2020

Portfolio & Booking Mix

Region II Sumatera – 31 Mei 2020
Retail Credit SME Banking Mortgage Micro Banking Credit Card

Region Sumatera 2 Palembang 2

Portfolio Mix - SME
s.d Mei 2020

2019

14.24%
30.49%

22.54%

10.02%
1.84%
20.88%

2020

14.44%
13.97%
33.24%
“ s.d Mei 2020 Portfolio Mix SME didominasi oleh debitur Prima 35.08%
17.32%
dengan baki debet sebesar 1,2 T atau sebesar 35,08 % dari total baki 17.57%
debet SME sebesar 3,4 T. “
18.88% 14.58%
18.06%
1.54%
13.52%
1.79%

Prima Value Chain Koperasi NTB ETB KAD

Region Sumatera 2 Palembang 3

Booking Mix - SME
s.d Mei 2020

2019

11.17%
2.13%
3.05% 28.74%
0.67%

54.24%

2020

14.44%
8.43%
18.84%
33.24%
“ s.d Mei 2020 (YtD) Booking Mix SME didominasi oleh debitur Value 2.73%
17.32%
Chain dengan baki debet sebesar 619 M atau sebesar 65,14% dari
3.89%
total baki debet yang di booking sebesar 950 M.“ 0.98%

18.88% 14.58%
1.54%
65.14%

Prima Value Chain Koperasi NTB ETB KAD

Region Sumatera 2 Palembang 4

 Non Performing Loan (NPL) - SME
s.d Mei 2020

History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20 “ s.d Mei 2020 NPL SME secara
TOTAL 2.51% 1.89% 4.62% 3.93% 3.42% 0.91% persentase sebesar 3,42 % memburuk
Prima 0.02% 0.20% 0.29% 0.11% 0.04% 0.02% secara YoY dan YtD. Perlu perhatian untuk
Value Chain 1.82% 1.35% 2.98% 2.93% 2.91% 1.09% % NPL di New to Bank (NTB) dan Eksisting
Koperasi 0.14% 0.13% 0.26% 0.26% 0.38% 0.25% to Bank (ETB) karena masing-masing
NTB 3.89% 6.24% 12.75% 10.42% 10.46% 6.57% %NPL masih cukup besar yaitu sebesar
ETB 6.70% 2.54% 9.15% 8.77% 6.36% -0.34% 10,46% dan 6,36% “
KAD 0.00% 0.00% 0.00% 0.19% 0.00% 0.00%

13.81%

10.46%
9.52%

6.68% 6.24% 6.36%

6.18% 4.53%
2.54% 2.91%
3.82%
1.35%
0.00% 0.00%

Prima VC Koperasi NTB ETB KAD

Region Sumatera 2 Palembang 6

Retail Credit SME Banking Mortgage Micro Banking Credit Card
 Portfolio New Mix - Mortgage
s.d Mei 2020

History Realisasi 2019

Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 3,077,031 3,036,478 2,956,697 2,930,846 2,908,672 (168,359)
Employee Payroll 529,137 657,315 671,487 671,017 667,398 138,260 13.59% 17.20%
% Port Mix 17.20% 21.65% 22.71% 22.89% 22.95% 5.75%
Emp Non Payroll & Prof 1,375,237 1,287,618 1,258,204 1,251,584 1,248,044 (127,193) 15.10%
% Port Mix 44.69% 42.40% 42.55% 42.70% 42.91% -1.79%
SE - Priority 289,909 248,300 227,094 223,768 220,704 (69,205)
9.42%
% Port Mix 9.42% 8.18% 7.68% 7.63% 7.59% -1.83%
44.69%
SE - Regular - KPR Primary 464,482 465,070 452,214 444,594 439,012 (25,470)
% Port Mix 15.10% 15.32% 15.29% 15.17% 15.09% 0.00%
SE - Regular - KPR Secondary - Multiguna 418,266 378,174 347,697 339,884 333,515 (84,751)
% Port Mix 13.59% 12.45% 11.76% 11.60% 11.47% -2.13%
2020

11.47%
22.95%
“ s.d Mei 2020 Portfolio Mix Mortgage didominasi oleh debitur
15.09%
Employee Non Payroll & Prof dengan baki debet sebesar 1,2 T atau
sebesar 42,91 % dari total baki debet Mortgage sebesar 2,9 T. “ 7.59%
14.18% 15.74%
42.91%
Employee Payroll

15.56% Emp Non Payroll - Prof

SE - Priority
SE - Regular - KPR Primary
10.38%
44.14% SE - Regular - KPR Secondary - Multiguna

* Data di luar Portfolio KKP Region Sumatera 2 Palembang 8

Booking New Mix - Mortgage
s.d Mei 2020

History Realisasi 2019

Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 212,658 519,203 81,341 99,099 112,699 (82,053)
Employee Payroll 48,750 126,117 22,559 26,237 28,722 (20,029) 3.15%
% Booking Mix 22.92% 24.29% 27.73% 26.48% 25.49% 2.56% 12.95% 22.92%
Emp Non Payroll & Prof 129,670 288,970 44,255 56,182 67,297 (62,373) 0.00%
% Booking Mix 60.98% 11 55.66% 54.41% 56.69% 59.71% -1.26%
SE - Priority - 1,000 349 349 349 349
% Booking Mix 0.00% 0.19% 0.43% 0.35% 0.31% 0.31%
SE - Regular - KPR Primary 27,549 81,145 12,512 12,906 12,906 (14,643)
% Booking Mix 12.95% 15.63% 15.38% 13.02% 11.45% -1.50% 60.98%
SE - Regular - KPR Secondary - Multiguna 6,689 21,971 1,667 3,425 3,425 (3,264)
% Booking Mix 3.15% 4.23% 2.05% 3.46% 3.04% -0.11%

2020

3.04%
11.45%
0.31% 25.49%
“ s.d Mei 2020 (YtD) Booking Mix Mortgage didominasi oleh debitur
Employee Non Payroll & Prof dengan baki debet sebesar 67,3 M
atau sebesar 59,71 % dari total baki debet Mortgage yang
dibooking sebesar 112,7 M. “ 14.18% 15.74%
59.71%
Employee Payroll

15.56% Emp Non Payroll - Prof

SE - Priority
SE - Regular - KPR Primary
10.38%
44.14% SE - Regular - KPR Secondary - Multiguna

* Data di luar Portfolio KKP Region Sumatera 2 Palembang 9

Non Performing Loan (NPL) - Mortgage
s.d Mei 2020

“ s.d Mei 2020 NPL Mortgage secara persentase sebesar 5,00 % memburuk secara YoY & YtD. Perlu
perhatian untuk % NPL di SE – Regular-KPR Secondary-Multiguna sebesar 15,88% dan SE- Regular-KPR
Primary sebesar 7,76%.

History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 4.11% 4.28% 4.77% 4.77% 5.00% 0.89%
Employee Payroll 0.55% 0.64% 1.15% 0.96% 1.17% 0.63%
Emp Non Payroll & Prof 2.68% 2.55% 3.02% 3.14% 3.70% 1.02%
SE - Priority 4.11% 4.31% 1.95% 1.97% 2.00% -2.10%
SE - Regular - KPR Primary 5.51% 6.33% 7.29% 7.71% 7.76% 2.24%
SE - Regular - KPR Secondary - Multiguna 11.80% 13.91% 16.68% 16.24% 15.88% 4.08%

* Data di luar Portfolio KKP

Region Sumatera 2 Palembang 10

Kolektibilitas 2 - Mortgage
s.d Mei 2020

“ s.d Mei 2020 Kol 2 Mortgage secara persentase sebesar 9,34 % memburuk secara YoY & YtD. Perlu
perhatian untuk % NPL di SE – Priority sebesar 12,88%.

Bade Kol 2
History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 322,670 318,738 336,568 387,832 271,587 (51,083)
Employee Payroll 23,052 32,761 32,488 34,079 30,254 7,202
Emp Non Payroll & Prof 146,170 136,638 152,751 186,977 129,350 (16,820)
SE - Priority 22,597 19,632 42,894 36,787 28,427 5,830
SE - Regular - KPR Primary 75,112 66,774 60,759 71,589 53,445 (21,667)
SE - Regular - KPR Secondary - Multiguna 55,738 62,933 47,675 58,400 30,111 (25,627)

% Kol 2
History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 10.49% 10.50% 11.38% 13.23% 9.34% -1.15%
Employee Payroll 4.36% 4.98% 4.84% 5.08% 4.53% 0.18%
Emp Non Payroll & Prof 10.63% 10.61% 12.14% 14.94% 10.36% -0.26%
SE - Priority 7.79% 7.91% 18.89% 16.44% 12.88% 5.09%
SE - Regular - KPR Primary 16.17% 14.36% 13.44% 16.10% 12.17% -4.00%
SE - Regular - KPR Secondary - Multiguna 13.33% 16.64% 13.71% 17.18% 9.03% -4.30%

* Data di luar Portfolio KKP

Region Sumatera 2 Palembang 11

Retail Credit SME Banking Mortgage Micro Banking Credit Card
Portfolio New Mix – New KSM
s.d Mei 2020

“ s.d Mei 2020 Portfolio Mix New KSM didominasi oleh debitur Government Payroll dengan baki debet
sebesar 2,25 T atau sebesar 30,14 % dari total baki debet New KSM sebesar 7,5 T. “
History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 7,035,456 7,840,737 7,756,398 7,612,516 7,480,585 445,130
GOVERNMENT PAYROLL 2,484,904 2,317,687 2,323,222 2,287,985 2,254,337 (230,568)
% Port Mix 35.32% 29.56% 29.95% 30.06% 30.14% -5.18%
GOVERNMENT NON PAYROLL 2,240,918 2,433,501 2,333,273 2,288,620 2,252,902 11,984
% Port Mix 31.85% 31.04% 30.08% 30.06% 30.12% -1.74%
SELECTED SWASTA B2B PAYROLL 1,050,372 1,641,850 1,790,147 1,760,532 1,730,390 680,018
% Port Mix 14.93% 20.94% 23.08% 23.13% 23.13% 8.20%
NON SELECTED SWASTA B2B PAYROLL INCOME ≥ Rp. 4 Juta 374,162 598,530 539,108 526,389 514,410 140,248
% Port Mix 5.32% 7.63% 6.95% 6.91% 6.88% 1.56%
SWASTA B2C Payroll Plafond 557,592 519,137 467,089 455,491 444,018 (113,574)
% Port Mix 7.93% 6.62% 6.02% 5.98% 5.94% -1.99%
NON SELECTED SWASTA B2B PAYROLL INCOME < Rp. 4 Juta 215,430 248,284 234,848 228,189 222,041 6,612
% Port Mix 3.06% 3.17% 3.03% 3.00% 2.97% -0.09%
SWASTA B2C PAYROLL NON PLAFOND / NON PAYROLL 112,077 81,748 68,712 65,310 62,487 (49,590)
% Port Mix 1.59% 1.04% 0.89% 0.86% 0.84% -0.76%

1 2 3 4 5 6 7

Region Sumatera 2 Palembang 13

Booking New Mix – New KSM
s.d Mei 2020

“ s.d Mei 2020 Portfolio Mix New KSM didominasi oleh debitur Government Payroll dengan baki debet
yang dibooking sebesar 185,3 M atau sebesar 31,44 % dari total baki debet New KSM yang dibooking
sebesar 589,4 M. “
History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 1,410,984 3,955,687 588,058 589,364 589,364 (821,620)
GOVERNMENT PAYROLL 558,232 1,531,634 184,412 185,318 185,318 (372,913)
% Port Mix 39.56% 38.72% 31.36% 31.44% 31.44% -8.12%
GOVERNMENT NON PAYROLL 341,828 1,075,609 137,674 137,674 137,674 (204,154)
% Port Mix 24.23% 27.19% 23.41% 23.36% 23.36% -0.87%
Jan-00
SELECTED SWASTA B2B PAYROLL 309,248 872,099 180,649 181,049 181,049 (128,199)
% Port Mix 21.92% 22.05% 30.72% 30.72% 30.72% 8.80%
NON SELECTED SWASTA B2B PAYROLL INCOME ≥ Rp. 4 Juta 142,137 342,833 58,034 58,034 58,034 (84,103)
% Port Mix 10.07% 8.67% 9.87% 9.85% 9.85% -0.23%
SWASTA B2C Payroll Plafond - - - - - -
% Port Mix 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NON SELECTED SWASTA B2B PAYROLL INCOME < Rp. 4 Juta 58,315 128,333 26,839 26,839 26,839 (31,476)
% Port Mix 4.13% 3.24% 4.56% 4.55% 4.55% 0.42%
SWASTA B2C PAYROLL NON PLAFOND / NON PAYROLL 1,225 5,178 450 450 450 (775)
% Port Mix 0.09% 0.13% 0.08% 0.08% 0.08% -0.01%

1 2 3 4 5 6 7

Region Sumatera 2 Palembang 14

Booking New Mix – New KSM
s.d Mei 2020
“ s.d Mei 2020 NPL New KSM secara persentase sebesar 1,37 % memburuk secara YoY. Perlu perhatian
untuk % NPL di Non Selected Swasta B2B Payroll Income ≥ Rp. 4 juta karena %NPL sebesar 5,36% .

History Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 0.63% 0.79% 1.05% 1.10% 1.37% 0.74%
GOVERNMENT PAYROLL 0.17% 0.31% 0.43% 0.40% 0.52% 0.35%
GOVERNMENT NON PAYROLL 0.22% 0.20% 0.27% 0.35% 0.41% 0.20%
0.00%
SELECTED SWASTA B2B PAYROLL 0.69% 0.97% 1.27% 1.39% 1.48% 0.79%
NON SELECTED SWASTA B2B PAYROLL INCOME ≥ Rp. 4 Juta 1.84% 2.00% 3.48% 3.61% 5.36% 3.52%
SWASTA B2C Payroll Plafond 2.58% 2.36% 2.84% 3.00% 3.48% 0.90%
NON SELECTED SWASTA B2B PAYROLL INCOME < Rp. 4 Juta 1.81% 3.27% 3.50% 3.34% 4.58% 2.77%
SWASTA B2C PAYROLL NON PLAFOND / NON PAYROLL 2.65% 2.45% 3.11% 3.24% 4.10% 1.45%

1 2 3 4 5 6 7

Region Sumatera 2 Palembang 15

Portfolio New Mix – KUM
s.d Mei 2020

“ s.d Mei 2020 Portfolio Mix KUM didominasi oleh debitur KUM ETB dengan baki debet sebesar 1,22 T
atau sebesar 66,89 % dari total baki debet KUM sebesar 1,8 T. “

Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 1,995,203 2,010,759 1,952,980 1,878,576 1,817,049 (148,800)
KUM NTB (New - Kawan Lama - Take Over) 796,694 711,586 657,154 627,017 601,655 (200,447)
% Port Mix 39.93% 35.39% 33.65% 33.38% 33.11% -7.69%
KUM ETB (Ex KUR - Refill - Top Up) 1,198,509 1,299,173 1,295,826 1,251,559 1,215,394 51,647
% Port Mix 60.07% 64.61% 66.35% 66.62% 66.89% 7.69%

Region Sumatera 2 Palembang 16

Booking New Mix – KUM
s.d Mei 2020

“ s.d Mei 2020 Portfolio Mix KUM didominasi oleh debitur KUM ETB dengan baki debet yang dibooking
sebesar 212,5 M atau sebesar 72,03 % dari total baki debet KUM yang dibooking sebesar 295,0 M. “

Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 660,780 1,759,891 294,972 295,047 295,047 (221,375)
KUM NTB (New - Kawan Lama - Take Over) 210,465 539,283 82,527 82,527 82,527 (82,229)
% Port Mix 31.85% 30.64% 27.98% 27.97% 27.97% -3.93%
KUM ETB (Ex KUR - Refill - Top Up) 450,315 1,220,608 212,444 212,519 212,519 (139,146)
% Port Mix 68.15% 69.36% 72.02% 72.03% 72.03% 3.93%

Region Sumatera 2 Palembang 17

Booking New Mix – KUM
s.d Mei 2020

“ s.d Mei 2020 NPL KUM secara persentase sebesar 2,73 % memburuk secara YoY. Perlu perhatian untuk
% NPL di KUM NTB karena %NPL sebesar 3,84% .

Realisasi
Keterangan YoY
May-19 Dec-19 Mar-20 Apr-20 May-20
TOTAL 2.14% 2.02% 2.53% 3.05% 2.73% 0.66%0
KUM NTB (New - Kawan Lama - Take Over) 2.73% 2.69% 3.58% 4.34% 3.84% 1.21%
KUM ETB (Ex KUR - Refill - Top Up) 1.75% 1.65% 2.00% 2.40% 2.18% 0.50%

Region Sumatera 2 Palembang 18