3q17 company report - bank bjb · bank bjb 3q17 company report. macroeconomic source: bloomberg...
TRANSCRIPT
Macroeconomic
Source: Bloomberg Source: Bloomberg
Source: Bloomberg Source: Bloomberg
Stable Consumer Confident Index BI 7 Day Reverse Repo Rate at 4.25%
IDR Appreciated Againts USDInflation Reached 3.72% YoY in September
2
0123456
012345678
(%)
(%)
GDPGrowth (LHS) 7DayRR(RHS)
020406080
100120140
Index(points)
Consumer Confidence Index
02468101214
(%)
CPI 1MJIBOR
024681012
6000
8000
10000
12000
14000
Yield(%)
USD
IDR
USDIDR 10YrGovtBond
3
Banking Sector
Aug ’16 Aug ’17 YoY (%)
Total Loans 4,177 4,527 8.38
Total Deposit 4,610 5,052 9.6
LDR 90.04 89.17 -0.87
NPL 3.22 3.05 -0.17
ROA 2.36 2.47 0.11
NIM 5.59 5.35 -0.24
As of Aug 17, banking sector data shows:
• Loans +8.38%YoY to Rp4,527 tr (Investment loans +6.99%
YoY, working capital +7.81% YoY, consumer loans +10.18%
YoY)
• Deposit 9.60% YoY to Rp5,052 tr (CASA +8.53% YoY, Time
Deposit +10.85% YoY, CASA Ratio 53.37%)
• NPL -0.17% YoY to 3.05%
• ROA +0.11% YoY to 2.47%
Source: SPI OJK
Source: SPI OJK
-5
10152025303540
InvestmentLoans WCLoans Consumer Loans
-
5.0
10.0
15.0
20.0
25.0
30.0
YoYGrow
th(%)
LoansGrowth
Result Summary
4
• Net Interest Income at Rp 4.7 tr (+3.5% YoY)• PPOP at Rp 2.0 tr (-4.1% YoY)• LLP at Rp 543 bn (+3.0% YoY)• Net Income at Rp 1.1 tr (-8.0% YoY)
Income Statement
• Total Loans at Rp 70.8 tr (+12.0% YoY)• Total Financing at Rp 5.4 tr (+2.1% YoY)• Total Deposits at Rp 92.3 tr (+18.2% YoY)• Total Asset at Rp 114.2 tr (+12.5% YoY)
Balance Sheet
• NIM at 6.7% (-49 bps YoY)• ROA (Net) at 1.7% (-34 bps YoY)• ROE (Net) at 17.1% (-460 bps YoY)• NPL (Gross) at 1.5% (-20 bps YoY)
Ratios(bank only)
Target vs. Realization
5
(%) Target 3Q’16 4Q’16 1Q’17 2Q’17 3Q’17
Loans Growth 13% -14% 15.7 14.2 13.6 12.9 11.9
Deposit Growth 12% - 13% -5.2 16.1 4.9 15.9 18.6
ROA (net) 1.5% - 2.0% 2.1 1.7 1.8 1.8 1.7
ROE (net) 15% - 20% 21.7 17.6 17.3 17.3 17.1
NIM 6.5% - 7.0% 7.2 7.4 6.5 6.8 6.7
Cost of Fund 5.0% - 5.3% 5.0 4.9 5.3 5.1 5.1
Cost to Income Ratio 60% - 65% 64.1 67.4 68.9 64.2 64.3
Gross NPL 2.0% - 2.5% 1.7 1.7 1.6 1.6 1.5
CASA Ratio 56% - 60% 54.7 46.6 48.7 50.4 46.4
Income Statement
6
Income Statement (Rp bn)
Positioning YoY(%)
YoY3Q’16 3Q’17
Interest Income 7,948 8,511 7.1% 563
Interest Expense 3,449 3,853 11.7% 404
Net Interest Income 4,498 4,658 3.5% 159
Fee Based Income 461 546 18.5% 85
Operating Expense 3,050 3,312 8.6% 261
Gain (Loss) on Financial Statement 144 77 -46.9% (68)
PPOP 2,053 1,969 -4.1% (84)
Loan Loss Provision (528) (543) 3.0% (16)
Non Operating Income (Expense) (50) (59) 19.0% (9)
PBT 1,476 1,366 -7.4% (110)
Tax Expense 312 295 -5.5% (17)
Net Income 1,164 1,071 -8.0% (93)
Balance Sheet
7
Balance Sheet(Rp bn) 3Q’16 4Q’16 1Q’17 2Q’17 3Q’17 YoY
(%)
Cash 1,978 2,215 1,803 3,448 1,789 -9.5%
Current Account with Bank Indonesia
5,109 5,516 5,555 5,675 5,538 8.4%
Secondary Reserves 22,310 22,255 25,442 21,819 26,744 19.9%
Loans - net 62,581 62,755 62,474 67,641 70,297 12.3%
Financing - net 4,833 4,651 4,540 4,700 4,461 -7.7%
Fixed Asset - net 2,451 2,740 2,735 2,862 2,867 17.0%
Other Asset 2,306 2,186 2,216 2,454 2,516 9.1%
Total Asset 101,568 102,318 104,764 108,600 114,213 12.5%
Total Third Party Fund 78,117 78,483 84,391 85,376 92,327 18.2%
Marketable Securities Issued
1,122 2,312 2,312 2,312 2,312 105.9%
Fund Borrowings 7,324 6,541 6,501 6,488 7,765 6.0%
Repo 3,923 2,671 - 2,913 - -
Others 1,428 2,638 2,305 1,781 1,836 28.6%
Total Liabilities 91,915 92,644 95,508 98,871 104,240 13.4%
Total Equity 9,653 9,674 9,257 9,730 9,973 3.3%
Key Ratios (bank only)
8
Key Ratios 3Q’16 4Q’16 1Q’17 2Q’17 3Q’17
Profitability
ROA (net) 2.1 1.7 1.8 1.8 1.7
ROE (net) 21.7 17.6 17.3 17.3 17.1
Cost Ratios
Cost to Income Ratio 64.1 67.4 68.9 64.2 64.3
Expenses Ratio 77.4 82.7 79.1 80.2 80.5
Yield
Asset Yield 12.2 12.3 11.7 11.9 11.8
Cost of Fund 5.0 4.9 5.3 5.1 5.1
NIM 7.2 7.4 6.5 6.8 6.7
LDR 86.3 86.7 80.2 85.9 81.5
Asset Quality
Special Mention Loans 2.3 1.7 2.4 2.8 2.7
Gross NPL 1.7 1.7 1.6 1.6 1.5
Net NPL 0.7 0.7 0.9 0.9 0.9
Coverage Ratio 62.4 61.1 51.2 50.8 49.7
Provision/Total Loans 1.1 1.0 0.8 0.8 0.8
Capital
CAR 18.1 18.4 17.0 16.3 16.4
Loans Breakdown (bank only)
9
Segment (Rp bn) 3Q’16 3Q’17 YoY
(%)
Consumer 42,824 46,776 9.2%
Micro 3,458 4,650 34.5%
Commercial 12,269 14,034 14.4%
Mortgage 4,472 5,077 13.5%
Total Gross Loans 63,023 70,537 11.9%
Currency(Rp bn) 3Q’16 3Q’17 YoY
(%)
IDR 62,622 70,149 12.0%
Forex 401 388 -3.2%
37.2 38.2 39.7 41.4 42.8 44.2 45.1 46.2 46.8
3.6 3.3 3.2 3.4 3.5 3.5 3.8 4.4 4.6
9.2 9.2 7.8 10.8
12.3 10.8 9.2 12.4
14.0
4.5 4.5 4.5
4.5 4.5 4.6 4.7
4.9 5.1
0
10
20
30
40
50
60
70
80
(Rp
tr)
Consumer Micro Commercial Mortgage
Consumer Loans
10
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding 42,824 46,776 9.2%
Net ExpansionYtD
(Rp bn)4,606 2,551 -44.6%
Avg. Loans Outstanding
(Rp mn)111 115 3.5%
No of Account 385,549 406,797 5.5%
Interest Rate 14.50%-16.25% eff. p.a
Asset Quality 3Q’16 3Q’17 YoY(%)
Special Mention 0.70 1.63 +0.93
NPL 0.09 0.24 +0.15
33.7 34.3 35.2 35.8 36.1 36.6 36.6 36.9 37.1
3.6 3.9 4.5 5.6 6.7 7.6 8.5 9.3 9.7
0.11 0.09
0.15
0.10 0.09 0.07 0.08
0.17
0.24
0.0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1.0
0
5
10
15
20
25
30
35
40
45
50
(%)
(Rp
tr)
Civil Servant Loans (LHS) Pensioner Loans (LHS)
NPL (RHS)
Micro Loans
11
Asset Quality 3Q’16 3Q’17 YoY(%)
Special Mention 3.2 1.0 -2.1
NPL 12.2 5.5 -6.6
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding 3,458 4,650 34.5 %
Net ExpansionYtD
(Rp bn)128 1,120 775.1 %
Avg. Loans Outstanding
(Rp mn)100 163 63.4 %
No of Account 34,667 28,533 -17.7 %
Interest Rate* 8.7% - 27.2% eff. p.a.
1.7 1.4
1.2 1.2 1.2 1.3 1.4
1.6 1.8
0.8
0.6 0.5
0.3 0.2 0.2 0.2
0.1 0.1
1.1
1.3 1.5 1.9 2.0 2.0
2.2
2.6 2.7
0.0
5.0
10.0
15.0
20.0
25.0
30.0
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
5.0
(%)
(Rp
tr)
KMU (LHS) Govt Program (LHS)
Others (LHS) NPL (RHS)
Commercial Loans
12
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding 12,269 14,034 14.4 %
Net ExpansionYtD
(Rp bn)3,023 3,202 5.9%
Avg. Loans Outstanding
(Rp mn)1,584 1,830 15.6 %
No of Account 7,747 7,668 -1.0 %
Interest Rate 8.3% -15.5% eff. p.a
Asset Quality 3Q’16 3Q’17 YoY(%)
Special Mention 2.2 2.7 +0.5
NPL 2.9 2.9 -
6.0 6.0 4.7
7.5 9.1
7.7 6.0
8.8
10.6
1.7 1.8
1.8
1.8
1.8
1.8
1.7
1.8
1.6
1.4 1.4
1.4
1.5
1.4
1.4
1.4
1.8
1.8
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
11.0
12.0
13.0
14.0
15.0
-
2.0
4.0
6.0
8.0
10.0
12.0
14.0
16.0
(%)
(Rp
tr)
Working Capital (LHS) Investment (LHS)
Syndicated (LHS) NPL (RHS)
Mortgage Loans
13
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding 4,472 5,077 13.5 %
Net ExpansionYtD
(Rp bn)(35) 520 -
Avg. Loans Outstanding
(Rp mn)229 212 -7.2 %
No of Account 19,545 23,921 22.4 %
Interest Rate 7.0% - 13.5% eff. p.a.
Asset Quality 3Q’16 3Q’17 YoY(%)
Special Mention 16.5 13.8 -2.7
NPL 6.1 6.0 -0.2
4.47 4.51 4.49
4.46 4.47
4.56
4.70
4.89
5.08
-
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
11.0
12.0
13.0
14.0
15.0
4.10
4.20
4.30
4.40
4.50
4.60
4.70
4.80
4.90
5.00
5.10
5.20
(%)
(Rp
tr)
Mortgage Loans (LHS) NPL (RHS)
Deposit Breakdown (bank only)
14
Deposits Breakdown
(Rp bn)3Q’16 3Q’17 YoY
(%)
Current Account 27,252 25,682 -5.8%
Saving Account 12,650 14,461 14.3%
Time Deposit 33,097 46,406 40.2%
TOTAL 72,999 86,550 18.6%
CASA Ratio (%) 54.7 46.4 -8.3
Currency(Rp bn) 3Q’16 3Q’17 YoY
(%)
IDR 72,302 85,998 18.9%
Forex 697 552 -20.9%
29.5
18.6
29.3 26.0 27.3
17.124.8 24.2 25.7
10.2
14.3
11.412.5 12.6
16.8
13.3 15.6 14.5
37.4
29.8
33.8
29.733.1
38.9
40.1 39.246.4
0
10
20
30
40
50
60
70
80
90
100
(Rp
tr)
Current Account Savings Account Time Deposit
15
Special Mention Loans
109 101 151 149 298
184
501 696 761
389 281 234
155
109
75
62
76 47
286
106 109 271
272
227
278
336 377
729
720 723 706
739 579
694 776
702
-
0.5
1.0
1.5
2.0
2.5
3.0
-
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
Spec
ial M
entio
n/To
tal L
oans
(%)
Abso
lute
Spe
cial M
entio
n Lo
ans (
Rp b
n)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
7 8 12 12
21 17
33 37 40 26 23
19 12
8 7
4 4
3 19
9 9 21 19
21
18 18
20
48 60 59
55 52 54 45
41 37
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Spec
ial M
entio
n Co
ntrib
utio
n (%
)
Consumer Micro Commercial Mortgage
Absolute Non Performing Loans
16
40 34 58 40 39 31 37 81 113
968
754 674 488 421
338 287 278 257
567
526 463
378 355
362 378 381 403
340
298
373
311 274
335 315 326 302
-
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
-
500
1,000
1,500
2,000
2,500
Non
Per
form
ing
Loan
/Tot
al L
oans
(%)
Abso
lute
Non
Per
form
ing
Loan
s (Rp
bn)
Consumer (LHS) Micro (LHS) Commercial (LHS)
Mortgage (LHS) % to Loans (RHS)
2 2 4 3 4 3 4 8 11
51 47 43
40 39 32 28
26 24
30 33
30 31 33
34 37 36 37
18 18 24 26 25
31 31
31 28
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
NPL
Con
tribu
tion
(%)
Consumer Micro Commercial Mortgage
Yield Analysis
17
Asset Yield(%)
3Q’16 3Q’17
Placement to Bank Indonesia 1.7 2.4
Interbank Placement 3.3 3.3
Securities 7.2 6.9
Loans Yield 14.7 14.3
Others - -
Cost of Fund(%) 3Q’16 3Q’17
Interbank Liabilities 5.2 4.8 Securities 9.0 9.7
Deposits From Customers 4.8 4.9
Current Account 2.0 1.8
Time Deposit 7.9 7.4
Savings Account 1.6 1.6 Loans received 5.2 5.4
Placement to BI
10.6% Interbank Placement
2.3%
Marketable Securities
12.7%
Loans72.9%
Others1.4%
Current Account26.9%
Savings Account15.1%
Time Deposit48.5%
Interbank Lending7.0%
Bonds2.4%
Capital Adequacy
18
Risk Weighted Asset (RWA)
3Q’16 3Q’17 YoY(%)
Total RWA 46,108 52,760 14.4 %
Credit Risk 36,299 42,730 17.7 %
Operational Risk 9,157 9,157 -
Market Risk 652 873 34.0 %
RWA/Total Asset 48.2% 49.0% +0.8%
tier-1 7,901 8,097 2.5 %
tier -2 454 534 17.7 %
Total Capital 8,355 8,631 3.3 %
Tier-1 CAR 17.1% 15.3% -1.8%
Total CAR 18.1% 16.4% -1.8%
CAR Analysis RiskWeighting
Addition to RWA/
Rp1tr Net Expansion
Net Impact to CAR
(%)
Consumer Loans 50% Rp 500bn 0.15
Micro Loans 75% Rp 750bn 0.23
Commercial Loans 100% Rp 1tr 0.30
Mortgage Loans 40% Rp 400bn 0.12
•Total Capital to Rp 8.6 tr ( Rp 276 bn YoY)
• Total CAR at 16.4% (-176 bps YoY)
Civil Servant Loans
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding 36,113 37,106 2.7 %
Net ExpansionYtD
(Rp bn)1,805 518 -71.3 %
Avg. Loans Outstanding(Rp mn)
110 112 1.6 %
No of Account 328,606 332,356 1.1 %
Median Interest Rate 14.50%-16.25% eff. p.a
AssetQuality 3Q’16 3Q’17 YoY
SpecialMention
0.76 1.82 +1.06
NPL 0.09 0.27 +0.18
20
33.7
34.3
35.2
35.8
36.1
36.6
36.6
36.9
37.1
0.11
0.08
0.11
0.09
0.09
0.07
0.08
0.19
0.27
0.0
0.1
0.2
0.3
0.4
0.5
0
5
10
15
20
25
30
35
40
(%)
(Rp
tr)
Civil Servant Loans (LHS) NPL (RHS)
Pensioner Loans
Key Indicators 3Q’16 3Q’17 YoY(%)
Loans Outstanding
6,710 9,670 44.1 %
Net ExpansionYtD
(Rp bn)2,801 2,033 -27.4 %
Avg. Loans Outstanding
(Rp mn)118 130 10.2 %
No of Account 56,943 74,441 30.7 %
Median Interest Rate 14.50%-18.48% eff. p.a
AssetQuality 3Q’16 3Q’17 YoY
SpecialMention
0.36 0.89 +0.53
NPL 0.10 0.15 +0.05
21
3,556 3,909
4,494 5,643
6,710 7,637
8,470 9,291
9,670
0.12
0.12
0.44
0.11
0.10
0.08
0.09
0.10
0.15
0.0
0.1
0.2
0.3
0.4
0.5
0
2,000
4,000
6,000
8,000
10,000
12,000
(%)
(Rp
tr)
Pensioner Loans (LHS) NPL (RHS)
Result Summary
23
• Net Financing Income at Rp 267bn (+7.3% YoY)• Operating Expenses at Rp 682 bn (-51.1% YoY)• Net Loss at Rp 223 bn (-5.8% YoY)
Income Statement
• Total Financing at Rp 5.4 tr (+2.1% YoY)• Total Deposit at Rp 5.6 tr (+13.0% YoY)• Total Asset at Rp 7.4 tr (+7.3% YoY)
Balance Sheet
• NIM at 4.8% (-25bps YoY)• ROA at -5.3% (-84bps YoY)• ROE at -42.6% (-644bps YoY)• NPF Gross at 19.2%( +673bps YoY)
Ratios
Key Ratios
24
Sharia(%)
3Q’16 3Q’17 YoY
CAR 23.1% 13.1% -10.0%
NPF Gross 12.5% 19.2% +6.7%
NPF Nett 4.1% 2.1% -2.0%
ROA -6.2% -5.3% +0.9%
ROE -36.1% -42.6% -6.5%
BOPO 118.7% 132.5% +13.8%
FDR 107.4% 97.1% -10.3%
NIM 5.0% 4.8% -0.2%
Income Statement
25
Income Statement(Rp mn)
3Q’16 3Q’17 YoY(%)
Financing Income 541,121 563,747 4.2%
Financing Expense 292,021 296,508 1.5%
Net Financing Income 249,100 267,239 7.3%
Other Operating Income 833,689 117,612 -85.9%
Operating Expense 1,393,938 681,819 -51.1%
Operating Income (311,149) (296,968) -4.6%
Non Operating Income (Expense) 885 4,412 398.5%
Income (Loss) Before Tax (310,264) (292,556) -5.7%
Tax Expense 73,134 69,064 -5.6%
Net Loss (237,130) (223,492) -5.8%
Balance Sheet
26
BS highlight(Rp Mn) 3Q’16 3Q’17 YoY
(%)
Cash 42,763 45,355 6.1%
Current Account with Bank Indonesia 271,578 303,795 11.9%
Secondary Reserves 1,375,843 1,957,330 42.3%
Financing-net 4,832,860 4,461,498 -7.7%
Fixed Asset-net 171,283 274,411 60.2%
Other Asset 240,424 395,362 64.4%
Total Asset 6,934,751 7,437,751 7.3%
Total Third Party Fund 4,940,247 5,581,203 13.0%
Fund Borrowings 362,427 640,016 76.6%
Others 578,863 484,844 -16.2%
Total Liabilities 5,881,537 6,706,063 14.0%
Total Equity 1,053,214 731,688 -30.5%
Sharia Performance
27
Financing(Rp mn) 3Q’16 3Q’17 YoY
(%)
Murabahah (Trading) 4,134,601 4,364,803 5.6%
Qardh (Bridging) 67,518 65,359 -3.2%
Financing 1,089,160 971,865 -10.8%
Istishna (Pawning) 2,194 2,186 -0.4%
Total Gross Financing 5,293,473 5,404,213 2.1%
Funding(Rp mn) 3Q’16 3Q’17 YoY
(%)
Wadiah Current Account 104,898 110,900 5.7%
Wadiah Savings Account 175,888 172,823 -1.7%
Mudharabah Current Account 226,253 224,975 -0.6%
Mudharabah Savings Account 539,791 596,271 10.5%
Mudharabah Time Deposit 3,893,417 4,476,235 15.0%
Total Funding 4,940,248 5,581,203 13.0%
Distribution Network
Total bjb employees7,712
Total bjb customers4,395,160
BantenDeposits 12.3 TrLoans 9.9 TrMicro Loans 439 bnProfit 730 bn889,184 Customers8 Branch Offices45 Sub Branches61 Cash Offices43 Payment Point230 ATM Unit780 Employees
West JavaDeposits 51.1 TrLoans 44.6 TrMicro Loans 2.2 TrProfit West Java 2.8 TrLoss Head Oficce 2.5 Tr3,299,668 Customers35 Branch Offices191 Sub Branch265 Cash Offices105 Payment Point898 ATM Unit5,943 Employees
OthersDeposits 2.4 TrLoans 6.7 TrMicro Loans 1.38 TrProfit 205.8 bn74,080 Customers13 Branch Offices13 Sub Branch Offices
7 Cash Offices96 ATM Unit442 Employees
JakartaDeposits 20.8 TrLoans 9.3 TrMicro Loans 607 bnProfit 392 bn132,228 Customers9 Branch Offices60 Sub Branches5 Cash Offices1 Payment Point116 ATM Unit 547 Employees
29
Branch Network Details
30
No bjb Network 3Q’16 3Q’17 YoY
1 Branch 63 65 +2
2 Sub Branch 311 309 -2
3 Cash Offices 331 338 +7
4 Payment Point 138 149 +11
5 ATM 1,211 1,340 +129
6 Layanan bjb Precious 11 11 -
7 MSME Center 6 6 -
8 Mobile Cash 12 11 -1
9 Weekend Banking 11 11 -
10 Forex Branches 47 47 -
11 Branchless Banking - 690 690
Total 2,141 2,287 +146
31
Human Capital
Age Breakdown
Educational BreakdownLevel 3Q’16 3Q’17 YoY
Board of Commissioners 5 5 -
Directors 7 6 -1
Top Management 42 38 -4
Middle Management 346 363 +17
First Line Management 1,778 1,830 +52
Staff 5,344 5,464 +120
Employee in Pension Preparation 10 17 +7
Total Permanent 7,532 7,723 +191
SDM 475 528 +53
Up To Bachelor
Degree 94%
Master of Doctorate 6%
18-3064%
31-40 28%
41-506%
>50 2%
32
Ownership
Ownership Structure 3Q16 3Q17
Founder (A Series) 75.00 75.00
West Java Provincial Government 38,26 38.26
West Java Municipal Governments 23,61 23.61
Banten Provincial Government 5,37 5.37
Banten Municipal Governments 7,76 7.76
Public (B Series) 25,00 25.00
Local Retail 3.66 6.34
Local Institution 8.91 14.22
Foreign Retail 0.02 0.15
Foreign Institution 12.41 4.29
33
2017 Awards
Brand Finance & SWA –“TOP 100 Best Valuable
Indonesian Brands”
Business News –“TOP BUMD 2017 Best Over All”
Business News –“TOP BPD 2017”
Business News –“TOP CEO 2017”
SWA – “Indonesia Best Public Companies 2017 (Rank 4th &
Rank 9th Overall)”
SWA –“Indonesia Original Brand 2017
(Rank 1st)”
Indohousing – “Most Excellent Service Performance Bank
for Housing Loan Program”
Infobank – “Titanium Trophy Bank dengan Kinerja Keuangan
Sangat Baik Selama Tahun 2016”
Markplus – “Silver Champion Bandung WOW Service
Excellence Award 2017 (Buku III)”
34
2017 Awards
Annual Report Award Tahun Buku 2016 –
“Annual Report Award Tahun Buku 2016 (Rank
1st )
Bisnis Indonesia Financial Award 2017 –
“The Best Performing Bank”
Koran SINDO –“Apresiasi Inovasi”
Forbes Indonesia - Best of the Best Awards 2017 TOP 50 Companies (Rank 18th)
SWA – “The Indonesian Living Legend Companies”
PR Indonesia –“Best Communicators 2017”
Tempo – “The Best Bank in Retail Banking Services”
Tempo – “The Most Efficient Bank” Tempo – “The Most Reliable Bank”
35
2017 Awards
Tribute From West Java Province –“CSR Partner”
Ministry of Finance –Best Tax Contribution 2016
Excellence Service Experience Awards (ESEA) 2017 -
“Regular Banking Category”
Galamedia Awards 2017 –“Housing Tax Initiative”
AAEI & CSA Intitute –“One of The Best Stock for
Yuk Nabung Saham Program 2017”
Contact Center Service Excellence Awards 2017 –
“Best Call Center Regular Banking”
Markplus.Inc Awards –“Mr. Ahmad Irfan as
Marketing Champion 2017”
Markplus.Inc Awards –“Mr. Ahmad Irfan as Marketeer
of The Year 2017”
36
Share Price Performance
Investor Relations GroupMenara bank bjb 7th Floor
Jl. Naripan 12 – 14Bandung 40111+6222 4234868
ext 7140/[email protected]
Contact Person:Muhammad As’adi BudimanDeputy Corporate [email protected]
Sani Ikhsan MaulanaIR Head
Anjas Septa LesmanaSenior Officer
Siti Khairina WahyujatiOfficer
Trifani RahayuStaff
Farizzaka PutraStaff
Source: Bloomberg
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Menara bank bjbJl. Naripan 12 – 147th FloorBandung 40111Telp. +6222 4234868
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