2Q2023 Financial Performance Summary
Pioneer of Regional Development Bank (BPD) Synergy
Indonesia's Largest Regional Development Bank
Regional Development Bank Financial Performance
(27 BPD, SPI OJK as of 31 April 2023)
Total Assets
Rp922 Tr
+4.2% YoY
Total Deposits
Rp733 Tr
+3.4% YoY
Total Loans
Rp571 Tr
+9.3% YoY
Rp Trillion
Market Share (%)
Total Net Profits
Rp5.4 Tr
CAR
22.4%
+9 bps YoY
-15.2% YoY
bank bjb
Regional Development Bank Breakdown
Based on Total Assets (Bank Only, 31 April 2023)
17,5%
bank bjb (Biggest BPD
In Indonesia)
NPL
2.4%
Others
-28 bps YoY
(22 Banks)
49.2%
9.5
9.2
8.7
8.7
8.8
8.2
8.4
5.4
NIM
884
922
709
733
522
571
5.1
4.3
5.3%
4M-22
4M-23
4M-22
4M-23
4M-22
4M-23
4M-22
4M-23
-43 bps YoY
BPD's
Total Assets
Rp922 Tr
Bank Kaltim
5.4%
Bank Jatim
10.2%
Bank Jateng
9.3%
Bank DKI
8.4%
POJK 12/2020
Banking Consolidation
- BPD must have a Core Capital of a minimum Rp 3 Trillion before 31
December 2024. If this is not fulfilled, BPD could be downgraded to
Rural Bank (BPR).
-
- The benefit for BPD to become members of Business Group (KUB) is
that they only need Core Capital of Rp 1 Trillion and can conduct
Banking Synergy in accordance with POJK 12/2021.
Banking Synergy
bank bjb
Business & Infrastructure Synergy (Syndicated
Loan, BI Fast, IT Infrastructure, Tax Payment,
Sharing Expertise, etc)
Bank Business Group
Kelompok Usaha Bank (KUB)
Financial Performances of BPD with Core Capital < 3 Tr, Exclude 1 BPD with Nett-Loss (1Q2023, Rp Tr)
* On going process to become member of bank bjb's KUB
No
Bank
Core
Capital
Total
Assets
Total
Deposits
Total
Profits
CAR
ROE
NPL
NIM
Loans
(Rp Mn)
(%)
(%)
(%)
(%)
1
Bank Kalteng
2.4
13.4
2.5
8.7
113.9
38.5%
20.7%
1.5%
8.6%
2
Bank Kalsel
2.3
22.2
6.0
11.9
88.2
22.5%
15.6%
3.1%
5.2%
3
Bank Jambi
2.2
13.0
5.3
8.4
105.6
36.2%
19.3%
1.8%
6.6%
4
Bank NTT
2.1
16.8
6.5
11.8
29.3
22.6%
5.1%
3.4%
6.9%
5
Bank SulutGo
1.7
19.2
10.6
13.6
78.9
19.2%
18.8%
2.9%
7.5%
6 Bank Maluku Malut
1.6
9.9
4.0
5.2
49.2
36.8%
12.5%
2.8%
6.3%
Good
7
Bank NTB Syariah
1.6
13.2
5.3
8.8
65.0
26.3%
16.7%
1.2%
5.7%
8
Bank Sultra*
1.4
11.5
2.7
8.5
96.4
29.8%
25.3%
1.1%
8.8%
9
Bank Sulteng
1.3
12.0
3.7
6.4
73.6
30.3%
23.4%
2.8%
5.9%
10
Bank Lampung
1.2
10.3
4.1
6.3
28.6
27.6%
9.1%
2.1%
5.4%
11
Bank Bengkulu*
1.2
8.7
4.2
6.3
44.4
25.9%
15.0%
1.2%
6.0%
4
Benefit - Dividend & Revenue Sharing as Fee Based Income
-
Big Data for Market Behavior AnalysisView entire presentation