bank bjb Financial Performance Review
Loans Segmentation
Consumptive & Productive Segment
Consumptive Segment
CONSUMER LOAN
Hired
25-30 yo
Active Period
Multipurpose Loan
Multipurposes Loan
10 Years
Before Retirement
bank bjb
Retired
~ 60 yo
Retirement Period
Max Age
75 yo
Market Penetration
Pensioners Loan
Number of Civil Servant in West Java &
Banten (Permanent & Contract/PPPK)
(Person, ASN Statistics from BPN)
Number of Pensioners Whose Their
Pension Benefit Disbursed Through BJBR
(Person, Internal Data)
Pre-Pensioners Loan
Permanent
Dec 22
441,289
Contract/PPPK
65,152
Mar 23
Pre-Pensioners Loan
Pensioners Loan
95.4%
100%
Jun 22
445,403
64,417
Dec 22
Max 90% from Salary
Max 70% from Pension Benefit
Market Share
~56,0%
% Portion of Direct
Deduction from Payroll
DSR
Max Tenor
(End of Employment)
79.7%
Max 90% from Salary
25 Years for Civil Servant
20 Years
15 Years for Non-Civil Servant
15 Years
(Permanent ASN, Dec 2022)
142,913
139,294
Penetration Rate
~45,1%
(Pensioners That Have a Loan From BJBR)
MORTGAGE
Regular Program
Primary
Construction
Take Over
Refinancing
Government Program
FLPP
2023 Allocation
8.000 NoA
Productive Segment
Rp 5 mn
Investment
MICRO LOAN
Rp 5 bn
COMMERCIAL LOAN
Rp 40 bn
Government Program
Regular Program
Linkage
Working Capital
2023 Allocation
Mesra
KUR
Rp 3,0 Tr
Micro
SME
Rural Banks
Infrastructure
Loan
Contract-Based
Working Capital
Empowerment
Program
bjb PESAT
Business Capacity New Entrepreneurs
Go Digital
Anchor Client
Government
Pesat
Potential Disbursement Per NoA
~Rp 125-150 Mn
(LLL)
CORPORATE LOAN
Legal Lending Limit
Syndication
Regional
Government Loan
and other
productive loan
SOE Company
Top Tier Company
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