2Q2023 Financial Performance Summary
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 BKN)
Number of Pensioners Whose Their
Pension Benefit Disbursed Through BJBR
(Person, Internal Data)
Pre-Pensioners Loan
Pre-Pensioners Loan
95.5
Pensioners Loan
Permanent
Dec 22
441,289
Contract/PPPK
65,152
Jun 23
100
Jun 22
445,403
64,417
Mar 23
Max 90% from Salary
Max 70% from Pension Benefit
Market Share
~56,0%
15 Years
% 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
(Permanent ASN, Dec 2022)
145,614
142,913
Penetration Rate
~45,3%
(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
Potential Disbursement Per NoA
~Rp 125-150 Mn
MICRO LOAN
Rp 5 bn
COMMERCIAL LOAN
Rp 100 bn
(LLL)
CORPORATE LOAN
Legal Lending Limit
Government Program
Regular Program
Linkage
Working Capital
Investment
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
Syndication
Regional
Government Loan
SOE Company
and other
productive loan
Top Tier Company
Pesat
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