2Q2023 Financial Performance Summary
Investment Proposition
The Economic Potential of
West Java & Banten
Indonesia's 2nd Largest Economic Region (Combined)
Other 32 Provinces
1Q-2023 Regional GDP of West Java & Banten
Pioneer of Regional
Development Bank (BPD) Synergy
Indonesia's Largest Regional Development Bank
The First Movers on
bank bjb
Sustainable Banking in Indonesia
Strong Commitment to ESG Implementation
Sustainable
Portfolio
Other 26 BPDs
Gratification Control
(Collaboration with
SNI ISO 37001
Rp 15.1 Tr
KPK since March, 2011)
(Anti-Bribery
Management
System/SMAP)
16.8% of Indonesia's GDP
1Q-22 GRDP Growth
5.00% (West Java)
4.68% (Banten)
Regional Budget
(Budget 2023)
Rp 217.6 Tr
Population
(June 2023)
62.3 Mn
bank bjb's Market Shares of BPD
17.5% By Total Assets (Bank Only)*
Potential Banking Synergy Among BPD (POJK 12/2021)
Total Assets*
Rp 922 Tr
(8.4% Shares)
Rank #5
Total Net Income*
Rp 5.4 Tr
MSME and Low Income Segment Empowerment
Empowerment Program
Financing Product
Pesat
bjb
iSentra
KUR
2023 Allocation
*As of 30 April 2023, Bank Only
mesra
Rp 3 Tr
(5.4% Shares)
Rank #5
Formidable Captive Market in
a Well-Established Ecosystem
Government-Related Value Chain
Transforming From Regional
to Nationwide Coverage
With Hybrid-Bank Business Model
Civil Servant Loan in West Java & Banten
~56.0% Market Share (by Person)
Other Banks
100
Pipeline
Pensioners Loan of Pension Benefit Payment through BJBR
~45.3% Market Share (by Person)
GRDP: Gross Regional Domestic Products
DIGI
FLPP
2023 Allocation
8.000 Houses
Consistent Dividend Policy
Backed By Stable Financial Metrics
Supported by Resilient Business Model
Dividen per Lembar
Tahun Buku 2022
Pertumbuhan Kredit YoY (Bank Only)
+9.8%
Offline Channels
bank bjb
Distribution
Network
14 Provinces
Online Channels
Digi Mobile User
June 2023 (YoY)
+75.0%
bank bjb's
Business Group/KUB
(Ongoing)
2 Regional Bank's
QRIS Merchant
June 2023 (YoY)
+46.6%
Rp 104,55
95.7
99.1
113.1
Consumer
Mortgage
Corporate
+5.6%
+15.9%
+14.5%
Commercial
103.0
+25.7%
Micro
+10.4%
TB 2020
TB 2021
1Q22
1Q23
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