Financial Performance Report Q1 2023
Pioneer of Regional Development Bank (BPD) Synergy
As Indonesia's Largest Regional Development Bank
Regional Development Bank Financial Performance
(27 BPD, SPI OJK as of 28 February 2023)
Total Assets
Total Deposits
Total Loans
Rp Trillion
Market Share (%)
Total Net Profits
Rp908 Tr
+4.6% YoY
Rp713 Tr
+2.2% YoY
Rp562 Tr
+10.0% YoY
Rp2.3 Tr
-5.6% YoY
CAR
23.4%
-3 bps YoY
NPL
2.3%
bank bjb
Regional Development Bank Breakdown
Based on Total Assets (Bank Only, 28 February 2023)
17,6%
bank bjb (Biggest BPD
In Indonesia)
Others
(22 Banks)
49.0%
-37 bps YoY
9.5
8.9
8.9
8.0
8.8
8.6
5.8
8.3
NIM
868
908
698
713
511
562
2.5
2.3
5.2%
2M-22
2M-23
2M-22
2M-23
2M-22
2M-23
2M-22
2M-23
-34 bps YoY
BPD's
Total Assets
Rp944 Tr
Bank Sumut
4.4%
Bank DKI
8.7%
Bank Jatim
10.9%
Bank Jateng
9.5%
BPD's Business Synergy
Synergy
Business Synergy (Syndicated Loan,
Forex Transaction, Remittance, etc)
- Sharing Infrastructure
(BI Fast,
IT
bank bjb Infrastructure, Mobile Apps, Tax Payment,
Branchless Banking, etc)
- Sharing Expertise (Human Capital,
Governance, Risk Management, etc)
Good
Benefit Dividend & Revenue Sharing as Fee Based Income
-
Big Data for Market Behavior Analysis
BPD Synergy
BPD's Consolidation in Bank Business Group (KUB)
POJK 12/2020
Banking Consolidation
Banks owned by Regional Government must have a Core
Capital of a minimum Rp 3 Trillion before 31
December 2024.
BPD with Core Capital < Rp 3 Tr Performance
Accumulated from 13 BPD, excluding a Net-Loss BPD
Core Capital Rp 3 Tr
13 BPD
Core Capital < Rp 3 Tr
14 BPD
- Banks that become members of Business Group (KUB)
are only required to have Core Capital Rp 1 Trillion.
Indicators
Total Assets
Total Deposits
Total Loans
Total Profits
4Q2022
Ratios
4Q2022
Rp 202.8 Tr Average CAR
Rp 152.6 Tr Average ROE
Rp 117.4 Tr
Rp 2.4 Tr
25.6%
16.5%
Average NPL
Average NIM
1.7%
6.7%
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