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

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

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

USDIDR Yield Index (points) Ekonomi Makro BI Rate Tetap Rendah Secara Historis Walaupun Meningkat 75 bps 14 12 10 8 6 4 2 0 GDP Growth BI Rate Indeks Kepercayaan Konsumen Tetap Tinggi Consumer Confidence Index 130 120 110 100 90 80 70 60 Peningkatan Inflasi Setelah Kenaikan BBM Bersubsidi 18 16 14 12 10 8 6 4 2 0 CPI 1mth JIBOR Pengaruh Global Terhadap Pelemahan Pasar Obligasi dan Rupiah 13000 12000 11000 10000 9000 8000 7000 6000 USDIDR 10yr Govt Bonds Yield 25 20 15 10 5 0 3

YoY Growth YoY Growth Sektor Perbankan 45.0 40.0 35.0 30.0 25.0 20.0 15.0 10.0 5.0 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 60.0 50.0 40.0 30.0 May 12 May 13 YoY Total Kredit 2,411 2,921 21.1 Total DPK 2,867 3,293 14.8 20.0 10.0 (10.0) LDR 81.6 85.8 +3.2 NPL 2.2 1.9 0.3 ROA 3.0 2.9 0.1 4

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

Target vs. Realisasi Target 1Q13 2Q13 Loans Growth 25% 28% 36.0 33.7 Deposit Growth 18% 22% 5.1 10.6 ROA (net) 1.8% 2.0% 2.4 2.2 ROE (net) 20% 22% 24.2 24.3 NIM 6.8% 7.2% 8.2 8.2 Cost of Fund 5.0% 5.5% 4.6 4.6 Cost to Income Ratio 51% 54% 55.0 54.7 Gross NPL 1.5% 2.0% 2.1 2.3 Credit Cost 1.0% 1.4% 1.2 1.3 CASA Ratio 40% 45% 50.0 48.5 6

Rasio Keuangan (bank) Rasio Penting 2Q12 3Q12 4Q12 1Q13 2Q13 Profitabilitas ROA (net) 2.1 2.1 1.9 2.4 2.2 ROE (net) 22.6 23.1 21.3 24.2 24.3 Rasio Biaya Cost to Income Ratio 51.1 52.3 56.5 55.0 54.7 BOPO 75.9 76.8 80.0 74.4 75.9 Imbal Hasil Asset Yield 12.5 12.5 12.0 12.8 12.7 Cost of Fund 5.5 5.3 5.2 4.6 4.6 NIM 6.9 7.1 6.8 8.2 8.2 LDR 65.5 65.0 74.1 83.2 80.8 Kualitas Aset Dalam Perhatian Khusus 2.6 3.6 3.0 3.9 3.9 Gross NPL 1.4 1.7 2.1 2.1 2.3 Net NPL 0.6 0.5 0.5 0.7 0.6 Coverage Ratio 121.3 116.4 82.9 78.1 81.8 CKPN/Total Kredit 1.7 2.0 1.7 1.6 1.9 Credit Cost 1.0 1.0 1.2 1.2 1.3 Permodalan CAR 18.4 18.4 18.1 17.2 16.4 7

Laporan Laba Rugi Laporan Laba Rugi (Rp miliar) 1H12 1H13 YoY 1Q12 2Q13 QoQ Pendapatan Bunga 3,364 3,931 16.8% 1,889 2,042 8.1% Beban Bunga (1,561) (1,536) 1.6% (735) (801) 9.1% Pendapatan Bunga Bersih 1,804 2,395 32.8% 1,154 1,241 7.5% Fee Based Income 122 141 15.8% 64 78 21.2% Beban Operasional (976) (1,372) 40.5% (655) (717) 9.4% Laba (Rugi) dalam Instrumen Keuangan 6 9 54.3% (1) 10 PPOP 955 1,174 22.9% 562 611 8.7% Beban CKPN (148) (232) 56.3% (94) (138) 46.0% Pendapatan Non Operasional (2) 1 126.2% 1 Laba Sebelum Pajak 804 942 17.2% 468 474 1.3% Beban Pajak (204) (195) 4.5% (96) (99) 2.3% Laba Bersih 600 747 24.5% 372 376 1.1% 8

Neraca Ringkasan Neraca (Rp miliar) 2Q12 3Q12 4Q12 1Q13 2Q13 YoY Kas atau Setara Kas 1,482 1,380 1,795 1,570 1,684 13.6 Giro pada Bank Indonesia 4,828 4,279 4,666 3,659 4,127 14.5 Cadangan Sekunder 19,996 25,047 24,075 19,887 19,926 0.4 Kreditnet 30,701 32,142 34,769 37,198 41,046 33.7 Pembiayaan Syariahnet 2,012 2,391 2,880 2,965 3,295 63.8 Aktiva Tetapnet 550 520 735 1,002 1,010 83.5 Aktiva Lainlain 1,686 1,949 1,921 2,126 2,333 38.4 Total Aktiva 61,255 67,708 70,841 68,407 73,421 19.9 Total DPK 49,799 52,724 50,608 48,638 55,060 10.6 Surat Berharga yang Diterbitkan 2,744 2,395 2,395 2,395 2,396 12.7 Pinjaman Diterima 2,151 5,581 8,980 9,036 8,167 279.7 Lainnya 1,166 1,266 2,849 2,625 1,711 46.7 Total Kewajiban 55,860 61,966 64,832 62,694 67,334 20.5 Total Ekuitas 5,395 5,742 6,009 5,713 6,087 12.8 9

(Rp tr) Detail Kredit (bank) 45 Consumer Micro Commercial Mortgage Segmen (Rp miliar) 2Q 12 2Q 13 YoY 40 35 30 25 20 15 10 5 0 0.1 2.9 1.0 0.1 3.3 0.1 3.5 1.3 2.0 0.1 3.7 2.4 0.1 3.7 2.5 0.1 4.2 2.7 0.2 0.5 4.6 2.9 26.7 24.5 15.1 15.7 15.4 16.0 16.7 18.0 18.5 19.2 21.4 21.8 22.6 19.7 4.4 3.0 0.7 4.3 3.1 0.9 5.3 3.6 1.2 5.6 4.1 1.7 6.3 4.5 2.3 5.8 5.1 2.9 6.5 5.5 Konsumer 21,356 26,740 25.2 Mikro 3,630 5,515 51.9 Komersial 5,308 6,479 22.1 KPR 941 2,916 209.8 Total Kredit Gross Mata Uang (Rp miliar) 31,236 41,651 33.3 2Q 12 2Q 13 YoY Rupiah 30,928 41,426 33.9 Valas 308 225 26.9 10

(Rp tr) Kredit Konsumer Civil Servant Loans (LHS) Pensioner Loans (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY 30 1.0 Outstanding 21,356 26,740 25.2 25 20 15 0.45 0.45 0.43 0.44 0.45 0.54 0.50 0.47 0.56 1.11 0.80 0.60 0.63 1.46 0.9 0.8 0.7 0.6 0.5 Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 2,188 4,114 88.0 60 78 29.6 Jumlah Debitur 355,575 343,597 3.4 10 25.3 23.4 20.8 21.2 21.8 14.6 15.3 14.92 15.5 16.3 17.5 18.0 18.6 19.2 0.4 0.3 Tingkat Suku Bunga 15.00%18.48% % eff. p.a 5 0.2 Kualitas Kredit 2Q 12 2Q 13 YoY 0 0.1 0.0 Dalam Perhatian Khusus 0.18 0.23 0.06 NPL 0.10 0.11 0.01 11

(Rp tr) Kredit Mikro KMU (LHS) Govt Program (LHS) KCR (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY 6.0 10.0 Outstanding 3,630 5,515 51.9 5.0 4.0 0.7 0.6 0.6 1.2 0.7 1.3 9.0 8.0 7.0 6.0 Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 655 970 48.1 50 58 15.7 3.0 2.0 1.0 0.5 0.4 0.0 0.1 0.7 0.3 0.6 0.7 0.6 0.7 0.7 0.7 1.1 1.1 1.1 1.0 0.9 0.7 1.0 1.0 1.1 1.2 1.2 1.4 0.6 1.1 1.9 1.1 2.3 1.2 2.7 3.2 3.6 5.0 4.0 3.0 2.0 1.0 Jumlah Debitur 72,325 95,007 31.4 Tingkat Suku Bunga 11.0% 27.5% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus 9.5 18.1 8.6 0.6 0.7 1.0 0.0 NPL 3.8 6.9 3.1 *Kredit Mikro Utama 12

(Rp tr) Kredit Komersial Working Capital (LHS) Syndicated (LHS) Investment (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY 7.0 15.0 14.0 Outstanding 5,308 6,479 22.1 6.0 5.0 4.0 3.0 2.0 0.5 0.5 0.5 0.5 0.5 0.5 0.6 0.6 0.5 0.5 0.6 0.6 0.6 0.6 0.6 0.8 0.6 0.6 0.8 0.5 3.9 0.8 0.8 0.7 1.0 0.6 1.2 4.3 4.5 3.9 0.9 1.3 4.3 13.0 12.0 11.0 10.0 9.0 8.0 7.0 6.0 5.0 4.0 Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 906 143 84.2 468 650 38.9 Jumlah Debitur 11,351 9,975 12.1 Tingkat Suku Bunga 6.3% 14.5% eff. p.a 1.0 2.3 2.5 2.6 2.6 1.9 3.0 3.3 3.2 3.0 3.0 2.0 Kualitas Kredit 2Q 12 2Q 13 YoY 1.0 Dalam Perhatian Khusus 6.9 4.7 2.2 NPL 5.2 7.2 2.0 13

(Rp bn) Kredit Pemilikan Rumah (KPR) 3,500 Mortgage Loans (LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 15.0 14.0 YoY Outstanding 941 2,916 209.8 3,000 2,916 13.0 2,500 2,000 1,500 1,000 941 1,215 1,721 2,287 12.0 11.0 10.0 9.0 8.0 7.0 6.0 5.0 4.0 Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) 489 1,195 144.5 238 275 15.2 Jumlah Debitur 3,951 10,620 168.8 Tingkat Suku Bunga 7.25% 13.75% eff. p.a. 500 453 663 3.0 2.0 Kualitas Kredit 2Q 12 2Q 13 YoY 195 72 80 78 91 108 140 1.0 Dalam Perhatian Khusus 6.4 8.7 2.3 NPL 0.5 3.0 2.5 14

(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 17,387 48.5 40 32.4 30.0 28.5 24.3 22.6 26.6 Tabungan 6,006 7,608 26.7 Deposito 29,986 26,574 11.4 30 23.5 20.0 TOTAL 47,700 51,569 8.1 20 15.6 17.9 19.2 18.9 19.1 20.9 6.3 8.7 7.1 7.6 Rasio CASA 37.1 48.5 11.3 10 3.2 9.2 3.4 3.5 10.7 10.3 4.7 7.5 6.0 5.0 6.0 4.4 3.8 4.0 15.7 14.5 15.5 10.0 10.0 10.8 11.0 12.0 11.7 17.4 Mata Uang (Rp miliar) 2Q 12 2Q 13 YoY Rupiah 47,476 51,223 7.9 0 Valas 224 346 54.5 15

(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 0.10 0.11 0.01 2 1,000 962 Mikro 3.8 6.9 3.1 79 140 Komersial 5.2 7.2 2.0 63 800 600 796786 754 728 701 699 679 648 593 603 621 575 587 551 557 527 534 516 508 480 120 100 80 KPR 0.5 3.0 2.5 Total 1.4 2.3 0.90 144 400 200 403 406 373 368 324 334 441 60 40 3.0 2.5 2.0 1.5 2.0 1.8 1.9 1.8 Gross NPL 2.6 2.2 2.3 Net NPL 1.2 1.2 1.4 1.7 2.1 2.1 2.3 20 1.0 0.5 0.4 0.2 0.2 0.3 0.5 0.7 0.8 0.4 0.2 0.6 0.5 0.5 0.7 0.6 0 16

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 1,600 254 4.5 4.0 100% 90% 4 4 3 1 2 2 4 2 5 7 7 9 14 16 1,400 1,200 1,000 88 96 210 304 420 3.5 3.0 2.5 80% 70% 60% 51 51 56 54 46 46 28 42 51 45 44 32 28 19 800 600 400 200 44 60 516 339 9 438 365 997 7 15 790 7 224 8 3 190 113 524 570 8 8 159 182 332 344 138 105 103 67 68 109 95 147 195 247 278 26 25 24 21 33 25 28 19 37 37 51 46 67 63 2.0 1.5 1.0 0.5 50% 40% 30% 20% 10% 0% 32 33 13 12 42 37 34 7 8 9 61 47 6 7 62 54 52 53 43 44 39 4 4 5 4 4 4 4 17

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) 3.0 100% 2 Consumer Micro Commercial Mortgage 2 2 0 1 2 2 2 2 4 6 7 9 9 90% 1,000 2.5 80% 87 800 11 48 68 2.0 70% 60% 84 81 78 79 79 78 73 65 59 63 53 64 51 49 600 10 467 1.5 50% 400 200 6 7 8 9 313 320 312 299 10 409 455 495 211 196 277 297 464 408 378 289 34 39 62 58 75 98 149 201 186 78 114 137 21 23 20 19 22 24 24 23 22 22 27 29 30 29 12 2 5 32 1.0 0.5 40% 30% 20% 10% 0% 22 11 15 14 15 17 9 6 6 5 5 4 4 3 34 36 36 39 31 24 26 7 7 5 5 4 4 3 18

Analisa Imbal Hasil Asset Yield 2Q 12 2Q 13 Marketable Securities 17.4% Placement to Bank Indonesia 4.0 3.9 Interbank Placement 3.2% Placement to Bank Indonesia 10.1% Others 1.3% Loans 67.9% Interbank Placement 3.1 2.8 Securities 4.7 4.8 Loans Yield 19.1 17.0 Others 0.2 0.0 Interbank Lending, 7.2 Bonds, 2.4 Time Deposit, 26.6 Cost of Fund 2Q 12 2Q 13 Interbank Liabilities 4.3 4.7 Securities 11.6 11.0 Current Account, 17.4 Savings Account, 7.6 Deposits From Customers 5.3 4.4 Current Account 2.2 2.1 Time Deposit 6.9 6.4 Savings Account 2.3 1.9 Loans received 0.1 0.0 19

Lending Proportion Funding Proportion Basis Nasabah Basis Nasabah Mikro Tumbuh Cepat Strategi Funding Berhasil Baik Consumer Micro Commercial Mortgage Government Corporate Retail 100% 0 0 0 0 0 0 0 0 1 1 1 1 2 2 1 1 2 3 3 3 3 2 2 3 3 2 2 2 100% 90% 10 11 12 12 13 14 15 15 15 16 18 19 20 21 90% 19 17 18 22 16 19 18 25 19 19 19 24 22 20 80% 80% 70% 60% 70% 60% 39 42 42 26 34 37 41 34 32 26 29 50% 50% 54 50 49 40% 89 87 86 84 84 83 82 82 82 80 79 77 76 75 40% 30% 20% 30% 20% 42 41 40 58 48 45 40 47 49 52 51 10% 10% 24 25 26 0% 0% 20

Kecukupan Modal Aktiva Tertimbang Menurut Resiko (ATMR) 2Q 12 2Q 13 YoY Total ATMR 25,235 30,392 20.4 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 23,126 17.0 Risiko Operasional 5,191 6,254 20.5 Risiko Pasar 284 1,011 255.7 ATMR/Total Aktiva 42.9% 43.9% 1.0 tier1 4,664 5,004 7.3 Analisa KPMM Bobot Resiko Penambahan ATMR/ Rp1tr Ekspansi Neto Dampak Terhadap KPMM tier 2 (21) (33) 56.0 Total Modal 4,643 4,971 7.1 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 0.26 21

Sumber Pertumbuhan Baru Kredit Mikro 22

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

(Rp tr) Kredit Mikro 6.0 Total Micro Loans NPL 12.0 Indikator Utama 2Q 12 2Q 13 YoY 5.5 Outstanding 3,630 5,515 51.9 5.0 4.5 5.1 10.0 Ekspansi Neto (Rp miliar) 655 970 48.1 4.0 3.0 2.0 1.0 3.3 1.0 2.0 3.0 3.0 1.3 2.4 2.4 2.5 3.0 2.7 3.6 2.9 5.1 3.6 3.1 3.0 3.7 3.8 2.6 4.1 4.9 4.1 5.7 6.9 8.0 6.0 4.0 2.0 Ratarata Outstanding per Debitur (Rp miliar) 50 58 15.7 Jumlah Debitur 72,325 95,007 31.4 Tingkat Suku Bunga 22% 27% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus 9.5 18.1 8.6 0.0 NPL 3.8 6.9 3.1 *Kredit Mikro Utama 24

(Rp tr) Kredit Mikro Utama 4.0 Kredit Mikro Utama (LHS) NPL (RHS) 12.0 Indikator Utama 2Q 12 2Q 13 YoY 3.5 3.0 3.2 3.6 10.0 Outstanding 1,889 3,570 88.9 Ekspansi Neto (Rp miliar) 686 820 19.7 2.5 2.0 1.5 1.0 3.7 4.1 5.4 4.9 4.2 3.9 1.0 1.1 1.0 1.0 5.9 1.4 1.2 1.2 2.3 2.3 1.9 2.5 2.3 3.8 2.7 3.7 5.3 5.4 8.0 6.0 4.0 Ratarata Outstanding per Debitur (Rp miliar) 36 49 37.4 Jumlah Debitur 53,027 72,920 37.5 Tingkat Suku Bunga 23.0% 27.5% eff. p.a. 0.5 0.6 0.7 2.0 Kualitas Kredit 2Q 12 2Q 13 YoY 0.0 Dalam Perhatian Khusus 10.3 19.7 +9.4 NPL 2.5 6.7 +4.2 25

(Rp tr) Program Pemerintah 1.4 Government Program (LHS) NPL (RHS) 12 Indikator Utama 2Q 12 2Q 13 YoY Outstanding 1,111 1,250 12.5 1.2 1.0 0.8 0.6 0.7 0.9 1.0 1.1 1.1 1.1 1.1 1.1 8.4 6.0 5.5 1.2 5.9 1.2 1.2 7.3 7.6 10 8 6 Ekspansi Neto (Rp miliar) Ratarata Outstanding per Debitur (Rp miliar) (33) 94 388.0 77 71 7.9 Jumlah Debitur 14,403 17,601 22.2 4 Tingkat Suku Bunga 8.3% 14.0% eff. p.a 0.4 3.1 2.7 0.2 0.0 0.1 0.3 0.0 0.4 1.3 2 0 Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus 11.5 16.0 +4.5 NPL 6.0 8.39 +2.4 Kredit Cinta Rakyat 8.3% eff. p.a. Kredit Usaha Rakyat 13% eff. p.a. 26

(Rp tr) Kredit Mikro Lainnya Others Micro Loans(LHS) NPL (RHS) Indikator Utama 2Q 12 2Q 13 YoY 0.8 12.0 Outstanding 630 696 10.4 0.7 0.6 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.7 0.6 0.6 0.6 10.0 Ekspansi Neto (Rp miliar) 2 55 2514.1 0.5 0.4 0.5 0.4 6.9 0.6 4.7 5.4 8.0 6.0 Ratarata Outstanding per Debitur (Rp miliar) 129 155 20.5 Jumlah Debitur 4,895 4,486 8.4 0.3 0.2 0.1 2.5 2.1 2.8 2.8 3.5 3.9 3.1 3.7 3.8 2.7 2.7 4.0 2.0 Tingkat Suku Bunga 10.5% 18.04% eff. p.a. Kualitas Kredit 2Q 12 2Q 13 YoY Dalam Perhatian Khusus 3.5 13.4 9.9 NPL 3.8 4.7 1.0 * ) KMK Koperasi untuk anggota,kmk Program Koperasi, KMK agribisnis, KMK BPR, KMK Program Kridamas 27

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 1,000 800 600 400 200 18.1 15.6 93 12.7 12.5 200 52 10.8 172 9.4 9.5 8.5 58 64 7.1 6.5 140 5.3 5.3 5.8 153 20 22 704 4.0 567 31 22 142 128 27 96 110 372 18 307 64 15 31 3 68 91 49 58 81 98 105 129 138 169 195 17 11 20 18 16 14 12 10 8 6 4 2 0 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 8 15 13 6 26 3 74 85 84 86 9 13 14 11 21 39 33 39 67 54 52 49 6 6 12 10 25 37 43 29 65 51 56 59 7 9 22 20 72 71 28

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 9 9 10 9 350 300 250 200 150 100 50 3.3 3.0 3.0 9 9 24 30 2.4 18 19 0 44 39 3.0 23 3 50 3.6 27 13 58 5.1 46 35 69 3.7 3.8 2.6 24 22 67 20 62 31 28 31 47 4.9 4.1 18 17 94 68 101 89 5.7 30 88 171 33 6.9 105 241 7 6 5 4 3 2 1 0 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 28 72 24 76 30 70 27 30 33 0 4 14 67 66 59 31 23 46 19 17 25 49 40 54 35 27 34 47 44 37 54 30 59 28 64 29

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 2,125 97 277 434 36 352 464 248 30

Kinerja Bisnis Syariah 2Q13 bank bjb Syariah 31

Ringkasan Kinerja Laba Rugi Pendapatan Marjin Bersih Rp 130.0 miliar (+38.1% YoY) Biaya Operasional Rp 112.5 miliar (+18.3% YoY) Laba Bersih Rp 14.9 miliar (+1267.1% 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

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% +5.3 33

Laporan Laba Rugi Laporan Laba Rugi (Rp juta) 2Q 12 2Q 13 YoY Pendapatan Marjin 161,238 242,961 50.7 Biaya Marjin (67,077) (112,961) 68.4 Marjin Bersih 94,161 130,000 38.1 Pendapatan Operasional Lainnya 2,090 3,671 75.6 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) 1.579.6% Laba Bersih 1,089 14,887 1,267.0% 34

Neraca Neraca Keuangan (Rp juta) 2Q 12 2Q 13 YoY Kas atau Setara Kas 15,299 20,552 34.3 Giro Pada Bank Indonesia 107,988 171,431 58.8 Cadangan Sekunder 731,514 897,878 22.7 Pembiayaan Net 2,011,601 3,295,429 63.8 Aktiva Tetap Net 10,103 151,493 1399.5 Aktiva Lainlain 45,298 57,271 26.4 Total Aktiva 2,921,803 4,594,054 57.2 DPK 2,253,249 3,500,331 55.4 Pinjaman yang Diterima Lainnya 88,450 352,776 298.8 Total Kewajiban 63,393 93,775 47.9 Total Ekuitas 2,405,092 3,946,882 64.1 Neraca Keuangan (Rp juta) 516,711 647,172 25.2 35

(Rp tr) Kinerja Syariah 4.0 Total Financing Total Funding Pembiayaan Syariah 2Q 12 2Q 13 YoY 3.5 3.4 3.6 3.5 Murabahah (Trading) 944,613 1,877,017 98.7 Ijarah 27,155 8,626 68.2 3.4 Pembiayaan 651,143 1,254,927 92.7 3.0 3.0 3.1 Qardh (Bridging) 433,782 242,349 44.1 Isthisna (Pawning) 6,267 5,968 4.8 2.5 2.2 2.4 2.3 2.4 Total Pembiayaan 2,062,960 3,388,887 64.3 2.0 1.5 1.0 2.0 2.1 1.7 1.8 1.8 1.6 1.6 1.4 1.6 1.3 1.6 1.4 1.1 1.1 1.0 0.8 DPK 2Q 12 2Q 13 YoY Giro Wadiah 69,935 100,716 44.0 Giro Mudharabah Tabungan Wadiah 66,787 81,582 22.2 0.5 Tabungan Mudharabah 236,952 305,933 29.1 0.0 Deposito Mudharabah 1,879,575 3,012,100 60.3 Total DPK 2,253,249 3,500,331 55.4 36

Profil Perusahaan bank bjb 37

Kepemilikan West Java Provincial Government West Java Municipal Government Banten Provincial Government Banten Municipal Government Public (B Series) 25 38.26 Struktur Kepemilikan 2Q12 2Q13 Pendiri (Seri A) 75.00 75.00 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 25,00 7.76 5.37 23.61 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

Road Map A Strong Sustainable Growth and Profitable National Bank 20112012 20132014 2015 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

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

Branch Network Details No bjb Network 2Q 12 2Q 13 YoY 1 Branch 56 62 6 2 Sub Branch 212 304 92 3 Cash Offices 80 142 62 4 Payment Point 94 104 10 5 ATM 612 969 357 6 Waroeng bjb (A,B & C) 436 562 126 7 Layanan bjb Precious 4 11 7 8 MSME Center 6 6 0 9 Mobile Cash 7 11 4 10 Weekend Banking 9 12 3 11 Forex Branches 23 47 24 Total 1,539 2,230 691 41

Sumber Daya Manusia Posisi 2Q 12 2Q 13 YoY Dewan Komisaris 5 5 Direksi 5 5 Manajemen Puncak 26 34 8 Berdasarkan Pendidikan Up to High School Up to Bachelor Degree Masters and Doctorate 1.0 5.0 Manajemen Madya 195 205 10 Manajemen Lini Pertama 957 1,327 370 Staf 2,016 4,226 2,210 95 MPP 5 5 0 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 <30 31 40 41 55 13.0 9.0 Total 9,773 11,265 1,452 78.0 42

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

Rp/share Million Shares Performa Harga Saham Volume (RHS) Price (LHS) 1400 120 1300 1200 1100 1000 100 80 60 Grup Hubungan Investor Menara bank bjb 7 th Floor Jl. Naripan 12 14 Bandung 40111 +6222 4234868 ext 7140/7141 ir@bankbjb.co.id Contact Person: Hanel Topada Pemimpin Grup htopada@bankbjb.co.id 900 800 700 40 20 Irwan Riswandi Manajer Senior iriswandi@bankbjb.co.id Ari Budiman Manajer abudiman@bankbjb.co.id 600 0 44

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