bank bjb Financial Performance Review
Loans Breakdown
Loans Outstanding
bank bjb
Consumer
Mortgage
Corporate
Commercial
Micro
% SML
% NPL
(Rp Tr)
(%)
120
5
Segment (Rp bn)
1Q22
1Q23
YoY (%)
100
6.2
6.0
6.0
5.9
5.8
7.0
60
8.2
7.5
20
88
53
6.6
7.0
6.8
6.5
8.3
9.6
10.1
9.4
4
Consumer
62,579
66,239
+5.8%
Consumptive
80
6.3
6.7
11.1
10.6
11.9
12.3
14.4
16.4
16.4
16.5
16.5
Segment
60
7.0
7.2
7.6
7.8
8.1
8.5
8.9
9.2
9.4
3
Mortgage
8,124
9,447
+16.3%
60
2
Corporate
14,367
16,482
+14.7%
40
40
60.5
60.8
61.1
61.9
62.6
63.4
64.4
65.2
66.2
Productive
Commercial
6,988
9,364
+34.0%
1
Segment
20
Micro
6,197
6,838
+10.3%
0
0
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
1Q23
Total Gross Loans
98,256
108,370
+10.3%
Consumer
Mortgage
Corporate
Commercial ■Micro
100%
80%
୮
6%
6%
6%
6%
6%
6%
6%
9%
8%
7%
8%
9%
9%
9%
T
T
Asset Quality (%)
1Q22
1Q23
YoY (%)
12%
8%
13%
13%
15%
16%
16%
15%
15%
8%
8%
8%
8%
8%
9%
9%
T
60%
40%
20%
T
0%
1Q21
2Q21
3Q21
4Q21
Special Mention
2.6
2.3
-0.3
67%
67%
64%
65%
64%
62%
61%
60%
61%
NPL
1.2
1.2
ך
1Q22
2Q22
3Q22
4Q22
1Q23
Economic Sectors (Business Segment 1Q23)
Trade
27.9%
Construction
19.6%
Financial
19.1%
Industry
16.4%
Other
17.1%
Currency (Rp bn)
1Q22
1Q23
YoY (%)
IDR
97,214
107,205
+10.3%
Forex
1,042
1,166
+11.9%
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