2Q2023 Financial Performance Summary
Loans Breakdown
Loans Outstanding
bank bjb
Consumer
120Rp Tr)
Mortgage
Corporate
Commercial
Micro
% SML
% NPL
(%)5
Segment (Rp bn)
2Q22
2Q23
YoY (%)
7.2
6.6
7.0
6.8
100
6.0
6.0
80
5.8
6.7
10.6
60
7.2
87 2
8.2
7.5
11.9
12.3
7.6
7.8
053
6222
6.2
7.0
88
6.5
10.4
8.3
9.6
10.1
9.4
4
Consumer
63,375
66,898
+5.6%
Consumptive
16.4
16.4
16.5
16.5
18.8
14.4
Segment
8.1
8.5
8.9
9.2
9.4
9.8
3
Mortgage
8,461
9,807
+15.9%
60
2
Corporate
16,435
18,818
+14.5%
40
60.8
61.1
61.9
62.6
63.4
64.4
65.2
66.2
66.9
1
20
20
Productive
Segment
Commercial
8,266
10,395
+25.7%
Micro
6,483
7,158
+10.4%
0
0
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
1Q23
2Q23
Total Gross Loans
103,021
113,076
+9.8%
Consumer
Mortgage
Corporate
Commercial ■Micro
100%
6%
9%
8%
6% 6%
6%
6%
6%
6%
6%
8%
9%
9%
9%
9%
80%
T
Asset Quality (%)
2Q22
2Q23
YoY (%)
12%
13%
13%
15%
16%
16%
15%
15%
17%
8%
8%
8%
8%
8%
8%
9%
9%
9%
60%
40%
67%
64%
65%
64%
62%
61%
60%
61%
59%
20%
0%
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
1Q23
2Q23
Special Mention
2.2
2.4
+0.2
NPL
1.1
1.2
+0.1
ך
Economic Sectors (Business Segment 2Q23)
Trade
26.6%
Construction
20.8%
Financial
18.5%
Industry
15.4%
Other
18.7%
Currency (Rp bn)
2Q22
2Q23
YoY (%)
IDR
101,917
111,890
+9.8%
Forex
1,104
1,185
+7.4%
19View entire presentation