Quarterly Financial Overview
Pioneer of Regional Development Bank (BPD) Synergy
Indonesia's Largest Regional Development Bank
Regional Development Bank Financial Performance
(27 BPD, SPI OJK as of 31 July 2023)
Total Assets
Rp933 Tr
+6.0% YoY
Total Deposits
Rp742 Tr
+5.1% YoY
Total Loans
Rp585 Tr
+8.4% YoY
Rp Trillion
Market Share (%)
Total Net Profits
Rp8.1 Tr
CAR
24.8%
+236 bps YoY
NPL
-9.6% YoY
bank bjb
Regional Development Bank Breakdown
Based on Total Assets (Bank Only, 31 July 2023)
17,5%
bank bjb (Biggest BPD
In Indonesia)
Others
2.4%
-2 bps YoY
(22 Banks)
49.4%
9.3
9.2
8.8
8.5
8.7
7.7
8.5
5.8
NIM
880
933
706
742
539
585
9.0
8.2
5.7%
7M-22
7M-23
7M-22
7M-23
7M-22
7M-23
7M-22
7M-23
-5 bps YoY
BPD's
Total Assets
Rp933 Tr
Bank Kaltim
5.0%
Bank Jatim
11.2%
Bank Jateng
8.7%
Bank DKI
8.2%
POJK 12/2020
Banking Consolidation
- BPD must have a Core Capital of a minimum Rp 3 Trillion before 31
December 2024. If this is not fulfilled, BPD could be downgraded to
Rural Bank (BPR).
-
- The benefit for BPD to become members of Business Group (KUB) is
that they only need Core Capital of Rp 1 Trillion and can conduct
Banking Synergy in accordance with POJK 12/2021.
Banking Synergy
bank bjb
Business & Infrastructure Synergy (Syndicated
Loan, BI Fast, IT Infrastructure, Tax Payment,
Sharing Expertise, etc)
Bank Business Group
Kelompok Usaha Bank (KUB)
Financial Performances of BPD with Core Capital < 3 Tr (Exclude BPD with Nett Loss, 2Q2023, Rp Tr)
* On going process to become member of bank bjb's KUB
No
Bank
Core
Capital
1
Bank Kalsel
2.5
23.3
Total Total Total
Assets Deposits Loans
17.9
11.6
Profits
(Rp Mn)
140.6
CAR (%) ROE (%) NPL (%) NIM (%)
2
Bank Kalteng
2.5
13.1
9.3
9.0
185.8
25.0% 11.9%
37.4% 16.0%
3.4%
5.1%
1.4%
8.5%
3
Bank Jambi
2.2
12.7
10.0
8.5
208.6 36.4% 19.0%
1.9%
6.4%
4
Bank NTT
2.2
15.7
12.8
11.8
86.0
24.2%
8.0%
2.6%
6.9%
5 Bank SulutGo
1.7
19.7
16.0
14.0
145.3
19.7% 17.3%
2.8%
7.7%
6 Bank Sultra*
1.5
11.8
9.5
8.6
179.9
31.3% 23.8%
1.1%
8.8%
lood
7
Bank NTB Syariah
1.5
13.4
10.3
9.2
111.4
23.4%
14.8%
1.3%
5.6%
8
Bank Maluku Malut*
1.5
9.3
7.4
5.4
65.8
33.1% 8.5%
3.0%
6.4%
9
Bank Sulteng
1.4
11.7
8.1
6.6
139.3
32.3% 21.5%
2.8%
6.0%
10 Bank Banten
1.2
7.5
4.5
3.6
11 Bank Bengkulu*
1.2
8.4
6.8
6.3
25.5% 9.1%
- 24.1 44.6% -3.8% 9.6%
53.5
3.9%
1.3%
6.1%
4
Benefit - Dividend & Revenue Sharing as Fee Based Income
-
Big Data for Market Behavior AnalysisView entire presentation