.4 Time Deposit, 26.6 Cost of Fund 2Q 12 2Q 13 Interbank Liabilities Securities Current Account, 17.4 Savings Account, 7.6 Deposits From Customers Current Account Time Deposit Savings Account Loans received

20 Lending Proportion Funding Proportion Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik Consumer Micro Commercial Mortgage Government Corporate Retail 100% % 90% % % 80% 70% 60% 70% 60% % 50% % % 30% 20% 30% 20% % 10% % 0% 20

21 Kecukupan Modal Aktiva Tertimbang Menurut Resiko (ATMR) 2Q 12 2Q 13 YoY Total ATMR 25,235 30, Total CAR at 16.4% (204bps YoY/ 81bps QoQ) Total modal inti Rp5.0triliun setelah dikurangi cadangan pembagian dividen (kategori BUKU 3) Risiko Kredit 19,759 23, Risiko Operasional 5,191 6, Risiko Pasar 284 1, ATMR/Total Aktiva 42.9% 43.9% 1.0 tier1 4,664 5, Analisa KPMM Bobot Resiko Penambahan ATMR/ Rp1tr Ekspansi Neto Dampak Terhadap KPMM tier 2 (21) (33) 56.0 Total Modal 4,643 4, Tier1 KPMM 18.5% 16.5% 2.0 Total KPMM 18.4% 16.4% 2.0 Kredit Konsumer 50% Rp.500bn 0.31 Kredit Mikro 75% Rp.750bn 0.44 Kredit Komersial 100% Rp.1tr 0.56 Kredit KPR 40% Rp.400bn

22 Sumber Pertumbuhan Baru Kredit Mikro 22

23 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 miliar (+Rp 241 miliar YoY/ + Rp 89 miliar QoQ) Total Hapus Buku Rp 79 miliar Ytd 23

24 (Rp tr) Kredit Mikro 6.0 Total Micro Loans NPL 12.0 Indikator Utama 2Q 12 2Q 13 YoY 5.5 Outstanding 3,630 5, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) Jumlah Debitur 72,325 95, Tingkat Suku Bunga 22% 27% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL *Kredit Mikro Utama 24

25 (Rp tr) Kredit Mikro Utama 4.0 Kredit Mikro Utama (LHS) NPL (RHS) 12.0 Indikator Utama 2Q 12 2Q 13 YoY Outstanding 1,889 3, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) Jumlah Debitur 53,027 72, Tingkat Suku Bunga 23.0% 27.5% eff. p.a Kualitas Kredit 2Q 12 2Q 13 YoY 0.0 Dalam Perhatian Khusus NPL

26 (Rp tr) Program Pemerintah 1.4 Government Program (LHS) NPL (RHS) 12 Indikator Utama 2Q 12 2Q 13 YoY Outstanding 1,111 1, Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) (33) Jumlah Debitur 14,403 17, Tingkat Suku Bunga 8.3% 14.0% eff. p.a Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL Kredit Cinta Rakyat 8.3% eff. p.a. Kredit Usaha Rakyat 13% eff. p.a. 26

27 (Rp tr) Kredit Mikro Lainnya Others Micro Loans(LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY Outstanding Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) Jumlah Debitur 4,895 4, Tingkat Suku Bunga 10.5% 18.04% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus NPL * ) KMK Koperasi untuk anggota,kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas 27

28 Absolute Special Mention Loans (Rp bn) Special Mention Contribution Kredit Mikro Dalam Perhatian Khusus KMU (LHS) Others (LHS) Govt Programs (LHS) Special Mention Loans (RHS) KMU Govt Programs Others 1,200 1, % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

29 Absolute NPL (Rp bn) NPL Contribution Non Performing Loans Kredit Mikro 400 KMU (LHS) Govt Programs (LHS) Others (LHS) NPL (RHS) 8 100% KMU Govt Programs Others % 80% 70% 60% 50% 40% 30% 20% 10% 0%

30 Proses Bisnis Marketing Staff Customer Sales Processor Credit Analyst Officer Branch/Sub Branch Manager Pick up Staff Supervision Staff Marketing Proses Kredit Penagihan Marketing Sales Prosesor Analis Kredit Officer Pemimpin Cabang Pickup Supervisi 2,

31 Kinerja Bisnis Syariah 2Q13 bank bjb Syariah 31

32 Ringkasan Kinerja Laba Rugi Pendapatan Marjin Bersih Rp miliar (+38.1% YoY) Biaya Operasional Rp miliar (+18.3% YoY) Laba Bersih Rp 14.9 miliar ( % YoY) Neraca 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) Rasio (bank bjb Syariah) NIM 6.3% (104bps YoY) ROA 0.9% (+82bps YoY) ROE 4.9% (+446bps YoY) NPF Gross 3.9% (176bps YoY) 32

33 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%

34 Laporan Laba Rugi Laporan Laba Rugi (Rp juta) 2Q 12 2Q 13 YoY Pendapatan Marjin 161, , Biaya Marjin (67,077) (112,961) 68.4 Marjin Bersih 94, , Pendapatan Operasional Lainnya 2,090 3, 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) % Laba Bersih 1,089 14,887 1,267.0% 34

35 Neraca Neraca Keuangan (Rp juta) 2Q 12 2Q 13 YoY Kas atau Setara Kas 15,299 20, Giro Pada Bank Indonesia 107, , Cadangan Sekunder 731, , Pembiayaan Net 2,011,601 3,295, Aktiva Tetap Net 10, , Aktiva Lainlain 45,298 57, Total Aktiva 2,921,803 4,594, DPK 2,253,249 3,500, Pinjaman yang Diterima Lainnya 88, , Total Kewajiban 63,393 93, Total Ekuitas 2,405,092 3,946, Neraca Keuangan (Rp juta) 516, ,

36 (Rp tr) Kinerja Syariah 4.0 Total Financing Total Funding Pembiayaan Syariah 2Q 12 2Q 13 YoY Murabahah (Trading) 944,613 1,877, Ijarah 27,155 8, Pembiayaan 651,143 1,254, Qardh (Bridging) 433, , Isthisna (Pawning) 6,267 5, Total Pembiayaan 2,062,960 3,388, DPK 2Q 12 2Q 13 YoY Giro Wadiah 69, , Giro Mudharabah Tabungan Wadiah 66,787 81, Tabungan Mudharabah 236, , Deposito Mudharabah 1,879,575 3,012, Total DPK 2,253,249 3,500,

37 Profil Perusahaan bank bjb 37

38 Kepemilikan West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series) Struktur Kepemilikan 2Q12 2Q13 Pendiri (Seri A) Pemerintah Provinsi Jawa Barat 38,26 38,26 Pemerintah Kota/Kabupaten se Jawa Barat 23,61 23,61 Pemerintah Provinsi Banten 5,37 5,37 Pemerintah Kota/Kabupaten se Banten 7,76 7,76 Seri B (Publik) 25,00 25, Lokal Perorangan 7,30 3,57 Lokal Institusi 11,89 9,02 Perorangan Asing 0,03 0,01 Institusi Asing 5,78 12,4 38

39 Road Map A Strong Sustainable Growth and Profitable National Bank Building/Establishment New Infrastructures Strategy Leading in Service As One of the Big Banks Strategy 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 Matching the 10 Biggest Banks in areas : o HR competence/ IT o Services o Bank bjb `incorporated` Leading in Service and Performance National Bank 39

40 Jaringan Kantor 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 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 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 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 40

41 Branch Network Details No bjb Network 2Q 12 2Q 13 YoY 1 Branch Sub Branch Cash Offices Payment Point ATM Waroeng bjb (A,B & C) Layanan bjb Precious MSME Center Mobile Cash Weekend Banking Forex Branches Total 1,539 2,

42 Sumber Daya Manusia Posisi 2Q 12 2Q 13 YoY Dewan Komisaris 5 5 Direksi 5 5 Manajemen Puncak Berdasarkan Pendidikan Up to High School Up to Bachelor Degree Masters and Doctorate Manajemen Madya Manajemen Lini Pertama 957 1, Staf 2,016 4,226 2, MPP Total Permanent 3,209 5,847 2,598 Berdasarkan Umur 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,

43 Penghargaan Tahun 2012 Infobank Awards 2012 Jamsostek Award: Regional Strategic Partner 2012 Call Center Award for 2012 SINDO People of The Year 2012 CEO of The Year Indonesia Trusted Company The Indonesian Institute for Corporate Governance Mark Plus Conference: Indonesia Marketing Champion 2012 Annual Report Award 2012 The 4 th IICD Corporate Governance Conferences & Award: Best Corporate Governance for Newly Listed 43

44 Rp/share Million Shares Performa Harga Saham Volume (RHS) Price (LHS) Grup Hubungan Investor Menara bank bjb 7 th Floor Jl. Naripan Bandung ext 7140/7141 ir@bankbjb.co.id Contact Person: Hanel Topada Pemimpin Grup htopada@bankbjb.co.id Irwan Riswandi Manajer Senior iriswandi@bankbjb.co.id Ari Budiman Manajer abudiman@bankbjb.co.id

45 Menara bank bjb Jl. Naripan th Floor Bandung Telp