bank bjb Financial Performance Review
bank bjb
Investment Proposition
The Economic Potential of
West Java & Banten
As Indonesia's 2nd Largest Economic Region (Combined)
Pioneer of Regional
Development Bank (BPD) Synergy
As Indonesia's Largest Regional Development Bank
The First Movers on
Sustainable Banking in Indonesia
Strong Commitment to ESG Implementation
Other 32 Provinces
4Q-2022 GRDP of West Java & Banten
Rp 3,170.0 Tr (16.2% of Indonesia's GDP)
4Q-22 GRDP Growth
4.61% (West Java)
4.03% (Banten)
Regional Budget
(Budget 2022)
Rp 208.3 Tr
Population
(Dec 2022)
61.7 Mn
Other 26 BPDs
Sustainable
Portfolio
Gratification Control
(Collaboration with
SNI ISO 37001
Rp 13.6 Tr
KPK since March, 2011)
(Anti-Bribery
Management
System/SMAP)
bank bjb's Market Shares of BPD
17.6% By Total Assets (Bank Only)*
Potential Banking Synergy Among BPD (POJK 12/2021)
Total Assets*
Total Net Income*
MSME and Low Income Segment Empowerment
Empowerment Program
Financing Product
KUR
Rp 908 Tr
(8.3% Shares)
Rank #5
Rp 2.3 Tr
(5.8% Shares)
Rank #5
Pesat
bjb
iSentra
*As of 28 February 2023, Bank Only
mesra
Rp 3 Tr
2023 Allocation
FLPP
2023 Allocation
8.000 Houses
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
~45.1% Market Share (by Person)
GRDP: Gross Regional Domestic Products
Offline Channels
bank bjb
Distribution
Network
14 Provinces
bank bjb's
Business Group/KUB
(Ongoing)
2 Regional Bank's
Online Channels
DIGI
Digi Mobile User
March 2023 (YoY)
+94.5%
QRIS Merchant
March 2023 (YoY)
+56.8%
Expansive Loan Growth with
Prudent Business Approach
Respectable Numbers in Loan Quality Metrics
Loan Growth YoY (Bank Only, Rp Tr)
+10.3%
Loan At Risk
6.4%
108.4
98.3
Micro
Consumer
Mortgage +16.3%
Corporate +14.7%
Commercial +34.0%
+10.3%
+5.8%
NPL
1.2%
NPL Coverage
121.9%
Cost of Credit
0.1%
1Q22
1Q23
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