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Strengthening the Foundation IDX:BJBR

Laporan Tahunan 2014 Annual Report

DAFTAR ISI Contents 40

PENDAHULUAN ,1752'8&7,21 STRENGTHENING THE FOUNDATION

1

• PERJALANAN MENJADI BANK NASIONAL YANG KOKOH  -RXUQH\7R%HFRPH$6ROLG1DWLRQDO%DQN

2

• Ikhtisar Kinerja  3HUIRUPDQFH+LJKOLJKWV

4

• Ikhtisar Keuangan  )LQDQFLDO+LJKOLJKWV

6

• Peristiwa Penting 2014  6LJQLÀFDQW(YHQWV

8

‡ 3HQJKDUJDDQ 6HUWLÀNDVL  $ZDUGV &HUWLÀFDWLRQ LAPORAN MANAJEMEN 0$1$*(0(175(3257

90

‡ 3URÀO'LUHNVL  %RDUGRI'LUHFWRUV3URÀOH

68

‡ 3URÀO .RPSRVLVL.DU\DZDQ  3URÀOH (PSOR\HH&RPSRVLWLRQ



• Lembaga Penunjang Efek  6XSSRUWLQJ6HFXULW\,QVWLWXWLRQV



IKHTISAR SAHAM & OBLIGASI 672&. 2%/,*$7,21+,*+/,*+76

76

• ,NKWLVDU6DKDP 2EOLJDVL  6WRFN 2EOLJDWLRQ+LJKOLJKWV



• ,QIRUPDVLEDJL,QYHVWRU  ,QIRUPDWLRQIRU,QYHVWRUV



10

12

ANALISA & PEMBAHASAN ATAS KINERJA PERSEROAN 0$1$*(0(17',6&866,21 $1$/<6,6 21&203$1<3(5)250$1&(

90



• Laporan Dewan Komisaris  5HSRUWIURPWKH%RDUGRI&RPPLVVLRQHUV

14

• Tinjauan Rencana, Kebijakan dan Strategi Pengembangan Usaha  5HYLHZRI%XVLQHVV'HYHORSPHQW3ODQ3ROLF\DQG6WUDWHJ\

22

TINJAUAN BISNIS & INDUSTRI %86,1(66 ,1'8675<5(9,(:

100

• Laporan Direktur Utama  5HSRUWIURPWKH3UHVLGHQW'LUHFWRU

36

• Konsumer  &RQVXPHU

110

• Tanggung Jawab Pelaporan Tahunan 2014 Responsibility for 2014 Annual Reporting

• bjb Precious bjb Precious

128

PROFIL PERUSAHAAN &203$1<352),/(

40 42

• Korporasi & Komersial  &RUSRUDWH &RPPHUFLDO

136

• Informasi Umum Perusahaan  &RPSDQ\*HQHUDO,QIRUPDWLRQ

43

• Mikro  0LFUR

144

• Sekilas bank bjb bank bjb in Brief

46

• Internasional & Treasuri International & Treasury

154

• Tonggak Sejarah Milestones

52

• KPR & Mortgage  0RUWJDJH )LQDQFLDO+RXVLQJ

168

• Visi & Misi Vision & Mission

53

• Tinjauan Anak Perusahaan  6XEVLGLDU\3HUIRUPDQFH5HYLHZ

180

• Nilai-Nilai Perusahaan Corporate Values

54

• %LVQLV6\DULDK  6KDULD%XVLQHVV

180

• Bidang Usaha Line of Business

56

‡ 3'%35/3.*DUXW.RWD  3'%35/3.*DUXW.RWD

184

• Struktur Kepemilikan & Grup Perusahaan  &RPSDQ\2ZQHUVKLS *URXS6WUXFWXUH

58

‡ 3'%35/3.-DODQFDJDN  3'%35/3.-DODQFDJDN

188

• Daftar Entitas Anak dan Entitas Asosiasi  /LVW6XEVLGLDULHVDQG$VVRFLDWLRQ(QWLWLHV • Jaringan Operasi & Layanan  2SHUDWLRQ1HWZRUN 6HUYLFHV

60

• Struktur Organisasi  2UJDQL]DWLRQ6WUXFWXUH

62

• 3URÀO'HZDQ.RPLVDULV  %RDUGRI&RPPLVLRQHUV3URÀOH

64

• Rencana Terhadap Anak Perusahaan dan Perusahaan Asosiasi Ke Depan/7KH)XWXUH3ODQIRU6XEVLGLDULHV  DQG$VVRFLDWHG&RPSDQLHV



• Aspek Pemasaran  0DUNHWLQJ$VSHFW



248

TINJAUAN KEUANGAN FINANCIAL REVIEW

202

• Perekonomian Indonesia Tahun 2014 Indonesian Economy in 2014

203

• Kinerja Umum 2014 General Performance in 2014

206

• Tinjauan Laba Rugi  3URÀW/RVV5HYLHZ

208

• Informasi Keuangan Material Lainnya  2WKHU0DWHULDO)LQDQFLDO,QIRUPDWLRQ

225

408

• Sekretaris Dewan Komisaris  6HFUHWDU\RI7KH%RDUGRI&RPPLVVLRQHUV

486

• Direksi  %RDUGRI'LUHFWRUV

488

• Komite Di Bawah Koordinasi Direksi  &RPPLWWHHV8QGHUWKH&RRUGLQDWLRQRIWKH%RDUGRI'LUHFWRUV

506

• Sekretaris Perusahaan  &RUSRUDWH6HFUHWDU\

518

• Kepatuhan Compliance

521

• Audit Internal  ([WHUQDO$XGLW

540

• Audit Eksternal  ,QWHUQDO$XGLW

548

• Sistem Pengendalian Internal  ,QWHUQDO&RQWURO6\VWHP

549

• Perkara Hukum  /HJDO&DVHV

554

‡ .HELMDNDQDWDV6WUXNWXU0RGDO  3ROLF\RQ&DSLWDO6WUXFWXUH

226

‡ ,NDWDQ0DWHULDOXQWXN,QYHVWDVL%DUDQJ0RGDO  0DWHULDO&RPPLWPHQWVIRU,QYHVWPHQWLQ&DSLWDO*RRGV

229

‡ 3HUXEDKDQ3HQWLQJ\DQJ7HUMDGLGL%DQN  0DWHULDO&KDQJHVWKDW2FFXUHGLQWKH%DQN

230

‡ ,QIRUPDVLGDQ)DNWD0DWHULDO\DQJ7HUMDGL  6HWHODK7DQJJDO/DSRUDQ$NXQWDQ  0DWHULDO)DFWDQG,QIRUPDWLRQ6XEVHTXHQWWR5HSRUWLQJ'DWH

231

‡ 3URJUDP.HSHPLOLNDQ6DKDPROHK.DU\DZDQGDQ0DQDMHPHQ  (PSOR\HHDQG0DQDJHPHQW6WRFN2ZQHUVKLS3URJUDP

232

• Akses Informasi Data Perusahaan  $FFHVVWR&RPSDQ\,QIRUPDWLRQ

556

‡ 3HQJJXQDDQ'DQD3HQDZDUDQ8PXP  8WLOL]DWLRQRI3XEOLF2IIHULQJ)XQGV

233

• Kode Etik  &RGHRI&RQGXFW

578

‡ ,QIRUPDVL7UDQVDNVL0DWHULDO\DQJ0HQJDQGXQJ%HQWXUDQ  .HSHQWLQJDQ  ,QIRUPDWLRQRQ0DWHULDO7UDQVDFWLRQZLWK&RQÁLFWVRI,QWHUHVW

233

• Budaya Perusahaan  &RUSRUDWH&XOWXUH

582

237

• Whistleblowing System  :KLVWOHEORZLQJ6\VWHP

587

‡ 3HUXEDKDQ3HUDWXUDQ3HUXQGDQJXQGDQJDQGDQ'DPSDNQ\D  &KDQJHVLQWKH/HJLVODWLRQVDQGWKH,PSDFWV

240

TANGGUNG JAWAB SOSIAL PERUSAHAAN &RUSRUDWH6RFLDO5HVSRQVLELOLW\

• Prospek Usaha  %XVLQHVV3URVSHFWV TINJAUAN PENDUKUNG BISNIS 6833257,1*%86,1(665(9,(:

248

590

• Kepedulian terhadap Lingkungan Hidup  &DULQJWRWKH(QYLURQPHQW

595

250

• Pengembangan Sosial Kemasyarakatan  6RFLDO&RPPXQLW\'HYHORSPHQW

599

• Sumber Daya Manusia  +XPDQ5HVRXUFHV

292

• Tanggung Jawab kepada Konsumen  5HVSRQVLELOLW\WRWKH&XVWRPHU

604

• Teknologi Informasi  ,QIRUPDWLRQ7HFKQRORJ\

• Pengelolaan Ketenagakerjaan  (PSOR\PHQW0DQDJHPHQW

609

MANAJEMEN RISIKO 5,6.0$1$*(0(17

316

TATA KELOLA PERUSAHAAN *22'&25325$7(*29(51$1&(

408

LAPORAN KEUANGAN KONSOLIDASIAN &2162/,'$7('),1$1&,$/67$7(0(176

613 817

• Tata Kelola Perusahaan di bank bjb  *RRG&RUSRUDWH*RYHUQDQFHDWEDQNbjb

410

DATA PERUSAHAAN &25325$7('$7$

430

‡ 3URÀO3HPLPSLQ'LYLVLbank bjb  'LYLVLRQ+HDGEDQNbjb3URÀOH

818

• Rapat Umum Pemegang Saham (RUPS)  *HQHUDO0HHWLQJVRI6KDUHKROGHUV *06

442

• Jaringan Kantor  2IÀFHV1HWZRUN

824

• Dewan Komisaris  %RDUGRI&RPPLVVLRQHUV

• Referensi Silang Peraturan Bapepam-LK No X.K.6  &URVV5HIHUHQFHRI%DSHSDP/.5HJXODWLRQ1R;.

843

• Komite Di Bawah Koordinasi Komisaris 464  &RPPLWWHHV8QGHUWKH&RRUGLQDWLRQRIWKH%RDUGRI&RPPLVVLRQHUV

ii

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

1

STRENGTHENING 7+()281'$7,21

'HQJDQPHQJHYDOXDVLSRVLVLNDPL GLVDDWVDDWSHQXKWDQWDQJDQNDPL GDSDWPHPDKDPLGHQJDQMHODVDSD \DQJKDUXVGLODNXNDQXQWXNPHUDLK NHPEDOLPRPHQWXPSHUWXPEXKDQ 3HUVHURDQ.DPLPHQ\DGDUL SHUOXQ\DPHODNXNDQSHUEDLNDQGL beberapa aspek operasional dan NDPLWHODKPHPEXDWEHUEDJDL NHELMDNDQGDQPHQJDPELOWLQGDNDQ \DQJGLSHUOXNDQVHEDJDLUHVSRQ DWDVWDQWDQJDQWHUVHEXW3DGD GDVDUQ\DNDPLWHODKPHQ\LDSNDQ ODQGDVDQ\DQJOHELKNRNRKXQWXN PHPDFXSHUWXPEXKDQ\DQJOHELK FHSDWGLPDVDPHQGDWDQJ

5HDVVHVVLQJSRVLWLRQ LQWLPHVRIFKDOOHQJH JLYHVXVDFOHDU XQGHUVWDQGLQJRI ZKDWZHVKRXOGGRWR UHJDLQRXUPRPHQWXP RIJURZWK:HKDYH QRWLFHGWKHQHHG IRULPSURYHPHQW LQVHYHUDODVSHFWV RIRXURSHUDWLRQ DQGZHKDYHPDGH SROLFLHVDQGWDNHQ DFWLRQVLQUHVSRQVH WRWKHFKDOOHQJH %DVLFDOO\ZHKDYH SUHSDUHGRXUVHOYHV ZLWKDVWUHQJWKHQHG IRXQGDWLRQIRUXV WRVSXUVRXUIXWXUH JURZWKDWKLJKHUUDWH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

2

PERJALANAN MENJADI %$1.1$6,21$/<$1*.2.2+ JOURNEY TO BECOME A SOLID NATIONAL BANK 6HMDODQGHQJDQYLVLMDQJNDSDQMDQJEDQNbjbXQWXNPHQMDGLEDJLDQGDODP EHVDUEDQNQDVLRQDOEHUNLQHUMDEDLN3HUVHURDQWLGDNEHUKHQWLPHODNXNDQ SHQJHPEDQJDQEDLNWHUNDLWGHQJDQLQIUDVWUXNWXUSHQGXNXQJPDXSXQSURGXN 6HFDUDEHUNHVLQDPEXQJDQNHELMDNDQWHUVHEXWWHODKGLUHDOLVDVLNDQVHMDNVDWXWDKXQ PHQMHODQJEDQNbjbPHQMDGLSHUXVDKDDQSXEOLN ,32 KLQJJDVDDWLQLGDQNHGHSDQ

2009

2010

2011

Meneguhkan komitmen untuk menjadi bagian dari 10 bank nasional terbesar dengan kinerja baik

Melaksanakan penawaran saham perdana (IPO) dan mengubah logo menjadi bank bjb sebagai bagian dari identitas Perseroan yang sedang bertransformasi dari bank daerah menjadi menjadi bank nasional.

Meningkatkan kualitas di berbagai aspek organisasi dan operasional untuk menuju pertumbuhan yang lebih pesat di semua lini usaha bank bjb.

Strengthen the commitment to become one of the 10 largest well-performing national banks.

Carry out an initial public offering (IPO) and change logo into bank bjb as part of the identity of the Company undergoing a transformation from provincial bank into national bank.

Improving the quality of organizational and operational aspects in order to achieve more rapid growth in all lines of business of banks bjb.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

3

,QOLQHZLWKWKHEDQNEME·VORQJWHUPYLVLRQWREHFRPHWKHELJWHQQDWLRQDOEDQNV ZLWKH[FHOOHQWSHUIRUPDQFHWKH%DQNLVFHDVHOHVVO\GHYHORSLQJLQWHUPVRI VXSSRUWLQJLQIUDVWUXFWXUHDQGSURGXFW7KHSROLF\KDVEHHQUHDOL]HGLQDFRQWLQXRXV PDQQHUVLQFHRQH\HDUSULRUWRJRLQJSXEOLF ,32 XQWLOSUHVHQWDQGLQWKHIXWXUH

2012

2013

2014

Konsisten meningkatkan jumlah jaringan pelayanan, keragaman produk, serta mengokohkan citra korporat sebagai bank nasional.

Fokus pada peningkatan kualitas, baik dari aspek kinerja, pelayanan maupun sumber daya manusia. Diharapkan, bank bjb senantiasa mampu menciptakan nilai tambah lebih besar bagi seluruh pemangku kepentingan.

Memperkuat fondasi operasional dan peningkatan penerapan GCG agar kinerja usaha bank bjb semakin kokoh guna memacu pertumbuhan yang lebih cepat di masa mendatang.

Consistent in increasing the number of service network, product diversity, and strengthen corporate image as a national bank.

Focus on improving the quality, both from the aspect of performance, service and human resources. bank bjb is expected to always able to create greater added value for all stakeholders.

Strengthen the operational foundation DQGLPSURYHWKHLPSOHPHQWDWLRQRI *&*VRWKDWWKHEDQNEME·VEXVLQHVV performance will grow more robust in order to spur faster growth in the future.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

4

IKHTISAR KINERJA Performance Highlights

$VHW

+6,87%

Assets 5S-XWD

(NXLWDV

+5,44%

Equity 5S-XWD

Rp Million

70.840

70.958

75.836

7.084

Rp Million

6.009

6.718

5.387

54.448 4.990 43.445

2010

2011

2012

2013

2014

2010

2011

2012

2013

2014

8QLW3HQJHQGDOLDQ*UDWLÀNDVL7HUEDLN 7KH%HVW*UDWLÀFDWLRQ&RQWURO8QLW 6HEDJDLZXMXGNRPLWPHQDWDVSHQHUDSDQWDWDNHORODSHUXVDKDDQ \DQJEDLNEDQNbjbWHODKPHPLOLNL8QLW3HQJHQGDOLDQ*UDWLÀNDVL 3DGDWDKXQXQLWLQLPHQGDSDWNDQSHQJKDUJDDQGDUL.RPLVL 3HPEHUDQWDVDQ.RUXSVL .3. VHEDJDL%80'GHQJDQ8QLW 3HQJHQGDOLDQ*UDWLÀNDVL7HUEDLN7DKXQ $VDFRPPLWPHQWWRWKHDSSOLFDWLRQRIJRRGFRUSRUDWHJRYHUQDQFH bank bjbRZQVD*UDWLÀFDWLRQ&RQWURO8QLW,QWKHXQLWUHFHLYHG DQDZDUGIURPWKH&RUUXSWLRQ(UDGLFDWLRQ&RPPLVVLRQ .3. DVD 5HJLRQDO&RPSDQ\:LWKWKH%HVW*UDWLÀFDWLRQ&RQWURO8QLWRIWKH
bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

5

13,27% Penghimpunan Dana Pihak Ketiga bank bjb pada tahun 2014 sebesar Rp53,48 triliun, meningkat sebesar 13,27% dibandingkan tahun sebelumnya yang sebesar Rp47,195 triliun. bankEME·VDFTXLVLWLRQRI7KLUG3DUW\)XQGV in 2014 amounted to Rp53.48 trillion, an increase of 13.27% compared to the SUHYLRXV\HDUZKLFKDPRXQWHGWR5S trillion.

118,25% Sepanjang tahun 2014, kinerja pendapatan operasional bjb melampaui target yang telah ditetapkan, dengan pencapaian yaitu 118,25% atau sebesar Rp1,466 triliun di atas target anggaran yang ditetapkan. 7KURXJKRXWEDQNEME·VRSHUDWLQJ income performance exceeded the target set, namely 118.25% or Rp1.466 trillion DERYHWKHEXGJHWVHW

Rp75,836

WULOLXQ_WULOOLRQ Total Aset bank bjb pada tahun 2014 mengalami kenaikan 6,87% menjadi Rp75,836 triliun bila dibandingkan dengan pencapaian 2013 sebesar Rp70,958 triliun. Total assets of bank bjb in 2014 increased 6.87% to Rp75.836 trillion when compared to WKHDFKLHYHPHQWLQZKLFKDPRXQWHGWR Rp70.958 trillion.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

6

IKHTISAR KEUANGAN ),1$1&,$/+,*+/,*+76 In millions of Rupiah. Numerical notations in all tables and graphs are in Indonesian.

%BMBN+VUBBO3VQJBI"OHLBBOHLBQBEBTFMVSVIUBCFMEBOHSBmLNFOHHVOBLBOOPUBTJ*OEPOFTJB

No

Uraian

2010

2011

2012

2013

2014

A

-XPODK$VHW











B

3HQ\DOXUDQ'DQD











23.669.719

28.764.701

38.332.712

48.902.340

54.017.114

1. Kredit yang diberikan (termasuk kredit bank lain) 2. Penempatan pada Bank Lain 3. SSB termasuk SBI 4. Reverse repo

12.748.488

7.780.905

8.013.850

2.629.337

4.764.263

Placement with Other Banks

2.412.822

3.972.149

4.142.992

10.291.810

7.125.371

4FDVSJUJFTJODMVEJOH#*$FSUJmDBUFT

7.394.694

11.567.261

-

568.460

Reverse repo

35.214

31.984

24.415

27.748

Placements

 31.953.462

 39.042.777

 50.607.925

 49.996.607

 53.487.890

• Giro

7.610.327

11.168.241

14.828.830

16.735.445

21.749.842

• Tabungan

4.876.716

6.270.783

9.050.286

12.210.581

12.633.536

Savings

• Deposito

19.466.419

21.603.753

24.365.828

21.050.581

19.104.512

Time Deposits

3HQJKLPSXQDQ'DQD 1. Dana Pihak Ketiga

)XQGLQJ Third Party Funds Current Accounts

5.112.166

8.215.678

10.941.680

11.212.983

7.552.036

• Simpanan Dari Bank Lain

3.353.645

5.298.687

6.392.634

5.513.962

3.308.630

Deposits from Other Banks

• Obligasi yang diterbitkan

1.745.936

2.742.993

2.395.091

2.396.611

1.724.000

Bonds issued

• Repo

1.745.936

2.742.993

1.922.795

2.978.073

2.062.916

Bonds issued

12.585

173.998

231.160

324.337

456.490

(NXLWDV











1. Modal Dasar

2.424.073

2.424.073

2.424.073

2.424.073

2.424.073

3. Pinjaman yang diterima

Other Funding

Borrowings (TXLW\ Authorized Capital

• Propinsi Jawa Barat

927.499

927.499

927.499

927.499

927.499

• Propinsi Banten

130.147

130.147

130.147

130.147

130.147

Banten Province

• Kota & Kab. se - Jawa Barat

572.349

572.349

572.349

572.349

572.349

West Java Local Governments

West Java Province

• Kota & Kab. se - Banten

188.060

188.060

188.060

188.060

188.060

Banten Local Governments

• IPO (Initial Public Offering)

606.018

606.018

606.018

606.018

606.018 823.423

Initial Public Offering (IPO)–Go Public Premium on share Capital - Net of Share Issuance Cost Non Controlling Interest

• Agio Saham

-

823.423

823.423

823.423

5.054

12.457

33.687

34.045

40.571

2. Saldo Laba

1.743.497

2.127.146

2.727.657

3.436.725

3.795.540

0RGDO%DQN 1. Modal Inti

 4.278.130

 4.551.623

 4.650.062

 5.350.343

 5.792.267

2. Modal Pelengkap

(70.865)

(15.858)

(77.687)

(9.926)

16.678

Supplementary Capital

3. Penyertaan ( - / - )

-

-

-

-

-

Investments (- / -)

• Kepentingan non-pengendali

E

&UHGLW Disbursed Loans

-

2. Dana Lainnya

D

7RWDO$VVHWV

35.214

5. Penyertaan C

Description

Retained Earnings %DQN&DSLWDO Core Capital

)

$NWLYD7HUWLPEDQJ0HQXUXW5LVLNR $705











G

.XDOLWDV$NWLYD3URGXNWLI WHUPDVXN6%,











1. Lancar

36.845.094

45.029.998

57.299.810

61.759.048

68.473.499

258.640

571.126

1.049.922

2.147.548

2.056.762

Special Mention

3. Kurang Lancar

35.211

67.221

163.356

197.197

253.434

Substandard

4. Diragukan

68.618

66.039

118.598

263.231

267.961

Doubtful

312.327

204.351

470.126

1.014.225

2.107.657

Loss

4.894.312

5.977.050

6.795.686

8.132.989

8.791.820

(2.254.731)

(2.915.841)

(3.140.311)

(3.350.845)

(4.330.222)

Interest Expense

2.639.581

3.061.209

3.655.375

4.782.144

4.461.598

Net Interest Income

2. Dalam Perhatian Khusus

5. Macet H

/DED 5XJL 1. Pendapatan Bunga 2. Beban Bunga 3. Pendapatan Bunga Bersih

5LVN:HLJKWHG$VVHWV (DUQLQJ$VVHW4XDOLW\ LQFOXGH6%, Current

3URÀW /RVV Interest Income

4. Pendapatan Operasional Lainnya

306.401

240.168

330.362

457.258

565.904

Other Operating Income

5. Beban Operasional Lainnya 6. Pendapatan (Beban) Operasional Lainnya 7. Pendapatan Non Operasional

(1.755.444)

(2.026.483)

(2.566.496)

(3.487.471)

(3.611.668)

Other Operating Expense

(1.190.538)

1.274.894

1.419.241

1.751.931

1.415.834

Other Operating Income (expense)

42.316

60.171

112.185

27.497

37.984

Non Operating Income

(13.226)

(15.249)

(18.927)

(26.554)

(15.329)

Non Operating Expense

9. Laba Sebelum Pajak

1.219.628

1.319.816

1.512.499

1.752.874

1.438.489

Income Before Tax

10. Pajak

(329.403)

(357.121)

(319.195)

(376.487)

(318.455)

Tax

11. Laba Bersih

890.225

962.695

1.193.304

1.376.387

1.120.034

Net Income

12. Laba Sebelum Hak Minoritas 13. Hak Minoritas atas Laba Rugi Anak Perusahaan Yang Dikonsolidasikan

890.225

962.696

1.193.304

1.376.387

1.120.034

54

435

620

3.474

(3.940)

1SPmUCFGPSF.JOPSJUZ .JOPSJUZGPS1SPmU-PTT4VCTJEJBSJFT Consolidated

8. Beban Non Operasional

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No

Uraian

2010

2011

2012

2013

2014

Description

14. Total Laba (Rugi) Komprehensif

890.225

962,695

1.193.204

1.376.387

1.120.035

15. Jumlah laba (rugi) yang dapat diatribusikan kepada: - pemilik entitas induk - kepentingan non pengendali

890.171

962,261

1.192.684

1.372.913

1.116.095

54

435

620

3.474

3.940

890.225

962.696

1.193.304

1.376.387

1.120.035

890.171 54

962.261 435

1.192.684 620

1.372.913 3.474

1.116.095 3.940

890.225

962.696

1.193.304

1.376.987

1.120.035

Total

105,54

99,24

123,00

141,59

115,11

1SPmU -PTT 1FS4IBSF

5PUBM1SPmU -PTT $PNQSFIFOTJWF Total income (loss) attributable to:

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7

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5$6,25$6,2.(8$1*$1 

),1$1&,$/5$7,2 

5DVLR.LQHUMD CAR

22,85

18,36

18,11

16,51

3HUIRUPDQFH5DWLR CAR

16,39%

ROA

3,15

2,65

2,46

2,61

1,94%

ROA

ROE

24,95

21,00

25,02

26,76

19,10%

ROE

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7,32

6,89

6,44

7,96

6,79%

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1,21

2,07

2,83

4,15%

NPL Gross NPL Net Operating Expense to Operating Revenue LDR

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0,29

0,41

0,50

0,64

1,04%

76,60

80,02

79,31

79,41

85,94%

71,54

72,95

74,09

96,47

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Operation Highlights

.UHGLW\DQJ 'LEHULNDQ

+10,46%

Disbursed Loans

-6,70%

Net Interest Income

5S-XWD

54.017.114

Rp Million

3HQGDSDWDQ %XQJD%HUVLK

48.902.340

5S-XWD

38.332.712

5S-XWD

1.193.304

4.461.598

3.061.209

962.695 1.120.034

2012

2013

2014

CAR

-0,12%

CAR  %

890.225

2.639.581

23.669.719

2011

22,85 18,11

1.376.387

Rp Million

3.655.375

28.764.701

2010

-18,62%

Net Income 4.782.143

Rp Million

Laba %HUVLK

2010

2011

2012

1,0

2013

2014

+1,52%

NIM

2010

2011

2012

%232



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%



7,63

7,96 7,32 6,44

18,36

6,89

%

2013

2014

+0,1% 85,94

77,30

76,60

79,31

80,02

2012

2013

16,51 16,39

2010

2011

2012

2013

2014

2010

2011

2012

2013

2014

2010

2011

2014

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15

Para pemangku kepentingan yang terhormat,

Dear Respected Shareholders,

Salam sejahtera kami sampaikan, semoga kebaikan selalu menyertai kita semua dalam menjalankan tugas sehari-hari. Pada kesempatan ini, izinkan kami menyampaikan laporan terkait dengan kewajiban dan wewenang yang diberikan kepada Dewan Komisaris sebagai salah satu Organ Perseroan, yaitu melakukan pengawasan atas kegiatan usaha yang dijalankan Manajemen.

Best wishes, may virtuousness be with us in the performance of our daily tasks. On this occasion, let us convey the report related to the responsibilities and authorities granted to the Board of Commissioners as one of the organs of the Company, namely supervising the business activities performed by the Management.

Selama tahun 2014 ini, Dewan Komisaris menyadari bahwa perjalanan kegiatan bisnis Perseroan diwarnai beragam tantangan yang tidak mudah, tidak hanya dari sisi eksternal tetapi juga internal Perseroan.

The Board of Commissioners realize, during 2014 the business of the Company was faced with a variety of uneasy challenges, both external and internal.

Dari sisi eksternal, kinerja pertumbuhan perekonomian dalam negeri sedang mengalami perlambatan, yang salah satu penyebab utamanya adalah tekanan perekonomian global. Begitu juga dengan indikator-indikator ekonomi yang dapat mempengaruhi kinerja industri perbankan pada umumnya, termasuk Perseroan pada khususnya, cenderung memberikan tekanan bagi kinerja Perseroan.

From the external side, the performance of domestic economic growth experienced slowdown due to the pressure of the global economy. Likewise, economic indicators affected the performance of the banking industry in general and pressured the Bank’s performance in particular.

Beberapa di antara indikator dimaksud, yaitu suku bunga acuan BI rate yang naik 25 basis poin, dari 7,50% menjadi  ,FNVEJBO JOnBTJZBOHNBTJIUJOHHJ ZBJUV  year on year) dan konsumsi rumah tangga yang ikut mengalami kontraksi, dari 5,28% pada tahun 2013 menjadi 5,14% di tahun 2014.

Some of the indicators were the BI interest rate which raised  CBTJT QPJOUT  GSPN  UP  *O BEEJUJPO  JOnBUJPO remained high at 8.36% (year on year) and household consumption contracted from 5.28% in 2013 to 5.14% in 2014.

Dari sisi internal, kelengkapan organisasi pengurus Perseroan, khususnya jumlah Direksi yang tidak lengkap sepanjang tahun 2014 juga menjadi tantangan yang harus dihadapi oleh Perseroan. Dalam situasi yang kurang kondusif seperti inilah Manajemen mengelola Perseroan.

Internally, inadequate number of directors during 2014 also became a challenge for the Bank. The Management ran the Bank in this unfavorable situation.

bank bjb Annual Report 2014

16

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

LAPORAN DEWAN KOMISARIS

Situasi eksternal merupakan kondisi yang tidak dapat dipengaruhi oleh Perseroan, misalnya terkait dengan indikator-indikator yang disebutkan di atas. Manajemen harus menerima situasi tersebut, sambil menyesuaikan strategi pengelolaan Perseroan agar tetap bisa mencapai target.

External situation is the condition beyond the Company’s JOnVFODF  TVDI BT UIPTF SFMBUFE UP UIF JOEJDBUPST NFOUJPOFE above. The management must accept the situation, while adjusting the Company’s management strategy in order to achieve the targets.

Dengan bebagai strategi dan inovasi yang telah direalisasikan oleh Manajemen, pada tahun 2014 Perseroan berhasil meningkatkan perolehan Dana Pihak Ketika sebesar 13,32% dibandingkan tahun sebelumnya, sehingga meningkatkan market share terhadap Bank Umum sebesar 0,01%. Hal ini menunjukan bahwa di tengah situasi yang penuh dengan tantangan, manajemen masih dapat mempersembahkan kinerja yang baik, sejalan dengan visi yang telah ditetapkan. Karena itulah, Dewan Komisaris harus memberikan apresiasi kepada Direksi dan seluruh karyawan atas pencapaian tersebut.

With various strategies and innovations that have been realized by the management, in 2014 the Company managed to increase its acquisition of Third Party Funds by 13.32% when compared to the previous year, thereby increasing the market share of the Commercial Bank to 0.01%. This shows that in the midst of a challenging situation, the Management was still to present a good performance, in line with the vision that has been set. Thus, the Board of Commissioners expresses our appreciation to the Board of Directors and all employees for this achievement.

Selain itu, Net Interest Margin Perseroan posisi berada di level 6,79%, berada di atas target yang sebesar 6,44%. Sehingga, mampu memberikan kontribusi pendapatan Perseroan. Kemudian, rasio antara biaya dengan pendapatan masih di dalam koridor perkiraan, yaitu 85,94%.

In addition, the Company’s Net Interest Margin grew by 6.79%, namely above the target of 6.44%, thus able to contribute to the Company’s revenue. Moreover, the ratio of costs to income remained within the forecast corridor, namely 85.94%.

Kendati demikian, sejumlah target yang sudah ditetapkan belum bisa dipenuhi secara maksimal. Di antara target tersebut, misalnya rasio laba sebelum pajak terhadap total aset (Return on Asset/ROA) yang hanya 1,94%, sementara targetnya 1,87%.

/FWFSUIFMFTT  B OVNCFS PG QSFEFmOFE UBSHFUT XFSF VOBCMF to be met to the fullest. Among these targets is the ratio of QSPmUCFGPSFUBYUPUPUBMBTTFUT 3FUVSOPO"TTFUT30" POMZ reached 1.94%, meanwhile the target was 1.87%.

Pertumbuhan kredit yang diharapkan mencapai Rp52,405 triliun pada 2014 dapat dicapai 103,8%. Kredit bermasalah (Non Performing Loan/NPL) yang dikelola Perseroan juga melampaui target yang sudah ditetapkan. Dari rencana 3,08%, dengan realisasinya sebesar 4,15%.

Credit growth which was expected to reach Rp52.405 trillion in 2014 credit grew by 11.7%. The Company’s non-performing loans (NPL) also exceeded, namely 3.08% targeted and 4.15% realized.

Dewan Komisaris juga menyampaikan apresiasi bahwa pada tahun buku 2014, Perseroan masih berhasil membukukan laba operasional sebesar Rp1.120 triliun. Namun harus diakui, pencapaian tersebut mengalami penurunan dibandingkan tahun sebelumnya yang mencapai Rp1.376 triliun.

5IF #PBSE BMTP FYQSFTTFE BQQSFDJBUJPO UIBU JO  mTDBM ZFBS UIF$PNQBOZTUJMMNBOBHFEUPQPTUBOPQFSBUJOHQSPmUPG Rp1,120 trillion. But admittedly, the Company’s achievement decreased compared to the previous year where operating income reached Rp 1,376 trillion.

Pandangan atas Prospek Usaha yang disusun Direksi

7KH YLHZV RQ %XVLQHVV 3URVSHFWV FRPSLOHG E\ WKH Board of Directors

Dewan Komisaris memandang bahwa prospek usaha tahun 2015 yang telah disusun oleh Direksi, di antaranya terkait dengan pertumbuhan Dana Pihak Ketiga, aset, serta penyaluran kredit sangat realistis. Keyakinan ini, di antaranya

bank bjb Laporan Tahunan 2014

The Board of Commissioners believes that the business prospects in 2015 which has been prepared by the Board of Directors, which are related to the growth of third party funds,

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17 5(3257)5207+(%2$5'2)&200,66,21(56

mengacu pada tiga hal, yaitu kinerja yang sudah berjalan tahun sebelumnya, kondisi perekonomian nasional yang diperkirakan lebih baik dibandingkan tahun 2014, serta strategi yang telah ditetapkan oleh Direksi.

assets, and credit are very realistic. This belief, of which refers to the three cases, the performance in the previous year, the national economy which is estimated to be better than in 2014, as well as the strategies set by the Board of Directors.

Dari sisi kinerja tahun sebelumnya yang penuh dengan tantangan, Dewan Komisaris memandang bahwa Direksi mampu mempersembahkan kinerja yang baik. Bahkan untuk sejumlah indikator, misalnya Dana Pihak Ketiga, tetap mengalami peningkatan. Begitu juga dengan market share terhadap Bank Umum yang ikut tumbuh.

Based on the previous year’s performance which was full of challenges, the Board of Commissioners considers that the Board of Directors will be able to present good performance. For a number of indicators, such as the Third Party Funds remains increasing, as well as the market share of the commercial bank which also grew.

Untuk kondisi perekonomian nasional, pada tahun 2015 ini pemerintah telah menetapkan target yang jauh lebih baik dibandingkan tahun realisasi tahun 2014. Di antaranya, tingkat QFSUVNCVIBO EJIBSBQLBO CJTB NFODBQBJ   EBO JOnBTJ sebesar 5,0%. Kondisi eksternal yang diperkirakan lebih baik dibandingkan tahun sebelumnya tersebut akan sangat mendukung pencapaian target usaha yang telah disusun oleh Direksi.

For the condiition of the national economy, in 2015 the Government has set targets that are much better than the realizations in 2014. Among others, growth rate is expected to SFBDIBOEJOnBUJPO&YUFSOBMDPOEJUJPOTXIJDIBSF expected to be better than the previous year will support the achievement of the business targets that have been prepared by the Board of Directors.

Begitu juga dengan strategi yang telah disiapkan oleh Direksi, di antaranya cross selling produk serta fokus pada perbaikan kredit bermasalah. Strategi tersebut akan sangat mendukung pencapaian prospek usaha, karena melalui strategi ini, peningkatan yang dapat dicapai bukan hanya dari sisi kuantitas, tetapi juga kualitas.

Similar are the strategies prepared by the Board of Directors, including products cross-selling and the focus to improve non-performing loans. The strategies will strongly support the achievement of the business prospects, because through these strategies, improvements can be achieved not only in terms of quantity, but also quality.

Pelaksanaan GCG

GCG Implementation

Di antara solusi yang ditetapkan Perseroan untuk mengatasi permasalahan kinerja tahun 2014, adalah melalui jalur penerapan prinsip GCG. Melalui Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) 19 Desember 2014, Perseroan telah membentuk Direktorat Mikro.

One of the Company’s solutions to address performance issues in 2014 is through the application of the principles of good corporate governance. Through the Extraordinary General Meeting of Shareholders (EGM) on December 19, 2014, the Company established the Micro Directorate.

Pembentukan Direktorat tersebut merupakan bukti keseriusan pemegang saham, di antaranya untuk mengatasi kredit bermasalah dan peningkatan performa kredit mikro. Kredit di sektor mikro termasuk yang memberikan kontribusi besar terhadap peningkatan NPL, sehingga kehadiran Direktorat Mikro menjadi sangat penting.

The establishment of this Directorate becomes proof of the shareholders’ seriousness to solve non-performing loans and to improve micro-credit performance. The micro-credit sector contributed greatly to the increase of NPL, thus the presence of the Micro Directorate becomes very essential.

Untuk itulah, solusi melalui pengembangan GCG ini menjadi salah satu jalan keluar utama dan sangat penting dalam perjalanan bisnis Perseroan. Solusi tersebut diharapkan mampu menopang kinerja Perseroan menjadi lebih baik di masa yang akan datang.

For this reason, the development of good corporate governance becomes one of the main necessary solutions for the business. This solution is expected to sustain the Company’s performance in order to be better in the future.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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LAPORAN DEWAN KOMISARIS

Kinerja Komite di Bawah Dewan Komisaris

The Performance of Committees Under the Board of Commissioners

Sebagai bagian dari pelaksanaan tata kelola perusahaan yang baik, kami senantiasa melakukan penilaian kinerja di jajaran perangkat Dewan Komisaris sebagai perbaikan dan upaya peningkatan kinerjanya. Penilaian tersebut dilakukan baik terhadap rekomendasi yang diajukan maupun terhadap pelaksanaan tugas yang diberikan oleh Dewan Komisaris.

As part of the implementation of good corporate governance, we always conduct performance appraisals towards the supporting organs of the Board of Commissioners as an effort to improve their performance. The performance appraisals are performed based on the recommendations conveyed as well as based on the implementation of tasks assigned by the Board of Commissioners.

Berdasarkan hasil evaluasi dimaksud, Dewan Komisaris menilai seluruh perangkat yang meliputi Komite Audit (KA), Komite Remunerasi dan Nominasi (KRN) serta Komite Pemantau Risiko (KPR) telah menjalankan tugas dengan baik. Masing-masing Komite telah memberikan masukan dan rekomendasi yang berkualitas, yang dilengkapi dengan penjelasan latar belakang permasalahan dan argumentasi yang relevan untuk setiap permasalahan yang dibahas. Hal tersebut diyakini akan membantu Direksi dalam melaksanakan atau mempertimbangkan rekomendasi yang disampaikan Dewan Komisaris.

Based on the results of such evaluations, the Board of Commissioners concludes that the Audit Committee (KA), Remuneration and Nomination Committee (KRN) and the Risk Management Committee (KPR) have satisfactory performed their tasks. Each committee has provided inputs and recommendations with quality, equipped with relevant background and argumentation of the issues discussed. It is believed to have assisted the Board of Directors in implementing or considering the recommendations made by the Board of Commissioners.

Untuk menjaga kesinambungan kinerja yang baik, Dewan Komisaris mengamanatkan kepada seluruh anggota komite di bawah Dewan Komisaris agar senantiasa meningkatkan kompetensi serta konsistensi dalam pelaksanaan tugas dengan dedikasi dan integritas yang tinggi. Tantangan Perseroan ke depan akan semakin besar, terutama mengingat organisasi bisnisnya yang semakin besar.

To maintain the continuity of satisfactory performance, the Board of Commissioners mandates all members of the committees under the Board of Commissioners to continue to improve competency and consistency in the implementation of tasks with dedication and integrity. The Company’s future challenges will be even greater considering the increasing growth of the business organization.

Perubahan Komposisi Dewan Komisaris

Changes in the Commissioners

Komposisi Dewan Komisaris mengalami perubahan pada 19 Desember, melalui RUPSLB. Hingga periode 31 Desember 2014, komposisi Dewan Komisaris menjadi: ,PNJTBSJT6UBNB  5BVmFRVSBDINBO3VLJ Komisaris : Muhadi Komisaris : Wawan Ridwan Komisaris Independen : Achmad Baraba Komisaris Independen : Klemi Subiyantoro Komisaris Independen : Rudhyanto Mooduto Komisaris Independen : Yayat Sutaryat

On December 19, the composition of the Board of Commissioners was amended through the EGM. Until the period of December 31, 2014, the composition became: 1SFTJEFOU$PNNJTTJPOFS  5BVmFRVSBDINBO3VLJ Commissioner : Muhadi Commissioner : Wawan Ridwan Independent Commissioner : Achmad Baraba Independent Commissioner : Klemi Subiyantoro Independent Commissioner : Rudhyanto Mooduto Independent Commissioner : Sdr. Yayat Sutaryat

bank bjb Laporan Tahunan 2014

composition

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Apresiasi

Appreciation

Pada kesempatan ini kami juga menyampaikan apresiasi dan penghargaan yang sebesar-besarnya kepada para pemangku kepentingan internal dan eksternal Perseroan atas kerja sama dan dukungannya, sehingga proses bisnis di Perseroan dapat berjalan dengan baik dan lancar. Khusus kepada Direksi serta jajaran di bawahnya, kami mengucapkan terima kasih atas kerja sama tim yang telah dibangun dan kerja kerasnya dalam memperkokoh fondasi Perseroan.

On this occasion we also express appreciation and gratitude to the internal and external stakeholders of the Company for their cooperation and support resulting the Company’s business processes to run smoothly. In particular to the Board of Directors and the ranks bellow, we are thankful for the teamwork and hard work in strengthening the Company’s foundation.

7DXÀHTXUDFKPDQ5XNL Komisaris Utama President Commissioner

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

20

DEWAN KOMISARIS

7DXÀHTXUDFKPDQ5XNL

Muhadi

Wawan Ridwan

Komisaris Utama President Commissioner

Komisaris Commissioner

Komisaris Commissioner

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

21 %2$5'2)&200,66,21(56

Achmad Baraba

Klemi Subiyantoro

Rudhyanto Mooduto

Yayat Sutaryat

Komisaris Independen Independent Commissioner

Komisaris Independen Independent Commissioner

Komisaris Independen Independent Commissioner

Komisaris Independen Independent Commissioner

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

LAPORAN DIREKTUR UTAMA 5HSRUWIURPWKH3UHVLGHQW'LUHFWRU

Ahmad Irfan Direktur Utama President Director

bank bjb Laporan Tahunan 2014

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Pemegang saham yang terhormat,

Respected Shareholders,

Salam sejahtera kami sampaikan, semoga kita selalu berada dalam lindungan Tuhan Yang Maha Esa dan diberikan kelancaran dalam menjalankan aktivitas sehari-hari. Amin

Best wishes we convey, May we always be in the protection of God Almighty and be given ease in our daily activities. Amen

Pada kesempatan kali ini, izinkan kami menyampaikan laporan perjalanan kinerja Perseroan untuk tahun buku 2014. Laporan ini kami sampaikan secara transparan sesuai dengan ketentuan yang berlaku, sebagai bentuk kepatuhan dan tanggung jawab kepada pemegang saham dan para pemangku kepentingan lainnya.

On this occasion, let us convey the report on the Company’s QFSGPSNBODF GPS UIF mOBODJBM ZFBS  8F EFMJWFS UIJT report in a transparent manner in accordance with applicable regulations, as a form of compliance and responsibility to shareholders and other stakeholders.

Tantangan 2014

Challenges in 2014

Perjalanan dunia usaha sepanjang tahun 2014 banyak diwarnai oleh tantangan, terutama dari faktor eksternal. Kondisi ini tidak hanya dialami oleh Perseroan, tetapi juga dunia usaha pada umumnya. Bahkan sejak memasuki tahun 2014, ada pesimisme di lingkungan dunia usaha atas kondisi ekonomi yang akan berjalan.

Throughout the year 2014, the business was faced by many challenges, mainly from external factors. This condition was not only experienced by the Company, but also the business world in general. Even since the beginning of 2014, the business was already pessimist towards the upcoming economic condition.

Sentimen tersebut diindikasikan melalui Indeks Tendensi Bisnis yang dikeluarkan oleh Badan Pusat Statistik pada kuartal 1-2014 yang lebih rendah dibandingkan kuartal sebelumnya, yaitu dari 104,72 menjadi 101,95. Hal ini menunjukan bahwa ekspektasi dunia usaha terhadap situasi ekonomi awal 2014 cenderung pesimistis.

The sentiment was indicated by the Business Tendency Index released by the Central Bureau of Statistics (BPS) in UIFmSTURVBSUFSPGXIJDIXBTMPXFSUIBOUIFQSFWJPVT quarter, namely from 104.72 to 101.95. This indicated that the expectation of the business against the economic situation in early 2014 was likely pessimistic.

Situasi yang berkembang di dunia usaha, di antaranya sebagai antisipasi terhadap kondisi ekonomi secara makro sepanjang tahun 2014, yang terbukti masih terjadi perlambatan. Salah satu penyebab utamanya adalah perekonomian global yang masih belum stabil.

The situation developing in the business world was an anticipation of macro-economic condition throughout 2014, which proved remained slowing down. One of the main causes was the unstable global economy.

Hal itu, misalnya bisa terlihat pada perekonomian dua negara besar dunia, yaitu Amerika Serikat dan China yang memiliki tren berkebalikan. Ketika data ekonomi Amerika menunjukkan kecenderungan positif, kondisi di China justru sebaliknya.

This, for example, can be seen on the economy of the world’s two large countries, namely the United States of America and China with opposite trends. When the economic data of the USA showed positive trend, the condition of China was the opposite.

Indonesia yang menganut sistem perekonomian terbuka, turut terkena imbas dari perlambatan pada perekonomian global tersebut. Selama tahun 2014, secara kumulatif nilai ekspor Indonesia mengalami penurunan sebesar 3,43% dibandingkan tahun sebelumnya. Khusus ekspor non-migas, dimana penurunannya mencapai 2,64%.

Indonesia, which adopts an open economy, was also affected by the slowdown of the global economy. During 2014, the cumulative value of the Indonesian export declined by 3.43% compared to the previous year. Particularly non-oil exports, the decline reached 2.64%.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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LAPORAN DIREKTUR UTAMA

Pertumbuhan ekonomi (PDB) juga turut mengalami tekanan. BPS mencatat bahwa pertumbuhannya hanya 5,02%, lebih rendah dibandingkan tahun 2013 yang 5,78%.

Economic growth (GDP) was also under pressure. BPS noted that growth only reached 5.02%, lower than the 5.78% in 2013.

Laju pertumbuhan konsumsi rumah tangga sebagai salah satu faktor pembentuk PDB, pada tahun 2014 juga mengalami kontraksi, menjadi hanya 5,14%. Sedangkan pada tahun 2013 mencapai sebesar 5,28%.

In 2014, the growth of household consumption as one of the determining factors of GDP also contracted, becoming only 5.14% whereas in 2013 amounted to 5.28%.

Situasi Sektor Keuangan

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Membaiknya perekonomian di Amerika Serikat, yang mengisyaratkan adanya evaluasi terhadap kebijakan stimulus moneter, memberikan dampak negatif terhadap pasar keuangan di Indonesia. Investor asing banyak yang menarik dana dari pasar keuangan Indonesia untuk mencari investasi lebih menguntungkan dalam denominasi dolar.

The improving economy in the United States, which suggests the presence of evaluation to the monetary policy TUJNVMVT  QSPWJEFE OFHBUJWF JNQBDU PO UIF mOBODJBM NBSLFUT in Indonesia. Many foreign investors withdrew funds from UIF *OEPOFTJBO mOBODJBM NBSLFUT UP TFFL NPSF QSPmUBCMF investments denominated in dollar.

Aksi para investor ini, ditambah dengan neraca perdagangan *OEPOFTJBZBOHNBTJINFOHBMBNJEFmTJU NFNCVBUOJMBJUVLBS rupiah terhadap dolar AS mengalami tekanan. Sepanjang tahun 2014, terutama di penghujung tahun, sempat menyentuh posisi terendahnya, yaitu di kisaran Rp12.900 per dolar.

The action took by these investors, combined with Indonesia’s USBEF CBMBODF XIJDI SFNBJOFE JO EFmDJU  QSFTTVSFE UIF value of the rupiah against the US dollar. Throughout 2014, especially at the end of the year, value of the rupiah against the US dollar touched its lowest position, namely in the range of Rp12,900 per dollar.

Menjelang berakhirnya tahun 2014 juga diwarnai dengan kenaikan suku bunga acuan BI rate sebesar 25 basis poin, dari 7,50% menjadi 7,75%. Kenaikan suku bunga ini merupakan respon yang diambil oleh Bank Indonesia untuk NFOBIBO MBKV JOnBTJ  TBMBI TBUVOZB BLJCBU LFOBJLBO IBSHB bahan bakar minyak.

Towards the end of 2014 BI rate also rose by 25 basis points, from 7.50% to 7.75%. This increase was a response taken by #BOL*OEPOFTJBUPDVSCJOnBUJPO BNPOHPUIFSTEVFUPUIFSJTF of fuel prices.

8BMBVQVO EFNJLJBO  TFQBOKBOH UBIVO   JOnBTJ NBTJI tetap tinggi, yaitu 8,36% (year on year). Kondisi ini memiliki beragam implikasi bagi industri perbankan.

)PXFWFS  UISPVHIPVU   JOnBUJPO SFNBJOFE IJHI  OBNFMZ 8.36% (year on year). This condition provided a variety of implications for the banking industry.

Kenaikan suku bunga berpotensi menurunkan net interest margin (NIM), sehingga dapat menekan laba perbankan. Data Bank Indonesia menyebutkan, NIM bank umum untuk periode November 2014 telah mengalami penurunan sebesar 13,11% dibandingkan periode yang sama tahun sebelumnya.

The rise in interest rates potentially reduced net interest NBSHJO /*.

 TP BT UP TVQQSFTT CBOLJOH QSPmUT 'SPN UIF data of Bank Indonesia, the NIM of commercial banks for the period of November 2014 decreased by 13.11% compared to the same period in the previous year.

,FNVEJBO  masyarakat mengalami yang lebih perbankan.

'VSUIFSNPSF  UIF IJHI SBUF PG JOnBUJPO SFEVDFT UIF purchasing power of the people. Household consumption which experiences contraction has the potential to EFQSFTTDPOTVNFSDSFEJU XIJDIJOHFOFSBMHFOFSBUFQSPmUGPS banking.

NBTJI UJOHHJOZB JOnBTJ NFNCVBU EBZB CFMJ ikut menurun. Konsumsi rumah tangga yang kontraksi berpotensi menekan kredit konsumsi, umumnya cepat memberikan keuntungan bagi

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

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Tantangan Internal

Internal Challenges

Di tengah situasi eksternal yang penuh dengan ketidakpastian tersebut, secara internal Perseroan menghadapi tantangan yang tidak ringan. Secara organisasi, bank bjb beroperasi deng struktur manajemen yang tidak lengkap, sehingga organ manajemen berjalan kurang sesuai dengan yang sudah direncanakan.

In the midst of an uncertain external coondition, the Company internally faces substantial challenges. Organizational wise, bank bjb operates with an incomplete management structure, consequently, organs of the management does not operate as appropriate as planned.

Sepanjang tahun 2014, Perseroan melaksanakan 3 kali RUPS untuk memenuhi komposisi manajemen. Komposisi manajemen Perseroan terpenuhi berdasarkan hasil keputusan RUPSLB Perseroan pada tanggal 19 Desember 2014.

To solve the issue of management composition, throughout 2014, the Company carried out 3 GMS. The composition of UIF $PNQBOZT NBOBHFNFOU XBT mOBMMZ NFU CBTFE PO UIF decision of the EGM in December 19, 2014.

Sesuai dengan ketentuan yang berlaku dalam industri perbankan, faktor eksternal seperti keputusan otoritas dalam memastikan pihak yang patut menempati posisi manajemen, juga menjadi concern. Internal Perseroan demi peningkatan kinerja Perseroan.

In accordance with the applicable regulations in the banking industry, external factors such as the decision of the BVUIPSJUJFTJOFOTVSJOHUIBURVBMJmFEQFPQMFPDDVQZUIFSJHIU management positions, also became an internal concern of the Company in order to improve the Company’s performance.

Kebijakan Strategis

Strategic Policies

Untuk tahun 2014, Perseroan telah memiliki kebijakan strategis sebagai panduan bagi seluruh organ di lingkungan Perseroan. Strategi tersebut tertuang dalam Kebijakan Umum Direksi Tahun 2014.

For 2014, the Company already possesses appropriate strategic policies as a guide for the entire organs of the Company. The strategies set out in Public Policy 2014 Board of Directors.

Perseroan telah berkomitmen bahwa pengembangan Perseroan diarahkan untuk terus memasuki “next level”, TFIJOHHBNFOKBEJCBOLOBTJPOBMEFOHBOQFSUVNCVIBOQSPmU yang tinggi dan berkesinambungan (“A Strong Sustainable BOE 1SPmUBCMF #BOL”). Dengan begitu, Perseroan menjadi lebih besar dari sisi aset dan laba, lebih kuat dari permodalan, serta lebih baik dari sisi pelayanan.

The Company’s commitment is the expansion of the Company will be directed to continue to enter the “next level”, thus CFDPNJOH B OBUJPOBM CBOL XJUI IJHI BOE TVTUBJOBCMF QSPmU HSPXUI i"4USPOH4VTUBJOBCMFBOE1SPmUBCMF#BOLw #ZEPJOH so, the Company becomes greater in terms of assets and earnings, stronger in terms of capital, and better in terms of service.

Kebijakan strategis yang telah ditetapkan untuk mendukung komitmen strategis Perseroan di tahun 2014 adalah: 1. Peningkatan Market Share Dana Pihak Ketiga Upaya yang dilakukan untuk mencapai rencana tersebut, di antaranya dengan melakukan optimalisasi pertumbuhan dana pihak ketiga melalui promosi dan pemasaran produk dana serta inovasi produk. 2. Pengembangan dan Peningkatan kualitas layanan Upaya yang dilakukan melalui peningkatan electronic banking untuk meningkatkan corporate fee based income, serta pelayanan kepada nasabah dalam transaksi e-banking.

The Strategic policies established to support the Company’s strategic commitment in 2014 are: 1. Increase the Market Share of Third Party Funds Efforts performed to achieve the plan included optimizing the growth of third party funds through product promotion and marketing as well as product innovation. 2. Develop and Improve the quality of service This was among others conducted through improving electronic banking to improve corporate image and fee-based income, as well as services to customers in e-banking transactions.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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LAPORAN DIREKTUR UTAMA

3. Meningkatkan penyaluran kredit Beberapa upaya yang dilakukan, di antaranya melakukan optimalisasi pembiayaan di sektor produktif maupun konsumtif dengan mengoptimalkan penggunaan dana dengan tetap memperhatikan prinsip kehati-hatian. 4. Optimalisasi fee based income untuk mendukung pencapaian target laba bank Upaya yang dilakukan, di antaranya mengembangkan jasa transaksi perbankan, seperti melalui anjungan tunai mandiri (ATM) dan layanan bjb digi.

3. Increase lending  5IJTXBTBNPOHPUIFSTQFSGPSNFECZPQUJNJ[JOHmOBODJOH to the productive and consumptive sectors by optimizing the use of funds by taking into account the precautionary principle. 4. Optimizing of fee-based income to support the BDIJFWFNFOUPGUIFCBOLTQSPmUUBSHFU This was among others performed by developing banking transaction services, such as through automated teller machines (ATM) and bjb digi services.

Realisasi Target 2014

2014 Target Realization

Kondisi eksternal yang telah mempengaruhi kinerja perekonomian nasional, ikut berimbas pada industri perbankan, termasuk Perseroan. Kami berpandangan, kondisi eksternal tersebut merupakan variabel yang tidak bisa dikontrol oleh Perseroan, walaupun pengaruhnya terhadap LJOFSKBCJTOJTTBOHBUTJHOJmLBO

External conditions affecting the performance of the national economy also provided impact on the banking industry, including the Company. According to us, the external condition is a variable that cannot be controlled by the Company, although its impact on the business performance JTWFSZTJHOJmDBOU

Perseroan maupun industri perbankan pada umumnya harus menerima situasi tersebut sebagai tantangan yang mesti dihadapi. Situasi itulah yang dihadapi oleh Perseroan sepanjang tahun 2014. Ditambah lagi dengan struktur organisasi yang tidak sempurna hingga akhir tahun, membuat sejumlah target yang sudah ditetapkan tidak tercapai.

The Company and the banking industry in general have to accept the situation as a challenge that must be faced. The Company had to face these challenges during the year 2014. Moreover, the incomplete organizational structure until the FOEPGUIFZFBSNBEFBOVNCFSPGQSFEFmOFEUBSHFUTOPUBCMF to be achieved.

Target dan Pencapaian Pos Keuangan Aset Dana Pihak Ketiga Penyaluran Kredit Laba Bersih NIM ROA ROE (net) NPL (gross) Cost of Fund CASA CAR

Target and Realization Target Desember 2014 2014 December Target 78.500 56.961 52.405 1.112 6,44% 1,87% 19,44% 3,08% 5,1% 45,9% 15,37%

Sebagai dasar acuan kinerja, Perseroan telah menetapkan sejumlah target yang ingin dicapai pada tahun 2014. Target tersebut ditetapkan berdasarkan sejumlah asumsi makro. Di antaranya, pertumbuhan ekonomi yang didasarkan pada proyeksi pemerintah, yaitu 5,8-6,1%.

bank bjb Laporan Tahunan 2014

Realisasi Desember 2014 2014 December Realisation 75.836 53.487 54.017 1.120 6,79% 1,94% 19,10% 4,15% 5,87% 64,3% 16,39%

)LQDQFH3RVW Assets Third Party Funds Loan Disbursement Net Income NIM ROA (net) ROE (net) NPL (gross) Cost of Fund CASA CAR

As the basis of performance, the Company has set a number of targets to be achieved by 2014. The targets were set based on a number of macro assumptions, among others, economic growth based on the government’s projection, namely 5.8 to 6.1%.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

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Begitu pun dengan nilai tukar rupiah, untuk tahun 2014. Bank Indonesia memperkirakan berada di kisaran Rp11.300-11.580 per dolar AS.

Similar with the exchange rate, for 2014, Bank Indonesia estimated the exchange rate to be in the range of Rp11.30011.580 per US dollar.

4FEBOHLBOJOnBTJEJUBSHFULBO  %FOHBOBTVNTJJOJ  kinerja industri perbankan diperkirakan masih akan tumbuh, walaupun gejolak ekonomi pada tahun 2014 sebenarnya sulit diprediksi.

.FBOXIJMF JOnBUJPO XBT UBSHFU UP CF  8JUI UIJT assumption, the performance of the banking industry was estimated to grow, despite the economic turmoil in 2014 was BDUVBMMZEJGmDVMUUPQSFEJDU

%FOHBO JOnBTJ ZBOH SFMBUJG SFOEBI UFSTFCVU  #BOL *OEPOFTJB diharapkan dapat menjaga suku bunga acuan SBI pada kisaran 7,00%-7,25%. Suku bunga acuan ini akan sangat berpengaruh terhadap bank dalam menetapkan suku bunga kredit maupun Dana Pihak Ketiga.

8JUIUIFSFMBUJWFMZMPXJOnBUJPO #BOL*OEPOFTJBXBTFYQFDUFE to keep the SBI benchmark interest rate in the range of 7.00% -7.25%. The benchmark interest rate will greatly affect the banks in setting interest rates on loans and Third Party Funds.

Dengan asumsi-asumsi tersebut, Perseroan menetapkan sejumlah target kinerja, yang di antaranya: 1. Meningkatkan Net Interest Margin (NIM) sebesar 6-6,5%. 2. Pertumbuhan Dana Pihak Ketiga 14-18%. 3. Penyaluran kredit naik 14-16%, dengan pangsa pasar 1,33%. Penentuan komposisi kredit didasarkan pada Peraturan Bank Indonesia (PBI) No.14/26/2012, bahwa untuk tahun 2014 komposisi kredit produktif dan konsumtif adalah 30% dan 70%. Target kredit bermasalah (NonPerforming Loan/NPL) sebesar 2,5-3,1%. 4. Return on Asset (ROA) atau rasio laba sebelum pajak terhadap total aset sebesar 1,5%-1,9%.

With these assumptions, the Company set a number of performance targets, which include: 1. Increase Net Interest Margin (NIM) of 6-6.5%. 2. Third Party Fund Growth of 14-18%. 3. Increase Lending to 14-16%, with a market share of 1.33%. Determination of the composition of loan is based on Bank Indonesia Regulation (PBI) No. 14/26/2012, that for 2014 the composition of productive and consumptive credit is 30% and 70% .Target of non-performing loans (NPL) of 2.5 -3.1%.  3FUVSOPO"TTFUT 30" PSUIFSBUJPPGQSPmUCFGPSFUBYUP total assets of 1.5%-1.9%.

Realisasi

Realization

Seperti dipaparkan di atas, besaran asumsi-asumsi makro yang telah ditetapkan ternyata meleset dari perkiraan. 1FSUVNCVIBO FLPOPNJ KBVI MFCJI SFOEBI  JOnBTJ NFMBNCVOH tinggi, begitu juga dengan suku bunga acuan BI rate.

As described above, the amount of macro assumptions established were not according to the estimation. Economic HSPXUI XBT NVDI MPXFS JOnBUJPO TPBSFE  TP EJE UIF #* benchmark interest rate.

Tekanan faktor eksternal yang di luar kontrol Perseroan ini membuat Perseroan mengalami kesulitan dalam meraih target yang sudah ditetapkan. Karena faktor-faktor eksternal tersebut tidak dapat dikontrol Perseroan, maka hal tersebut berdampak yang kurang baik terhadap kinerja Perseroan.

The pressure from external factors beyond the Company’s DPOUSPMDBVTFEUIF$PNQBOZUPIBWFEJGmDVMUJFTJOSFBDIJOHUIF targets set. Since the external factors could not be controlled, it provided effect to the Company’s performance.

Untuk laba bersih misalnya, sepanjang tahun 2014 mengalami kontraksi sebesar 18,62% (yoy). Jika pada 2013 mencapai Rp1,376 triliun, pada 2014 mencapai Rp1,120 triliun.

Net income for example, during the year 2014 contracted by 18.62% (yoy). If in 2013 net income reached Rp1.376 trillion in 2014 it only reached Rp1.120 trillion.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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LAPORAN DIREKTUR UTAMA

Kondisi kredit bermasalah (Non-Performing Loan/NPL) Perseroan juga meningkat, yang salah satunya disebabkan oleh kondisi dunia usaha yang kurang bergairah. Bahkan cenderung melemah akibat tekanan situasi eksternal, seperti indikator makroekonomi yang telah disampaikan di atas.

The Company’s non-performing loans also increased due to the poor condition of the business. The condition tended to weaken due to the pressure of external circumstances, such as the macroeconomic indicators presented above.

Sepanjang tahun 2014, NPL yang dikelola Perseroan mencapai 4,15%, bertambah 1,32% dibandingkan tahun sebelumnya sebesar 2,83%. Peningkatan NPL disebabkan oleh penurunan kualitas aset pada kredit mikro, komersial dan KPR. Namun demikian kualitas aset kredit konsumer Perseroan tetap terjaga di sepanjang tahun 2014.

Throughout 2014, the Company’s NPL reached 4.15%, increased by 1.32% compared to the previous year of 2.83%. The increase of NPL was due to the decline in asset quality in micro-credit, commercial and mortgage. However, the quality of asset of the company’s consumer credit was maintained throughout 2014.

Untuk penyaluran kredit, pertumbuhan yang mampu dicapai Perseroan adalah sebesar 10,46%, lebih rendah dibandingkan dengan pertumbuhan pada tahun 2013 yang dapat menembus 28,1%.

The Company’s credit growth grew by 10.46%, lower than the growth in 2013 which could penetrate 28.1%.

Sementara rasio laba sebelum pajak terhadap total aset (ROA), yang berhasil dibukukan oleh Perseroan mencapai sebesar 1,94%.

8IJMF UIF SBUJP PG QSPmU CFGPSF UBY UP UPUBM BTTFUT 30" XBT successfully recorded by the Company at 1.94%.

Walaupun demikian, sejumlah akun indikator kinerja Perseroan berhasil dicapai sesuai dengan target yang telah ditetapkan. Hal ini bisa diperoleh di antaranya karena kinerja pemangku kepentingan internal Perseroan yang solid, dimana mereka selalu berupaya untuk memandang tantangan sebagai kesempatan untuk meningkatkan inovasi.

However, a number of accounts as performance indicators were able to be achieved in accordance with the targets set, among others because of the solid performance of the Company’s internal stakeholders whom always try to view challenges as opportunities to constantly improve innovation.

Beberapa akun yang kinerjanya sesuai dengan target, di antaranya adalah pertumbuhan Dana Pihak Ketiga yang berhasil dihimpun, dimana sepanjang tahun 2014 kenaikannya mencapai sebesar 13,27%.

Among the accounts with performance according to the target was the growth of third party funds. Throughout 2014, third party funds increased by 13.27%.

Sedangkan NIM yang berhasil direalisasikan oleh Perseroan pada tahun 2014 adalah sebesar 6,79%. Keberhasilan ini, terutama didorong oleh kinerja operasional Perseroan yang TFNBLJOFmTJFO TFIJOHHBQFOEBQBUBOCVOHBNBTJIUJOHHJ

Meanwhile in 2014 the Company successfully realized NIM of 5IJTTVDDFTTXBTNBJOMZESJWFOCZUIFNPSFFGmDJFOU performance of the Company’s operations causing interest income to remain high.

Prospek Usaha

Business Prospects

Rencana bisnis Perseroan tahun 2015 tetap berpedoman pada pencapaian visi meraih pertumbuhan berkualitas dan berkesinambungan. Dari sinilah Perseroan menentukan rencana strategis, dengan tetap memperhatikan kondisi makro yang berpotensi mempengaruhi kinerja Perseroan.

The Company’s 2015 business plan refers to the achievement of the vision to achieve sustainable growth with quality. This became the basis of the Company to determine our strategic plan, with regard to the macro conditions which could potentially affect the Company’s performance.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

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Pada tahun 2015, perekonomian global diperkirakan belum akan stabil, termasuk pada negara-negara mitra dagang utama Indonesia, seperti China yang diperkirakan masih akan mengalami perlambatan pertumbuhan ekonomi. Kondisi tersebut yang disertai dengan penurunan harga komoditas global berpotensi memberikan tekanan pada perekonomian Indonesia.

In 2015, the global economy is expected to remain unstable, including Indonesia’s major trading partners, such as China which is expected to experience economic slowdown. These conditions are accompanied by a decline in global commodity prices which potentially pressures the Indonesian economy.

Dalam kondisi tersebut, pemerintah menetapkan sejumlah asumsi makro, yang menjadi salah satu asumsi penting bagi Perseroan dalam menentukan prospek usaha. Seperti tertuang dalam Rancangan Anggaran Pendapatan dan Belanja Negara (RAPBN) Perubahan 2015, asumsi yang telah ditetapkan adalah:  *OnBTJ EJQFSLJSBLBO    BUBV MFCJI UJOHHJ EBSJ BTVNTJ APBN 2015 yang 4,4%, namun jauh lebih rendah dibandingkan realisasi 2014. 2. Rata-rata nilai tukar rupiah terhadap dolar AS diperkirakan berada pada kisaran Rp12.200, yang semula diasumsikan sebesar Rp11.900 dalam APBN tahun 2015. 3. Pertumbuhan ekonomi ditargetkan 5,8%, sama dengan APBN 2015.

In these conditions, the government set a number of macro assumptions, which became one of the key assumptions for the Company in determining its business prospects. As stated in the 2015 State Budget Amendment Draft, the assumptions set are:  *OnBUJPOJTFTUJNBUFEUPCF PSIJHIFSUIBOUIF budget assumption of 4.4%, however much lower than the realization in 2014. 2. The average exchange rate of the rupiah against the US dollar is expected to be in the range of Rp12.200, where the original assumption in the 2015state budget amounted to Rp11.900. 3. The economic growth is targeted at 5.8%, the same as the 2015 state budget.

Sementara fokus Perseroan pada 2015, terutama adalah upaya memperbaiki serta memperkokoh fundamental bank sebagai fondasi untuk mencapai kinerja Perseroan yang lebih baik di masa akan datang, melalui pertumbuhan kinerja yang berkualitas (#VJME 4USPOH 'PVOEBUJPO). Dengan tetap memperhatikan kondisi makroekonomi serta faktor-faktor lain yang berpotensi mempengaruhi kinerja Perseroan, target yang disusun di antaranya adalah: 1. Pertumbuhan aset diharapkan dapat mencapai 13%. 2. Dana Pihak Ketiga ditargetkan dapat meningkat sekitar 17%. 3. Penyaluran kredit diproyeksikan tumbuh sekitar 15%. Untuk kredit bermasalah atau NPL Gross, diperkirakan berada di kisaran 2,53%.

Meanwhile the focus of the Company in 2015 is mainly placed on the improvement and strengthening the bank fundamentals as the foundation to achieve better performance in the future, through the growth of quality performance (Build Strong Foundation). With regard to the macroeconomic conditions and other factors that could potentially affect the Company’s performance, the targets prepared include: 1. Asset growth is expected to reach 13%. 2. Third Party Fund is targeted to increase by around 17%. 3. Loan is projected to grow by around 15%. Non-performing loans or NPL Gross is estimated in the range of 2.53%.

Strategi

Strategy

Untuk mencapai target yang telah ditetapkan diatas, beberapa strategi yang telah disiapkan di antaranya adalah: 1. Di bidang penghimpunan dana, Perseroan akan meningkatkan kualitas produk keuangan yang sudah ada serta melakukan strategi cross selling dan aliansi produk, yang diharapkan mampu menumbuhkan current account saving account (CASA).

To achieve the targets, several strategies prepared include: 1. In the area funding, the Company will improve the quality PG FYJTUJOH mOBODJBM QSPEVDUT BOE DPOEVDU DSPTTTFMMJOH strategy and product alliance, which are expected to grow current account savings account (CASA).

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

LAPORAN DIREKTUR UTAMA

2. Terkait dengan kualitas kredit, Perseroan akan fokus pada perbaikan kredit bermasalah. 3. Menyiapkan right issue Perseroan dalam rangka meningkatkan permodalan.  .FOJOHLBULBO LVBMJUBT TFLUPS QFOVOKBOH QSPmUBCJMJUBT  seperti layanan, jaringan, serta teknologi informasi. 5. Memperluas dan mengembangkan kerja sama dengan bank koresponden maupun institusi keuangan non-bank untuk mendukung pengembangan bisnis Perseroan, di antaranya peningkatan remitansi.

2. With regard to credit quality, the Company will focus on the improvement of non-performing loans. 3. Prepare the Company’s rights issue in order to increase capital.  *NQSPWFUIFRVBMJUZPGQSPmUBCJMJUZTVQQPSUJOHTFDUPST TVDI as services, networks, and information technology. 5. Expand and develop cooperation with correspondent CBOLT BOE OPOCBOL mOBODJBM JOTUJUVUJPOT UP TVQQPSU UIF development of the Company’s business, including an increase in remittances.

Kebijakan Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility Policy

Kendati bank bjb menghadapi beragam tantangan yang tidak ringan, baik dari eksternal akibat perlambatan ekonomi maupun di internal, Bank tetap menjalankan komitmennya di bidang tanggung jawab sosial perusahaan (CSR).

Despite bank bjb facing various heavy challenges, either as a result of the external economic slowdown and internal DPOEJUJPO  UIF #BOL LFQU JUT DPNNJUNFOU JO UIF mFME PG corporate social responsibility (CSR).

Sepanjang tahun 2014, realisasi penggunaan dana CSR yang telah disalurkan oleh bank bjb sebesar Rp19,64 miliar. Dana tersebut, di antaranya dimanfaatkan untuk program: • Kepedulian dalam mengurangi emisi karbon diwujudkan melalui dukungan terhadap car free day lewat bantuan 20 (dua puluh) unit sepeda kepada Unit Polisi Pariwisata Satuan Sabhara Polrestabes Kota Bandung untuk menjalankan fungsinya dalam melaksanakan patroli untuk menjaga ketertiban dan keamanan car free day. • Bertepatan dengan HUT ke-53, bank bjb bekerja sama dengan FK3I (Forum Komunikasi Kader Konservasi Indonesia) melakukan Penanaman 1.000 Pohon di TAHURA (Taman Hutan Rakyat) Ir. H. Djuanda Provinsi Jawa Barat. • Pengembangan sumber daya manusia melalui edukasi bahasa Inggris, seperti :PVUI 4QFBL 'VO %BZ yang diselenggarakan oleh ISLC (Indonesia Student Leadership Camp) III bersama Universitas Indonesia. • Turut serta dalam program “Gerakan Seribu Buku“, berupa pemberian buku-buku bacaan, buku tulis serta rak buku bagi sekolah dan siswa Sekolah Dasar. • Menoptimalkan Sistem Pengaduan Konsumen yang merupakan salah satu bentuk peningkatan perlindungan nasabah dalam rangka menjamin hak-hak nasabah dalam berhubungan dengan Bank.

Throughout 2014, the CSR fund disbursed by the bank bjb amounted to Rp19.64 billion. The fund was used among others for the following programs: • The concern in reducing carbon emissions realized through the support to car free day through the donation of 20 (twenty) units of bicycles to the Tourism Police Unit, Unit Sabhara Polrestabes Bandung, to perform its function in carrying out patrols to maintain order and security in car free day. • Coinciding with its 53rd anniversary, bank bjb in cooperation with FK3I (the Indonesian Conservation Cadre Communication Forum) conducted planting of 1,000 trees in Ir. H. DJuanda TAHURA Park in West Java Province. • The development of human resources through education in English, such as the Youth Speak Fun Day organized by ISLC (Indonesian Student Leadership Camp) III together with the Universitas Indonesia. • Participation in the program “Movement of Thousand Books”, namely the provision of textbooks, notebooks, and book shelves for schools and elementary school students. • Optimizing Consumer Complaint System as one form of increased customer protection in order to guarantee the rights of customers in dealing with the Bank.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

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Peningkatan Kualitas Sumber Daya Manusia

,PSURYLQJ7KH4XDOLW\RI+XPDQ5HVRXUFHV

Bagi bank bjb, karyawan merupakan aset yang sangat berharga dalam mendukung pertumbuhan bisnis Perseroan. Untuk itu, Bank secara serius memperhatikan keberadaan SDM, sejak dari rekrutmen hingga pengembangan talenta.

For bank bjb, the employee is a valuable asset in supporting the growth of the Company’s business. To that end, the Bank provides serious attention to the existence of human resources, from recruitment to talent development.

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Rekrutmen Untuk rekrutmen karyawan baru, Perseroan memiliki dua jalur, yaitu rekrutmen fresh graduate. Rekrutmen ini merupakan tenaga kerja baru lulus perguruan tinggi dengan status pegawai non pendidikan. Selama tahun 2014, telah terjaring 1.536 tenaga baru. Termasuk di antaranya, 490 tenaga alih daya bank bjb yang diangkat menjadi calon pegawai tetap melalui jalur rekrutmen internal bank bjb. Selain fresh graduate, dilaksanakan juga program rekrutmen individual. Rekrutmen ini merupakan pengadaan tenaga berpengalaman pada bidang pekerjaan tertentu yang diselaraskan dengan kebutuhan pencapaian kinerja bank bjb. Rekrutmen tahun 2014 telah menjaring 29 tenaga individual hire.

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Pengembangan Setiap pegawai bank bjb memiliki kesempatan yang setara dalam proses pengembangan karir sesuai dengan kinerja, kompetensi, pengalaman dan kriteria lainnya yang ditetapkan, serta kesempatan dalam mendapatkan pendidikan dan pelatihan. Divisi Pendidikan dan Pelatihan terus berkoordinasi dengan Divisi SDM dan unit kerja terkait dalam meningkatkan kompetensi seluruh pegawai di bank bjb.

Recruitment For the recruitment of new employees, the Company has two lines, namely the recruitment of fresh graduates. This is the recruitment of recently graduated employees with the status of non-education employee. During 2014, 1,536 new employees were recruited. Among others, 490 outsourcing personnel who were appointed as permanent employee candidates through bank bjb internal recruitment.

In addition to fresh graduates, there is also the individual recruitment program. This recruitment is the provision of experienced personnel in certain occupations aligned with the needs of the the bank bjb to achieve performance. In 2014, the Bank recruited 29 employees of individual hire.

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Development Each employee of bank bjb has equal opportunities in the career development process in accordance with the performance, competence, experience and other criteria set forth and the opportunity to obtain education and training. The Education and Training Division continues to coordinate with the Human Resources Division and the related units in improving the competence of bank bjb employees

Sesuai dengan Pedoman Persyaratan Pelatihan Pegawai bank bjb yang didasarkan pada Sistem Grading, bank bjb membagi pelatihan menjadi tiga kategori: Pelatihan utama, pelatihan teknikal dan pelatihan soft skill.

In accordance with bank bjb’s Guidelines for Employee Training based on the Grading System, bank bjb divides the training into three categories: primary training, technical training and soft skills training.

Pelaksanaan pengembangan pegawai di bank bjb selalu dievaluasi secara berjenjang. Evaluasi tersebut terdiri dari: • Evaluasi Training Level 1. Untuk mengukur tingkat kepuasan peserta setelah mengikuti training. Selain itu untuk mengetahui opini dari para peserta mengenai training yang diikutinya.

bank EME·s employee development is always evaluated in stages. The Evaluations includes: • Training Evaluation Level 1, namely measuring the level of satisfaction of the participants after the training. Moreover, to know the opinion of the participants of the training they followed.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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Evaluasi Training Level 2: Untuk mengukur sejauh mana materi yang diberikan selama pelatihan telah dipahami, dihayati dan diingat oleh para peserta. Evaluasi Training Level 3. Untuk mengetahui seberapa jauh perubahan yang terjadi pada diri peserta pada saat peserta kembali ke lingkungan pekerjaannya setelah mengikuti training, khususnya perubahan pada perilaku ketiga domain kompetensi (knowledge, skills dan attitudes). Evaluasi Training Level 4. Untuk mengukur sejauh mana training yang dilakukan memberikan dampak/ hasil (result) terhadap peningkatan kinerja para peserta hasil pelatihan, unit kerja, maupun perusahaan secara keseluruhan.

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Training Evaluation Level 2: To measure to what extent the material covered in the training have been understood, internalized and remembered by the participants. t 5SBJOJOH&WBMVBUJPO-FWFM5PmOEPVUIPXGBSUIFUIF participants changed after the participants returned to his/ her work after following the training, especially the changes in the behavior of the three domains of competence (knowledge, skills and attitudes). • Training Evaluation Level 4. To measure to what extent the training conducted has provide an impact/ outcome (result) to increase the performance of the participants, work units, as well as the Company as a whole.

Penerapan GCG

GCG Implementation

Bagi Perseroan, penerapan prinsip-prinsip tata kelola perusahaan yang baik (GCG) telah menjadi bagian dalam proses bisnis yang dijalankan. Sejak dari perencanaan hingga eksekusi dan evaluasi, selalu dibatasi oleh pengelolaan manajemen risiko.

For the Company, the application of the principles of good corporate governance (GCG) has become part of the business process. Planning to execution and evaluation are always constrained by risk management.

Hingga saat ini, pengelolaan risiko terus dijalankan dan dikembangkan. Mulai dari perencanaan hingga pelaksanaan kegiatan, Perseroan selalu berupaya membangun kerangka manajemen risiko agar proses bisnis di lingkungan Perseroan dapat berjalan secara berkesinambungan.

Until now, risk management has been carried out and continued to be developed. Starting from the planning to the implementation of activities, the Company has always tried to build a risk management framework in order for the business processes within the Company to run continuously.

Di antara kebijakan di bidang manajemen risiko adalah pada bagian kredit. Perseroan telah melaksanakan fungsi four eyes principles dalam proses pemberian kredit. Melalui prinsip ini, pelaksanaan kewenangan memutus kredit harus dilakukan bersama-sama, minimal oleh dua pejabat kredit.

"NPOHUIFQPMJDJFTJOUIFmFMEPGSJTLNBOBHFNFOUJTSFMBUFEUP credit. The Company has been applying the functions of four eyes principles in the credit granting process. Through this principle, loan approval should be performed together at least CZUXPDSFEJUPGmDFST

Pada intinya, Perseroan akan terus mengembangkan pengelolaan kebijakan dan prosedur manajemen risiko. 5FSNBTVLEJEBMBNOZBBEBMBIUFSLBJUEFOHBOQSPmMSJTJLPZBOH berpotensi dihadapi oleh Perseroan, melalui pengembangan standar-standar pengukuran risiko kredit.

In essence, the Company will continue to develop the management of risk management policies and procedures, JODMVEJOH UIF SJTL QSPmMF QPUFOUJBMMZ GBDFE CZ UIF $PNQBOZ  through the development of credit risk measurement standards.

Untuk penilaian GCG secara mandiri pada tahun 2014 yang dilakukan sesuai dengan standar dari Surat Edaran Bank Indonesia Nomor 15/15.DPNP Perihal Pelaksanaan Good Corporate Governance Bagi Bank Umum, Perseroan mendapat peringkat 2. Hal ini mencerminkan bahwa Manajemen telah menerapkan prinsip GCG yang secara umum baik.

In 2014 GCG self-assessment was conducted in accordance with the standards of Bank Indonesia Circular Letter No. 15/ 15.DPNP on the implementation of Good Corporate Governance for Commercial Banks. The Company’s ($( JNQMFNFOUBUJPO XBT SBOLFE  5IJT SFnFDUT UIBU UIF management has implemented commonly good GCG principles.

bank bjb Laporan Tahunan 2014

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33

Perubahan Komposisi Direksi

Change In The Composition of The Board of Directors

Sepanjang tahun 2014, komposisi Direksi Perseroan dua kali mengalami perubahan, yang diputuskan melalui dua kali Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). Pertama dilakukan pada 1 Juli dan kedua pada 19 Desember. Setelah melalui beragam perubahan tersebut, saat ini susunan Direksi adalah: Direktur Utama : Ahmad Irfan Direktur Kepatuhan dan Manajemen Risiko : Zaenal Aripin Direktur Mikro : Agus Gunawan Direktur Operasional : Benny Santoso Direktur Konsumer : Fermiyanti Direktur Keuangan : Nia Kania Direktur Komersial : Suartini

Throughout 2014, the composition of the Board of Directors was amended twice, which was decided by two Extraordinary (FOFSBM .FFUJOHT PG 4IBSFIPMEFST &(.

 mSTU QFSGPSNFE JO July 1 and the second in December 19. After going through a variety of changes, below is the current composition of the Board of Directors: President Director : Ahmad Irfan Director of Compliance and Risk Managemen : Zaenal Aripin Micro Director : Agus Gunawan Director of Operations : Benny Santoso Consumer Director : Fermiyanti Finance Director : Nia Kania Commercial Director : Suartini

Kami mengucapkan selamat bergabung dalam jajaran Direksi, untuk bersama-sama mengemban amanah dalam menjalankan usaha Perseroan. Kepada jajaran Direksi sebelumnya, kami mengucapkan terima kasih atas segala upaya yang telah diberikan kepada Perseroan selama menjabat.

We welcome the members of the Board of Directors to jointly carry out the mandate in running the Company’s business. To the previous members of the Board of Directors, we thank you for all the efforts given to the Company during your tenure.

Apresiasi

Appreciation

Atas nama segenap jajaran Direksi, kami juga menyampaikan terima kasih kepada para pemegang saham yang telah memberikan kepercayaan atas pengelolaan Perseroan. Penghargaan yang setinggi-tingginya juga kami sampaikan kepada jajaran manajemen dan karyawan yang telah bekerja keras, bahu-membahu, serta berdedikasi dalam mewujudkan visi dan misi Perseroan.

On behalf of the Board of Directors, I would also like to thank the shareholders for their trust placed on the management of the Company. We also express our highest appreciation to the management and the employees who have worked hard, shoulder to shoulder, as well as dedicated in realizing the vision and mission of the Company.

Kepada pemangku kepentingan diluar Perseroan, khususnya nasabah dan regulator, kami juga menyampaikan terima kasih atas dukungannya selama ini. Semoga semua yang sudah dicapai tidak membuat kami berhenti berkarya dan berinovasi.

To the outside stakeholders of the Company’s, especially customers and regulators, we also express our gratitude for the support. We hope our achievements will not stop us from working and innovating.

Ahmad Irfan Direktur Utama President Director

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

34

DIREKSI

Ahmad Irfan

Agus Gunawan

Suartini

Direktur Utama President Director

Direktur Mikro Managing Director – Micro

Direktur Komersial Managing Director – Commercial

bank bjb Laporan Tahunan 2014

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35 %2$5'2)',5(&7256

)HUPL\DQWL

Zaenal Aripin

Nia Kania

Benny Santoso

Direktur Konsumer Managing Director – Consumer

Direktur Kepatuhan dan Manajemen Risiko Managing Director – Compliance and Risk Management

Direktur Keuangan Managing Director – Finance

Direktur Operasional Managing Director – Operational

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

36

TANGGUNG JAWAB PELAPORAN TAHUNAN 2014 5(63216,%,/,7<)25$118$/5(3257,1*

Laporan Tahunan ini, beserta laporan keuangan dan informasi lain yang terkait, merupakan tanggung jawab penuh Dewan Komisaris bank bjb dengan membubuhkan tanda tangannya masing-masing di bawah ini pada bulan Maret 2015.

5IJT"OOVBM3FQPSUJODMVEJOHUIFBVEJUFEmOBODJBMSFQPSUBOE related information are the responsibility of the management of bank bjb and have been approved by members of the Board of Commissioners whose signatures appear below in March 2015.

Dewan Komisaris %RDUGRI&RPPLVVLRQHUV

7DXÀHTXUDFKPDQ5XNL Komisaris Utama President Commissioner

*

Muhadi

Wawan Ridwan

Achmad Baraba

Komisaris Commissioner

Komisaris Commissioner

Komisaris Independen Independent Commissioner

Klemi Subiyantoro

Yayat Sutaryat

Rudhyanto Mooduto

Komisaris Independen Independent Commissioner

Komisaris Independen Independent Commissioner

Komisaris Independen Independent Commissioner

Pada saat Laporan Tahunan ini diterbitkan telah menjabat sebagai Pjs Ketua KPK, sehingga tidak memungkinkan menandatangani Laporan Tahunan Perseroan Tahun 2014. (Surat Pernyataan di halaman 38)

bank bjb Laporan Tahunan 2014

*

At the time this Annual Report is published he serves as Acting Chairman of KPK, and is forbidden to sign this 2014 Annual Report (Statement in Page 38)

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

37

Laporan Tahunan ini, beserta laporan keuangan dan informasi lain yang terkait, merupakan tanggung jawab penuh Direksi bank bjb dengan membubuhkan tanda tangannya masingmasing di bawah ini pada bulan Maret 2015.

5IJT"OOVBM3FQPSUJODMVEJOHUIFBVEJUFEmOBODJBMSFQPSUBOE related information are the responsibility of the management of bank bjb and have been approved by members of the Board of Directors whose signatures appear below in March 2015.

Direksi %RDUGRI'LUHFWRUV

Ahmad Irfan Direktur Utama President Director

Zaenal Aripin

Nia Kania

Suartini

Direktur Kepatuhan dan Manajemen Risiko Managing Director – Compliance and Risk Management

Direktur Keuangan Managing Director – Finance

Direktur Komersial Managing Director – Commercial

)HUPL\DQWL

Agus Gunawan

Benny Santoso

Direktur Konsumer Managing Director – Consumer

Direktur Mikro Managing Director – Micro

Direktur Operasional Managing Director – Operational

bank bjb Annual Report 2014

38

TANGGUNG JAWAB PELAPORAN TAHUNAN 2014

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF (PPE$PSQPSBUF(PWFSOBODF $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT $PSQPSBUF%BUB

39 5(63216,%,/,7<)25$118$/5(3257,1*

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bank bjb Annual Report 2014

40

3URÀO Perusahaan &RPSDQ\3URÀOH

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

42

,1)250$6,80803(586$+$$1 &203$1<*(1(5$/,1)250$7,21

Nama Perusahaan

PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

Nama Panggilan

bank bjb

Alamat Kantor Pusat

Menara bank bjb Jl. Naripan No. 12-14 Bandung 40111

Bidang Usaha

Perbankan

Dasar Hukum Pendirian

Akta No. 4 Tahun 1999 yang dibuat di hadapan Ny. Popy Kuntari Sutresna SH. Notaris di Bandung

Name of Company Call Name )FBE0GmDF"EESFTT

Banking Dasar Hukum Pendirian

Deed No. 4/1999 made before Ms. Popy Kuntari Sutresna SH. Notary at di Bandung Telepon

+6222-4234868

Phone

Faksimili

+6222-4206099

Facsimile

Tanggal Pendirian

20 Mei/May 1961

Founded

Modal Dasar

Rp4.000.000.000.000,-

Modal ditempatkan dan disetor penuh

Sebanyak 9.696.291.166 lembar saham dengan nilai nominal sebesar Rp2.424.072.791.500

Authorized Capital Issued and Fully Paid-Up Capital

Amounted to 9,696,291,166 shares with a nominal of Rp2,424,072,791,500 Bursa Efek

Bursa Efek Indonesia

Kode Saham

BJBR

Komposisi Pemegang Saham

Pemda Provinsi Jawa Barat (38,26%), Pemda Provinsi Banten (5,37%), Pemda Kota-Kabupaten Se-Jawa Barat (23,61%), Pemda Kota-Kabupaten Se-Banten (7,76%) dan Publik (25%)

Stock Exchange Share Code Share Holder Composition

West Java Provincial Government (38.26%), Banten Provincial Government (5.37%), West Java Municipal Government (23.61%), Banten Municipal Government (7.76%) and Public (25%) Data Anak Perusahaan

-

Jumlah Aset

Rp75,836 Triliun

Jumlah Jaringan Kantor

1 62 312 318 133 11 1.191

Website

http://www.bankbjb.co.id

E-mail Perusahaan

[email protected] or [email protected]

Call Center

14049

bank bjb Laporan Tahunan 2014

bank bjb Syariah (97,70%) - Perbankan PD. BPR LPK Garutkota (46.50%) - Perbankan PD. BPR LPK Jalancagak (51,00%) - Perbankan

Kantor Pusat )FBE0GmDF Kantor Cabang #SBODI0GmDFT Kantor Cabang Pembantu 4VC#SBODI0GmDFT Kantor Kas Cash Units Payment Point Payment Points Kas Mobil Keliling Mobile Cash Service ATM bank bjb bank bjb ATMs

Subsidiaries Data

Total Assets 0GmDF/FUXPSL

Website Corporate E-mail Call Center

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

43

SEKILAS bank bjb bank bjb ,1%5,()

PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. yang dikenal dengan nama bank bjb, adalah bank umum yang sahamnya dimiliki oleh Pemerintah Provinsi Jawa Barat, Pemerintah Provinsi Banten, pemerintah kota/kabupaten se-Jawa Barat dan Banten, dan publik. Awal berdirinya bank bjb bermula dari NV DENIS (De Erste Nederlansche Indische Shareholding), yang berkedudukan di Bandung dan bergerak di bidang hipotek. Perusahaan ini merupakan salah satu perusahaan milik Belanda yang dinasionalisasi berdasarkan Peraturan Pemerintah (PP) Republik Indonesia (RI) Nomor 33 Tahun 1960 tentang Penentuan Perusahaan di Indonesia Milik Belanda yang Dinasionalisasi.

PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. known as bank bjb, is a commercial bank owned by the Provincial Government West Java, Provincial Government of Banten, all city and regency governments in West Java and Banten, and the public. The establishment of bank bjb initiated from NV DENIS (De Erste Nederlansche Indische shareholding), which was based in Bandung, engaged in mortgages and one of the Dutch-owned companies nationalized under Government Regulation (PP) of the Republic of Indonesia (GoI) No. 33 of 1960 about the determination of Dutch Companies in Indonesia.

bank bjb Annual Report 2014

44

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

SEKILAS bank bjb

Sebagai tindak lanjut dari Peraturan Pemerintah tersebut, Pemerintah Provinsi Jawa Barat mendirikan “PT Bank Karja Pembangunan Daerah Djawa Barat” dengan modal dasar dari kas daerah sebesar Rp2.500.000, berdasarkan Akta Pendirian No.125 tanggal 19 November 1960 juncto. Akta Perubahan No.152 tanggal 21 Maret 1961 dan Akta Perubahan No.84 tanggal 13 Mei 1961, keduanya dibuat di hadapan Noezar, Notaris di Bandung. serta dikukuhkan dengan Surat Keputusan (SK) Gubernur Provinsi Jawa Barat Nomor 7/ GKDH/BPD/61 tertanggal 20 Mei 1961 tentang Pembentukan Perusahaan Daerah PT Bank Karja Pembangunan Daerah Djawa Barat.

As a follow-up of the regulation, the Government of West Java Province established the “PT Bank Karja Pembangunan Daerah Djawa Barat” capital base of local cash amounting to Rp2,500,000, by Deed 125 dated November 19, 1960 in conjunction by Deed of notary Noezar Number 152 Date March 21, 1961 and Number 184 dated May 13, BOEDPOmSNFECZUIF%FDSFF 4,

8FTU+BWB1SPWJODF Governor No. 7/GKDH/BPD/61 dated May 20, 1961 concerning the establishment of regional PT Bank Karja Pembangunan Daerah Djawa Barat.

Dalam rangka penyesuaian dengan ketentuan UndangUndang Republik Indonesia No.13 Tahun 1962 tentang Ketentuan-ketentuan Pokok Bank Pembangunan Daerah, bentuk hukum Perseroan diubah dari Perseroan Terbatas Bank Karja Pembangunan Daerah Djawa Barat menjadi Bank Pembangunan Daerah Jawa Barat berdasarkan Peraturan Daerah Provinsi Jawa Barat No.11/PD-DPRD/1972 tanggal 27 Juni 1972 tentang Penyempurnaan Kedudukan Hukum Bank Karja Pembangunan Daerah Djawa-Barat. Nama PD Bank Karja Pembangunan Daerah Jawa Barat selanjutnya diubah menjadi BPD Jabar sesuai Perda Provinsi Jawa Barat Nomor 1/DP-040/PD/1978 Tanggal 27 Juni 1978. Pada tahun 1992 sesuai dengan Surat Keputusan Bank Indonesia No.25/84/KEP/DIR tanggal 2 November 1992 status BPD Jabar meningkat menjadi bank umum devisa. Berdasarkan Peraturan Daerah Nomor 11 Tahun 1995, BPD Jabar memiliki sebutan Bank Jabar dengan logo baru.

To improve the legal status of the West Java Regional Development Bank, Regional Regulation (Perda) No. 11/ PDDPRD West Java province/72 Date June 27, 1972 was issued concerning the Legal Status of the Bank’s operations in West Java Regional Development as a local company (PD) which is engaged in banking. In further developments, the name of PD Regional Development Bank’s work changed to BPD Jabar through the West Java Provincial Law No. 1/DP040/PD/1978 dated June 27, 1978. Along with the increased activity and customer needs, in 1992 the status of BPD Jabar was upgraded to a foreign exchange commercial bank based on the Decree of Bank Indonesia (BI) Number 25/84/KEP/DIR on November 2, 1992. Furthermore, based on Regulation No. 11 of 1995, this bank has the name of Bank Jabar with a new logo.

Berdasarkan Peraturan Daerah Provinsi Daerah Tingkat I Jawa Barat No.22 Tahun 1998 tanggal 14 Desember 1998 tentang Perubahan Bentuk Hukum Bank Pembangunan Daerah Jawa Barat dari Perusahaan Daerah menjadi Perseroan Terbatas (PT). Bentuk hukum Bank Pembangunan Daerah Jawa Barat berubah yang semula Perusahaan Daerah menjadi Perseroan Terbatas. Perda tersebut dituangkan lebih lanjut pada Akta Pendirian Nomor 4 Tanggal 8 April 1999 juncto Akta Perbaikan Nomor 8 Tanggal 15 April 1999 keduanya dibuat di hadapan Popy Kuntari Sutresna, S.H., Notaris di Bandung yang telah memperoleh pengesahan Menteri Kehakiman RI berdasarkan Surat Keputusan No.C2-7103.HT.01.01.TH.99 tanggal 16 April 1999, didaftarkan dalam Daftar Perusahaan di Kantor Pendaftaran Perusahaan Kab/Kodya Bandung di bawah No.871/BH.10.11/IV/99 tanggal 24 April 1999, serta telah diumumkan dalam Berita Negara Republik Indonesia No.39 tanggal 14 Mei 1999, Tambahan No.2811, bentuk hukum Bank Jabar diubah dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT).

Pursuant to the West Java Provincial Decree No. 22 dated December 14, 1998 about the change of legal status of the Regional Development Bank of West Java from a regional corporation to be a limited liability company, the legal status of the Regional Development Bank of West Java was changed to be a Limited Liability Company. The regional government decree was later authorised by the Deed of Establishment No. 4 dated April 8, 1999 juncto Deed of Amendment No. 8 dated April 15, 1999, which were written before Popy Kuntari Sutresna, Notary in Bandung as approved by the Ministry of Law Republic of Indonesia by virtue of the Decree No. C27103.HT.01.01.TH.99 dated April 16, 1999, registered in the $PNQBOZ3FHJTUSZ0GmDF/P#)*7EBUFE"QSJM 24, 1999, and announced on State Gazette No. 39 dated May 14, 1999, supplemental No. 2811, the legal status Bank Jabar was changed from a Regional Corporation to a Limited Liability Company.

bank bjb Laporan Tahunan 2014

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

45 bank bjb,1%5,()

Untuk memenuhi meningkatnya kebutuhan masyarakat akan jasa layanan perbankan yang berlandaskan syariah, sesuai dengan izin BI Nomor 2/18/ DpG/DPIP Tanggal 12 April 2000 maka sejak tanggal 15 April 2000 Bank Jabar menjadi bank pembangunan daerah pertama di Indonesia yang menjalankan dual banking system, yaitu memberikan layanan perbankan dengan sistem konvensional dan sistem syariah.

To meet public demand for services based on Sharia banking principles, in accordance with the permission letter of BI No. 2/18/DpG/DPIP on 12 April 2000, Bank Jabar became on April  UIFmSTUSFHJPOBMEFWFMPQNFOUCBOLJO*OEPOFTJBUP run a dual banking system, which provides banking services with both conventional and sharia systems.

Berdasarkan Rapat Umum Pemegang Saham (RUPS) tanggal 16 April 2001 disetujui peningkatan modal dasar Bank Jabar menjadi Rp1 triliun. Selanjutnya, berdasarkan hasil keputusan RUPS yang diselenggarakan pada tanggal 14 April 2004 berdasarkan Akta Nomor 10 Tanggal 14 April 2004, modal dasar Bank Jabar dinaikkan dari Rp1 triliun menjadi Rp2 triliun. Melihat perkembangan prospek usaha yang terus membaik, hasil RUPS tanggal 5 April 2006 menetapkan kenaikan modal dasar Bank Jabar dari Rp2 triliun menjadi Rp4 triliun.

The result of the general meeting of shareholders (AGM) April 16, 2001 was to increase authorized capital of Bank Jabar to 3QUSJMMJPOGPSNPSFnFYJCJMJUZUPFYFDVUFJUTCVTJOFTTFYQBOTJPO Furthermore, based on resolution at the AGM held on April 14, 2004 by Act No. 10 on April 14, 2004, the authorized capital of the Bank Jabar was increased from Rp1 trillion to Rp2 trillion. Seeing the development of business prospects continuing to improve, the results of April 5, 2006 AGM set the authorized capital increase of Bank Jabar of Rp2 trillion to Rp4 trillion.

Pada bulan November 2007, sebagai tindak lanjut SK Gubernur BI Nomor 9/63/kep.gbi/2007 tentang Perubahan Izin Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Barat Menjadi Izin Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Barat dan Banten, dilaksanakan penggantian call name dari “Bank Jabar” menjadi “Bank Jabar Banten”.

In November 2007, following the issuance of Bank Indonesian Governor Decree No. 9/63/kep.gbi/2007 on Amendment to Business License on behalf of PT Bank Pembangunan Daerah Jawa Barat had a Business License on behalf of PT Bank Pembangunan Daerah Jawa Barat dan Banten, renaming Bank Jabar to “Bank Jabar Banten”.

Sehubungan dengan kegiatan usaha perbankan syariah, Bank Jabar Banten melakukan pemisahan (spin off) unit usaha syariah menjadi bank syariah dengan nama PT Bank Jabar Banten Syariah. Berdasarkan Akta Pendirian Perseroan Terbatas, PT Bank Jabar Banten Syariah No.4 tanggal 15 Januari 2010, dibuat oleh Fathiah Helmi, S.H., Notaris di Jakarta, bank bjb memiliki penyertaan sebanyak 1.980.000.000 (satu miliar sembilan ratus delapan puluh juta) saham yang merupakan 99% (sembilan puluh sembilan persen) dari seluruh saham yang telah ditempatkan dan disetor penuh dalam Anak Perusahaan. Bank Jabar Banten Syariah memperoleh izin usaha dari Bank Indonesia sesuai dengan Keputusan Gubernur Bank Indonesia No.12/35/KEP. GBI/2010 tanggal 30 April 2010 Tentang Pemberian Izin Usaha PT Bank Jabar Banten Syariah.

In relation to the Islamic banking business, the Company spun off the Sharia business unit into a Sharia bank with the name PT Bank Jabar Banten Syariah. Based on the Deed of Establishment of Limited Liability Companies, PT Bank Jabar Banten Syariah No.4 dated January 15, 2010, made by Fathiah Helmi, SH, Notary in Jakarta, bank bjb has an investment of 1,980,000,000 (one billion nine hundred eighty million) shares representing 99% (ninety nine percent) of all shares issued and fully paid shares in the Subsidiary. Bank Jabar Banten Sharia has obtained a license from Bank Indonesia in accordance with the Decision of the Governor of Bank Indonesia No.12/35/ KEP.GBI/2010 dated April 30, 2010 about Granting License to PT Bank Jabar Banten Syariah.

Seiring dengan perkembangan jaringan kantor yang lebih luas maka berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Jawa Barat dan Banten Nomor 26 tanggal 21 April 2010 dan sesuai Surat Bank Indonesia No. 12/78/APBU/Bd tanggal 30 Juni 2010 perihal Rencana Perubahan Logo, serta Surat Keputusan Nomor 1337/SK/ DI(R-PPN/2010 tanggal 5 Juli 2010, maka pada tanggal 8 Agustus 2010 nama “Bank Jabar Banten” resmi berubah menjadi “bank bjb”.

In line with the development of a wider service and based on the results of Extraordinary General Meeting Shareholders of PT Bank Pembangunan Jawa Barat dan Banten No. 26 dated April 21, 2010, in accordance with the Letter of Bank Indonesia 12/78/APBU/Bd dated June 30, 2010 regarding the Logo Amendment Plan and Decree No. 1337/SK/DI (R-PPN/2010 EBUFE+VMZ  UIF$PNQBOZTOBNFPGmDJBMMZDIBOHFEUP “bank bjb” on August 8, 2010.

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46

TONGGAK SEJARAH 0,/(6721(6

bank bjb didirikan GHQJDQQDPD 37%DQN.DUMD 3HPEDQJXQDQ'DHUDK 'MDZD%DUDW\DQJ PHUXSDNDQKDVLO nasionalisasi bank ´19'HQLVµSDGDPDVD SHPHULQWDKDQ%HODQGD bank bjbHVWDEOLVKHG ZLWKWKHQDPHRI 37%DQN.DUMD 3HPEDQJXQDQ'DHUDK 'MDZD%DUDWZKLFK ZDVQDWLRQDOL]HGIURP 19'(1,6D'XWFK Company

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Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

47

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

48

TONGGAK SEJARAH

NV Denis (De Erste Shareholding) – 1915

Nederlansche

Indische

NV Denis (De Erste Shareholding) – 1915

Nederlansche

Indische

De Eerste Nederlandsche-Indische Spaarkas en Hyphoteekbank (DENIS) merupakan salah satu bank tabungan dan hipotek di Hindia Belanda yang berdiri berdasarkan Akta Pendirian No. 40 tanggal 15 September 1915.

De Eerste Nederlandsche-Indische Spaarkas en )ZQIPUFFLCBOL %&/*4    %&/*4 TBJE UP CF UIF mSTU based on Act No. 40 dated September 15, 1915, saving and mortgage bank is in the East Indies.

Sejarah Pendirian – 1961

Establishment – 1961

Pendirian Bank Pembangunan Daerah Jawa Barat diawali oleh Peraturan Pemerintah Republik Indonesia nomor 33 tahun 1960 tentang Penentuan Perusahaan di Indonesia Milik Belanda yang dinasionalisasi. Salah satu perusahaan milik Belanda yang berkedudukan di Bandung yang dinasionalisasi yaitu NV Denis (De Erste Nederlansche Indische Shareholding) yang sebelumnya bergerak di bidang bank hipotek. Sebagai tindak lanjut dari Peraturan Pemerintah nomor 33 tahun 1960, Pemerintah Propinsi Jawa Barat berdasarkan Akta Pendirian No.125 tanggal 19 November 1960 juncto Akta Nomor 152 tanggal 21 Maret 1961 dan Akta Nomor 84 tanggal 13 Mei 1961 seluruhnya dibuat Notaris Noezar dan sesuai dengan Surat Keputusan Gubernur Propinsi Jawa Barat nomor 7/GKDH/BPD/61 tanggal 20 Mei 1961 mendirikan Perusahaan Daerah ”PT Bank Karja Pembangunan Daerah Djawa Barat” dengan modal dasar untuk pertama kali berasal dari Kas Daerah sebesar Rp2.500.000,-.

The establishment of Bank Pembangunan Daerah Jawa Barat was triggered by the Indonesian Government Regulation number 33 Year 1960 regarding the nationalisation of Dutchowned companies in Indonesia. One of the Dutch-owned companies based in Bandung that was nationalised was NV Denis (De Erste Nederlansche Indische Shareholding) which was previously engaged in mortgage banking. As a follow-up of the Government Regulation number 33 Year 1960, the Provincial Government of West Java by deed of establishment No. 125 November 19, 1960 with Noezar Deed number 152 dated March 21, 1961 and number 84 dated .BZ BOEDPOmSNFECZUIF%FDSFFPGUIF(PWFSOPS of West Java Province number 7/GKDH/BPD/61 dated May 20, 1961, established the ”PT Bank Karja Pembangunan Daerah Djawa Barat” with authorized starting capital of Rp2,500,000 from the regional government treasury.

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49 0,/(6721(6

Perubahan Badan Usaha – 1978

Changes of business entities – 1978

Untuk menyempurnakan kedudukan hukum PT Bank Karja Pembangunan Daerah Djawa Barat, dikeluarkan Peraturan Daerah Propinsi Jawa Barat nomor 11/PD-DPRD/72 tanggal 27 Juni 1972 tentang kedudukan hukum Bank Karja Pembangunan Daerah Djawa Barat sebagai Perusahaan Daerah yang berusaha di bidang perbankan. Selanjutnya melalui Peraturan Daerah Propinsi Jawa Barat nomor 1/DP040/PD/1978 tanggal 27 Juni 1978, nama “PD Bank Karja Pembangunan Daerah Jawa Barat” diubah menjadi “Bank Pembangunan Daerah Jawa Barat”.

To improve the legal position of the PT Bank Karja Pembangunan Daerah Djawa Barat, the Provincial government issued regulation number 11/PD-DPRD/72 dated June 27, 1972 regarding the legal status of Bank Karya Pembangunan Daerah Djawa Barat as a local enterprise in the banking sector. Furthermore, the name “PD Bank Karja Pembangunan Daerah Jawa Barat” was changed to “Bank Pembangunan Daerah Jawa Barat” by provincial regulation number 1/DP040/PD/1978 dated June 27, 1978.

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Pada tahun 1992 aktivitas Bank Pembangunan Daerah Jawa Barat ditingkatkan menjadi Bank Umum Devisa berdasarkan Surat Keputusan Direksi Bank Indonesia Nomor 25/84/KEP/ DIR tanggal 2 November 1992. Berdasarkan Perda Nomor 11 Tahun 1995 BPD Jawa Barat mempunyai call name “Bank Jabar“ dengan logo baru.

In 1992 Bank Pembangunan Daerah Jawa Barat was upgraded to a Commercial Bank based on the Decree of Bank Indonesia Number 25/84/KEP/DIR dated November 2, 1992, and based on Provincial Regulation No. 11 Year 1995 the name was changed to “Bank Jabar” with a new logo.

Perubahan Bentuk Hukum – 1998

Change of Legal Status – 1998

Dalam rangka mengikuti perkembangan perekonomian dan perbankan, maka berdasarkan Perda Nomor 22 Tahun 1998 dan Akta Pendirian Nomor 4 Tanggal 8 April 1999 berikut Akta Perbaikan Nomor 8 Tanggal 15 April 1999 yang telah disahkan oleh Menteri Kehakiman RI tanggal 16 April 1999, bentuk hukum Bank Jabar diubah dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT).

In order to follow the development of the economy and banking, and based on Provincial Regulation No. 22 Year 1998 and the Deed of Establishment No. 4 dated April 8, 1999 following further amendment No. 8 dated April 15, 1999 dated on April 16, 1999 which was approved by the Minister of Justice of the Republic of Indonesia, the legal status of Bank Jabar was changed from a Regional enterprise (PD) to Limited Liability Company (PT).

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50

TONGGAK SEJARAH

Perluasan Bentuk Usaha – Dual Banking System 2000 Dalam rangka memenuhi permintaan masyarakat akan jasa layanan perbankan yang berlandaskan Syariah, maka sesuai dengan izin Bank Indonesia No. 2/18/DpG/DPIP tanggal 12 April 2000, sejak tanggal 15 April 2000 Bank Jabar menjadi bank pembangunan daerah pertama di Indonesia yang menjalankan dual banking system, yaitu memberikan layanan perbankan dengan sistem konvensional dan dengan sistem syariah.

Expanding Business Entity – Dual Banking System 2000 In order to meet public demand for services based on Sharia principles and in accordance with the consent of Bank Indonesia No. 2/18/DpG/DPIP dated April 12, 2000, Bank +BCBSCFDBNFUIFmSTUSFHJPOBMEFWFMPQNFOUCBOLSVOOJOHB dual banking system. Since April 15, 2000 Bank Jabar has provided banking services within the conventional and the Sharia systems.

Perubahan Nama dan Call Name Bank Jabar Banten – 2007

Change of Name and Call Name “Bank Jabar Banten“ – 2007

Berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa (RUPS-LB) PT Bank Pembangunan Daerah Jawa Barat tanggal 3 Juli 2007 di Bogor, sesuai dengan Surat Keputusan Gubernur Bank Indonesia No. 9/63/KEP.GBI/2007 tanggal 26 November 2007 tentang Perubahan Izin Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Barat menjadi Izin Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Barat dan Banten, serta SK Direksi Nomor 1065/SK/DIR-PPN/2007 tanggal 29 November 2007, maka nama Perusahaan berubah menjadi ”PT Bank Pembangunan Daerah Jawa Barat dan Banten” dengan sebutan (call name) “Bank Jabar Banten”.

Based on Results of the Extraordinary General Shareholders Meeting held in Bogor on July 3, 2007 and in accordance with the Decree of Governor of Bank Indonesia. 9/63/KEP. GBI/2007 dated November 26, 2007 the Bank’s name was changed from PT Bank Pembangunan Daerah Jawa Barat to PT Bank Pembangunan Daerah Jawa Barat and Banten in the Business License into Business License on Behalf of PT Bank Regional Development West Java and Banten, and Decree No. 1065/SK/DIR-PPN Directors /2007 dated November 29, 2007, the Bank’s name changed to PT Bank Pembangunan Daerah Jawa Barat dan Banten, renamed “Bank Jabar Banten”.

Spin Off

Spin Off

Pemisahan (spin off) Unit Usaha Syariah menjadi anak perusahaan yang berdiri sendiri dengan nama “Bank Jabar Banten Syariah” berdasarkan Keputusan Gubernur Bank Indonesia No.12/35/KEP.GBI/2010 tertanggal 30 April 2010 tentang Pemberian Izin Usaha PT Bank Jabar Banten Syariah.

Bank Jabar Banten sharia banking unit was spun off and became a independent subsidiary called “Bank Jabar Banten Syariah” based on the business license from Bank Indonesia and in accordance with the Governor of Bank Indonesia Decree No.12/35/KEP.GBI/2010 dated April 30, 2010 regarding business license for PT Bank Jabar Banten syariah.

Penambahan Nama dan Call Name “bank bjb” – 2010

Change of Name and Call Name “bank bjb“ – 2007

Berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa (RUPS-LB) PT Bank Pembangunan Daerah Jawa Barat & Banten Nomor 26 tanggal 21 April 2010, Surat Bank Indonesia No.12/78/APBU/Bd tanggal 30 Juni 2010 perihal Rencana Perubahan Logo, serta Surat Keputusan Direksi Nomor 1337/ SK/DIR-PPN/2010 tanggal 5 Juli 2010, maka call name ”Bank Jabar Banten” telah resmi diubah menjadi ”bank bjb” pada tanggal 2 Agustus 2010.

Based on results of the Extraordinary General Meeting of Shareholders of PT Bank Pembangunan Daerah Jawa Barat and Banten No. 26 dated April 21, 2010, and in accordance with Bank Indonesia Letter no.12/78/APBU/Bd dated June 30, 2010 regarding the planned logo change and the Board of Directors Decree No. 1337/SK/DIR-PPN/2010 dated July 5,  UIF#BOLIBTPGmDJBMMZDIBOHFEJUTOBNFJOUPiCBOLbjb” on August 2, 2010.

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51 0,/(6721(6

IPO

IPO

Berdasarkan Surat dari Ketua Bapepam dan LK No. S-5901/ BL/2010 Pada tanggal 29 Juni 2010 tentang Pemberitahuan Efektifnya Pernyataan Pendaftaran Bank Jabar Banten, Perseroan melaksanakan penawaran umum perdana saham.

On June 29, 2010, bank bjb obtained Registration Statement from the Chairman of Bapepam and LK based on Letter No. S-5901/BL/2010 to carry out initial public offering (IPO) of shares.

bank bjb merupakan bank pembangunan daerah pertama yang mencatatkan saham perdananya (IPO) di Bursa Efek Indonesia (BEI) pada tanggal 8 Juli 2010. bank bjb menawarkan saham kepada publik sejumlah 2.424.072.500 lembar saham Seri B (termasuk EMSA) dengan harga penawaran Rp600,- per saham dimana dana yang diperoleh dari IPO sekitar Rp1,4 triliun. Pelepasan saham ke masyarakat ini setara dengan 25% dari jumlah modal ditempatkan dan disetor penuh.

bank bjb is a pioneer among regional development banks BT UIF mSTU UP DPOEVDU BO *10  PO UIF *OEPOFTJBO 4UPDL Exchange (IDX) on July 8, 2010. bank bjb offered to the public of 2,424,072,500 Series B shares, (including EMSA) at an offering price of Rp600 per share with total proceeds from the IPO of about Rp1.4 trillion. Shares offered to the public are equivalent to 25% of the total issued and fully paid shares.

Dana yang diperoleh dari hasil Penawaran Umum ini dipergunakan oleh bank bjb untuk penguatan modal perusahaan dalam rangka mendukung ekspansi kredit, terutama sektor UMKM, perluasan jaringan, dan pengembangan teknologi informasi. Penawaran Umum Perdana Saham bank bjb memperoleh minat yang relatif besar dari investor domestik maupun luar negeri. Dalam Penawaran Umum kepada masyarakat tanggal 1, 2 dan 5 Juli 2010, permintaan saham bank bjb mengalami oversubscribed sebesar 11,2 kali untuk porsi pooling.

The funds from the Offering were used by bank bjb to strengthening the Company’s capital to support loan expansion, especially in the SME sector, expansion of networks and information technology development. Future bank bjb plans include to focus growth in the SME sector with the support of existing consumer sectors. bank bjb’s Initial Public Offering obtained relatively large interest from both domestic and foreign investors. In the Initial Public Offering of 1, 2 and 5 July 2010, the demand for bank bjb shares was oversubscribed by 11.2 times in the pooling portion.

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VISI & MISI 9,6,21 0,66,21

VISI 9,6,21 Menjadi 10 bank terbesar dan berkinerja baik di Indonesia. 2QHRIWKHODUJHVWEDQNVZLWKKLJKSHUIRUPDQFHLQ,QGRQHVLD

MISI 0,66,21 • Penggerak dan Pendorong Laju Perekonomian Daerah. • Melaksanakan Penyimpanan Uang Daerah. • Salah Satu Sumber Pendapatan Asli Daerah. ‡ ‡ ‡

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Persetujuan Dewan Komisaris & Direksi Visi dan Misi ini telah disetujui dan ditetapkan oleh Dewan Komisaris dan Direksi melalui Forum yang diselenggarakan secara khusus untuk membahas hal tersebut.

7KH$SSURYDORIWKH%RDUGRI&RPPLVVLRQHUV %RDUG of Directors The Vision and mission have been approved and determined by the Board of Commissioners and Board of Directors through UIF'PSVNIFMETQFDJmDBMMZUPEJTDVTTUIFNBUUFS

*) Visi dan Misi Perusahaan telah disetujui oleh Dewan Komisaris dan Direksi The Vision and Mission of the Company has been approved by the Board of Commissioners and Board of Directors

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NILAI-NILAI PERUSAHAAN &25325$7(9$/8(6

GO S P I R I T S HUYLFH([FHOOHQFH P rofessionalism I ntegrity R espect I ntelligence T rust

Corporate Values

Perilaku Utama

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1. Ramah, tulus, kekeluargaan 2. Selalu memberikan pelayanan prima

1. Pleasant, sincere, friendly 2. Providing good services

Professionalism

3. Cepat, Tepat, Akurat 4. Kompeten dan bertanggung jawab 5. Memahami dan melaksanakan ketentuan perusahaan

3. Fast, precise, accurate 4. Competent and responsible 5. Understanding and implementing company regulation

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6. Konsisten, disiplin, dan penuh semangat 7. Menjaga citra Bank melalui perilaku terpuji dan menjunjung tinggi etika

6. Consistent, disciplined, and exuberant 7. Developing good ethical behaviour to honour company image

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8. Fokus pada nasabah 9. Peduli pada lingkungan

8. Focus on customer 9. Love and concern to environment

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10. Selalu memberikan solusi yang terbaik 11. Berkeinginan kuat untuk mengembangkan diri 12. Menyukai perubahan positif

10. Providing best solution 11. Have strong desire to develop 12. Love the positive change

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13. Menumbuhkan transparansi, kebersamaan dan kerja sama yang sehat 14. Menjaga rahasia bank dan perusahaan

13. Maintaining transparency, togetherness, and good relationships 14. Protect and maintaining Bank and company DPOmEFOUJBMJOGPSNBUJPO

bank bjb Annual Report 2014

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BIDANG USAHA /,1(2)%86,1(66

bank bjb merupakan salah satu Bank Umum milik Pemerintah Daerah di Indonesia yang memiliki nasabah utama berupa perorangan, karyawan, koperasi, BUMD, BUMN, beserta institusi lainnya baik pemerintah maupun swasta.

bank bjb is one of the local government-owned commercial banks in Indonesia which serves private customers, employees, cooperatives, local enterprises, state enterprises, along with other institutions both governmental and private.

Sampai 31 Desember 2014, bank bjb memiliki 62 Kantor Cabang, 312 Kantor Cabang Pembantu, 318 Kantor Kas, 133 Payment Point, 11 mobil kas dan 1.191 ATM.

As of December 31, 2014, bank bjb operated 62 branch PGmDFT   4VC #SBODI 0GmDFT   $BTI 0GmDFT   Payment Points, 11 Mobile Cash units and 1,191 ATMs.

bank bjb telah memiliki nasabah simpanan sebanyak 4.873.020 pihak yang terdiri dari 83,35% nasabah ritel, 7,89% nasabah korporasi, 0,43% nasabah pemerintah dan nasabah institusional sebesar 8,32%. Selain itu bank bjb juga telah menyalurkan pinjamannya kepada 454.191 debitur di seluruh daerah operasional bank bjb yang terdiri dari 77,16% debitur kredit konsumer, 1,44% debitur kredit komersial, 3,78% debitur kredit KPR dan sebesar 17,61% debitur kredit mikro.

bank bjb has 4,873,020 depositing customers, consisting of retail customers 83.35%, corporate customers 7.89%, government customers 0.43% and institutional funding 8.32%. bank bjb has chanelled loans to 454,191 borrowers in the its operational areas. Comprising of consumer loan debtors (77.16%), comercial loans debtors (1.44%), mortgage loan debtors 3.78%, and micro credit debtors (17.61%).

Dalam mencapai visi, misi dan fungsinya, bank bjb melakukan kegiatan usaha yang meliputi:

To achieve its vision, mission and functions, bank bjb conducts the following business activities:

Penghimpunan Dana

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Penghimpunan dana yang dilakukan diarahkan kepada danadana ritel/perorangan disamping mempertahankan nasabah korporasi maupun instansi dan departemen terkait.

Committed funding directed towards retail funds/individuals in addition to maintaining corporate customers as well as agencies and related departments.

Penghimpunan dana dilakukan melalui produk-produk sebagai berikut: Giro • bjb Giro Rupiah • bjb Giro Valas Tabungan • Tabungan bjb Tandamata (Tabungan Anda Masa Datang) • Tabungan bjb Tandamata Gold • Tabungan bjb Tandamata Dollar • Tabungan bjb Tandamata Bisnis • Tabungan bjb Tandamata Berjangka • Tabungan bjb Tandamata Purnabhakti • Simpeda (Simpanan Pembangunan Daerah) • TabunganKu • Tabungan bjb Tandamata My First Deposito • bjb Deposito Berjangka • bjb Deposito Suka-Suka • bjb Deposito Valas • bjb Deposito On Call • bjb Deposito Diskonto

Fund raising was done through the following products:

bank bjb Laporan Tahunan 2014

Current Account • Rupiah bjb Current Account • Foreign bjb Current Account 6DYLQJV • Tabungan bjb Tandamata (Tabungan Anda Masa Datang) • Tabungan bjb Tandamata Gold • Tabungan bjb Tandamata Dollar • Tabungan bjb Tandamata Bisnis • Tabungan bjb Tandamata Berjangka • Tabungan bjb Tandamata Purnabhakti • Simpeda (Simpanan Pembangunan Daerah) • TabunganKu • Tabungan bjb Tandamata My First Time Deposits • bjb Deposito Berjangka • bjb Deposito Suka-Suka • bjb Deposito Valas • bjb Deposito On Call • bjb Deposito Diskonto

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

55

Penyaluran Dana

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Dalam rangka mendukung program Pemerintah untuk meningkatkan ekonomi kerakyatan, maka penyaluran dana lebih diarahkan kepada peningkatan kredit dan pembiayaan ritel yang memberikan multiplier effect kepada seluruh sektor usaha kecil, serta penyaluran program kredit kepada debiturdebitur binaan yang prospektif dengan tetap mengatur kesesuaian penyaluran kredit konsumtif dan produktif secara bertahap. Sedangkan untuk dana-dana yang belum tersalurkan dalam bentuk kredit, dioptimalkan dalam bentuk penempatan dana dan pembelian surat berharga dengan memperhatikan faktor likuiditas, rentabilitas dan risiko.

In order to support governments’ programs to improve the national real economy, the distribution of funds was primarily BJNFE BU UIF JNQSPWFNFOU PG MPBOT BOE SFUBJM mOBODJOH to provide a multiplier effect to the entire small business sector and lending programs to supervised debtors whose prospective lending complies with incremental consumption and productive growth. Funds that have not been channelled in the form of loans are invested in Marketable Securities, UBLJOHJOUPBDDPVOUMJRVJEJUZ QSPmUBCJMJUZBOESJTL

Penyaluran dana dilakukan melalui produk-produk sebagai berikut: 1. Kredit Umum a. bjb Kredit Modal Kerja Umum (KMKU) b. bjb Kredit Investasi Umum (KIU) c. bjb Kredit Modal Kerja Konstruksi (KMKK) d. bjb Kredit Mikro Utama e. bjb Kredit Cinta Rakyat 2. bjb Kredit Resi Gudang 3. bjb Kredit Guna Bhakti (KGB) 4. bjb Kredit Koperasi Karyawan 5. bjb KPR 6. bjb Kredit Kepada Koperasi 7. bjb Kredit Ketahanan Pangan dan Energi 8. bjb Kredit Sindikasi 9. Perusahaan Pembiayaan

Funds are channelled through the following products: 1. Commercial Loans a. bjb General Working Loan (KMKU) b. bjb General Investment Loan (KIU) c. bjb Construction Loan (KMKK) d. bjb Main Micro loan e. bjb Cinta Rakyat Loan 2. bjb Resi Gudang Loan 3. bjb Guna Bhakti Loan 4. bjb Cooperative Employee Loan 5. bjb KPR 6. bjb Loan to Cooperative 7. bjb Food security and energy loans 8. bjb Syndication Loan 9. Financing Company

Selain Penghimpunan dan Penyaluran dana, bank bjb melayani jasa-jasa perbankan lainnya seperti: 1. Reksadana 2. #BODBTTVSBODF 3. 5SBEF'JOBODF4FSWJDFT 4. Produk Treasury 5. Kiriman Uang dan Western Union 6. Inkaso 7. BPDnet Online 8. bjb DPLK (Dana Pensiun Lembaga Keuangan) 9. Transfer Kliring Antar Wilayah (Intercity Clearing) 10. Jaminan Bank (Bank Garansi) 11. Fasilitas Safe Deposit Box (SDB) 12. .PCJMF#BOLJOH (M-ATM Bersama) 13. Layanan bjb Precious 14. Layanan 8FFLFOE#BOLJOH 15. Layanan Kas Mobil

In addition to the Raising and Distributing of funds, bank bjb offers other banking services such as: 1. Mutual Funds 2. Bancassurance 3. Trade Finance & Services 4. Treasury Products 5. Remittances and Western Union 6. Collection 7. BPDnet Online 8. bjb DPLK (Pension Fund) 9. Inter-Regional Transfer Clearing (Intercity Clearing) 10. Guarantee Bank (Bank Guarantee) 11. Safe Deposit Box Facilities (SDB) 12. Mobile Banking (M-ATM Bersama) 13. bjb Precious Priority Service 14. Weekend Banking Services 15. Mobile Cash Service

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

56

STRUKTUR KEPEMILIKAN & GRUP PERUSAHAAN &203$1<2:1(56+,3 *52836758&785( SKEMA PEMEGANG SAHAM UTAMA & PENGENDALI 6&+(0$7,&',$*5$062)0$,1 &21752//,1*6+$5(+2/'(56

Skema/Diagram tentang Pemegang Saham Utama & Pengendali, Baik Langsung Maupun Tidak Langsung VDPSDLNHSDGD3HPLOLN,QGLYLGX

Schematic/Diagrams of Major & Controlling Shareholders, Whether Directly or Indirectly, to The 8OWLPDWH,QGLYLGXDO6KDUHKROGHUV

6NHPD3HPHJDQJ6DKDPEDQNbjbSHULRGH'HVHPEHU bank EME·V Shareholders Structure period December 31, 2014

Pemerintah 3URYLQVL-DZD Barat

Pemerintah Kota/Kabupaten se- Jawa Barat

Pemerintah 3URYLQVL%DQWHQ

Pemerintah Kota/Kabupaten se- Banten

Lokal Perorangan

Lokal Institusi

Perorangan Asing

Institusi Asing

West Java Provincial Government

City Government/ District of West Java

Banten Provincial Government

City Government/ District of Banten

Individuals Local

Institutions Local

Foreign Individuals

Foreign Institutions

38,26%

23,61%

5,37%

5,17%

7,26%

4,01%

0,04%

13,69%

ANAK PERUSAHAAN 68%6,',$5,(6 bank bjb SYARIAH 

PD BPR LPK GARUTKOTA 

PD BPR LPK JALANCAGAK 

bank bjb Laporan Tahunan 2014

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

57

PT ASURANSI BANGUN ASKRIDA  PD BPR LPK SERANG  PD BPR LPK MALINGPING  PD BPR LPK WARUNGGUNUNG  PD BPR LPK CIPANAS 

PERUSAHAAN $626,$6,$),/,$6,

PD BPR LPK SAKETI  PD BPR LPK LEUWILIANG 

$662&,$7,21$)),/,$7,21 &203$1<

PD BPR LPK CITEUREUP  PD BPR LPK PANCORAN MAS  PD BPR LPK SAWANGAN  PD BPR LPK PARUNGPANJANG  PD BPR LPK WARUNGKONDANG  PD BPR LPK ARAHAN KIDUL  PD BPR LPK KROYA  PD BPR LPK BALONGAN  PD BPR LPK CANTIGI KULON  PD BPR LPK SUKRA  PD BPR LPK BONGAS  PD BPR LPK PANYINGKIRAN  PD BPR LPK CIGASONG  PD BPR LPK CINGAMBUL  PD BPR LPK BANJARAN  PD BPR LPK CIBARUSAH  PD BPR LPK SETU  PD BPR LPK PONDOKGEDE  PD BPR LPK CIBITUNG  PD BPR LPK BEKASI/KRANJI  PD BPR LPK SUKATANI  PD BPR LPK CIPATUJAH  PD BPR LPK BOJONGGAMBIR  PD BPR LPK CIMERAK  PD BPR KERTA RAHARJA 

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

58

'$)7$5(17,7$6$1$.'$1 ENTITAS ASOSIASI /,6768%6,',$5,(6$1'$662&,$7,21(17,7,(6

Daftar Penyertaan Modal 3HQ\HUWDDQ0RGDO(TXLW\&DSLWDO Nama Lembaga Institution Name

No.

Bidang Usaha Line of Business

Alamat Address

bank bjb 'DODP5LEXDQ5S,Q 7KRXVDQG5S

%

Status Kepemilikan Ownership Status

"mMJBTJ"GmMJBUJPO

BPR I. KABUPATEN/REGENCY SERANG 1

PD BPR LPK Serang

Perbankan/Banking

Jl. Maulana Hasanudin No. 148 - Serang

SUB JUMLAH

2.400.000

6,63%

2.400.000

6,63%

II. KABUPATEN/REGENCY LEBAK 1

PD BPR LPK Malingping

Perbankan/Banking

Jln. Raden Abas No. 05 Kab. Lebak Banten

210.000

16,03%

"mMJBTJ"GmMJBUJPO

2

PD BPR LPK Warunggunung

Perbankan/Banking

Jl. Raya Rangkasbitung - Pandeglang KM 10

82.500

5,38%

"mMJBTJ"GmMJBUJPO

Perbankan/Banking

Jl. Raya Cipanas KM 33 Kec. Cipanas Kab. Lebak

112.500

6,81%

"mMJBTJ"GmMJBUJPO

150.000

8,06%

"mMJBTJ"GmMJBUJPO

150.000

8,06%

3

PD BPR LPK Cipanas SUB JUMLAH/SUB TOTAL

405.000

III. KABUPATEN/REGENCY PANDEGLANG 1

PD BPR LPK Saketi

Perbankan/Banking

Jl. Raya Malingping No. 20 Saketi Pandeglang

SUB JUMLAH/SUB TOTAL IV. KABUPATEN/REGENCY BOGOR 1 2

PD BPR LPK Leuwiliang PD BPR LPK Citeureup

Perbankan/Banking

Jl. Raya leuwiliang No. 60 Bogor 16640

165.000

4,63%

"mMJBTJ"GmMJBUJPO

Perbankan/Banking

Jl. Alternatif Puspa Nagara No. 101 Bogor

165.000

4,63%

"mMJBTJ"GmMJBUJPO

420.000

10,99%

"mMJBTJ"GmMJBUJPO

3

PD BPR LPK Pancoran Mas

Perbankan/Banking

Jl. Raya Bojong Gede - Citaya, No. 5B Ds. Rawa Panjang Kec. Bojong Gede Kab. Bogor 16320

4

PD BPR LPK Sawangan

Perbankan/Banking

Jl. Abdul Wahab No. 6 Sawangan, Kota Depok

420.000

10,99%

"mMJBTJ"GmMJBUJPO

5

PD BPR LPK Parungpanjang

Perbankan/Banking

Jl. Muhammad Toha No. 78 Parungpanjang, Kabupaten Bogor

420.000

10,99%

"mMJBTJ"GmMJBUJPO

SUB JUMLAH/SUB TOTAL

1.590.000

V. KABUPATEN/REGENCY CIANJUR 1

PD BPR LPK Warungkondang

Perbankan/Banking

Jl. Cilaku No.5 Desa Cikaruya Warungkondang Cianjur

SUB JUMLAH/SUB TOTAL

"mMJBTJ"GmMJBUJPO 2.816.365

VI. KABUPATEN/REGENCY INDRAMAYU 1

PD BPR LPK Arahan Kidul

Perbankan/Banking

Jl. Raya Arahan No. 358 Indramayu

210.000

10,99%

"mMJBTJ"GmMJBUJPO

210.000

10,99%

"mMJBTJ"GmMJBUJPO

2

PD BPR LPK Kroya

Perbankan/Banking

Jl. Raya Kroya No. 9 Kroya Kab. Indramayu

3

PD BPR LPK Balongan

Perbankan/Banking

Jl. Raya Sukaurip No. 30 Kec. Balongan

210.000

10,99%

"mMJBTJ"GmMJBUJPO

Perbankan/Banking

Jl. Raya Panyingkiran Kidul No. 202 Cantigi Kab. Indramayu

210.000

10,99%

"mMJBTJ"GmMJBUJPO

210.000

10,99%

"mMJBTJ"GmMJBUJPO

210.000

10,99%

"mMJBTJ"GmMJBUJPO

4

PD BPR LPK Cantigi Kulon

5

PD BPR LPK Sukra

Perbankan/Banking

Jl. Raya Sukra No. 02, Kec. Sukra, Kab. Indramayu

6

PD BPR LPK Bongas

Perbankan/Banking

Jl. Margomulya No. 99 Bongas Kab. Indramayu

SUB JUMLAH/SUB TOTAL

1.260.000

VII. KABUPATEN/REGENCY MAJALENGKA 1 2

PD BPR LPK Panyingkiran PD BPR LPK Cigasong

bank bjb Laporan Tahunan 2014

Perbankan/Banking

Jl. Siliwangi No. 3 Panyingkiran Kabupaten Majalengka

105.000

8,22%

"mMJBTJ"GmMJBUJPO

Perbankan/Banking

Jl. Raya Barat No. 42 Cigasong Majalengka

117.500

9,38%

"mMJBTJ"GmMJBUJPO

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

59

Daftar Penyertaan Modal 3HQ\HUWDDQ0RGDO(TXLW\&DSLWDO No.

Nama Lembaga Institution Name

Bidang Usaha Line of Business

Alamat Address

bank bjb 'DODP5LEXDQ5S,Q 7KRXVDQG5S

%

Status Kepemilikan Ownership Status

3

PD BPR LPK Cingambul

Perbankan/Banking

Jl. Raya Cikijing-Ciamis No. 32 cingambulMajalengka 45466

92.500

7,64%

"mMJBTJ

4

PD BPR LPK Banjaran

Perbankan/Banking

Jl. Raya Banjaran No.23 Banjaran Majalengka 45468

107.500

8,64%

"mMJBTJ

SUB JUMLAH/SUB TOTAL

422.500

VIII. KABUPATEN/REGENCY BEKASI 1

PD BPR LPK Cibarusah

Perbankan/Banking

Jl. Raya Loji, Komplek Kecamatan Cibarusah

165.000

7,28%

"mMJBTJ"GmMJBUJPO

2

PD BPR LPK Setu

Perbankan/Banking

Jl. Raya Setu RT.002/001 No. 49 Desa Lubang Buaya Kec. Setu Bekasi 17322

165.000

7,28%

"mMJBTJ"GmMJBUJPO

3

PD BPR LPK Pondokgede

Perbankan/Banking

Jl. Jatiwaringin No. 18 Pondok Gede Bekasi

165.000

7,28%

"mMJBTJ"GmMJBUJPO

4

PD BPR LPK Cibitung

Perbankan/Banking

Jl. Sultan Hasanudin No. 123 Desa Tambun, Kec. Tambun Selatan - Kab. Bekasi

165.000

7,28%

"mMJBTJ"GmMJBUJPO

5

PD BPR LPK Bekasi/Kranji

Perbankan/Banking

Harapan Baru II C9-7, Bekasi

165.000

7,28%

"mMJBTJ"GmMJBUJPO

6

PD BPR LPK Sukatani

Perbankan/Banking

Jl. Raya Sukatani No. 41 Kec. Sukatani - Bekasi

165.000

7,25%

"mMJBTJ"GmMJBUJPO

SUB JUMLAH/SUB TOTAL

990.000

IX. KABUPATEN/REGENCY SUBANG 1

PD BPR LPK Jalancagak

Perbankan/Banking

Jl. Raya Jalancagak No. 151 - Subang 41281

SUB JUMLAH/SUB TOTAL

Anak Perusahaan/ Subsidiary 7.955.000

X. KABUPATEN/REGENCY GARUT 1

PD BPR LPK Garutkota

Perbankan/Banking

Anak Perusahaan/ Subsidiary

Jl. Pramuka No. 30A Garut

SUB JUMLAH/SUB TOTAL

8.232.500

1 XI. KABUPATEN/REGENCY TASIKMALAYA 1

PD BPR LPK Cipatujah

Perbankan/Banking

Jl. Raya Cipatujah No. 293 Cipatujah, Tasikmalaya

600.000

7,27%

"mMJBTJ"GmMJBUJPO

Perbankan/Banking

Jl. Raya Ciparanti No. 149 Ciamis

300.000

15,00%

"mMJBTJ"GmMJBUJPO

2,09%

"mMJBTJ"GmMJBUJPO

XII. KABUPATEN/REGENCY CIAMIS 1

PD BPR LPK Cimerak SUB JUMLAH/SUB TOTAL

300.000

XIII. KABUPATEN/REGENCY TANGERANG 1

PD BPR Kerta Raharja

Perbankan/Banking

Jl. Raya serang KM 15 No.1 Cikupa Tangerang

1.050.000

SUB JUMLAH/SUB TOTAL

1.050.000

JUMLAH/TOTAL PD BPR LPK

28.171.365

NON BPR 1

bank bjb Syariah

2

PT ASURANSI BANGUN ASKRIDA

Perbankan/Banking

Asuransi

Jl. Braga No. 135 - Bandung

595.000.000

97,70%

Anak Perusahaan/ Subsidiary

Pusat Niaga cempaka Mas M I/36, Jl. Letjen Soeprapto - Jakarta

20.000.000

10,13%

"mMJBTJ"GmMJBUJPO

SUB JUMLAH/SUB TOTAL

615.000.000

TOTAL

643.171.365

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

60

JARINGAN OPERASI & LAYANAN 23(5$7,211(7:25. 6(59,&(6 Kantor Cabang bank bjb bank bjb#SBODI0GmDF Sumatera Utara | North Sumatera .DQWRU&DEDQJ%UDQFK2IÀFH

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Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

61

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

62

STRUKTUR ORGANISASI 25*$1,=$7,216758&785( RAPAT UMUM PEMEGANG SAHAM (RUPS) General Meeting of Shareholders (GMS)

DIREKTUR UTAMA President Director Ahmad Irfan

DIREKTUR KOMERSIAL MANAGING DIRECTOR – COMERCIAL

DIREKTUR KONSUMER MANAGING DIRECTOR – CONSUMER

DIREKTUR MIKRO MANAGING DIRECTOR – MICRO

SUARTINI

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DEWAN KOMISARIS Board of Commissioners

63

7DXÀHTXUDFKPDQ5XNL Wawan Ridwan Muhadi Achmad Baraba Klemi Subiyantoro Yayat Sutaryat Rudhyanto Mooduto

Komite Eksekutif & Risk Capital Executive & Risk Capital Committee

DIREKTUR KEUANGAN MANAGING DIRECTOR – FINANCE NIA KANIA

KOMITE AUDIT Audit Committee

DIREKTUR KEPATUHAN DAN MANAJEMEN RISIKO MANAGING DIRECTOR – COMPLIANCE AND RISK MANAGEMENT

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

64

352),/'(:$1.20,6$5,6 %2$5'2)&200,6,21(56352),/(

Warga Negara Indonesia. Saat ini berusia 69 tahun.

Indonesian Citizens. Currently 69 years old.

Lahir di Rangkasbitung tahun 1946. Menyelesaikan Pendidikan Sarjana di Fakultas Hukum Universitas 17 Agustus 1945, Jakarta pada tahun 1987.

Born in Rangkasbitung 1946. Completed Bachelor of Education in the Faculty of Law, University of 17 Agustus 1945, in Jakarta in 1987.

Ditunjuk pertama kali untuk menjabat sebagai Komisaris Utama bank bjb pada tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Jabatan lain yang pernah atau sedang dipegang antara lain: - Anggota Badan Pemeriksa Keuangan RI (2009-Mei 2013) - Komisaris Utama PT Krakatau Steel (20082009).

"QQPJOUFE GPS IJT mSTU UFSN BT 1SFTJEFOU Commissioner bank bjb on December 19, 2014, pursuant to Deed number 221 on Resolutions of the EGM. Other positions that have or are held, among others: - Member of Audit Board of Indonesia (2009 - May 2013 ) - Commissioner of PT Krakatau Steel (20082009).

Warga Negara Indonesia. Saat ini berusia 59 tahun.

Indonesian Citizens. Currently 59 years old.

Lahir di Boyolali tahun 1954. Menyelesaikan pendidikan Sarjana di Fakultas Teknik Geodesi Institut Teknologi Bandung pada tahun 1981 dan Pendidikan Pasca Sarjana di bidang Perencanaan Wilayah dan Kota Institut Teknologi Bandung pada tahun 1990.

Born in Boyolali in 1954. Graduated at the Faculty of Geodesy Bandung Institute of Technology in 1981 and a Post-Graduate Education in Regional and City Planning Bandung Institute of Technology in 1990.

Ditunjuk pertama kali untuk menjabat sebagai Komisaris bank bjb pada tahun 2008. Diangkat kembali sebagai Komisaris pada tahun 2011 berdasarkan Akta No. 76 tanggal 25 Juli 2011. Jabatan lain yang pernah atau sedang dipegang antara lain: - Sekretaris Daerah Provinsi Banten (2008-Sekarang); - Plt. Sekretaris Daerah Provinsi Banten (2008).

"QQPJOUFE GPS IJT mSTU UFSN BT $PNNJTTJPOFS bank bjb in 2008. Reappointed as Commissioner in 2011 pursuant to Deed number 76 dated July 25, 2011. Other positions that have or are held, among others: - Provincial Secretary Banten (2008 - Present); - Plt. Provincial Secretary of Banten (2008).

7DXÀHTXUDFKPDQ5XNL .RPLVDULV8WDPD 3UHVLGHQW&RPPLVVLRQHU

Muhadi Komisaris Commissioner

bank bjb Laporan Tahunan 2014

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Warga Negara Indonesia. Saat ini berusia 59 tahun.

Indonesian Citizens. Currently 59 years old.

Lahir di Bandung tahun 1956. Menyelesaikan Pendidikan Sarjana di Institut Pertanian Bogor, pada tahun 1981. Kemudian melanjutkan pendidikan Pasca Sarjana di bidang Manajemen di Institut Pertanian Bogor pada tahun 1993.

Born in Bandung in 1956. Completed a Bachelor of Education in Bogor Agricultural University, JO  $POUJOVJOH FEVDBUJPO JO UIF mFME PG Management Graduate at Bogor Agricultural University in 1993 .

Ditunjuk pertama kali untuk menjabat sebagai Komisaris bank bjb pada tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Jabatan lain yang pernah dipegang antara lain: - Asisten Perekonomian dan Pembangunan Setda Jawa Barat (2007); - Kepala Dinas Kehutanan Provinsi Jawa Barat (2005).

Appointed as Commissioner bank bjb since December 19, 2014, pursuant to the Deed number 221 on Decision EGM. Other positions previously held: - Assistant for Economic and Development Secretariat of West Java (2007);  )FBEPG8FTU+BWB1SPWJODJBM'PSFTUSZ0GmDF (2005).

65

Wawan Ridwan Komisaris Commissioner

Warga Negara Indonesia. Saat ini berusia 58 tahun.

Indonesian Citizens. Currently 58 years old.

Lahir di Solo tahun 1955. Menyelesaikan pendidikan Sarjana di Fakultas Ekonomi jurusan Akuntansi di Universitas Gadjah Mada tahun 1982 dan pendidikan Magister Akuntansi di Universitas Indonesia tahun 2010.

Born in Solo in 1955. Graduated at the Faculty of Economics, majoring in Accounting at Gadjah Mada University in 1982 and a Master Degree in Accounting at the University of Indonesia in 2010.

Ditunjuk pertama kali untuk menjabat sebagai Komisaris bank bjb pada tahun 2007. Diangkat kembali sebagai Komisaris pada tahun 2011 berdasarkan Akta No. 76 tanggal 25 Juli 2011. Jabatan lain yang pernah atau sedang dipegang antara lain: - Dosen IBS-LPPI Jakarta (2010-Sekarang) - Dosen Fakultas Ekonomi Universitas Indonesia (2006 - Sekarang).

"QQPJOUFE GPS IJT mSTU UFSN BT $PNNJTTJPOFS bank bjb in 2007. Reappointed as Commissioner in 2011 pursuant to Deed number 76 dated July 25, 2011. Other positions that have or are held, among others: - Lecturer IBS - LPPI Jakarta (2010 - Present) - Faculty of Economics, University of Indonesia (2006 - Present).

Achmad Baraba Komisaris Independen ,QGHSHQGHQW&RPPLVVLRQHU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

66

352),/'(:$1.20,6$5,6

Klemi Subiyantoro Komisaris Independen ,QGHSHQGHQW&RPPLVVLRQHU

Rudhyanto Mooduto Komisaris Independen ,QGHSHQGHQW&RPPLVVLRQHU

bank bjb Laporan Tahunan 2014

Warga Negara Indonesia. Saat ini berusia 47 tahun.

Indonesian Citizens. Currently 47 years old.

Lahir di Sukoharjo tahun 1966. Menyelesaikan pendidikan Diploma IV di Sekolah Tinggi Akuntansi Negara (STAN) tahun 1994, meraih gelar Sarjana Hukum di Universitas Krisnadwipayana tahun 2012 dan pendidikan Pasca Sarjana Magister Manajemen Bidang Studi Ekonomi Sumber Daya Manusia di Universitas Krisnadwipayana tahun 2012.

Born Sukoharjo in 1966. Graduated IV Diploma in Accounting College (STAN ) in 1994 , earned his law degree at the University Krisnadwipayana in 2012 and Master of Management Education Graduate Division of Economic Studies of Human Resources at the University Krisnadwipayana in 2012 .

Ditunjuk pertama kali untuk menjabat sebagai Komisaris bank bjb pada tahun 2008. Diangkat kembali sebagai Komisaris pada tahun 2011 berdasarkan Akta No. 76 tanggal 25 Juli 2011. Jabatan yang pernah atau sedang dipegang antara lain: - Komisaris Independen PT Adhi Karya (Persero) Tbk (2006-2008); - Ketua Komite Audit PT Adhi Karya (Persero) Tbk (2006-2008).

"QQPJOUFE GPS IJT mSTU UFSN BT $PNNJTTJPOFS bank bjb in 2008. Reappointed as Commissioner in 2011 pursuant to Deed number 76 dated July 25, 2011. Other positions that have or are held, among others: - Independent Commissioner of PT Adhi Karya (Persero) Tbk (2006-2008); - Chairman of the Audit Committee of PT Adhi Karya (Persero) Tbk (2006-2008).

Warga Negara Indonesia. Saat ini berusia 58 tahun.

Indonesian Citizens. Currently 58 years old.

Lahir di Jakarta tahun 1955. Menyelesaikan Pendidikan Sarjana di Fakultas Ekonomi Jurusan Akuntansi Universitas Trisakti Jakarta dan Pendidikan Pasca Sarjana pada bidang Manajemen Jurusan Bisnis Internasional dari Georgia State University, Atlanta, Amerika Serikat pada tahun 1990.

Born in Jakarta in 1955. Completed a Bachelor of Education in the Faculty of Economics Department of Accounting University of Trisakti and Graduate Education at the Department of International Business Management from Georgia State University, Atlanta, USA in 1990.

Ditunjuk pertama kali untuk menjabat sebagai Komisaris Independen bank bjb pada tahun 2012 berdasarkan Akta No. 130 tanggal 27 September 2012. Jabatan lain yang pernah di pegang antara lain: - Direktur Utama PT Pesona Prima Utama (Oktober 2011-sekarang) - Direktur Utama PT Asian Hybrid Seed Technologies Indonesia (Januari-Desember 2010).

"QQPJOUFE GPS IJT mSTU UFSN BT *OEFQFOEFOU Commissioner bank bjb in 2012 pursuant to Deed number 130 dated September 27, 2012. Other positions previously held: - President Director of PT Enchantment Prima Utama (October 2011 - present) - President Director of PT Asian Hybrid Seed Technologies Indonesia (January-December 2010).

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67 %2$5'2)&200,6,21(56352),/(

Warga Negara Indonesia. Saat ini berusia 62 tahun.

Indonesian Citizens. Currently 62 years old.

Lahir di Garut tahun 1952. Menyelesaikan pendidikan di Akademi Fakultas IPPS IKIP Bandung tahun 1980, meraih gelar Sarjana Hukum di Universtas Islam Nusantara (UNINUS) Bandung tahun 1987, dan Pendidikan Pasca Sarjana di bidang Administrasi Negara Universitas Garut (UNIGA) tahun 2000.

Born in Garut in 1952. Graduated from the Academy of Teachers’ Training College Faculty IPPS Bandung in 1980, earned his law degree in Islamic Universtas Nusantara (UNINUS) Bandung in 1987, and a Post-Graduate &EVDBUJPO JO UIF mFME PG 1VCMJD "ENJOJTUSBUJPO University of Garut (UNIGA) in 2000.

Ditunjuk pertama kali untuk menjabat sebagai Komisaris Independen bank bjb pada tahun 2011 berdasarkan Akta No. 76 tanggal 25 Juli 2011. Jabatan lain yang pernah atau sedang dipegang antara lain: - Komisaris Utama PT Citra Bangun Selaras (BUMD) (2010-2011); - Kepala Dinas Pendapatan & Pengelolaan Keuangan Daerah Kabupaten Bandung (2007-2010).

"QQPJOUFE GPS IJT mSTU UFSN BT *OEFQFOEFOU Commissioner bank bjb in 2011 pursuant to Deed number 76 dated July 25, 2011. Other positions that have or are held, among others: - Commissioner of PT Citra Build Aligned (BUMD) (2010-2011); - Head of the Department of Revenue and Finance Management Bandung District (2007-2010).

Yayat Sutaryat Komisaris Independen ,QGHSHQGHQW&RPPLVVLRQHU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

68

352),/',5(.6, %2$5'2)',5(&7256352),/(

Warga Negara Indonesia. Saat ini berusia 51 tahun.

Indonesian Citizens. Currently 51 years old.

Lahir di Palembang tahun 1963. Menjabat pertama kali sebagai Direktur Utama bank bjb sejak tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Magister di bidang Hukum, Universitas Padjadjaran Bandung pada tahun 2006.

Born in Palembang in 1963. He served his mSTU UFSN BT 1SFTJEFOU %JSFDUPS PG CBOL bjb since December 19, 2014, pursuant to the Deed number 221 on Resolutions of the EGM. Graduated with a Master of Law, University of Padjadjaran Bandung in 2006.

Jabatan lain yang pernah dipegang antara lain: - Direktur Komersial (2014); - Pemimpin Divisi Komersial (2014).

Other positions previously held: - Commercial Director (2014); - Head of Commercial Division (2014).

Warga Negara Indonesia. Saat ini berusia 41 tahun.

Indonesian Citizens. Currently 41 years old.

Lahir di Ciamis tahun 1973. Menjabat pertama kali sebagai Direktur bank bjb pada tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Sarjana di bidang Ekonomi dari Universitas Pasundan, Bandung, pada tahun 2007.

#PSOJO$JBNJTJO)FTFSWFEIJTmSTUUFSN as Director of bank bjb on December 19, 2014, pursuant to the Deed number 221 on Resolutions of the EGM. Graduated with a BA in Economics from the University of Pasundan, Bandung, in 2007.

Jabatan lain yang pernah dipegang antara lain: - PT Bank BTPN Tbk (sejak 2008-2014) dengan jabatan terakhir Distribution Head UMK dan pangkat Senior Vice President; - PT Bank Danamon Indonesia Tbk (sejak 1997-2008) dengan jabatan terakhir sebagai Cluster Manager SEMM Bandung Area 3 dan pangkat Ass. Vice President.

Other positions previously held: - PT Bank BTPN Tbk (since 2008-2014) with last position Distribution Head MSE, Senior Vice President; - PT Bank Danamon Indonesia Tbk (since 19972008) as the Cluster Manager SEMM Bandung "SFBXJUIPGmDF"TT7JDF1SFTJEFOU

Ahmad Irfan 'LUHNWXU8WDPD 3UHVLGHQW'LUHFWRU

Agus Gunawan 'LUHNWXU0LNUR 0DQDJLQJ'LUHFWRU²0LFUR

bank bjb Laporan Tahunan 2014

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Warga Negara Indonesia. Saat ini berusia 46 tahun.

Indonesian Citizens. Currently 46 years old.

Lahir di Bandung tahun 1968. Menjabat pertama kali sebagai Direktur bank bjb sejak tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Sarjana di Universitas Padjadjaran, Bandung pada tahun 1993.

#PSOJO#BOEVOHJO4IFTFSWFEGPSIFSmSTU term as Director of bank bjb since December 19, 2014, pursuant to the Deed number 221 on Resolutions of the EGM. Graduated with a bachelor’s degree at the University of Padjadjaran, Bandung in 1993 .

Jabatan lain yang pernah di pegang antara lain: - Pemimpin Divisi Kredit Konsumer bank bjb (2012-2014) - Pemimpin Divisi Konsumer bank bjb (September 2012 - Desember 2012).

Other positions previously held: - Head of Consumer Credit Division bank bjb (2012-2014) - Head of Consumer Division bank bjb (September 2012 - December 2012).

69

Suartini 'LUHNWXU.RPHUVLDO 0DQDJLQJ'LUHFWRU²&RPPHUFLDO

Warga Negara Indonesia. Saat ini berusia 51 tahun.

Indonesian Citizens. Currently 51 years old.

Lahir di Jakarta tahun 1963. Menjabat pertama kali sebagai Direktur bank bjb sejak tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Sarjana di bidang Sosial Ekonomi Pertanian dari Institut Pertanian, Bogor, tahun 1988.

#PSOJO+BLBSUBJO4IFTFSWFEIFSmSTUUJNF as Director of bank bjb since December 19, 2014, pursuant to Deed number 221 on Resolutions of the EGM. Graduated with a bachelor’s degree in Social Economics of Agriculture from the Institute of Agriculture, Bogor, 1988.

Jabatan lain yang pernah dipegang antara lain: - Pemimpin Divisi KPR & Mortgage bank bjb (2012-2014); - Pemimpin Divisi Card Center & Electronic Banking bank bjb (2011-2012).

Other positions once held by, among others : - Head of Mortgage & Mortgage Division bank bjb (2012-2014); - Head of Card Center & Electronic Banking Division bank bjb (2011-2012).

)HUPL\DQWL 'LUHNWXU.RQVXPHU 0DQDJLQJ'LUHFWRU²&RQVXPHU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

70

352),/',5(.6,

Warga Negara Indonesia. Saat ini berusia 45 tahun.

Indonesian Citizens. Currently 45 years old.

Lahir di Garut tahun 1969. Menjabat pertama kali sebagai Direktur bank bjb sejak tahun 2011. Menyelesaikan pendidikan Doktor di bidang Ekonomi dari Universitas Padjadjaran, Bandung pada tahun 2006.

#PSO JO (BSVU JO  )F TFSWFE IJT mSTU UFSN as Director of bank bjb since 2011. Graduated with doctoral degree in Economics from the University of Padjadjaran, Bandung in 2006.

Jabatan lain yang pernah dipegang antara lain: - Pemimpin Divisi Perencanaan Strategis bank bjb (2010-2011);  ,FUVB 1SPHSBN .BOBHFNFOU 0GmDF  2010).

Other positions previously held: - Head of Strategic Planning Division bank bjb (2010-2011);  $IBJSNBOPGUIF.BOBHFNFOU0GmDF1SPHSBN (2009-2010).

Warga Negara Indonesia. Saat ini berusia 48 tahun.

Indonesian Citizens. Currently 48 years old.

Lahir di Bandung tahun 1966. Menjabat pertama kali sebagai Direktur bank bjb sejak tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Sarjana di bidang Ekonomi Universitas Padjadjaran, Bandung pada tahun 1990.

#PSO JO #BOEVOH JO  4IF TFSWFE IFS mSTU term as Director of bank bjb since December 19, 2014, pursuant to Deed number 221 on Resolutions of the EGM. Graduated with a bachelor’s degree in Economics, Padjadjaran University, Bandung in 1990.

Jabatan lain yang pernah di pegang antara lain: - Pemimpin Divisi Jaringan dan Layanan bank bjb (Juli 2014 - Desember 2014) - Direktur Dana Pensiun bank bjb (Februari 2014 - Juli 2014).

Other positions previously held: - Head of Network and Services Division bank bjb (July 2014 - December 2014) - The Pension Fund Director bank bjb (February 2014 - July 2014).

Zaenal Aripin 'LUHNWXU.HSDWXKDQGDQ0DQDMHPHQ5LVLNR 0DQDJLQJ'LUHFWRU²&RPSOLDQFHDQG5LVN 0DQDJHPHQW

Nia Kania 'LUHNWXU.HXDQJDQ 0DQDJLQJ'LUHFWRU²)LQDQFH

bank bjb Laporan Tahunan 2014

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71 %2$5'2)',5(&7256352),/(

Warga Negara Indonesia. Saat ini berusia 47 tahun.

Indonesian Citizens. Currently 47 years old.

Lahir di Cirebon tahun 1967. Menjabat pertama kali sebagai Direktur bank bjb tanggal 19 Desember 2014, berdasarkan Akta nomor 221 tentang Keputusan RUPS-LB. Menyelesaikan pendidikan Magister di bidang Manajemen Keuangan di Internasional University of Stirling, Inggris pada tahun 2000, dan di bidang Manajemen Keuangan di Universita Gadjah Mada, Yogyakarta pada tahun 2001.

#PSOJO$JSFCPOJO)FTFSWFEIJTmSTUUFSN as Director of bank bjb since December 19, 2014, pursuant to Deed number 221 on Resolutions of the EGM. Graduated with a Master of Financial Management at the International University of Stirling, UK in 2000, and in the mFME PG 'JOBODJBM .BOBHFNFOU BU UIF 6OJWFSTJUB Gadjah Mada, Yogyakarta in 2001.

Jabatan lain yang pernah di pegang antara lain: - Direktur Keuangan Bank DKI (2010-2014) - Direktur Kepatuhan Bank DKI (2010-2011).

Other positions previously held: - Finance Director of Bank DKI (2010-2014) - Compliance Director of Bank DKI (2010-2011).

Benny Santoso 'LUHNWXU2SHUDVLRQDO 0DQDJLQJ'LUHFWRU²2SHUDWLRQDO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

72

352),/ .20326,6,.$5<$:$1 352),/( (03/2<((&20326,7,21

Jumlah Karyawan Berdasarkan Level Jabatan Total of Employees based on Position Level Jenjang Manajemen

2010

2011

2012

2013

0DQDJHPHQW/HYHO

2014

Manajemen Puncak

20

20

30

35

30

Top Management

Manajemen Madya

120

160

209

211

218

Senior Management

Manajemen Lini

544

824

1.235

1.448

1.677

Junior Management

Staf dan Lainnya

1.364

1.117

3.407

4.701

5.096

Staff and Others

Jumlah

2.048

2.121

4.881

6.395

7.021

Total

Jumlah Karyawan Berdasarkan Usia Total of Employees based on Age Jenjang Usia

2010

2011

2012

2013

$JH/HYHO

2014

18-30 tahun

983

992

3.662

4.838

5.494

18-30 Years

31-40 tahun

574

621

716

1.026

1.023

31-40 Years

41-50 tahun

444

455

448

447

429

41-50 Years

47

53

55

84

75

Above 50 Years

2.048

2.121

4.881

6.395

7.021

Total

Lebih dari 50 tahun Jumlah

Jumlah Karyawan Berdasarkan Pendidikan Total of Employees based on Education Level Jenjang Pendidikan

2010

2011

S3

2012

2013

(GXFDWLRQDO/HYHO

2014

5

4

3

2

2

Doctoral

188

193

250

252

282

Post Graduate

1.532

1.621

3.600

4.842

5.341

Undergraduate

260

249

996

1.269

1.376

Diploma

58

48

28

27

17

Senior High School

Sekolah Menengah Tingkat Pertama

2

1

1

1

1

Junior High School

Sekolah Dasar

7

5

3

2

2

Elementary School

2.052

2.121

4.881

6.395

7.021

Total

3.086

5.655

Permanent

Pasca Sarjana S2 Sarjana dan Sederajat Diploma Sekolah Lanjutan Tingkat Atas dan Sederajat

Jumlah

Jumlah Karyawan Berdasarkan Status Total of Employees based on Status Level Status

2010

Tetap

2011 1.532

Calon Pegawai Jumlah

2012 1.979

2013 2.115

2014

Status

516

142

2.766

3.309

1.366

Prospective

2.048

2.121

4.881

6.395

7.021

Total

Jumlah karyawan berdasarkan Direktorat (Grade) Total of Employees based on Grading Level Grade

2010

2011

2012

2013

*UDGLQJ/HYHO

2014

G1 - G3

*

*

2.571

4.117

4784

G1 - G3

G4 - G5

*

*

834

584

304

G4 - G5

G6 - G7

*

*

316

547

774

G6 - G7

G8 - G9

*

*

480

425

405

G8 - G9

G10 - G11

*

*

440

476

502

G10 - G11

G12 - G13

*

*

132

134

119

G12 - G13

G14 - G16

*

*

78

77

103

G14 - G16

G17 - G18

*

*

7

9

6

G17 - G18

G19 - G20

*

*

23

26

24

G19 - G20

Jumlah

-

-

4.881

6.395

7.021

Total

Jumlah karyawan berdasarkan Masa Kerja Total of Employees based on Working Period Masa Kerja 0 - 5 tahun

2010

2011

2012

2013

2014

Working Period

1.069

1.207

3.930

5.397

5.822

0 - 5 years

6 - 10 tahun

345

339

305

296

521

6 - 10 years

11 - 15 tahun

172

168

285

347

343

11 - 15 years

16 - 25 tahun

336

319

291

281

248

16 - 25 years

> 25 tahun

126

88

70

74

87

> 25 years

2.048

2.121

4.881

6.395

7.021

Total

Jumlah

bank bjb Laporan Tahunan 2014

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

73

-XPODK.DU\DZDQ %HUGDVDUNDQ/HYHO-DEDWDQ

-XPODK.DU\DZDQ %HUGDVDUNDQ/HYHO-DEDWDQ

Total of Employees based on Position Level

Total of Employees based on Position Level

0,43%

3,10% 5.096

72,58%

Manajemen Puncak Top Management

23,89%

Manajemen Puncak Top Management

Manajemen Madya Senior Management

Manajemen Madya Senior Management

1.677

Manajemen Lini Junior Management Staf dan Lainnya Staff and Others

-XPODK.DU\DZDQ %HUGDVDUNDQUsia

30

Staf dan Lainnya Staff and Others

218

-XPODK.DU\DZDQ %HUGDVDUNDQUsia

Total of Employees based on Age

Total of Employees based on Age

14,57%

78,25%

Manajemen Lini Junior Management

5.494

6,11%

18-30 Tahun/Years

18-30 Tahun/Years

31-40 Tahun/Years

31-40 Tahun/Years

1,07% 41-50 Tahun/Years

41-50 Tahun/Years

1.023 Lebih dari 50 Tahun/ Above 50 Years

75

429

-XPODK.DU\DZDQ %HUGDVDUNDQ6WDWXV

-XPODK.DU\DZDQ %HUGDVDUNDQ6WDWXV

Total of Employees based on Status Level

Total of Employees based on Status Level

Lebih dari 50 Tahun/ Above 50 Years

5.655

80,54%

19,46%

Tetap Permanent Calon Pegawai Prospective

1.366

Tetap Permanent Calon Pegawai Prospective

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 3URÀO3HUXVDKDDQ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan

74

/(0%$*$3(181-$1*()(. 6833257,1*6(&85,7<,167,787,216

Biro Administrasi Efek

The Security Administration Bureau

Biro Administrasi Efek (BAE), PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. (bank bjb) telah menunjuk PT Datindo Entrycom sebagai BAE. Hal tersebut tertuang pada Pasal Ke II (dua) Akta Perubahan III Perjanjian Pengelolaan Administrasi Saham Penawaran Umum PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk No. 78. Akta tersebut ditandatangani pada tanggal 25 Juni 2010 oleh Bapak Tatang Sumarna selaku Direktur Dana dan Jasa bank bjb, Bapak Dadang Agus Suryanto selaku Direktur Operasi bank bjb keduanya mewakili bank bjb, dan Nyonya Ester Agung Setiawati sebagai pemegang kuasa dari Tuan Sastra Sukamto selaku Direktur PT Datindo Entrycom. Adapun biaya yang dikeluarkan sehubungan dengan jasa PT Datindo Entrycom selama tahun 2014 yang meliputi jasa konsultan pada RUPS Tahunan 2014 (tahun buku 2013), RUPSLB 2014 (1), RUPSLB (2) berkisar adalah Rp60.000.000 (Enam puluh juta rupiah).

(BAE), PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb) has appointed PT Datindo Entrycom as the Security Administration Bureau (BAE), as stated in Article II (two) of Amendment III of the Agreement on the Management of the Administration of Public Offering Shares of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk No. 78. This amendment was signed in June 25, 2010 by Bapak Tatang Sumarna as Director of the Fund and Services of bank bjb, Bapak Dadang Agus Suryanto as Director of Operations of bank bjb, both as representatives of bank bjb, and Ibu Ester Agung Setiawati as assignee of Bapak Sastra Sukamto as the Director of PT Datindo Entrycom. The costs incurred in connection with the services of PT Datindo Entrycom for the year 2014 which included consulting services is Rp60.000.000 (Sixty million Rupiah).

PT Datindo Entrycom Puri Datindo Wisma Sudirman Jl. Jend. Sudirman Kav. 34-35 Jakarta 10210 Tel : (62-21) 570 9009 Fax : (62-21) 570 9026

PT Datindo Entrycom Puri Datindo Wisma Sudirman Jl. Jend. Sudirman Kav. 34-35 Jakarta 10210 Tel : (62-21) 570 9009 Fax : (62-21) 570 9026

Akuntan Independen

Independent Accountant

Berdasarkan hasil keputusan RUPS bank bjb dan telah dipublikasikan sesuai Surat Direksi Nomor 154/DIR-CS/2014 menetapkan Akuntan Publik yang akan melakukan Audit Laporan Keuangan bank bjb untuk tahun buku 2014 adalah &SOTU:PVOHZBOHCFSBmMJBTJEFOHBO,BOUPS"VEJUPS1VCMJL Purwantono Suherman & Surja

Based on the results of the AGM and published in accordance to the Directors Letter No. 154/DIR-CS/2014, the Bank EFUFSNJOFE&SOTU:PVOHBGmMJBUFEXJUIUIF1VCMJD"DDPVOUJOH Firm Purwantono Suherman & Surja to perform audit to the #BOLT'JOBODJBM4UBUFNFOUTGPSUIFmOBODJBMZFBS

Ernst & Young KAP Purwantono Suherman & Surja The Indonesian Stock Exchange Building Tower II, Lantai 7 Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Tel : (62-21) 5289 5000 Fax : (62-21) 5289 4747, 5289 4600

Ernst & Young KAP Purwantono Suherman & Surja The Indonesian Stock Exchange Building Tower II, 7th Floor Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Tel : (62-21) 5289 5000 Fax : (62-21) 5289 4747, 5289 4600

bank bjb Laporan Tahunan 2014

Introduction Management Report &RPSDQ\3URÀOH Stock & Obligation Highlights Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Consolidated Financial Statements Corporate Data

75

Pemeringkat Efek

Securities Rating Agency

Sesuai dengan keputusan dari PT Pemeringkat Efek Indonesia (PEFINDO) yang dicantumkan pada surat No. 1827/PEF-Dir/ XI/2014 pada tanggal 6 November 2014, menetapkan bahwa bank bjb berada pada rating idAA- (%PVCMF".JOVT/FHBUJWF Outlook) untuk periode 5 November 2014 sampai dengan 1 /PWFNCFS  1FSJOHLBU JE"" NFNJMJLJ EFmOJTJ CBIXB obligor memiliki sedikit perbedan dengan peringkat tertinggi yang diberikan, dan memiliki kemampuan yang sangat kuat untuk memenuhi komitmen keuangan jangka panjang relatif dibandingkan terhadap obligor Indonesia lainnya. %FmOJTJ UBOEB LVSBOH   NFOVOKVLBO CBIXB QFSJOHLBU ZBOH diberikan relatif lemah dan di bawah rata-rata kategori yang bersangkutan. Biaya yang dikeluarkan sehubungan dengan pemeringkatan bank bjb adalah sebesar Rp165.000.000,(Seratus Enam Puluh Lima Juta Rupiah).

In accordance with the decision of PT Pemeringkat Efek Indonesia (PEFINDO) issued with the letter No. 1827/PEFDir/XI/2014 dated November 6, 2014, stipulates bank bjb occupies the rating idAA- (Double A Minus; Negative Outlook) for the period November 5, 2014 to November 1, 2015. The idAA rating means that the obligor has little distinction with the highest rank given, and has a very strong ability to meet MPOHUFSN mOBODJBM DPNNJUNFOUT SFMBUJWF DPNQBSFE UP PUIFS Indonesian obligors. The minus sign (-) indicates that the ratings given is relatively weak and below the average for the category in question. The cost incurred related to the Bank’s rating is Rp165.000.000 (One Hundred Sixty-Five Million Rupiah).

373HPHULQJNDW(IHN,QGRQHVLD 3HÀQGR Setiabudi Atrium, Lantai 8 Suite 809-810 Jl. H.R. Rasuna Said Kav. 62, Kuningan, Jakarta 12920 Tel : (62-21) 521 0077 Fax : (62-21) 521 0078

373HPHULQJNDW(IHN,QGRQHVLD 3HÀQGR Setiabudi Atrium, 8th Floor Suite 809-810 Jl. H.R. Rasuna Said Kav. 62, Kuningan, Jakarta 12920 Tel : (62-21) 521 0077 Fax : (62-21) 521 0078

bank bjb Annual Report 2014

76

Ikhtisar Saham & Obligasi 6WRFN 2EOLJDWLRQ+LJKOLJKWV

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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77

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bank bjb Annual Report 2014

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78

Ikhtisar Saham & Obligasi 6WRFN 2EOLJDWLRQ+LJKOLJKWV Harga dan Volume Saham BJBR di BEI 2012-2014 2012-2014 BJBR Share Price and Volume st IDX Price

Volume

Rp

Volume -XWD0LOOLRQ8QLW

1200

1.400 1.300

1000

1.200 800

600

1.000 900

400

800 200 700 0 4

4

-1

ec

D

N

ov

-1

4

14

-1

p-

ct O

Se

4

14

l-1

g-

Ju

Au

4

14

-1

n-

ay

Ju

M

Ap

r-1

4

4

14

-1

b-

ar

Fe

M

3

14 n-

Ja

3

-1

ec

D

N

ov

-1

3

13

-1

p-

ct

Se

O

3

13

l-1

g-

Ju

Au

3

13

-1

n-

ay

Ju

M

Ap

r-1

3

3

13

-1

b-

ar

Fe

M

2

13 n-

Ja

2

-1

D

ec

2

-1

-1 ct

ov

O

N

2

12

-1

p-

ar M

Se

2

12

l-1

gAu

2

12

Ju

-1

n-

ay

Ju

M

Ap

r-1

2

2

12

-1

b-

ar M

Ja

n-

12

600 Fe

Rp/share

1.100

Informasi Kinerja Saham Triwulanan 2011-2014 2011-2014 Quarterly Share Performance Tahun

7ULZXODQ,4

7ULZXODQ,,4

7ULZXODQ,,,4

7ULZXODQ,94

Tertinggi

Year Highest

2014

1.100

1.175

895

815

2014

2013

1.290

1.300

1.230

960

2013

2012

1.150

900

1.130

1.160

2012

2011

1.490

1.410

1.260

1.070

Terendah

2011 Lowest

2014

815

820

790

720

2013

1.060

1.100

740

810

2013

2012

1.180

800

880

990

2012

2011

1.090

1.130

780

760

Penutupan

2014

2011 Close

2014

1.045

825

795

730

2014

2013

1.290

1.180

900

890

2013

2012

1.110

920

1.100

1.060

2012

2011

1.270

1.190

900

910

2011

Volume Peredaran di Pasar Reguler (dalam ribuan unit)

Outstanding Shares Volume in Regular Market (in thousands unit)

2014

847.774

1.202.031

1.182.971

507.429

2014

2013

1.322.673

884.544

661.018

469.155

2013

2012

1.094.563

807.639

461.301

528.595

2012

2011

3.655.178

2.455.427

1.024.516

1.006.642

2011

Kapitalisasi Pasar (dalam juta Rupiah)

Market Capitalization (in million Rupiah)

2014

885.923.830

991.675.575

940.461.945

370.423.170

2014

2013

1.706.248.170

1.043.761.920

594.916.200

441.577.950

2013

2012

1.214.964.930

743.027.880

507.431.100

560.310.700

2012

2011

4.642.076.060

2.921.958.130

922.064.400

916.044.220

2011

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF Stock & Obligation Highlights 6WRFN 2EOLJDWLRQ+LJKOLJKWV .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

79

,1)250$6,%$*,,19(6725 ,1)250$7,21)25,19(67256

Ikhtisar Obligasi Bond Highlight No 1

Obligasi Bond Obligasi VII bank bjb Tahun 2011 Bond VII bank bjb Year 2011

Seri Series

Nominal (Rp juta) Rp million

Tingkat Bunga per tahun/Interest per year (%)

Jangka Waktu/Period

Peringkat Rating

Tanggal Efektif Bapepam/ Effective Date

Jatuh Tempo/ Due Date

Seri B/B Series

Rp601.000,-

10,20

5 tahun/year

idAA-

31-01-2011

09-02-2016

Seri C/C Series

Rp1.123.000,-

10,40

7 tahun/year

idAA-

31-01-2011

09-02-2018

Komposisi saham per akhir Desember 2014, Pemerintah Jawa Barat dan Banten memiliki saham seri A dan sedangkan lainnya merupakan saham seri B yang dikeluarkan kepada publik pada tanggal 8 Juli 2010 melalui Initial Public Offering (IPO).

Share composition as at end of December, 2014, were that governments in West Java and Banten owned Series A shares while the remaining Series B shares were issued to the public on July 8, 2010 through the Initial Public Offering (IPO).

Struktur pemegang saham bank bjb terdiri dari Pemerintah Provinsi Jawa Barat, Pemerintah Provinsi Banten, Pemerintah Kota/Kabupaten se-Jawa Barat, Pemerintah Kota/Kabupaten se-Banten yang memiliki seluruh saham seri A, sedangkan seri B merupakan saham yang dilepas ke publik. Saham seri A dan seri B memiliki hak, namun demikian pemegang saham seri A tetap memiliki fungsi kontrol yang kuat dalam hal pengangkatan/pemberhentian Dewan Komisaris dan Direksi, perubahan Anggaran Dasar, penggabungan, peleburan dan pengambilalihan serta pembubaran dan likuidasi Perusahaan.

The structure of the bank bjb shareholders consists of the Government of West Java Province, the Government of Banten Province; governments of cities and counties (regencies) of West Java Province; and governments of cities and counties (regencies) of Banten Province holding Series A shares, while 25% of all shares are Series B shares and were released to the public. Series A shares and Series B have rights; however, shareholders of Series A have control functions in terms of appointment/dismissal of members of the Boards of Commissioners and Directors, amendments to the Articles of Association, mergers, consolidations & acquisitions, and dissolution or liquidation of the Company.

Saham seri A adalah saham yang tidak aktif diperdagangkan (dimiliki oleh Pemda), sedangkan saham seri B adalah saham yang aktif diperdagangkan di bursa (GSFF nPBU). Pemegang saham seri A dapat membeli saham seri B, namun pemegang saham seri B tidak bisa membeli saham seri A sebelum mendapat persetujuan dari RUPS mengenai pelepasan saham seri A.

Series A Shares are not actively traded (owned by governments), while B Series shares are actively traded on UIF TUPDL NBSLFU GSFF nPBU  0XOFST PG " 4FSJFT TIBSFT BSF allowed to buy Series B shares while Series B shareholders are not allowed to buy A Series shares before getting approval at the General Meeting of Shareholders for releasing any Series A shares.

Saham seri B diperjualbelikan sesuai harga pasarnya yang bersifat volatil.

Series B shares are traded according to market price volatility.

Kronologis IPO 2010

Chronology of IPO In 2010

Hari Rabu tanggal 21 April 2010 pukul 14.05 di Ballroom Hotel Hilton Bandung, Jl. HOS. Tjokroaminoto No. 41-43 Bandung 40172.

IPO meeting on Wednesday April 21, 2010, 14:05 in Ballroom Hotel Hilton Bandung, Jl. HOS. Tjokroaminoto No. 41-43, Bandung 40172

Berdasarkan Akta Keputusan Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Nomor 26 tanggal 21 April 2010 yang telah diberitahukan dengan Keputusan Menteri Hukum dan Hak

Based on Resolution the Extraordinary General Meeting of Shareholders of PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk. No. 26 dated April 21, 2010 which was OPUJmFEUPUIF.JOJTUSZPG+VTUJDFBOE)VNBO3JHIUPG3FQVCMJD

bank bjb $QQXDO5HSRUW 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO ,NKWLVDU6DKDP 2EOLJDVL Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

80

,1)250$6,%$*,,19(6725

Asasi Manusia Republik Indonesia sebagaimana dimaksud dalam Surat Penerimaan Pemberitahuan Nomor: AHUAH.01.10-10983 tanggal 6 Mei 2010, dalam RUPS telah diputus: a) Dengan suara bulat secara musyawarah untuk mufakat memutuskan menyetujui dijadwalkan kembali proses IPO pada tahun 2010 b) Pasal 5 mengatur antara lain Saham bank bjb terdiri dari Saham Seri A (yang Khusus dimiliki Pemerintah Pusat, Pemerintah Propinsi, Kota dan Kabupaten) dan Saham Seri B (yang dapat dimiliki oleh Direksi, Dewan Komisaris, Karyawan bank bjb, masyarakat dan pemerintah) Pemegang saham seri A dan B mempunyai hak yang sama. c) Komposisi besaran modal untuk seluruh saham yang ditempatkan adalah 100% dengan ketentuan batas maksimum saham seri B adalah 40% dan selebihnya merupakan saham seri A.

PG*OEPOFTJBBTFWJEFODFECZMFUUFSPGPGmDJBMSFDFJQU/P")6 AH.01.10.10983 dated May 6, 2010, decided:

a) Unanimously by deliberation decided to approve the rescheduling of the 2010 IPO process b) Article 5 stipulates, among others, shares of bank bjb consists of Series A Shares (only owned by the Central Government, Provincial Governments, City, and Regency) and Series B Shares (can be owned by the Board of Directors, the Board of Commissioners, employees of bank bjb, the public and the government). Holders of Series A and Series B shares have the same rights. c ) The shares composition of all issued shares is 100% with the provision that the maximum limit of the Series B is 40% and the rest are Series A shares.

Laporan Penggunaan Dana Hasil Penawaran Umum Use of Initial Public Offering Funds Report

No.

1

Nilai Realisasi Hasil Penawaran Umum $FWXDO8VHRI)XQGV

Jenis Penawaran Umum Public Offering Type

Penawaran Umum (IPO) Public Offering

Rencana Penggunaan Dana Menurut Prospektus 3ODQQHG8VHRI)XQGV$FFRUGLQJWRWKH3URVSHFWXV

Jumlah Hasil Biaya Tanggal Penawaran Penawaran Ekspansi Efektif Umum Umum Hasil Bersih Kredit (IIHFWLYH Amount Cost of Net Result Expansion of Date of Public Public Loan Offering Offering 8 Juli 2010

142.944

142.944

Total 7RWDO

1.429.441

Ekspansi Kredit Expansion of Loan 1.143.553

Ekspansi Jaringan Kantor Expansion RI%UDQFK 1HWZRUN

Ekspansi Teknologi Informasi Expansion of ,QIRUPDWLRQ 7HFKQRORJ\

142.944

91.260

Jumlah 7RWDO

1.377.756

Sisa Dana Hasil Penawaran Umum 5HPDLQLQJ Proceeds From 3XEOLF2IIHULQJ

1.454.444

25.003

1.429.441

1.143.553 80%

10%

10%

100%

80%

10%

6,38%

96,38%

3,62%

1.454.444

25.003

1.429.441

1.143.553

142.944

142.944

1.429.441

1.143.553

142.944

91.260

1.377.756

51.684

Persentase/Percentage Jumlah/Total

Ekspansi Ekspansi Jaringan Teknologi Kantor Informasi Expansion Expansion of RI%UDQFK ,QIRUPDWLRQ 1HWZRUN 7HFKQRORJ\

Realisasi Penggunaan Dana $FWXDO8VHRI)XQGV

51.684

*) Biaya Penawaran Umum telah disesuaikan berdasarkan biaya emisi yang telah diaudit oleh Kantor Akuntan Publik Doli, Bambang, Sudarmandji, dan Dadang *) Public Offering costs have been adjusted based on the cost emissions that have been audited by Public Accounting Firm Doli, Bambang, Sudarmandji and Dadang

Kronologis Pencatatan Saham

Chronological Listing of Shares

Dicatat dengan kode BJBR a. Dimulai dengan pernyataan Efektif Bapepam dan LK pada tanggal 29 Juni 2010. b. Harga ditetapkan di Rp600,- per lembar. c. Listing pada tanggal 8 Juli 2010 dan langsung mengalami auto reject menjadi Rp900,-

Recorded with code BJBR a. Starting with the statement CMFISA Effective on June 29, 2010. b. Prices are set at Rp600,- per share. c. Listing on July 8, 2010 and immediately experienced auto reject to Rp900,-

Obligasi bank bjb yang Masih Beredar

The bank bonds bjb Still Circulating

1. Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok obligasi sebesar Rp1.724.000.000.000,- (satu triliun tujuh ratus dua puluh empat miliar Rupiah). Peringkat idAA- dari 1FmOEP UFSEJSJEBSJ • Seri B dengan nilai nominal sebesar Rp601.000.000.000,- (enam ratus satu miliar Rupiah). Obligasi ini memiliki tingkat bunga tetap sebesar

1. Bonds VII bjb banks in 2011 with the principal amount of Rp1,724,000,000,000,- (one billion seven hundred and twenty- four billion Rupiah). IdAA- of Valuation, consisting of: • Series B with a nominal value of Rp601 billion,- (six hundred and one billion rupiah). These bonds have a

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF Stock & Obligation Highlights 6WRFN 2EOLJDWLRQ+LJKOLJKWV .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

81 ,1)250$7,21)25,19(67256

•

10,20% per tahun yang akan jatuh tempo pada tanggal 9 Februari 2016. Seri C dengan nilai nominal sebesar Rp1.123.000.000.000,- (satu triliun seratus dua puluh tiga miliar Rupiah). Obligasi ini memiliki tingkat bunga tetap sebesar 10,40% per tahun yang akan jatuh tempo pada tanggal 9 Februari 2018.

Obligasi Bond Obligasi VII bank bjb Tahun 2011 Bond VII bank bjb Year 2011

Seri Series

Nominal (Rp juta) Rp million

•

Tingkat Bunga per tahun Interest per year (%)

mYFEJOUFSFTUSBUFPGQFSBOOVNBOEXJMMNBUVSF on February 9, 2016. Series C with a nominal value of Rp1,123,000,000,000,(one billion one hundred and twenty-three billion SVQJBI  5IFTF CPOET IBWF B mYFE JOUFSFTU SBUF PG 10.40% per annum and will mature on February 9, 2018.

Jangka Waktu/Period

Peringkat Rating

Tanggal Efektif Bapepam/ effective Date

Jatuh Tempo Due Date

Seri B B Series

Rp 601.000,-

10,20

5 tahun/year

idAA-

31-01-2011

09-02-2016

Seri C C Series

Rp1.123.000,-

10,40

7 tahun/year

idAA-

31-01-2011

09-02-2018

Aksi Korporasi

Corporate Actions

bank bjb merencanakan akan menerbitkan kembali saham/ right issue yang akan dilaksanakan pada tahun 2016 dengan memulai persiapan di tahun 2015. Hal ini tercatat pada RAB Perseroan tahun 2014.

bank bjb plans to reissue shares/perform rights issue in 2016 and begin its preparation in 2015. This was recorded in the Company’s 2014 Budget Plan.

Ikhtisar Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen (ESOP/MSOP)

2YHUYLHZ RI WKH (PSOR\HH DQGRU 0DQDJHPHQW 6WRFN Ownership Program (ESOP/MSOP)

bank bjb pada tahun 2010 melakukan aksi korporasi berupa IPO (Initial Public Offering). bank bjb mengeluarkan kebijakan pada karyawannya untuk memiliki sejumlah saham dari bank bjb dengan nama program EMSA (Employee and Management Stock Alocation) sebagaimana yang disepakati oleh manajemen bahwa alokasi jumlah saham untuk karyawan adalah sebanyak 10% dari jumlah saham yang ditawarkan ke publik atau sebanyak 2.424.072.500 lembar saham.

In 2010 bank bjb performed corporate action in the form of IPO (Initial Public Offering). BJB issued a policy the employees’ ownership of the Bank’s shares. As agreed by the management, the allocation of shares for employees is 10% of the total shares offered to the public or as much as 2,424,072,500 shares. The number of shares offered to the public (Series B) is 25% of the Bank’s total shares with 75% owned by shareholders series A or provincial, city and district governments of West Java and Banten.

Berdasarkan hasil penawaran awal (bookbuilding), jumlah pemesanan saham EMSA yang disampaikan oleh seluruh karyawan bank bjb adalah sebesar Rp46.360.200.000,00 atau 3,2% dari jumlah saham yang ditawarkan ke publik.

Based on the results of the initial offering (bookbuilding), the number of EMSA shares booked by the employees of BJB are Rp46,360,200,000.00 or 3.2% of the total shares offered to the public.

Program EMSA tersebut memiliki jangka waktu maksimal 6 Bulan dengan persyaratan yang berhak mengikuti program ini adalah karyawan tetap bank bjb dengan excercise price Rp600,-

The EMSA program has a maximum period of 6 months where employees eligible for this program are permanent employees of bank bjb with an exercise price of Rp600, -

bank bjb $QQXDO5HSRUW 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO ,NKWLVDU6DKDP 2EOLJDVL Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

82

,1)250$6,%$*,,19(6725

Komposisi Kepemilikan Saham Per Desember 2014

Composition of share ownership as of December, 2014

Sebelum Penawaran Umum / Before Public Offering

Sesudah Penawaran Umum / After Public Offering

Nilai Nominal Rp 250,00 per saham 1RPLQDO9DOXH5SSHUVKDUH %

Pemegang Saham Jumlah Saham Total Share

Nilai (Rp) Value (Rp)

%

Jumlah Saham Total Share

Shareholder

Nilai (Rp) Value (Rp)

Modal Dasar

Basic Capital

Seri A

9.600.000.000



9.600.000.000



Seri B

6.400.000.000



6.400.000.000



B Series

16.000.000.000



16.000.000.000



Total Basic Capital

Pemerintah Provinsi Jawa Barat

3.709.994.733



51,02%

3.709.994.733



38,26%

West Java Provincial Government

Pemerintah Kota Kabupaten Se-Jawa Barat

2.289.395.681



31,48%

2.289.395.681



23,61%

West Java Local Governments

Pemerintah Provinsi Banten

520.589.856



7,16%

520.589.856



5,37%

Banten Provincial Government

Pemerintah Kota Kabupaten Se-Banten

752.238.396



10,34%

752.238.396



7,76%

Banten Local Goverments

7.272.218.666



100,00%

7.272.218.666



75,00%

Total Shares Series A

Umum

-



-

2.393.470.000



24,68%

Public

Karyawan dan Manajemen (Program EMSA)

-



-

30.602.500



0,32%

Employees and Management

Total Saham Seri B

-



-

2.424.072.500



25,00%

Total Shares Series B

Jumlah Modal Ditempatkan dan Disetor Penuh

-



-

9.696.291.166



100,00%

Issued and Fully Paid Capital

Jumlah Modal Dasar

A Series

Seri A

A Series

Total Saham Seri A Seri B

B Series

Jumlah Saham dalam Portepel

8.727.781.334



6.303.708.834



Total Shares in Portepel

Seri A

2.327.781.334



2.327.781.334



Series A

Seri B

6.400.000.000



3.975.927.500



Series B

No.

Pemegang Saham

Jumlah Saham 1XPEHURI6KDUHV

% Kepemilikan 6KDUH2ZQHUVKLS

Des-14

(%)

Shareholders

A

Pemerintah Propinsi Jawa Barat

3.709.994.733,00

38,26%

Provincial Government of West Java

B

Pemerintah Kota & Kab. se - Jawa Barat

2.289.395.681,00

23,61%

Municipal Government - West Java

Pemerintah Kota se - Jawa Barat

570.876.956,00

5,89%

City Government - West Java

1

Kota Bandung

116.000.006,00

1,20%

Bandung City

2

Kota Cirebon

17.039.629,00

0,18%

Cirebon City

3

Kota Sukabumi

36.820.520,00

0,38%

Sukabumi City

4

Kota Bekasi

59.697.024,00

0,62%

Bekasi City

5

Kota Bogor

46.737.809,00

0,48%

Bogor City

6

Kota Cimahi

104.000.000,00

1,07%

Cimahi City

7

Kota Depok

89.581.968,00

0,92%

Depok City

8

Kota Tasikmalaya

60.000.000,00

0,62%

Tasikmalaya City

9

Kota Banjar

41.000.000,00

0,42%

Banjar City

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF Stock & Obligation Highlights 6WRFN 2EOLJDWLRQ+LJKOLJKWV .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

83 ,1)250$7,21)25,19(67256

No.

Pemegang Saham

Pemerintah Kabupaten se - Jawa Barat

Jumlah Saham 1XPEHURI6KDUHV

% Kepemilikan 6KDUH2ZQHUVKLS

Shareholders

1.718.518.725,00

17,72%

Municipal Government - West Java

1

Kabupaten Bandung

680.906.967,00

7,02%

Bandung Regency

2

Kabupaten Cirebon

53.609.080,00

0,55%

Cirebon Regency

3

Kabupaten Karawang

54.318.644,00

0,56%

Karawang Regency

4

Kabupaten Ciamis

5

Kabupaten Tasikmalaya

32.721.097,00

0,34%

Ciamis Regency





Tasikmalaya Regency

6 7

Kabupaten Sukabumi





Kabupaten Sukabumi

Kabupaten Subang





Kabupaten Subang

8

Kabupaten Indramayu





Kabupaten Indramayu

9

Kabupaten Bekasi





Kabupaten Bekasi

10

Kabupaten Sumedang





Kabupaten Sumedang

11

Kabupaten Bogor





Kabupaten Bogor

12

Kabupaten Cianjur





Kabupaten Cianjur

13

Kabupaten Kuningan





Kabupaten Kuningan

14

Kabupaten Majalengka





Kabupaten Majalengka

15

Kabupaten Garut





Kabupaten Garut

16

Kabupaten Purwakarta





Kabupaten Purwakarta

C

Pemerintah Propinsi Banten





Provincial Government of Banten

'

Pemerintah Kota & Kab. se - Banten





Municipal Government - Banten

Pemerintah Kota se - Banten





City Government - Banten

1

Kota Tangerang





Tangerang City

2

Kota Cilegon





Cilegon City

Pemerintah Kabupaten se - Banten





Regency Government - Banten

1

Kabupaten Serang





Serang Regency

2

Kabupaten Tangerang





Tangerang Regency

3

Kabupaten Lebak





Lebak Regency

4

Kabupaten Pandeglang





Pandeglang Regency

Total Saham yang Dimiliki Pemda





Total Shares Held by Local Governments

Total Saham yang Dimiliki Publik





Total Shares Held by Public

TOTAL





TOTAL

bank bjb $QQXDO5HSRUW 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO ,NKWLVDU6DKDP 2EOLJDVL Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

84

,1)250$6,%$*,,19(6725

Penitipan Kolektif di Lembaga Penyimpanan dan Penyelesaian No.

Pemegang Saham

A

Serie A

1

Pemda Kota Bandung

Jumlah Saham Number of Shares

&ROOHFWLYH &XVWRG\ DW WKH 'HSRVLWRU\ DQG Settlement Institution % Kepemilikan % Share Ownership

Shareholders Serie A

116.000.006

1,20%

Bandung Municipal Government Cirebon Municipal Government

2

Pemda Kota Cirebon

17.039.629

0,18%

3

Pemda Kota Bekasi

59.697.024

0,62%

Bekasi Municipal Government

4

Pemda Kota Cimahi

104.000.000

1,07%

Cimahi Municipal Government

5

Pemda Kota Banjar

6

Pemda Kabupaten Tasikmalaya

41.000.000

0,42%

Banjar Municipal Government

130.953.800

1,35%

Tasikmalaya Regency Government

7 8

Pemda Kabupaten Sukabumi

83.000.000

0,86%

Sukabumi Regency Government

Pemda Kabupaten Subang

42.926.558

0,44%

Subang Regency Government

9

Pemda Kabupaten Cianjur

102.416.760

1,06%

Cianjur Regency Government

10

Pemda Kabupaten Kuningan

27.508.120

0,28%

Kuningan Regency Government

11

Pemda Kabupaten Majalengka

35.462.669

0,37%

Majalengka Regency Government

12

Pemda Kabupaten Garut

26.366.698

0,27%

Garut Regency Government

13

Pemda Kabupaten Tangerang

289.306.189

2,98%

Tangerang Regency Government

14

Pemda Kabupaten Pandeglang

105.218.408

1,09%

Pandeglang Regency Government

15

Pemda Kabupaten Bekasi

73.550.504

0,76%

Bekasi Regency Government

16

Pemda Kabupaten Indramayu

84.047.907

0,87%

Indramayu Regency Government

17

Pemda Kabupaten Ciamis

32.721.097

0,34%

Ciamis Regency Government

18

Pemda Kabupaten Bogor

193.458.066

2,00%

Bogor Regency Government

19

Pemda Kabupaten Karawang

543.18.644

0,56%

Karawang Regency Government

1.618.992.079

16,72%

B

Seri B

1

Publik

Jumlah

Total B Series

2.424.072.500,00

25%

Public

Laporan Bulanan Kepemilikan Saham Emiten atau Perusahaan Publik dan Rekapitulasi yang telah dilaporkan

Monthly Report of Shareholding of Issuer or 3XEOLF &RPSDQ\ DQG 5HFDSLWXODWLRQ ZKLFK KDYH been reported

Berdasarkan Surat Keterangan No. DE/I/2015-0235 memenuhi ketentuan pasal 4 ayat 1 Peraturan Menteri Keuangan No. 283/PMK 03/2008 tanggal 30 Desember 2008 tentang Tata Cara Pelaksanaan dan Pengawasan Pemberian Penurunan Tarif Bagi Wajib Pajak Badan Dalam Negeri yang Berbentuk Perseroan Terbuka. Bersama ini PT Datyndo Entrycom selaku Biro Administrasi Efek yang melaksanakan administrasi kepemilikan saham pada PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk berdasarkan Akte No 78 tanggal 25 Juni 2010 Perjanjian Pengelola Administrasi Saham yang dibuat dihadapan Fathiah Helmi, Sarjana Hukum Notaris di Jakarta menerangkan bahwa data kepemilikan saham PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk untuk Tahun 2014 sesuai dengan Laporan Bulanan Kepemilikan Saham Emiten atau Perusahaan Publik dan Rekapitulasi yang telah dilaporkan (Formulir No. X.H.1-6) tertanggal 5 Januari 2015.

#BTFEPOUIF$FSUJmDBUF/P%&*$PNQMZJOHUPUIF provisions of Article 4 paragraph 1 of the Regulation of the Minister of Finance No. 283/PMK 03/2008 dated 30 December 2008 on the Implementation and Monitoring of Provision of Reduction for Domestic Corporate Taxpayers in the Form of a Publicly Listed Company. Herewith PT Datyndo Entrycom as the Share Registrar that carries out the administration of shares of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk based on the Deed No. 78 dated 25 June 2010 Share Registrar Agreement made before Fathiah Helmi, Bachelor of Law Notary in Jakarta explained that shareownership data of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk for 2014 is in accordance to the Monthly Report of Shareholding of Issuer or Public Company and Recapitulation that have been reported (Form No. X.H.1-6) dated 5 January 2015.

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF Stock & Obligation Highlights 6WRFN 2EOLJDWLRQ+LJKOLJKWV .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

85 ,1)250$7,21)25,19(67256

Dengan demikian Laporan Bulanan Kepemilikan Saham Emiten atau Perusahaan Publik Rekapitulasi dan yang telah dilaporkan (Formulir No. X.H.1-2) terlampir dapat dipergunakan untuk mengajukan permohonan penurunan tarif pajak kepada instansi yang berwenang apabila data kepemilikan saham memenuhi persyaratan sebagaimana dimaksud oleh Peraturan Pemerintah Republik Indonesia No. 77 Tahun 2013 yo Peraturan Menteri Keuangan No. 238/PMK.03/2008 tanggal 30 Desember 2008 tentang Tata cara pelaksanaan dan Pengawasan Pemberian Tarif Bagi Wajib Pajak Badan Dalam Negeri yang berbentuk Perseroan Terbuka.

Therefore the Monthly Report of Shareholding of Issuer or Public Company Recapitulation and that have been reported (Form No. X.H.1-2) attached can be used to apply for a tax reduction to relevant authorities if the share ownership data meets the requirements referred to by the Indonesian Government Regulation No. 77 of 2013 yo Finance Minister Regulation No. 238/PMK.03/2008 dated 30 December 2008 on the Implementation Procedure and Supervision of Tariff Provision for Domestic Corporate Taxpayer in the Form of a Publicly Listed Company.

Jumlah Hari Yang Memenuhi Syarat Number of Days Eligible

Posisi Akhir Bulan | Position End of Month Modal | Capital Bulan Month

Kepemilikan • 5% | Ownership • 5%

Dasar Disetor Jumlah (Jumlah Saham) (Jumlah Saham) Saham Basic Paid-up Number of (Number of (Number of Shares Shares) Shares)

Jumlah Pemegang Saham Number shareholders

% Kepemilikan Saham Shareownership

Kepemilikan < 5% | Ownership < 5% Jumlah Pemegang Jumlah Saham Saham 1XPEHURI Number 6KDUHV shareholders

% Kepemilikan Bulan Ini This Month Saham Shareownership

Total sampai dengan Bulan ini Total until This Month

Januari/January

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

8.207

4.784.799.610

49,35

0

0

Februari/February

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

7.811

4.784.799.610

49,35

0

0

Maret/March

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

8.724

4.784.799.610

49,35

0

0

April/April

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

9.782

4.784.799.610

49,35

0

0

Mei/May

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

11.018

4.784.799.610

49,35

0

0

Juni/June

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.956

4.784.799.610

49,35

12

12

Juli/July

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.928

4.784.799.610

49,35

31

43

Agustus/August

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.994

4.784.799.610

49,35

31

74

September/September

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.838

4.784.799.610

49,35

30

104

Oktober/October

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.839

4.784.799.610

49,35

31

135

November/November

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.656

4.784.799.610

49,35

30

165

Desember/December

16.000.000.000

9.696.291.166

3

4.911.491.556

50,65

10.765

4.784.799.610

49,35

31

196

Sesuai dengan PP No 77 yang ditetapkan tanggal 21 November 2013 Syarat untuk memperoleh penurunan Tarif Pajak Penghasilan adalah sebagai berikut : 1. Paling Sedikit 40% dari saham disetor, dicatatkan di BEI dan masuk dalam penitipan kolektif di Lembaga Penitipan dan Penyelesaian 2. Saham sebagaimana dimaksud harus dimiliki oleh paling sedikit 300 pihak dan masing-masing pihak hanya dapat memiliki saham kurang dari 5% dari saham disetor serta harus dipenuhi dalam waktu paling sedikit 183 hari kalender dalam 1 tahun Pajak In accordance with Regulation No. 77, which was stipulated on 21 November 2013, Requirements to obtain a reduction in Income Tax Rates are as follows: 1. At least 40% of the paid up capital, listed on BEI and included in collective custody in a Custody and Settlement Institution  4IBSFTSFGSFFETIBMMCFPXOFECZBUMFBTUQBSUJFTBOEFBDIQBSUZDBOPOMZIBWFMFTTUIBOTIBSFTPGUIFQBJEVQDBQJUBMBOETIBMMCFGVMmMMFEXJUIJODBMFOEBSEBZTJO5BYZFBS 

.RPSRVLVL6DKDP 3HPHULQWDK'DHUDKGDQ3XEOLN

.RPSRVLVL6DKDP /RNDOGDQ$VLQJ

Share Composition of Local Government and Public

Share Composition of Domestic and Foreign

25%



13,72%

75%

86,27% Lokal Domestic

Lokal Domestic

Asing Foreign

Asing Foreign

bank bjb $QQXDO5HSRUW 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO ,NKWLVDU6DKDP 2EOLJDVL Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

86

,1)250$6,%$*,,19(6725

Status Pemilik

Jumlah Pemegang Saham 1XPEHURI6KDUHKROGHUV

Jumlah Saham 1XPEHURI6KDUHV

% Pemilikan 2ZQHUVKLS

Perorangan Indonesia

Ownership Status 1DWLRQDO,QYHVWRUV

Pemodal Nasional 9.930

682.933.150

7,04

Individuals, Domestic

33

7.272.218.666

75,00

Local Governments

431

21.459.000

0,22

Employees

2

9.239.500

0,09

Cooperatives

9

14.190.800

0,14

Foundations

77

169.802.100

1,75

Pension Funds

Pemerintah Daerah Karyawan Koperasi Yayasan Dana Pensiun Asuransi

11

63.194.400

0,65

Insurance

Perseroan Terbatas

69

1.653.818.798

17,05

Limited Companies

Reksa Dana

30

97.461.746

1,00

Mutual Funds

8.262.312.478

85,21

Sub Total

Sub Total )RUHLJQ,QYHVWRUV

Pemodal Asing Perorangan Asing

36

3.669.100

0,03

Individuals, Foreign

Badan Usaha Asing

159

1.327.295.776

13,68

Institutions, Foreign

Sub Total

195

1.330.964.876

13,72

Sub Total

JUMLAH

10.768

9.696.291.166

100,00

TOTAL

.HELMDNDQ3HPEDJLDQ'LYLGHQ

'LYLGHQG3ROLF\

Berdasarkan Anggaran Dasar PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. jumlah dividen yang dibagikan yang berasal dari laba bersih yang besarannya ditetapkan dalam keputusan RUPS Tahunan dengan memperhatikan peraturan perundang-undangan yang berlaku. Keputusan untuk membayarkan dividen tergantung pada laba, kondisi keuangan, likuiditas kepatuhan terhadap peraturan perundang-undangan dan faktor-faktor lain yang dianggap relevan oleh Direksi bank bjb setelah memperoleh persetujuan RUPS.

Under the Articles of Association of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. the amount of dividend GSPN OFU JODPNF XIJDI BNPVOU TQFDJmFE JO UIF EFDJTJPO PG the Annual GMS with regards to the applicable legislations. 5IFEFDJTJPOUPQBZEJWJEFOETEFQFOETPOFBSOJOHT mOBODJBM conditions, liquidity, compliance the with laws and regulations and other factors deemed relevant by the Board of Directors of bank bjb after obtaining the approval of the GMS.

Berdasarkan hasil keputusan RUPS Tahunan Tahun Buku 2013 yang diselenggarakan pada tanggal 26 Maret 2014 lalu, jumlah dividen yang dibagikan tahun 2014 adalah sebesar 55% dari Laba Bersih Tahun Buku 2013. Adapun dividen tunai Tahun Buku 2013 per saham Rp78,1 (tujuh puluh delapan koma satu rupiah) dibagikan dengan jadwal dan tata cara sebagai berikut:

Based on the results of the 2013 Fiscal Year Annual GMS which was held on 26 March 2014, the amount of dividends to be distributed in 2014 amounted to 55% of the Net Income of the 2013 Fiscal Year. The cash dividend per share for the mOBODJBMZFBSJT3Q  TFWFOUZFJHIUDPNBPOFSVQJBI  to be distributed with the following schedule and procedures:

Jadwal Pembayaran Dividen Tunai Tahun Buku 2014 bank bjb’s Cash Dividend and Dividend Payout Ratio in 2014 Pasar/Market

Tanggal/Date

Description

Akhir periode perdagangan saham dengan hak dividen (cum dividen)

Keterangan

Pasar Reguler dan Negosiasi

16 April 2014

End of period stock with dividend rights (cum dividend)

Pasar Tunai

22 April 2014

Awal periode perdagangan saham tanpa hak dividen (ex dividen)

Pasar Reguler dan Negosiasi

17 April 2014

Pasar Tunai

23 April 2014

Tanggal Daftar Pemegang Saham Yang berhak atas dividen (recording date)

22 April 2014

Tanggal Pembayaran Dividen Tunai

7 Mei 2014

Tanggal Pendistribusian Bukti Pemotongan Pajak Dividen Tunai

21 Mei 2014

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Beginning of period stock trading without dividend rights (ex dividend) Date List of Shareholders entitled to dividend (record date) Cash Dividend Payment Date Evidence Distribution Date Dividend Withholding Tax

Introduction Management Report $PNQBOZ1SPmMF Stock & Obligation Highlights 6WRFN 2EOLJDWLRQ+LJKOLJKWV .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

87 ,1)250$7,21)25,19(67256

Dividen yang telah dibayarkan oleh bank bjb dan Dividen of Payout Ratio selama 7 tahun terakhir bank bjb’s Cash Dividend and Dividend Payout Ratio in last 7 years Tahun Buku | Fiscal Year

Pemerintah/Government

Publik/Public

Total

Payout Ratio

2013

567.960.277.815

189.320.062.250

757.280.340.065

55,00%

2012

497.883.069.805

165.960.996.659

663.844.066.464

56,00%

2011

444.129.883.759

148.043.270.849

592.173.154.608

62,50%

2010

433.958.178.660

144.652.703.027

578.610.881.686

65,00%

2009

472.737.308.935

-

472.737.308.935

66,67%

2008

370.485.343.964

-

370.485.343.964

68,33%

2007

282.181.817.666

-

282.181.817.666

76,13%

Kepemilikan Pemegang Saham

Share Ownership

Kepemilikan Saham yang Mencapai > 5% per Desember 2014 Share Ownership More Than 5% as of December, 2014 Nominal No

Nama

Saham Share

(Rp 250)

% Kepemilikan Shareownership

Harga Penutupan Closing Price (Rp 730)

Name

1

Pemda Provinsi Jawa Barat

3.709.994.733



2.708.296.155.090



West Java Provincial Government

2

Pemda Kabupaten Bandung

680.906.967



497.062.085.910



Bandung Regency Government

3

Pemda Provinsi Banten

520.589.856



380.030.594.880



Banten Provincial Government

Kepemilikan Saham Komisaris dan Direksi per Desember 2014 Share Ownership by Board of Commissioners and Board of Directors as of December, 2014 Nominal No

Saham Share

Nama

1

MUHADI

2

SUARTINI

Harga Penutupan Closing Price (Rp 730)

(Rp 250)

% Kepemilikan Shareownership

Name

2.341.500

585.375.000

1.709.295.000

0,024

MUHADI

5.000

1.250.000

3.650.000

0,000

SUARTINI

Kepemilikan Saham < 5% per Desember 2014 Share Ownership Less Than 5% as of December, 2014 Nominal Jumlah Pemegang Saham

10.768

Saham Share

(Rp 250)

4.784.799.610

1.196.199.902.500

Harga Penutupan Closing Price (Rp 730) 3.492.903.715.300

% Kepemilikan Shareownership 49,35

Number of Shareholders

10.768

bank bjb $QQXDO5HSRUW 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO ,NKWLVDU6DKDP 2EOLJDVL Ikhtisar Saham & Obligasi "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

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Hubungan Investor (IR) adalah tanggung jawab manajemen strategis yang mengintegrasikan keuangan, komunikasi, pemasaran dan kepatuhan hukum selain memungkinkan komunikasi dua arah antara perusahaan, masyarakat dan konstituen lain. Dibentuk sejak Juli tahun 2010, Grup Hubungan Investor yang merupakan bagian dari Divisi Corporate Secretary bank bjb telah menjadi jembatan antara manajemen bank bjb dengan investor dan analis dalam memperoleh informasi tentang bank bjb. bank bjb berupaya untuk meningkatkan transparansi dan pengungkapan perusahaan melalui fungsi Hubungan Investor. Berkaitan dengan penerapan GCG dan prinsip keterbukaan serta transparansi terhadap seluruh aktivitas perusahaan terutama yang bersifat material, Hubungan Investor berusaha memberikan yang terbaik bagi pengguna informasi secara cepat, akurat dan tepat waktu yang berdampak pada pemahaman yang lebih baik akan kinerja perusahaan serta dalam hal pengambilan keputusan berinvestasi.

Investor Relations (IR) is a strategic management responsibility UIBU JOUFHSBUFT mOBODF  DPNNVOJDBUJPO  NBSLFUJOH BOE MFHBM compliance in addition to allowing two-way communication between companies, communities and other constituencies. Formed in July 2010, the Coordinator of the Investor Relations Group, which is part of the Bank’s Corporate Secretary Division, is a bridge between Bank management and investors. Bank bjb seeks to enhance corporate transparency and disclosure through the function of Investor Relations. In connection with the implementation of GCG and the principles of openness and transparency on all material Company activities, Investor Relations strives to provide good information quickly, accurately and timely for better understanding of Company performance and in terms of investment decisions.

Grup Hubungan Investor memperkenalkan bank bjb kepada komunitas pasar modal dengan melakukan rangkaian komunikasi dengan para pemegang saham. Untuk menerapkan prinsip keterbukaan dan transparansi terhadap setiap aktivitas Perusahaan terutama yang bersifat material, Grup Hubungan Investor menyampaikan informasi secara tepat waktu dan seimbang melalui berbagai sarana komunikasi seperti email, situs web dan conference call. Untuk memenuhi kewajiban keterbukaan informasi kepada Publik, hubungan investor senantiasa melakukan pelaporan baik rutin maupun insidental kepada Otoritas Jasa Keuangan (OJK) dan Bursa Efek Indonesia sebagai Otoritas Pasar Modal. Selain itu, juga dilakukan forum-forum pertemuan dengan analis dan investor melalui pertemuan publik, temu analis, conference call, kunjungan analis, kunjungan lapangan, partisipasi dalam konferensi, non deal roadshow.

The Investor Relations Group introduces bank bjb to local markets by conducting communication sessions with shareholders. To apply the principles of openness and transparency of all material Company activities, the Investor Relations Group conveys information in a timely and balanced way through various communication channels such as email, XFCTJUFT BOE DPOGFSFODF DBMMT 5P GVMmM UIF PCMJHBUJPOT PG disclosing information to the public, Investor Relations is always doing both routine and incidental reporting to Indonesia Financial Services Authority (FSA) and the Indonesia Stock Exchange as capital market authorities. In addition, forums with analysts and investors through public meetings, analyst meetings, conference calls, analyst visits, on-site visits, participation in conferences and non-deal road shows are conducted.

Kegiatan Hubungan Investor selama tahun 2014 Investor Relations Activities during 2014 Instansi OJK (Otoritas Jasa Keuangan) dahulu Bapepam-LK BEI Temu Analis/Investor pada $POGFSFODF$PSQPSBUF%BZ Temu Analis/Investor (one on one) Conference Call Site Visit RUPS Public Expose Laporan Tahunan Analyst Meeting Temu Investor pada /PO%FBM3PBETIPX

bank bjb /DSRUDQ7DKXQDQ2014 bank bjb Laporan Tahunan 2014

Periode 46 83 28 38 7 4 4 1 1 4 28

Institutions FSA/Financial Services Authority formerly Bapepam-LK Indonesia Stock Exchange Analyst Meeting/Conference/Corporate Day (one on one) Analyst Meeting Conference Call Site Visit GMS Public Expose Annual Report Analyst Meeting Investor Meeting on Non Deal Roadshow

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Analisa & Pembahasan atas Kinerja Perseroan Management Discussion & Analysis on Company Performance TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA REVIEW OF BUSINESS DEVELOPMENT PLAN, POLICY AND STRATEGY

92

TINJAUAN BISNIS & INDUSTRI BUSINESS & INDUSTRY REVIEW

100

• Konsumer Consumer

110

• bjb Precious bjb Precious

128

bank bjb Laporan Tahunan 2014

• Korporasi & Komersial Corporate & Commercial

136

• Mikro Micro

144

• Internasional & Treasuri International & Treasury

154

• KPR & Mortgage Mortgage & Financial Housing

168

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

91

180

• Ikatan Material untuk Investasi Barang Modal Material Commitments for Investment in Capital Goods

229

• Bisnis Syariah Sharia Business

180

• Perubahan Penting yang Terjadi di Bank Material Changes that Occured in the Bank

230

• PD BPR LPK Garut Kota PD BPR LPK Garut Kota

184

• Informasi dan Fakta Material yang Terjadi Setelah Tanggal Laporan Akuntan Material Fact and Information Subsequent to Reporting Date

231

• PD BPR LPK Jalancagak PD BPR LPK Jalancagak

188 • Program Kepemilikan Saham oleh Karyawan dan Manajemen Employee and Management Stock Ownership Program

232

• Penggunaan Dana Penawaran Umum Utilization of Public Offering Funds

233

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233

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237

• Tinjauan Kinerja Anak Perusahaan Subsidiary Performance Review

• Rencana Terhadap Anak Perusahaan dan Perusahaan Asosiasi Ke Depan/The Future Plan for Subsidiaries and Associated Companies

191

• Aspek Pemasaran Marketing Aspect

192

TINJAUAN KEUANGAN FINANCIAL REVIEW

202

• Perekonomian Indonesia Tahun 2014 Indonesian Economy in 2014

203

• Kinerja Umum 2014 General Performance in 2014

206

• Tinjauan Laba Rugi  3URÀW/RVV5HYLHZ

208

• Informasi Keuangan Material Lainnya Other Material Financial Information

225

• Kebijakan atas Struktur Modal Policy on Capital Structure

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240

TINJAUAN PENDUKUNG BISNIS SUPPORTING BUSINESS REVIEW

248

• Sumber Daya Manusia Human Resources

250

• Teknologi Informasi Information Technology

292

MANAJEMEN RISIKO RISK MANAGEMENT

316

226

bank bjb Annual Report 2014

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2014 PLAN

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb) telah menetapkan rencana strategis perusahaan dengan tema “" 4VTUBJOBCMF (SPXUI BOE 1SPmUBCMF /BUJPOBM Bank” untuk periode 2011-2015. Strategi pertumbuhan CFSLFTJOBNCVOHBO EFOHBO QSPmUBCJMJUBT UJOHHJ JOJMBI ZBOH menjadi pedoman bagi bank bjb dalam menentukan visi dan program tahunan.

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (bank bjb  IBT TFU UIF $PNQBOZT TUSBUFHJD QMBO XJUI UIF UIFNF i" 4VTUBJOBCMF (SPXUI BOE 1SPmUBCMF /BUJPOBM #BOLw GPSUIFQFSJPE5IFTUSBUFHZPGTVTUBJOBCMFHSPXUI XJUI IJHI QSPmUBCJMJUZ CFDPNFT UIF HVJEFMJOF GPS CBOL bjb in EFmOJOHJUTWJTJPOBOEBOOVBMQSPHSBNT

5BIVO  ZBOH NFNBTVLJ fase “Leading in Service as One of the Big Bank”. Periode ini merupakan transformasi lanjutan dari pencapaian ‘next level’ bank bjb  ZBOH diarahkan untuk menjadi bank nasional dengan pertumbuhan CFSLFTJOBNCVOHBO  UJOHLBU QSPmUBCJMJUBT UJOHHJ  TFSUB VOHHVM EBMBNCJEBOHQFMBZBOBO

In 2014 the Bank enters the phase of “Leading in Service as One of the Big Bank”. This period is the continual transformation of the achievement of bank bjb’s ‘next level’ geared to be a national bank with sustainable growth, high MFWFMPGQSPmUBCJMJUZ BOEFYDFMMFOUJOTFSWJDF

2011-2012

2013-2014

2015

BUILDING/ESTABLISHMENT NEW INFRASTRUCTURES

LEADING SERVICE AS ONE OF THE BIG BANKS

A NATIONAL BANK LEADING SERVICE AND PERFORMANCE

STRATEGY

STRATEGY

STRATEGY

Developing HR Competence, IT Infrastructure, and Organization for: • Micro & SME Financing • Consumer & Commercial Banking • Treasury & International

bank bjb Laporan Tahunan 2014

Matching the 10 Biggest Banks in areas: • HR Competence/IT • Services • bank bjb “Incorporated”

Leading in Service and Performance National Bank

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

93

Sejumlah inisiatif strategi untuk mencapai visi tersebut. Di BOUBSBOZB NFMBMVJQFOJOHLBUBOQFOEBQBUBOPQFSBTJPOBMEBO menurunkan pertumbuhan beban operasional.

The Bank established several strategic initiatives to achieve its vision. Among others through increasing operating income and lowering the growth of operational expenses.

Dalam 5 tahun terakhir, pendapatan bunga bersih bank bjb SBUBSBUB NFOJOHLBU TFCFTBS   /BNVO QFOJOHLBUBO JOJ EJJLVUJEFOHBOCFCBOPQFSBTJPOBMOPOCVOHBZBOHNFOJOHLBU MFCJI CFTBS  ZBJUV SBUBSBUB TFCFTBS   )BM UFSTFCVU NFODFSNJOLBOLPOEJTJZBOHUJEBLFmTJFOEBMBNQFOHFMPMBBO CJBZBCJBZB PQFSBTJPOBM ZBOH EBQBU CFSBLJCBU TFNBLJO UFSHFSVTOZBMBCBCBOL

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Pendapatan bunga bank bjb sebagian besar merupakan kontribusi bunga kredit. Kredit Guna Bakti (KGB) dalam 5 tahun terakhir rata-rata memberikan kontribusi pendapatan bunga sebesar 81% dari seluruh pendapatan bunga segmen LSFEJUMBJOOZB

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1FHBXBJ/FHFSJ4JQJM 1/4 TFCBHBJcaptive market bank bjb IBSVTUFUBQEJQFSUBIBOLBONFMBMVJQFMBZBOBOQSJNBZBOHUFSVT ditingkatkan. Service excellent tersebut juga diberlakukan LFQBEBOBTBCBIMBJOOZB NBVQVODBMPOOBTBCBICBOLbjb.

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"EBQVOLPNQPOFOCJBZBPQFSBTJPOBMZBOHIBSVTEJXBTQBEBJ dan menjadi tantangan bagi bank bjb untuk segera EJMBLVLBO FmTJFOTJ ZBJUV CFCBO UFOBHB LFSKB EFOHBO SBUB SBUB QFOJOHLBUBO TFMBNB  UBIVO TFCFTBS   TFSUB #JBZB QFNCFOUVLBO $BEBOHBO ,FSVHJBO 1FOVSVOBO /JMBJ $,1/  dengan rata-rata peningkatan selama 5 tahun sebesar 15%. .FOZJLBQJ QFSUVNCVIBO CJBZB PQFSBTJPOBM ZBOH TFNBLJO meningkat serta dalam rangka menjaga pertumbuhan QSPmUBCJMJUBT CBOL  NBLB MBOHLBIMBOHLBI VOUVL NFMBLVLBO FmTJFOTJ BEBMBI TVBUV CFOUVL LFIBSVTBO EFNJ NFOFLBO UVNCVIOZB CJBZB PQFSBTJPOBM 0QUJNBMJTBTJ KBSJOHBO LBOUPS ZBOH BEB EFOHBO QFOJOHLBUBO BTFU TFSUB NFNBLTJNBMLBO QFSUVNCVIBOMBCBEJTFSUBJFmTJFOTJCJBZBPQFSBTJPOBMNFOKBEJ salah satu fokus dalam pencapaian rencana bisnis tahun 2014.

Labor cost with an average increase of 42% during the last 5 ZFBSTBTXFMMBTUIF"MMPXBODFGPS*NQBJSNFOU-PTTFT $,1/  XJUIBOBWFSBHFJODSFBTFPGPWFSUIFQBTUZFBSTCFDPNF the Bank’s challenging component of operational costs which TIPVMECFDPODFSOFEBOENBEFFGmDJFOU3FTQPOEJOHUPUIF growth of operational costs which continues to increase as well BTJOPSEFSUPNBJOUBJOUIF#BOLTQSPmUBCJMJUZHSPXUI BDUJPOT UPQFSGPSNFGmDJFODZJTBNVTUGPSUIFJOPSEFSUPTVQQSFTTUIF HSPXUIPGPQFSBUJOHDPTUT0QUJNJ[BUJPOPGUIFFYJTUJOHPGmDF OFUXPSL XJUI JODSFBTFE BTTFUT BOE NBYJNJ[JOH QSPmU HSPXUI BDDPNQBOJFECZPQFSBUJPOBMDPTUFGmDJFODJFTCFDBNFPOFPG the focuses to achieve the 2014 business plan.

bank bjb Annual Report 2014

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94

TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA

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 (ÀVLHQVL%LD\D2SHUDVLRQDO  1FOHIFNBUBO CJBZB PQFSBTJPOBM QFSMV UFSVT EJMBLVLBO dengan komitmen kuat dari manajemen dalam melakukan QFOHIFNBUBO EJ TFHBMB CJEBOH 6QBZB FmTJFOTJ CJBZB operasional akan dilakukan melalui pengendalian CJBZB cost control

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 2SHUDWLRQDO&RVW(IÀFLHQF\  5IFFGmDJFODZPGPQFSBUJPOBMDPTUTIPVMEDPOUJOVPVTMZCF conducted with strong commitment from the management UP QFSGPSN FGmDJFODZ JO BMM BSFBT 0QFSBUJPOBM DPTU FGmDJFODZ JT DPOEVDUFE UISPVHI DPTU DPOUSPM  BNPOH PUIFST CZ DPNQBSJOH UIF BDUVBM DPTU UP UIF CVEHFU UIF largest component of operational cost is the cost of labor, GPMMPXFECZUIF"MMPXBODFGPS*NQBJSNFOU-PTTFT $,1/  cost.



Improvement of the business processes in lending, FTQFDJBMMZJODPNNFSDJBMBOENJDSPDSFEJUTIPVMEDPOUJOVF to be performed through the improvement of organizational TUSVDUVSF UP CF NPSF FGGFDUJWF BOE FGmDJFOU *O BEEJUJPO  UIF VTF PG JOGPSNBUJPO UFDIOPMPHZ UP TVQQPSU XPSL DBO CF B XBZ UP SFEVDF PQFSBUJPOBM DPTU  QFSGPSN NBSLFUJOH BOE FEVDBUF DVTUPNFST UP VTF UIF QBZNFOU UFDIOPMPHZ provided bank bjb.

1FNCFOBIBO QSPTFT CJTOJT EBMBN QFOZBMVSBO LSFEJU terutama pada kredit komersial dan mikro harus terus EJMBLVLBO NFMBMVJ QFOZFNQVSOBBO TUSVLUVS PSHBOJTBTJ ZBOHFGFLUJGEBOFmTJFO4FMBJOJUV QFOHHVOBBOUFLOPMPHJ JOGPSNBTJ ZBOH EJHVOBLBO VOUVL NFOEVLVOH QFLFSKBBO dapat menjadi salah satu cara untuk menekan pengeluaran CJBZBPQFSBTJPOBM VQBZBNFNBTBSLBOEBONFOHFEVLBTJ OBTBCBIVOUVLNFOHHVOBLBOUFLOPMPHJQFNCBZBSBOZBOH telah disediakan oleh bank bjb. Apabila pemanfaatan teknologi informasi ini bisa diaplikasikan secara optimal, hal itu dapat mengembalikan CJBZBJOWFTUBTJZBOHCFSCJBZBUJOHHJ4FMBOKVUOZB NBNQV NFOFLBOCJBZBPQFSBTJPOBMTFSUBCJTBNFOKBEJTBMBITBUV sumber pendapatan (fee based income  ZBOH EBQBU diandalkan.

2. Pengembangan dan Peningkatan Kualitas Layanan  *NQMFNFOUBTJ CVEBZB MBZBOBO QBEB UBIVO  EJBSBILBO LFQBEB QFOJOHLBUBO LVBMJUBT MBZBOBO EJ TFNVB MFWFM .BOBKFNFO 1FOHVLVSBO ,VBMJUBT -BZBOBO EJJNQMFNFOUBTJLBOLFQBEBQFOHVLVSBOLVBMJUBTMBZBOBO  CBJL NFODBLVQ BTQFL TVNCFS EBZB NBOVTJB NBVQVO TUBOEBSEJTBTJBTQFLmTJL Premises) di seluruh outlet bank

bank bjb Laporan Tahunan 2014



*G UIF VTF PG JOGPSNBUJPO UFDIOPMPHZ DBO CF BQQMJFE PQUJNBMMZ  IJHI DPTU JOWFTUNFOUT DBO CF SFDPWFSFE 'VSUIFSNPSF  PQFSBUJPOBM DPTU DBO CF SFEVDFE BOE NBZ become a source of income (fee-based income) that can be relied upon.

2. Development and Improvement of the Quality of Services The application of service culture in 2014 was aimed UP JNQSPWF UIF RVBMJUZ PG TFSWJDFT BU BMM MFWFMT 5IF .FBTVSFNFOUPG4FSWJDFT2VBMJUZNBOBHFNFOUXBTBQQMJFE UP NFBTVSF UIF RVBMJUZ PG TFSWJDFT  CPUI DPWFSJOH UIF aspects of human resources as well as the standardization

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95

PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY

bjb dengan sasaran masuk dalam peringkat 10 (sepuluh) LBUFHPSJ #BOL 6NVN /BTJPOBM QFOJMBJBO Bank Services Excellent Monitoring #4&. WFSTJ.3*

PG QIZTJDBM BTQFDUT 1SFNJTFT  JO BMM PVUMFUT PG CBOL bjb XJUIUIFUBSHFUUPCFPOFPGUIFUPQJOUIFDBUFHPSZPG /BUJPOBM $PNNFSDJBM #BOL XJUI #BOL 4FSWJDFT &YDFMMFOU .POJUPSJOH #4&. .3*WFSTJPO

3. Pengembangan Kompetensi Sumber Daya Manusia  1FOHFNCBOHBO LPNQFUFOTJ TVNCFS EBZB NBOVTJB NFSVQBLBO TUSBUFHJ CFSLFMBOKVUBO ZBOH UFSVT EJMBLVLBO NFMBMVJCFCFSBQBVQBZBTFCBHBJCFSJLVU 1. Merancang program pendidikan dan pelatihan secara terstruktur dan berkesinambungan sesuai dengan training program academy. 2. Peningkatan peran dan fungsi Assessment Center berbasis kompetensi untuk mendukung pertumbuhan CJTOJTCBOLZBOHCFSLFMBOKVUBO  1FOZFNQVSOBBO TJTUFN JOGPSNBTJ 4%. ZBOH komprehensif dan terintegrasi sehingga dapat NFNCFSJLBO QFUB LPOEJTJ QFHBXBJ ZBOH BEB TBBU JOJ EBO BSBI QFOHFNCBOHBO QFHBXBJ ZBOH IBSVT dilakukan.

3. Development of Human Resource Competency The development of human resources competence CFDPNFT B TVTUBJOBCMF TUSBUFHZ XIJDI DPOUJOVFE UP CF QFSGPSNFEUISPVHIUIFGPMMPXJOHNFBTVSFT 1. Design structured and continuous educational and training programs in accordance with the training QSPHSBNBDBEFNZ  *ODSFBTF UIF SPMF BOE GVODUJPO PG UIF DPNQFUFODZ based Assessment Center to support the sustainable growth of the Bank’s business.  3FmOFNFOU PG B DPNQSFIFOTJWF BOE JOUFHSBUFE )3 JOGPSNBUJPO TZTUFN TP BT UP QSPWJEF B NBQ PG UIF condition of the existing personnel and the direction of FNQMPZFFEFWFMPQNFOUOFDFTTBSZUPCFQFSGPSNFE

4. Pengembangan Teknologi Informasi Untuk mempercepat serta memperkuat pertumbuhan bisnis bank bjb, pengembangan teknologi informasi EJBSBILBO VOUVL NFOZFEJBLBO MBZBOBO QFSCBOLBO ZBOH aman, cepat dan mudah serta customer oriented, melalui VQBZBTFCBHBJCFSJLVU 1. Peningkatan aplikasi core banking ZBOH EJTFTVBJLBO dengan kebutuhan bisnis.  .FOJOHLBULBO JOGSBTUSVLUVS ZBOH NFNBEBJ EBMBN rangka perluasan electronic banking.  1FOHFNCBOHBO mUVS MBZBOBO QFSCBOLBO ZBOH MFCJI beragam dan multi-channel.  .FOFSBQLBOQSJOTJQUBUBLFMPMBQFSVTBIBBOZBOHCBJL (Good Corporate Governance/GCG) dalam proses pengadaan dan pengembangan teknologi informasi.

4. Information Technology Development To accelerate and strengthen the bank bjb’s business HSPXUI  UIF EFWFMPQNFOU PG JOGPSNBUJPO UFDIOPMPHZ JT directed to provide banking services that are safe, fast and FBTZ BTXFMMBTDVTUPNFSPSJFOUFE UISPVHIUIFGPMMPXJOH NFBTVSFT 1. Improve the core banking application tailored to the needs of the business. 2. Improve adequate infrastructure in order to expand electronic banking. 3. Develop a more diverse and multi-channel banking services features.  "QQMZ UIF QSJODJQMFT PG HPPE DPSQPSBUF HPWFSOBODF (GCG) in the procurement process and the EFWFMPQNFOUPGJOGPSNBUJPOUFDIOPMPHZ

5. bjb Incorporated Untuk mewujudkan bank bjb incorporated diperlukan sinergi bisnis antara bank bjb dengan perusahaan anak agar mampu memberikan kontribusi optimal dalam rangka meningkatkan pertumbuhan aset dan pendapatan bank secara non-organik.

5. bjb Incorporated To realize the bank bjb incorporated, bank bjb is required UPCFTZOFSHJ[FEXJUIJUTTVCTJEJBSJFTDPNQBOZJOPSEFSUP DPOUSJCVUFPQUJNBMMZUPJNQSPWFUIF#BOLTBTTFUTHSPXUI and non-organic earnings.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

96

TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA



1FOZFSUBBO NPEBM UBIVO  BLBO EJMBLVLBO LFQBEB #13-,  .VMUJmOBODF  "TVSBOTJ +JXB EBOBUBV "TVSBOTJ Kerugian. Selain itu, penambahan setoran modal kepada CKCTZBSJBIEBO"TLSJEB



$BQJUBM JOWFTUNFOU JO  XBT QFSGPSNFE UP #13-,  .VMUJmOBODF -JGF*OTVSBODFBOEPS*OTVSBODF*OBEEJUJPO  DBQJUBMXBTJOKFDUFEUP#+#4ZBSJBIBOE"TLSJEB

KEBIJAKAN DAN STRATEGI PENCAPAIAN

POLICY AND ACHIEVEMENT STRATEGY

6OUVLNFODBQBJSFODBOBWJTJEBONJTJUBIVOZBOHTVEBI ditetapkan tersebut, sejumlah strategi dan kebijakan telah disiapkan oleh bank bjb ZBJUV

To achieve the 2014vision and mission as planned, a number PGTUSBUFHJFTBOEQPMJDJFTIBWFCFFOQSFQBSFECZCBOLbjb, OBNFMZ

1. Peningkatan Market Share Dana Pihak Ketiga  )BMJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU

 *ODSFBTFUIF.BSLFU4IBSFPGUIF5IJSE1BSUZ'VOET 5IJTJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT

B 1FSUVNCVIBO%BOB1JIBL,FUJHBZBOH0QUJNBM  .FOZFMFOHHBSBLBO QSPHSBN QSPNPTJ QFNBTBSBO produk dana.  1FOHFNCBOHBOQSPEVLZBOHCFSPSJFOUBTJLFQBEB LFCVUVIBOOBTBCBINBTZBSBLBU - Optimalisasi Institutional Banking untuk QFOHFSBIBOEBOB#6./ #6.%NBVQVOJOTUJUVTJ MBJOOZB

B 0QUJNBM(SPXUIPG5IJSE1BSUZ'VOET - Perform marketing promotion on funding products. - Develop products oriented to the needs of the DVTUPNFSTDPNNVOJUZ  0QUJNJ[F *OTUJUVUJPOBM #BOLJOH GPS UIF EFQMPZNFOU of funds of state-owned companies, regionalowned companies and other institutions.

C 1FOHFNCBOHBOEBO1FOJOHLBUBO,VBMJUBT-BZBOBO  1FOJOHLBUBOLVBMJUBTMBZBOBOEJTFNVBMFWFM CBJL EJ ,BOUPS 1VTBU  ,BOUPS 8JMBZBI NBVQVO ,BOUPS Cabang.  1FOJOHLBUBO LVBMJUBT MBZBOBO electronic banking untuk meningkatkan corporate image dan fee based income  TFSUB QFMBZBOBO LFQBEB OBTBCBI dalam transaksi e-banking (bjb digi).

C %FWFMPQBOE*NQSPWFUIF2VBMJUZPG4FSWJDFT  *NQSPWF UIF RVBMJUZ PG TFSWJDFT BU BMM MFWFMT  CPUI BU UIF )FBERVBSUFS  3FHJPOBM 0GmDFT BOE #SBODI 0GmDFT  *NQSPWFUIFRVBMJUZPGFMFDUSPOJDCBOLJOHTFSWJDFT to improve corporate image and fee-based income, as well as services to customers in e-banking transactions.

 1FOJOHLBUBO1FOZBMVSBO,SFEJU  4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU a. Akselerasi fungsi Bank sebagai lembaga intermediasi.

2. Increase Lending  5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH B "DDFMFSBUJPOPGUIF#BOLTGVODUJPOBTBOJOUFSNFEJBSZ institution.

b. Peningkatan pemberian kredit baik sektor produktif maupun konsumtif dengan mengoptimalkan penggunaan dana dengan tetap memperhatikan prinsip kehati-hatian.

b. Increase lending both in the productive and DPOTVNQUJWF TFDUPST UP PQUJNJ[F UIF VTF PG GVOET CZ UBLJOHJOUPBDDPVOUUIFQSFDBVUJPOBSZQSJODJQMF

c. Mempertahankan serta terus melakukan ekspansi kredit konsumsi terutama kredit KGB, serta QFOJOHLBUBOQFSUVNCVIBO,13

D .BJOUBJO BOE FYQBOE DPOTVNFS DSFEJU  FTQFDJBMMZ KGB credit, as well as an increase the growth of the mortgage.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

97

PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY

d. Optimalisasi fungsi Waroeng Mikro bjb.

d. Optimize the function of Waroeng Mikro bjb.

e. Memperbaiki dan menjaga kualitas kredit.

F 3FQBJSBOENBJOUBJODSFEJURVBMJUZ

3. Optimalisasi Fee Based Income  4USBUFHJJOJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU

3. Optimization of Fee Based Income  5IJTTUSBUFHZJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT

B 0QUJNBMJTBTJ QFOHFMPMBBO JOTUSVNFO 5SFBTVSZ EBO International Banking. - Optimalisasi instrumen Capital Market, Forex, dan Derivatif.  .FOKBEJBHFOQFOKVBM03*  0QUJNBMJTBTJKBTBLVTUPEJBOTFSUBMBZBOBOKBTBXBMJ amanat. - Peningkatan transaksi Remittance, Trade Finance and Services.

B 0QUJNJ[JOH UIF NBOBHFNFOU PG 5SFBTVSZ BOE International Banking instruments. - Optimization of Capital Market instruments, Forex and Derivatives.  #FDPNFT03*TBMFTBHFODZ - Optimization of custodian services and trustee services. - Increase remittance transactions, Trade Finance and Services.

b. Pengembangan jasa transaksi perbankan, optimalisasi KVNMBIKBSJOHBOLBOUPSZBOHBEB TFSUB"5. - Optimalisasi jaringan kantor dan fungsi ATM bagi OBTBCBINFMBMVJQFOBNCBIBOmUVSMBZBOBO"5.  1FOJOHLBUBO MBZBOBOtransaction service produk Wealth Management.

C %FWFMPQCBOLJOHTFSWJDFTPQUJNJ[FUIFFYJTUJOHPGmDF network, and ATM.  0QUJNJ[F PGmDF OFUXPSL BOE "5. GVODUJPOBMJUZ GPS customers through the addition of ATM services features. - Improve services/transaction services of the Wealth Management product.

4. Pertumbuhan Aset Secara Anorganik  4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU

4. Anorganic Asset Growth  5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH

a. Penambahan setoran modal kepada beberapa anak perusahaan.

a. Capital injection to several subsidiaries.

b. Meningkatkan aset perusahaan melalui QFSVTBIBBOMFNCBHBLFVBOHBOZBOHTFIBU

C *ODSFBTF UIF BTTFUT PG UIF $PNQBOZ UISPVHI UIF BDRVJTJUJPOPGIFBMUIZmOBODJBMJOTUJUVUJPOT

akuisisi

D .FOEPSPOHLJOFSKB1FSVTBIBBO"OBLEBO#13-,

c. Support the performance of subsidiaries entities and #13-,

5. Pengembangan Bisnis Bidang Penunjang untuk .FOEVLVOH1FOJOHLBUBO1SPmUBCJMJUBT#BOL  4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU

5. Develop Business in the Supporting Field to promote the #BOLTJODSFBTFE1SPmUBCJMJUZ  5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH

a. Credit Risk Reviewer - Melakukan pengendalian risiko kredit melalui mitigasi proses kredit dan monitoring kualitas kredit secara berkala.

B $SFEJU3JTL3FWJFXFST - Control credit risk through credit process mitigation BOEQFSGPSNQFSJPEJDDSFEJURVBMJUZNPOJUPSJOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

98

TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA

-

Mengelola dan mengembangkan standarstandar pengukuran risiko kredit sesuai ketentuan regulator.

-

Manage and develop the standards to measure credit risk in accordance to the provisions of the regulators.

b. Perencanaan dan Change Management - Menetapkan arah dan strategi Bank dan NFOZFNQVSOBLBO QSPTFT CJTOJT NFMBMVJ TUSVLUVS PSHBOJTBTJZBOHFGFLUJGEBOFmTJFO  .FOEPSPOH UFSDJQUBOZB QSPTFT LFSKB ZBOH FmTJFO dan efektif di bidang transformasi/manajemen perubahan.

b. Planning and Change Management  4FU UIF EJSFDUJPO BOE TUSBUFHZ PG UIF #BOL BOE enhance business processes through effective BOEFGmDJFOUPSHBOJ[BUJPOBMTUSVDUVSF  &ODPVSBHFUIFDSFBUJPOPGNPSFFGmDJFOUBOEFGGFDUJWF XPSLQSPDFTTFTJOUIFmFMEPGUSBOTGPSNBUJPODIBOHF management.

D 1FOHFNCBOHBO4VNCFS%BZB.BOVTJB - Kebijakan dan pelaksanaan rekrutmen, rencana pengembangan karir, serta job grading.  1SPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH mendukung bisnis bank secara teratur dan berkesinambungan melalui Training Program Academy.

D )VNBO3FTPVSDF%FWFMPQNFOU  1PMJDZ BOE JNQMFNFOUBUJPO PG SFDSVJUNFOU  DBSFFS development plans, and job grading. - Education and training programs that support UIF CBOLT CVTJOFTT SFHVMBSMZ BOE DPOUJOVPVTMZ UISPVHIUIF1SPHSBN"DBEFNZ5SBJOJOH

d. Peningkatan Kualitas Operasional - Pengelolaan administrasi dan monitoring dokumen kredit secara tertib.  1FOJOHLBUBO LVBMJUBT MBZBOBO PQFSBTJPOBM "5.  .PEVM 1FOFSJNBBO /FHBSB .1/  EBO USBOTBLTJ 4JTUFN,MJSJOH/BTJPOBM#BOL*OEPOFTJB 4,/#*   .FOJOHLBULBOFmTJFOTJCJBZBPQFSBTJPOBM

E0QFSBUJPOBM2VBMJUZ*NQSPWFNFOU - Managing and monitoring the administration of MPBOEPDVNFOUTJOBOPSEFSMZNBOOFS  *NQSPWF RVBMJUZ PG PQFSBUJPOBM TFSWJDFT PG "5.  4UBUF3FWFOVF.PEVMF .1/ BOEUIFUSBOTBDUJPO /BUJPOBM$MFBSJOH4ZTUFN#BOL*OEPOFTJB 4,/#*   *NQSPWFUIFFGmDJFODZPGPQFSBUJPOBMDPTU

F 1FOFSBQBO .BOBKFNFO 3JTJLP EBO 1FMBLTBOBBO Kepatuhan Bank - Pengembangan dan pengelolaan kebijakan dan QSPTFEVS .BOBKFNFO 3JTJLP TFSUB NFOZVTVO EBO NFOHFNCBOHLBOQSPmMSJTJLPCBOL  .FXVKVELBO UFSMBLTBOBOZB CVEBZB LFQBUVIBO pada semua tingkatan organisasi dan kegiatan usaha bank.

F "QQMJDBUJPOPG3JTL.BOBHFNFOUBOE#BOL$PNQMJBODF - Develop and manage risk management policies and procedures as well as organize and develop UIF#BOLTSJTLQSPmMF - Achieve the implementation of compliance culture at all levels of the organization and the business.

f.

G *NQSPWF*OUFSOBM$POUSPM4ZTUFN - Enhance the role of internal audit as a Strategic Business Partner for the Management and all levels of the Bank. - Develop a risk-based audit planning.

Peningkatan Sistem Pengawasan Internal - Meningkatkan peran audit intern sebagai Strategic Business Partner bagi manajemen dan seluruh jajaran bank.  .FOZVTVOQFSFODBOBBOBVEJUCFSCBTJTSJTJLP

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

99

PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY

H "DDPVOUJOH'JOBODJBM3FQPSUJOH  4UBOEBSEJTBTJQFOZVTVOBOMBQPSBOLFVBOHBOZBOH dapat memenuhi unsur akurasi dan tepat waktu. - Peningkatan akurasi data dan informasi performance bank bjb bagi manajemen.

H "DDPVOUJOH'JOBODJBM3FQPSUJOH  4UBOEBSEJ[FUIFQSFQBSBUJPOPGmOBODJBMTUBUFNFOUT UIBUDBONFFUUIFFMFNFOUTPGBDDVSBDZBOEUJNFMZ  *NQSPWFEBUBBDDVSBDZBOECBOLbjb performance information for the Management.

I )VCVOHBO EFOHBO *OWFTUPS  ,PNVOJLBTJ 1FNBTBSBO dan Promosi  1FOJOHLBUBOLPNVOJLBTJ LFSKBTBNBEBOMBZBOBO kepada calon investor dan investor. - Meningkatkan Brand Awareness bank bjb kepada NBTZBSBLBU

I *OWFTUPS 3FMBUJPOT  .BSLFUJOH $PNNVOJDBUJPO BOE Promotion - Improve communication, collaboration and services to prospective investors and investors.  *ODSFBTF UIF DPNNVOJUZT BXBSFOFTT UPXBSET bank bjb Brand.

bank bjb Annual Report 2014

100

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TINJAUAN BISNIS & INDUSTRI BUSINESS & INDUSTRY REVIEW

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

101

TINJAUAN BISNIS & INDUSTRI

BUSINESS & INDUSTRY REVIEW

Situasi Makro

Macro Situation

1FNVMJIBO FLPOPNJ HMPCBM ZBOH NBTJI CFSMBOHTVOH IJOHHB UBIVO   DFOEFSVOH CFMVN TUBCJM 4BMBI TBUVOZB EJUVOKVLBOPMFIQFSFLPOPNJBO$IJOBZBOHNBTJINFOHBMBNJ perlambatan. Pertumbuhan ekonomi negara salah satu tujuan ekspor Indonesia itu lebih rendah dibandingkan tahun TFCFMVNOZB ZBJUVIBOZB 4FNFOUBSBQBEBUBIVO  tumbuh 7,7%.

5IF HMPCBM FDPOPNZ XIJDI DPOUJOVFE UP CF SFDPWFSJOH JO  SFNBJOFE VOTUBCMF 5IJT XBT BNPOH PUIFST TIPXO CZ UIF TMPXEPXO PG $IJOBT FDPOPNZ 5IF FDPOPNJD HSPXUI PG UIJTDPVOUSZ XIJDIJTPOFPG*OEPOFTJBTFYQPSUEFTUJOBUJPOT  XBTMPXFSUIBOUIFQSFWJPVTZFBS OBNFMZPOMZ8IJMFJO  UIFFDPOPNZPG$IJOBHSFXCZ

*OEPOFTJB ZBOH NFOHBOVU TJTUFN QFSFLPOPNJBO UFSCVLB  ikut terkena imbas dari ketidakpastian perekonomian global tersebut. Selama tahun 2014, secara kumulatif nilai ekspor Indonesia mengalami penurunan sebesar 3,43% EJCBOEJOHLBOUBIVOTFCFMVNOZB,IVTVTFLTQPSOPONJHBT  UVSVOOZBNFODBQBJ 

*OEPOFTJB  XIJDI BEPQUT UIF TZTUFN PG PQFO FDPOPNZ  XBT BMTP JNQBDUFE CZ UIF HMPCBM FDPOPNJD VODFSUBJOUJFT %VSJOH 2014, the cumulative value of the Indonesian export declined CZ  PWFS UIF QSFWJPVT ZFBS "T GPS OPOPJM FYQPSU UIF EFDMJOFSFBDIFE

Ekspor Bulanan

Monthly Export

(Miliar USD)

(Billion USD)

Bulan

/JMBJ

Month

Januari

14.47

+BOVBSZ

Februari



'FCSVBSZ

Maret



March

April



April

Mei

14.82

.BZ

Juni

15.41

June

Juli

14.18

+VMZ

Agustus

14.48

August

September

15.28

September

Oktober

15.35

October

/PWFNCFS



/PWFNCFS

Desember



December

4VNCFS#14

Pertumbuhan ekonomi Indonesia (PDB) pada tahun 2014 pun ikut mengalami tekanan. Badan Pusat Statistik (BPS) NFODBUBUCBIXBQFSUVNCVIBOOZBIBOZB  MFCJISFOEBI EJCBOEJOHLBO UBIVO  ZBOH   .FMFNBIOZB FLTQPS ini berimplikasi terhadap neraca perdagangan, sehingga NFOHBMBNJEFmTJU

4PVSDF#14

In 2014, Indonesia’s economic growth (GDP) was under pressure. The Central Bureau of Statistics (BPS) noted the *OEPOFTJBO FDPOPNZ POMZ HSFX CZ   MPXFS UIBO UIF 5.78% in 2013. The weakening of export provided impact to UIFUSBEFCBMBODF TPBTUPFYQFSJFODFEFmDJU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

102

TINJAUAN BISNIS & INDUSTRI

BPS juga mengungkapkan bahwa laju pertumbuhan konsumsi rumah tangga sebagai salah satu faktor pembentuk PDB, QBEB UBIVO  KVHB NFOHBMBNJ LPOUSBLTJ  NFOKBEJ IBOZB 5,14%. Sedangkan pada tahun 2013 sebesar 5,28%.

BPS also revealed that the growth rate of household consumption as one of the determining factors of GDP also DPOUSBDUFE JO   OBNFMZ POMZ  DPNQBSFE UP UIF 5.28% in 2013.

Distribusi Persentase Produk Domestik Bruto Triwulanan Atas Dasar Harga Berlaku Menurut Pengeluaran (Persen)

Percentage of the Distribution of Quarterly Gross Domestic Product At Current Market Prices According to Expenditure (Percent)

2014 Jenis Pengeluaran I 1

2

3

II

III

IV

Jumlah Total

Type Consumption

1FOHFMVBSBO,POTVNTJ3VNBIUBOHHB

 

55,84

55,03

 

 

)PVTFIPME$POTVNQUJPO&YQFOEJUVSF

a. Makanan

 

 

 

 

 

a. Food

b. Bukan Makanan

 

 

 

30,03

 

C/PO'PPE

Pengeluaran Konsumsi Pemerintah (a+b-c)

 

8,02

 

11,58

 

Government Consumption Expenditure (a+b-c)

a. Belanja Barang

2,42

3,71

4,21

 

4,21

a. Belanja Barang

C#FMBOKB1FHBXBJ 1FOZVTVUBO /5#

5,11

5,18

 

 

5,75

C4IPQQJOH&NQMPZFF %FQSFDJBUJPO /5#

c. Penerimaan Barang dan Jasa

0,75

 

1,12

1,14

 

c. Acceptance of Goods and Services

Pembentukan Modal Tetap Domestik Bruto

30,87

31,40

31,05

33,38

31,70

Gross Domestic Fixed Capital Formation

a. Bangunan

 

 

 

 

 

a. Building

b. Mesin dan Perlengkapan Dalam /FHFSJ

0,30

0,32

0,31

0,31

0,31

C%PNFTUJD.BDIJOFSZBOE&RVJQNFOU

c. Mesin dan Perlengkapan Luar /FHFSJ

 

 

2,73

2,77

2,80

D'PSFJHO.BDIJOFSZBOE&RVJQNFOU

E"MBU"OHLVUBO%BMBN/FHFSJ

 

0,27

0,25

 

 

d. Domestic Transport Equipment

F"MBU"OHLVUBO-VBS/FHFSJ

0,58

 

 

 

 

e. Overseas Transport Equipment

G-BJOOZB%BMBN/FHFSJ

0,44

0,47

0,47

0,53

0,48

f. Other Domestic

H-BJOOZB-VBS/FHFSJ

0,22

0,24

0,24

 

0,24

4VNCFS%BUB4FNFOUBSB#14

.FOKFMBOH CFSBLIJSOZB UBIVO  KVHB EJXBSOBJ EFOHBO kenaikan suku bunga acuan BI rate sebesar 25 basis poin, dari 7,50% menjadi 7,75%. Kenaikan suku bunga ini merupakan SFTQPO ZBOH EJBNCJM PMFI #BOL *OEPOFTJB VOUVL NFOBIBO MBKVJOnBTJ TBMBITBUVOZBBLJCBULFOBJLBOIBSHBCBIBOCBLBS NJOZBL 8BMBVQVO CFHJUV  TFQBOKBOH UBIVO   JOnBTJ BLIJSOZBNBTJIUFUBQUJOHHJ ZBJUV  year on year).

bank bjb Laporan Tahunan 2014

g. Other Overseas 4PVSDF#14%BUB5FNQPSBSZ

Towards the end of 2014, the benchmark interest rate of Bank *OEPOFTJBBMTPSPTFCZCBTJTQPJOUT GSPNUP *ODSFBTJOHUIFCFODINBSLJOUFSFTUSBUFXBTBOBDUJPOUBLFOCZ #BOL*OEPOFTJBUPDVSCJOnBUJPOXIJDIBNPOHPUIFSTXBTEVF UPUIFSJTFPGGVFMQSJDFT)PXFWFS UISPVHIPVU JOnBUJPO SFNBJOFEIJHI OBNFMZ ZFBSPOZFBS 

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

103 BUSINESS & INDUSTRY REVIEW

Posisi Suku Bunga Acuan Bank Indonesia

Position of the Benchmark Interest Rate of Bank Indonesia

Tanggal

SBI

Date

11 Desember 2014

7,75%

11 December 2014

/PWFNCFS

7,50%

/PWFNCFS

8 Oktober 2013

7,25%

8 October 2013

15 Agustus 2013

 

15 August 2013

13 Juni 2013

 

13 June 2013

10 Januari 2013

5,75%

+BOVBSZ

4VNCFS#BOL*OEPOFTJB

4PVSDF#BOL*OEPOFTJB

Posisi nilai tukar rupiah terhadap dolar Amerika Serikat KVHB NBTJI MFNBI 1FNFSJOUBI NFMBMVJ "1#/ 1FSVCBIBO 2014 menetapkan kurs rupiah terhadap dolar AS sebesar 3Q /BNVO SFBMJTBTJOZB  OJMBJ SVQJBI KBVI MFCJI MFNBI EBSJ UBSHFU UFSTFCVU  CBILBO TFNQBU NFOZFOUVI QPTJTJ EJ LJTBSBO3QQFS%PMBS"4

5IFQPTJUJPOPG3VQJBIBHBJOTUUIF64%PMMBSSFNBJOFEXFBL The Government through the 2014 State Budget Amendment TFUUIFFYDIBOHFSBUFPG3VQJBIBHBJOTUUIF64%PMMBSBUUIF MFWFMPG3Q )PXFWFSJOSFBMJ[BUJPO 3VQJBIXBTNVDI XFBLFSUIBOUIFUBSHFUBOEUPVDIFEUIFQPTJUJPOPG3Q  per US Dollar.

Situasi Industri Perbankan

The Condition of Banking Industry

,POEJTJFLPOPNJTFDBSBNBLSPZBOHUFSKBEJEJUJOHLBUHMPCBM maupun nasional memberikan pengaruh, baik secara langsung maupun tidak langsung terhadap industri keuangan, UFSNBTVL QFSCBOLBO 3FTQPO #BOL *OEPOFTJB UFSIBEBQ UJOHHJOZBJOnBTJEBONFMFNBIOZBLVSTSVQJBIUFSIBEBQEPMBS AS dengan menaikkan suku bunga acuan pada akhir tahun, berpotensi menurunkan laba perbankan.

The global and national macro-economic conditions provide JNQBDUT  FJUIFS EJSFDUMZ PS JOEJSFDUMZ UP UIF mOBODJBM JOEVTUSZ  including banking. Bank Indonesia’s response towards high JOnBUJPOBOEEFQSFDJBUJPOPG3VQJBIBHBJOTUUIF64%PMMBSCZ SBJTJOHUIFCFODINBSLJOUFSFTUSBUFBUUIFFOEPGUIFZFBS XJMM QPUFOUJBMMZSFEVDFUIFQSPmUPGCBOLT

%BUB#BOL*OEPOFTJBNFOZFCVULBO net interest margin /*.  CBOLVNVNVOUVLQFSJPEF/PWFNCFSUFMBINFOHBMBNJ QFOVSVOBOTFCFTBS EJCBOEJOHLBOQFSJPEFZBOHTBNB UBIVOTFCFMVNOZB

#BOL *OEPOFTJB %BUB OPUFE  /FU *OUFSFTU .BSHJO /*.  PG DPNNFSDJBMCBOLTGPSUIFQFSJPEPG/PWFNCFSEFDSFBTFE CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS

Statistik Bank Umum (%)

Commercial Banks Statistics

$"3

30"

BOPO

/*.

-%3

2012

17,43

3,11

74,1

 

83,58

2012

2013

18,13

3,08

74,08

 

 

2013

/PWFNCFS

18,48

 

 

4,88

 

/PWFNCFS

/PWFNCFS

 

2,87

 

4,24

 

4VNCFS#BOL*OEPOFTJB

/PWFNCFS 4PVSDF#BOL*OEPOFTJB

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

104

TINJAUAN BISNIS & INDUSTRI

,FNVEJBO  NBTJI UJOHHJOZB JOnBTJ NFNCVBU EBZB CFMJ NBTZBSBLBUJLVUNFMFNBI"LJCBUUFSKBEJOZBQFOVSVOBOQBEB LPOTVNTJ SVNBI UBOHHB  LSFEJU LPOTVNTJ  ZBOH VNVNOZB lebih cepat memberikan keuntungan bagi perbankan, juga berpotensi ikut tertekan.

'VSUIFSNPSF  JOnBUJPO XIJDI SFNBJOFE IJHI DBVTFE UIF DPNNVOJUZT QVSDIBTJOH QPXFS UP XFBLFO 5P UIBU FOE  household consumption declined, consumer credit which HFOFSBMMZQSPWJEFTCFOFmUTGPSCBOLTBMTPQPUFOUJBMMZCFDBNF under pressure.

)BM JUV UFSMJIBU QBEB IBTJM TVSWFJ QFSCBOLBO ZBOH EJMBLVLBO PMFI#BOL*OEPOFTJB4VSWFJZBOHEJMBLVLBOUFSIBEBQTFKVNMBI CBOL VNVN ZBOH NFOHVBTBJ QBOHTB QBTBS QFSCBOLBO TFCFTBS  JUV NFOHVOHLBQLBO UFSKBEJOZB QFSMBNCBUBO pada pertumbuhan kredit.

5IJT XBT SFnFDUFE PO UIF SFTVMUT PG UIF CBOLJOH TVSWFZ DPOEVDUFE CZ #BOL *OEPOFTJB 5IF TVSWFZ XIJDI XBT conducted towards a number of commercial banks dominating the banking market share of 80% revealed a slowdown in credit growth.

)BTJM TVSWFJ NFOZFCVULBO  QBEB 5SJXVMBO ***  NFMBNCBUOZBQFSUVNCVIBOLSFEJUEJTFCBCLBOPMFISFOEBIOZB QFSNJOUBBOQFNCJBZBBOEBSJOBTBCBI LFOBJLBOTVLVCVOHB  TFSUB NFOJOHLBUOZB SJTJLP QFNCFSJBO LSFEJU 1BEB USJXVMBO CFSJLVUOZB  SFTQPOEFO KVHB NFNQFSLJSBLBO NBTJI UFSKBEJ LPOEJTJZBOHTBNB

5IF SFTVMUT PG UIF TVSWFZ NFOUJPOFE  JO UIF UIJSE RVBSUFS PG   UIF TMPXEPXO PG DSFEJU HSPXUI XBT DBVTFE CZ UIF MPX EFNBOE GPS DVTUPNFS mOBODJOH  UIF SJTF PG JOUFSFTU SBUF  and the increased credit risk. In the next quarter, respondents expected the same condition will remain to occur.

%BMBN SFBMJTBTJOZB  EBUB 4UBUJTUJL 1FSCBOLBO *OEPOFTJB ZBOH EJLFMVBSLBO PMFI #BOL *OEPOFTJB NFOVOKVLBO CBIXB QFSUVNCVIBO QFOZBMVSBO LSFEJU CBOL VNVN VOUVL QFSJPEF +BOVBSJ/PWFNCFS  NFOVSVO   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEB UBIVO   QFSUVNCVIBOOZB NFODBQBJ   EJCBOEJOHLBO UBIVO realisasi tahun 2012.

In realization, the Indonesian Banking Statistics data released CZ#BOL*OEPOFTJBTIPXTUIBUUIFHSPXUIPGDPNNFSDJBMCBOL MFOEJOHGPSUIFQFSJPEPG+BOVBSZ/PWFNCFSEFDSFBTFE CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS In 2013, growth reached 21.8% compared to the realization in 2012.

Tahun

Bank Umum Commercial Bank

BPD Year

Jumlah | Total (Rp Miliar) 2012



218.851

2012

2013





2013

/PWFNCFS

3.241.040



/PWFNCFS

/PWFNCFS





4VNCFS#BOL*OEPOFTJB

4FEBOHLBO QBEB #BOL 1FNCBOHVOBO %BFSBI  LSFEJU ZBOH EJLVDVSLBO QBEB QFSJPEF /PWFNCFS  UVNCVI   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO  4FNFOUBSB VOUVL UBIVO   QFSUVNCVIBOOZB TFCFTBS   dibandingkan 2012.

bank bjb Laporan Tahunan 2014

/PWFNCFS 4PVSDF#BOL*OEPOFTJB

.FBOXIJMF  UIF 3FHJPOBM %FWFMPQNFOU #BOL  EVSJOH UIF QFSJPEPG/PWFNCFS DSFEJUHSFXCZDPNQBSFE UP UIF TBNF QFSJPE JO  "T GPS   UIF DSFEJU HSFX CZ 20.88% compared to the number of credit in 2012.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

105 BUSINESS & INDUSTRY REVIEW

Statistik BPD

BPD Statistic $"3

BOPO

30"

/*.

-%3

2012

18,02

 

 

 

78,57

2012

2013

17,58

3,18

 

7,04

 

2013

/PWFNCFS

 

3,18

72,43

 

78,32

/PWFNCFS

/PWFNCFS

17,55

2,77

 

 

 

/PWFNCFS

4VNCFS#BOL*OEPOFTJB

4PVSDF#BOL*OEPOFTJB

Perlambatan kinerja industri perbankan itu sejalan dengan IBTJM TVSWFJ EVOJB VTBIB ZBOH EJMBLVLBO #BOL *OEPOFTJB bersama BPS. Pada kuartal akhir tahun 2014, optimisme dunia usaha terhadap situasi ekonomi mengalami penurunan. )BMJUVEJUVOKVLBONFMBMVJ*OEFLT5FOEFOTJ#JTOJTZBOHMFCJI SFOEBIEJCBOEJOHLBOUSJXVMBOTFCFMVNOZBQBEBUBIVOZBOH TBNB ZBJUVEBSJ NFOKBEJ 

5IF TMPXEPXO PG UIF CBOLJOH JOEVTUSZ QFSGPSNBODF XBT DPIFSFOU UP UIF SFTVMUT PG UIF CVTJOFTT TVSWFZ DPOEVDUFE CZ#BOL*OEPOFTJBBOE#14*OUIFmOBMRVBSUFSPG UIF optimism of the business world towards the economic condition EFDMJOFE5IJTXBTSFnFDUFECZUIF#VTJOFTT5FOEFODZ*OEFY which became lower than the previous quarter of the same ZFBS OBNFMZGSPNUP

Indeks Tendensi Bisnis merupakan indikator perkembangan FLPOPNJ VTBIB UFSLJOJ ZBOH EBUBOZB EJQFSPMFI EBSJ 4VSWFJ Tendensi Bisnis (STB) oleh Badan Pusat Statistik, bekerja sama dengan Bank Indonesia. Indeks tersebut menggambarkan kondisi bisnis dan perekonomian pada triwulan berjalan dan perkiraan pada triwulan mendatang.

#VTJOFTT 5FOEFODZ *OEFY JT BO JOEJDBUPS PG UIF DVSSFOU economic development where data is obtained from the #VTJOFTT 5FOEFODZ 4VSWFZ 45#  QFSGPSNFE CZ UIF $FOUSBM Bureau of Statistics in cooperation with Bank Indonesia. The index illustrates the business and economic conditions in the current quarter and forecast in the coming quarter.

PERTUMBUHAN & MARKET SHARE POS KEUANGAN UTAMA BANK BERDASARKAN STATUS KEPEMILIKANNYA TERHADAP BANK UMUM PERIODE DESEMBER 2014

GROWTH & MARKET SHARE OF THE PRIMARY FINANCIAL POSTS OF THE BANK BASED ON ITS OWNERSHIP STATUS TO THE COMMERCIAL BANKS IN THE PERIOD OF DECEMBER 2014

Kelompok Bank/ Bank Group

Jumlah Bank Per Des 2014 Total Bank as per Dec 2014

Total Dana Pihak Ketiga (DPK)/ Total Third-Party Funds

Aset/Assets

Pertumbuhan/Growth Realisasi/ Realization

Des/Dec 2013

Des/Dec 2014

Pertumbuhan/Growth Realisasi/ Realization

/DED%HUVLK1HW3URÀW

Total Kredit/Total Loans

Des/Dec 2013

Des/Dec 2014

Pertumbuhan/Growth Realisasi/ Realization

Des/Dec 2013

Des/Dec 2014

Pertumbuhan/Growth Realisasi/ Realization

Triliun/ Trillion Rp

%

Des/Dec 2014

Triliun/ Trillion Rp

%

Des/Dec 2013

Des/Dec 2014

Triliun/ Trillion Rp

%

Des/Dec 2013

Des/Dec 2014

Triliun/ Trillion Rp

%

4

1.758,87

 

Ï 317,73

Ï 

 

 

Ï  

Ï 

1.181,73

 

Ï  

Ï 12,13%

 

54,37

Ï  

Ï 11,51%

#64/%FWJTB Foreign Exchange /BUJPOBM1SJWBUF Banks

38

 

2.200,14

Ï  

Ï 12,11%

 

1.731,02

Ï  

Ï 11,51%

1.311,52

1.481,81

Ï  

Ï 

33,47

 

Ð  

Ð

#64//PO Devisa /PO'PSFJHO Exchange /BUJPOBM1SJWBUF Banks



 

 

Ï  

Ï 

122,88

141,03

Ï

18,14

Ï 14,77%

108,23

 

17,77

Ï 

3,08

2,32

Ð (0,77)

Ð  

BPD



 

 

Ï

50,73

Ï 13,01%

287,71

 

Ï

48,25

Ï 

 

 

Ï  

Ï 

10,73

 

Ð (1,07)

Ð  

Bank Campuran Joint Venture Banks

12

 

278,31

Ð  

Ð -4,10%

 

 

Ð (14,87)

Ð  

 

 

Ð

(5,43)

Ð -2,70%

4,54

4,22

Ð (0,32)

Ð

Ï

Ï

Ï

Ï  

Ï 42,51%

10

 

432,58

Bank Umum Commercial Banks



 

 

bank bjb

1

 

70,24

Bank Asing Foreign Banks

42,17

Ï 10,80%

173,40

 

Ï  

Ï 13,34%

 

4.114,42

3,52

Ï 5,28%

 

 

Ï

0,87

Ï 0,50%

225,50

244,03

Ï 450,45

Ï 

 

 

Ï

Ï 13,32%

45,11

 

 

Ï

Des/ Dec 2014

Des/Dec 2014

Des/Dec 2013

Bank Persero Group-Owned Banks

Des/ Dec 2013

Des/Dec 2013

18,53

Ï 8,22%

 

8,72

Ï 381,43

Ï 11,58%

 

 

4,14

Ï  

1,74

1,14

Ï

Ï

5,45

Ð  

Ï

-1,82%

-7,04%

5,11%

Ð -34,77%

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

106

TINJAUAN BISNIS & INDUSTRI

Jumlah Bank

Aset

Total Dana Pihak Ketiga

Total Kredit

Laba Bersih

Total Bank

Assets

5PUBM5IJSE1BSUZ'VOET

Total Loans

/FU1SPmU

 

42,07%

24,37%

3,43%

21,85%

40,33%

3,43%

2,07%

 

 

3,33%

  7,85%

3,36%

36,98%

10,08%

38,46%

 

48,48%

5,33%

  4,24%

7,70%

8,40%

36,06%

8,17%

8,20%

7,78%

 

  Bank Persero Group-Owned Banks

•

•

•

•

•

#64/%FWJTB 'PSFJHO&YDIBOHF/BUJPOBM1SJWBUF#BOLT

Aset Bank Umum pada Desember 2014 tumbuh TFCFTBS  ZPZ BUBVOBJLTFCFTBS3Q USJMJVO dibandingkan dengan Desember 2013. Total Dana Pihak Ketiga (DPK) Bank Umum pada %FTFNCFSUVNCVITFCFTBS  ZPZ BUBVOBJL TFCFTBS3Q USJMJVOEJCBOEJOHLBOEFOHBO%FTFNCFS 2013. Total Kredit Bank Umum pada Desember 2014 tumbuh TFCFTBS  ZPZ BUBVOBJLTFCFTBS3Q USJMJVO dibandingkan dengan Desember 2013. Kontribusi pertumbuhan Laba Bersih Bank Umum pada %FTFNCFS  IBOZB CFSTVNCFS EBSJ LFMPNQPL #BOL 1FSTFSP EBO #BOL "TJOH ZBOH NBTJOHNBTJOH UFSDBUBU UVNCVI TFCFTBS   ZPZ  VOUVL #BOL 1FSTFSP EBO UVNCVITFCFTBS  ZPZ VOUVLLFMPNQPL#BOL"TJOH  TFEBOHLBO VOUVL LFMPNQPL CBOL MBJOOZB NFOHBMBNJ penurunan. Secara keseluruhan pada Desember 2014, kinerja perbankan Indonesia tetap kuat dan dengan risiko kredit, MJLVJEJUBT EBO QBTBS ZBOH DVLVQ UFSKBHB TFSUB LFUBIBOBO NPEBMZBOHUFSQFMJIBSBEJEVLVOHPMFINPEBMZBOHNBTJI kuat.

MARKET SHARE ASET, TOTAL DPK & LABA BERSIH bank bjb TERHADAP BANK UMUM

Des/Dec 2013

Triliun/ Trillion Rp

Des/Dec 2014

Bank Asing Foreign Banks

The assets of Commercial Banks in December 2014 HSFXCZ ZPZ

BOJODSFBTFGSPN3QUSJMMJPO  compared to the number in December 2013. t 5PUBM UIJSE QBSUZ GVOET %1,  PG $PNNFSDJBM #BOLT JO %FDFNCFS  HSFX CZ  ZPZ

 BO JODSFBTF PG 3Q USJMMJPO  DPNQBSFE UP UIF OVNCFS JO %FDFNCFS 2013. • Total Loans of Commercial Banks in December 2014 HSFX CZ  ZPZ

 BO JODSFBTF PG 3Q USJMMJPO  compared to the number in December 2013. t $POUSJCVUJPO PG /FU *ODPNF HSPXUI PG DPNNFSDJBM CBOLT JO %FDFNCFS  POMZ DBNF GSPN HSPVQPXOFE CBOLT BOE GPSFJHO CBOLT XIJDI XFSF SFTQFDUJWFMZ SFDPSEFE UP HSPX CZ  ZPZ  GPS -JNJUFE -JBCJMJUZ #BOLT BOE  ZPZ  GPS 'PSFJHO #BOLT  XIFSFBT GPS PUIFS CBOLT the number declined. • Overall in December 2014, the performance of the Indonesian banking remained strong and with controlled DSFEJU  NBSLFU BOE MJRVJEJUZ SJTLT BT XFMM BT NBJOUBJOFE DBQJUBMSFTJMJFODFTVQQPSUFECZTUSPOHDBQJUBM

EDQNEME·60$5.(76+$5(2)$66(76727$/ DPK & NET PROFIT TO THE COMMERCIAL BANKS Bank Umum/ Commercial Banks

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/Realization (Triliun/Trillion Rp)

Bank Campuran Joint Venture Banks

•

bank bjb

POS KEUANGAN FINANCIAL POST

BPD

#64/%FWJTB /PO'PSFJHO&YDIBOHF/BUJPOBM1SJWBUF#BOLT

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/Realization (Triliun/Trillion Rp)

Triliun/ Trillion Rp

%

Des/Dec 2013

Des/Dec 2014

  Ï   Ï 13,34%

%

Market Share bank bjb terhadap Bank Umum/ Market Share bjb bank to commercial banks (%)

¨

Des/Dec 2013

%

Des/Dec 2014

Total Aset/Total Assets

66,72

70,24 Ï

3,52 Ï

5,28%

 

1,35%

1,25% Ð

Giro/Current Account

16,36

21,53 Ï

5,17 Ï 31,58%

 

  Ï

42,80 Ï

5,05%

 

2,42% Ï

 

 3VQJBI

16,17

21,34

•

5,17 •

 

  •

35,35 t

 

2,84%

3,53% t

 

0,19

•

0,00%

Valas/Forex

31,99%

•

-2,77%

 

•

7,45 t

 

0,07%

0,07%

Tabungan/Savings

11,78

12,43 Ï

0,65 Ï

5,51%

1.212,71

  Ï

71,75 Ï

 

 

  Ð

0,00%

 3VQJBI

11,74

12,38

0,64

5,49%

1.123,70

  t

  t

 

1,04%

1,04%

0,00%

0,19

bank bjb Laporan Tahunan 2014

•

(0,01)

•

284,31

•

-0,10%

•

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

107 BUSINESS & INDUSTRY REVIEW

bank bjb

POS KEUANGAN FINANCIAL POST

Des/Dec 2013

Valas/Forex

Triliun/ Trillion Rp

Des/Dec 2014

0,04

0,04

Triliun/ Trillion Rp

Des/Dec 2014

%

¨

Des/Dec 2013

%

 

 

0,04%

0,04%

•

0,00%

2,23%

 

  Ï   Ï  

 

  Ð

-0,18%

•

0,63

•

(0,22)

 3VQJBI

18,36

19,00

0,26

0,04

  t

  t

3,46%

1.331,53

  •

• -83,99%

 

  t

6,23 Ï 13,32%

 

4.114,42 Ï

13,94%

3.025,15

3.434,58 t   •

• -44,62%

 

Total DPK/Total Third Party Funds

46,76

52,99 Ï

 3VQJBI

46,27

52,72

•

6,45

0,49

0,27

•

(0,22)

•

•

  •

310,22

•

23,30%

1,38%

 

•

-0,22%

  t

 

0,10%

0,01%

•

-0,08%

450,45 Ï  

1,28%

  Ï

0,01%

41,02 t

DPK (Nominal) bank bjb

DPK (Nominal) bank umum

5IJSE1BSUZ'VOET /PNJOBM  bank bjb

5IJSE1BSUZ'VOET /PNJOBM  Commercial Banks

23,45%

 

13,53%

1,53%

1,53%

•

0,01%

 

0,08%

0,04%

•

-0,04%

Tren Market Share DPK (Nominal) Tren Market Share 5IJSE1BSUZ'VOET /PNJOBM

  31,22%

40,62%

Deposito Time Deposits

Des 2013 Laba Bersih/Net Income

•

•

•

•

•

1,74

Giro Current Account

Des 2014

2013

Triliun Rp

1,14 Ð

%

   Ð -34,77%

Giro Current Account

Des 2013  

Konsentrasi pembukaan KC Bank Umum mulai tersebar LF [POB ZBOH NFNJMJLJ UJOHLBU LFKFOVIBO CBOL ZBOH MFCJI SFOEBI ;POB      EBO   TFJSJOH EFOHBO EJCFSMBLVLBOOZB1#*/P1#*UFOUBOHiMultiple LicensewQBEBBLIJSUBIVO)BMUFSTFCVUCFSEBNQBL QBEB QFOJOHLBUBO QFOHIJNQVOBO  QFOZBMVSBO EBOB  pembukaan kantor cabang pada zona tersebut. Fungsi intermediasi bank bjb pada zona 3 semakin NFOJOHLBU EFOHBO QFSUVNCVIBO TFCFTBS   sehingga pangsa pasar kredit bank bjb di zona 3 naik sebesar 0,08% menjadi sebesar 0,20%. Pertumbuhan aset bank bjb berada di bawah pertumbuhan aset Bank Umum sehingga market share aset bank bjb NFOHBMBNJQFOVSVOBOTFCFTBS  ZPZ  Pertumbuhan giro bank bjb ZBOH UJOHHJ ZBJUV TFCFTBS 31,58% semakin memperkuat market share giro bank bjb UFSIBEBQ HJSP #BOL 6NVN ZBOH KVHB NFOJOHLBU   dan semakin menambah komposisi dana murah bank bjb. DPK bank bjb pada Desember 2014 tumbuh sebesar   ZPZ NFOKBEJ3Q USJMJVOEFOHBOQFOJOHLBUBO market share terhadap DPK Bank Umum sebesar 0,01%

Des 2014

Triliun Rp

  Ï

5,45 Ï

% 5,11%

Des 2013  

Tabungan Savings

 

 

 

 

2,42%

47,16%  

Tabungan Savings

Des/Dec 2014

14,09%

19,04 Ï

Komposisi DPK (Nominal) Periode Desember 2014/ Composition DPK (Nominal) Period December 2014

Des/Dec 2013

Market Share bank bjb terhadap Bank Umum/ Market Share bjb bank to commercial banks (%)

0,01 •

18,62

Valas/Forex

%

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/Realization (Triliun/Trillion Rp)

0,41 Ï

•

Deposito/Time Deposits Valas/Forex

Bank Umum/ Commercial Banks Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/Realization (Triliun/Trillion Rp)

Deposito Time Deposits

Des 2014 1,01% Ð

%  

t 5IF DPODFOUSBUJPO PG CSBODI PGmDF PQFOJOHT PG Commercial Bank began to spread to the zone with lower CBOL TBUVSBUJPO MFWFM ;POFT      BOE   BMPOH XJUI UIF FOBDUNFOU PG #BOL *OEPOFTJB 3FHVMBUJPO /P PBI/2012 on “Multiple License” at the end of 2012. This has an impact on the increase in the collection, disbursement of funds and the opening of branches in the zones. • bank bjb’s intermediation function in zone 3 is increasing XJUIHSPXUIPGUIVTUIFDSFEJUNBSLFUTIBSFPGCBOL bjbJO[POFSPTFCZUP • The growth of bank bjb’s assets is under the growth of the assets of commercial banks thus the market share of bank bjbTBTTFUTEFDSFBTFECZ ZPZ  • The high growth of bank bjb’s demand deposits at 31.58% further strengthened the market share of bank bjb’s demand deposits to the demand deposits of Commercial #BOL XIJDI BMTP JODSFBTFE  BOE BMTP BEEFE UIF composition of bank bjb’s low cost funds. • bank bjbT UIJSE QBSUZ GVOET JO %FDFNCFS  HSFX CZ  ZPZ UP3QUSJMMJPOXJUIBOJODSFBTFJONBSLFU TIBSFUPXBSETUIFUIJSEQBSUZGVOETPGDPNNFSDJBMCBOLT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

108

TINJAUAN BISNIS & INDUSTRI

ZPZ  (JSP 3VQJBI CBOL bjb merupakan salah satu komponen DPK dengan angka pertumbuhan tertinggi ZBJUV UVNCVI TFCFTBS   ZPZ  EFOHBO LFOBJLBO market shareUFSIBEBQ(JSP3VQJBI#BOL6NVNTFCFTBS   ZPZ  Pertumbuhan laba bersih Bank Umum pada Desember UVNCVITFCFTBS  ZPZ TFEBOHLBOMBCBCFSTJI bank bjb mengalami penurunan pertumbuhan sebesar   ZPZ #FSEBTBSLBOLPOEJTJUFSTFCVU market share aset bank bjb terhadap aset Bank Umum adalah sebesar   BUBV UVSVO TFCFTBS   ZPZ  EJCBOEJOHLBO dengan Desember 2013.

BNPVOUFE UP  ZPZ  CBOL bjb’s demand deposit EFOPNJOBUFEJO3VQJBIJTPOFDPNQPOFOUJOEFQPTJUTXJUI UIFIJHIFTUHSPXUISBUF OBNFMZHSFXCZ ZPZ XJUI BOJODSFBTFPGNBSLFUTIBSFBHBJOTUUIF3VQJBIEFNBOE EFQPTJUJTPG$PNNFSDJBM#BOLTPG ZPZ  t 5IFHSPXUIPGOFUQSPmUPGDPNNFSDJBMCBOLTJO%FDFNCFS XBT ZPZ

XIJMFUIFCBOL bjbTOFUQSPmUHSPXUI EFDSFBTFECZ ZPZ 6OEFSUIFTFDPOEJUJPOT UIF market share of bank bjb’s assets against the asset’s of DPNNFSDJBM CBOLT BNPVOUFE UP   PS EFDMJOFE CZ  ZPZ DPNQBSFEUP%FDFNCFS

MARKET SHARE KREDIT bank bjb TERHADAP BANK UMUM

EDQN EME·6 &5(',7 0$5.(7 6+$5( $*$,167 THE CREDIT MARKET SHARE OF COMMERCIAL BANKS

•

Bank Umum/Commercial Banks

bank bjb POS KEUANGAN '*/"/$*"-1045

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/3FBMJ[BUJPO (Triliun/Trillion Rp) Des/Dec 2013

Des/Dec 2014

Triliun/Trillion Rp

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/3FBMJ[BUJPO (Triliun/Trillion Rp) Des/Dec 2013

%

Des/Dec 2014

Triliun/Trillion Rp

45,11

  Ï

 

  Ð

3,41

  Ï

32,84

  Ï

5,10 Ï 15,51%

Total Kredit (Menurut Jenis Valuta) 5PUBM-PBO #BTFEPO$VSSFODZ

45,11

  Ï

4,14 Ï

 

    Ï

 3VQJBI

44,75

  Ï

4,34 Ï

 

2.720,50

0,24

0,17 Ð

(0,07) Ð  

572,37

45,11

  Ï

 

0,82 Ð

(0,14) Ð  

 

0,05

0,05 Ð

(0,00) Ð

-8,54%

 

0,10

0,05 Ð

(0,05) Ð -50,42%

Industri Pengolahan/1SPDFTTJOH*OEVTUSZ

 

1,50 Ï

Listrik, Gas, dan Air/Electric, Gas and Water

 

0,28 Ð

Konstruksi/Construction

Total Kredit (Menurut Jenis Penggunaan) 5PUBM-PBO #BTFEPO5ZQFPG6UJMJ[BUJPO

Kredit Modal Kerja/Working Capital Loan Kredit Investasi/Investment Loan Kredit Konsumsi/Consumption Loan

Valas/Forex Total Kredit (Menurut Sektor Ekonomi) Total Loan (Based on Economic Sector) Pertanian, Perburuan, dan Kehutanan  "HSJDVMUVSF )VOUJOH BOE'PSFTUSZ Perikanan/Fisheries Pertambangan dan Penggalian  .JOJOHBOE2VBSSZJOH

4,14 Ï

 

(1,18) Ð   0,23 Ï

 

%

Market Share bank bjb terhadap Bank Umum/ Market Share bjb bank to commercial banks (%) Des/Dec 2013

Des/Dec 2014

¨

%

381,43 Ï 11,58%

1,37%

1,34% Ð

-0,03%

1.757,45 Ï   Ï 10,83%

    Ï

 

0,44% Ð

-0,12%

105,04 Ï  

0,43%

0,40% Ð

-0,02%

    Ï   Ï 11,51%

 

3,74% Ï

0,13%

381,43 Ï 11,58%

1,37%

1,34% Ð

-0,03%

  Ï   Ï 12,40%

   

  Ï

 

  Ð

-0,04%

 

0,04%

0,03% Ð

-0,01%

381,43 Ï 11,58%

1,37%

1,34% Ð

-0,03%

  Ï

35,22 Ï  

0,54%

  Ð

 

7,70 Ï

1,31 Ï 20,45%

 

  Ð

 

 

141,82 Ï

15,00 Ï 11,83%

0,08%

0,03% Ð

-0,04%

0,21 Ï  

577,88

  Ï

  Ï 14,30%

(0,01) Ð  

 

81,13 Ï

4,14 Ï

 

  Ï

    Ï

  Ï

  Ï

0,22%

0,23% Ï

0,00%

 

0,37%

0,35% Ð

-0,02%

 

2,58 Ï

  Ï 33,47%

 

147,27 Ï

31,18 Ï  

 

1,75% Ï

 

Perdagangan Besar & Eceran  8IPMFTBMF3FUBJM

4,50

3,54 Ð

   Ð -21,31%

 

  Ï

  Ï  

0,70%

  Ð

-0,20%

 1FOZFEJBBO"LPNPEBTJ1FOZFEJBBO Makan Minum/Provision of Accomodation and Provision of Food and Beverages

0,08

  Ð

(0,02) Ð -21,73%

 

73,58 Ï

14,28 Ï 24,07%

0,14%

  Ð

-0,05%

Transportasi, Pergudangan, dan Komunikasi/Transportation, Warehousing, and Communication

0,25

0,22 Ð

(0,03) Ð -10,75%

 

171,81 Ï

  Ï

5,13%

0,15%

0,13% Ð

-0,02%

15,03 Ï

Perantara Keuangan/Financial Intermediaries  3FBMFTUBUF 6TBIB1FSTFXBBO +BTB 1FSVTBIBBO3FBMFTUBUF 3FOUBM#VTJOFTT  4FSWJDFT$PNQBOZ Administrasi Pemerintahan & Pertahanan Government Administration & Defence

-

- Ï

2,57

2,02 Ð

-

-

Ä

n/a

151,15

  Ï

 

0,00%

0,00% Ä

0,00%

(0,55) Ð  

 

  Ð

(27,72) Ð -14,35%

1,33%

1,22% Ð

-0,11%

n/a

12,48

11,00 Ð

(1,47) Ð -11,81%

0,00%

0,00% Ä

0,00%

-

-

0,03

0,02 Ð

(0,01) Ð  

5,48

  Ï

1,17 Ï 21,38%

0,58%

0,34% Ð

-0,24%

 +BTB,FTFIBUBO,FHJBUBO4PTJBM)FBMUI & Social Services

0,04

0,02 Ð

(0,01) Ð  

10,15

12,32 Ï

2,17 Ï  

0,35%

0,18% Ð

-0,18%

 +BTB,FNBTZBSBLBUBO4PTJBM#VEBZB -BJOOZB$PNNVOJUZ4FSWJDFT0UIFS Socio-Cultural Services

0,17

0,14 Ð

(0,03) Ð  

 

  Ï

13,88 Ï 25,78%

0,31%

0,20% Ð

-0,11%

Jasa Pendidikan/Education Services

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

109 BUSINESS & INDUSTRY REVIEW

Bank Umum/Commercial Banks

bank bjb POS KEUANGAN '*/"/$*"-1045

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/3FBMJ[BUJPO (Triliun/Trillion Rp) Des/Dec 2013

Des/Dec 2014

Triliun/Trillion Rp

Pertumbuhan/Growth Des/Dec 2013 Des/Dec 2014

Realisasi/3FBMJ[BUJPO (Triliun/Trillion Rp) Des/Dec 2013

%

Des/Dec 2014

Triliun/Trillion Rp

%

Market Share bank bjb terhadap Bank Umum/ Market Share bjb bank to commercial banks (%) Des/Dec 2013

Des/Dec 2014

¨

%

 +BTB1FSPSBOHBOZBOH.FMBZBOJ3VNBI Tangga/Individual Services Serving )PVTFIPMET

-

-

Ä

-

n/a

1,54

2,22 Ï

  Ï 44,43%

0,00%

0,00% Ä

0,00%

Badan Internasional & Badan Ekstra *OUFSOBTJPOBM-BJOOZB*OUFSOBUJPOBM Agencies & Other Extras of International Agencies

-

-

Ä

-

n/a

0,32

0,21 Ð

(0,11) Ð  

0,00%

0,00% Ä

0,00%

-

Ä

-

n/a

 

  Ï

  Ï 

0,00%

0,00% Ä

0,00%

  Ï 12,03%

 

832,75 Ï

144,70 Ï 21,03%

 

0,52% Ð

-0,04%

 ,FHJBUBOZBOH#FMVN+FMBT#BUBTBOOZB Activites with Unclear Limitations

3,85

4,31 Ï

28,88

  Ï

4,75 Ï  

222,07

  Ð    Ð -18,53%

 

  Ð

(1,10) Ð -22,04%

 

  Ï

Kredit Mikro/Micro Credit

3,70

  Ð

(1,04) Ð -28,21%

 

Kredit Kecil/Small Credit

1,22

1,13 Ð

   Ð  

 

Kredit Menengah/Middle Credit

0,08

0,11 Ï

0,03 Ï 45,51%

303,55

  Ï

 3VNBI5BOHHB)PVTFIPMET  #VLBO-BQBOHBO6TBIB/PO#VTJOFTT Total Kredit UMKM (Menurut Skala Usaha) Total SME Loan (Based on Business Scale)

t 4FLUPS ZBOH QBMJOH CBOZBL NFOZFSBQ LSFEJU QFSCBOLBO adalah sektor rumah tangga, perdagangan besar & eceran, serta industri pengolahan dengan total proporsi LSFEJU TFCFTBS   EBSJ UPUBM LSFEJU #BOL VNVN Sedangkan pada bank bjb  QFOZBMVSBO LSFEJU CBOL bjb didominasi oleh sektor bukan lapangan usaha dengan QSPQPSTJ LSFEJU TFCFTBS   EBSJ UPUBM LSFEJU CBOL bjb EFOHBO QFSUVNCVIBO LSFEJU ZBOH DVLVQ UJOHHJ ZBJUV TFCFTBS TFSUBmarket shareTFCFTBS  • Secara keseluruhan pada TW IV 2014, sektor pertanian UVNCVINFMBNCBUTFCBHBJEBNQBLEBSJNFOVSVOOZBMVBT panen padi terkait dengan pengalihan lahan ke jagung dan kedelai. Sekor industri juga tercatat tumbuh melambat TFKBMBO EFOHBO LFDFOEFSVOHBO NFMFNBIOZB LPOTVNTJ TXBTUB EBO NFMBNCBUOZB FLTQPS EJ QFOHIVKVOH 5BIVO 2014. • Kredit bank bjb EFOHBO NBUB VBOH 3VQJBI QBEB %FTFNCFSUVNCVITFCFTBS  ZPZ

TFEBOHLBO kredit dalam mata uang valas tercatat mengalami QFOVSVOBOQFSUVNCVIBOTFCFTBS  ZPZ %BSJTJTJ market share  CBJL LSFEJU 3VQJBI NBVQVO 7BMBT TBNB sama mengalami penurunan share TFCFTBS   ZPZ  VOUVLLSFEJU3VQJBIEBOUVSVOTFCFTBS  ZPZ VOUVL kredit valas. • Untuk kredit UMKM pada Desember 2014, kredit UMKM Bank Umum mencatatkan pertumbuhan sebesar 10,33% ZPZ  ZBOH NFSVQBLBO LPOUSJCVTJ EBSJ QFSUVNCVIBO kredit UMKM untuk setiap skala usaha. Sedangkan pada bank bjb  QFOJOHLBUBO IBOZB UFSKBEJ QBEB QFOZBMVSBO LSFEJUVOUVLTLBMBVTBIBNFOFOHBIZBOHUVNCVI  EJCBOEJOHLBOUBIVOTFCFMVNOZB

•

•

•

•

13,00%

  Ï

 

  Ï 10,33%

0,82%

0,58% Ð

-0,24%

140,27 Ï

21,38 Ï  

3,11%

  Ð

-1,22%

  Ï

  Ï

8,37%

 

  Ð

-0,10%

  Ï

8,54%

0,02%

0,03% Ï

0,01%

Sectors which absorb most of the banking credit are the household sector, large and retail trade, as well as UIF QSPDFTTJOH JOEVTUSZ XJUI B UPUBM QSPQPSUJPO PG DSFEJU BNPVOUJOH UP  PG UIF UPUBM DSFEJU PG DPNNFSDJBM banks. Meanwhile in bank bjb, the disbursement of MPBOT JT EPNJOBUFE CZ UIF OPOCVTJOFTT TFDUPS XJUI UIF QSPQPSUJPOPGDSFEJUBNPVOUJOHUPPGUIFUPUBMDSFEJU PGUIF#BOLXJUIIJHIDSFEJUHSPXUIOBNFMZBOEB NBSLFUTIBSFPG Overall in Quarter IV of 2014, the agricultural sector grew slower as the impact of the decrease in rice harvesting area BTTPDJBUFEXJUIUIFUSBOTGFSPGMBOEGPSDPSOBOETPZCFBOT The industrial sector also recorded slower growth in line with the downward trend in private consumption and the slowdown of export at the end of 2014. bank bjbT DSFEJU EFOPNJOBUFE JO 3VQJBI JO %FDFNCFS  HSFX CZ  ZPZ

 NFBOXIJMF GPSFJHO DVSSFODZ EFOPNJOBUFEMPBOTSFDPSEFEBEFDMJOFJOHSPXUIPG ZPZ *OUFSNTPGNBSLFUTIBSF CPUI3VQJBIBOE'PSFJHO $VSSFODZ$SFEJUFRVBMMZEFDSFBTFECZ ZPZ GPSUIF 3VQJBIEFOPNJOBUFEMPBOTBOEEFDSFBTFECZ ZPZ  GPSGPSFJHODVSSFODZMPBOT For MSME loans in December 2014, MSME loans of $PNNFSDJBM #BOLT SFDPSEFE B HSPXUI PG  ZPZ

 OBNFMZ UIF DPOUSJCVUJPO PG UIF HSPXUI PG .4.& MPBOT UP BOZCVTJOFTTTDBMF.FBOXIJMFJOCBOLbjb JODSFBTFPOMZ occurred in lending to medium-scaled enterprises which HSFXPWFSUIFQSFWJPVTZFBS

bank bjb Annual Report 2014

110

KONSUMER CONSUMER

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

111 CONSUMER

1BEB UBIVO   UFLBOBO UFSIBEBQ EBZB CFMJ NBTZBSBLBU DVLVQ CFTBS NFOHJOHBU JOnBTJ NBTJI UJOHHJ  ZBJUV TFCFTBS  4BMBITBUVQFNJDVVUBNBOZBBEBMBILFOBJLBOIBSHB CBIBOCBLBSNJOZBLQBEB/PWFNCFS

*O QSFTTVSFPOQVSDIBTJOHQPXFSXBTRVJUFTJHOJmDBOU DPOTJEFSJOH UIF IJHI JOnBUJPO OBNFMZ BU UIF MFWFM PG  One of the main drivers was the increase in fuel prices in /PWFNCFS

*OEJLBTJ NFMFNBIOZB EBZB CFMJ NBTZBSBLBU TBMBI TBUVOZB EJUVOKVLBONFMBMVJIBTJM4VSWFJ,POTVNFOZBOHEJMBLVLBOPMFI Badan Pusat Statistik (BPS). Pada survei Desember 2014, *OEFLT,FZBLJOBO,POTVNFOUFSDBUBUTFCFTBS  UVSVO  QPJOEJCBOEJOHLBOJOEFLTTFCFMVNOZB

One of the indications of the weakening purchasing power XBT UIF SFTVMUT PG $POTVNFS 4VSWFZ DPOEVDUFE CZ UIF $FOUSBM #VSFBV PG 4UBUJTUJDT #14  *O UIF TVSWFZ DPOEVDUFE JO%FDFNCFS UIF$POTVNFS$POmEFODF*OEFYTUPPEBU  PSEFDSFBTFECZQPJOUTDPNQBSFEUPUIFQSFWJPVT index.

)BTJM TVSWFJ JOJ NFNQFSMJIBULBO QFSLFNCBOHBO EBO FLTQFLUBTJ LPOTVNTJ NBTZBSBLBU ZBOH EJQFOHBSVIJ PMFI QBOEBOHBOOZB UFSIBEBQ TJUVBTJ FLPOPNJ )BTJM TVSWFJ Desember tersebut mengungkapkan, salah satu pengaruh ZBOHNFOFLBOLPOTVNTJNBTZBSBLBUBEBMBILFOBJLBOIBSHB CBIBOCBLBSNJOZBLCFSTVCTJEJ

5IF SFTVMUT PG UIJT TVSWFZ TIPXFE UIBU UIF EFWFMPQNFOU BOE FYQFDUBUJPOTPGUIFDPNNVOJUZTDPOTVNQUJPOJTJOnVFODFECZ UIFJSWJFXPOUIFFDPOPNJDTJUVBUJPO5IFSFTVMUTPGUIFTVSWFZ performed in December revealed that one of the factors suppressing consumption was the rise of subsidized fuel prices.

,POEJTJ JOJ TFKBMBO EFOHBO QFSMBNCBUBO ZBOH UFSKBEJ QBEB QFOZBMVSBO LSFEJU LPOTVNTJ #BOL *OEPOFTJB NFODBUBU CBIXBLSFEJULPOTVNTJZBOHEJSFBMJTBTJLBOPMFICBOLVNVN TFQBOKBOHUBIVONFODBQBJ3Q USJMJVO NFOJOHLBU   EJCBOEJOHLBO UBIVO TFCFMVNOZB 4FNFOUBSB QBEB UBIVO QFSUVNCVIBOLSFEJULPOTVNTJTFCFTBS 

This condition was in line with the slowdown that occurred in consumer lending. Bank Indonesia noted that consumer loans SFBMJ[FECZDPNNFSDJBMCBOLTEVSJOHUIFZFBSSFBDIFE 3Q USJMMJPO  BO JODSFBTF PG  PWFS UIF QSFWJPVT ZFBS.FBOXIJMFJO DPOTVNFSMPBOTHSFXCZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

112

KONSUMER

4FEBOHLBOEJ#1% SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJ QBEBUBIVOTFCFTBS3Q USJMJVO+JLBEJCBOEJOHLBO UBIVOTFCFMVNOZBNFOHBMBNJLFOBJLBO 4FEBOHLBO QBEBUBIVOEJCBOEJOHLBOUBIVO QFSUVNCVIBOOZB NFODBQBJ 

Meanwhile in regional credit banks (BPD), the actual distribution of funds for consumption in 2014 amounted to 3Q USJMMJPO  BO JODSFBTF PG  DPNQBSFE UP UIF QSFWJPVT ZFBS 8IFSFBT JO  HSPXUI SFBDIFE  compared to 2012.

Untuk penghimpunan Dana Pihak Ketiga (DPK) di bank umum, QBEBBLIJSUBIVOKVNMBIOZBNFODBQBJ3Q USJMJVO +VNMBI UFSTFCVU NFOHBMBNJ LFOBJLBO   EJCBOEJOHLBO tahun 2013. Sementara untuk tahun 2013 dibandingkan tahun  QFSUVNCVIBOOZBMFCJIUJOHHJ ZBJUV 

'PS UIF DPMMFDUJPO PG UIJSE QBSUZ GVOET %1,  JO DPNNFSDJBM CBOLT  CZ UIF FOE PG  UIF OVNCFS SFBDIFE 3Q  USJMMJPOPSBOJODSFBTFPGDPNQBSFEUP"TGPSUIF ZFBSHSPXUIXBTIJHIFSOBNFMZDPNQBSFEUPUIF ZFBS

STRATEGI

STRATEGY

%BMBN TJUVBTJ QFSFLPOPNJBO ZBOH LVSBOH NFOEVLVOH tersebut, bank bjb telah mengimplementasikan strategi guna mempertahankan kinerja segmen konsumer agar tetap berjalan dengan baik. Sepanjang tahun 2014, sejumlah JOJTJBUJGZBOHEJKBMBOLBO EJBOUBSBOZB

In the unfavorable economic situation, the Bank has implemented strategies to maintain the performance of consumer segment in order to remain well. Throughout 2014, BOVNCFSPGJOJUJBUJWFTXFSFJNQMFNFOUFE JODMVEJOH

A. Strategi produk Agar mampu menarik minat nasabah, bank bjb NFODJQUBLBO QSPEVL %BOB 1JIBL ,FUJHB %1,  ZBOH bersaing dan dapat memenuhi kebutuhan nasabah. Pada awal tahun 2014, bank bjb mengeluarkan produk tabungan baru dalam rangka memperluas segmen pasar dan sebagai bentuk kepedulian bank bjb dalam melakukan edukasi perbankan sejak usia dini kepada NBTZBSBLBUEFOHBOOBNBbjb5BOEBNBUB.Z'JSTU

A. Strategy on Product To be able to attract customers, bank bjb created third QBSUZGVOET %1, QSPEVDUTXIJDIBSFDPNQFUJUJWFBOEDBO NFFU DVTUPNFST OFFET *O FBSMZ   UIF #BOL JTTVFE a new savings products in order to expand the market segment and as a concern of bank bjb in performing CBOLJOH FEVDBUJPO GSPN BO FBSMZ BHF  OBNFMZ bjb 5BOEBNBUB.Z'JSTU

B. Pricing Strategy Bersamaan dengan strategi pengembangan produk, bank bjb melakukan evaluasi terhadap penetapan suku CVOHB %1, ZBOH EBQBU EJCFSJLBO LFQBEB OBTBCBI )BM JOJ EJMBLVLBO BHBS QSPEVL ZBOH EJLFMVBSLBO 1FSVTBIBBO EBQBUCFSTBJOHEJUFOHBILPNQFUJTJZBOHLFUBU,FCJKBLBO ini diambil dengan memperhatikan kondisi internal bank serta market.

B. Pricing Strategy  "MPOH XJUI UIF QSPEVDU EFWFMPQNFOU TUSBUFHZ  CBOL bjb FWBMVBUFE UIF JOUFSFTU SBUF PG UIF UIJSE QBSUZ GVOET UP be given to customers. This was conducted so that the QSPEVDUTJTTVFECZUIF$PNQBOZDBODPNQFUFJOJOUFOTF DPNQFUJUJPO5IJTQPMJDZXBTUBLFOXJUIEVFSFHBSEUPUIF internal condition of the Bank and the market.

C. Pemasaran Terpadu Agar mampu menjangkau nasabah lebih luas, bank bjb KVHB NFOHFNCBOHLBO NPEFM QFNBTBSBO UFSQBEV ZBOH dilakukan dengan sejumlah pihak. Strategi ini membuat QFOFUSBTJQBTBSZBOHEJMBLVLBOPMFI1FSVTBIBBONFOKBEJ lebih mudah.

C. Integrated Marketing To be able to reach a wider customer, bank bjb also developed a model of integrated marketing undertaken XJUIBOVNCFSPGQBSUJFT5IJTTUSBUFHZJTJOUFOEFEUPFBTF UIFNBSLFUQFOFUSBUJPOQFSGPSNFECZUIF$PNQBOZ



4FKVNMBI JOJTJBUJG TUSBUFHJ TFQBOKBOH UBIVO  ZBOH EJKBMBOLBOBEBMBI

bank bjb Laporan Tahunan 2014

A number of strategic initiatives undertaken during the ZFBSXFSF

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

113 CONSUMER

1. Kerja sama penghimpunan DPK dengan pihak ketiga Kerja sama dilakukan dengan pemerintah (Business to Government) maupun dengan dunia usaha (Business to Business  "EBQVO SFBMJTBTJOZB TFQBOKBOH UBIVO BEBMBI • Kerja sama dengan Kementerian Pendidikan EBO ,FCVEBZBBO EBMBN IBM QFOZBMVSBO EBOB UVOKBOHBOHVSV TFSUJmLBTJ TFOJMBJ3QUSJMJVO • Kerja sama dengan Dinas Pendidikan Provinsi +BXB#BSBUEBO#BOUFOUFSLBJUEFOHBOQFOZBMVSBO EBOB CBOUVBO PQFSBTJPOBM TFLPMBI TFOJMBJ 3Q  triliun. • Kerja sama dengan Dinas Pendidikan Provinsi +BXB #BSBU UFSLBJU EFOHBO QFOZBMVSBO #BOUVBO 4PTJBM#VLVTFOJMBJ3Q NJMJBS • Kerja sama dengan Dinas Pendidikan Provinsi +BXB #BSBU UFSLBJU EFOHBO QFOZBMVSBO #BOUVBO 4PTJBM1FOEBNQJOHBOTFOJMBJ3Q NJMJBS • Kerja sama dengan PT Taspen (Persero) dalam IBMQFNCBZBSBOUBCVOHBOIBSJUVB UBCVOHBOIBSJ tua Multiguna dan pensiun melalui rekening bank. 5PUBMQFOZBMVSBOEBOBQFOTJVOTFMBNBUBIVO BEBMBITFCFTBS3Q NJMJBS

1. Cooperation with third parties in acquiring third party funds Cooperation is established with the government (Business to Government) as well as with the business (Business to Business), with the following realizations UISPVHIPVU t 8PSL DMPTFMZ XJUI UIF .JOJTUSZ PG &EVDBUJPO BOE Culture in terms of the distribution of allowance GVOETGPSUFBDIFST DFSUJmDBUJPO XPSUI3QUSJMMJPO t 8PSL DMPTFMZ XJUI UIF %FQBSUNFOU PG &EVDBUJPO of West Java Province and Banten related to the distribution of school operational funds worth 3QUSJMMJPO t 8PSLDMPTFMZXJUIUIF%FQBSUNFOUPG&EVDBUJPOPG West Java Province associated with the distribution of the social assistance in the form of books worth 3QCJMMJPO t 8PSLDMPTFMZXJUIUIF%FQBSUNFOUPG&EVDBUJPOPG West Java Province associated with the distribution PGUIF4PDJBM"TTJTUBODFXPSUI3QCJMMJPO t $PPQFSBUF XJUI 15 5"41&/ 1FSTFSP  SFUJSFNFOU savings and multipurpose retirement savings through bank accounts. The total distribution of QFOTJPO GVOET EVSJOH  BNPVOUFE 3Q billion.

2. Pendekatan komunitas (Community Marketing) Pada akhir Tahun 2014, bank bjb bekerja sama dengan PT Persib Bandung Bermartabat untuk LFBOHHPUBBO LMVC TFQBLCPMB 1FSTJC #BOEVOH ZBOH diperoleh melalui pembukaan rekening tabungan bank bjb Tandamata dan mendapatkan fasilitas ATM Co-Branding bank bjb dengan desain khusus Persib.

2. Community Approach (Community Marketing) At the end of 2014, the Bank cooperated with PT Persib Bandung Bermartabat for the membership of Persib Bandung football club which can be obtained CZ PQFOJOH B TBWJOHT BDDPVOU CBOL bjb Tandamata BOEBDRVJSFTUIFGBDJMJUZPG"5.$P#SBOEJOHCBOLbjb with special design.

3. Promosi Kegiatan promosi untuk menarik minat nasabah UFSNBTVL TUSBUFHJ ZBOH EJKBMBOLBO PMFI CBOL bjb TFCBHBJ VQBZB NFNQFSUBIBOLBO EBO NFOJOHLBULBO kinerja di bidang konsumer. Untuk tahun 2014, bank bjbUFMBINFOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSB FGFLUJGUFSQBEVEBOCFSLFTJOBNCVOHBONFMBMVJ t 1SPHSBN1FUJL)BEJBICBOLbjb 2014-2015 • Program berhadiah langsung bjb Tandamata Berjangka t 1SPHSBN (FCZBS "LIJS 5BIVO #VOHB 5BCVOHBO Setingkat Deposito) t 1SPHSBN)BEJBI4BOH+VBSB

3. Promotion Promotional activities to attract customers are included BT UIF #BOLT TUSBUFHZ UP NBJOUBJO BOE JNQSPWF QFSGPSNBODFJOUIFmFMEPGDPOTVNFS*O UIF#BOL FTUBCMJTIFE BO FGGFDUJWFMZ JOUFHSBUFE BOE TVTUBJOBCMF QSPNPUJPOTUSBUFHZUISPVHI t 5IF1SPHSBN1FUJL)BEJBICBOLbjb 2014-2015 t 5IF 1SPHSBN XJUI EJSFDU QSJ[FT CKC 5BOEBNBUB Berjangka t 5IF 1SPHSBN  (FCZBS "LIJS 5BIVO 4BWJOHT interest the same as Time Deposits Interest) t 5IF1SPHSBN)BEJBI4BOH+VBSB

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

114

KONSUMER

KINERJA 2014

2014 PERFORMANCE

Dana Pihak Ketiga

Funding

,POEJTJ QFSFLPOPNJBO ZBOH LVSBOH NFOEVLVOH UFSIBEBQ industri perbankan juga dirasakan oleh bank bjb. Pertumbuhan penghimpunan Dana Pihak Ketiga (DPK) pada segmen LPOTVNFS JLVU NFOHBMBNJ QFSMBNCBUBO  TBNB IBMOZB ZBOH dialami oleh bank umum.

5IF VOGBWPSBCMF FDPOPNJD DPOEJUJPO JO UIF CBOLJOH JOEVTUSZ XBT BMTP GFMU CZ CBOL bjb 5IF HSPXUI PG UIJSE QBSUZ GVOET (DPK) in the consumer segment experienced a slowdown, TJNJMBSUPUIBUFYQFSJFODFECZDPNNFSDJBMCBOLT

5PUBM %1, ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO QBEB UBIVO  NFODBQBJ 3Q  USJMJVO +JLB EJCBOEJOHLBO UBIVO  ZBOH NFODBQBJ TFCFTBS 3Q  USJMJVO CFSBSUJ NFOHBMBNJ LFOBJLBO   ,FOBJLBO UFSCFTBS EJBMBNJ PMFI QSPEVL%FQPTJUP,POTVNFSZBOHTFCFTBS 4FEBOHLBO Giro Konsumer melemah 2,55%, namun Tabungan tetap naik 5,51%.

5PUBM EFQPTJUT TVDDFTTGVMMZ QPTUFE CZ UIF $PNQBOZ JO  SFBDIFE 3Q USJMMJPO PS JODSFBTFE CZ  XIFO DPNQBSFE UP UIF ZFBS   XIJDI BNPVOUFE UP 3Q USJMMJPO 5IF MBSHFTU JODSFBTF XBT FYQFSJFODFE CZ $POTVNFS Deposits products which amounted to 10.33%. Meanwhile Consumer Current Accounts fell 2.55%, however Savings still SPTFCZ

Dari sisi komposisi, sepanjang tahun 2014 produk Tabungan memberikan kontribusi terbesar terhadap total DPK Konsumer ZBOH NBTVL CBOL bjb  ZBJUV   4FEBOHLBO (JSP ,POTVNFS EBO %FQPTJUP ,POTVNFS NBTJOHNBTJOH   dan 24,55%.

In terms of composition, throughout 2014 Savings provided the MBSHFTU DPOUSJCVUJPO UP UIF UPUBM $POTVNFS 5IJSE 1BSUZ 'VOET of bank bjb  OBNFMZ  .FBOXIJMF $POTVNFS $VSSFOU "DDPVOU BOE $POTVNFS %FQPTJUT SFTQFDUJWFMZ DPOUSJCVUFE BOE

Berikut ini pencapaian DPK Konsumer dalam tiga tahun terakhir (2012-2014).

5IFGPMMPXJOHUBCMFEFTDSJCFTUIF5IJSE1BSUZ'VOETBDRVJSFE JOUIFMBTUUISFFZFBST  

3Q+VUB

3Q+VUB

No

Dana Pihak Ketiga

1

Giro Konsumer

2 3

2012

2013

2014

Third Party Fund

358.484



330.841

Consumer Current Account

Tabungan



11.777.088



Savings

Deposito Konsumer







Consumer Deposits

A. Giro Untuk menjawab kebutuhan bisnis dan transaksi keuangan NBTZBSBLBU ZBOH UFSVT CFSLFNCBOH  CBOL bjb memiliki produk giro baik dalam mata uang rupiah maupun valas ZBOHEBQBUEJBOEBMLBOEFOHBOKBTBHJSPZBOHNFOBSJL

A. Current Account  5P BOTXFS UIF OFFET PG UIF CVTJOFTT BOE mOBODJBM transactions that continues to evolve, bank bjb provides current accounts denominated in rupiah and foreign exchange reliable with attractive services.

bank bjbNFNJMJLJQSPEVLHJSP ZBJUVbjb(JSP3VQJBIEBO bjb (JSP 7BMBT )JOHHB BLIJS UBIVO   HJSP LPOTVNFS ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO NFODBQBJ 3Q  NJMJBS +JLB EJCBOEJOHLBO EFOHBO LJOFSKB UBIVOZBOHNFODBQBJ3Q NJMJBS NFOHBMBNJ kontraksi sebesar 2,55%.

bank bjb QSPWJEFT UXP DVSSFOU BDDPVOUT  OBNFMZ bjb (JSP3VQJBIBOECKC(JSP7BMBT#ZUIFFOEPG UIF $PNQBOZXBTBCMFUPQPTUDPOTVNFSEFNBOEEFQPTJUTPG 3QCJMMJPO BDPOUSBDUJPOPGXIFODPNQBSFE UP UIF QFSGPSNBODF JO  XIJDI SFBDIFE 3Q billion,

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

115 CONSUMER

Berikut ini tabel pertumbuhan penghimpunan DPK Giro Konsumer bulanan dalam tiga tahun terakhir (2012-2014).

Tahun/ Year

1

2

3

4

5

2014

-40,00%

-10,33%

17,22%

 

 

 

-13,34%

4,38%

3,38%

-10,27%

-3,27%

 

2013

 

7,32%

 

-12,57%

 

 

 

11,22%

 

-18,74%

3,14%

 

2012

-32,54%

 

 

7,80%

 

18,51%

 

 

18,20%

-15,37%

-2,51%

 

Secara keseluruhan, untuk memenuhi kebutuhan transaksi QFSCBOLBO NBTZBSBLBU CBOL bjb NFNJMJLJ  QSPEVL UBCVOHBO



5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG $POTVNFS%FNBOE%FQPTJUTJOUIFMBTUUISFFZFBST  2014).

Bulan/Month

B. Tabungan Pada awal tahun 2014, dalam rangka memperluas segmen pasar dan melakukan edukasi perbankan sejak VTJB EJOJ LFQBEB NBTZBSBLBU  CBOL bjb mengeluarkan QSPEVL ZBOH EJQFSVOUVLBO CBHJ TFHNFO NBTZBSBLBU EFOHBO VTJB õ 5BIVO BOBLBOBL  EFOHBO call name bjb5BOEBNBUB.ZmSTU

• • • • • • • • •



bjb Tandamata bjb Tandamata Gold bjb Tandamata Bisnis bjb Tandamata Berjangka bjb Tandamata Purnabakti bjb Tandamata Dollar bjb5BOEBNBUB.ZmSTU Simpeda Tabunganku

6

7

8

9

10

11

12

B. Savings  *O FBSMZ   JO PSEFS UP FYQBOE UIF NBSLFU TFHNFOU BOEQFSGPSNCBOLJOHFEVDBUJPOGSPNBOFBSMZBHFUPUIF public, bank bjb released products that are intended for TFHNFOUT XJUI UIF BHF õ ZFBST DIJMESFO  XJUI UIF DBMM OBNFPGCKC5BOEBNBUB.ZmSTU



0WFSBMM  UP NFFU UIF DPNNVOJUZT OFFET PG UIF CBOLJOH transactions, bank bjbQSPWJEFTTBWJOHTQSPEVDUT

• • • • • • • • •

bjb Tandamata bjb Tandamata Gold bjb Tandamata Bisnis bjb Tandamata Berjangka bjb Tandamata Purnabakti bjb Tandamata Dollar bjb5BOEBNBUB.ZmSTU Simpeda Tabunganku

Dengan beragam pilihan produk tersebut, nasabah bank bjb memiliki keleluasaan dalam menentukan pilihan. )BM JOJ JLVU NFOEPSPOH LJOFSKB 1FSVTBIBBO EJ TFHNFO penghimpunan dana tabungan.

With the wide selection of products, the customers of the #BOLIBWFUIFnFYJCJMJUZJODIPPTJOHUIFWBSJPVTTFMFDUJPOT 5IJT DPOUSJCVUFE UP UIF $PNQBOZT QFSGPSNBODF JO acquiring savings funds.

4FQBOKBOH UBIVO   EBOB UBCVOHBO ZBOH CFSIBTJM EJIJNQVO TFCFTBS 3Q  USJMJVO BUBV UVNCVI   EJCBOEJOHLBO UBIVO  ZBOH TFCFTBS 3Q  USJMJVO 1FSUVNCVIBO ZBOH CFSIBTJM EJDBQBJ UFSTFCVU CFSBEB EJ BUBT SBUBSBUB QFSUVNCVIBO UBCVOHBO QBEB #1%  ZBOH sebesar 5,35%.

Throughout 2014, the savings funds able to be acquired SFBDIFE3QUSJMMJPO PSJODSFBTFECZDPNQBSFE UPUIFZFBS XIJDIBNPVOUFEUP3QUSJMMJPO5IF growth achieved was above the average of the growth of BPD savings, which amounted to 5.35%.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

116

KONSUMER

Berikut ini tabel pertumbuhan penghimpunan DPK Tabungan bulanan dalam tiga tahun terakhir (2012-2014).

Tahun/ Year



5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG TBWJOHTJOUIFMBTUUISFFZFBST  

Bulan/Month 1

2

3

4

5

6

7

8

9

10

11

12

2014

-11,31%

 

 

11,01%

 

5,50%

8,30%

 

 

 

 

 

2013

 

-5,77%

 

10,88%

-2,23%

-1,84%

 

-2,15%

-2,83%

12,23%

0,37%

28,02%

2012

 

 

 

17,43%

 

 

 

-5,18%

-2,13%

13,21%

 

 

C. Deposito  6OUVL LFCVUVIBO JOWFTUBTJ ZBOH BNBO EBO UFSQFSDBZB EFOHBO UJOHLBU CVOHB ZBOH CFSTBJOH  CBOL bjb memiliki QSPEVLEFQPTJUPZBOHCFSWBSJBTJTFTVBJEFOHBOLFCVUVIBO NBTZBSBLBU ZBJUV • bjb Deposito Berjangka • bjb Deposito Suka Suka • bjb Deposito Valas • bjb Deposito Diskonto

C. Time Deposits For the needs of safe and reliable investment with competitive interest rate, bank bjb provides time deposits products varied according to the needs of the customers, OBNFMZ • bjb Deposito Berjangka • bjb Deposito Suka Suka • bjb Deposito Valas • bjb Deposito Diskonto

Kinerja penghimpunan deposito sepanjang tahun 2014 KVHBUVNCVIQPTJUJGTFCFTBS  EBSJ3Q USJMJVO QBEB UBIVO  NFOKBEJ 3Q  USJMJVO QBEB UBIVO  4FDBSB CVMBOBO  QFSUVNCVIBO UFSUJOHHJOZB UFSKBEJ QBEBCVMBO%FTFNCFS ZBJUVTFCFTBS 



5IFQFSGPSNBODFUPBDRVJSFUJNFEFQPTJUTEVSJOHUIFZFBS  HSFX QPTJUJWFMZ CZ   GSPN 3Q USJMMJPO JO  UP 3Q CJMMJPO JO  0O B NPOUIMZ CBTJT  the highest growth occurred in December, amounting to 12.83%.

Berikut ini tabel pertumbuhan penghimpunan DPK Deposito bulanan dalam tiga tahun terakhir (2012-2014).



5IFGPMMPXJOHUBCMFEFTDSJCFTUIFNPOUIMZHSPXUIJOUJNF EFQPTJUTJOUIFMBTUUISFFZFBST  

Tahun/ Year

Bulan/Month 1

2

3

4

5

6

7

8

9

10

11

12

2014

8,04%

0,57%

-0,55%

0,87%

-7,27%

-4,13%

 

1,45%

1,75%

2,07%

1,78%

12,83%

2013

 

 

-3,70%

2,42%

-0,41%

-0,38%

-1,22%

3,01%

 

 

4,53%

 

2012

-32,54%

 

 

7,80%

 

18,51%

 

 

18,20%

-15,37%

-2,51%

 

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

117 CONSUMER

Rencana 2015

2015 Plan

Target

Target

Perusahaan menargetkan penghimpunan Dana Pihak Ketiga pada tahun 2015 dapat meningkat di kisaran 17% dengan QSPZFLTJmarket shareEJLJTBSBO )BMJOJTFJSJOHEFOHBO ekspektasi bahwa perekonomian pada tahun 2015 akan jauh lebih stabil dan lebih baik dibandingkan realisasi tahun 2014.

*O   UIF DPNQBOZ JT UBSHFUJOH BO JODSFBTF PG UIJSE QBSUZ funds in the range of 17% with a projected market share in the range of 1.30%. This is in line with expectations that the FDPOPNZ JO  XJMM CF NVDI NPSF TUBCMF BOE CFUUFS UIBO in 2014.

%BSJ TJTJ QSPEVL  NBTJOHNBTJOH QFSUVNCVIBO ZBOH EJIBSBQLBO BEBMBI (JSP TFCFTBS   5BCVOHBO   EBO %FQPTJUP

*O UFSNT PG QSPEVDUT  UIF FYQFDUFE HSPXUI BSF %FNBOE %FQPTJUT CZ   4BWJOHT CZ   BOE 5JNF %FQPTJUT CZ 

Strategi Pencapaian

Achievement Strategy

Untuk mencapai target tersebut, bank bjbUFMBINFOZJBQLBO TFKVNMBITUSBUFHJ EJBOUBSBOZBBEBMBI

To achieve the targets, bank bjb has prepared a number of TUSBUFHJFT OBNFMZ

A. Strategi produk t .FODJQUBLBOQSPEVL%1,ZBOHCFSTBJOHZBOHEBQBU memenuhi kebutuhan nasabah. t 1FOZFNQVSOBBO mUVS UBCVOHBO TFTVBJ EFOHBO QFSLFNCBOHBOLFCVUVIBOOBTBCBIZBOHEJOBNJT

A. Strategy on Product t $SFBUF5IJSE1BSUZ'VOETDPNQFUJOHQSPEVDUTUIBUDBO meet customers’ needs. t 3FmOF UIF GFBUVSFT PG UIF TBWJOHT QSPEVDUT JO BDDPSEBODF XJUI UIF EFWFMPQNFOU PG B EZOBNJD customer needs.

B. Pricing Strategy

B. Pricing Strategy

C. Pemasaran Terpadu • Melakukan kerja sama penghimpunan DPK dengan pihak ketiga - Kerja sama Business to Government - Kerja sama Business to Business • Strategi pemasaran melalui pendekatan komunitas (Community Marketing)

C. Integrated Marketing • Perform cooperation with third-parties in acquiring 5IJSE1BSUZ'VOET - Business to Government Partnership - Business to Business Partnership t 5IFNBSLFUJOHTUSBUFHZUISPVHIDPNNVOJUZBQQSPBDI $PNNVOJUZ.BSLFUJOH

D. Promosi  .FOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSBFGFLUJGUFSQBEV EBOCFSLFTJOBNCVOHBONFMBMVJ t 1FOZFMFOHHBSBBO 1SPHSBN QSPNPTJ UBCVOHBO berhadiah langsung • Pengembangan program aplikasi redeem point • Promosi produk secara Above the Line dan Below The Line (berkoordinasi dengan Divisi Terkait).

D. Promotion Prepare effective, integrated and sustainable promotional TUSBUFHJFTUISPVHI • Implementation Program savings promotion prizes • Development of the program redeem poin • Product promotion through Above the Line dan Below The Line (coordinate with the related Divisions).

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

118

KONSUMER

PEMBIAYAAN

FINANCING

6OUVL UBIVO   QFOZBMVSBO EBOB BUBV LSFEJU EJ TFLUPS konsumsi, baik pada bank umum maupun BPD mengalami QFSMBNCBUBO BLJCBU UFLBOBO UFSIBEBQ EBZB CFMJ NBTZBSBLBU ZBOH UVSVO <QFLUBTJ NBTZBSBLBU UFSIBEBQ TJUVBTJ QFSFLPOPNJBO LVSBOH PQUJNJTUJT )BTJM 4VSWFJ ,POTVNFO PMFI#BEBO1VTBU4UBUJTUJLNFOHPOmSNBTJLBOTJUVBTJJOJ ZBOH ditunjukan melalui Indeks Tendensi Konsumen.

For 2014, the distribution of funds or credit in the consumer sector, both in the commercial banks and regional rural banks (BPD) experienced a slowdown due to the pressure on the purchasing power. Public expectation towards the economic TJUVBUJPOXBTMFTTPQUJNJTUJD$POTVNFS4VSWFZDPOEVDUFECZ UIF$FOUSBM#VSFBVPG4UBUJTUJDTDPOmSNFEUIJTTJUVBUJPO TIPXO UISPVHIUIF$POTVNFS5FOEFODZ*OEFY

*OEFLT QBEB %FTFNCFS ZBOH   NJTBMOZB  NFOHBMBNJ QFOVSVOBO   QPJO EJCBOEJOHLBO JOEFLT TFCFMVNOZB 1FOVSVOBO JOEFLT JOJ NFSVQBLBO TBMBI TBUV TJOZBM CBIXB NBTZBSBLBUNFOBIBOLPOTVNTJOZB

5IF*OEFYPO%FDFNCFSXBTGPSFYBNQMF EFDSFBTFECZ QPJOUTDPNQBSFEUPUIFQSFWJPVTJOEFY5IFEFDMJOFJOUIF index is one of the signals that pressured consumption.

4JUVBTJJOJMBOHTVOHCFSEBNQBLUFSIBEBQQFOZBMVSBOLSFEJUEJ sektor konsumsi. Data Bank Indonesia mengungkapkan bahwa SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJQBEBCBOLVNVN IBOZB UVNCVI   QBEB UBIVO   NFOKBEJ 3Q  USJMJVO4FNFOUBSBQBEBUBIVOQFSUVNCVIBOOZBTFCFTBS  EBO QBEBUBIVO

This situation provided direct impact on lending in the consumer sector. Data from Bank Indonesia revealed that the actual distribution of funds for consumption in commercial CBOLT HSFX POMZ  JO  BOE CFDBNF 3Q USJMMJPO .FBOXIJMF JO  UIF HSPXUI SFBDIFE  BOE JO

Kondisi serupa terjadi pada bank daerah atau BPD. Pada UBIVO   LSFEJU LPOTVNTJ UVNCVI    MFCJI SFOEBI EJCBOEJOHLBOUBIVOZBOH BUBVUBIVOZBOH sebesar 24,14%.

A similar situation occurred in the local bank or BPD. In 2014, DPOTVNFS DSFEJU HSFX CZ   MPXFS UIBO UIF  JO 2013 or in 2012 which amounted to 24.14%.

STRATEGI

STRATEGY

)JOHHB UBIVO   CBOL bjb UFMBI NFMVODVSLBO  FOBN  QSPEVL LSFEJU LPOTVNFS VOUVL NFMBZBOJ LFCVUVIBO OBTBCBI dari berbagai kelas.

Until 2014, bank bjb IBT MBVODIFE  TJY  DPOTVNFS DSFEJU products to serve the needs of the customers in various classes.

1. bjb Kredit Guna Bhakti  1SPEVL JOJ NFSVQBLBO QFNCJBZBBO VOUVL EFCJUVS CFSQFOHIBTJMBOUFUBQZBOHHBKJOZBUFMBIEJTBMVSLBONFMBMVJ bank bjb dan/atau tempat debitur bekerja telah memiliki perjanjian dengan bank bjb 4VNCFS QFOHFNCBMJBOOZB CFSBTBMEBSJHBKJEFCJUVSZBOHEJHVOBLBOVOUVLLFQFSMVBO konsumtif multiguna.

1. bjb Kredit Guna Bhakti  5IJTQSPEVDUJTUIFmOBODJOHUPEFCUPSXJUImYFEJODPNF XIPTF TBMBSZ IBT CFFO DIBOOFMFE UISPVHI CBOL bjb BOEPSUIFQMBDFXIFSFUIFEFCUPSXPSLTBMSFBEZIBTBO agreement with bank bjb. The source of return is derived GSPNUIFTBMBSZPGUIFEFCUPSXIJDIJTVTFEGPSNVMUJQVSQPTF consumptive purposes.

2. bjb Kredit Abdi Bhakti  'BTJMJUBT LSFEJU ZBOH EJCFSJLBO TFDBSB LIVTVT LFQBEB pegawai bank bjb.

2. bjb Kredit Abdi Bhakti  4QFDJBMDSFEJUGBDJMJUZHJWFOUPUIFFNQMPZFFTPGCBOLbjb.

3. bjb Kredit Purna Bhakti  1FNCJBZBBO ZBOH EJCFSJLBO PMFI CBOL bjb untuk debitur dengan status pensiunan sendiri atau pensiunan janda/

3. Credit bjb Purna Bhakti  'JOBODJOH QSPWJEFE CZ CBOL bjb to debtor with retired TUBUVTPSSFUJSFEXJEPXXJEPXFSXIPTFQFOTJPOTBMBSZIBT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

119 CONSUMER

EVEBZBOHHBKJQFOTJVOOZBUFMBIEJTBMVSLBONFMBMVJCBOL bjb4VNCFSEBOBVOUVLQFOHFNCBMJBOLSFEJUOZBCFSBTBM EBSJ NBOGBBU QFOTJVO EFCJUVS ZBOH EJHVOBLBO VOUVL keperluan konsumtif multiguna.

been channeled through bank bjb. The source of funds for SFQBZNFOU PG DSFEJU DPNFT GSPN QFOTJPO CFOFmUT PG UIF debtors used for multipurpose consumptive purposes.

4. bjb Back to Back Loan  1FNCJBZBBO ZBOH EJCFSJLBO PMFI CBOL bjb ZBOH KBNJOBOOZBCFSVQBBHVOBOLBTcash collateral CBJLZBOH berbentuk tabungan, giro, atau deposito.

4. bjb Back to Back Loan  'JOBODJOHQSPWJEFECZCBOLbjb with cash collateral, either in the form of savings, demand deposits, or time deposits.

5. bjb Kredit Pra Purna Bhakti  1FNCJBZBBO VOUVL EFCJUVS CFSQFOHIBTJMBO UFUBQ ZBOH HBKJOZB UFMBI EJTBMVSLBO NFMBMVJ CBOL bjb. Sumber QFOHFNCBMJBOOZBCFSBTBMEBSJHBKJEFCJUVSZBOHEJHVOBLBO untuk keperluan konsumtif multiguna dimana jangka waktu QFNCJBZBBOEBQBUNFMJOUBTJNBTBQFOTJVOEFCJUVS

5. bjb Kredit Pra Purna Bhakti  'JOBODJOHGPSEFCUPSXJUImYFEJODPNFXIPTFTBMBSZIBT been channeled through bank bjb. The source of return JTEFSJWFEGSPNUIFTBMBSZPGUIFEFCUPSXIJDIJTVTFEGPS NVMUJQVSQPTFDPOTVNQUJWFQVSQPTFTXIFSFUIFmOBODJOH period can surpass the debtor’s retirement period.

6. bjb Kredit Guna Bhakti Pola Channeling Pemberian fasilitas kredit kepada debitur dengan sumber QFOEBOBBOTFMVSVIOZBCFSBTBMEBSJQJIBLCBOLbjb ZBOH disalurkan oleh agen, dalam hal ini Lembaga Keuangan Bank (Bank Bengkulu dan Bank Sulselbar). Dana tersebut EJTBMVSLBO LFQBEB QFHBXBJ CFSQFOHIBTJMBO UFUBQ ZBOH QFNCBZBSBO HBKJOZB EJMBLVLBO NFMBMVJ BHFO  EBMBN IBM ini Lembaga Keuangan Bank (Bank Bengkulu dan Bank Sulselbar).

6. bjb Kredit Guna Bhakti Pola Channeling  5IJTJTUIFDSFEJUGBDJMJUZQSPWJEFEGPSEFCUPSXJUITPVSDFTPG GVOEJOHFOUJSFMZDPNJOHGSPNCBOLbjb which is distributed CZBOBHFODZ JOUIJTDBTF#BOL'JOBODJBM*OTUJUVUJPO #BOL Bengkulu and Bank Sulselbar). The funds are channeled UP FNQMPZFFT XJUI mYFEJODPNF XIPTF TBMBSZ QBZNFOU is performed through an agent, in this case the Bank Financial Institutions (Bank Bengkulu and Bank Sulselbar).

1FSVTBIBBO NFOZBEBSJ CBIXB TFQBOKBOH UBIVO   UFSEBQBUTFKVNMBIUBOUBOHBOFLTUFSOBMZBOHIBSVTEJIBEBQJ #FCFSBQBEJBOUBSBOZBBEBMBIUFSLBJUEFOHBOSFUFOTJEFCJUVS  LPOEJTJ FLPOPNJ NBTZBSBLBU ZBOH QBEB NPNFO UFSUFOUV mempengaruhi tingkat konsumsi, serta tingkat persaingan LSFEJUTFKFOJTZBOHTFNBLJOLPNQFUJUJG

5IF DPNQBOZ SFBMJ[FE UIBU UISPVHIPVU   UIFSF XFSF B number of external challenges that must be faced. Some of the challenges were related to the retention of the debtor, the FDPOPNJDDPOEJUJPOPGUIFDPNNVOJUZXIJDIBUUJNFTBGGFDUTUIF level of consumption, as well as the level of competition of the TBNFUZQFPGDSFEJUXIJDICFDBNFJODSFBTJOHMZDPNQFUJUJWF

Menghadapi beragam tantangan tersebut, sejumlah strategi ZBOHNFOKBEJGBLUPSQFOEVLVOHLJOFSKBQFNCJBZBBOLPOTVNFS ZBOHEJKBMBOLBOTFMBNBUBIVO EJBOUBSBOZBBEBMBI

'BDFE XJUI B WBSJFUZ PG DIBMMFOHFT  B OVNCFS PG TUSBUFHJFT which became contributing factors towards the performance PGDPOTVNFSmOBODJOHDPOEVDUFEEVSJOHJODMVEFE

" 1FOZFTVBJBO UJOHLBU TVLV CVOHB bjb Kredit Guna Bhakti dan bjb ,SFEJU 1SB 1VSOB #IBLUJ  TFIJOHHB NFNQVOZBJ EBZBTBJOHZBOHMFCJIUJOHHJ

A. Interest rate adjustments of bjb Kredit Guna Bhakti and bjb Kredit Pra Purna Bhakti, so as to have higher competitiveness.

# %JCFSMBLVLBOOZB QSPHSBNQSPHSBN LIVTVT CBHJ EFCJUVS Kredit Guna Bhakti (KGB) bjb BOUBSBMBJO

B. The implementation of special programs for the debtors of $SFEJU(VOB#IBLUJ ,(# CKC BNPOHPUIFST

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

120

KONSUMER

1. Consumer Loan Loyalty Program Pemberian Voucher CBHJ EFCJUVS ZBOH NFNQFSPMFI fasilitas kredit konsumer bank bjb (bjb KGB, bjb KPPB, dan bjb KPB), baik pengajuan kredit baru maupun pengulangan. 2. Program Member Get Member (MGM) Program pemberian reward CFSVQB JOTFOUJG ZBOH diberikan khusus bagi debitur kredit konsumer bank bjb ZBOH CFSIBTJM NFSFGFSFOTJLBO SFLBO BUBV LPMFHBOZBNFOKBEJEFCJUVSCBSVLSFEJULPOTVNFSCBOL bjb.

 $POTVNFS-PBO-PZBMUZ1SPHSBN Provide Voucher for the debtor who obtains bank bjb DPOTVNFSDSFEJUGBDJMJUZ bjb KGB, bjb KPPB, and bjb KPB), both new credit application and repetition. 2. Program Member Get Member (MGM)  3FXBSE QSPHSBN JO UIF GPSN PG TQFDJBM JODFOUJWFT given to consumer credit debtor of bank bjb who TVDDFTTGVMMZ SFGFS GSJFOET PS DPMMFBHVFT UP CFDPNF new consumer credit debtors of bank bjb.

$ %JCFSMBLVLBOOZB QSPHSBN TVLV CVOHB LIVTVT VOUVL daerah di luar Jawa Barat dan Banten untuk mendorong QPSUPGPMJP,SFEJU,POTVNFSLIVTVTOZBbjb KGB.

C. Provide special interest for areas outside of West Java and Banten to encourage the Consumer Credit portfolio FTQFDJBMMZCKC,(#

D. Diberlakukan struktur khusus Kredit Konsumer untuk XJMBZBI%,*+BLBSUB

% "QQMZTQFDJBMTUSVDUVSFGPSDPOTVNFSDSFEJUJOUIFSFHJPOPG DKI Jakarta.

& .FOEPSPOHQFMBZBOBOZBOHMFCJICBJL

E. Improve services.

KINERJA 2014

2014 PERFORMANCE

4USBUFHJ ZBOH EJKBMBOLBO PMFI CBOL bjb dalam menghadapi TJUVBTJFLTUFSOBMZBOHQFOVIUBOUBOHBO UBNQBLDVLVQFGFLUJG ,JOFSKB LSFEJU LPOTVNFS VOHHVMBO ZBOH EJLFMVBSLBO PMFI 1FSVTBIBBO QBEB VNVNOZB CFSBEB EJ BUBT SBUBSBUB CBOL umum dan BPD.

5IF TUSBUFHJFT QFSGPSNFE CZ CBOL bjb in facing the DIBMMFOHJOHFYUFSOBMDJSDVNTUBODFT TFFNFEQSFUUZFGGFDUJWF 5IFQFSGPSNBODFPGUIF$PNQBOZTGFBUVSFEDPOTVNFSDSFEJU in general was above the average of the performance of commercial banks and BPD.

Berdasarkan pencapaian kredit posisi Desember 2014, produk bank bjb ZBOH NFOKBEJ BOEBMBO BEBMBI bjb Kredit Guna Bhakti dan bjb Kredit Pra Purna Bhakti, serta bjb Purna Bhakti. Berikut ini kinerja berdasarkan produk usaha kredit konsumer.

Based on the position of credit in December 2014, the Bank’s QSPEVDUT XIJDI CFDBNF B NBJOTUBZ BSF bjb Kredit Guna Bhakti and bjb Kredit Pra Purna Bhakti, as well as bjb Purna Bhakti. Below is the performance based on the products of the consumer credit.

Dalam lima tahun terakhir, rata-rata pertumbuhan kredit konsumer bank bjb mencapai 18,83%. Khusus pada tahun 2014, dibandingkan dengan kinerja tahun 2013 QFSUVNCVIBOOZB TFCFTBS    EJ BUBT SBUBSBUB QFOZBMVSBOLSFEJULPOTVNTJCBOLVNVNZBOH EBO#1% ZBOH 

*OUIFMBTUmWFZFBST UIFBWFSBHFHSPXUIPGDPOTVNFSDSFEJUPG bank bjb reached 18.83%. In 2014, compared with the growth JO   HSPXUI SFBDIFE   BCPWF UIF BWFSBHF PG UIF growth of consumer lending in commercial banks and BPD XIJDIXBTSFTQFDUJWFMZBOE

5PUBM LSFEJU LPOTVNFS ZBOH EJTBMVSLBO QBEB UBIVO  NFODBQBJ 3Q  USJMJVO ,POUSJCVTJ UFSCFTBS CFSBTBM EBSJ bjb ,SFEJU (VOB #IBLUJ ZBOH NFODBQBJ   EBSJ UPUBM QFOZBMVSBOLSFEJULPOTVNFS

5PUBM DPOTVNFS MPBOT EJTCVSTFE JO  SFBDIFE 3Q trillion. The largest contribution came from bjb Kredit Guna #IBLUJXIJDISFBDIFEPGUIFUPUBMDPOTVNFSMPBOT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

121 CONSUMER

%BMBN QFOZBMVSBO ,SFEJU ,POTVNFS CBOL bjb selalu mengiringi pertumbuhan volume kredit dengan tetap fokus UFSIBEBQ QFOHFMPMBBO BTFU ZBOH CFSLVBMJUBT )BM JOJ UFSMJIBU EBSJ QPTJTJ LSFEJU CFSNBTBMBI /1- /PO1FSGPSNJOH -PBO  ZBOH NFOHBMBNJ QFOVSVOBO EJCBOEJOH UBIVO TFCFMVNOZB  ZBJUVEBSJ QBEBUBIVONFOKBEJ QBEBUBIVO 2014 atau menurun 0,04%.

In the distribution of the Consumer Credit, bank bjb BMXBZT BDDPNQBOZ UIF HSPXUI PG DSFEJU WPMVNF CZ TUBZJOH GPDVTFE PO UIF RVBMJUZ PG BTTFU NBOBHFNFOU 5IJT DBO CF TFFO GSPN UIFQPTJUJPOPGOPOQFSGPSNJOHMPBOT /1- XIJDIEFDSFBTFE DPNQBSFEUPUIFQSFWJPVTZFBS OBNFMZGSPNJOUP 0.08% in 2014, a decline of 0.04%.

)BMUFSTFCVUNFOVOKVLBOCBIXBEBMBNQFOZBMVSBOLSFEJUZBOH dilakukan oleh bank bjbNFNJMJLJLVBMJUBTZBOHCBJL#FHJUVQVO EFOHBOQFOBOHBOBOUFSIBEBQLSFEJUCFSNBTBMBIOZB

5IJT TIPXT UIBU DSFEJU EJTUSJCVUFE CZ CBOL bjb have good RVBMJUZ MJLFXJTFXJUIUIFIBOEMJOHPGOPOQFSGPSNJOHMPBOT

#FSJLVUJOJQFSLFNCBOHBOQFOZBMVSBOLSFEJULPOTVNFSTFMBNB  MJNB UBIVOUFSBLIJS

Below describes the development of the consumer loan QPSUGPMJPGPS mWF ZFBST

Periode

Volume

Pertumbuhan/Growth

NPL

(Rp Juta/Rp Million)

2010



11,00%

0,12%

2011



20,08%

0,11%

2012



 

0,13%

2013



27,58%

0,10%

2014

33.962.999

16,35%

0,8%

bjb Kredit Guna Bhakti

bjb Kredit Guna Bhakti

bjb ,SFEJU (VOB #IBLUJ ,(#  BEBMBI QFNCJBZBBO ZBOH diberikan oleh bank bjb untuk debitur berpenghasilan tetap ZBOH HBKJOZB EJTBMVSLBO NFMBMVJ CBOL bjb atau perusahaan tempat debitur bekerja berdasarkan perjanjian kerja sama. Adapun sumber pengembalian kredit berasal dari gaji debitur.

bjb$SFEJU(VOB#IBLUJ ,(# UIFmOBODJOHQSPWJEFECZCBOL bjbGPSEFCUPSXJUIGPSmYFEJODPNFXIPTFTBMBSZJTDIBOOFMFE through bank bjb PS UIF DPNQBOZ XIFSF UIF EFCUPS XPSLT CBTFEPOBDPPQFSBUJPOBHSFFNFOU5IFTPVSDFPGSFQBZNFOU PGDSFEJUDPNFTGSPNUIFTBMBSZPGUIFEFCUPS

6OUVL UBIVO   UPUBM ,(# ZBOH EJTBMVSLBO TFCFTBS 3Q USJMJVO%JCBOEJOHLBOUBIVO QFSUVNCVIBOOZB NFODBQBJ %BMBNFNQBUUBIVOUFSBLIJS ZBJUVQFSJPEF 2011-2014, rata-rata pertumbuhan kredit KGB mencapai  

*O   UIF UPUBM BNPVOU PG ,(# EJTCVSTFE XBT 3Q trillion. Compared to 2013, growth reached 15.47%. In the last GPVS ZFBST  OBNFMZ UIF QFSJPE   ,(#T BWFSBHF PG DSFEJUHSPXUISFBDIFE

#FSJLVU JOJ KVNMBI QFOZBMVSBO LSFEJU VOUVL QSPEVL bjb Kredit Guna Bhakti selama lima tahun terakhir.

Below is the amount of bjb Kredit Guna Bhakti distributed EVSJOHUIFQBTUmWFZFBST

3Q+VUB

3Q.JMMJPO

Periode /JMBJ

2010

2011

2012

2013

2014











Period Value

bjb Kredit Pra Purna Bhakti

bjb Kredit Pra Purna Bhakti

Produk bjb Kredit Pra Purna Bhakti (KPPB) ini pertama kali EJQFSLFOBMLBO QBEB 0LUPCFS  3FBMJTBTJ QFOZBMVSBO EBOBOZB QBEB UBIVO UFSTFCVU TFCFTBS 3Q  NJMJBS BUBV   EBSJ UPUBM LSFEJU LPOTVNFS /BNVO QBEB UBIVO   produk ini menunjukkan pertumbuhan paling tinggi dibanding EFOHBOQSPEVLMBJOOZB ZBJUVNFODBQBJ 

bjb ,SFEJU 1SB 1VSOB #IBLUJ ,11#  XBT mSTUMZ JOUSPEVDFE JO 0DUPCFS5IFEJTUSJCVUJPOPGGVOETBNPVOUFEUP3Q CJMMJPO PSPGUIFUPUBMDPOTVNFSMPBOT)PXFWFSJO  this product showed the highest growth compared with other QSPEVDUT OBNFMZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

122

KONSUMER

5PUBM EBOB ZBOH EJTBMVSLBO VOUVL ,11# QBEB UBIVO  NFODBQBJ 3Q  USJMJVO 4FEBOHLBO QBEB UBIVO  TFCFTBS3Q USJMJVO,POUSJCVTJ,11#UFSIBEBQUPUBMLSFEJU LPOTVNFSZBOHEJTBMVSLBOQBEBUBIVONFODBQBJ 

5IFUPUBMGVOETEJTCVSTFEUP,11#JOSFBDIFE3Q USJMMJPO8IFSFBTJOBNPVOUFEUP3QUSJMMJPO,11#T DPOUSJCVUJPOUPUPUBMDPOTVNFSMPBOTJOSFBDIFE

#FSJLVUJOJQFOZBMVSBOEBOBbjb KPPB sejak produk tersebut EJMVODVSLBO

The following table describes the distribution of funds of bjb ,11#TJODFUIFQSPEVDUXBTMBVODIFE

3Q+VUB

Periode /JMBJ

3Q.JMMJPO

2010

2011

2012

2013

2014

-

-





1.453.257

Period Value

bjb Kredit Purna Bhakti

bjb Kredit Purna Bhakti

Produk kredit konsumer bjb Kredit Purna Bhakti (KPB) NFSVQBLBOQFNCJBZBBOZBOHEJCFSJLBOPMFICBOLbjb untuk debitur dengan status pensiunan sendiri atau pensiunan janda/ EVEBZBOHHBKJQFOTJVOOZBUFMBIEJTBMVSLBONFMBMVJCBOLbjb. 4VNCFSEBOBVOUVLQFOHFNCBMJBOLSFEJUOZBCFSBTBMEBSJHBKJ QFOTJVO EFCJUVS ZBOH EJHVOBLBO VOUVL LFQFSMVBO LPOTVNUJG maupun produktif.

bjb ,SFEJU 1VSOB #IBLUJ ,1#  JT UIF #BOLT mOBODJOH UP debtors with the status of retired or retired widow/widower XIPTF QFOTJPO TBMBSZ JT DIBOOFMFE UISPVHI CBOL bjb. The TPVSDF PG GVOET GPS SFQBZNFOU PG UIF DSFEJU DPNFT GSPN UIF QFOTJPO TBMBSZ PG UIF EFCUPS VTFE GPS DPOTVNQUJWF BOE productive purposes.

1BEB UBIVO   UPUBM LSFEJU ZBOH EJLVDVSLBO VOUVL ,1# NFODBQBJ3Q USJMJVOBUBV EBSJUPUBMLSFEJULPOTVNFS ZBOH EJTBMVSLBO PMFI CBOL bjb. Jika dibandingkan dengan UBIVO EBOB,1#ZBOHEJTBMVSLBOUVNCVI BUBV ZBOH UFSCFTBS EJCBOEJOHLBO QFSUVNCVIBO QSPEVL LSFEJU konsumer bank bjbMBJOOZB1FSUVNCVIBOJOJKBVIEJBUBTSBUB rata pertumbuhan kredit konsumer bank umum dan BPD.

*O UPUBMMPBOTEJTCVSTFEGPS,1#SFBDIFE3QUSJMMJPO PSPGUIFUPUBMDPOTVNFSMPBOTFYUFOEFECZCBOLbjb. 8IFODPNQBSFEXJUIUIFZFBS GVOETDIBOOFMFEGPS,1# HSFXCZPSUIFMBSHFTUDPNQBSFEUPUIFHSPXUIPGUIF Bank’s other consumer credit products. This growth is well above the average growth of consumer loans of commercial banks and BPD.

Dalam empat tahun terakhir, rata-rata pertumbuhan QFOZBMVSBOEBOB,1#NFODBQBJ #FSJLVUJOJUPUBMEBOB ZBOHEJTBMVSLBOVOUVL,1#EBMBNMJNBUBIVOUFSBLIJS

*O UIF MBTU GPVS ZFBST  UIF BWFSBHF HSPXUI PG ,1# SFBDIFE #FMPXJTUIFUPUBMGVOETEJTCVSTFEGPS,1#JOUIFMBTU mWFZFBST

3Q+VUB

Periode /JMBJ

3Q.JMMJPO

2010

2011

2012

2013

2014

440.014









Period Value

bjb Back to Back Loan

bjb Back to Back Loan

Produk bjb#BDLUP#BDL-PBO ##- NFSVQBLBOQFNCJBZBBO ZBOHEJCFSJLBOPMFICBOLbjbZBOHKBNJOBOOZBCFSVQBBHVOBO LBTDBTI DPMMBUFSBM  CBJL ZBOH CFSCFOUVL UBCVOHBO  HJSP  BUBVEFQPTJUP1BEBUBIVO UPUBMLSFEJUZBOHEJTBMVSLBO VOUVL ##- NFODBQBJ 3Q  NJMJBS  NFOJOHLBU   EJCBOEJOHLBOUBIVOZBOHTFCFTBS3Q NJMJBS

CKC #BDL UP #BDL -PBO ##-  JT mOBODJOH QSPWJEFE CZ UIF bank bjb guarantee with cash collateral, either in the form of savings, demand deposits, or time deposits. In 2014, total MPBOTGPS##-SFBDIFE3QCJMMJPO BOJODSFBTFPG DPNQBSFE UP UIF ZFBS   XIJDI BNPVOUFE UP 3Q billion.

%BMBN FNQBU UBIVO UFSBLIJS  QFSUVNCVIBO QFOZBMVSBO EBOB ##- SBUBSBUB UBIVOBO NFODBQBJ   ,POUSJCVTJOZB UFSIBEBQ UPUBM LSFEJU LPOTVNFS ZBOH EJTBMVSLBO TFCFTBS  

*O UIF MBTU GPVS ZFBST  UIF BOOVBM BWFSBHF HSPXUI PG ##- SFBDIFE  5IF DPOUSJCVUJPO UP UPUBM DPOTVNFS MPBOT XBT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

123 CONSUMER

#FSJLVU JOJ UPUBM EBOB ZBOH EJTBMVSLBO VOUVL ##- EBMBN MJNB UBIVOUFSBLIJS

The table below describes the total funds disbursed for BBL JOUIFMBTUmWFZFBST

3Q+VUB

Periode /JMBJ

3Q.JMMJPO

2010

2011

2012

2013

2014

52.751





114.045



Period Value

bjb Kredit Abadi Bhakti

bjb Kredit Abadi Bhakti

Produk bjb Kredit Abadi Bhakti (KAB) merupakan fasilitas LSFEJU ZBOH EJCFSJLBO TFDBSB LIVTVT EJCFSJLBO LFQBEB pegawai bank bjb 1BEB UBIVO   UPUBM LSFEJU ZBOH EJTBMVSLBO NFODBQBJ 3Q  NJMJBS %JCBOEJOHLBO UBIVO  ZBOH TFCFTBS 3Q   QFSUVNCVIBOOZB NFODBQBJ 24,08%.

#KC ,SFEJU "CBEJ #IBLUJ ,"#  JT B DSFEJU GBDJMJUZ QSPWJEFE TQFDJmDBMMZUPUIFFNQMPZFFTPGCBOLbjb. In 2014, total loans GPS ,"# SFBDIFE 3Q CJMMJPO $PNQBSFE UP UIF ZFBS  XIJDIBNPVOUFEUP3Q HSPXUISFBDIFE

,POUSJCVTJ,"#UFSIBEBQUPUBMLSFEJULPOTVNFSZBOHEJTBMVSLBO IBOZBTFCFTBS #FSJLVUJOJUPUBMQFOZBMVSBOEBOB,"# dalam lima tahun terakhir.

5IFDPOUSJCVUJPOPG,"#UPUPUBMDPOTVNFSMPBOTXBTPOMZCZ 1.71%. The table below describes the disbursement of KAB in UIFMBTUmWFZFBST

3Q+VUB

Periode /JMBJ

3Q.JMMJPO

2010

2011

2012

2013

2014

15.842









Period Value

bjb Channeling

bjb Channeling

Produk kredit konsumer bjb KGB melalui pola channeling (bjb Channeling) merupakan fasilitas kredit kepada debitur dengan TVNCFSQFOEBOBBOTFMVSVIOZBCFSBTBMEBSJQJIBLCBOLbjb. Dana tersebut disalurkan oleh agen, dalam hal ini Lembaga Keuangan Bank (Bank Bengkulu dan Bank Sulselbar) kepada QFHBXBJ CFSQFOHIBTJMBO UFUBQ ZBOH QFNCBZBSBO HBKJOZB dilakukan melalui agen, dalam hal ini Lembaga Keuangan Bank (Bank Bengkulu dan Bank Sulselbar).

bank bjb’s KGB consumer credit product through channeling CKC $IBOOFMJOH  JT B DSFEJU GBDJMJUZ QSPWJEFE UP EFCUPST XJUI TPVSDFT PG GVOEJOH FOUJSFMZ GSPN CBOL bjb. The fund JT EJTUSJCVUFE CZ BO BHFOU JO UIJT DBTF UIF #BOL 'JOBODJBM *OTUJUVUJPOT #BOL#FOHLVMVBOE#BOL4VMTFMCBS UPFNQMPZFFT XJUI mYFEJODPNF XIPTF TBMBSZ QBZNFOUT BSF QFSGPSNFE through an agent, in this case the Bank Financial Institutions (Bank Bengkulu and Bank Sulselbar).

1FOZBMVSBO bjb KGB melalui pola channeling mengalami QFOVSVOBOEBSJUBIVOLFUBIVO)BMJOJEJTFCBCLBOQMBGPObjb KGB pola channelingUFMBIUFSTBMVSLBOTFMVSVIOZB TFIJOHHB pengulangan kredit (top up) debitur tidak lagi menggunakan dana bank bjb, melainkan dana Agen Channeling /BNVO saat ini telah disetujui penambahan bjb Channeling dengan QMBGPOTFCFTBS3QNJMJBSLFQBEB#BOL#FOHLVMV

Disbursement of bjb KGB through channeling decreased from ZFBSUPZFBS5IJTJTCFDBVTFUIFDFJMJOHPGCKCDIBOOFMJOHIBT CFFOEJTCVSTFEFOUJSFMZ UIVTUIFSFQFUJUJPOPGDSFEJU UPQVQ  of the debtor no longer uses the Bank’s funds, but the funds of UIFDIBOOFMJOHBHFOU)PXFWFS DVSSFOUMZUIFBEEJUJPOPGCKC $IBOOFMJOHDFJMJOHPG3QCJMMJPOUP#BOLPG#FOHLVMVIBT been approved.

Pada tahun 2014, total kredit bjb ChannelingZBOHEJTBMVSLBO NFODBQBJ 3Q  NJMJBS +BVI MFCJI SFOEBI EJCBOEJOHLBO UBIVOZBOHTFCFTBS3Q NJMJBS NFOHJOHBUCBUBT NBLTJNVNEBOBZBOHEJTFEJBLBOCBOLbjb sudah mencapai maksimum atau mengalami keterbatasan ekspansi.

*O   UPUBM CKC $IBOOFMJOH EJTCVSTFE SFBDIFE 3Q CJMMJPO NVDIMPXFSUIBOJO XIJDIBNPVOUFEUP3Q CJMMJPO DPOTJEFSJOHUIFNBYJNVNMJNJUPGGVOETQSPWJEFECZUIF Bank has reached the maximum or has limited expansion.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

124

KONSUMER

#FSJLVUJOJQFOZBMVSBOLSFEJUbjb Channeling dalam lima tahun terakhir.

The following table describes the disbursement of bjb $IBOOFMJOHJOUIFMBTUmWFZFBST

3Q+VUB

Periode /JMBJ

3Q.JMMJPO

2010

2011

2012

2013

2014

Period

83.474







7.011

Value

Kredit Konsumer Lainnya

Other Consumer Loans

,SFEJU LPOTVNFS MBJOOZB  ZBJUV bjb Kredit Graha Bhakti dan ,SFEJU8JSBVTBIB#IBLUJTVEBIUJEBLEJQBTBSLBOMBHJ)JOHHB BLIJS UBIVO   IBOZB NFOZJTBLBO outstanding (baki debet). Total outstanding LSFEJU MBJOOZB NFODBQBJ 3Q  NJMJBS UVSVO EJCBOEJOHLBOUBIVOZBOHTFCFTBS 3Q NJMJBS

0UIFSDPOTVNFSMPBOT OBNFMZ,SFEJU(SBIB#IBLUJBOE,SFEJU 8JSBVTBIB #IBLUJ BSF OP MPOHFS NBSLFUFE BOE CZ UIF FOE PG   MFGU POMZ BO PVUTUBOEJOH EFCJU 5PUBM PVUTUBOEJOH PG PUIFS MPBOT SFBDIFE 3Q CJMMJPO  B EFDSFBTF PG  DPNQBSFE UP UIF ZFBS   XIJDI BNPVOUFE UP 3Q billion.

Berikut ini total outstanding LSFEJU LPOTVNFS MBJOOZB EBMBN lima tahun terakhir.

#FMPXJTUIFUPUBMPVUTUBOEJOHDPOTVNFSDSFEJUJOUIFMBTUmWF ZFBST

3Q+VUB

3Q.JMMJPO

Periode

2010

2011

2012

2013

2014

/JMBJ





13.545





Period Value

RENCANA 2015

2015 PLAN

%FOHBOSBUBSBUBQFSUVNCVIBOLSFEJU EBMBNMJNBUBIVO terakhir, bank bjb optimistis pada tahun 2015 mampu meraih QFSUVNCVIBO  EBSJ TJTJ QFOZBMVSBO LSFEJU LPOTVNFS Apalagi, kondisi perekonomian juga diperkirakan lebih dari EBSJTJUVBTJUBIVO ZBOHEJBOUBSBOZBEJJOEJLBTJLBOPMFI UBSHFU 1FNFSJOUBI TFQFSUJ UFSUVBOH QBEB "1#/ 1FSVCBIBO 2015.

8JUI BO BWFSBHF PG  DSFEJU HSPXUI JO UIF QBTU mWF ZFBST  CBOL bjb is optimistic that in 2015 the Bank will be able to achieve 17% growth in the consumer loan portfolio. Moreover, the economic condition is expected to be better UIBO UIF TJUVBUJPO JO   TPNF PG XIJDI BSF JOEJDBUFE CZ the Government’s targets as set out in the 2015 revised State Budget.

Disebutkan, target pertumbuhan tahun 2015 sebesar 5,7%, MFCJIUJOHHJEJCBOEJOHLBOEFOHBOSFBMJTBTJUBIVOZBOH   4FEBOHLBO JOnBTJ EJIBSBQLBO CJTB    KVHB MFCJI rendah dari realisasi 2014.

The growth target in 2013 is 5.7%, higher than the realization JO  XIJDI BNPVOUFE UP  .FBOXIJMF JOnBUJPO JT expected to be 5.0%, also lower than the realization in 2014.

%BSJ TJTJ JOUFSOBM  NFOHJOHBU QFOUJOHOZB QPTJTJ LSFEJU konsumer, bank bjbTVEBINFOZJBQLBOSFODBOBEBOTUSBUFHJ demi menjaga pertumbuhan berkelanjutan dan berkualitas. 3FODBOB TUSBUFHJ FLTQBOTJ LSFEJU ZBOH BLBO EJMBLVLBO EJ UBIVO EJBOUBSBOZBBEBMBITFCBHBJCFSJLVU

*OUFSOBMMZ  DPOTJEFSJOH UIF JNQPSUBODF PG UIF QPTJUJPO PG consumer credit, bank bjb has prepared plans and strategies JOPSEFSUPNBJOUBJOTVTUBJOBCMFHSPXUIXJUIRVBMJUZ5IFDSFEJU FYQBOTJPOTUSBUFHJDQMBOUPCFDPOEVDUFEJO JODMVEFT

A. Product dan Pricing  .FNJMJLJQSPEVLZBOHTFTVBJEFOHBOLFCVUVIBOOBTBCBI TBOHBUQFOUJOHTFCBHBJVQBZBNFOJOHLBULBOLFNBNQVBO NFOZBMVSLBO EBOB EJ CJEBOH LPOTVNFS #FHJUV KVHB

A. Product and Pricing Possessing products that meet the needs of the customers JT WFSZ JNQPSUBOU BT UIF FGGPSUT UP JNQSPWF UIF BCJMJUZ UP EFMJWFS DPOTVNFS GVOET 4JNJMBSMZ XJUI UIF BCJMJUZ UP PGGFS

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

125 CONSUMER

EFOHBO LFNBNQVBO NFOBXBSLBO TVLV CVOHB ZBOH LPNQFUJUJG TFQBOKBOHUJEBLNFMBOHHBSBUVSBOZBOHTVEBI ditetapkan oleh regulator. Untuk itu, pada tahun 2015 bank bjb akan melakukan sejumlah hal di bidang produk EBOTVLVCVOHBJOJ ZBOHEJBOUBSBOZBBEBMBI • Melakukan review kebijakan Kredit Konsumer. • Pemberlakuan struktur kredit khusus . • Melakukan review tingkat suku bunga khusus untuk daerah di luar provinsi Jawa Barat dan Provinsi Banten ZBJUV MFCJISFOEBIEBSJ#1%TFUFNQBU

competitive interest rates, provided that the interest rates EPOPUWJPMBUFUIFSVMFTTFUCZUIFSFHVMBUPS5PUIBUFOE  in 2015 bank bjb will perform a number of initiatives in the mFMEPGQSPEVDUTBOEJOUFSFTUSBUFT XIJDIJODMVEF t 3FWJFXUIF$POTVNFS$SFEJU1PMJDZ t "QQMZTQFDJBMDSFEJUTUSVDUVSF t 3FWJFX TQFDJmD JOUFSFTU SBUF GPS UIF BSFB PVUTJEF UIF QSPWJODFPG8FTU+BWBBOE#BOUFOOBNFMZMPXFS than the local BPD.

B. Promosi Meningkatkan awareness publik terhadap produk QFNCJBZBBOEJTFHNFOLPOTVNTJBLBOEJMBLVLBONFMBMVJ CFSBHBN TBMVSBO LPNVOJLBTJ BHBS EBZB KBOHLBV QSPEVL kredit konsumer bank bjb semakin luas. Beberapa strategi ZBOHUFMBIEJTJBQLBOEJCJEBOHQSPNPTJ EJBOUBSBOZB  1FMBLTBOBBO QSPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG dan berkesinambungan seperti pembuatan marketing tools untuk Kredit Konsumer serta pemasaran melalui media publikasi.  %JMBLTBOBLBOOZB QSPHSBN reward (Member Get Member  ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb KGB bjb Kredit Pra Purna Bhakti dan debitur bjb ,SFEJU 1VSOB #IBLUJ ZBOH CFSIBTJM NFNCBXB SFLBO BUBV LPMFHBOZB NFOKBEJ EFCJUVS CBSV EBO EFCJUVS mengulang bank bjb. - Pelaksanaan program Consumer Loan Loyalty 1SPHSBN TBMBI TBUVOZB EFOHBO QFNCFSJBO voucher LFQBEBEFCJUVSCBSVEBOEFCJUVSZBOHNFMBLVLBOtop up. - Gathering kepada Debitur sebagai bentuk promosi below the line, disesuaikan dengan kultural daerah dan minat para debitur  1SPHSBN)BEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV bank bjb.

B. Promotion  *ODSFBTJOHQVCMJDBXBSFOFTTPGUIFmOBODJOHQSPEVDUTJO UIFDPOTVNFSTFHNFOUXJMMCFQFSGPSNFEUISPVHIBWBSJFUZ of communication channels so that the Bank’s consumer DSFEJU QSPEVDUT XJMM CF JODSFBTJOHMZ XJEFTQSFBE 4FWFSBM TUSBUFHJFTQSFQBSFEJOUIFmFMEPGQSPNPUJPOJODMVEF - Implement a more effective and sustainable marketing campaign such as the creation of marketing tools for Consumer Credit and marketing through publication media. - Implement rewards program (Member Get Member) QSPWJEFE TQFDJmDBMMZ GPS UIF EFCUPST PG bjb KGB bjb Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti who manage to invite friends or colleagues to become new debtors and the repeating debtor of bank bjb.  *NQMFNFOU UIF $POTVNFS -PBO -PZBMUZ 1SPHSBN CZ giving vouchers to new debtor sand the debtors performing top up. - Gathering with the debtors as a form of promotion below the line, adapted to local culture and interests of the debtor  5IF%JSFDU3FXBSE1SPHSBNGPSEFCUPSTXIPNBOBHF to invite friends or colleagues to become new debtors of bank bjb.

C. Layanan  .FNCFSJLBO MBZBOBO UFSCBJL CBHJ OBTBCBI  LIVTVTOZB pada segmen kredit konsumer sudah menjadi komitmen bank bjb 4FMBJO JUV  QFOJOHLBUBO LVBMJUBT MBZBOBO KVHB NFOKBEJCBHJBOEBSJTUSBUFHJNFOHIBEBQJQFSTBJOHBOZBOH TFNBLJOLFUBU#FCFSBQBJOJTJBUJGZBOHBLBOEJKBMBOLBO EJ BOUBSBOZB

C. Services The Bank will provide the best services for customers, FTQFDJBMMZ JO UIF TFHNFOU PG DPOTVNFS DSFEJU UIBU has become the Bank’s commitment. In addition, the JNQSPWFNFOUPGUIFRVBMJUZPGTFSWJDFTJTBMTPQBSUPGUIF TUSBUFHZUPGBDFUIFJODSFBTJOHMZmFSDFDPNQFUJUJPO4PNF PGUIFJOJUJBUJWFTUIBUXJMMCFJNQMFNFOUFE JODMVEF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

126

KONSUMER

•

Pengembangan sistem aplikasi Webscoring & Analisa Kredit Konsumer. Standardisasi formulir aplikasi pengajuan Kredit Konsumer. Optimalisasi Service Level Agreement (SLA) di Kantor Cabang.

t 5IF %FWFMPQNFOU PG UIF BQQMJDBUJPO TZTUFN 8FC TDPSJOH"OBMZTJTPG$POTVNFS$SFEJU • Standardization of Consumer Credit application form • Optimizing Service Level Agreement (SLA) in the #SBODI0GmDFT

D. Penjualan Dari sisi penjualan, bank bjb akan melakukan strategi PQUJNBMJTBTJ  EJ BOUBSBOZB NFMBMVJ LFSKB TBNB EFOHBO CBOL MBJO EBMBN QFOZBMVSBO EBOB LPOTVNFS 6OUVL JUV  1FSVTBIBBO UFMBI NFOZFUVKVJ QFOBNCBIBO EBOB VOUVL kepentingan tersebut, mengingat batas ketersediaan EBOB ZBOH BEB TVEBI NFODBQBJ NBLTJNVN 4FKVNMBI TUSBUFHJZBOHEJSFODBOBLBOQBEBUBIVO EJBOUBSBOZB BEBMBI - Pemasaran secara proaktif dan berkesinambungan. - Optimalisasi Pemasaran kepada Pensiunan dan calon Pensiunan.  1FOZBMVSBO LSFEJU NFMBMVJ QPMB channeling kepada BPD Bengkulu - #PPLJOH0GmDF Kerja sama Asset Buy (kredit Multiguna/ bjb,(# EBSJ • Bank Sulteng • Bank Papua  "MJBOTJ TUSBUFHJT ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ lembaga pengelola dana pensiunan.  .FNCVLB QFMVBOH QPUFOTJ QBTBS  TBMBI TBUVOZB NFMBLVLBO1,4EFOHBO15104EBOJOTUBOTJMBJOOZB - Optimalisasi potensi debitur Top Up (menawarkan LFNCBMJ LFQBEB EFCJUVS ZBOH UFMBI NFOHBMBNJ QFOVSVOBO CBLJ EFCFU  EBSJ QMBGPO BXBM EBO EFCJUVS EFOHBO KBOHLB XBLUV LSFEJU ZBOH BLBO KBUVI tempo).

D. Sales In terms of sales, bank bjb will perform optimization strategies, including through cooperation with other banks in the distribution of consumer funds. To that end, the $PNQBOZIBTBHSFFEUPJODSFBTFGVOEJOHGPSUIJTQVSQPTF  HJWFO UIF MJNJU PG UIF FYJTUJOH BWBJMBCJMJUZ PG GVOET IBT reached the maximum. The strategies planned in 2015, BNPOHPUIFSTBSF  .BSLFUQSPBDUJWFMZBOEDPOUJOVPVTMZ  0QUJNJ[F .BSLFUJOH GPS 1FOTJPOFST BOE 3FUJSFE candidates. - Lending through channeling to BPD Bengkulu  #PPLJOH0GmDF "TTFU#VZ$PPQFSBUJPO .VMUJQVSQPTF DSFEJUCKC,(# PG • Bank Sulteng • Bank Papua - More intensive strategic alliance with institutions/ pension fund management institutions - Opening up the market potential, one of which performed cooperation agreement with PT POS and other agencies - Optimize potential Top Up debtors (offer back to debtors who have experienced a decrease in the PVUTUBOEJOHEFCJUPGPGUIFJOJUJBMMJNJUBOEEFCUPST XJUIVQDPNJOHDSFEJUNBUVSJUZ 

• •

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

127 CONSUMER

bank bjb Annual Report 2014

128

bjb PRECIOUS bjb PRECIOUS

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

129 BJB PRECIOUS

bjb 1SFDJPVT NFSVQBLBO MBZBOBO ZBOH CFSTJGBU FLTLMVTJG dan personal bagi pribadi-pribadi istimewa (nasabah QFSTFPSBOHBO  ZBOH NFNJMJLJ TJNQBOBO QBEB CBOL bjb dalam jumlah tertentu. bjb Precious meletakkan prinsipQSJOTJQEBOGBMTBGBIiZBOHTBOHBUCFSIBSHBwTFCBHBJGPOEBTJ EBMBNNFXVKVELBOUVKVBOMBZBOBOFLTLMVTJGQFSCBOLBOCBHJ nasabah prima. Yakni melalui peningkatan kredibilitas dan eksklusivitas, seperti konsep Keramahan, Kemudahan, dan ,FOZBNBOBO

bjb Precious is a service that is exclusive and personalized for special persons (individual customers) with certain amount of deposits in bank bjb. bjb Precious places the principles BOE QIJMPTPQIZ PG iWBMVBCMFw BT UIF GPVOEBUJPO GPS SFBMJ[JOH FYDMVTJWF CBOLJOH TFSWJDFT GPS QSJNF DVTUPNFST  OBNFMZ UISPVHI JODSFBTFE DSFEJCJMJUZ BOE FYDMVTJWJUZ  TVDI BT UIF DPODFQUPGIPTQJUBMJUZ &BTF BOE$POWFOJFODF

-BZBOBO bjb 1SFDJPVT NFSVQBLBO MBZBOBO UFSCBJL ZBOH EJCFSJLBOLFQBEBQSJCBEJQSJCBEJJTUJNFXBZBOHNFNCVUVILBO QFMBZBOBO NBLTJNBM CBJL EBSJ TFHJ LFSBNBIBO  LFNVEBIBO  LFOZBNBOBO  LFBNBOBO EBO UFSQFSDBZB /BTBCBI bjb 1SFDJPVT ZBOH EJTFCVU EFOHBO OBTBCBI QSJNB QFSPSBOHBO ()JHI /FU 8PSUI *OEJWJEVBMT), harus memiliki minimal dana TFCFTBS3QZBOHEJUFNQBULBOEJCBOLbjb.

The services of bjb precious are the best services given to special individuals requiring maximum services both in terms PG IPTQJUBMJUZ  DPOWFOJFODF  DPNGPSU  TBGFUZ BOE SFMJBCJMJUZ The customers of bjb precious called the prime individual DVTUPNFST )JHI/FUXPSUI*OEJWJEVBMT NVTUIBWFBNJOJNVN GVOEPG3Q  QMBDFEJOUIFCBOLbjb.

1BEBBXBMOZB QSPEVLUFSTFCVUCFSOBNBbjb Prioritas. Setelah dilakukan rebrandingQBEB%FTFNCFS OBNBMBZBOBO tersebut berubah menjadi “bjb Precious”. Rebranding itu bertujuan untuk menjadikan bjb1SFDJPVTTFCBHBJNFSFLZBOH LVBU EJ NBUB NBTZBSBLBU  TFLBMJHVT NFOFHBTLBO LSFEJCJMJUBT EBOFLTLMVTJWJUBTMBZBOBOOZB

*OJUJBMMZ  UIF QSPEVDU XBT OBNFE bjb Prioritas. After the rebranding on December 12, 2012, the name of the service was changed to “bjb Precious”. The rebranding aimed to make bjb1SFDJPVTBTUSPOHCSBOEJOUIFFZFTPGDVTUPNFST  BTXFMMBTBGmSNDSFEJCJMJUZBOEFYDMVTJWJUZPGJUTTFSWJDFT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

130

bjb PRECIOUS

Melalui kebijakan tersebut, diharapkan dapat meningkatkan customer loyalty  TFSUB NFOBNCBI OJMBJ EBO NFNJMJLJ EBZB TBJOH UFSIBEBQ MBZBOBO TFKFOJT ZBOH EJNJMJLJ PMFI QBSB pesaing. Untuk meningkatkan kinerja produk, bank bjb telah melakukan sejumlah program menarik agar dapat mendorong peningkatan jumlah nasabah.

5ISPVHI UIJT QPMJDZ  UIF #BOL FYQFDUT UP JODSFBTF DVTUPNFS MPZBMUZ  BOE JODSFBTF UIF WBMVF BOE DPNQFUJUJWFOFTT UP UIF TBNFLJOEPGTFSWJDFTPXOFECZUIFDPNQFUJUPST5PJNQSPWF the performance of the product, bank bjb conducted a number of interesting programs in to encourage the increase in the number of customers.

STRATEGI

STRATEGY

4USBUFHJ ZBOH EJJNQMFNFOUBTJLBO TFQBOKBOH UBIVO  dalam rangka mendukung kinerja bjb1SFDJPVTBEBMBI

The strategies implemented throughout 2014 in order to support the performance of bjb1SFDJPVTBSF

a. Mengadakan gatheringCBJLZBOHCFSTJGBUBLVJTJTJNBVQVO CFSTJGBU BUFOTJ VOUVL NFOJOHLBULBO MPZBMJUBT BOHHPUB bjb Precious.

B )FMEHBUIFSJOHTFJUIFSUPBDRVJSFPSUPQSPWJEFBUUFOUJPOUP JODSFBTFUIFMPZBMUZPGUIFNFNCFSTPGbjb Precious.

b. Menambah kerja sama dengan pihak ketiga untuk meningkatkan hak istimewa (privilege) kepada member bjb Precious.

b. Establish partnerships with third parties in order to improve the privileges for the members of bjb Precious.

D .FOJOHLBULBO LVBMJUBT MBZBOBO EFOHBO NFNCFOBIJ EBO melakukan standardisasi gerai bjb Precious.

D *NQSPWF UIF RVBMJUZ PG TFSWJDFT CZ JNQSPWJOH BOE standardizing bjb Precious outlets.

E .FOHHBMJQPUFOTJEBOBEJCFCFSBQBXJMBZBIUFSUFOUV ZBOH belum terdapat gerai bjb Precious dengan penempatan PIC (Person In Charge) marketing bjb Precious.

d. Explore the potential of funds in certain regions with no bjb Precious outlets with the placement of PIC (Person in Charge) to market bjb Precious.

d. Melakukan peningkatan SDM bjb 1SFDJPVT LIVTVTOZB dalam hal penambahan kuantitas serta peningkatan kualitas SDM bjb Precious.

F *NQSPWF UIF )3 PG bjb 1SFDJPVT QBSUJDVMBSMZ JO UFSNT PG UIF BEEJUJPO PG RVBOUJUZ BT XFMM BT bjb Precious human SFTPVSDFTRVBMJUZJNQSPWFNFOU

Keunggulan Layanan

Service Excellence

4FCBHBJ MBZBOBO QSJNB  OBTBCBI bjb Precious berhak NFOEBQBULBO MBZBOBO UFSCBJL EBO FLTLMVTJG 4FKVNMBI IBM ZBOH EJCFSJLBO PMFI 1FSVTBIBBO UFSIBEBQ OBTBCBI MBZBOBO FLTLMVTJGJOJ EJBOUBSBOZB • Memberikan Kemudahan bjb Precious sangat memahami kesibukan dan CFSIBSHBOZB  XBLUV OBTBCBI 6OUVL JUV  bjb Precious NFOZFEJBLBOCFSCBHBJLFNVEBIBOCBHJOBTBCBIEBMBN NFMBLTBOBLBO USBOTBLTJ QFSCBOLBO 4FQFSUJ QFMBZBOBO transaksi perbankan secara personal dari bjb 1SFDJPVT save deposit boxTFSUBCFSBHBNLFNVEBIBOMBJOOZB • Keramahan Keramahan dan ketulusan adalah sikap utama dalam NFMBZBOJ  OBTBCBI TFCBHBJ NFNCFS bjb Precious. bjb Precious siap membantu menangani segala urusan perbankan Anda secara profesional.

As a prime service, the customers of bjb Precious deserve UIFCFTUBOEFYDMVTJWFTFSWJDFT5IF$PNQBOZBNPOHPUIFST provides the following for the customers of this exclusive TFSWJDF • Ease bjb1SFDJPVTEFFQMZVOEFSTUBOETUIFDVTUPNFSTCVTZOFTT the value of time for the customers. To that end, bjb 1SFDJPVTQSPWJEFTDPOWFOJFODFGPSUIFDVTUPNFSTUPDBSSZ out banking transactions, such as the personal banking services from bjb 1SFDJPVT TBWF EFQPTJU CPY BOE B WBSJFUZPGPUIFSDPOWFOJFODFT t )PTQJUBMJUZ  'SJFOEMJOFTT BOE TJODFSJUZ JT UIF NBJO BUUJUVEF JO TFSWJOH the members of bjb Precious. bjb1SFDJPVTJTSFBEZUPIFMQ IBOEMFBMMZPVSCBOLJOHBGGBJSTQSPGFTTJPOBMMZ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

131 BJB PRECIOUS

t ,FOZBNBOBO  %FNJNFOKBHBLFOZBNBOBOEBOprivacy setiap transaksi ZBOH  EJMBLVLBO  NBLB TFUJBQ OBTBCBI BLBO EJMBZBOJ EJ SVBOHBO ZBOH EJEFTBJO LIVTVT TFCBHBJ LPNJUNFO VOUVL TFOBOUJBTBNFNCFSJLBOZBOHUFSCBJLVOUVL"OEB • Fasilitas pemakaian ruang pertemuan. • Airport lounge  GBTJMJUBT SVBOH UVOHHV EJ CBOEBSB  IBOZB dengan menunjukan kartu keanggotaan bjb Precious. • Travel arrangement. t /BTBCBIUJEBLQFSMVBOUSFVOUVLCFSUSBOTBLTJ • Customer gathering.

• 

KINERJA 2014

2014 PERFORMANCE

Dari sisi operasional, saat ini bjb Precious sudah memiliki 11 HFSBJ VOUVL NFNCFSJLBO QFMBZBOBO TFDBSB PQUJNBM LFQBEB para nasabah. Adapun lokasi gerai bjb1SFDJPVTZBOHTBBU JOJCFSPQFSBTJBEBMBI

'SPN UIF PQFSBUJPOBM TJEF  DVSSFOUMZ bjb Precious has 11 outlets to provide optimal services to its customers. As for the location of the current bjb1SFDJPVTPVUMFUTBSF

a. b. c. d. e. f. g. h. i. j. k.

a. b. c. d. e. f. g. h. i. j. k.

bjb Precious Bandung bjb1SFDJPVT3BTVOB4BJE bjb Precious Serang bjb Precious Cirebon bjb1SFDJPVT5BTJLNBMBZB bjb Precious Bogor bjb Precious Bekasi bjb Precious Kelapa Gading bjb Precious Tangerang bjb Precious Semarang bjb1SFDJPVT4VSBCBZB

Convenience *O PSEFS UP NBJOUBJO UIF DPNGPSU BOE QSJWBDZ PG FWFSZ USBOTBDUJPO NBEF  FWFSZ DVTUPNFS XJMM CF TFSWFE JO B TQFDJBMMZ EFTJHOFE SPPN BT B DPNNJUNFOU UP BMXBZT QSPWJEFUIFCFTUGPSZPV t 5IF6TFPG.FFUJOH3PPN • Airport lounge, the provision of waiting room in the airport, DVTUPNFSTNBZFOUFSBOEVTFUIFSPPNPOMZCZTIPXJOHB bjb Precious member card. • Travel arrangement. • Customers do not need to queue to perform transactions. • Customer gathering.

bjb Precious Bandung bjb1SFDJPVT3BTVOB4BJE bjb Precious Serang bjb Precious Cirebon bjb1SFDJPVT5BTJLNBMBZB bjb Precious Bogor bjb Precious Bekasi bjb Precious Kelapa Gading bjb Precious Tangerang bjb Precious Semarang bjb1SFDJPVT4VSBCBZB

Selain itu, melalui kartu keanggotaan (member), bjb Precious sudah dapat digunakan di lebih dari 1.138 ATM bank bjb,  "5. #FSTBNB  EBO  13*." "5. EJ TFMVSVI *OEPOFTJB)JOHHBUBIVO KVNMBIOBTBCBIbjb Precious NFODBQBJ  OBTBCBI BUBV NFOHBMBNJ QFSUVNCVIBO   EJCBOEJOHLBO UBIVO  ZBOH TFCBOZBL  nasabah.

"EEJUJPOBMMZ UIFCKC1SFDJPVTNFNCFSTIJQDBSEDBOBMSFBEZ be used in more than 1,138 bank bjb "5.    "5. #FSTBNB BOE   13*." "5. BDSPTT *OEPOFTJB 6OUJM 2014, the number of bjb 1SFDJPVT DVTUPNFST SFBDIFE   DVTUPNFSTPSHSFXDPNQBSFEUPUIFZFBSXIJDI amounted to 3,402 customers.

Dari sisi komposisi, jumlah nasabah terbesar berasal dari #BOEVOH  ZBJUV NFODBQBJ   EFOHBO KVNMBI  OBTBCBI +VNMBI UFSCFTBS LFEVB EBSJ #PHPS ZBOH BEB  nasabah atau 10,05% dari total nasabah bjb Precious.

In terms of composition, most of the customers come from #BOEVOH  XIJDI SFBDIFE  PS   DVTUPNFST 5IF TFDPOE MBSHFTU DPNF GSPN #PHPS  OBNFMZ  DVTUPNFST PS 10.05% of the total bjb Precious customers.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

132

bjb PRECIOUS

3BUBSBUBQFSUVNCVIBOUBIVOBOOBTBCBIbjb Precious sejak tahun 2010 hingga tahun 2014 mencapai 40,31%. Berikut ini tabel tentang perkembangan jumlah nasabah dalam lima tahun terakhir.

The average annual growth bjb Precious customers since 2010 until 2014 reached 40.31%. Below is the table of UIFEFWFMPQNFOUPGUIFOVNCFSPGDVTUPNFSTJOUIFQBTUmWF ZFBST

3QNJMJBS3QCJMMJPO)

OBP Bandung

2010 

2011 823

2012 1045

2013 1232

2014 1,484

3BTVOBTBJE

227

115





345

Serang

144

180



307

353

Cirebon



133



223

304

5BTJLNBMBZB

53

85

121





Bogor

154

181





418

Bekasi



104

131



207

Kelapa Gading



147

208

247

Tangerang

72

127

200



Semarang

83



104

112

4VSBCBZB Total

1.259,00

113

151



232

1.986,00

2.636,00

3.402,00

4.159

4FEBOHLBO OPNJOBM EBOB ZBOH EJLFMPMB QBEB UBIVO  TFCFTBS 3Q  USJMJVO UVNCVI   EJCBOEJOHLBO UBIVO  ZBOH 3Q  USJMJVO #FSEBTBSLBO LJOFSKB MJNB UBIVO UFSBLIJS  ZBJUV QFSJPEF   SBUBSBUB QFSUVNCVIBO EBOB ZBOH EJLFMPMB TFDBSB UBIVOBO TFCFTBS 37,13% per tahun.

Meanwhile, the nominal of funds managed in 2014 BNPVOUFEUP3Q USJMMJPOPSHSFXCZDPNQBSFE UP UIF ZFBS  XIJDI BNPVOUFE UP 3Q  USJMMJPO #BTFEPOUIFQFSGPSNBODFXJUIJOUIFMBTUmWFZFBST OBNFMZ in the period of 2010-2014, the average growth of the funds NBOBHFEPOBOBOOVBMCBTJTXBTQFSZFBS

4FCBHJBO CFTBS EBOB ZBOH EJLFMPMB CFSBTBM EBSJ OBTBCBI #BOEVOH ZBJUVEFOHBOLPOUSJCVTJ EBSJTFMVSVIEBOB kelolaan bjb1SFDJPVT)BMJOJTFKBMBOEFOHBOKVNMBIOBTBCBI ZBOHUFSCBOZBLKVHBCFSBTBMEBSJLPUBUFSTFCVU

Most of the funds managed were derived from the customers GSPN #BOEVOH  OBNFMZ XJUI B DPOUSJCVUJPO PG  PG UIF UPUBMGVOETNBOBHFECZbjb Precious. This is in line with the fact that most of the customers also come from Bandung.

Berikut ini dana kelolaan bjb Precious dalam lima tahun terakhir.

5IFUBCMFCFMPXTIPXTUIFGVOETNBOBHFECZbjb Precious in UIFQBTUmWFZFBST

3QNJMJBS3QCJMMJPO)

OBP

2010

2011

2012

2013

2014

Bandung



1.074.773







3BTVOBTBJE





238.807

205.745

271.744

Serang

183.723

251.573





258.142

Cirebon

108.234

142.550

187.870



257.575





113.755





Bogor



215.728

225.047





Bekasi

82.155

114.114















Tangerang







223.183

Semarang



45.823

41.327



4VSBCBZB









2.602.309

3.017.415

3.161.721

3.367.682

5BTJLNBMBZB

Kelapa Gading

Total

bank bjb Laporan Tahunan 2014

1.533.832

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

133 BJB PRECIOUS

Khusus untuk periode 2013-2014, penjualan bjb Precious difokuskan kepada penjualan produk-produk wealth management)BMJUVEJCVLUJLBOEFOHBOQFSUVNCVIBO produk wealth management ZBOH CBJL  TFQFSUJ EJQFSMJIBULBO pada tabel di bawah ini.

&TQFDJBMMZGPSUIFQFSJPE bjb Precious sales were focused on the sales of wealth management products. This XBTQSPWFOCZUIFTJHOJmDBOUHSPXUIPGXFBMUINBOBHFNFOU products as shown in the table below.

3Q+VUB

Tahun/ Year

AUM Reksa Dana/ AUM Mutual Fund

FYP Bancassurance FYP Bancassurance

2012





2013





2014



21.005

3QNJMMJPO

RENCANA 2015

2015 PLAN

%BMBNSBOHLBNFNCVBUMBZBOBObjb Precious semakin optimal dan memiliki positioningZBOHLVBUEJNBTZBSBLBU TFSUBVOUVL NFOJOHLBULBOQFSTBJOHBOEFOHBOMBZBOBOQSJPSJUBTCBOLMBJO  maka bjb Precious akan melakukan beberapa inisiatif sebagai CFSJLVU • Memenuhi kebutuhan SDM bjb Precious baik dari segi kuantitas maupun kualitas. • Melakukan penambahan kerja sama pada Merchant, Medical Arrangement, dan Education Arrangement TFCBHBJCFOUVLQFNCFSJBOGBTJMJUBTZBOHFLTLMVTJGLFQBEB member bjb Precious. • Melakukan renovasi di beberapa outlet bjb Precious sebagai bentuk standardisasi dalam memberikan LFOZBNBOBO UFSIBEBQ NFNCFS bjb Precious, sehingga nasabah eksisting maupun nasabah potensial merasa OZBNBO EBO UFSJTUJNFXBLBO  UJEBL TFQFSUJ CFSBEB EJ banking hall. • Melakukan Customer Gathering produk-produk Wealth Management TFSUB QSPHSBN FLTLMVTJG MBJOOZB CBJL CBHJ nasabah eksisting maupun nasabah potensial bank bjb.

In order to create a more optimal bjb Precious services and BTUSPOHQPTJUJPOJOHJOUIFDPNNVOJUZ BTXFMMBTUPJODSFBTF DPNQFUJUJPO XJUI UIF QSJPSJUZ TFSWJDFT PG PUIFS CBOLT  bjb 1SFDJPVTXJMMQFSGPSNUIFGPMMPXJOHJOJUJBUJWFT t .FFUUIFOFFETPG#KC1SFDJPVT)3JOUFSNTPGRVBOUJUZBOE RVBMJUZ • Increase partnerships in terms of Merchant, Medical Arrangement, and Education Arrangement as a form of providing exclusive facilities to the members of bjb Precious. t 3FOPWBUF TPNF PG UIF bjb Precious outlets as a form of standardization in providing comfort to members of bjb Precious, thus existing and potential customers feel comfortable and privileged, and do not feel like being in a banking hall. • Organize Customer Gathering for Wealth Management products and other exclusive programs for both existing and potential customers of bank bjb.

bank bjb Annual Report 2014

134

bjb PRECIOUS

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

135 BJB PRECIOUS

bank bjb Annual Report 2014

136

KORPORASI & KOMERSIAL CORPORATE & COMMERCIAL

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

137

Unit usaha bank bjb di bidang korporasi dan komersial sangat bergantung pada kondisi perekonomian secara makro dan perkembangan dunia usaha. Pada tahun 2014, kondisi perekonomian di dalam negeri sedang NFOHBMBNJ QFSMBNCBUBO  EJ BOUBSBOZB EJJOEJLBTJLBO EFOHBO QFSUVNCVIBO FLPOPNJ ZBOH IBOZB TFCFTBS    MFCJI SFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBZBOH 

bank bjbTDPSQPSBUFBOEDPNNFSDJBMCVTJOFTTVOJUTBSFIJHIMZ dependent on the macro-economic condition and business EFWFMPQNFOU*O UIFEPNFTUJDFDPOPNZFYQFSJFODFEB TMPXEPXO  BNPOH PUIFST JOEJDBUFE CZ UIF FDPOPNJD HSPXUI PG   MPXFS UIBO UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 5.78%.

Kondisi dunia usaha juga tidak sedang bergairah, mengingat UBIVO  CFSMBOHTVOH QFSJTUJXB QPMJUJL CFTBS  ZBJUV 1FNJMV -FHJTMBUJG EBO 1FNJMV 1SFTJEFO %VOJB VTBIB CBOZBL ZBOH NFMBLVLBO BLTJ wait and see untuk mengembangkan CJTOJTOZB  TBNCJM NFOBOUJ SFODBOB LFCJKBLBO QFNFSJOUBI baru.

The business condition was also not enthusiastic, given the QPMJUJDBMFWFOUTUIBUUPPLQMBDFJO OBNFMZUIFMFHJTMBUJWF FMFDUJPOBOEUIFQSFTJEFOUJBMFMFDUJPO.BOZCVTJOFTTQMBZFST took the action to wait and see in terms of business expansion, OBNFMZXBJUJOHGPSUIFOFXHPWFSONFOUTQPMJDZQMBO

*OEJLBTJ NFMBNCBUOZB LFHJBUBO EVOJB VTBIB UFSMJIBU EBSJ IBTJM4VSWFJ5FOEFOTJ#JTOJT 45# ZBOHEJMBLVLBOPMFI#BOL Indonesia bersama Badan Pusat Statistik (BPS). Indeks 5FOEFOTJ #JTOJT ZBOH EBUBOZB CFSBTBM EBSJ 45#  NFSVQBLBO JOEJLBUPS QFSLFNCBOHBO FLPOPNJ VTBIB UFSLJOJ ZBOH menggambarkan kondisi bisnis dan perekonomian pada triwulan berjalan dan perkiraan pada triwulan mendatang.

Indications of slowdown in the business activities were shown UISPVHI UIF SFTVMUT GSPN UIF #VTJOFTT 5FOEFODZ 4VSWFZ 45# DPOEVDUFECZ#BOL*OEPOFTJBBOEUIF$FOUSBM#VSFBV PG 4UBUJTUJDT #14  5IF #VTJOFTT 5FOEFODZ *OEFY  JO XIJDI the data are derived from STB, is an indicator of the current economic development that describes the business and economic conditions in the current quarter and forecast in the upcoming quarter.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

138

KORPORASI & KOMERSIAL

Pada Triwulan 1-2014, Indeks Tendensi Bisnis (ITB) sebesar   ,POEJTJ JOJ NFOVKVLBO CBIXB UJOHLBU PQUJNJTNF pelaku bisnis lebih rendah jika dibandingkan dengan Triwulan *7ZBOHNFNJMJLJOJMBJ*5#TFCFTBS 

*O 2VBSUFS   UIF #VTJOFTT 5FOEFODZ *OEFY *5#  XBT  5IJT DPOEJUJPO BUUSJCVUF UIBU UIF MFWFM PG PQUJNJTN PG UIFCVTJOFTTQMBZFSTJTMPXFSXIFODPNQBSFEXJUIUIFGPVSUI quarter of 2013, where the value of ITB was 104.72.

Kondisi serupa berlanjut hingga akhir tahun. ITB Triwulan IV2014 mencapai 104,7, lebih rendah dibandingkan triwulan TFCFMVNOZB ZBOH   )BM JOJ NFOBOEBLBO CBIXB dunia usaha masih pesimistis dalam mengembangkan CJTOJTOZB  LBSFOB LPOEJTJ QFSFLPOPNJBO EJBOHHBQ LVSBOH mendukung.

6OUJMUIFFOEPGUIFZFBS TJNJMBSDPOEJUJPODPOUJOVFEUPPDDVS In the Fourth Quarter of 2014, ITB reached 104.7, lower than the previous quarter which amounted to 107.24. This indicates that the business world remains pessimistic in developing its business because the economic condition is considered unfavourable.

4JUVBTJ UFSTFCVU CFSQFOHBSVI QBEB LJOFSKB QFOZBMVSBO kredit perbankan secara umum. Data Bank Indonesia NFOHVOHLBQLBO  IJOHHB %FTFNCFS  UPUBM LSFEJU ZBOH disalurkan bank umum terhadap pihak ketiga sebesar 3Q  USJMJVO BUBV OBJL   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEBIBM  QBEB UBIVO  QFSUVNCVIBOOZB NFODBQBJ   EJCBOEJOHLBO UBIVO 2012.

The situation affects the performance of bank credit in general. Data from Bank Indonesia revealed, until December 2014 total loans of commercial banks to third parties was 3Q  USJMMJPO  PS JODSFBTFE POMZ CZ  PWFS UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIFSF JO  UIF HSPXUI XBTDPNQBSFEUPUIFZFBS

STRATEGI

STRATEGY

,POEJTJ FLTUFSOBM ZBOH CFSMBOHTVOH  CBJL EBSJ TJTJ FLPOPNJ makro maupun kegiatan dunia usaha, tentu di luar kontrol bank bjb. Bagi Perusahaan, tantangan tersebut harus disikapi EFOHBOCFSBHBNTUSBUFHJBHBSLFHJBUBOVTBIB LIVTVTOZBEJ bidang komersial dan korporasi tetap berjalan dengan baik.

External condition, both in terms of macro-economic and CVTJOFTTBDUJWJUJFT JTDFSUBJOMZCFZPOEUIFDPOUSPMPGCBOLbjb. 'PSUIF$PNQBOZ UIFTFDIBMMFOHFTNVTUCFBEESFTTFEXJUI BWBSJFUZPGTUSBUFHJFTTPUIBUCVTJOFTTBDUJWJUJFT QBSUJDVMBSMZ JOUIFBSFBTPGDPSQPSBUFBOEDPNNFSDJBMXJMMSVOTNPPUIMZ

"QBMBHJ EBSJ TJTJ JOUFSOBM  UBOUBOHBO ZBOH IBSVT EJIBEBQJ %JWJTJ,PSQPSBTJEBO,PNFSTJBMBEBMBISBTJPBOUBSBQFOZBMVSBO pinjaman dan Dana Pihak Ketiga atau loan to deposit ratio -%3  ZBOH  ZBOH MFCJI EBSJ   ,POEJTJ JOJ NFNCVBU SVBOHHFSBLQFOZBMVSBOLSFEJUNFOKBEJUFSCBUBT

Moreover, from the internal side, one of the challenges that NVTUCFGBDFECZUIF$PSQPSBUJPOTBOE$PNNFSDJBM%JWJTJPO JT UIF SBUJP CFUXFFO MFOEJOH BOE UIJSE QBSUZ GVOET PS MPBO UP EFQPTJU SBUJP -%3  PG NPSF UIBO  5IJT DPOEJUJPO caused limited lending movement space.

%BMBNLPOEJTJTFQFSUJJUV TUSBUFHJZBOHEJKBMBOLBO1FSVTBIBBO QBEBUBIVOEJBOUBSBOZB

*O TVDI DPOEJUJPO  JO  UIF $PNQBOZ QFSGPSNFE UIF GPMMPXJOHTUSBUFHJFT

A. Fokus di Sektor Produktif  6QBZB CBOL bjb mengembangkan kredit Korporasi EBO ,PNFSTJBM EJGPLVTLBO QBEB QFNCJBZBBO TFLUPS TFLUPS QSPEVLUJG NFMBMVJ QFOHFNCBOHBO MBZBOBO EBO QSPEVL QJOKBNBO ZBOH CFSPSJFOUBTJ QBEB LFCVUVIBO dan kepentingan nasabah. Produk kredit komersial dikembangkan sesuai karakteristik bisnis perusahaan serta karakteristik bisnis di sektor industri.

A. Focus on the Productive Sector The bank bjb effort to develop Corporate and Commercial DSFEJUXBTGPDVTFEPOUIFmOBODJOHPGQSPEVDUJWFTFDUPST through the development of services and loan products oriented to the needs and interests of customers. Commercial credit products are developed according to UIF DPNQBOZ CVTJOFTT DIBSBDUFSJTUJDT BOE UIF CVTJOFTT characteristics in the industrial sector.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

139 CORPORATE & COMMERCIAL

B. Produk Andalan Selain fokus pada sektor usaha tertentu, bank bjb juga NFOFUBQLBOGPLVTQBEBKFOJTQFNCJBZBBOZBOHEJKBEJLBO BOEBMBO VOUVL UBIVO  %J BOUBSBOZB BEBMBI ,SFEJU Modal Kerja (KMK) Konstruksi. KMK diberikan kepada QFSVTBIBBOQFNCJBZBBO 1JOKBNBO%BMBN/FHFSJ 1%/

 dan Garansi Bank.

B. Featured Product  *OBEEJUJPOUPGPDVTJOHPOTQFDJmDCVTJOFTTTFDUPST CBOL bjbBMTPTFUTUIFGPDVTPOUIFUZQFPGmOBODJOHGFBUVSFE in 2014, among others the Construction Working Capital -PBOT ,.,  ,., BSF HJWFO UP mOBODJOH DPNQBOJFT  %PNFTUJDMPBOT 1%/

BOE#BOL(VBSBOUFF

C. Jaringan Perusahaan juga membuka jaringan kantor di Jakarta ZBOH NFSVQBLBO TFOUSB LFVBOHBO EBO JOEVTUSJ EJ *OEPOFTJB )BM JOJ EJMBLVLBO EBMBN SBOHLB NFNQFSMVBT EBZB KBOHLBV UFSIBEBQ OBTBCBI  TFIJOHHB EJIBSBQLBO NBNQV NFOHPQUJNBMLBO LJOFSKB 1FSVTBIBBO  LIVTVTOZB terkait dengan nasabah korporasi dan kredit komersial.

C. Network  5IF$PNQBOZPQFOFEBOPGmDFOFUXPSLJO+BLBSUB XIJDI JTUIFDFOUSFPGmOBODFBOEJOEVTUSZJO*OEPOFTJB5IJTJT performed in order to expand access to customers, and JT FYQFDUFE UP PQUJNJ[F UIF $PNQBOZT QFSGPSNBODF  QBSUJDVMBSMZ SFMBUFE UP DPSQPSBUF BOE DPNNFSDJBM MPBOT customers.

KINERJA BISNIS

BUSINESS PERFORMANCE

Untuk memenuhi kebutuhan pendanaan dunia usaha, bank bjbNFNJMJLJCJTOJTZBOHCFSHFSBLEJCJEBOHQFOZBMVSBOEBOB BUBVQFNCJBZBBOLFQBEBTFHNFOVTBIBLPSQPSBTJ,FHJBUBO UFSTFCVU EJMBLVLBO NFMBMVJ EVB QSPEVL  ZBJUV cash loan dan non cash loan.

5P NFFU UIF mOBODJOH OFFET PG CVTJOFTT  CBOL bjb is FOHBHFE JO UIF EJTUSJCVUJPO PG GVOET PS mOBODJOH UP UIF corporate business segment. Activities are carried out through UXPQSPEVDUT OBNFMZDBTIMPBOBOEOPODBTIMPBO

Produk cash loan terdiri dari kredit modal kerja dan kredit investasi. Sedangkan untuk produk non cash loan adalah MBZBOBO QFOFSCJUBO (BSBOTJ #BOL VOUVL QSPZFLQSPZFL pemerintah maupun swasta. Melalui kegiatan ini, bank bjb berharap dapat meningkatkan fee based income bank bjb.

The cash loan product consists of working capital loans and investment loans. As for the non-cash loan product is the service to issue Bank Guarantee for government or private projects. Through these activities, bank bjb hopes to increase UIF$PNQBOZTGFFCBTFEJODPNF

Pada tahun 2014, kontribusi kredit Korporasi dan Komersial NFODBQBJ   UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU PMFI bank bjb. Kondisi tersebut mengalami sedikit perlambatan EJCBOEJOHUBIVOZBJUVTFCFTBS 

In 2014, the contribution of Corporate and Commercial loans reached 13.77% of bank bjb total loans. This is a slight TMPXEPXO DPNQBSFE UP UIF ZFBS  XIJDI BNPVOUFE UP 15.37%.

4JUVBTJZBOHBMBNJPMFICBOLbjbUFSTFCVUEJBOUBSBOZBBLJCBU UFLBOBO FLTUFSOBM  ZBJUV LPOEJTJ QFSFLPOPNJBO EBO EVOJB VTBIB ZBOH TFDBSB VNVN TFEBOH NFOHBMBNJ QFSMBNCBUBO Sedangkan dari sisi internal, Perusahaan juga sedang fokus pada perbaikan proses kredit.

This situation among others was due to external pressures, OBNFMZUIFDPOEJUJPOPGUIFFDPOPNZBOEUIFCVTJOFTTXPSMEJO general which are experiencing a slowdown. Meanwhile from UIFJOUFSOBMTJEF UIF$PNQBOZJTBMTPGPDVTJOHPOJNQSPWJOH its credit process.

Secara umum, kondisi tersebut juga terjadi pada perbankan, termasuk bank kategori BPD. Seperti terungkap pada data 4UBUJTUJL 1FSCBOLBO *OEPOFTJB  LSFEJU ZBOH EJTBMVSLBO #1% terhadap pihak ketiga juga mengalami perlambatan. Jika pada tahun 2013 tumbuh 20,88% dibandingkan tahun 2012, EJUBIVOKVTUSVIBOZBNFOJOHLBU EJCBOEJOHLBO tahun 2013.

In general, these conditions also occur in other banks, JODMVEJOH CBOLT JO UIF DBUFHPSZ PG 3FHJPOBM 3VSBM #BOL (BPD). As revealed in Banking Statistics Indonesia data, MPBOTEJTUSJCVUFECZ#1%UPUIJSEQBSUJFTBMTPFYQFSJFODFEB TMPXEPXO*GJOJUHSFXCZDPNQBSFEUPUIFZFBS   JO  JU POMZ JODSFBTFE CZ  DPNQBSFE UP UIF ZFBS bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

140

KORPORASI & KOMERSIAL

Di bank bjb, posisi kredit kelolaan Divisi Korporasi dan ,PNFSTJBM IJOHHB BLIJS %FTFNCFS  TFCFTBS 3Q  triliun atau 13,77% dari total kredit bank bjbZBOHNFODBQBJ 3Q  USJMJVO %JCBOEJOHLBO EFOHBO UBIVO  ZBOH TFCFTBS3Q USJMJVO CFSBSUJNFOHBMBNJQFOVSVOBO  %BSJ TJTJ LPOUSJCVTJ UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU CBOL bjb CFTBSBOOZBBEBMBI  MFCJISFOEBIEJCBOEJOHLBO kontribusi tahun 2013.

In bank bjb, the position of credit under the management of the Corporate and Commercial Division until the end of December  BNPVOUFE UP 3Q USJMMJPO PS  PG UIF #BOLT UPUBMDSFEJUXIJDISFBDIFE3QCJMMJPO$PNQBSFEUPUIF ZFBS  XIJDI BNPVOUFE UP 3Q USJMMJPO  UIJT NFBOT B decrease of 2.03%. In terms of the contribution to bank bjb’s total loan, the amount was 15.37%, lower than the contribution in 2013.

#FSJLVU JOJ UBCFM QFNCJBZBBO LSFEJU VOUVL EVB UBIVO UFSBLIJS  

5IF GPMMPXJOH JT UIF UBCMF PG DSFEJU mOBODJOH GPS UIF MBTU UXP ZFBST  

3QNJMJBS

3QCJMMJPO

Jenis Kredit KIU Sindikasi

2014 1.084.327

2013

Perubahan Change

Credit Type

758.008

43,05%

,*64ZOEJDBUJPO KI Loan Domestic



580.831

 



1.870.274

 

KMKK

KI PDAM



12.831

 

KI PDAM

,,"TTFU#VZ





-45,45%

,,"TTFU#VZ KMKU - Financing Companies

,*1JOKBNBO%BMBN/FHFSJ KMKK





 

,.,63$

,.,61FSVTBIBBO1FNCJBZBBO





-11,52%

,.,63$

KMKU Sindikasi

181.101

270.773

-33,12%

,.,64ZOEJDBUJPO

KIU Sindikasi





-10,32%

,*64ZOEJDBUJPO





 

KMKU

6.842.302

6.983.930

-2,03%

Total

KMKU Jumlah

1FOVSVOBOQFOZBMVSBOLSFEJULPSQPSBTJEBOLPNFSTJBMUFSKBEJ pada skim kredit modal kerja umum dan kredit investasi umum. Sementara skim kredit lain tetap tumbuh pada kisaran     EFOHBO SJODJBO LSFEJU NPEBM LFSKB LPOTUSVLTJ  

 LSFEJU JOWFTUBTJ QJOKBNBO EBMBN OFHFSJ  

 kredit investasi sindikasi (43,05%).

The decline in corporate and commercial lending occurred within the general working capital credit and public investment credit schemes. Meanwhile other credit schemes continue to HSPXJOUIFSBOHFPGUP XJUIEFUBJMTDPOTUSVDUJPO XPSLJOH DBQJUBM 

 JOWFTUNFOU DSFEJU EPNFTUJD MPBOT 

BOETZOEJDBUFEJOWFTUNFOUDSFEJU  

Untuk kredit bermasalah atau /PO 1FSGPSNJOH -PBO /1-  bruto kredit korporasi dan komersial hingga akhir Tahun #VLV ZBOHEJLFMPMBPMFICBOLbjb sebesar 11,3%. Jika EJCBOEJOHLBO EFOHBO UBIVO  ZBOH    NFOHBMBNJ QFOJOHLBUBO 

As for the gross corporate and commercial non-performing MPBOT /1- CZUIFFOEPG'JTDBM:FBSNBOBHFECZUIF bank bjb XBT BU UIF MFWFM PG   OBNFMZ BO JODSFBTF PG XIFODPNQBSFEUPUIFJO

Sedangkan untuk kinerja pemberian garansi sepanjang tahun  OJMBJOZBNFODBQBJ3Q USJMJVO%BSJKVNMBIUFSTFCVU  LPNQPTJTJ HBSBOTJ ZBOH NFOHHVOBLBO NBUB VBOH SVQJBI NFODBQBJ    TJTBOZB NFOHHVOBLBO NBUB VBOH EPMBS AS.

As for the performance of guarantee provision throughout  UIFWBMVFBNPVOUFEUP3QUSJMMJPO0GUIFOVNCFS  UIF DPNQPTJUJPO PG UIF HVBSBOUFF EFOPNJOBUFE JO 3VQJBI reached 75.45%, the rest was denominated in US Dollar.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

141 CORPORATE & COMMERCIAL

%BSJ TJTJ KFOJT  TFCBHJBO CFTBS BUBV   EJHVOBLBO untuk kategori Garansi Bank Pelaksanaan. Terbesar kedua EJTBMVSLBOVOUVL(BSBOTJ#BOL1FNFMJIBSBBOZBOHNFODBQBJ  BUBVTFOJMBJ3Q NJMJBS

*OUFSNTPGUZQFT NPTUPSJTVTFEJOUIFDBUFHPSZPG Implementation Bank Guarantee. The second largest was channelled for Bank Guarantee Maintenance which reached PSXPSUI3QCJMMJPO

#FSJLVUJOJSJODJBOQFOZBMVSBOEBOBHBSBOTJTFQBOKBOHUBIVO 

)FSFBSFUIFEFUBJMTPGUIFEJTUSJCVUJPOPGGVOETGPSHVBSBOUFF UISPVHIPVU

Jenis Garansi Garansi Bank Tender

IDR

USD

Total (IDR)

Guaratee Type







Bank Guarantee

Garansi Bank Pelaksanaan







Bank Guarantee Implementation

(BSBOTJ#BOL6BOH.VLB1SPZFL

113.287.078.308





Bank Guarantee Project Advances

Garansi Bank Pemeliharaan



0



Bank Guarantee Maintenance

(BSBOTJ#BOL1FNCBZBSBO#BOEJOH







1BZNFOU#BOL(VBSBOUFF-FUUFS



0



Bank Guarantee Disclaimer Appeal







Total

Garansi Bank Sanggahan Banding Total

RENCANA 2015

2015 PLAN

0UPSJUBT +BTB ,FVBOHBO NFNQFSLJSBLBO LJOFSKB QFOZBMVSBO EBOBBUBVLSFEJUZBOHEJLVDVSLBOPMFIQFSCBOLBOBLBOUVNCVI EJ BUBT  QBEB UBIVO  4BMBI TBUV QFOEPSPOHOZB adalah rencana realisasi kebijakan pemerintah di bidang JOGSBTUSVLUVS 0QUJNJTNF KVHB EBUBOH EBSJ QFNFSJOUBI  ZBOH menargetkan pertumbuhan ekonomi pada tahun 2015 sebesar   MFCJIUJOHHJEBSJSFBMJTBTJUBIVOZBOH 

5IF'JOBODJBM4FSWJDFT"VUIPSJUZFTUJNBUFTUIFQFSGPSNBODFPG UIFEJTUSJCVUJPOPGGVOETPSDSFEJUEJTCVSTFECZCBOLTXJMMHSPX PWFSJO0OFPGUIFESJWFTJTUIFQMBOUPSFBMJ[FUIF HPWFSONFOUQPMJDZJOUIFmFMEPGJOGSBTUSVDUVSF0QUJNJTNBMTP came from the government who targeted economic growth of 5.7% in 2015, higher than the realization in 2014 which was 5.02%.

Dengan asumsi tersebut, bank bjb menargetkan pertumbuhan kredit komersial mencapai 15%. Untuk mencapai target tersebut serta sebagai evaluasi terhadap kinerja tahun 2014, sejumlah strategi usaha telah disusun. Berikut ini beberapa di BOUBSBOZB

Based on these assumptions, bank bjb targeted commercial credit growth of 15%. To achieve this target as well as an evaluation of the 2014 performance, a number of business TUSBUFHJFTXFSFQSFQBSFE JODMVEJOHUIFGPMMPXJOH

1. Meningkatkan penagihan dan fokus pada perbaikan /1-EFOHBOQFOFSBQBOearly warning systemEBOVQBZB QFSDFQBUBOFLTFLVTJBHVOBONFMBMVJMFMBOH,1,/-CBMBJ lelang swasta/penjualan sukarela, termasuk penjajakan hapus buku dan hapus tagih, klaim asuransi dan lawyer.

 *NQSPWFDPMMFDUJPOTBOEGPDVTPOJNQSPWJOH/1-XJUIBO FBSMZ XBSOJOH TZTUFN BOE UIF JNQMFNFOUBUJPO PG FGGPSUT UP BDDFMFSBUF UIF FYFDVUJPO PG DPMMBUFSBM UISPVHI ,1,/- BVDUJPOTQSJWBUF BVDUJPOTWPMVOUBSZ TBMFT  JODMVEJOH XSJUF off and charge off assessments, insurance claims and MBXZFST

 'PLVTQBEBQFOJOHLBUBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT dengan memperhatikan asas prudential banking.

 'PDVT PO JNQSPWJOH UIF RVBMJUZ PG DSFEJU FYQBOTJPO XJUI regard to the principle of prudential banking.

bank bjb Annual Report 2014

142

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KORPORASI & KOMERSIAL

 1FOZFNQVSOBBOQSPTFTEBONPEFMCJTOJTEJCJEBOHLSFEJU sesuai dengan konsep four eyes principle

3. Completion of the business process and model in the mFMEPGDSFEJUJOBDDPSEBODFXJUIUIFDPODFQUPGGPVSFZFT principle.

4. Memperkuat Risk Management di bidang Kredit dan Administrasi kredit & Bisnis Legal untuk mendukung pencapaian ekspansi kredit.

 4USFOHUIFO 3JTL .BOBHFNFOU JO $SFEJU BOE $SFEJU Administration & Business Legal to support the achievement of credit expansion.

5. Mempercepat Service Level Agreement (SLA) perkreditan.

5. Accelerate Service Level Agreement (SLA) of credit.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

143 CORPORATE & COMMERCIAL

bank bjb Annual Report 2014

144

MIKRO MICRO

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

145

,SFEJU NJLSP TFTVBJ EFOHBO EFmOJTJ #BOL *OEPOFTJB TFQFSUJ tercantum dalam Peraturan Bank Indonesia (PBI) tahun 2012, NFSVQBLBOLSFEJUZBOHEJCFSJLBOLFQBEBQFMBLVVTBIBZBOH memenuhi kriteria usaha mikro.

.JDSP DSFEJU JO BDDPSEBODF XJUI UIF EFmOJUJPO BT TUBUFE JO #BOL*OEPOFTJB3FHVMBUJPO 1#* JOSFQSFTFOUTUIFMPBOT UPCVTJOFTTQMBZFSTXJUIJOUIFDSJUFSJBPGNJDSPFOUFSQSJTF

)JOHHB UBIVO MBMV  #BOL *OEPOFTJB NFODBUBU KVNMBI QFNCJBZBBO QFSCBOLBO LFQBEB TFLUPS NJLSP CBSV TFLJUBS  EBSJUPUBMLSFEJUQFSCBOLBO%FOHBOEFNJLJBO TFKBUJOZB masih terdapat peluang bagi bank untuk meningkatkan QFOZBMVSBOLSFEJUNJLSP

6OUJMMBTUZFBS #BOL*OEPOFTJBSFDPSEFE UIFOVNCFSPGCBOL mOBODJOH UP UIF NJDSP TFDUPS XBT POMZ BSPVOE  PG UIF total bank credit. Thus, there is still room for banks to increase micro credit.

Bisnis mikro merupakan bagian dari unit usaha dengan kategori usaha kecil dan menengah. Kelompok usaha ini sangat rentan terhadap situasi eksternal, terutama kinerja perekonomian nasional.

The micro business is a part of the small and medium enterprises CVTJOFTTVOJU5IJTCVTJOFTTHSPVQJTHSFBUMZWVMOFSBCMFUPUIF FYUFSOBMTJUVBUJPO QBSUJDVMBSMZUIFQFSGPSNBODFPGUIFOBUJPOBM FDPOPNZ

4FQBOKBOHUBIVO TFEJLJUOZBBEBEVBQFSJTUJXBQFOUJOH ZBOHNFNQFOHBSVIJLJOFSKBVTBIBLBUFHPSJNJLSPTFSUBVTBIB NFOFOHBI LFDJM EBONJLSP 6.,. QBEBVNVNOZB:BLOJ  kenaikan tarif dasar listrik dan kenaikan harga bahan bakar NJOZBLCFSTVCTJEJ

Throughout 2014, there were at least two important events that BGGFDU UIF QFSGPSNBODF PG UIF CVTJOFTT XJUIJO UIF DBUFHPSZ of micro business as well as the medium, small and micro FOUFSQSJTFT .4.&  JO HFOFSBM  OBNFMZ  UIF JODSFBTF JO FMFDUSJDJUZCBTJDUBSJGGBOEUIFSJTFPGTVCTJEJ[FEGVFMQSJDFT

Kenaikan tarif listrik dan BBM ikut mendorong peningkatan CJBZB QSPEVLTJ EBO EJTUSJCVTJ LFMPNQPL VTBIB NJLSP

5IFJODSFBTFJOFMFDUSJDJUZUBSJGGBOEGVFMQSJDFTDPOUSJCVUFEUP the increase in the cost of production and distribution of micro

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

146

MIKRO

4FNFOUBSBQBEBMBJOTJTJ EBZBCFMJNBTZBSBLBUKVHBNFMFNBI Bisnis perbankan juga ikut terpengaruh dengan kondisi UFSTFCVU%BUB4UBUJTUJL1FSCBOLBO*OEPOFTJBZBOHEJLFMVBSLBO oleh Bank Indonesia mengungkapkan bahwa total baki EFCFU LSFEJU NJLSP QBEB UBIVO  NFODBQBJ 3Q  USJMJVO  UVNCVI   1BEB UBIVO   QFSUVNCVIBOOZB mencapai 21,25%.

enterprises. While on the other hand, consumer’s purchasing power also weakened.The banking business was also affected CZUIFDPOEJUJPO5IF*OEPOFTJBO#BOLJOH4UBUJTUJDTJTTVFECZ Bank Indonesia revealed that the total outstanding balance of NJDSP DSFEJU JO  SFBDIFE 3Q USJMMJPO PS HSFX CZ *O HSPXUISFBDIFE

Pada saat bersamaan, kredit bermasalah atau /PO1FSGPSNJOH Loan /1-  LSFEJU NJLSP QBEB QFSCBOLBO EJ *OEPOFTJB KVHB meningkat, dari 3,24% pada tahun 2013 menjadi 3,34% pada tahun 2014.

"UUIFTBNFUJNF UIFNJDSPDSFEJUOPOQFSGPSNJOHMPBOT /1-  in the Indonesian banking also increased, from 3.24% in 2013 to 3.34% in 2014.

%BSJ TJTJ JOUFSOBM  IBNCBUBO ZBOH EJBMBNJ PMFI CBOL bjb UFSNBTVLLPOEJTJPSHBOJTBTJ1FSVTBIBBOZBOHUJEBLNBLTJNBM  NFOHJOHBUBEBOZBLFOEBMBUFSLBJUEFOHBOLFQVUVTBOSFHVMBUPS terhadap sejumlah anggota Direksi di bank bjb. Kondisi ini tentu sangat berpengaruh terhadap kinerja usaha Perusahaan

*OUFSOBMMZ  UIF CBSSJFST GBDFE CZ CBOL bjb included the VOGBWPVSBCMF $PNQBOZT PSHBOJ[BUJPOBM DPOEJUJPO  HJWFO UIF constraints associated with the decision of the regulator on a number of members of the Board of Directors of bank bjb. This DPOEJUJPOBGGFDUTUIFQFSGPSNBODFPGUIF$PNQBOZ

STRATEGI

STRATEGY

%BMBN TJUVBTJ ZBOH LVSBOH NFOEVLVOH JUV  TFKVNMBI MBOHLBI TUSBUFHJ UFMBI EJMBLTBOBLBO QBEB UBIVO   ZBOH LFNVOHLJOBO JNQMJLBTJ QPTJUJGOZB KVTUSV CBSV CJTB EJSBTBLBO TFUFMBIUBIVO"EBQVOTFKVNMBIJOJTJBUJGZBOHUFSFBMJTBTJ QBEBUBIVO EJBOUBSBOZB

Under the unfavourable circumstances, a number of strategic NFBTVSFTXFSFJNQMFNFOUFEJO JOXIJDIUIFQPTTJCJMJUZPG QPTJUJWFJNQMJDBUJPOTDBOPOMZCFGFMUBGUFS5IFJOJUJBUJWFT SFBMJ[FEJOJODMVEFE

A Reorganisasi Perusahaan telah mengembangkan divisi mikro menjadi %JSFLUPSBU .JLSP CFSEBTBSLBO 3BQBU 6NVN 1FNFHBOH 4BIBN -VBS #JBTB ZBOH EJTFMFOHHBSBLBO QBEB  %FTFNCFS)BMJOJEJMBLVLBOTFCBHBJCVLUJLFTFSJVTBO pemegang saham untuk memperbaiki dan meningkatkan LJOFSKB  EJ BOUBSBOZB LSFEJU NJLSP EBO /PO1FSGPSNJOH Loan /1- 

A Reorganization  5IFDPNQBOZEFWFMPQFEUIFNJDSPEJWJTJPOJOUPUIF.JDSP %JSFDUPSBUF CBTFE PO UIF &YUSBPSEJOBSZ (FOFSBM .FFUJOH PG 4IBSFIPMEFST IFME JO %FDFNCFS    5IJT XBT performed as a proof of the seriousness of shareholders to improve and enhance performance, including micro-credit BOE/PO1FSGPSNJOH-PBOT /1- 



%BMBNPSHBOJTBTJ%JSFLUPSBU.JLSP EJCBHJEVBEJWJTJ ZBJUV 1. Divisi Kredit Mikro 2. Divisi Kredit Lembaga Keuangan Mikro



1FSVCBIBOTUSVLUVS%JWJTJ1FOZFMBNBUBOEBO1FOZFMFTBJBO ,SFEJU 11,

 EJNBOB UJEBL IBOZB NFOHFMPMB %FCJUVS Write Off namun juga menangani kolektibilitas 3, 4 dan 5 terhadap seluruh produk kredit di bank bjb.

bank bjb Laporan Tahunan 2014

The Directorate of Micro is divided into two divisions, OBNFMZ 1. Micro Credit Division  .JDSPmOBODF*OTUJUVUJPOT$SFEJU%JWJTJPO 

5IFTUSVDUVSFPGUIF$SFEJU3FTDVFBOE4FUUMFNFOU%JWJTJPO (PPK) was changed, in which Write-off Debtors are NBOBHFE BOE BT XFMM BT DPMMFDUBCJMJUZ    BOE  PG UIF entire bank loan products in bank bjb.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

147 MICRO

B. Evaluasi Mitra Pemberhentian kerja sama dengan Vendor DSA, di mana untuk Pemasaran telah diberhentikan sejak 1 Januari 2015 dan fungsi Pick Up secara bertahap sampai dengan 30 Juni 2015.

B. Evaluation of Partners Termination of partnership with DSA Vendor for Marketing IBTCFFOEJTNJTTFETJODF+BOVBSZ BTXFMMBTUIF 1JDL6QGVODUJPOHSBEVBMMZVOUJM+VOF 

C. Sumber Daya Manusia  .FMBLVLBO 3FLSVUNFO QFHBXBJ UFUBQ EBO QFHBXBJ OPO tetap untuk menggantikan tenaga kerja dari Vendor DSA.

C. Human Resources Conduct recruitment of permanent and non-permanent FNQMPZFFTUPSFQMBDFXPSLFSTGSPN%4"7FOEPS

D. Proses Bisnis 1. Mengembangkan metode pengelolaan debitur, EFOHBOEJCFOUVLUJNTFCBHBJCFSJLVU a. Tim Front End untuk Kolektibilitas 1, 2A, 2B dan 2C (Divisi Bisnis) b. Tim Mid Range untuk Collection terhadap Kolektibilitas 3, 4 dan 5 (Divisi PPK) c. Tim Back End untuk Recovery801) %JWJTJ11,  2. Melakukan pemisahan fungsi Risk Monitoring/Control dengan Bisnis di KC/KCP, sehingga fungsi Risk Monitoring/Control akan independen dan prinsip Four Eyes Principles dapat berjalan dengan baik. 3. Pengembangan Infrastruktur teknologi informasi, sehingga monitoring dapat dilakukan secara harian/ komprehensif untuk menunjang proses bisnis mikro ZBOHCFSLVBMJUBT 4. Melakukan pengembangan Monitoring System.  .FOZFNQVSOBLBO4USBUFHJ1FOBOHBOBO,SFEJU  1FOFSBQBO TUJNVMVT LFCJKBLBO EFOHBO NFMBLVLBO QFNVUBLIJSBOBUBTLFCJKBLBOZBOHBEB QFOZFSBHBNBO tools analisa dokumen legal, dan penambahan jumlah QFHBXBJZBOHNFOHFMPMBQPSUPGPMJPLSFEJU  .FOZFNQVSOBLBO4USBUFHJ1FOBOHBOBO,SFEJU  .FOHHBOEFOH ,BOUPS 1FMBZBOBO ,FLBZBBO /FHBSB EBO -FMBOH ,1,/-  EBMBN QFOBOHBOBO LSFEJU bermasalah.  .FOHFNCBOHLBO "QMJLBTJ ,SFEJU 0OMJOF .JLSP EBO Aplikasi Penjaminan Kredit Online (APKO).

D. Business Process %FWFMPQNFUIPETGPSUIFNBOBHFNFOUPGUIFEFCUPSTCZ FTUBCMJTIJOHUIFGPMMPXJOHUFBNT B 'SPOU&OE5FBNGPS$PMMFDUBCJMJUZ " #BOE$ (Business Division) C .JE3BOHF5FBNGPSUIFDPMMFDUJPOPG$PMMFDUBCJMJUZ 3, 4 and 5 (PPK Division) D #BDL&OE5FBNGPSUIF3FDPWFSZPG801) 11, Division)  4FQBSBUJPOPGUIFGVODUJPOTPG3JTL.POJUPSJOH$POUSPM with Business in the KC/ KCP, so that the function of 3JTL.POJUPSJOH$POUSPMXJMMCFJOEFQFOEFOUBOE'PVS &ZFT1SJODJQMFTQSJODJQMFXJMMSVOTNPPUIMZ  5IF EFWFMPQNFOU PG JOGPSNBUJPO UFDIOPMPHZ infrastructure, so that monitoring can be performed on BEBJMZ8DPNQSFIFOTJWFCBTJTUPTVQQPSUUIFRVBMJmFE process of micro business.  %FWFMPQUIF.POJUPSJOH4ZTUFN  3FmOFUIF$SFEJU.BOBHFNFOU4USBUFHZ  "QQMJDBUJPOPGUIFQPMJDZTUJNVMVTUISPVHIUIFVQEBUF PG UIF FYJTUJOH QPMJDJFT  VOJGZJOH UIF MFHBM EPDVNFOU BOBMZTJTUPPMT BOEJODSFBTJOHUIFOVNCFSPGFNQMPZFFT to manage loan portfolio.  3FmOF$SFEJU.BOBHFNFOU4USBUFHZ  8PSL UPHFUIFS XJUI UIF 0GmDF PG 4UBUF 1SPQFSUZ BOE "VDUJPO ,1,/- JOUIFNBOBHFNFOUPGOPOQFSGPSNJOH loans.  %FWFMPQ UIF 0OMJOF .JDSP $SFEJU "QQMJDBUJPO BOE UIF Online Credit Guarantee Application (APKO).

E. Waroeng bjb Secara bertahap akan ditutup dan diganti menjadi Mobile Distribution/bjb MODIS untuk menjangkau ke desa dan LFDBNBUBO  CBJL QFMBZBOBO NJLSP EBO QFOHIJNQVOBO EBOBSFUBJMEBSJNBTZBSBLBUTFTVBJLFCJKBLBO0+,QFSJIBM -",61"/%"*

E. Waroeng bjb  8BSPFOH CKC XJMM HSBEVBMMZ CF DMPTFE BOE SFQMBDFE CZ Mobile Distribution/ bjb MODIS to reach the villages and districts, both micro services and retail fund raising from UIFQVCMJDCBTFEPOUIFQPMJDZPG'4"PO-",61"/%"*

bank bjb Annual Report 2014

148

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

MIKRO

F. Pemilihan Nasabah 1. Menerapkan Selective Selling EBMBN QFOZBMVSBO kredit. 2. Melakukan segmentasi pasar dengan fokus pada EFCJUVSVUBNB CFSVQBZBNFOJOHLBULBOLFMPMBBOBTFU EBO UFUBQ CFSVTBIB NFOHFNCBOHLBO QBTBS ZBOH baru.

bank bjb Laporan Tahunan 2014

F. Selection of Customer  "QQMZ4FMFDUJWF4FMMJOHJOMFOEJOH 2. Conduct market segmentation with a focus on the principal debtor, seek to increase assets management and strive to develop new markets.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

149 MICRO

KINERJA 2014

2014 PERFORMANCE

Pada 24 September 2014, bank bjb menandatangani 1FSKBOKJBO ,FSKB 4BNB 1,4  ,SFEJU $JOUB 3BLZBU ,$3  CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU  ZBOH NFSVQBLBO 5BIBQ ,F*7  TFUFMBI UJHB UBIBQ TFCFMVNOZB EJSFBMJTBTJLBO pada tahun 2013. Pada tahap IV, Pemerintah Provinsi +BXB #BSBU BLBO NFOZFSBILBO LFNCBMJ %BOB #FSHVMJS ,$3 TFCFTBS 3Q NJMJBS LFQBEB CBOL bjb dengan jangka waktu pengembalian 5 tahun sejak penandatangan PKS dan Kesepakatan Bersama.

On September 24, 2014, the Bank signed a cooperation BHSFFNFOUPO,SFEJU$JOUB3BLZBU ,$3 XJUIUIF(PWFSONFOU PG 8FTU +BWB 1SPWJODF  OBNFMZ 1IBTF *7  BGUFS UIF UISFF previous stages being realized in 2013. In the fourth stage, the Government of West Java Province will be hand back the ,$33FWPMWJOH'VOEPG3QCJMMJPOUPCBOLbjb with a tenor PGZFBSTTJODFUIFTJHOJOHPGUIF"HSFFNFOU

#FSEBTBSLBO EBUB QPTJTJ "HVTUVT   UPUBM SFBMJTBTJ ,$3 TFCFTBS 3Q  NJMJBS EFOHBO outstanding/baki debet TFCFTBS 3Q  NJMJBS 5PUBM EFCJUVS QBEB TFHNFO JOJ TFCBOZBLEFOHBOQFOZFSBQBOUFOBHBLFSKBTFCBOZBL 23.245 orang. Pencapaian tersebut didukung dengan jaringan Kantor bank bjbZBOHUFMBIUFSTFCBSEJ8JMBZBI1SPWJOTJ+BXB #BSBU EFOHBO KVNMBI  ,BOUPS $BCBOH EBO  ,BOUPS Cabang Pembantu.

Based on the data on the position in August 2014, total SFBMJ[BUJPO PG ,$3 XBT 3Q CJMMJPO XJUI PVUTUBOEJOH EFCJUPG3QCJMMJPO5PUBMEFCUPSTJOUIJTTFHNFOUXFSF   XJUI FNQMPZNFOU BCTPSQUJPO PG   QFPQMF 5IJT BDIJFWFNFOU XBT TVQQPSUFE CZ CBOL bjbT 0GmDF OFUXPSL spread in the West Java Province with a number of 33 CSBODIFTBOETVCCSBODIFT

6OUVLLJOFSKBQFOZBMVSBO QFSUVNCVIBOQPTJTJLSFEJULFMPMBBO Divisi Mikro dari Desember 2013 sampai Desember 2014 NFOHBMBNJ QFSMBNCBUBO  TFIJOHHB NFOKBEJ 3Q  USJMJVO 4LJN,SFEJU.JLSP6UBNBNFNJMJLJLPOUSJCVTJTFCFTBS  BUBV TFCFTBS 3Q  NJMJBS EBSJ UPUBM QFOZBMVSBO LSFEJU EJ sektor mikro.

For the performance distribution, the growth of credit managed CZ UIF .JDSP %JWJTJPO GSPN %FDFNCFS  VOUJM %FDFNCFS FYQFSJFODFEBTMPXEPXOBOECFDBNF3QUSJMMJPO5IF .BJO .JDSPDSFEJU TDIFNF DPOUSJCVUFE  PS 3Q billion of the total lending in the micro sector.

Sedangkan ekspansi kredit kelolaan Divisi Mikro sepanjang UBIVO  NFODBQBJ 3Q  USJMJVO EFOHBO run off 3Q  triliun. Sehingga, pertumbuhan neto tahunan (YoY) mencapai 3Q  NJMJBS "EBQVO QFSUVNCVIBO /P" /VNCFS PG Account) Kelolaan Divisi Mikro dari Desember 2013 sampai EFOHBO %FTFNCFS  NFOVSVO   BUBV TFCBOZBL BLVO

.FBOXIJMF UIF FYQBOTJPO PG DSFEJU NBOBHFE CZ UIF .JDSP %JWJTJPOEVSJOHUIFZFBSSFBDIFE3QUSJMMJPOXJUISVO PGG3Q5SJMMJPO5IVT UIFBOOVBMOFUHSPXUI :P: SFBDIFE 3Q CJMMJPO 5IF HSPXUI PG /P" /VNCFS PG "DDPVOUT  NBOBHFE CZ UIF .JDSP %JWJTJPO GSPN %FDFNCFS  UP %FDFNCFS  EFDSFBTFE  PS BT NVDI BT   accounts.

Untuk Pendapatan Bunga Kredit Yang Diberikan (PBKYD) Divisi Mikro hingga Triwulan IV tahun 2014, mencapai 3Q  NJMJBS BUBV UVSVO   EJCBOEJOH QFSJPEF ZBOH TBNBUBIVOTFCFMVNOZB ZBOHNFODBQBJ3Q USJMJVO

Credit Interest Income (PBKYD) of the Micro Division until the 'PVSUI2VBSUFSPGSFBDIFE3QCJMMJPO EFDSFBTJOH CZPWFSUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS XIJDI XBT3QUSJMMJPO

1FOZVNCBOHQFOEBQBUBOUFSCFTBSEJQFSPMFIEBSJLSFEJUZBOH EJTBMVSLBO PMFI (SVQ .JLSP  ZBJUV TFCFTBS 3Q  NJMJBS ZBOHNFMBNCBU EJCBOEJOH%FTFNCFS

5IF MBSHFTU DPOUSJCVUPS UP SFWFOVF XBT DSFEJU FYUFOEFE CZ UIF.JDSP(SPVQ BNPVOUJOH3QCJMMJPO BEFDSFBTFPG 24.30% compared to the position in December 2013.

Sedangkan kredit bermasalah atau /PO 1FSGPSNJOH -PBO /1-  Gross hingga akhir tahun 2014 mencapai 22,7%. ,POEJTJJOJMFCJIUJOHHJ EJCBOEJOHLBOUBIVOZBOH sebesar 11,3%.

.FBOXIJMF HSPTT OPOQFSGPSNJOH MPBOT /1-  VOUJM UIF FOE of 2014 reached 22.7%, an increase of 11.4% compared to 2013, which amounted to 11.3%.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

150

MIKRO

Berikut ini tabel kinerja usaha kredit mikro bank bjb dalam tiga tahun terakhir.

The following table describes the performance of the $PNQBOZTNJDSPDSFEJUJOUIFMBTUUISFFZFBST

3Q+VUB LFDVBMJ/P" 

3Q.JMMJPO FYDFQU/P"

Desember 2014 December 2014

Skim Kredit NoA

Value

Desember 2013 December 2013 NoA

Value

Desember 2012 December 2012 NoA

Credit Scheme

Value

8JMBZBI

30.585





1.880.010

33.382



8JMBZBI





10.553







3FHJPO

8JMBZBI

30.375

1.824.157

35.584



31.272



3FHJPO

3FHJPO

8JMBZBI



528.005









3FHJPO

Jumlah

79.962

4.505.840

95.384

5.363.482

83.707

4.550.811

Total

RENCANA 2015

2015 PLAN

%BMBN SFODBOB TUSBUFHJT 1FSVTBIBBO EJ CJEBOH QFOZBMVSBO kredit di tahun 2015, bank bjb akan fokus pada sektor produktif, UFSVUBNBVOUVLTLBMBVTBIBNJLSP LFDJMNFOFOHBI/BNVO hal itu dilakukan tetap dengan menjaga prinsip kehati-hatian.

*O UIF $PNQBOZT  TUSBUFHJD QMBOT JO MFOEJOH  UIF #BOL will focus on the productive sectors, in the micro, small and medium enterprises. This will be performed while maintaining the principle of prudence.

Dari sisi target pertumbuhan untuk kredit mikro, bank bjb memperkirakan bisa meraih peningkatan 10% dibandingkan EFOHBO SFBMJTBTJ UBIVO  )BM JOJ EJEVLVOH PMFI LPOEJTJ eksternal dan internal.

From the growth target for micro credit, bank bjb estimates to achieve a 10% increase compared to the realization in 2014. 5IJTJTTVQQPSUFECZUIFFYUFSOBMBOEJOUFSOBMDPOEJUJPOT

Dari sisi eksternal, kondisi perekonomian secara umum diperkirakan lebih baik dibandingkan dengan tahun 2014. Sedangkan dari sisi internal, sejak Desember 2014 bank bjb telah mengembangkan organisasi unit usaha mikro menjadi TFUJOHLBU%JSFLUPSBU TFIJOHHBSVBOHHFSBLOZBNFOKBEJMFCJI leluasa.

'SPN UIF FYUFSOBM TJEF  UIF FDPOPNJD DPOEJUJPO JT HFOFSBMMZ expected to be better compared to the condition in 2014. Meanwhile, from the internal side, since December 2014 bank bjb has transformed the micro business unit into the level of Directorate thus having more opened space of movement.

6OUVL NFODBQBJ UBSHFU ZBOH UFMBI EJUFUBQLBO  TFKVNMBI JOJTJBUJGTUSBUFHJUFMBIEJTJBQLBO EJBOUBSBOZB

To achieve the targets set, a number of strategic initiatives IBWFCFFOQSFQBSFE JODMVEJOH

1. Program PESAT  1SPHSBN JOJ EJLFOBM EFOHBO 1SPHSBN 1FNCFSEBZBBO &LPOPNJ /BTBCBI 5FSQBEV BUBV EJTFCVU EFOHBO 1&4"5 4USBUFHJ ZBOH BLBO EJKBMBOLBO NFMBMVJ 1&4"5  EJBOUBSBOZB

1. PESAT Program This program is known as the Integrated Customer Economic Empowerment or referred to PESAT. The strategies that will be implemented through PESAT JODMVEF

B 1FNCFSEBZBBO OBTBCBI NJLSP  QSB QVSOBCBLUJ EBO purnabakti

B &NQPXFSJOHDVTUPNFSTNJDSP QSFSFUJSFEBOESFUJSFE

b. Penjaringan pelaku usaha potensial dengan menggunakan nasabah eksis sebagai “entry point”.

C /FUXPSLJOH PG QPUFOUJBM CVTJOFTT PQFSBUPST VTJOH FYJTUJOHDVTUPNFSTBTUIFiFOUSZQPJOUw

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

151 MICRO



D 1FOFUSBTJUFSIBEBQLFMPNQPLNBTZBSBLBUZBOHCFMVN tersentuh oleh bank.

D 1FOFUSBUJPOPGUIFHSPVQPGQFPQMFUIBUOPUZFUSFBDIFE CZUIF#BOL

E .FOKBMJOLFSKBTBNBEFOHBOJOTUJUVTJQFNFSJOUBIZBOH membidangi UMKM.

d. Collaborate with government agencies in charge of MSME.

5BSHFUZBOHJOHJOEJDBQBJEBSJQSPHSBNTUSBUFHJTUFSTFCVU BEBMBI



5BSHFUTUPCFBDIJFWFEGSPNUIFTUSBUFHJDQSPHSBNBSF

a. Menciptakan dan membentuk “loyal” customer, sehingga melapangkan jalan untuk mengembangkan bisnis nasabah secara berkelanjutan mengingat LBSBLUFSOZBMFCJIUFSKBHBEJCBOEJOHLBOOBTBCBICBSV

B $SFBUF BOE FTUBCMJTI iMPZBMw DVTUPNFST  UIVT QBWJOH UIF XBZ GPS EFWFMPQJOH DVTUPNFS CVTJOFTT JO B sustainable manner given their characters are more maintained than new customers.

b. Menumbuhkan potensi calon nasabah di kalangan NBTZBSBLBUEBOLPNVOJUBT

b. Cultivate the potential of prospective customers in the TPDJFUZBOEDPNNVOJUZ

D .FOHJOUFHSBTJLBOBOUBSBVQBZBmaintenance nasabah ZBOHBEBEFOHBO1FOKBSJOHBOpre-customer.

c. Integrate the efforts of maintenance of existing DVTUPNFSTXJUIQSFDVTUPNFS/FUXPSLJOH

E #FSTBNB QFNFSJOUBI NFOKBEJ BHFO QFNCFSEBZB kewirausahaan.

d. Together with the Government entrepreneurial empowerment agent.

Adapun target komposisi sasaran PESAT, terutama NFSVQBLBOLPOTVNFOZBOHCFSBTBMEBSJOBTBCBIexisting, ZBJUV TFCFTBS  4JTBOZB IBTJM LFSKB TBNB EFOHBO pemerintah (30%) dan pengembangan melalui komunitas (20%).



becomes

an

5IF UBSHFU PG 1&4"5 JT FTQFDJBMMZ UIF DVTUPNFST GSPN existing customers, which amounted to 50%. The rest is the result of cooperation with the government (30%) and UISPVHIDPNNVOJUZEFWFMPQNFOU  

 3FODBOB TUSBUFHJT MBJO ZBOH BLBO NFOEVLVOH VQBZB QFODBQBJBOUBSHFUUBIVOBEBMBI

2. Another strategic plan that will support the efforts to BDIJFWFUIFUBSHFUTBSF

a. Di bidang komunikasi dan pemasaran  4USBUFHJ JOJ  EJ BOUBSBOZB EJMBLVLBO NFMBMVJ gathering dengan bantuan bagian pemasaran, pembuatan media komunikasi, sosialisasi restrukturisasi kredit, serta membuka potensi top up bagi debitur existing ZBOHNFNJMJLJSJXBZBULSFEJUZBOHTFIBU

B *OUIFmFMEPGDPNNVOJDBUJPOTBOENBSLFUJOH  5IJT TUSBUFHZ  BNPOH PUIFST XJMM CF DPOEVDUFE through gathering with the help of marketing, creation of communication media, dissemination of loan restructuring, as well as opening the potential of topVQTGPSUIFFYJTUJOHEFCUPSTXJUIIFBMUIZDSFEJUIJTUPSZ

b. Pengembangan infrastruktur  %J CJEBOH QFOHFNCBOHBO JOGSBTUSVLUVS  EJ BOUBSBOZB EJMBLVLBO EFOHBO   NFOZJBQLBO QFOEJEJLBO CBHJ BDDPVOU PGmDFS, 2) pengembangan loan origination system, 3) pengembangan waroeng bjb.

b. Infrastructure development The development of infrastructure will be conducted CZ   QSFQBSJOH UIF FEVDBUJPO GPS BDDPVOU PGmDFST   UIFEFWFMPQNFOUPGMPBOPSJHJOBUJPOTZTUFN  UIF development waroeng bjb.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

152

MIKRO

c. Jaringan kerja sama  6OUVL KBSJOHBO LFSKB TBNB  EJ BOUBSBOZB EJMBLVLBO dengan Pemerintah Pusat dalam hal ini Kementerian 5FLOJT EBO 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU /BNVO tetap terbuka kemungkinan untuk kerja sama dengan pihak atau lembaga lain.

c. Cooperation network Cooperation network will be established with the $FOUSBM (PWFSONFOU JO UIJT DBTF UIF .JOJTUSZ PG Technical and the local Government of West Java 1SPWJODF)PXFWFS UIFQPTTJCJMJUZGPSDPPQFSBUJPOXJUI other institutions remains to be opened.

d. Pemilihan nasabah Perusahaan juga akan melakukan pemetaan potensi LSFEJUQSPHSBNEJXJMBZBILFSKBCBOLbjb dan menjaga hubungan baik dengan debitur existing kelolaan Kredit Program. Selain itu, bank bjb akan melakukan QFOFUSBTJQBEBKBSJOHBOLPQFSBTJZBOHNFNJMJLJLJOFSKB baik setelah melakukan analisis data dari Dinas Koperasi.

d. Customer selection  5IF DPNQBOZ XJMM BMTP DPOEVDU DSFEJU QPUFOUJBM mapping program in the working areas of bank bjb and maintain good relationships with the existing EFCUPSTNBOBHFECZUIF$SFEJU1SPHSBN*OBEEJUJPO  the bank bjb will penetrate the cooperative network XJUIHPPEQFSGPSNBODFBGUFSUIFBOBMZTJTPGEBUBGSPN the Department of Cooperatives is conducted.

Pada saat bersamaan, bank bjb akan menghentikan TFNFOUBSB QFOZBMVSBO stop selling) bagi Cabang/ ,$1ZBOH/1-OZBEJBUBT%FOHBOCFHJUV EBQBU MFCJIGPLVTEBMBNNFOVSVOLBOUJOHLBU/1-TFSUBUFUBQ secara pro aktif dalam melakukan penagihan.

At the same time, the bak bjbXJMMUFNQPSBSZTVTQFOE the disbursement (stop selling) for Branches/KCP with /1- BCPWF  #Z EPJOH TP  UIF #BOL DBO CF NPSF GPDVTFEPOMPXFSJOHUIFMFWFMPG/1-BOESFNBJOQSP active in collection.

e. Pengembangan produk  5BL LBMBI QFOUJOHOZB  EBMBN SBOHLB NFOJOHLBULBO kinerja usaha di bidang mikro, bank bjb akan terus melakukan inovasi pengembangan produk agar sesuai dengan kebutuhan nasabah.

e. Product development  &RVBMMZ JNQPSUBOU  JO PSEFS UP JNQSPWF CVTJOFTT QFSGPSNBODF JO UIF mFME PG NJDSP  CBOL bjb will continue to innovate the development of products to suit customer needs.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

153 MICRO

bank bjb Annual Report 2014

154

INTERNASIONAL & TRESURI INTERNATIONAL & TREASURY

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

155

INTERNASIONAL

INTERNATIONAL

bank bjb NFOBXBSLBO MBZBOBO  BLUJWJUBT QFSCBOLBO NFMBMVJ produk transaksi Trade Finance and Services dan remittance ZBOH EJEVLVOH PMFI  CBOL LPSFTQPOEFO   Depository Correspondent, dengan 22 /PTUSP "DDPVOU  TFSUB  counterparties (#BOLT BOE /PO #BOLT), agen remitansi di 4 negara Asia, serta kerja sama strategis dengan berbagai pihak.

bank bjb offers banking services through the product Trade Finance and Services transactions and remittance supported CZDPSSFTQPOEFOUCBOLT %FQPTJUPSZ$PSSFTQPOEFOU  XJUI/PTUSP"DDPVOUT BOEDPVOUFSQBSUJFT #BOLTBOE /PO#BOLT

SFNJUUBODFBHFOUTJO"TJBODPVOUSJFT BTXFMMBT strategic alliances with various parties.

Di tahun 2014, fee based income ZBOH EJQFSPMFI EBSJ aktivitas Trade Finance and ServicesEBO3FNJUBOTJCFSIBTJM NFODBUBULBO QFODBQBJBO NFMFCJIJ UBSHFU ZBOH EJUFUBQLBO )BM JOJ EJEVLVOH PMFI CFSCBHBJ GBLUPS  BOUBSB MBJO QFSCBJLBO MBZBOBO  JOGSBTUSVLUVS  QSPNPTJ EBMBN CFSCBHBJ LFHJBUBO ZBOH NFOEVLVOH QFOJOHLBUBO USBOTBLTJ QFSEBHBOHBO EBO SFNJUBOTJTFSUBBEBOZBUBSHFUNBSLFUCBSVNFMBMVJUSBOTBLTJ kepada nasabah maupun counterparty bank.

In 2014, fee-based income derived from Trade Finance BOE 4FSWJDFT BT XFMM BT 3FNJUUBODF NBOBHFE UP SFDPSE BO BDIJFWFNFOU FYDFFEJOH UIF UBSHFU TFU 5IJT JT TVQQPSUFE CZ B WBSJFUZ PG GBDUPST  BNPOH PUIFST  TFSWJDFT JNQSPWFNFOU  JOGSBTUSVDUVSF QSPNPUJPOJOBWBSJFUZPGBDUJWJUJFTUIBUTVQQPSU the increase of trade transactions and remittance as well as the new target market through transactions to the bank’s customers and counterparties.

Trade Finance

Trade Finance

bank bjb NFOBXBSLBO CFSCBHBJ QSPEVL EBO MBZBOBO LPNQSFIFOTJG CBHJ QBSB QFOHVTBIB ZBOH CFSHFSBL EBMBN CJEBOH VTBIB  ZBOH CFSLBJUBO EFOHBO  FLTQPS JNQPS  QFSEBHBOHBO MPLBM NBVQVO VTBIB MBJOOZB 1SPEVL CBOL

bank bjb offers a comprehensive range of products and services for entrepreneurs engaged in activities related to exports and imports, local trade and other businesses. bank bjbTQSPEVDUTDBOCFVTFEBTMPOHBTUIFQBZNFOUNFUIPE

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

156

INTERNASIONAL & TRESURI

bjb CJTB EJNBOGBBULBO TFQBOKBOH NFUPEF QFNCBZBSBOOZB menggunakan Letter of Credit (LC) ataupun Surat Kredit #FSEPLVNFO%BMBN/FHFSJ 4,#%/ BUBVQVOguarantee dan Standby Letter of Credit ZBOH NFOHBDV LFQBEB LFUFOUVBO JOUFSOBTJPOBM ZBOHEJBOUBSBOZB

uses the Letter of Credit (LC) or Letter of Credit with Domestic %PDVNFOUBUJPO 4,#%/  PS HVBSBOUFFT BOE TUBOECZ MFUUFS of credit, which refers to the international regulations, which JODMVEF

t • t • • • •

t t t • • • t

1FOFSCJUBO-$4,#%/ Collection-$4,#%/ /FHPTJBTJ Diskonto Shipping Guarantee Guarantee Standby Letter of Credit

1VCMJTIJOH-$4,#%/ $PMMFDUJPO-$4,#%/ /FHPUJBUJPO Discount Shipping Guarantee Guarantee 4UBOECZ-FUUFSPG$SFEJU

5JEBLIBOZBJUV CBHJQBSBQFOHVTBIBZBOHEBMBNNFOKBMBOLBO LFHJBUBO VTBIBOZB UJEBL NFOHHVOBLBO TLFNB QFNCBZBSBO dengan menggunakan Letter of Credit maka dapat ditawarkan CFSCBHBJMBZBOBOUSBOTBLTJ EJBOUBSBOZB

/PU POMZ UIBU  GPS FOUSFQSFOFVST DPOEVDUJOH UIF CVTJOFTT operation without the Letter of Credit as the scheme of QBZNFOU UIF#BOLPGGFSTBXJEFSBOHFPGUSBOTBDUJPOTFSWJDFT  JODMVEJOH

• •

• •

Open Account Financing Bill Collection Financing

Open Account Financing Bill Collection Financing

Guna terus meningkatkan pertumbuhan bisnis dan peningkatan fee based income, selain mendorong aktivitas USBEFmOBODF dan remitansi pada tahun 2014, peran Financial Institution sebagai salah satu QSPmU DFOUFS dalam bisnis perbankan terus dikembangkan, melalui pemasaran produk QSPEVLBOUBSCBOL5SBOTBLTJBOUBSCBOLZBOHTBBUJOJTVEBI berjalan dan memberikan kontribusi terhadap peningkatan fee based income adalah produk Guarantee under Counter Guarantee dan Counterparty Bank Trade Financing ZBOH UFMBINFODBUBULBOWPMVNFUSBOTBLTJZBOHDVLVQTJHOJmLBOEJ banding tahun 2013.

To enhance business growth and increase fee-based income, JO BEEJUJPO UP FODPVSBHJOH USBEF mOBODF BOE SFNJUUBODF  JO  UIF SPMF PG UIF 'JOBODJBM *OTUJUVUJPO BT POF PG UIF QSPmU centres in the banking business continues to be develop, through the marketing of products among banks. The interbank USBOTBDUJPOT XIJDI BSF DVSSFOUMZ SVOOJOH BOE DPOUSJCVUJOH to the increase of fee-based income are Guarantee under $PVOUFS (VBSBOUFF BOE $PVOUFSQBSUZ #BOL 5SBEF 'JOBODJOH XIJDI SFDPSEFE TJHOJmDBOU USBOTBDUJPO WPMVNF DPNQBSFE UP UIFZFBS

Trade Financing BOUBSCBOL UFSTFCVU NFNJMJLJ QPUFOTJ ZBOH cukup besar sebagai kontributor penambah fee based income. Produk ini diharapkan juga dapat membawa bank bjb TFKBKBSEFOHBOCBOLCBOLCFTBSMBJOOZBEBMBNCJEBOHTrade Finance and Services.

The interbank Trade Financing has considerable potential as a contributor to enhance fee-based income. This product is also expected to bring bank bjb equal with other major banks in the mFMEPG5SBEF'JOBODFBOE4FSWJDFT

Produk Remitansi

Remittance Products

Selain melalui produk USBEFmOBODF EBMBNVQBZBNFOEVLVOH pencapaian fee based TFSUB  NFNCFSJLBO QFMBZBOBO QSJNB LFQBEB NBTZBSBLBU MVBT  QSPEVL SFNJUBOTJ UFSVT NFOFSVT dikembangkan dan dipromosikan agar dapat dimanfaatkan PMFI NBTZBSBLBU MVBT ZBOH NFNFSMVLBO MBZBOBO QFSCBOLBO

*O BEEJUJPO UISPVHI USBEF mOBODF QSPEVDUT  JO UIF FGGPSU UP support the achievement of fee-based and provide excellent services to the general public, remittance products are DPOUJOVPVTMZ EFWFMPQFE BOE QSPNPUFE GPS UIF CFOFmU PG UIF XJEFSDPNNVOJUZXIPSFRVJSFCBOLJOHTFSWJDFTJOUIFSFNPUF

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

157 INTERNATIONAL & TREASURY

sampai ke pelosok daerah. Produk remitansi tersebut mencakup bjb transfer valas, Western Union, maupun bjb quickcash.

BSFBT5IFSFNJUUBODFQSPEVDUTJODMVEFCKCGPSFJHODVSSFODZ transfers, Western Union, and bjb quickcash.

Produk bjb quickcash NFSVQBLBO TJTUFN ZBOH EJCBOHVO secara internal oleh bank bjb. Produk ini akan diintegrasikan EFOHBO TJTUFN SFNJUBOTJ ZBOH EJNJMJLJ PMFI BHFO SFNJUBOTJ di empat (4) negara, sehingga memberikan keleluasaan LFQBEB QFOHJSJN VBOH EJ MVBS OFHFSJ VOUVL NFNJMJI MBZBOBO penerimaan uang di dalam negeri melalui cash to cash, cash to bjb account, cash to non bjb account.

bjb RVJDLDBTI JT B TZTUFN CVJMU JOUFSOBMMZ CZ CBOL bjb. This QSPEVDUXJMMCFJOUFHSBUFEXJUIUIFSFNJUUBODFTZTUFNPXOFE CZ UIF SFNJUUBODF BHFOUT JO  GPVS  DPVOUSJFT  UIVT HJWJOH nFYJCJMJUZ GPS NPOFZ TFOEFST GSPN PWFSTFBT UP DIPPTF UIF TFSWJDF UP SFDFJWF UIF NPOFZ JO UIF DPVOUSZ UISPVHI DBTI UP cash, cash to bjb account, cash to a non bjb account.

bank bjb CFSIBSBQ EBQBU NFNCFSJLBO LFOZBNBOBO bertransaksi dengan menggunakan bjb quickcash bukan IBOZB LFQBEB OBTBCBI  UFUBQJ KVHB LFQBEB BHFO SFNJUBOTJ ZBOHBLBOCFLFSKBTBNBEFOHBOCBOLbjb)BMJUVEJXVKVELBO EFOHBO EJMBLVLBOOZB QFOHFNCBOHBO TJTUFN TFDBSB berkesinambungan agar dapat memenuhi ekspektasi dari para remitting agentZBOHCFLFSKBTBNB TFIJOHHBLFHJBUBO SFNJUBOTJ BLBO NFOKBEJ MFCJI FGFLUJG  FmTJFO EBO EBQBU diandalkan.

bank bjb hopes to provide the convenience of transacting XJUIUIFVTFPGCKCRVJDLDBTIOPUPOMZUPDVTUPNFST CVUBMTP to the remittance agents who will work with bank bjb. This is SFBMJ[FE UISPVHI UIF EFWFMPQNFOU PG UIF TZTUFN PO BO PO going basis in order to meet the expectations of the remittance agents working together with bank bjb, thus the activities of SFNJUUBODFXPVMECFNPSFFGGFDUJWF FGmDJFOUBOESFMJBCMF

)JOHHB TBBU JOJ  QFOHFNCBOHBO ZBOH CFSLFTJOBNCVOHBO tersebut telah berhasil menampilkan berbagai alternatif solusi ZBOHEBQBUEJNBOGBBULBOPMFIQBSBremitting agent rekanan bank bjb sesuai dengan kebutuhan. Mulai dari Desktop Solution, Host to Host EBOZBOHNBTJIUFOHBIEJLFNCBOHLBO ZBJUVWeb Portal.

Until now, the continuous development has managed to EJTQMBZBWBSJFUZPGBMUFSOBUJWFTPMVUJPOTUIBUDBOCFVUJMJ[FEBT OFFEFECZUIFSFNJUUJOHBHFOUTQBSUOFSTPGCBOLbjb, starting GSPN%FTLUPQ4PMVUJPO )PTUUP)PTU BOEUIFXFC1PSUBMXIJDI is still being developed.

Perusahaan berpandangan bahwa bisnis dalam bidang remitansi cukup menjanjikan. Karena itu, persaingan baik dengan bank maupun non bank menjadi semakin ketat. Dalam LPOUFLTJOJMBI QSPNPTJNFOKBEJBLUJWJUBTZBOHTBOHBUQFOUJOH QFSBOOZB UFSVUBNBEBMBNIBMQFOJOHLBUBObrand awareness produk remittance bank bjb.

5IF $PNQBOZ CFMJFWFT UIBU UIF SFNJUUBODF CVTJOFTT JT promising. Therefore, the competition either with banks and OPOCBOLTBSFCFDPNJOHJODSFBTJOHMZTUSJOHFOU*OUIJTDPOUFYU  QSPNPUJPOCFDPNFTBOBDUJWJUZUIBUIBTBWFSZJNQPSUBOUSPMF  FTQFDJBMMZ JO UFSNT PG JODSFBTJOH CSBOE BXBSFOFTT PG CBOL bjb’s remittance product.

STRATEGI

STRATEGY

.FOHJOHBU QFSTBJOHBO ZBOH TFNBLJO LFUBU  LIVTVTOZB EJ bidang remitansi, bank bjb telah merealisasikan serangkaian TUSBUFHJ BHBS MBZBOBO ZBOH EJCFSJLBO 1FSVTBIBBO UFUBQ NFNCFSJLBO LFOZBNBOBO CBHJ QFMBOHHBO  TFLBMJHVT NFOJOHLBULBO QFOFUSBTJ QBTBS %FOHBO TFNBLJO CBOZBLOZB QFOHHVOB KBTB ZBOH EJUBXBSLBO PMFI QSPEVL %JWJTJ Internasional ini, perolehan fee based income bank bjb juga dapat meningkat.

(JWFOUIFJODSFBTJOHMZUJHIUDPNQFUJUJPO FTQFDJBMMZJOUIFmFME of remittance, bank bjb has realized a series of strategies GPS UIF TFSWJDFT QSPWJEFE CZ UIF $PNQBOZ UP DPOUJOVF UP provide convenience for customers, while increasing market penetration. With the increasing number of users of services PGGFSFE CZ UIF *OUFSOBUJPOBM %JWJTJPOT QSPEVDUT  CBOL bjb’s BDRVJTJUJPOPGGFFCBTFEJODPNFNBZBMTPJODSFBTF

bank bjb Annual Report 2014

158

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

INTERNASIONAL & TRESURI

#FCFSBQB JOJTJBUJG ZBOH EJKBMBOLBO TFQBOKBOH UBIVO   EJ BOUBSBOZBBEBMBI

4PNF PG UIF JOJUJBUJWFT VOEFSUBLFO EVSJOH UIF ZFBS   BNPOHPUIFST

A. Pemasaran dan Promosi Perusahaan senantiasa gencar memperkenalkan produk ZBOH EJNJMJLJ LFQBEB OBTBCBI ZBOH UFMBI BEB NBVQVO calon nasabah. Kegiatan pemasaran dan promosi dilakukan melalui beragam saluran komunikasi dan TUSBUFHJ ZBOHEJBOUBSBOZBBEBMBI

A. Marketing and Promotion  5IF $PNQBOZ DPOUJOVPVTMZ JOUSPEVDFE QSPEVDUT UP UIF existing and prospective customers. Marketing and QSPNPUJPOBMBDUJWJUJFTXFSFDBSSJFEPVUUISPVHIBWBSJFUZPG DPNNVOJDBUJPODIBOOFMTBOETUSBUFHJFT XIJDIJODMVEFE

1. Produk Trade Finance Kegiatan pemasaran untuk produk USBEF mOBODF, di BOUBSBOZBEJMBLVLBONFMBMVJ a. Gathering dengan nasabah dan calon nasabah QPUFOTJBM  TFQFSUJ #,1.  #,1.%  LPNVOJUBT CJTOJT  BTPTJBTJ QFOHVTBIB  ,BEJO  )*1.*  )*11* ZBOHNFNJMJLJPSJFOUBTJUSBOTBLTJFLTQPSJNQPSEBO perdagangan dalam negeri. C .FNCFSJLBO FEVLBTJ LFQBEB NBTZBSBLBU luas, seperti bank bjb secara regular menjadi OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH NFMJCBULBO para eksportir dan importir bekerja sama dengan Dinas perindustrian dan Perdagangan Jawa #BSBU EJ TFMVSVI ,PUB EBO LBCVQBUFO EJ 8JMBZBI kerja bank bjb dan Kementrian Perdagangan TFSUBLIVTVTOZBZBOHEJTFMFOHHBSBLBOPMFI#BMBJ Pelatihan. c. Mengembangkan jaringan bank koresponden dan counterparty untuk memperluas network. 4BBU JOJ  UFMBI MFCJI EBSJ  CBOL LPSFTQPOEFO dibuka dengan bank di berbagai negara maupun MFNCBHBLFVBOHBOOPOCBOLMBJOOZB E 4FMBJO JUV  VOUVL NFOHPQUJNBMLBO QFSBOOZB sebagai QSPmU DFOUFS, Financial Institution TFDBSB CFSLFTJOBNCVOHBO CFSVQBZB VOUVL TFOBOUJBTB NFOBOHLBQ QFMVBOH CJTOJT ZBOH dapat meningkatkan fee based income )BM JUV dilakukan melalui hubungan kerja sama dengan Counterparty.

1. Products Trade Finance  .BSLFUJOH BDUJWJUJFT GPS UIF USBEF mOBODF QSPEVDUT  JODMVEFE a. Gathering with customers and potential customers, TVDI BT #,1.  #,1.%  CVTJOFTT DPNNVOJUZ  business associations, The Chamber of Commerce, )*1.*  )*11* XJUI UIF PSJFOUBUJPO PG FYQPSUJNQPSU transactions and domestic trade. C &EVDBUF UIF HFOFSBM QVCMJD  BNPOH PUIFST CZ SFHVMBSMZCFJOHUIFHVFTUTQFBLFSBUWBSJPVTFWFOUT involving exporters and importers in collaboration XJUIUIF%FQBSUNFOUPG*OEVTUSZBOE$PNNFSDFPG West Java in all of the cities and districts in the work areas of bank bjb BOE UIF .JOJTUSZ PG $PNNFSDF BOEJOQBSUJDVMBSPSHBOJ[FECZUIF5SBJOJOH$FOUSF c. Develop a network of correspondent banks and DPVOUFSQBSUJFT UP FYQBOE UIF OFUXPSL $VSSFOUMZ  NPSF UIBO  DPSSFTQPOEFOU CBOLT BSF PQFOFE with banks in various countries and other non-bank mOBODJBMJOTUJUVUJPOT E *O BEEJUJPO  UP PQUJNJ[F JUT SPMF BT B QSPmU DFOUFS  'JOBODJBM *OTUJUVUJPO DPOUJOVPVTMZ TUSJWF UP DBQUVSF business opportunities that can increase feebased income. This was performed through a cooperative relationship with the Counterparties.

2. Produk Remitansi Beberapa kegiatan pemasaran di bidang remitansi ini EJMBLVLBOEJEBMBNEBOMVBSOFHFSJ NJTBMOZB a. kegiatan sponsorship )65 3* CFLFSKB TBNB EFOHBO ,POTVMBU +FOESBM 3FQVCMJL *OEPOFTJB EJ )POH,POH

2. Remittance Products 4PNF PG UIF NBSLFUJOH BDUJWJUJFT JO UIF mFME PG SFNJUUBODFQFSGPSNFEEPNFTUJDBMMZBOEBCSPBEXFSF B 3* "OOJWFSTBSZ $PNNFNNPSBUJPO TQPOTPSTIJQ JO collaboration with the Consulate General of the 3FQVCMJDPG*OEPOFTJBJO)POH,POH

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

159 INTERNATIONAL & TREASURY

b. Pemasaran bersama Agent Remittance di Singapura. c. Kerja sama dengan Kementerian Tenaga Kerja dan Transmigrasi Indonesia melakukan edukasi mengenai produk-produk perbankan, terutama remitansi kepada TKI (Purna TKI ) dan keluarga 5,* ZBOH QBEB QFMBLTBOBBOZB CFLFSKB TBNB dengan instansi pemerintah seperti Kementerian 5FOBHB,FSKB %JTOBLFSUSBOT+BXB#BSBU #/15,* EBO8PSME#BOLZBOHUFMBIEJMBLVLBOEJ UVKVI  MPLBTJ LBOUPOH 5,* ZBJUV %FOQBTBS  $JSFCPO  3BOHLBT #BOKBS 5BTJL $JCVCVSEBO4VLBCVNJ

C +PJOU NBSLFUJOH XJUI UIF 3FNJUUBODF "HFOU JO Singapore. D $PPQFSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE Transmigration Indonesia to educate about CBOLJOH QSPEVDUT  NBJOMZ SFNJUUBODF UP UIF Indonesian Workers/ TKI (ex-TKI) and their families in collaboration with the government agencies such BTUIF.JOJTUSZPG-BCPVS UIF#PBSEPG.BOQPXFS and Transmigration of West Java (Disnakertrans), #/15,* BOE UIF 8PSME #BOL QFSGPSNFE JO  TFWFO  MPDBUJPOT OBNFMZ %FOQBTBS  $JSFCPO  3BOHLBT #BOKBS 5BTJL $JCVCVSBOE4VLBCVNJ

B. Pengembangan Infrastruktur  6OUVL NFOEVLVOH VQBZB CBOL bjb NFNCFSJLBO MBZBOBO prima kepada nasabah, Divisi Internasional terus NFNQFSLVBU EBO NFNBOUBQLBO  JOGSBTUSVLUVSOZB ZBOH EJMBLVLBO  QBEB QFOHFNCBOHBO BQMJLBTJ MBZBOBO EBO TVNCFSEBZBNBOVTJB

B. Development of Infrastructure To support the efforts of bank bjb to provide excellent servicea to customers, the International Division continued UP TUSFOHUIFO BOE TPMJEJGZ JUT JOGSBTUSVDUVSF UISPVHI UIF development of application of services and human resources.

1. Infrastruktur di Bidang Trade Finance dan Jasa Penanganan dokumen USBEF mOBODF dan jasa ZBOH EJMBLVLBO TFDBSB UFSQVTBU TFKBL UBIVO  Pengelolaan transaksi operasional dilaksanakan oleh checker EBO BOBMJT ZBOH CFSQFOHBMBNBO EJ CJEBOH USBEFmOBODF dan jasa, sehingga semakin memberikan OJMBJ UBNCBI EBMBN NFNCFSJLBO  QFMBZBOBO QSJNB kepada nasabah bank bjb sesuai dengan komitmen bank. Untuk itu bank bjb sedang melakukan QFOHFNCBOHBO TJTUFN 5* 1MVT ZBOH EJIBSBQLBO dapat segera diimplementasikan termasuk rencana NFOFSBQLBO 4FSUJmLBTJ *40  EBMBN NFNCFSJLBO QFMBZBOBO LFQBEB OBTBCBI HVOB NFOJOHLBULBOEBZBTBJOH

 ,QIUDVWUXFWXUH LQ WKH ÀHOG RI 7UDGH )LQDQFH DQG Services  5IFIBOEMJOHPG5SBEFmOBODFEPDVNFOUTBOETFSWJDFT JTQFSGPSNFEDFOUSBMMZTJODF.BOBHFNFOUPGUIF USBOTBDUJPOT JT DBSSJFE PVU CZ DIFDLFS BOE BOBMZTUT FYQFSJFODFEJOUIFmFMEPGUSBEFmOBODFBOETFSWJDFT  thus providing added value in providing excellent services to customers of bank bjb in accordance with the Bank’s commitments. To that end, bank bjb JT DVSSFOUMZ EFWFMPQJOH UIF *5 1MVT TZTUFN XIJDI is expected to be implemented including the plan UP BQQMZ *40  JO QSPWJEJOH TFSWJDFT UP customers in order to increase competitiveness.

2. Infrastruktur di Bidang Remitansi (bjb quickcash) Pengembangan Aplikasi bjb quickcash juga dilakukan secara terus menerus untuk mewujudkan bisnis model SFNJUBOTJ ZBOH TFNBLJO EBQBU EJBOEBMLBO )JOHHB akhir tahun 2014, alternatif solusi Host to Host terus dikembangkan disesuaikan dengan kebutuhan agar dapat lebih optimal dan user friendly. Selain itu, pengembangan aplikasi bjb quickcash melalui mekanisme Web Portal juga sedang dalam proses QFOHFNCBOHBO EBOSFODBOBOZBQBEBUBIVO  akan dikembangkan alternatif solusi melalui Online Solution.

2. Infrastructure in Remittance (bjb quickcash) The development of bjb quickcash application is also QFSGPSNFE DPOUJOVPVTMZ UP SFBMJ[F BO JODSFBTJOHMZ reliable business model of remittance. Until the end of  UIFBMUFSOBUJWFTPMVUJPOPG)PTUUP)PTUDPOUJOVFT to be developed adapted to the needs in order to CF NPSF PQUJNBM BOE VTFS GSJFOEMZ *O BEEJUJPO  UIF development of bjb quickcash through the web portal mechanism is also in the process of development, and in 2015 the Online Solution the will be develop as an alternative solution.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

160

INTERNASIONAL & TRESURI

C. Pengembangan Layanan 1. Komitmen untuk memberikan service excellent terhadap nasabah, dengan selalu mengedepankan SLA (Service Level Agreement) dalam memberikan QFMBZBOBO 1FOHFMPMBBO 0QFSBTJPOBM Trade Finance TFDBSB UFSQVTBU NFNCFSJLBO CFOFmU CFSVQB standardisasi dan konsistensi terhadap pemenuhan SLA dalam penanganan transaksi perdagangan.

C. Development of Services 1. We are committed to provide service excellence UP PVS DVTUPNFST  CZ BMXBZT QSJPSJUJ[JOH UIF 4-" (Service Level Agreement) in providing services. The centralized management of Trade Finance operations QSPWJEFT CFOFmUT JO UIF GPSN PG TUBOEBSEJ[BUJPO BOE DPOTJTUFODZPOUIFDPNQMJBODFUP4-"JOUIFIBOEMJOH of trade transactions.

 ,PNJUNFO VOUVL NFNCFSJLBO QFMBZBOBO QSJNB kepada nasabah remitansi melalui optimalisasi fungsi Unit CSC (Customer Service Care) untuk penanganan complaint handling.

2. The commitment to provide excellent service to the remittance customers through the optimization of the function of the CSC Unit (Customer Service Care) for the handling of complaint.

3. Melaksanakan fungsi advisory untuk memberikan TPMVTJUFSCBJLMBZBOBOQFSCBOLBOUFSLBJUUSBEFmOBODF bagi nasabah.

 $BSSZ PVU BO BEWJTPSZ GVODUJPO UP QSPWJEF UIF CFTU TPMVUJPOTPGCBOLJOHTFSWJDFTSFMBUFEUPUSBEFmOBODF to our customers.

 1FOBNCBIBO KBSJOHBO TFSUB TJTUFN ZBOH UFSVT dikembangkan untuk dapat mendukung transaksi bjb quickcash EBMBN NFOKBOHLBV OBTBCBI ZBOH CFSBEB di daerah.

 5IF BEEJUJPO PG OFUXPSLT BOE TZTUFN XIJDI BSF DPOTUBOUMZ EFWFMPQFE UP TVQQPSU CKC RVJDLDBTI transactions in reaching the customers in the regions.

D. Proses Bisnis  1FOZFNQVSOBBO QSPTFT CJTOJT NFMBMVJ JNQMFNFOUBTJTFSUJmLBTJ*40

bank bjb Laporan Tahunan 2014

QFSTJBQBO

D. Business Process  3FmOFNFOU PG UIF CVTJOFTT QSPDFTT UISPVHI UIF QSFQBSBUJPO PG UIF JNQMFNFOUBUJPO PG *40  DFSUJmDBUJPO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

161 INTERNATIONAL & TREASURY

KINERJA 2014

2014 PERFORMANCE

Trade Finance

Trade Finance

1FOHFNCBOHBOCJTOJTZBOHEJMBLVLBOTFQBOKBOHUBIVO UFMBI NFOVOKVLBO USFO ZBOH DVLVQ QPTJUJG )BM JOJ EJUBOEBJ dengan kinerja bisnis USBEF mOBODF bank bjb ZBOH CFSIBTJM meraih total volume transaksi selama tahun 2014 mencapai WPMVNF   NJMJBS UFSNBTVL EJ EBMBNOZB WPMVNF USBOTBLTJ antarbank.

Business development conducted throughout 2014 has shown QPTJUJWFUSFOE5IJTXBTSFnFDUFECZUIFQFSGPSNBODFPGCBOL bjbT USBEF mOBODF XJUI B UPUBM USBOTBDUJPO WPMVNF PG  billion throughout 2014, including the volume of interbank transactions.

Bisnis Remitansi

Remittance Business

Kinerja pencapain target fee based remittance selama tahun 2014 secara keseluruhan mencapai 114,45% dari target. Pencapaian tersebut terjadi selaras dengan strategi QFNBTBSBO ZBOH UFMBI EJMBLVLBO TFMBNB UBIVO   ZBJUV QFOBNCBIBO5FSNJOBM*%TVCBHFOU #13

BHFOEJMVBSOFHFSJ  QSPNPTJQSPNPTJZBOHUFMBIEJMBLVLBOTFQBOKBOHUBIVO  EBOCFSUBNCBIOZBKBSJOHBOLBOUPSCBOLbjb.

The achievement of the target of fee-based remittance during 2014 overall reached 114.45% of the target. The achievement XBTBMJHOFEXJUIUIFNBSLFUJOHTUSBUFHZUIBUIBTCFFODBSSJFE PVUEVSJOH OBNFMZUIFBEEJUJPOPG5FSNJOBM*%TVCBHFOU #13

 PWFSTFBT BHFOUT  QSPNPUJPOT DPOEVDUFE UISPVHIPVU 2014, and the increase of bank bjbPGmDFOFUXPSL

1FMBZBOBO SFNJUBOTJ CBOL bjb TBBU JOJ CJTB EJMBZBOJ EJ  outlet. Seiring penambahan outlet ke depan, diharapkan semakin meningkatkan perolehan fee based dari bisnis remitansi.

bank bjbT SFNJUUBODF TFSWJDFT BSF DVSSFOUMZ TFSWFE JO  outlets. The addition of outlets in the future is expected to further increase fee-based acquisition from the remittance business.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

162

INTERNASIONAL & TRESURI

RENCANA 2015

2015 PLAN

Dalam rangka meningkatkan kinerja jasa pada unit usaha internasional, bank bjb UFMBI NFOZJBQLBO TFKVNMBI JOJTJBUJG ZBOHBLBOEJSFBMJTBTJLBOQBEBUBIVO

In order to improve the performance of services in the international business unit, bank bjb prepared a number of JOJUJBUJWFTUIBUXJMMCFSFBMJ[FEJO OBNFMZ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

163 INTERNATIONAL & TREASURY

TRESURI

TREASURY

%JWJTJ 5SFBTVSZ TFCBHBJ  QFOHFMPMB MJLVJEJUBT CBOL TFDBSB keseluruhan, senantiasa terus meningkatkan aktivitas CJTOJTOZBEBMBNSBOHLBPQUJNBMJTBTJMJLVJEJUBTEBOQFOJOHLBUBO QFOEBQBUBO CBOL /BNVO QBEB UBIVO   1FSVTBIBBO NFNBOEBOHTFCBHBJQFSJPEFZBOHQFOVIUBOUBOHBOEJQBTBS keuangan.

5IF 5SFBTVSZ %JWJTJPO BT UIF PWFSBMM NBOBHFS PG UIF #BOLT MJRVJEJUZ BMXBZT JODSFBTFT JUT CVTJOFTT BDUJWJUJFT JO PSEFS UP PQUJNJ[FUIF#BOLTMJRVJEJUZBOEJODSFBTFSFWFOVF)PXFWFS  UIF $PNQBOZ TFFT  BT B DIBMMFOHJOH QFSJPE JO UIF mOBODJBMNBSLFU

Dari pasar domestik, suasana politik akibat Pemilu serta QFMFNBIBOQFSFLPOPNJBO*OEPOFTJBEFOHBOUJOHHJOZBEFmTJU OFSBDB QFSEBHBOHBO  UFMBI NFOEPSPOH LFOBJLBO JOnBTJ 4FNFOUBSB EBSJ QBTBS HMPCBM  nVLUVBTJ QBTBS LFVBOHBO terutama disebabkan oleh rencana kenaikan suku bunga Amerika Serikat (Fed Rate  TFUFMBI CFSBLIJSOZB QSPHSBN stimulus ekonomi Quantitative Easing.

In the domestic market, the political condition due to the presidential election and the weakening of the Indonesian FDPOPNZ EVF UP UIF IJHI EFmDJU PG UIF CBMBODF PG USBEF DBVTFE JOnBUJPO UP SJTF .FBOXIJMF JO UIF HMPCBM NBSLFU  UIF nVDUVBUJPOTXJUIJOUIFmOBODJBMNBSLFUXBTNBJOMZDBVTFECZ UIFQMBOUPJODSFBTF64JOUFSFTUSBUFT 'FE3BUF BGUFSUIFFOE of the Quantitative Easing economic stimulus program.

Selain itu, pemerintah memutuskan untuk menaikan harga ##.CFSTVCTJEJTFCFTBS3QQFSMJUFSZBOHNFNCFSJLBO UFLBOBO JOnBTJ TFIJOHHB #BOL *OEPOFTJB NFOBJLBO #* Rate NFOKBEJ TFCFTBS   EJ QFOHIVKVOH UBIVO   /BNVO demikian, kenaikan suku bunga acuan tersebut masih dalam LPSJEPS ZBOH UFSKBHB  TFIJOHHB MJLVJEJUBT EBMBN BLUJWJUBT transaksi pasar uang antar bank tetap terjaga.

In addition, the Government decided to raise the price of TVCTJEJ[FE GVFM BU 3Q  QFS MJUFS QSPWJEJOH JOnBUJPOBSZ QSFTTVSFDBVTJOH#BOL*OEPOFTJBUPSBJTFUIF#*3BUFUP BUUIFFOEPG)PXFWFS UIFJODSFBTFJOUIFCFODINBSL interest rate still remained within a maintained corridor, thus MJRVJEJUZ XJUIJO UIF UIF JOUFSCBOL NPOFZ NBSLFU USBOTBDUJPOT was able to be maintained.

Selain itu, dinamika nilai tukar rupiah terhadap dolar AS juga memberikan tantangan tersendiri bagi Perusahaan, LIVTVTOZB %JWJTJ 5SFBTVSZ 4FCBC CBOL bjb harus menjaga LFTFJNCBOHBO EBMBN QFOHFMPMBBO NBUB VBOH  LIVTVTOZB terkait dengan mata uang asing agar tidak menjadi beban Perusahaan.

'VSUIFSNPSF  UIF EZOBNJDT PG UIF FYDIBOHF SBUF PG 3VQJBI against the US dollar also provided a challenge for the $PNQBOZ  QBSUJDVMBSMZ UIF 5SFBTVSZ %JWJTJPO CFDBVTF CBOL bjbCBOLTNVTUNBJOUBJOBCBMBODFJODVSSFODZNBOBHFNFOU  QBSUJDVMBSMZ XJUI SFTQFDU UP GPSFJHO DVSSFODZ TP BT OPU UP CFDPNFBCVSEFOGPSUIF$PNQBOZ

STRATEGI

STRATEGY

Di tengah Dinamika eksternal seperti itu, Perusahaan telah mengimplementasikan sejumlah inisiatif strategi demi menjaga kinerja bank bjb agar tetap sesuai dengan koridor. #FCFSBQBJOJTJBUJGUFSTFCVU EJBOUBSBOZB

*O UIF NJETU PG TVDI FYUFSOBM EZOBNJDT  UIF $PNQBOZ implemented a number of strategic initiatives in order to maintain the bank bjbQFSGPSNBODFTPUIBUJUTUBZTXJUIJOUIF DPSSJEPS4PNFPGUIFTFJOJUJBUJWFTJODMVEF

1. Lindung Nilai Strategi lindung nilai (hedging) ini sejalan dengan LFCJKBLBO #BOL *OEPOFTJB EBO ,FNFOUFSJBO #6./ ZBOH NFOHJNCBV BHBS LPSQPSBTJ #BEBO 6TBIB .JMJL /FHBSB #6./ NFMBLVLBOUSBOTBLTJMJOEVOHOJMBJEBMBN mengelola nilai tukar dan suku bunga.

1. Hedging  5IFTUSBUFHZPGIFEHJOHJTJOMJOFXJUIUIFQPMJDZPG#BOL *OEPOFTJB BOE UIF .JOJTUSZ PG 4UBUF0XOFE &OUFSQSJTFT (SOE) to perform hedging transactions to manage exchange rate and interest rate.

bank bjb Annual Report 2014

164

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

INTERNASIONAL & TRESURI

2. Perluasan Jalur dan Sosialisasi Sebagai tindak lanjut atas kebijakan lindung nilai, bank bjb NFMBMVJ %JWJTJ 5SFBTVSZ MFCJI BLUJG NFNQFSMVBT forex dan derivative line. Kegiatan ini dilakukan dalam rangka mengamankan pengelolaan mata uang asing di bank bjb.

2. Expansion Path and Socialization  "T B GPMMPXVQ UP UIF IFEHJOH QPMJDZ  CBOL bjb through UIF 5SFBTVSZ %JWJTJPO BDUJWFMZ FYQBOEFE UIF GPSFY BOE EFSJWBUJWF MJOFT 5IJT BDUJWJUZ XBT DBSSJFE PVU JO PSEFS UP TFDVSFGPSFJHODVSSFODZNBOBHFNFOUBUCBOLbjb.

3. bjb TIP FX  6OUVL USBOTBLTJ WBMVUB BTJOH OBTBCBI  %JWJTJ 5SFBTVSZ NFNGBTJMJUBTJOZBEBMBNTJTUFNbjb5*1'9)BMJUVEJMBLVLBO untuk memenuhi kebutuhan pricing bagi nasabah secara real time.

3. bjb TIP FX  5IF 5SFBTVSZ %JWJTJPO GBDJMJUBUFT DVTUPNFS GPSFJHO exchange transactions through bjb5*1'9TZTUFN5IJTJT conducted to meet the customer’s needs of pricing in real time.

4. Pelatihan Perusahaan juga mengadakan pelatihan mengenai bjb TIP FX dan Treasury productLFQBEBLBSZBXBOCBOLbjb LIVTVTOZB $BCBOH %FWJTB  TFIJOHHB EJIBSBQLBO EBQBU meningkatkan pemahaman dalam memasarkan produk Treasury LIVTVTOZB USBOTBLTJ WBMVUB BTJOH CBHJ $BCBOH Devisa.

4. Training  5IF DPNQBOZ BMTP IFME USBJOJOHT PO bjb TIP FX and 5SFBTVSZQSPEVDUTGPSUIFCBOLbjbFNQMPZFFTFTQFDJBMMZJO the Foreign Exchange Branch. The trainings are expected UP JNQSPWF UIF VOEFSTUBOEJOH JO 5SFBTVSZ QSPEVDUT NBSLFUJOH  FTQFDJBMMZ GPSFJHO FYDIBOHF USBOTBDUJPOT GPS the Foreign Exchange Branch.

5. Sosialisasi  4FMBJO JUV  1FSVTBIBBO NFMBMVJ %JWJTJ 5SFBTVSZ KVHB melakukan sosialisasi ke cabang devisa dan juga nasabah mengenai Hedging instruments. Kegiatan ini diharapkan dapat membantu nasabah dalam mengelola risiko nilai tukar dan juga suku bunga seperti FX Forward, FX Swaps, Interest Rate Swaps dan Cross Currency Swaps mengingat potensi permintaan untuk melakukan transaksi lindung nilai (hedging

LIVTVTOZBEBSJOBTBCBILPSQPSBTJ #6./DVLVQUJOHHJ

5. Socialization  *O BEEJUJPO  UIF $PNQBOZ UISPVHI UIF 5SFBTVSZ %JWJTJPO also socialized the hedging instruments to the foreign exchange branches and also to the customers. This BDUJWJUZ JT FYQFDUFE UP BTTJTU DVTUPNFST JO NBOBHJOH foreign exchange and interest rate risks as well as FX 'PSXBSE  '9 4XBQT  *OUFSFTU 3BUF 4XBQT BOE $SPTT $VSSFODZ 4XBQT DPOTJEFSJOH UIF QPUFOUJBM EFNBOE GPS IFEHJOH USBOTBDUJPOT QBSUJDVMBSMZ GSPN 40& DVTUPNFST JT TJHOJmDBOUMZIJHI

KINERJA 2014

2014 PERFORMANCE

%J UFOHBI CFSBHBN UBOUBOHBO ZBOH UFSKBEJ TFQBOKBOH UBIVO  %JWJTJ5SFBTVSZNBNQVNFNCVLVLBOQFOEBQBUBOZBOH DVLVQCBJL ZBJUVTFCFTBS3Q NJMJBSZBOHEJQFSPMFIEBSJ transaksi jual beli valas, surat berharga serta penempatan dana pada instrumen pasar uang.

In the midst of the various challenges that arise throughout  UIF5SFBTVSZ%JWJTJPOXBTBCMFUPSFDPSEBGBJSMZHPPE JODPNF  BNPVOUJOH 3Q CJMMJPO FBSOFE GSPN CVZJOH and selling foreign currencies, securities and placements in NPOFZNBSLFUJOTUSVNFOUT

%JWJTJ 5SFBTVSZ KVHB UFSVT NFOJOHLBULBO BLUJWJUBT QFOKVBMBO WBMVUB BTJOH EFOHBO NFNQFSCBOZBL customer based  NFNCFSJLBO IBSHB ZBOH LPNQFUJUJG TFSUB UFSVT mengembangkan sistem bjb 5*1'9 ZBOH NFSVQBLBO electronic trading systemZBOHNFNQFSNVEBIUSBOTBLTJWBMBT nasabah di kantor cabang bank bjb.

5IF5SFBTVSZ%JWJTJPOBMTPDPOUJOVFEUPJODSFBTFUIFTBMFTPG GPSFJHO DVSSFODJFT CZ JODSFBTJOH DVTUPNFS CBTF  QSPWJEJOH competitive prices and continue to develop the bjb TIP-FX TZTUFN OBNFMZ UIF FMFDUSPOJD USBEJOH TZTUFN UIBU GBDJMJUBUF customer foreign exchange transactions in the branches.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

165 INTERNATIONAL & TREASURY

Transaksi Money Market

Money Market Transactions

Pengelolaan dan optimalisasi ekses likuiditas melalui transaksi pasar uang (money market) merupakan salah satu aktivitas %JWJTJ 5SFBTVSZ ZBOH NFNCFSJLBO QFOEBQBUBO DVLVQ UJOHHJ 4FQBOKBOH UBIVO   QFOEBQBUBO ZBOH EJQFSPMFI NFMBMVJ transaksi money marketTFCFTBS3Q NJMJBS

&YDFTT MJRVJEJUZ NBOBHFNFOU BOE PQUJNJ[BUJPO UISPVHI NPOFZ NBSLFU USBOTBDUJPOT JT POF PG UIF BDUJWJUJFT PG UIF 5SFBTVSZ%JWJTJPOXIJDIDPOUSJCVUFTTJHOJmDBOUMZIJHIJODPNF 5ISPVHIPVU UIFJODPNFFBSOFEUISPVHINPOFZNBSLFU USBOTBDUJPOTBNPVOUFEUP3QCJMMJPO

Aktivitas money marketZBOHEJMBLVLBOBOUBSBMBJOQFOFNQBUBO melalui instrumen moneter Bank Indonesia, penempatan antar bank maupun optimalisasi melalui gapping. Saat ini bank bjb NFSVQBLBO TBMBI TBUV CBOL LPOUSJCVUPS +*#03 +BLBSUB Interbank Offered Rate  ZBOH EJUVOKVL #BOL *OEPOFTJB VOUVL memberikan kuotasi suku bunga penawaran transaksi pasar uang antar bank di Indonesia. bank bjb sebagai kontributor +*#03 TFOBOUJBTB NFOEVLVOH UFSDJQUBOZB TVLV CVOHB BDVBO QBTBS VBOH ZBOH LSFEJCFM EBO EBQBU NFOEPSPOH perkembangan transaksi pasar uang antarbank.

5IFNPOFZNBSLFUBDUJWJUJFTVOEFSUBLFOJODMVEFEQMBDFNFOUT UISPVHI#BOL*OEPOFTJBNPOFUBSZJOTUSVNFOUTBTXFMMBTJOUFS CBOLQMBDFNFOUTBOEPQUJNJ[BUJPOUISPVHIHBQQJOH$VSSFOUMZ bank bjbJTPOFPGUIFDPOUSJCVUPSTPG+*#03 +BLBSUB*OUFSCBOL 0GGFSFE3BUF BQQPJOUFECZ#BOL*OEPOFTJBUPQSPWJEFJOUFSFTU SBUF RVPUBUJPO PG JOUFSCBOL NPOFZ NBSLFU USBOTBDUJPOT JO Indonesia. bank bjbBTBDPOUSJCVUPSPG+*#03BMXBZTTVQQPSUT UIFDSFBUJPOPGNPOFZNBSLFUCFODINBSLJOUFSFTUSBUFUIBUJT credible and can encourage the development of interbank NPOFZNBSLFUUSBOTBDUJPOT

Sejalan dengan program Bank Indonesia dalam rangka pendalaman transaksi pasar uang, bank bjb juga aktif dalam melakukan transaksi repo dan reverse repo antarbank. Sejak EJUBOEBUBOHBOJOZB QFSKBOKJBO .JOJ .3" PMFI  EFMBQBO  bank pionir termasuk bank bjb pada akhir tahun 2013, terjadi peningkatan transaksi repo antarbank, mengingat transaksi repoNFSVQBLBOBMUFSOBUJGQFOEBOBBOZBOHnFLTJCFMEFOHBO TVLVCVOHBZBOHSFMBUJGSFOEBI

*OMJOFXJUI#BOL*OEPOFTJBTQSPHSBNUPEFFQFONPOFZNBSLFU transactions, bank bjbBMTPBDUJWFMZQFSGPSNFEJOUFSCBOLSFQP and reverse repo transactions. Since the signing of the Mini .3" BHSFFNFOU CZ  FJHIU  QJPOFFS CBOLT JODMVEJOH CBOL bjb at the end of 2013, interbank repo transactions increased, DPOTJEFSJOH UIF SFQP USBOTBDUJPO JT B nFYJCMF mOBODJOH BMUFSOBUJWFXJUISFMBUJWFMZMPXJOUFSFTUSBUF

)JOHHB TBBU JOJ CBOL bjb telah melakukan kerja sama Mini .3"EFOHBO UJHBQVMVIUJHB CBOLEBOWPMVNFUSBOTBLTJ repo dan reverse repoTFKBLEJMVODVSLBOOZB.JOJ.3"IJOHHB TBBUJOJNFODBQBJ3Q USJMJVO

6OUJM OPX  UIF #BOL IBT FTUBCMJTIFE .JOJ .3" DPPQFSBUJPO XJUI UIJSUZUISFF CBOLTBOEUIFWPMVNFPGSFQPBOESFWFSTF SFQPUSBOTBDUJPOTTJODFUIFMBVODIPGUIF.JOJ.3"VOUJMOPX SFBDIFE3QUSJMMJPO

Transaksi Fixed Income

Fixed Income Transactions

Pergerakan pasar obligasi pada periode semester I 2014 sangat dipengaruhi oleh kondisi politik di Indonesia menjelang Pemilu Presiden. Ketidakpastian akan kondisi politik ke EFQBOOZB NFOHBLJCBULBO yield PCMJHBTJ ZBOH EJIBSBQLBO JOWFTUPS QVO NFOJOHLBU )BM JOJ NFSVQBLBO JNCBT QSPHSBN LBOEJEBU 1SFTJEFO EJ CJEBOH QFSFLPOPNJBO ZBOH LVSBOH direspons secara positif oleh investor asing.

5IF NPWFNFOU PG UIF CPOE NBSLFU JO UIF mSTU IBMG PG  XBTTUSPOHMZJOnVFODFECZUIFQPMJUJDBMTJUVBUJPOJO*OEPOFTJB BQQSPBDIJOH UIF 1SFTJEFOUJBM &MFDUJPO 6ODFSUBJOUZ PWFS UIF GVUVSF QPMJUJDBM DPOEJUJPO DBVTFE JOWFTUPST CPOE ZJFME expectation to rise. This was because the economic programs PGUIFQSFTJEFOUJBMDBOEJEBUFTXFSFMFTTQPTJUJWFMZSFTQPOEFE CZGPSFJHOJOWFTUPST

Pasar obligasi mulai cenderung mengalami penguatan VTBJ UFSQJMJIOZB +PLPXJ TFCBHBJ 1SFTJEFO *OWFTUPS PQUJNJT *OEPOFTJB EJ CBXBI QFNFSJOUBIBO ZBOH CBSV NBNQV NFOJOHLBULBOQFSUVNCVIBOFLPOPNJOZB,FCJKBLBOBXBMEBSJ

The bond market began to strengthen after Jokowi was elected President. Investors were optimistic that Indonesia will be able to improve its economic growth under the new government. 1SFTJEFOU +PLPXJT JOJUJBM QPMJDZ UP SFEVDF GVFM TVCTJEJFT JO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

166

INTERNASIONAL & TRESURI

Presiden Jokowi untuk mengurangi subsidi BBM pada kuartal IV 2014 direspon positif oleh pasar, sehingga meningkatkan harga obligasi dan menurunkan yield ZBOH EJIBSBQLBO investor.

UIF GPVSUI RVBSUFS PG  XBT SFTQPOEFE QPTJUJWFMZ CZ UIF NBSLFUUIFSFCZCPOEQSJDFTJODSFBTFEXIJDIMPXFSFEUIFZJFME FYQFDUFECZJOWFTUPST

Pengelolaan likuiditas dan optimalisasi pendapatan melalui instrumen mYFEJODPNF dilakukan dengan penempatan dana pada surat berharga, baik obligasi pemerintah maupun obligasi korporasi di pasar perdana dan pasar sekunder serta melakukan trading/jual beli surat berharga. Total pendapatan ZBOHEJQFSPMFIEBSJUSBOTBLTJTVSBUCFSIBSHBTFQBOKBOHUBIVO NFODBQBJ3Q NJMJBS

-JRVJEJUZ NBOBHFNFOU BOE JODPNF PQUJNJ[BUJPO UISPVHI mYFE JODPNF JOTUSVNFOUT XBT QFSGPSNFE CZ QMBDJOH GVOET in securities, both government bonds and corporate bonds JO UIF QSJNBSZ BOE TFDPOEBSZ NBSLFUT BT XFMM BT QFSGPSN TFDVSJUJFT USBEJOH CVZJOH BOE TFMMJOH 5PUBM JODPNF FBSOFE GSPN TFDVSJUJFT USBOTBDUJPOT EVSJOH UIF ZFBS  SFBDIFE 3QCJMMJPO

Transaksi Foreign Exchange

Foreign Exchange Transactions

%JWJTJ5SFBTVSZUFSVTNFOJOHLBULBOBLUJWJUBTQFOKVBMBOLFQBEB nasabah existing dan nasabah baru, termasuk berperan aktif dalam transaksi forex & swap interbank. Selama tahun 2014, volume transaksi forex & swap NFODBQBJ 64%  NJMJBS Revenue transaksi tersebut selama tahun 2014 mencapai 3Q NJMJBS

5IF5SFBTVSZ%JWJTJPODPOUJOVFEUPJODSFBTFTBMFTBDUJWJUJFTUP FYJTUJOH BOE OFX DVTUPNFST  JODMVEJOH BDUJWFMZ QBSUJDJQBUJOH in the interbank foreign exchange transactions and swaps. During 2014, the volume of foreign exchange transactions BOETXBQTSFBDIFE64%CJMMJPO5IFJODPNFGSPNUIFTF USBOTBDUJPOTEVSJOHSFBDIFE3QCJMMJPO

4FMBJOJUV %JWJTJ5SFBTVSZKVHBEJVOEBOHPMFI#BOL*OEPOFTJB dalam pembahasan pasar valas domestik dan diminta aktif sebagai kontributor harga pasar valuta asing Dollar terhadap 3VQJBI EJ 5IPNTPO 3FVUFST EBO #MPPNCFSH EBMBN SBOHLB QFOEBMBNBO QBTBS LFVBOHBO LIVTVTOZB USBOTBLTJ WBMVUB asing.

*OBEEJUJPO UIF5SFBTVSZ%JWJTJPOXBTJOWJUFECZ#BOL*OEPOFTJB in the discussion of domestic foreign exchange market and XBT SFRVJSFE UP BDUJWFMZ QBSUJDJQBUF BT B DPOUSJCVUPS UP UIF GPSFJHO FYDIBOHF NBSLFU QSJDF PG UIF %PMMBS BHBJOTU 3VQJBI JO 5IPNTPO 3FVUFST BOE #MPPNCFSH JO PSEFS UP EFFQFO UIF mOBODJBMNBSLFU FTQFDJBMMZGPSFJHOFYDIBOHFUSBOTBDUJPOT

RENCANA 2015

2015 PLAN

Pada tahun 2015, sejumlah indikator ekonomi dalam negeri ZBOH QFSLFNCBOHBOOZB QFSMV EJDFSNBUJ BOUBSB MBJO OFSBDB QFSEBHBOHBOEBOUJOHLBUJOnBTJ4FNFOUBSBUBOUBOHBOVUBNB dari pasar global, antara lain rencana kenaikan suku bunga Fed Rate ZBOH EJQFSLJSBLBO BLBO UFSKBEJ QBEB QFSUFOHBIBO UBIVO TFJSJOHEFOHBOUFSVTNFNCBJLOZBQFSFLPOPNJBO Amerika Serikat.

In 2015, a number of domestic economic indicators must be observed, among others the balance of trade and the rate of JOnBUJPO.FBOXIJMFUIFNBJODIBMMFOHFTPGUIFHMPCBMNBSLFU JODMVEF UIF QMBO UP JODSFBTF 'FE 3BUF XIJDI JT FYQFDUFE UP occur in mid-2015 along with the continued improvement of UIF64FDPOPNZ

Selain itu adalah rencana Bank Sentral Eropa (ECB) untuk memberikan stimulus dalam rangka meningkatkan perekonomian kawasan tersebut dengan melakukan pembelian obligasi kurang lebih sebesar USD1,3 triliun dalam QFSJPEF.BSFUIJOHHB4FQUFNCFS

Furthermore, the European Central Bank’s (ECB) plans to QSPWJEF TUJNVMVT JO PSEFS UP CPPTU UIF SFHJPOT FDPOPNZ CZ purchasing bonds with the approximate value of USD1.3 USJMMJPOJOUIFQFSJPE.BSDIUP4FQUFNCFS

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

167 INTERNATIONAL & TREASURY

.FOHIBEBQJ TJUVBTJ UFSTFCVU  SFODBOB ZBOH BLBO EJKBMBOLBO PMFI%JWJTJ5SFBTVSZEJBOUBSBOZB • Senantiasa melakukan analisa dan menerapkan strategi agar sejalan dengan perkembangan pasar dengan tetap menjaga likuiditas bank dan optimalisasi pendapatan melalui transaksi treasury. t 5FSVT NFOHFNCBOHLBO QSPEVL EBO MBZBOBO VOUVL mengakomodir kebutuhan nasabah dengan lebih baik. • Dalam rangka mendukung pendalaman transaksi pasar uang, bank bjb akan terus meningkatkan aktivitas transaksi QBTBS VBOH EBO .JOJ .3" EFOHBO NFOJOHLBULBO LFSKB TBNBEBONFMBLVLBOTPTJBMJTBTJ.JOJ.3"BOUBSCBOL • bank bjbBLBONFOJOHLBULBOQFMBZBOBOEBOQFNBTBSBO produk treasury antara lain dengan memperluas customer based melalui kunjungan (sales visit) kepada nasabah eksisting dan potensial serta mengusulkan kepada unit terkait untuk memperoleh forex dan derivatives line. t %JWJTJ 5SFBTVSZ BLBO NFMBLVLBO TPTJBMJTBTJ NFOHFOBJ transaksi valuta asing dan Hedging Instruments kepada OBTBCBI EBO LBOUPS DBCBOH UFSLBJU %JWJTJ 5SFBTVSZ KVHB UFSVT NFOHFNCBOHLBO mUVSmUVS CBSV TJTUFN bjb TIP-FX generasi baru. • Pemasaran produk ritel lain seperti obligasi negara ritel akan dilakukan dengan memperhatikan potensi dan LPOEJTJQBTBSZBOHBEB

'BDJOH UIJT TJUVBUJPO  UIF 5SFBTVSZ %JWJTJPO QMBOT UP QFSGPSN UIFGPMMPXJOH t "MXBZT QFSGPSN BOBMZTJT BOE JNQMFNFOU TUSBUFHJFT JO line with market developments while maintaining the #BOLTMJRVJEJUZBOEJODPNFPQUJNJ[BUJPOUISPVHIUSFBTVSZ transactions. • Continue to develop products and services to better accommodate customers’ needs. t *O PSEFS UP TVQQPSU UIF EFFQFOJOH PG NPOFZ NBSLFU transactions, bank bjb XJMM DPOUJOVF UP JODSFBTF NPOFZ NBSLFU USBOTBDUJPOT BOE .JOJ .3" CZ JODSFBTJOH QBSUOFSTIJQTBOETPDJBMJ[JOH.JOJ.3"CFUXFFOCBOLT • bank bjb XJMM JNQSPWF USFBTVSZ QSPEVDUT TFSWJDFT BOE UIF NBSLFUJOH BNPOH PUIFST CZ FYQBOEJOH DVTUPNFS base through visits (sales visit) to existing and potential customers as well as provide recommendations to the relevant units to obtain foreign exchange and derivatives lines. t 5IF5SFBTVSZ%JWJTJPOXJMMDPOEVDUTPDJBMJ[BUJPOPGGPSFJHO FYDIBOHF USBOTBDUJPOT BOE )FEHJOH *OTUSVNFOUT UP DVTUPNFST BOE SFMBUFE CSBODIFT 5IF 5SFBTVSZ %JWJTJPO will also continue to develop new features for the new generation of bjb5*1'9TZTUFN • The marketing of other retail products such as the retail government bonds will be conducted with respect to the potential and existing market conditions.

bank bjb Annual Report 2014

168

KPR & MORTGAGE MORTGAGE & FINANCIAL HOUSING

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

169

,SFEJU 1FNJMJLBO 3VNBI EBO Mortgage merupakan fasilitas pinjaman terkait dengan kepemilikan properti, baik rumah tapak, apartemen, rumah toko, maupun rumah kantor, baik CBSV NBVQVO CFLBT %BSJ TJTJ KBNJOBO  TFMBJO QSPQFSUJ ZBOH EJCFMJCJTBKVHBUBOBILPTPOHZBOHBLBOEJCBOHVO

)PVTJOH -PBO BOE .PSUHBHF JT B MPBO GBDJMJUZ SFMBUFE UP UIF QSPQFSUZ PXOFSTIJQ PG IPVTFT  BQBSUNFOUT  TIPQT  PGmDFT BOEPGmDFIPNFT CPUIOFXBOETFDPOEIBOE*OUFSNTPGUIF HVBSBOUFF NBZCFJOUIFGPSNPGFNQUZMBOEJOBEEJUJPOUPUIF QSPQFSUZQVSDIBTFE

Pada tahun 2014, kondisi bisnis properti nasional sedang kurang bergairah mengingat situasi perekonomian sedang NFOHBMBNJ QFSMBNCBUBO 4FKVNMBI JOEJLBUPS FLPOPNJ ZBOH NFNQFOHBSVIJ CJTOJT QSPQFSUJ KVHB NFOKBEJ UBOUBOHBO ZBOH harus dihadapi.

In 2014, the national real estate business was less enthusiastic given the slowdown of the economic condition. A number of economic indicators which affect the real estate business also became a challenge to be faced.

*OEJLBUPSEJNBLTVE NJTBMOZBQPTJTJOJMBJUVLBSSVQJBIUFSIBEBQ EPMBS "NFSJLB 4FSJLBU 1FNFSJOUBI NFMBMVJ "1#/ 1FSVCBIBO 2014 telah menetapkan kurs rupiah terhadap dolar AS TFCFTBS3Q/BNVOSFBMJTBTJOZB OJMBJSVQJBIKBVIMFCJI lemah dari target tersebut. Bank Indonesia mencatat bahwa SBUBSBUBLVSTTFCFTBS3QQFSEPMBS"4

0OFPGUIFJOEJDBUPSTSFGFSSFEJTUIFQPTJUJPOPG3VQJBIBHBJOTU the US Dollar. The Government through the 2014 State Budget "NFOENFOUTTFUUIFFYDIBOHFSBUFPG3VQJBIBHBJOTUUIF64 EPMMBSBUUIFMFWFMPG3Q )PXFWFS JOSFBMJ[BUJPO 3VQJBI was much weaker than the target. Bank Indonesia recorded UIFBWFSBHFFYDIBOHFSBUFXBT3Q QFS64%PMMBS

bank bjb Annual Report 2014

170

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KPR & MORTGAGE

/JMBJ UVLBS JOJ TBOHBU CFSQFOHBSVI UFSIBEBQ CJBZB QSPEVLTJ  LIVTVTOZB UFSLBJU EFOHBO CBIBO CBOHVOBO .FMFNBIOZB LVSTSVQJBICJTBCFSEBNQBLUFSIBEBQLFOBJLBOQSPQFSUJZBOH QBEBBLIJSOZBCFSJNQMJLBTJQBEBQFOVSVOBOEBZBCFMJ

5IFFYDIBOHFSBUFBGGFDUTUIFDPTUPGQSPEVDUJPO QBSUJDVMBSMZ JO SFMBUJPO UP CVJMEJOH NBUFSJBMT 5IF XFBLFOJOH PG 3VQJBI NBZIBWFBOJNQBDUPOUIFJODSFBTFPGQSPQFSUZXIJDIJOUVSO cause the decline in purchasing power.

Kondisi tersebut diperburuk dengan kenaikan suku bunga acuan Bank Indonesia, BI rate 1BEB /PWFNCFS  #BOL Indonesia menaikkan suku bunga acuan pada level 7,5%. 4FUBIVO LFNVEJBO  ZBJUV QBEB   #* Rate kembali naik menjadi 7,75%.

5IF DPOEJUJPO XBT XPSTFO CZ UIF SJTF PG #BOL *OEPOFTJBT CFODINBSL JOUFSFTU SBUF  OBNFMZ UIF #* SBUF *O /PWFNCFS 2013 Bank Indonesia raised its benchmark interest rate at the MFWFMPG"ZFBSMBUFS JO #*SBUFSPTFBHBJOUP

Kenaikan suku bunga acuan sering kali diikuti dengan LFOBJLBO TVLV CVOHB QJOKBNBO QSPQFSUJ )BM JOJ CFSQPUFOTJ NFOVSVOLBO EBZB CFMJ LPOTVNFO NBTZBSBLBU 5FSMFCJI MBHJ  imbas dari aturan Bank Indonesia mengenai Loan to Value ratio, masih dirasakan oleh industri properti.

5IFJODSFBTFJOCFODINBSLJOUFSFTUSBUFJTPGUFOGPMMPXFECZB SJTFJOUIFJOUFSFTUSBUFPGQSPQFSUZMPBO5IJTDPVMEQPUFOUJBMMZ reduce the consumer’s purchasing power. Moreover, the impact of Bank Indonesia regulation on Loan to Value ratio, XBTTUJMMQFSDFJWFECZUIFQSPQFSUZJOEVTUSZ

,POEJTJ ZBOH QFOVI UBOUBOHBO CBHJ JOEVTUSJ QSPQFSUJ ini membuat efek pada perlambatan sektor properti. Di BOUBSBOZB  UFSDFSNJO EBSJ QFSMBNCBUBO LFOBJLBO IBSHB properti residensial berdasarkan hasil survei Bank Indonesia. Perlambatan ini terjadi pada harga properti residensial di semua tipe rumah pasar primer.

5IJTDIBMMFOHJOHDPOEJUJPOGPSUIFQSPQFSUZJOEVTUSZDBVTFEB TMPXEPXOPGUIFQSPQFSUZTFDUPS BNPOHPUIFSTSFnFDUFECZUIF TMPXEPXOJOUIFQSJDFJODSFBTFPGSFTJEFOUJBMQSPQFSUZCBTFE PO UIF TVSWFZ CZ #BOL *OEPOFTJB 5IJT TMPXEPXO PDDVSSFE UIFQSJDFPGSFTJEFOUJBMQSPQFSUZPGBMMUZQFTPGIPVTJOHJOUIF QSJNBSZNBSLFU

%BSJ TVSWFJ UFSTFCVU EJLFUBIVJ CBIXB TVNCFS QFNCJBZBBO konsumen untuk membeli properti masih didominasi oleh QFNCJBZBBO QFSCBOLBO 4FCBOZBL   LPOTVNFO NFNBOGBBULBOLSFEJUQFNJMJLBOSVNBI ,13 TFCBHBJGBTJMJUBT QFNCJBZBBOEBMBNQFNCFMJBOQSPQFSUJSFTJEFOTJBM LIVTVTOZB pada rumah tipe kecil.

'SPN UIF TVSWFZ  JU XBT GPVOE UIBU UIF TPVSDF PG DPOTVNFS mOBODJOH UP CVZ QSPQFSUZ XBT TUJMM EPNJOBUFE CZ CBOL mOBODJOH " UPUBM PG  PG DPOTVNFST UPPL UIF IPVTJOH MPBO NPSUHBHF BTUIFmOBODJOHGBDJMJUZUPQVSDIBTFSFTJEFOUJBM QSPQFSUJFT QBSUJDVMBSMZTNBMMIPVTFT

Perlambatan kenaikan harga juga terjadi pada bisnis properti LPNFSTJBM)BMJUVEJBOUBSBOZBEJTFCBCLBOPMFILPOEJTJQFMBLV VTBIB ZBOH NFOHBNCJM TJLBQ wait and see pasca Pemilu TFCFMVN NFMBLVLBO FLTQBOTJ VTBIB 3FTQPO ZBOH TBNB KVHB NFOHJOEJLBTJLBO BEBOZB QFSMBNCBUBO QFOKVBMBO MBIBO perkantoran ritel dan pusat perbelanjaan.

The slowdown of price increase also occurred in the DPNNFSDJBM QSPQFSUZ CVTJOFTT 5IJT XBT CFDBVTF CVTJOFTT QMBZFSTUPPLUIFJOJUJBUJWFUPXBJUBOETFFBGUFSUIFQSFTJEFOUJBM election before performing expansion. The same response BMTP JOEJDBUFE B TMPXEPXO JO UIF TBMFT PG SFUBJM PGmDFT BOE shopping centres.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

171 MORTGAGE & FINANCIAL HOUSING

STRATEGI

STRATEGY

Dalam situasi seperti itu, bank bjb harus mengambil inisiatif TFKVNMBI MBOHLBI TUSBUFHJT 4BMBI TBUVOZB  NFMBMVJ VQBZB NFOEPSPOH QSPEVL VOHHVMBO  ZBJUV bjb ,13 1SPEVL JOJ  UFSVUBNB EJUVKVLBO VOUVL UVKVBO QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ

In such situation, bank bjb must perform a number of strategic NFBTVSFT  BNPOH PUIFST CZ QSPNPUJOH UIF #BOLT GFBUVSFE QSPEVDU OBNFMZ bjb ,13 5IJT QSPEVDU JT QSJNBSJMZ JOUFOEFE GPSUIFQVSDIBTFPG1SJNBSZ)PVTFT

Pilihan terhadap sejumlah langkah strategi ditujukan agar LJOFSKBQSPEVL,13EBOMortgageCJTBCFSKBMBOTFTVBJZBOH direncanakan. Apalagi, di tengah tantangan cukup serius ZBOHIBSVTEJIBEBQJQBEBCJTOJTQSPQFSUJ ZBOHQBEBBLIJSOZB CFSJNCBTUFSIBEBQQFNCJBZBBOQSPQFSUJZBOHEJSFBMJTBTJLBO oleh perbankan, termasuk bank bjb.

The strategic measures were taken in order for the performance PG,13BOE.PSUHBHFQSPEVDUUPCFBTQMBOOFE FTQFDJBMMZJO the middle of the challenges in the real estate business which JO UVSO JNQBDU PO UIF SFBMJ[FE QSPQFSUZ mOBODJOH CZ CBOLT  including bank bjb.

4FKVNMBIJOJTJBUJGTUSBUFHJTZBOHEJBNCJMQBEBUBIVO EJ BOUBSBOZB

5IFTUSBUFHJDJOJUJBUJWFTQFSGPSNFEJOXFSF

1. bjb KPR  1FOZBMVSBO bjb ,13 NFOKBEJ TBMBI TBUV GPLVT VUBNB dalam pertumbuhan portofolio kredit bjb,13Mortgage QBEB UBIVO  6QBZB JOJ EJMBLVLBO  TFUJEBLOZB VOUVL NFNQFSUBIBOLBO LJOFSKB 1FSVTBIBBO EJ TFLUPS ,13 dan Mortgage. Selain itu, inisiatif tersebut sekaligus membuktikan bahwa bank bjb mendukung dan NFNCFSJLBO LFNVEBIBO NBTZBSBLBU EBMBN LFQFNJMJLBO properti.

1. bjb KPR The distribution of bjb ,13 CFDBNF POF PG UIF NBJO focuses in the growth of bjb,13.PSUHBHFMPBOQPSUGPMJP in 2014. The effort was conducted at least to maintain the $PNQBOZTQFSGPSNBODFJO)PVTF-PBOBOE.PSUHBHF*O addition, the initiative proved that bank bjb supported and GBDJMJUBUFEUIFDPNNVOJUZUPPXOQSPQFSUJFT

2. Media Promosi  .FNBLTJNBMLBO NFEJB QSPNPTJ ZBOH EJNJMJLJ PMFI CBOL bjb  EJ BOUBSBOZB NFMBMVJ Talkshow EJ 3BEJP /BTJPOBM  Daerah, Iklan di media masa, Iklan Billboard, Media Sosial seperti Twitter (@infobankbjb), Facebook (bankbjbPGmDJBM

 TFSUBCFSCBHBJFWFOUZBOHEJTFMFOHHBSBLBOPMFICBOLbjb maupun pihak eksternal.

2. Media Promotion bank bjb maximized its promotion media including through 5BMLTIPXTJO/BUJPOBMBOE3FHJPOBM3BEJPT BEWFSUJTFNFOU in mass media, Billboard Advertising, Social Media such as Twitter (infobankbjb), Facebook (bankbjbPGmDJBM

 BT XFMMBTFWFOUTPSHBOJ[FECZCBOLbjb and external parties.

3. Kerja Sama Pemasaran Terdapat beberapa program marketing dengan pihak pengembang, dimana hal tersebut dapat meningkatkan portofolio bjb,13Mortgage terutama produk bjb,13

3. Cooperation Marketing There were several marketing programs in cooperation XJUIUIFEFWFMPQFST JOXIJDINBZJODSFBTFUIFQPSUGPMJPPG bjb,13.PSUHBHFFTQFDJBMMZUIFQSPEVDUbjb,13

4. Suku Bunga  4VLV CVOHB ZBOH EJUBXBSLBO VOUVL QSPEVL bjb ,13  Mortgage masih cukup bersaing dengan pilihan waktu bunga tetap (mYFE ZBOHDVLVQWBSJBUJG*OJTJBUJGJOJNFOKBEJ QFOUJOH  NFOHJOHBU MJLVJEJUBT QFSCBOLBO QBEB VNVNOZB masih ketat pada tahun 2014.

4. Interest Rate The interest rate offered for bjb ,13  .PSUHBHF XBT RVJUF DPNQFUJUJWF XJUI B DIPJDF PG WBSJFE mYFE JOUFSFTU This initiative became important given the tight banking MJRVJEJUZJO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

172

KPR & MORTGAGE

KINERJA 2014

2014 PERFORMANCE

)BTJM4VSWFJ)BSHB1SPQFSUJ3FTJEFOTJBMZBOHEJMBLVLBO#BOL *OEPOFTJB UFSVOHLBQ CBIXB QFSUVNCVIBO *OEFLT )BSHB 1SPQFSUJ 3FTJEFOTJBM QBEB 5SJXVMBO *7 NFOHBMBNJ LPOUSBLTJ   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 8BMBVQVO  KJLB EJCBOEJOHLBO EFOHBO USJXVMBO TFCFMVNOZBUFUBQNFOHBMBNJLFOBJLBO

5IF4VSWFZPO3FTJEFOUJBM1SPQFSUZ1SJDFDPOEVDUFECZ#BOL *OEPOFTJB SFWFBMFE UIBU UIF HSPXUI PG 3FTJEFOUJBM 1SPQFSUZ 1SJDF*OEFYJOUIFGPVSUIRVBSUFSPGDPOUSBDUFECZ DPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS BMUIPVHI when compared with the previous quarter remained increased.

Perlambatan pada bisnis properti residensial di pasar primer itu, menurut Bank Indonesia, terutama akibat sejumlah faktor, ZBJUV LFOBJLBO IBSHB CBIBO CBOHVOBO  LFOBJLBO IBSHB CBIBOCBLBSNJOZBL TFSUBVQBIQFLFSKB

5IF TMPXEPXO JO UIF SFTJEFOUJBM QSPQFSUZ CVTJOFTT JO UIF QSJNBSZNBSLFU BDDPSEJOHUP#BOL*OEPOFTJB XBTNBJOMZEVF UP B OVNCFS PG GBDUPST OBNFMZ UIF JODSFBTF PG UIF QSJDFT PG building materials, the increase in fuel prices and the wages of workers.

,POEJTJUFSTFCVUCFSQPUFOTJNFNQFOHBSVIJQFOZBMVSBOEBOB ,13CBOLbjb)JOHHBTBBUJOJ QSPEVLbjb,13UFSCBHJNFOKBEJ QSPEVLEFOHBOCFCFSBQBUVKVBOQFOHHVOBBO EJBOUBSBOZB bjb,13 bjb Mortgage Properti, bjb Mortgage Properti Usaha dan bjb,13.PSUHBHF1FHBXBJ1SPEVLbjb,13NFNJMJLJ komposisi portofolio terbesar dibandingkan dengan produk bjb,13MortgageZBOHMBJO ZBJUVTFCFTBS 

5IFTF DPOEJUJPOT DPVME QPUFOUJBMMZ BGGFDU UIF EJTUSJCVUJPO PG funds bank bjb mortgage. Until now, the products are divided into four bank bjb mortgage products with some of the intended use, including mortgage bjb, bjb1SPQFSUZ.PSUHBHF  bjb Enterprises and bjb 1SPQFSUZ .PSUHBHF .PSUHBHF  .PSUHBHF 0GmDFS bjb mortgage products have the largest portfolio composition compared with bjb mortgage products .PSUHBHFPUIFST BNPVOUJOHUP

%FOHBO TFKVNMBI TUSBUFHJ ZBOH UFMBI EJVOHLBQLBO EJ BUBT  kinerja produk bjb ,13 CFSHFSBL QPTJUJG 1BEB UBIVO   NFOHBMBNJ QFSUVNCVIBO QPSUPGPMJP TFCFTBS 3Q NJMJBS EFOHBO QFOJOHLBUBO QFOZBMVSBO LSFEJU OBJL TFCFTBS   EJCBOEJOHLBO UBIVO TFCFMVNOZB "EBQVO KVNMBI BLVO atau /VNCFS PG "DDPVOU /P"  VOUVL QSPEVL JOJ CFSUBNCBI TFCBOZBLaccount atau tumbuh sebesar 15,10%

With a number of strategies that have been disclosed above, the performance of the bjb ,13 NPWFE QPTJUJWFMZ *O   UIFQSPEVDUFYQFSJFODFEQPSUGPMJPHSPXUIPG3QCJMMJPOXJUI JODSFBTFJOMFOEJOHPWFSUIFQSFWJPVTZFBS5IF/VNCFS PG"DDPVOU /P" PGUIJTQSPEVDUJODSFBTFECZ BDDPVOUT PSHSFXCZ

1FOZBMVSBO EBOB VOUVL QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ QBEBUBIVOTFCFTBS3QNJMJBSBUBVUVNCVI  EJCBOEJOHLBOUBIVOTFCFMVNOZB"EBQVO/P"VOUVLQSPEVL UFSTFCVUUVNCVITFCBOZBLaccount atau sekitar 23,32% dibandingkan tahun 2013.

5IF EJTUSJCVUJPO PG GVOET GPS UIF QVSDIBTF PG UIF 1SJNBSZ )PVTFTJOBNPVOUFEUP3QCJMMJPOPSBOJODSFBTFPG PWFSUIFQSFWJPVTZFBS5IF/P"GPSUIJTSPEVDUHSFX CZ   BDDPVOUT PS BQQSPYJNBUFMZ  DPNQBSFE UP 2013.

Pertumbuhan/Growth 2013-24014

Tahun/Year 2014 Jenis Produk

Baki Debet

NoA

Baki Debet

NoA

Rp

#

Product Type

bjb,13

    

 

   

1,438

bjb mortgage

bjb Mortgage Properti

    

 

   

 

bjb Property Mortgage

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

173 MORTGAGE & FINANCIAL HOUSING

Pertumbuhan/Growth 2013-24014

Tahun/Year 2014 Jenis Produk

Baki Debet

NoA

Baki Debet

NoA

Rp

#

Product Type

bjb Mortgage Properti Usaha

   

31

2,141,202,027

4

bjb Enterprises Property Mortgage

bjb,13.PSUHBHF1FHBXBJ

   

515

   



bjb Mortgage & Mortgage Employees

RENCANA 2015

2015 PLAN

Untuk tahun 2015, bank bjb menargetkan pertumbuhan QFOZBMVSBO EBOB VOUVL ,13 TFCFTBS  8BMBVQVO  )BTJM 4VSWFJ )BSHB 1SPQFSUJ 3FTJEFOTJBM #BOL *OEPOFTJB NBTJI mengindikasikan terjadi perlambatan pada awal tahun   NFOHJOHBU EBNQBL EBSJ LFCJKBLBO ZBOH EJLFMVBSLBO QFNFSJOUBINFOKFMBOHUBIVOCFSBLIJSNBTJINFOZJTBLBO dampak.

For 2015, the bank bjb is targeting a growth of mortgage funds PG5IFSFTVMUTPGUIF3FTJEFOUJBM1SPQFSUZ1SJDF4VSWFZCZ #BOL *OEPOFTJB TUJMM JOEJDBUFT B TMPXEPXO JO FBSMZ  EVF to the government policies released during the end of 2014 which still provide impacts.

4FCBHBJ BOUJTJQBTJ EBO VQBZB NFSFBMJTBTJLBO UBSHFU ZBOH telah ditetapkan, bank bjbUFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG  EJBOUBSBOZBBEBMBI

As the anticipation and effort to realize the targets set, bank bjbIBTTFUVQBOVNCFSPGJOJUJBUJWFT BNPOHPUIFST

A. Fokus Pasar Perusahaan akan memiliki fokus pasar (market  ZBOH NFOKBEJ TBTBSBO QBEB UBIVO  )BM JOJ EJMBLVLBO NFOHJOHBUNBTJICBOZBLUBOUBOHBOZBOHIBSVTEJIBEBQJ  TFQFSUJUFSDFSNJOEBSJIBTJMTVSWFJZBOHUFMBIEJMBLVLBOPMFI Bank Indonesia dan ekspektasi terhadap perekonomian ke depan, walaupun diperkirakan tetap bergerak positif.

A. Market Focus  5IF$PNQBOZXJMMTFUNBSLFUGPDVTUPCFUIFUBSHFUJO 5IJT JT QFSGPSNFE TJODF UIFSF BSF TUJMM NBOZ DIBMMFOHFT UP CF GBDFE  BT SFnFDUFE JO UIF SFTVMUT PG UIF TVSWFZ DPOEVDUFE CZ #BOL *OEPOFTJB BOE UIF FYQFDUBUJPOT PG UIF FDPOPNZ JO UIF GVUVSF  BMUIPVHI FYQFDUFE UP SFNBJO positive.

Karena itulah, terkait dengan fokus pasar ini bank bjb UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG ZBJUV  6OUVL QFOZBMVSBO EBOB ,13 Primary, Perusahaan akan fokus pada produk dari pengembang Perjanjian ,FSKB4BNB 1,4 ZBOHUFSCVLUJNFNJMJLJLJOFSKBCBJL  6OUVL SVNBI LFEVB BUBV ,13 Secondary, bank bjb bekerja sama dengan agen properti atau house brokerage, sehingga dapat Meminimalkan risiko dan NFOHFmTJFOLBOEBSJTJTJPQFSBTJPOBM 3. Perusahaan juga akan mendorong produk bjb ,13 Pegawai.

Therefore, associated with this market focus, bank bjb has TFUVQBOVNCFSPGJOJUJBUJWFT OBNFMZ  'PS UIF EJTUSJCVUJPO PG GVOET GPS ,13 1SJNBSZ  UIF $PNQBOZXJMMGPDVTPOUIFQSPEVDUTPGUIFEFWFMPQFST with Cooperation Agreement which are proved to have good performance.  'PSBTFDPOEIPVTFPS4FDPOEBSZNPSUHBHF bank bjb DPPQFSBUFTXJUIQSPQFSUZBHFOUTPSIPVTFCSPLFSBHF  UIVT NJOJNJ[JOH SJTL BOE QSPNPUF FGmDJFODZ GSPN UIF operational side.  5IFDPNQBOZXJMMBMTPQSPNPUFbjb,13GPSFNQMPZFFT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

174

KPR & MORTGAGE

 .FOHFNCBOHLBO LJOFSKB ,13 Collective Market, ZBJUV QFOZBMVSBO EBOB LSFEJU QSPQFSUJ  LIVTVT VOUVL LBSZBXBO EBSJ QFSVTBIBBO ZBOH UFMBI CFLFSKB TBNB dengan bank bjb. 5. Memaksimalkan kerja sama kepemilikan rumah NFMBMVJ QSPHSBN QFNFSJOUBI  EJ BOUBSBOZB 'BTJMJUBT -JLVJEJUBT 1FNCJBZBBO 1FSVNBIBO '-11

 #BEBO 1FOZFMFOHHBSB +BNJOBO 4PTJBM ,FUFOBHBLFSKBBO (BPJS), Badan Pertimbangan Tabungan Perumahan 1FHBXBJ/FHFSJ4JQJM #BQFSUBSVN

TFSUBZBOHMBJOOZB

 &OIBODF UIF QFSGPSNBODF PG ,13 $PMMFDUJWF .BSLFU  OBNFMZUIFEJTUSJCVUJPOPGQSPQFSUZMPBOGPSFNQMPZFFT of the companies working together with bank bjb. 5. Maximize cooperation of home ownership through HPWFSONFOU QSPHSBNT  JODMVEJOH )PVTJOH 'JOBODF -JRVJEJUZ 'BDJMJUZ '-11

 UIF &NQMPZNFOU 4PDJBM 4FDVSJUZ "HFODZ #1+4

 UIF "EWJTPSZ #PBSE PG $JWJM 4FSWBOUT)PVTJOH4BWJOHT #BQFSUBSVN

BOEPUIFST

B. Brand Image Untuk memperkuat brand image produk bank bjb di bidang kepemilikan properti, Perusahaan akan terus melakukan LFHJBUBO QFNBTBSBO TFDBSB CFSLFTJOBNCVOHBO )BM JUV dilakukan melalui media.

B. Brand Image To strengthen the brand image of the Bank’s products JO UIF mFME PG QSPQFSUZ PXOFSTIJQ  UIF $PNQBOZ XJMM continue to conduct marketing activities on an on-going basis through the media.

C. Hubungan dengan Pemangku Kepentingan Dalam rangka membangun dan meningkatkan hubungan baik dengan para pemangku kepentingan, bank bjb akan melakukan gathering dengan sejumlah pengambang, dinas atau instansi pemerintahan, serta asosiasi properti.

C. Stakeholder Relationship In order to build and enhance relationships with the stakeholders, the Bank will organize gatherings with EFWFMPQFST  HPWFSONFOU PGmDFT PS BHFODJFT  BT XFMM BT UIFQSPQFSUZBTTPDJBUJPO The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project

Perusahaan/Pengembang Company/Developer

Lokasi Location

1

Bumi Adipura

15.VMUJEBZB,IBSJTNB

Bandung

2

3BZBO3FHFODZ

PT. Kamilindo Sejahtera

4VSBCBZB

3

.FOUFOH3FHFODZ

PT. Menteng Mandiri Sejahetera

Gresik

4

4FLBSQVSP3FTJEFODF

151BTUZKBZB

Malang

5

.BUBIBSJ$JHBOJUSJ $JHBOJUSJ$IFSSZ'JFME

PT. Mentari Agung Mandiri

Bandung



Matahari Asri

PT. Mentari Agung Mandiri

Bandung

7

#PHPS/JSXBOB3FTJEFODF

PT. Graha Andrasentra Propertindo

Bogor

8

Gresik Kota Baru

PT. Bumi Lingga Pertiwi

Gresik



Pondok Permata Suci

PT. Bumi Lingga Pertriwi

Gresik

10

Istana Mentari

PT. Bumi Mentari Megah

Sidoarjo

11

The Spring of Tomorrow

PT. Cipta Adi Perkasa

Sidoarjo

12

Pakuwon Indah

PT. Pakuwon Darma

4VSBCBZB

13

Perumahan Pakuwon Indah

15 "SUJTBO4VSZB,SFBTJ

4VSBCBZB

14

#BMJLQBQBO4VQFSCMPDL "QBSUNFOU3VCZ 40)0  Apartment Aeropolis, Kondotel Astara

PT. Wulandari Bangun Laksana

bank bjb Laporan Tahunan 2014

Balikpapan

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

175 MORTGAGE & FINANCIAL HOUSING

The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project

Perusahaan/Pengembang Company/Developer

Lokasi Location

15

Taman Sumber Indah

15#FSMJBO)BJWB1SPQFSUZ

Sumber



,SBLBUBV3FTJEFODF

15"SJOB#BZVTXBLBSTB

Serang

17

1FTPOB$JMFVOZJ

15"SJOB#BZVTXBLBSTB

$JMFVOZJ

18

5IF0BTJT7JMMBHF3FTJEFODF

PT. Diwangkara Bangun Persada

Sidoarjo



4BUVSOVT3FHFODZ

15(SBIB"EJDJQUB/VHSBIB

Bandung

20

Green Garden View

15(SBIB"EJDJQUB/VHSBIB

Bandung

21

5IF(BSEFO$JUZ7JFX

15(SBIB"EJDJQUB/VHSBIB

Bandung

22

Padasuka Estate

15(SBIB"EJDJQUB/VHSBIB

Bandung

23

(SFFO7BMMFZ3FTJEFODF

15(SBIB"EJDJQUB/VHSBIB

Bandung

24

Grand Ujung Berung

15(SBIB"EJDJQUB/VHSBIB

Bandung

25

(SBOE7BMMFZ6KVOH#FSVOH

15(SBIB"EJDJQUB/VHSBIB

Bandung



$JUZ(BSEFO3FTJEFODF

15(SBIB"EJDJQUB/VHSBIB

Bandung

27

The Green Sariwangi

15(SBIB"EJDJQUB/VHSBIB

Bandung

28

4BSJXBOHJ$JUZ7JFX

15(SBIB"EJDJQUB/VHSBIB

Bandung



4BSJXBOHJ3FHFODZ

15(SBIB"EJDJQUB/VHSBIB

Bandung

30

Sariwangi Estate

15(SBIB"EJDJQUB/VHSBIB

Bandung

31

Sariwangi Village

15(SBIB"EJDJQUB/VHSBIB

Bandung

32

d'cassa Grande

15(SBIB"EJDJQUB/VHSBIB

Bandung

33

Grand Kolmas Village

15(SBIB"EJDJQUB/VHSBIB

Bandung

34

3JWFS7BMMFZEBO$BTB(BSEFOJB

15"OVHSBI,BSZB#BOHVO4FKBIUFSB

35

"FSPQPMJT3FTJEFODF

PT. Perkasa Lestari Permai

Tangerang



Grand Taruma

PT. Pesona Gerbang Karawang

Karawang

37

Graha Estetika

15%BTB8JMJT3BZB

Semarang

38

Buana Soetta

PT. Cikal Buana Persada

Bandung



Buana Subang Kencana

PT. Cikal Buana Persada

Subang

40

Buana Taman sari

PT. Cikal Buana Persada

Karawang

41

Graha Subang Kencana

PT. Cikal Buana Persada

Subang

42

)BSWFTU$JUZ

15%XJHVOBUBNB3JOUJT1SJNB

Bekasi

43

)BSWFTU$JUZ

15%XJLBSZB-BOHHFOH4VLTFT

Bogor

44

Pesona Cilegon

PT. Gunung Intan Abadi Terus

Serang

45

Grand Pesona

PT. Gunung Intan Abadi Terus

Serang

Bogor

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

176

KPR & MORTGAGE

The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project



5JSUBTBOJ3FTJEFODF

154VSZB(SBIB#IVXBOB

47

Taman Graha Asri

PT. Graha Serang Asri

48

Serpong Garden

15)BSBQBO*OUJ1FSTBEB*OEBI

Serpong



Persada Banten

15)BSBQBO*OUJ1FSTBEB*OEBI

Serpong

50

%BNQPFBXBOH1VSJ3FHFODZ

15$JUSB%BNQPFBXBOH4FEBZV

*OESBNBZV

51

Graha Sudirman

15$JQUB-PLB/VTB1SJNB

*OESBNBZV

52

Galuh Mas

PT. Galuh Citarum

Karawang

53

Plamongan Indah (Jasmine Park, Villa Pinus Watugong, Gardenia dan Permata Batusari)

15,JOJ+BZB*OEBI

Semarang

54

Bentang Padalarang

156[Z,BSZB1SFTUBTJ

Bandung

55

Senopati Penthouse

154FOPQBUJ"SZBOJ1SJNB

Jakarta



Puri Indah Lestari

PT. Dimensi Puri Lestari

Cimahi

57

Bumi Teluk Jambe

151FSVN1FSVNOBT3FH*7

58

4IBQQIJSF3FTJEFODF,FEBXVOH

PT. Mitra Shapphire Sejahtera

Cirebon



5JSUBZBTBSFHFODZ

PT. Tulus Asih

Sumber



(SBOE/VTB*OEBI

PT. Kentanix Supra International

Bogor



Villa Bogor Indah

PT. Semangat Panca Bersaudara

Bogor



The Andalusia

15"SZB$JQUB4BSBOB

Serang



$JUSB/VTB/JBHB

155SJBT+BZB1SPQFSUJOEP

Batam



1VSJ"TSJ3FTJEFODF

155SJBT+BZB1SPQFSUJOEP

Batam



(SBOE/JBHB.BT

155SJBT+BZB1SPQFSUJOEP

Batam



1BODBOBLB#BMJ&SmOB

15$BIBZB3BHB



(SBOE1JOVT3FHFODZ

15"OHHSFL*OEBI4VSZB-FTUBSJ



Citra Indah

PT. Ciputra Indah



5BOHDJUZ

151BODBLBSZB(SJZBUBNB

Tangerang

70

Bumi Papan Selaras

PT. Bangun Papan Selaras

Sidoarjo

71

Grand Semanggi Mangrove

PT. Graha Agung Perkasa

4VSBCBZB

72

"MBN%FQPL3FTJEFODF

15#JOUBOH4IBmSB

73

Citra Sun Semarang

+0$JQVUSB4VOJOEP1SPQFSUZ

Semarang

74

Citra Grand Semarang

+0$JQVUSB,BSZB6UBNB

Semarang

75

$JUSB4VO(BSEFO:PHZBLBSUB

JO Ciputra Sunindo Graha Utama

bank bjb Laporan Tahunan 2014

Perusahaan/Pengembang Company/Developer

Lokasi Location Surakarta Serang

Karawang

Bali Bandung Bogor

Depok

,BC4MFNBO:PHZBLBSUB

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

177 MORTGAGE & FINANCIAL HOUSING

The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project

Perusahaan/Pengembang Company/Developer

Lokasi Location



$JUSB(SBOE.VUJBSB:PHZB

JO Ciputra Graha Terasama

77

$JUSBMBOE#BHZB$JUZ

+0$JQVUSB,BSZB1BODBTBLUJ/VHSBIB

78

Pesona Ciganitri

PT. Duta Emas Anugerah Abadi

Kab. Bandung



(BUFXBZ1BTUFVS"QBSUNFOU

151SBTFUZB"HVOH$JQUB"CBEJ

Bandung

80

(SBIB/HPSP"TSJ

15"OVHFSBI4FKBUJ8BIBOB,BSZB

Mojokerto

81

Bahtera Indah Sejahtera

15#JOBLBSZBUBNB*OEBI1FSLBTB

Lampung

82

*NBN#POKPM3FHFODZ

PT. Lampung Utama Construcsindo

Lampung

83

4FSSBZ7BMMFZ%F-JNB$JXBSVHB

15/VTBOUBSB(SBIB*OEPOFTJB

Bandung

84

(SBOE5VQBSFW3FTJEFODF

153BKBXBMJ4VSZB4FNFSMBOH

Karawang

85

(SJZB+BUJ,BMJKBHB

158JHBOUV(BSEB+BZB

Cirebon



Andalusia Kartini Square

PT. Manzillah Visi Mulia

Gresik

87

#VBOB$JXBTUSB3FTJEFODF

PT. Kibar Buana Persada

Bandung

88

5IF)ZCSJE1BSL/FXUPO

15(SBDJB(SJZB,FODBOB

Bandung



Kota Jababeka

PT. Graha Buana Cikarang

Cikarang



1BMN3FTJEFODF(SPVQ

PT. Multi Bangun Sarana

4VSBCBZB



Apartment Voila

158JO8JO3FBMUZ$FOUSF

4VSBCBZB



40)04LZMPGU

158JO8JO3FBMUZ$FOUSF

4VSBCBZB



Grand Sentosa

PT. Artha Sentosa

Solo



Puri Artha Sentosa

PT. Artha Sentosa

Solo



(BSVU)ZQFSTRVBSF

15)BTUVLB4BSBOBLBSZB

Garut



Stella

PT. Mentari Agung Mandiri

Bandung



Akita 2

PT. Mentari Agung Mandiri

Bandung



Matahari Square

PT. Mentari Agung Mandiri

Bandung



De Paradiso

PT. Jakarta Propertindo

Jakarta

100

5IF)5PXFS

15),3FMBUJOEP

Jakarta

101

5IF)3FTJEFODF

15),3FMBUJOEP

Jakarta

102

Intermark Mix Use (Properti)

,40.FSEFLB3POPW*OEPOFTJB

103

(BEJOH(SFFO)JMM"QBSUNFOU

PT. Gading Selaras

104

(SBOE%IJLB$JUZ

15"EIJ1FSTBEB1SPQFSUZ

Bekasi

105

Taman Melati Jatinangor

15"EIJ1FSTBEB1SPQFSUZ

Jatinangor



4FSPKB)PNF3FTJEFODF

15(SBIB"EJDJQUB/VHSBIB

Kab. Bandung

:PHZB ,BCVQBUFO Sleman Deli. Serdang - Medan

Tangerang Selatan Jakarta Utara

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

178

KPR & MORTGAGE

The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project

107

(SJZB1BUBSVNBO"TSJ

15(SBIB"EJDJQUB/VHSBIB

108

Intermark Mix Use (Properti Usaha)

,40.FSEFLB3POPW*OEPOFTJB



3PZBM0MJWF3FTJEFODF

15"EF1FEF3FBMUZ

110

Graha Metro Serang

PT. Graha Mulia Abadi

111

Batakan Village

15#FSJXJKBZB"TSJ

Balikpapan

112

(SFFO)BSNPOJ3FTJEFODF

15"NCFS)BTZB

Bandung

113

1FSNBUB)JKBV3FTJEFODF

PT. Sigit Putra Agung

Karawang

114

Imperium Park

15,IBSJTNB4VSZB.BOEJSJ

Cibinong

115

3FHFOUT1BSL

PT. Binx Propertindo

Karawang



Graha Grande

PT. Bangun Bumi Pakuan

Cibinong

117

Andalusia

15"MFYBOESJB3FBMUJOEP

5BTJLNBMBZB

118

%F/JSXBOB(BSEFO

15(SBIB/BUB8JHVOB

5BTJLNBMBZB



Apartment The Windsor

PT. Antilope Mandju Puri Indah

120

Bizpoint

15,XBSUB4FKBIUFSB+BZB

Balaraja

121

&EFMXFJT5PXO)PVTF

15(SBIB,VSOJB3BZB

Bandung

122

Casa Gardenia 2

15"OVHSBI,BSZB#BOHVO4FKBIUFSB

Cibitung

123

#BUVKBKBS3FHFODZ

15'VTBO4FOUPTB#BOHVO+BZB

Batujajar

124

,PUB#BSV1BSBIZBOHBO

PT. Belaputera Intiland

125

3JWFS7BMMFZ

15"OVHSBI,BSZB#BOHVO4FKBIUFSB



1BMUSPX$JUZ#FMMJOJ5PXFS"QBSUNFOU

15"EIJTBUZB1SPQFSUZ

127

(SFFO&NFSBME3FTJEFODF

PT. Gemilang Mas Sejahtera

128

$FNQBLB)JKBV

,FSKBTBNB11"/JOEZB



Panorama Panembong

PT. Bintang Ciremai Abadi

Cianjur

130

.BKBHFVMJT3FTJEFODF

PT. Turangga Empat Tiga

Majalengka

131

Citralake Sawangan

KSO Citra Bangun Cemerlang

Depok

132

Citragarden BMW

KSO Citra Pradipta

Serang

133

$JUSBSBZB$JUZ.FOEBMP

KSO Citra Mendalo Prima

Jambi

134

$JUSB

15$BLSBXBMB3FTQBUJ

Jakarta

135

Citra 7

15-BIBO"EZBCVNJ

Jakarta



Aeroworld

15$BLSBEJHEBZB-PLBSBZB

Jakarta

137

$JUSBHSBOE$JUZ

+0$JUSB"TSJHSJZB

bank bjb Laporan Tahunan 2014

Perusahaan/Pengembang Company/Developer

Lokasi Location Bandung Barat Tangerang Selatan Jakarta Selatan Serang

Padalarang Kabupaten Bogor Semarang Depok Bandung

Palembang

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

179 MORTGAGE & FINANCIAL HOUSING

The Cooperating Developer List

%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB No

Proyek Project

Perusahaan/Pengembang Company/Developer

Lokasi Location

138

Kedamaian Mansion

CV. Atmosphere



Graha Mulawarman Tahap II

PT. Graha Agung Kusuma

Balikpapan

140

Centra Bizpark Tahap II

,4015CFSJXJKBZB"TSJEBO156NBXBS*TBTBCMV[B

Balikpapan

141

Enviro

15),3FBMUJOEP

142

Daun Village

15.VMJB"MBN3BZB

143

Pesona Ciwastra Village

151VUSB4BSBOB+BZB-FTUBSJ

144

Casa Gardenia Batu Gede

15"OVHSBI,BSZB#BOHVO4FKBIUFSB

145

#BMJLQBQBO3FHFODZ

PT. Mutiara Bahagia Abadi, Perusahaan Daerah Kota Balikpapan - PT. Mutiara Bahagia Abadi

Balikpapan



Cluster Jasmine Park

153PZBM*OWFTNFOU

Karawang

147

3 Multigudang Tangerang

158BIBOB,BSZB4VLTFT1SJNB

Tangerang

148

-BCVIBO"MBN3FTJEFODF

15.POH,BSZB#FSTBNB



(PMG&TUBUF#PHPS3BZB

15#PHPS3BZB%FWFMPQNFOU

Bogor

150

(SJZB4PLB#PHPS3BZB

15#PHPS3BZB%FWFMPQNFOU

Bogor

151

(SJZB#PHPS3BZB

15(SJZB#PHPS3BZB

Bogor

152

1BEKBEKBSBOSFHFODZ

15(SJZB#PHPS3BZB

Bogor

153

#PHPS3BZB3FTJEFODF

15#PHPS3BZB3FTJEFODF

Bogor

154

).BOTJPO

15),3FBMUJOEP

Jakarta

155

Citraland Tegal

PT Ciputra Optima Mitra



Citraland Cirebon

15$JQVUSB/VTB.JUSBEBO15#VEJ4BSJ.VSOJ"KJ

Bandarlampung

Cikarang Balikpapan Bandung Cilebut

Bandarlampung

Tegal Cirebon

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

180

TINJAUAN KINERJA ANAK PERUSAHAAN SUBSIDIARY PERFORMANCE REVIEW

BISNIS SYARIAH Sharia Business

Pendirian

Establishment

15 #BOL +BCBS #BOUFO 4ZBSJBI BEBMBI TVBUV 1FSTFSPBO 5FSCBUBTZBOHEJEJSJLBOEBONFOKBMBOLBOLFHJBUBOVTBIBOZB menurut dan berdasarkan peraturan perudang-undangan ZBOH CFSMBLV EJ 3FQVCMJL *OEPOFTJB  CFSLFEVEVLBO EJ ,PUB Bandung.

15#BOL+BCBS#BOUFO4ZBSJBIJTB-JNJUFE-JBCJMJUZ$PNQBOZ which was established and perform its business activities in accordance with and based on the rules and regulations BQQMJDBCMFJOUIF3FQVCMJDPG*OEPOFTJB EPNJDJMFEJOUIF$JUZ of Bandung.

Pendirian bank bjb 4ZBSJBI EJBXBMJ EFOHBO QFNCFOUVLBO %JWJTJ6OJU6TBIB4ZBSJBIPMFI15#BOL1FNCBOHVOBO%BFSBI +BXB#BSBUEBO#BOUFO5CLQBEB.FJ)BMUFSTFCVU CFSUVKVBOVOUVLNFNFOVIJLFCVUVIBONBTZBSBLBU+BXB#BSBU ZBOHNVMBJUVNCVILFJOHJOBONFOHHVOBLBOKBTBQFSCBOLBO TZBSJBIQBEBTBBUJUV

The establishment of bank bjb4ZBSJBIXBTJOJUJBUFEXJUIUIF FTUBCMJTINFOUPGUIF4IBSJB%JWJTJPO#VTJOFTT6OJUCZ15#BOL 1FNCBOHVOBO %BFSBI +BXB #BSBU EBO #BOUFO 5CL PO .BZ 20, 2000. It has the objectives to meet the needs of the people of West Java who started growing the desire for the use of Islamic banking services at that time.

%BMBNQFSKBMBOBOOZB NBOBKFNFO1FSTFSPBOCFSQBOEBOHBO  VOUVL NFNQFSDFQBU QFSUVNCVIBO VTBIB TZBSJBI TFSUB NFOEVLVOH QSPHSBN #BOL *OEPOFTJB ZBOH NFOHIFOEBLJ QFOJOHLBUBO TIBSF QFSCBOLBO TZBSJBI  NBLB EFOHBO QFSTFUVKVBO 3BQBU 6NVN 1FNFHBOH 4BIBN 15 #BOL Pembangunan Daerah Jawa Barat dan Banten Tbk diputuskan VOUVL NFOKBEJLBO %JWJTJ6OJU 6TBIB 4ZBSJBI NFOKBEJ #BOL 6NVN4ZBSJBI

*OJUTKPVSOFZ UIFNBOBHFNFOUPGUIF$PNQBOZCFMJFWFTUIBU to accelerate the growth of Islamic business and support the programs of Bank Indonesia that pursues an increase in the share of Islamic banking, with the approval of the General Meeting of Shareholders of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk decided to make the Sharia Division/ Unit into Sharia Bank.

Sebagai tindak lanjut, maka pada 15 Januari 2010 didirikanlah CKC 4ZBSJBI CFSEBTBSLBO "LUB 1FOEJSJBO 1FSTFSPBO 5FSCBUBT /PZBOHEJCVBUPMFI'BUIJBI)FMNJ 4) /PUBSJTEJ+BLBSUB Akta telah memperoleh pengesahan dari Menkumham CFSEBTBSLBO 4VSBU ,FQVUVTBO /P ")6") 5BIVO  UBOHHBM  +BOVBSJ  EBO UFMBI EJEBGUBSLBO EBMBN %BGUBS 1FSTFSPBO TFTVBJ EFOHBO 6615 /P ")6 ")5BIVOUBOHHBM+BOVBSJ

"T B GPMMPX VQ  CKC 4ZBSJBI JU XBT FTUBCMJTIFE PO +BOVBSZ    CBTFE PO UIF -JNJUFE -JBCMJUZ $PNQBOZ %FFE /P 'BUIJBINBEFCZ'BUIJBI)FMNJ 4) /PUBSZJO+BLBSUB5IF EFFEIBTCFFOBQQSPWFECZUIF%FDSFFPGUIF.FOLVNIBN /P")6")PGEBUFE+BOVBSZ BOE IBTCFFOSFHJTUFSFEJOUIF$PNQBOZ-JTUJOBDDPSEBODFXJUI 6615/P")6")PGEBUFE+BOVBSZ  2010.

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

181

Kegiatan Usaha

Business Activity

4FTVBJ1BTBM"OHHBSBO%BTBS#BOL+BCBS#BOUFO4ZBSJBI  NBLTVE EBO UVKVBO BEBMBI NFOZFMFOHHBSBLBO VTBIB QFSCBOLBOCFSEBTBSLBOQSJOTJQTZBSJBI

In accordance with Article 3 of the Articles of Association of #BOL +BCBS #BOUFO 4ZBSJBI  UIF QVSQPTF BOE PCKFDUJWF JT UP conduct banking business based on the sharia principles.

Pengurus Bank Jabar Banten Syariah

Management of Bank Jabar Banten Sharia

%FXBO,PNJTBSJT %JSFLTJEBO%141FSJPEF

#PBSEPG$PNNJTTJPOFST %JSFDUPSTBOE%141FSJPE

Dewan Komisaris/ Board of Commissioners

Jabatan/Position Komisaris Utama/President Commissioner

Nama/Name Erick

Komisaris/Commissioner

Santoso Djojo Koesoemo

Komisaris/Commissioner

%JEJU4VQSJZBEJ

Komisaris/Commissioner

$BIZB

Direksi/ Board of Directors

Jabatan President Direktur/President Director

Nama/Name "MJ/VSJEJO

Direktur/Director

)BNBSB"EBN

Direktur/Director

)BSUB1VSOBNB CFMVNmUBOEQSPQFSUFTU

Direktur/Director

:PDJF(VTNBO CFMVNmUBOEQSPQFSUFTU

Dewan Pengawas/Supervisory Board

Jabatan Ketua/Chairman

Nama/Name Jaih Mubarok

Anggota/Member

Endjo Sunidja

Anggota/Member

3J[LB.BVMBOB

Kinerja

Performance

)JOHHB %FTFNCFS   BTFU #BOL +BCBS #BOUFO 4ZBSJBI NFOJOHLBU   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB %BSJ 3Q  USJMJVO NFOKBEJ TFCFTBS 3Q  triliun.

As of December 2014, the assets of Bank Jabar Banten 4ZBSJBIJODSFBTFECZDPNQBSFEUPUIFTBNFQFSJPEJO UIFQSFWJPVTZFBS'SPN3QUSJMMJPOUP3QUSJMMJPO

Perkembangan penghimpunan Dana Pihak Ketiga (DPK) BEBMBITFCBHBJCFSJLVU t %1, ZBOH CFSBTBM EBSJ QSPEVL (JSP  5BCVOHBO EBO %FQPTJUP NFOJOHLBU TFCFTBS   BUBV 3Q NJMJBS ZBJUV EBSJ 3Q NJMJBS QBEB %FTFNCFS  NFOKBEJ 3Q NJMJBS QBEB  %FTFNCFS  1FOJOHLBUBO tersebut ditopang oleh kenaikan Deposito sebesar 3Q NJMJBS BUBV   EBSJ 3Q NJMJBS NFOKBEJ 3QNJMJBSEJ%FTFNCFS t 1SPEVL 5BCVOHBO NFOJOHLBU 3Q NJMJBS BUBV   EBSJ3QNJMJBSEJ%FTFNCFSNFOKBEJ3QNJMJBS pada Desember 2014 dan produk Giro menurun sebesar 3Q NJMJBS BUBV  EBSJ TFCFTBS 3Q NJMJBS EJ %FTFNCFSNFOKBEJ3QNJMJBSEJ%FTFNCFS

5IFEFWFMPQNFOUPG5IJSE1BSUZ'VOET %1, JTBTGPMMPXT • Deposits derived from the products of Giro, Savings and %FQPTJUT JODSFBTFE CZ  PS 3Q  CJMMJPO GSPN 3Q CJMMJPOJO%FDFNCFSUP3Q CJMMJPOPO %FDFNCFS5IFJODSFBTFXBTESJWFOCZBOJODSFBTF JOEFQPTJUTJOUIFBNPVOUPG3Q CJMMJPO PS GSPN 3Q CJMMJPOUP3Q CJMMJPOJO%FDFNCFS t 4BWJOHTQSPEVDUTJODSFBTFECZ3QCJMMJPOPSGSPN 3Q CJMMJPO JO %FDFNCFS  UP 3Q CJMMJPO JO %FDFNCFS  BOE (JSP QSPEVDUT EFDSFBTFE CZ 3QCJMMJPOPSGSPN3QCJMMJPOJO%FDFNCFSUP 3QCJMMJPOJO%FDFNCFS

bank bjb Annual Report 2014 bank bjb Annual Report 2014

182

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

BISNIS SYARIAH

t ,PNQPTJTJ%BOB1JIBL,FUJHBCBOL+BCBS#BOUFO4ZBSJBI dari Desember 2013 hingga Desember 2014 masih didominasi oleh simpanan Deposito masing-masing TFCFTBS EBO EBSJUPUBM%BOB1JIBL,FUJHB EBONBZPSJUBTNFSVQBLBOEFQPTBOLPSQPSBTJ t .FOJOHLBUOZB WPMVNF VTBIB EJTFCBCLBO PMFI QFSUVNCVIBO QFNCJBZBBO #BOL +BCBS #BOUFO 4ZBSJBI ,JOFSKB QFNCJBZBBO CBOL bjb 4ZBSJBI UFSVT NFOHBMBNJ QFOJOHLBUBO EBO QBEB UBIVO  WPMVNF QFNCJBZBBO bjb4ZBSJBIUFMBINFODBQBJ3QNJMJBSBUBVNFOJOHLBU TFCFTBS EJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB

t 5IF5IJSE1BSUZ'VOETDPNQPTJUJPOPG#BOL+BCBS#BOUFO 4ZBSJBI GSPN %FDFNCFS  UP %FDFNCFS  JT TUJMM EPNJOBUFECZ%FQPTJUTTBWJOHTSFTQFDUJWFMZBNPVOUJOHUP BOEPGUIFUPUBM5IJSE1BSUZ'VOETBOEUIF NBKPSJUZBSFDPSQPSBUFEFQPTJUPST t 5IFJODSFBTFJOUIFCVTJOFTTWPMVNFJTEVFUPUIFmOBODJOH HSPXUI PG #BOL +BCBS #BOUFO 4ZBSJBI 5IF mOBODJOH performance of bank bjb4ZBSJBIDPOUJOVFTUPFYQFSJFODF BO JODSFBTF BOE CZ  UIF mOBODJOH WPMVNF PG CKC 4ZBSJBIIBTSFBDIFE3QCJMMJPO BOJODSFBTFPG DPNQBSFEUPUIFQSFWJPVTZFBS

Perkembangan Ekuitas (Modal)

Development of Equity (Capital)

Ekuitas terdiri dari modal disetor dan saldo laba pada 31 %FTFNCFSTFCFTBS3QNJMJBSBUBVNFOJOHLBU  dibandingkan posisi pada Desember 2013. Peningkatan ini EJTFCBCLBOPMFIMBCBZBOHEJCVLVLBObjb4ZBSJBIQBEBBLIJS UBIVOZBOHNFODBQBJ3Q NJMJBS

&RVJUZDPOTJTUTPGQBJEJODBQJUBMBOESFUBJOFEFBSOJOHTPO %FDFNCFS  BNPVOUJOH UP 3Q CJMMJPO PS BO JODSFBTF of 1.75% compared to the position in December 2013. This JODSFBTFXBTEVFUPOFUJODPNFSFDPSEFECZbjb4ZBSJBIBUUIF FOEPGXIJDISFBDIFE3QCJMMJPO

Pendapatan, Beban, Dan Laba

5HYHQXH([SHQVHVDQG3URÀW

Selama periode tahun buku 2014, pertumbuhan pendapatan, beban dan laba bank bjb4ZBSJBIBEBMBITFCBHBJCFSJLVU • Pendapatan operasional bjb 4ZBSJBI TFCFTBS 3Q NJMJBS  EJ NBOB KVNMBI UFSTFCVU CFSBTBM EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q NJMJBS EBO TJTBOZB 3QNJMJBSCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBMMBJOOZB • Beban operasional bjb 4ZBSJBI 3Q NJMJBS UFSEJSJ EBSJ CFCBO UFOBHB LFSKB 3Q NJMJBS  CFCBO BENJOJTUSBTJ EBO VNVN 3Q NJMJBS  CFCBO QFOZJTJIBO LFSVHJBO BTFU QSPEVLUJGCFSTJI3QNJMJBSEBOTJTBOZBCFSVQBCFCBO MBJOOZBTFCFTBS3QNJMJBS • Laba bersih bjb 4ZBSJBI QBEB %FTFNCFS  TFCFTBS 3QNJMJBS

%VSJOH UIF  mTDBM ZFBS QFSJPE  UIF HSPXUI PG SFWFOVFT  FYQFOTFTBOEQSPmUTPGbank bjb4ZBSJBIBSFBTGPMMPXT • Operating income of bjb 4ZBSJBI BNPVOUFE UP 3QCJMMJPO JOXIJDIUIFBNPVOUPGJODPNFEFSJWFEGSPN GVOE EJTCVSTFNFOUT JO UIF BNPVOU PG 3Q CJMMJPO BOE 3QCJMMJPOEFSJWFEGSPNPUIFSPQFSBUJOHJODPNF • Operating expenses of bjb 4ZBSJBI BNPVOUFE UP 3Q CJMMJPO DPOTJTUT PG UIF MBCPS FYQFOTF PG 3Q CJMMJPO  HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT PG 3Q CJMMJPO  UIF FYQFOTF GPS UIF OFU QSPEVDUJWF BTTFUT MPTTFT PG 3Q CJMMJPO BOE UIF SFTU PG PUIFS DPTUT XIJDI BNPVOUFEUP3QCJMMJPO t /FUJODPNFPGbjb4ZBSJBIJO%FDFNCFSBNPVOUFEUP 3QCJMMJPO.

Rasio-Rasio Keuangan

Financial Ratios $BQJUBM "EFRVBDZ 3BUJP $"3  PG bank bjb 4ZBSJBI JO December 2014 amounted to 15.78%, a decrease compared UPUIFTBNFQFSJPEUIFQSFWJPVTZFBS XIJDIXBTJOBQPTJUJPO PG

3BTJP QFSNPEBMBO $"3  CBOL bjb 4ZBSJBI QBEB %FTFNCFS 2014 sebesar 15,78%, mengalami penurunan dibandingkan QFSJPEFZBOHTBNBUBIVOTFCFMVNOZB ZBOHCFSBEBEJQPTJTJ   Rasio Rentabilitas: - Imbal hasil Aset (Return On Asseto30" TFCFTBS  QBEB %FTFNCFS   EJCBOEJOHLBO   QBEB Desember 2013.

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

Earning Ratio:  3FUVSO 0O "TTFU o 30" PG  PO %FDFNCFS   DPNQBSFEUPPO%FDFNCFS

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

183 SHARIA BUSINESS

 *NCBM )BTJM &LVJUBT Return On Equity o 30&  TFCFTBS  QBEB%FTFNCFSEJCBOEJOHLBO QBEB Desember 2013.  1FOVSVOBO 30" EBO 30& EJTFCBCLBO PMFI SBTJP #010 ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO EFOHBO UBIVOTFCFMVNOZB - /FU *OUFSFTU .BSHJO /*.  QBEB UBIVO  TFCFTBS 8,34%, mengalami peningkatan dibandingkan posisi pada %FTFNCFSTFCFTBS 



Beban Operasional terhadap Pendapatan Operasional #010  TFCFTBS   .FOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBOQPTJTJQBEB%FTFNCFSTFCFTBS 

0QFSBUJOH&YQFOTFTUP0QFSBUJOH*ODPNF #010 PG Increased compared to the position in December 2013 which XBT

Per 31 Desember 2014, Financing Deposit Ratio '%3   apabila dibandingkan dengan Desember 2013 sebesar  ,POEJTJUFSTFCVUEJTFCBCLBOQFOJOHLBUBO%1,ZBOH MFCJI UJOHHJ EJCBOEJOHLBO QFOJOHLBUBO WPMVNF QFNCJBZBBO  EJNBOB %1, NFOJOHLBU TFCFTBS 3Q NJMJBS TFEBOHLBO QFNCJBZBBOIBOZBNFOJOHLBUTFCFTBS3QNJMJBS

"TPG%FDFNCFS  UIF'JOBODJOH%FQPTJU3BUJP '%3  was 82.02% compared to December 2013 which amounted to 5IFDPOEJUJPOJTEVFUPBOJODSFBTFJOUIFmOBODJOH WPMVNFUIBUJTOPUNBUDIFECZBOJODSFBTFJOEFQPTJUT JOXIJDI mOBODJOHJODSFBTFECZ3Q CJMMJPO XIJMF%1,JODSFBTFE CZPOMZ3QCJMMJPO

Kualitas aset produktif per 31 Desember 2014 rasio-rasio UFSLBJUEFOHBOLVBMJUBTBLUJWBQSPEVLUJGBOUBSBMBJO - Piutang Murabahah /FU 1FSGPSNJOH 'JOBODJOH /1'   (SPTT  /FU1FSGPSNJOH'JOBODJOH /1' /FU  - Piutang Istishna /FU1FSGPSNJOH'JOBODJOH /1' Gross   /FU1FSGPSNJOH'JOBODJOH /1' /FU 72,08%. - Pinjaman Qardh /FU1FSGPSNJOH'JOBODJOH /1' Gross   /FU1FSGPSNJOH'JOBODJOH /1' /FU 0,00%.  1FNCJBZBBO .VEIBSBCBI /FU 1FSGPSNJOH 'JOBODJOH /1'   Gross 0,35%, /FU 1FSGPSNJOH 'JOBODJOH /1'   /FU   1FNCJBZBBO .VTZBSBLBI /FU 1FSGPSNJOH 'JOBODJOH /1' Gross  /FU1FSGPSNJOH'JOBODJOH /1'  /FU 12,50%.

5IF RVBMJUZ PG QSPEVDUJWF BTTFUT BT PG %FDFNCFS    SBUJPTBTTPDJBUFEXJUIBTTFUTRVBMJUZ BNPOHPUIFST  .VSBCBIBI3FDFJWBCMFT/FU1FSGPSNJOH'JOBODJOH /1'  (SPTT /FU1FSGPSNJOH'JOBODJOH /1' /FU  *TUJTIOB 3FDFJWBCMFT /FU 1FSGPSNJOH 'JOBODJOH /1'   (SPTT   /FU 1FSGPSNJOH 'JOBODJOH /1'   /FU 72.08%.  2BSEI-PBO/FU1FSGPSNJOH'JOBODJOH /1' (SPTT  /FU1FSGPSNJOH'JOBODJOH /1' /FU  .VEIBSBCBI 'JOBODJOH /FU 1FSGPSNJOH 'JOBODJOH /1'   (SPTT /FU1FSGPSNJOH'JOBODJOH /1' /FU  .VTZBSBLBI 'JOBODJOH /FU 1FSGPSNJOH 'JOBODJOH /1'    (SPTT   /FU 1FSGPSNJOH 'JOBODJOH /1'   /FU 12.50%.

 

3FUVSO 0O &RVJUZ o 30& PG  PO %FDFNCFS  DPNQBSFEUPPO%FDFNCFS 5IFJODSFBTFJO30"BOE30&BSFEVFUPUIF#010SBUJP XIJDIEFDSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS /FU *OUFSFTU .BSHJO /*.  JO  BNPVOUFE UP   a increase compared to the position in December 2013 XIJDIBNPVOUFEUP

bank bjb Annual Report 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

184

PD BPR LPK GARUT KOTA

PD BPR LPK GARUT KOTA PD BPR LPK GARUT KOTA

Pendirian

Establishment

1BEB UBIVO  ,BCVQBUFO (BSVU NFOEJSJLBO -FNCBHB Keuangan dengan nama Lembaga Perkreditan Kecamatan (LPK) berdasarkan Surat Keputusan Gubernur Kepala %BFSBI5JOHLBU*+BXB#BSBU/PNPS"***4,UFOUBOH Pembentukan Lembaga Perkreditan Kecamatan (LPK) di 1SPWJOTJ +BXB #BSBU  1BEB UBOHHBM  +VMJ  1% -1, EJ ,BCVQBUFO(BSVUTFMBOKVUOZBCFSVCBITUBUVTNFOKBEJ1%#13 -1, CFSEBTBSLBO ,FQVUVTBO .FOUFSJ ,FVBOHBO 3FQVCMJL Indonesia.

*O UIF(BSVU3FHFODZFTUBCMJTIFEBmOBODJBMJOTUJUVUJPO with the name of District Credit Insitution (Lembaga Perkreditan Kecamatan - LPK) based on the Decree of the Governor of 8FTU+BWB/P"***4,POUIF&TUBCMJTINFOUPGUIF District Credit Institution (LPK) in West Java Province. On +VMZ    UIF -1, USBEJOH DPNQBOZ JO (BSVU 3FHFODZ TVCTFRVFOUMZ DIBOHFE JUT TUBUVT UP 3VSBM #BOL 5SBEJOH $PNQBOZ%JTUSJDU$SFEJU*OTUJUVUJPO 1%#13-1, CBTFEPOUIF %FDSFFPGUIF.JOJTUSZPG'JOBODFPGUIF3FQVCMJDPG*OEPOFTJB

Pemerintah Provinsi Jawa Barat telah mengeluarkan beberapa kebijakan terkait dengan pengembangan PD. #13 NJMJL CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU EBO Banten, Pemerintah Kabupaten dan PT Bank Pembangunan %BFSBI +BXB #BSBU  5CL  EFOHBO EJLFMVBSLBOOZB 1FSEB /P  UBIVO  UFOUBOH 1FSVCBIBO BUBT 1FSEB /P  UBIVO UFOUBOH1%#13EBO1%1,ZBOHEJBOUBSBOZBNFOHBUVS mengenai penggabungan melalui konsolidasi atau merger 1%#13EJTFUJBQ,BCVQBUFONFOKBEJ TBUV 1%#13

The West Java Provincial Government has issued several QPMJDJFT SFMBUFE UP UIF EFWFMPQNFOU PG 3VSBM #BOL 5SBEJOH $PNQBOZ 1%#13 XIJDIKPJOUMZCFMPOHTUPUIFHPWFSONFOU PG 8FTU +BWB BOE #BOUFO  UIF HPWFSONFOU PG UIF 3FHFODZ and PT Bank Pembangunan Daerah Jawa Barat, Tbk, XJUI UIF JTTVBODF PG 3FHVMBUJPO /P  :FBS  PO UIF "NFOENFOUPG3FHVMBUJPO/P:FBSPO1%#13BOE PD. The regulation among others regulates merger through DPOTPMJEBUJPOPSNFSHFSPG1%#13JOFBDIPGUIFEJTUSJDUUP POF 1%#13

Sesuai surat ijin Sesuai Surat Keputusan Deputi Gubernur #BOL *OEPOFTJB /P ,&1%Q( UBOHHBM  0LUPCFS  ZBOH EJTBNQBJLBO PMFI #* #BOEVOH NFMBMVJ TVSBU #* /P %,#6*%"E#E UBOHHBM  0LUPCFS  QFSJIBM 1FNCFSJBO *[JO 1FOHHBCVOHBO 6TBIB .FSHFS   1% #13 -1, ,BC (BSVU (BSVU ,PUB  4VLBXFOJOH  #BZPOHCPOH  Cikajang, Banjarwangi, Cibalong dan Leuwigoong) ke dalam 1%#13-1,(BSVU,PUB ZBOHUFMBICFSPQFSBTJTFKBLUBOHHBM %FTFNCFS NFMBMVJQFOVUVQBOOFSBDBEBONFOZVTVO OFSBDB QFNCVLBBO 1% #13 IBTJM NFSHFS QBEB UBOHHBM  %FTFNCFS  TFSUB QFOHVNVNBO 1% #13 IBTJM NFSHFS tanggal 27 Desember 2011. Setelah penggabungan usaha 1%#13-1,(BSVU,PUBIJOHHBTBBUJOJCFSLFNCBOHNFOKBEJ 1 (satu) kantor pusat, 7 (tujuh) kantor cabang dan 4 (empat) kantor kas.

5IF %FDSFF PG UIF %FQVUZ (PWFSOPS PG #BOL *OEPOFTJB /P ,&1%Q( EBUFE 0DUPCFS    TVCNJUUFE CZ #* #BOEVOH UISPVHI UIF #* MFUUFS /P %,#6*%"E Bd dated October 17, 2011 released the granting of Merger QFSNJU PG  UIF 1% #13-1, JO (BSVU 3FHFODZ (BSVU ,PUB  4VLBXFOJOH  #BZPOHCPOH  $JLBKBOH  #BOKBSXBOHJ  $JCBMPOH BOE-FVXJHPPOH JOUP1%#13-1,(BSVU,PUB1%#13-1, Garut Kota has been operating since December 27, 2011, upon the closing of the balance sheet and the formulation of BOPQFOJOHCBMBODFTIFFUPGUIF1%#13NFSHFEJO%FDFNCFS     BOE UIF BOOPVODFNFOU PG UIF SFTVMU PG 1% #13 merger in December 27, 2011. After the merger until now, PD #13-1,(BSVU,PUBIBTEFWFMPQFEJOUP POF IFBEPGmDF  (seven) branches and 4 (four) treasuries.

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

185 PD BPR LPK GARUT KOTA

Kegiatan Usaha

Business Activities

4FTVBJ EFOHBO 66 /P UFOUBOH 1FSCBOLBO TFCBHBJNBOBUFMBIEJVCBIEFOHBO66/P%BMBN66 UFSTFCVU TFDBSB UFHBT EJTFCVULBO CBIXB #13 BEBMBI #BOL ZBOHNFMBLTBOBLBOLFHJBUBOVTBIBTFDBSBLPOWFOTJPOBMBUBV CFSEBTBSLBO QSJOTJQ TZBSJBI ZBOH EBMBN LFHJBUBOOZB UJEBL NFNCFSJLBO KBTB EBMBN MBMV MJOUBT QFNCBZBSBO  ,FHJBUBO VTBIB #13 UFSVUBNB EJUVKVLBO VOUVL NFMBZBOJ VTBIBVTBIB LFDJM EBO NBTZBSBLBU EJ EBFSBI QFEFTBBO #FOUVL IVLVN #13EBQBUCFSVQB1FSTFSPBO5FSCBUBT 1FSVTBIBBO%BFSBI  atau Koperasi.

*O BDDPSEBODF UP "DU /P  PO #BOLJOH BT BNFOEFE CZ -BX /P   UIF MBX FYQMJDJUMZ NFOUJPOFE UIBU 3VSBM #BOL #13  JT B #BOL DPOEVDUJOH DPOWFOUJPOBM CVTJOFTT PS CBTFE PO TIBSJB QSJODJQMFT JO XIJDI XJUIJO JUT BDUJWJUZ UIF #BOL EPFT OPU QSPWJEF TFSWJDFT JO QBZNFOU USBOTBDUJPOT #13CVTJOFTTBDUJWJUJFTBSFQSJNBSJMZJOUFOEFEUPTFSWFTNBMM businesses and the communities in rural areas. The legal form PG#13JTB-JNJUFE-JBCJMJUZ$PNQBOZ 3FHJPOBM$PNQBOZ PS Cooperative.

Pengurus PD BPR LPK Garut Kota

The Management of PD BPR LPK Garut City

%JSFLTJEBO%FXBO1FOHBXBT1FSJPEF#13(BSVU,PUB

5IF#PBSEPG%JSFDUPSTBOEUIF4VQFSWJTPSZ#PBSEPG#13(BSVU,PUB

Direksi/Board of Directors

Jabatan/Position Direktur Utama/President Director Direktur/Director

Dewan Pengawas/Supervisory Board

Nama/Name Drs. Aam Muhamad, MM Dani hadian, ST, MM

Jabatan/Position Ketua/Chairman

Nama/Name Tedi Kusnadi, SE, MM

Anggota/Member

%ST%FEJ4VUBSEJ/BUBNJIBSKB

Kinerja

Performance

t "TFU1%#13-1,(BSVU,PUBQBEBCVMBO%FTFNCFS NFOJOHLBU TFCFTBS 3Q KVUB BUBV TFCFTBS   dibandingkan setahun lalu Desember 2013 sebesar 3Q  KVUB NFOKBEJ 3Q KVUB EJ %FTFNCFS 2014. • Peningkatan tersebut terutama dipengaruhi oleh NFOJOHLBUOZB QJOKBNBO ZBOH EJUFSJNB EBO QFOJOHLBUBO DPK t 1JOKBNBOZBOH%JUFSJNBQPTJTJ%FTFNCFSNFOHBMBNJ QFOJOHLBUBO TFCFTBS 3Q KVUB BUBV   EBSJ %FTFNCFS  TFCFTBS 3Q KVUB NFOKBEJ 3QKVUBEJCVMBO%FTFNCFS • Dana Tabungan posisi Desember 2014 tumbuh sebesar 3Q KVUB BUBV TFCFTBS   EJCBOEJOHLBO EFOHBO %FTFNCFS  TFCFTBS 3Q KVUB NFOKBEJ 3QKVUB • Dana Deposito posisi Desember 2014 meningkat sebesar 3QKVUBBUBVUVNCVITFCFTBS EJCBOEJOHLBO EFOHBO %FTFNCFS  TFCFTBS 3Q KVUB NFOKBEJ TFCFTBS3QKVUB

t 5IFBTTFUTPG1%#13-1,(BSVU,PUBJO%FDFNCFS JODSFBTFE CZ 3Q  NJMMJPO PS  BOE CFDBNF 3Q  NJMMJPO DPNQBSFE UP 3Q  NJMMJPO JO December 2013. t 5IF JODSFBTF XBT NBJOMZ JOnVFODFE CZ UIF JODSFBTF JO MPBOTBOEUIFJODSFBTFJOUIJSEQBSUZGVOET t -PBOT BT PG %FDFNCFS  JODSFBTFE CZ 3Q  NJMMJPO PS  BOE CFDBNF 3Q  NJMMJPO GSPN 3Q NJMMJPOJO%FDFNCFS t 4BWJOHT BT PG %FDFNCFS  HSFX CZ 3Q  NJMMJPO PS  BOE CFDBNF 3Q  NJMMJPO DPNQBSFE UP 3Q NJMMJPO%FDFNCFS t 5JNF %FQPTJUT BT PG %FDFNCFS  JODSFBTFE CZ 3Q  NJMMJPO  BO JODSFBTF PG  BOE CFDBNF 3Q  NJMMJPO DPNQBSFE UP UIF OVNCFS JO %FDFNCFS XIJDIBNPVOUFEUP3Q NJMMJPO

bank bjb Annual Report 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

186

PD BPR LPK GARUT KOTA

t %BSJ TJTJ QFOZBMVSBO EBOB  ,SFEJU UVNCVI TFCFTBS 3Q KVUB BUBV TFCFTBS   EJCBOEJOHLBO EFOHBO QPTJTJ %FTFNCFS  TFCFTBS 3Q KVUB NFOKBEJTFCFTBS3QKVUB TFEBOHLBO"OUBS#BOL Aktiva pada bulan Desember 2014 meningkat sebesar 3QKVUB BUBVUVNCVITFCFTBS EJCBOEJOHLBO dengan bulan Desember 2013.

t *O UFSNT PG UIF EJTUSJCVUJPO PG GVOET  DSFEJU HSFX CZ 3Q  NJMMJPO PS  BOE CFDBNF 3Q  million compared to the position in December 2013 which BNPVOUFE UP 3Q  NJMMJPO  NFBOXIJMF UIF JOUFSCBOL BTTFUTJO%FDFNCFSJODSFBTFECZ3Q NJMMJPO PS HSFXCZDPNQBSFEUPOVNCFSJO%FDFNCFS

Perkembangan Ekuitas

Development of Equity

&LVJUBT QBEB  %FTFNCFS  NFODBQBJ 3Q KVUB atau meningkat 20,08% dibandingkan posisi Desember 2013. 1FOJOHLBUBOJOJUFSVUBNBEJQFOHBSVIJPMFIBEBOZBUBNCBIBO TFUPSBO NPEBM EBSJ QFNFHBOH TBIBN  ZBJUV 1FNQSPW +BXB #BSBUEBO1FNLBC(BSVUTFCFTBS3QKVUBTFSUBUFSEBQBU MBCBZBOHEJCVLVLBOPMFI1%#13-1,(BSVU,PUBQBEBBLIJS UBIVOTFCFTBS3QKVUB

&RVJUZBTPG%FDFNCFS BNPVOUFEUP3Q NJMMJPO  an increase of 20.08% compared to December 2013. The JODSFBTFXBTNBJOMZJOnVFODFECZUIFQSFTFODFPGBEEJUJPOBM DBQJUBMDPOUSJCVUFECZTIBSFIPMEFST OBNFMZUIFHPWFSONFOU PG8FTU+BWB1SPWJODFBOEUIFHPWFSONFOUPG(BSVU3FHFODZ BNPVOUFE 3Q  NJMMJPO BOE FBSOJOHT QPTUFE CZ 1% #13 LPK Garut Kota as of the end of 2014 which amounted to 3Q NJMMJPO

Laba Tahun Berjalan

&XUUHQW
Laba Tahun Berjalan bulan Desember 2014 adalah sebesar 3QKVUB1FSUVNCVIBOMBCBUFSTFCVUUFSVUBNBEJUPQBOH PMFI QFOJOHLBUBO QFOEBQBUBO CVOHB TFCFTBS 3Q KVUB BUBV   EBSJ %FTFNCFS  TFCFTBS 3Q KVUB NFOKBEJ3QKVUBEJ%FTFNCFS

$VSSFOU :FBS 1SPmU BT PG %FDFNCFS  BNPVOUFE UP 3Q  NJMMJPO 5IF QSPmU HSPXUI XBT NBJOMZ TVQQPSUFE CZ UIFJODSFBTFJOJOUFSFTUJODPNFPG3Q NJMMJPOPS GSPN3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPO in December 2014.

Rasio-Rasio Keuangan

Financial Ratios

t 3BTJP $"3 #13 (BSVU ,PUB QBEB CVMBO %FTFNCFS  mengalami penurunan dari Desember 2013 sebesar 22,17% menjadi 20,12% di Desember 2014. • Cash Ratio $3  QPTJTJ %FTFNCFS  BEBMBI TFCFTBS 33,05%. t 3BTJP-%31%#13-1,(BSVU,PUBCVMBO%FTFNCFS NFOHBMBNJ QFOJOHLBUBO TFCFTBS   EBSJ %FTFNCFS TFCFTBS NFOKBEJ ZBOHEJTFCBCLBO PMFI QFOJOHLBUBO %BOB ZBOH MFCJI UJOHHJ EJCBOEJOHLBO dengan peningkatan Kredit, dimana Dana meningkat TFCFTBS 3Q KVUB TFEBOHLBO ,SFEJU NFOJOHLBU TFCFTBS3QKVUB • Kualitas aset produktif (KAP) per 31 Desember 2014 PD #13-1,(BSVU,PUBBEBMBITFCFTBS  t 3BTJP/1-QPTJTJ%FTFNCFSNFOHBMBNJQFOVSVOBO LVBMJUBT TFCFTBS   EBSJ CVMBO %FTFNCFS  TFCFTBS NFOKBEJTFCFTBS 4FJSJOHEFOHBO QFOJOHLBUBO SBTJP /1-  SBTJP 11"1 NFOJOHLBU EBSJ %FTFNCFS  TFCFTBS   NFOKBEJ   EJ Desember 2014.

t #13(BSVU,PUBT$"3BTPG%FDFNCFSEFDSFBTFE from 22.17% in December 2013 to 20.12% in December 2014. t $BTI 3BUJP $3  BT PG %FDFNCFS  BNPVOUFE UP 33.05%. t 1% #13 -1, (BSVU ,PUBT -%3 BT PG %FDFNCFS  JODSFBTFE CZ  GSPN  JO %FDFNCFS  UP JO%FDFNCFSEVFUPUIFIJHIFSJODSFBTFJO funds compared to the increase in loans, where funds JODSFBTFECZ3Q NJMMJPOXIJMFMPBOTPOMZJODSFBTFE CZ3Q NJMMJPO t 1%#13-1,(BSVU,PUBTQSPEVDUJWFBTTFUTRVBMJUZ ,"1  as of December 31, 2014 amounted to 3.08%. t 5IFRVBMJUZPG/1-SBUJPBTPG%FDFNCFSEFDSFBTFE CZGSPNJO%FDFNCFSUP"MPOH XJUIUIFJODSFBTFJO/1-SBUJP 11"1SBUJPJODSFBTFEGSPN JO%FDFNCFSUPJO%FDFNCFS

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

187 PD BPR LPK GARUT KOTA

t 3BTJP 30" EJ CVMBO %FTFNCFS  NFOHBMBNJ penurunan sebesar 0,3% dibandingkan dengan bulan %FTFNCFSEBSJTFCFTBS NFOKBEJ ZBOH dipengaruhi oleh peningkatan rasio BOPO dari sebesar   NFOKBEJ   ZBOH EJEPNJOBTJ PMFI CFCBO CVOHB EJJLVUJ EFOHBO CFCBO QFOZVTVUBOQFOHIBQVTBO ZBOH NBTJOHNBTJOH NFOHBMBNJ QFOJOHLBUBO TFCFTBS 3QKVUBEBO3QKVUB

t 30"JO%FDFNCFSEFDSFBTFECZOBNFMZGSPN UPXIJDIXBTJOnVFODFECZUIFJODSFBTFJO operating expense to operating revenue ratio from 84.32% UP  XIJDI XBT EPNJOBUFE CZ JOUFSFTU FYQFOTFT BOE GPMMPXFE CZ EFQSFDJBUJPOXSJUFPGG FYQFOTFT XIJDI SFTQFDUJWFMZ JODSFBTFE CZ 3Q  NJMMJPO BOE 3Q  million.

bank bjb Annual Report 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

188

PD BPR LPK JALANCAGAK PD BPR LPK JALANCAGAK

Pendirian

Establishment

1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU-1,+BMBODBHBL didirikan berdasarkan Surat Keputusan Bupati kepala daerah UJOHLBU ** 4VCBOH /P 45"1QF4, UBOHHBM  4FQUFNCFS  EFOHBO OBNB 1% #BEBO 1FSLSFEJUBO Pasar Jalancagak. Berdasarkan Surat Keputusan Bupati ,FQBMB %BFSBI 5JOHLBU ** 4VCBOH /P 1& UBOHHBM 4FQUFNCFSEJVCBINFOKBEJ1FSVTBIBBO%BFSBI#BOL 1FSLSFEJUBO3BLZBU-1,+BMBODBHBL

1% #13 -1, +BMBODBHBL XBT FTUBCMJTIFE CBTFE PO UIF %FDSFF PG UIF 3FHFOU PG 4VCBOH /P 45"1QF 4,EBUFE4FQUFNCFS XJUIUIFOBNF1%#131BTBS +BMBODBHBL #BTFE PO UIF %FDSFF PG UIF 3FHFOU PG 4VCBOH /P1&EBUFE4FQUFNCFS UIF$PNQBOZXBT DIBOHFEJOUP1%#13-1,+BMBODBHBL

,FHJBUBOVTBIB1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU LPK Jalancagak telah memperoleh izin dari Departemen ,FVBOHBO 3FQVCMJL *OEPOFTJB NFMBMVJ 4VSBU ,FQVUVTBO .FOUFSJ ,FVBOHBO /P ,&1,. UBOHHBM 'FCSVBSJTFSUBEBSJ#BOL*OEPOFTJB EFOHBOTVSBU/P 6#13"E3#EUBOHHBM"QSJM

5IFCVTJOFTTBDUJWJUJFTPG1%#13-1,+BMBODBHBLPCUBJOFE QFSNJTTJPO GSPN UIF .JOJTUSZ PG 'JOBODF PG UIF 3FQVCMJD PG *OEPOFTJBUISPVHIUIF%FDSFFPGUIF.JOJTUFSPG'JOBODF/P ,&1,.EBUFE'FCSVBSZ BOEGSPN#BOL *OEPOFTJBUISPVHIMFUUFS/P6#13"E3#EEBUFE"QSJM  

Dengan Izin Prinsip berdasarkan Keputusan Deputi Gubernur #BOL*OEPOFTJB/P,&1%Q(UBOHHBM"HVTUVT 2011 tentang Pemberian Izin Penggabungan Usaha (Merger) 1% #13 -1, $JTBMBL  1% #13 -1, 1BHBEFO  1% #13 -1, 1VSXBEBEJ EBO 1% #13 -1, 1BNBOVLBO LF EBMBN 1% #13 LPK Jalancagak.

8JUI 1SJODJQMF 1FSNJU CBTFE PO UIF %FDSFF PG UIF %FQVUZ (PWFSOPS PG #BOL *OEPOFTJB /P ,&1%Q( EBUFE "VHVTU    PO UIF 3FMFBTF PG 1FSNJU GPS UIF NFSHFS PG 1% #13 -1, $JTBMBL  1% #13 -1, 1BHBEFO  1% #13 -1, 1VSXBEBEJ BOE 1% #13 -1, 1BNBOVLBO JOUP 1% #13 -1, Jalancagak.

Penggabungan usaha (merger 1%#13-1,+"-"/$"(", UFSIJUVOHUBOHHBM4FQUFNCFSBEBMBIZBOHQFSUBNBEJ Jawa Barat dan telah dicatat dalam administrasi pengawasan #BOL *OEPOFTJB CFSEBTBSLBO 4VSBU #BOL *OEPOFTJB /PNPS %,#6*%"E#EUFOUBOH1FMBLTBOBBO.FSHFS1%#13 LPK Jalancagak.

5IFNFSHFSPG1%3#-1,+BMBODBHBLDPNNFODJOH4FQUFNCFS  XBTUIFmSTUUPCFDPOEVDUFEJO8FTU+BWBBOEIBT been recorded in Bank Indonesia’s supervision administration CBTFE PO #BOL *OEPOFTJB -FUUFS /P %,#6*%"E#E POUIFJNQMFNFOUBUJPOPGNFSHFSPG1%#13-1,+BMBODBHBL

Pada tahun 2012, bank bjbUFMBINFOHBLVJTJTJ1%#13-1, Jalancagak sesuai dengan Surat Keputusan Bank Indonesia /P,&1(#*#EUBOHHBM4FQUFNCFS

In 2012, bank bjb IBT BDRVJSFE 1% #13 -1, +BMBODBHBL JO BDDPSEBODFXJUIUIF%FDSFFPG#BOL*OEPOFTJB/P,&1 GBI/Bd/2012 dated September 28, 2012.

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

189

Pengurus PD BPR LPK Jalancagak

Management of PD BPR LPK Jalancagak

%JSFLTJEBO%FXBO1FOHBXBT1FSJPEF#13-1,+BMBODBHBL

#PBSEPG%JSFDUPSTBOE4VQFSWJTPSZ#PBSEPG#13-1,+BMBODBHBLJOUIF Period of 2014-2015

Direksi/Board of Directors

Jabatan

Nama/Name

Direktur Utama/President Director Direktur/Director

Dewan Pengawas/Supervisory Board

%ST)0NBO4VOBOEBS %ST).BNBO4VLJSNBO ."1

Jabatan

Nama/Name

Ketua/Chairman

Drs. Sarpan Sujana

Anggota/Member

)FUUZ+VJUBOJOHSVN 4"1

Kinerja

Performance

)JOHHB %FTFNCFS   BTFU 1% #13 -1, +BMBODBHBL NFOJOHLBU   EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB %BSJ 3Q KVUB NFOKBEJ TFCFTBS 3QKVUB

6OUJM%FDFNCFS UIFBTTFUTPG1%#13-1,+BMBODBHBL JODSFBTFE  DPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS  OBNFMZ GSPN 3Q  NJMMJPO UP 3Q  million.

Perkembangan penghimpunan Dana Pihak Ketiga (DPK) BEBMBITFCBHBJCFSJLVU t %1, ZBOH CFSBTBM EBSJ QSPEVL 5BCVOHBO EBO %FQPTJUP NFOJOHLBU TFCFTBS   BUBV 3Q KVUB ZBJUV EBSJ 3Q KVUB QBEB %FTFNCFS  NFOKBEJ 3Q juta pada 31 Desember 2014. t 1SPEVL5BCVOHBONFOJOHLBU3QKVUBBUBV EBSJ 3Q KVUB EJ %FTFNCFS  NFOKBEJ 3Q KVUB pada Desember 2014. t 1SPEVL %FQPTJUP NFOJOHLBU TFCFTBS 3Q KVUB BUBV   EBSJ TFCFTBS 3Q KVUB EJ %FTFNCFS  NFOKBEJ3QKVUBEJ%FTFNCFS

5IFEFWFMPQNFOUPGUIJSEQBSUZGVOET 51' JTBTGPMMPXT • TPK derived from Savings and Deposits products JODSFBTFE CZ  PS 3Q  NJMMJPO  GSPN 3Q  NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO%FDFNCFS 31, 2014. t 4BWJOHT JODSFBTFE CZ 3Q NJMMJPO PS  GSPN 3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO December 2014. t %FQPTJUT JODSFBTFE CZ 3Q  NJMMJPO PS  GSPN 3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO December 2014.

Perkembangan Ekuitas (Modal)

Development of Equity (Capital)

Ekuitas terdiri dari modal disetor dan saldo laba pada 31 %FTFNCFS  TFCFTBS 3Q KVUB BUBV NFOJOHLBU   EJCBOEJOHLBO QPTJTJ QBEB %FTFNCFS  1FOJOHLBUBOJOJUFSVUBNBEJTFCBCLBOPMFIBEBOZBUBNCBIBO modal disetor oleh Pemerintah Provinsi Jawa Barat sebesar 3QKVUBQBEB%FTFNCFS

&RVJUZ DPOTJTUT PG QBJEJO DBQJUBM BOE SFUBJOFE FBSOJOHT BU %FDFNCFS    BNPVOUFE UP 3Q  NJMMJPO  BO JODSFBTF PG  DPNQBSFE UP UIF QPTJUJPO JO %FDFNCFS  5IF JODSFBTF XBT QSJNBSJMZ EVF UP BEEJUJPOBM QBJEJO DBQJUBMCZUIF(PWFSONFOUPG8FTU+BWB1SPWJODFPG3Q million at December 31, 2014.

Pendapatan, Beban, dan Laba

5HYHQXH([SHQVHDQG3URÀW

Selama periode tahun buku 2014, pertumbuhan pendapatan, CFCBO EBO MBCB 1% #13 -1, +BMBODBHBL BEBMBI TFCBHBJ CFSJLVU t 1FOEBQBUBO PQFSBTJPOBM 1% #13 -1, +BMBODBHBL TFCFTBS 3Q KVUB  EJ NBOB KVNMBI UFSTFCVU CFSBTBM EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q KVUB EBO

%VSJOH UIF QFSJPE PG UIF  mTDBM ZFBS  UIF HSPXUI PG SFWFOVF FYQFOTFBOEQSPmUPG1%#13-1,+BMBODBHBLJTBT GPMMPXT t 0QFSBUJOHJODPNFPG1%#13-1,+BMBODBHBLBNPVOUFE UP3Q NJMMJPO JOXIJDIUIFBNPVOUXBTEFSJWFEGSPN the income from the distribution of funds with the amount of

bank bjb Annual Report 2014 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Ikhtisar Saham & Obligasi Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO Laporan Keuangan Konsolidasian %BUB1FSVTBIBBO Data Perusahaan

190

PD BPR LPK JALANCAGAK

TJTBOZB3QKVUBCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBM MBJOOZB t #FCBO PQFSBTJPOBM 1% #13 -1, +BMBODBHBL 3Q KVUBUFSEJSJEBSJCFCBOUFOBHBLFSKB3QKVUB CFCBO CVOHB 3Q KVUB  CFCBO BENJOJTUSBTJ EBO VNVN 3Q KVUB  CFCBO QFOZJTJIBO LFSVHJBO BTFU QSPEVLUJG CFSTJI 3Q KVUB EBO TJTBOZB CFSVQB CFCBO MBJOOZB TFCFTBS3QKVUB t -BCB CFSTJI 1% #13 -1, +BMBODBHBL QBEB %FTFNCFS TFCFTBS3QKVUB

3Q NJMMJPOBOE3Q NJMMJPOGSPNPUIFSPQFSBUJOH income. t 0QFSBUJOHFYQFOTFTPG1%#13-1,+BMBODBHBLBNPVOUFE UP3Q NJMMJPOXIJDIDPOTJTUTPG3Q NJMMJPOPG MBCPSDPTU 3Q NJMMJPOPGJOUFSFTUFYQFOTF 3Q  NJMMJPO PG HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT  3Q  million of provision for net loss of productive assets and 3Q NJMMJPOPGUIFPUIFSFYQFOTFT t /FUQSPmUPG1%#13-1,+BMBODBHBLJO%FDFNCFS BNPVOUFEUP3Q NJMMJPO

Rasio-Rasio Keuangan

Financial Ratios

3BTJP QFSNPEBMBO $"3  1% #13 -1, +BMBODBHBL QBEB %FTFNCFS  TFCFTBS    NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB  ZBOH CFSBEBEJQPTJTJ  3BTJPSFOUBCJMJUBT - Imbal hasil Aset (Return On Asset  30"  TFCFTBS  QBEB%FTFNCFS EJCBOEJOHLBO QBEB Desember 2013.  *NCBM )BTJM &LVJUBT Return On Equity  30&  TFCFTBS  QBEB%FTFNCFSEJCBOEJOHLBO QBEB Desember 2013.  1FOVSVOBO30"EBO30&EJTFCBCLBOPMFIQFSPMFIBOMBCB ZBOHMFCJISFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBTFSUB SBTJP #010 ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO EFOHBOUBIVOTFCFMVNOZB - /FU *OUFSFTU .BSHJO /*.  QBEB UBIVO  TFCFTBS   NFOHBMBNJQFOVSVOBOEJCBOEJOHLBOQPTJTJQBEB Desember 2013 sebesar 13,31%. - Beban Operasional terhadap Pendapatan Operasional #010  TFCFTBS   .FOHBMBNJ QFOJOHLBUBO dibandingkan posisi pada Desember 2013 sebesar    1FS%FTFNCFS -POH%FQPTJU3BUJP-%3   apabila dibandingkan dengan Desember 2013 sebesar   ,POEJTJ UFSTFCVU EJTFCBCLBO QFOJOHLBUBO %1, ZBOH MFCJI UJOHHJ EJCBOEJOHLBO QFOJOHLBUBO LSFEJU ZBOH EJCFSJLBO  EJNBOB %1, NFOJOHLBU TFCFTBS   TFEBOHLBO LSFEJU ZBOH EJCFSJLBO IBOZB NFOJOHLBU sebesar 13,14%. - Kualitas aset produktif (KAP) per 31 Desember 2014 PD #13-1,+BMBODBHBLBEBMBITFCFTBS   /1- QFS  %FTFNCFS  1% #13 -1, +BMBODBHBL adalah sebesar 3,87%.

$BQJUBMBEFRVBDZSBUJP $"3 PG1%#13-1,+BMBODBHBLJO %FDFNCFSBNPVOUFEUP BOJODSFBTFDPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIJDI XBT JO UIF QPTJUJPOPG

bank bjb Laporan Tahunan 2014 bank bjb Laporan Tahunan 2014

1SPmUBCJMJUZSBUJPT  3FUVSO 0O "TTFUT 30"  PG  JO %FDFNCFS   DPNQBSFEUPJO%FDFNCFS  3FUVSO PO &RVJUZ 30&  PG  JO %FDFNCFS  compared to 17.07% in December 2013.  5IF EFDMJOF JO 30" BOE 30& XFSF DBVTFE CZ UIF MPXFS QSPmUSFDFJWFEDPNQBSFEUPUIFQSPmUJOUIFQSFWJPVTZFBS BOE#010SBUJPJODSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS  /FU *OUFSFTU .BSHJO /*.  JO  BNPVOUFE UP   a decrease compared to the position in December 2013 which amounted 13.31%. - Operating Expenses to Operating Income (BOPO) XBT   BO JODSFBTF DPNQBSFE UP UIF QPTJUJPO JO %FDFNCFSXIJDIBNPVOUFEUP  "TPG%FDFNCFS  -POH%FQPTJU3BUJPBNPVOUFE UP  DPNQBSFE UP  JO %FDFNCFS  5IF DPOEJUJPOXBTDBVTFECZUIFIJHIFSJODSFBTFJOEFQPTJUT compared to the increase in loans, where deposits JODSFBTFE CZ  XIJMF MPBOT POMZ JODSFBTFE CZ 13.14%.  "TPG%FDFNCFS  UIFRVBMJUZPGQSPEVDUJWFBTTFUT ,"1 PG1%#13-1,+BMBODBHBLBNPVOUFEUP  "T PG %FDFNCFS    UIF /1- PG 1% #13 -1, Jalancagak amounted to 3.87%.

Introduction Management Report .BOBHFNFOU3FQPSU $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

191

RENCANA TERHADAP ANAK PERUSAHAAN DAN PERUSAHAAN ASOSIASI KE DEPAN THE FUTURE PLAN FOR SUBSIDIARIES AND ASSOCIATED COMPANIES

bank bjb Syariah - Kerja sama Host to Host untuk meningkatkan brand image perusahaan, memperluas jaringan kantor, serta FmTJFOTJ CJBZB LIVTVTOZB USBOTBLTJ NFMBMVJ "5. EFOHBO menggunakan jaringan host to host core banking system antara bank bjb dengan bank bjb4ZBSJBI  1FOJOHLBUBO TFUPSBO NPEBM ZBOH EJMBLVLBO VOUVL memperkuat struktur permodalan (modal inti) bank bjb 4ZBSJBIBHBSNBTVLLFEBMBN#6,6 EVB UFSLBJUEFOHBO BEBOZB QFNCBUBTBO LFHJBUBO VTBIB EBO QFSMVBTBO jaringan berdasarkan Peraturan Bank Indonesia nomor 1#* QFSJIBM ,FHJBUBO 6TBIB EBO +BSJOHBO Kantor Berdasarkan Modal Inti Bank.

bank bjb Sharia  )PTU UP )PTU DPPQFSBUJPO UP JNQSPWF UIF $PNQBOZT CSBOEJNBHF FYQBOEUIFPGmDFOFUXPSL BTXFMMBTDPTU FGmDJFODZ FTQFDJBMMZ "5. USBOTBDUJPOT VTJOH UIF IPTU UP IPTUDPSFCBOLJOHTZTUFNOFUXPSLCFUXFFOCBOLbjb and bank bjb Sharia. - Increase paid-up capital to strengthen the capital structure (core capital) of bank bjb Sharia so as to enter BOOK 2 (two) related to the restrictions on business activities and FYQBOTJPOPGOFUXPSLCBTFEPO#BOL*OEPOFTJB3FHVMBUJPO /P 1#* SFHBSEJOH #VTJOFTT "DUJWJUJFT BOE 0GmDF/FUXPSL#BTFEPOUIF#BOLT$PSF$BQJUBM

PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak - Perubahan bentuk badan hukum Perusahaan Daerah (PD) NFOKBEJ 1FSTFSPBO 5FSCBUBT 15  TFTVBJ EFOHBO 1&3%" /PNPS5BIVOUFOUBOH1FSVCBIBO#FOUVL)VLVN 1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU)BTJM.FSHFS di Kabupaten Garut, Kabupaten Subang, Kabupaten $JBOKVS EBO ,BCVQBUFO 5BTJLNBMBZB NFOKBEJ 1FSTFSPBO 5FSCBUBT ZBOH EJMBLVLBO VOUVL NFNQFSMVBT XJMBZBI EBO QSPEVLVTBIB#13EBONFOJOHLBULBOEBZBTBJOHEFOHBO perbankan konvensional. - Kerja sama Host to Host VOUVL NFOJOHLBULBO QFMBZBOBO dan keunggulan produk melalui fasilitas ATM kepada OBTBCBI #13  FmTJFOTJ CJBZB TFSUB NFNQFSLVBU brand image #13 EBO CBOL bjb sebagai satu kesatuan LIVTVTOZBCBHJ#13 NFOJOHLBULBOOJMBJKVBM#13  - Pemenuhan kewajiban setoran modal untuk memperkuat permodalan perusahaan dan mewujudkan industri #13 ZBOH TFIBU LVBU  QSPEVLUJG  EBO EJQFSDBZB HVOB mendukung pertumbuhan perekonomian daerah, serta NFODJQUBLBO LPOEJTJ ZBOH LPOEVTJG VOUVL NFOEPSPOH QFOJOHLBUBOLJOFSKB#13

PD BPR LPK Garut Kota and PD BPR LPK Jalancagak  5IF DPOWFSTJPO PG UIF MFHBM GPSN PG FOUJUZ GSPN 3FHJPOBM $PNQBOZ 1%  JOUP -JNJUFE -JBCJMJUZ $PNQBOZ 15  JO BDDPSEBODF XJUI UIF 3FHJPOBM 3FHVMBUJPO /P  :FBS 2013 concerning the conversion of the legal form from 3FHJPOBM $PNQBOZ PG UIF 3VSBM #BOLT #13  SFTVMUFE GSPN .FSHFS JO (BSVU  4VCBOH  $JBOKVS BOE 5BTJLNBMBZB EJTUSJDUT JOUP B -JNJUFE -JBCJMJUZ $PNQBOZ XBT QFSGPSNFE UP FYQBOE UIF CVTJOFTT BSFB BOE QSPEVDUT PG #13 BOE improve competitiveness with conventional banks.  )PTUUP)PTUDPPQFSBUJPOUPJNQSPWFTFSWJDFTBOEQSPEVDU FYDFMMFODF UISPVHI UIF GBDJMJUZ PG "5. GPS UIF DVTUPNFST PG#13 DPTUFGmDJFODZBOETUSFOHUIFOJOHCSBOEJNBHFPG #13BOECBOLbjbBTBXIPMF FTQFDJBMMZGPS#13 JODSFBTF UIFTBMFWBMVFPG#13   'VMmMMNFOU PG UIF SFRVJSFNFOU PO QBJEVQ DBQJUBM UP TUSFOHUIFO UIF $PNQBOZT DBQJUBM BOE SFBMJ[F B IFBMUIZ  TUSPOH  QSPEVDUJWF  BOE SFMJBCMF SVSBM CBOL JOEVTUSZ UP TVQQPSU UIF HSPXUI PG UIF SFHJPOBM FDPOPNZ  BOE DSFBUF DPOEVDJWFDPOEJUJPOUPCPPTUUIFQFSGPSNBODFPG#13

3HUXVDKDDQ $ÀOLDVL 37 $VXUDQVL %DQJXQ $VNULGD GDQ BPR) - Meningkatkan tambahan setoran modal kepada PT Asuransi Bangun Askrida  .FMBLVLBO NFSHFS BOUBSB #13 QFS ,BCVQBUFO EFOHBO kepemilikan saham bank bjb minimal 51% dan diutamakan VOUVL#13ZBOHTFIBUEBOCFSLJOFSKBCBJL - Merubah bentuk badan hukum dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT) setelah merger.

$IÀOLDWHG &RPSDQ\ 37 $VXUDQVL %DQJXQ $VNULGD DQG BPR) - Increase the paid-up capital for PT Asuransi Bangun Askrida  .FSHFCFUXFFOUIF#13JOUIFEJTUSJDUTXJUIBUMFBTU TIBSFTPXOFECZCBOLbjbBOEQSJPSJUJ[FEUPUIFIFBMUIZ #13XJUIHPPEQFSGPSNBODF  $IBOHF UIF MFHBM GPSN PG 3FHJPOBM $PNQBOZ 1%  JOUP -JNJUFE-JBCJMJUZ$PNQBOZ 15 BGUFSUIFNFSHFS

bank bjb Annual Report 2014 bank bjb Annual Report 2014

192

ASPEK PEMASARAN MARKETING ASPECT

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

193

6QBZB VOUVL NFOHJNQMFNFOUBTJLBO SFODBOB TUSBUFHJT CJTOJT jangka pendek maupun jangka panjang, bank bjb selalu NFNCFSJLBOQSPEVLEBOKBTBZBOHUFSCBJLTFSUBTFMBMVJSFTQPOTJG terhadap dinamika pasar. bank bjb selalu memberikan solusi ZBOH UFSCBJL VOUVL TFUJBQ LFCVUVIBO OBTBCBI  LIVTVTOZB QBEB QSPEVL LSFEJU 4BMBI TBUVOZB QSPEVL ,(#  TFCBHBJ TBMBITBUVQSPEVLZBOHEBQBUNFOPQBOHQFSUVNCVIBOLSFEJU bank bjb  ZBOH EJNBOB QSPEVL ,(# NFNJMJLJ QFSBOBO ZBOH TBOHBUQFOUJOH IBMJOJEJLBSFOBLBO • PositioningQSPEVL,(#ZBOHDVLVQLVBU t 5JOHLBUTVLVCVOHBZBOHLPNQFUJUJG t %JCFSMBLVLBOOZBQSPHSBNQSPNPTJZBOHUFQBUTBTBSBO • Pemberian atensi kepada para Debitur • Mengutamakan Personal dan Emotional Touch sebagai LFVOHHVMBOEBSJTJTJQFMBZBOBO

Efforts to implement the short and long term strategic business plans, bank bjb BMXBZT QSPWJEFT UIF CFTU QSPEVDUT BOE TFSWJDFTBOEBMXBZTSFTQPOTJWFUPNBSLFUEZOBNJDTCBOLbjb BMXBZTQSPWJEFTUIFCFTUTPMVUJPOGPSFWFSZDVTUPNFSTOFFET  QBSUJDVMBSMZJODSFEJUQSPEVDUT0OFPGUIFQSPEVDUTJTUIF,(#  as one of the products that can support the credit growth of bank bjb JOXIJDIUIF,(#QSPEVDUIBTBWFSZJNQPSUBOUSPMF  UIJTJTCFDBVTF • The strong positioning of the KGB product • A competitive interest rates • The implementation of on target promotional programs • Giving attention to the debtors • Prioritizing Personal and Emotional touch as an advantage in the terms of services.

Strategi Pemasaran

Marketing Strategy

)JOHHB UBIVO   TFHNFOUBTJ OBTBCBI CBOL bjb masih EJEPNJOBTJPMFIOBTBCBISJUFM)BMJUV EJBOUBSBOZBCJTBEJMJIBU EBSJ LPNQPTJTJ QFOHVDVSBO LSFEJU ZBOH  NBTJI EJEPNJOBTJ untuk bidang konsumsi, walaupun Perseroan tidak melupakan nasabah korporasi.

Until 2014, the bank customer segmentation bjb still EPNJOBUFECZSFUBJMDVTUPNFST*UXBT PGXIPNDBOCFTFFO from the composition of which is still dominated lending to the mFMEPGDPOTVNQUJPO BMUIPVHIUIF$PNQBOZIBTOPUGPSHPUUFO its corporate customers.

Untuk mendukung kegiatan bisnis 2014, Perseroan telah mengimplementasikan sejumlah strategi pemasaran. #FSEBTBSLBO QSPEVL  LFHJBUBO QFNBTBSBO ZBOH TVEBI EJKBMBOLBOEJBOUBSBOZB

5P TVQQPSU CVTJOFTT BDUJWJUJFT JO   UIF $PNQBOZ IBT implemented a number of marketing strategies. Based on the product, the marketing activities that have been JNQMFNFOUFEJODMVEF

A. Transaksi Trade Finance and Services 1. Untuk produk ini, Perseroan memilih strategi proBLUJG  ZBOH EJ BOUBSBOZB NFMBMVJ gathering dengan nasabah dan calon nasabah potensial. Para QFNBOHLV LFQFOUJOHBO ZBOH EJMJCBULBO  NJTBMOZB Badan Koordinasi Penanaman Modal (BKPM), Badan Koordinasi Penanaman Modal Daerah (BKPMD), serta BTPTJBTJ EBO PSHBOJTBTJ QFOHVTBIB ZBOH NFNJMJLJ orientasi transaksi ekspor-impor dan perdagangan dalam negeri. 2. Termasuk dalam rangkaian pemasaran, Divisi Internasional juga memberikan edukasi kepada para pemangku kepentingan. Antara lain dengan DBSB NFOKBEJ OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH melibatkan eksportir dan importir, bekerja sama dengan Dinas Peruindusrian dan Perdagangan Provinsi Jawa Barat, Departemen Perdagangan, NBVQVOLFHJBUBOMBJOOZB

A. Transaksi Trade Finance and Services  'PS UIJT QSPEVDU  UIF $PNQBOZ DIPTF B QSP BDUJWF TUSBUFHZ  XIJDI BNPOH PUIFST CZ HBUIFSJOH XJUI customers and potential customers. Stakeholders are involved, for example, the Investment Coordinating #PBSE #,1.

 3FHJPOBM *OWFTUNFOU $PPSEJOBUJOH #PBSE #,1.%

 BT XFMM BT FNQMPZFST BTTPDJBUJPOT and organizations which have an export - import transactions and domestic trade. 2. Included in the series of marketing, International Division also provide education to stakeholders. "NPOHUIFXBZ XJUIBHVFTUTQFBLFSBUWBSJPVTFWFOUT involving exporters and importers, in collaboration with the Department of Trade Peruindusrian and West Java Province, Department of Commerce, as well as other activities.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

194

ASPEK PEMASARAN

B. Transaksi Remitansi 1. Mengimplementasikan strategi pemasaran below the line NJTBMOZBTQPOTPSTIJQ)BSJ6MBOH5BIVO3*CFLFSKB TBNBEFOHBO,POTVMBU+FOEFSBM3FQVCMJL*OEPOFTJBEJ )POH,POH 2. Promosi produk remitansi melalui kerja sama dengan Agent Remittance di Singapura. 3. Bekerja sama dengan Kementerian Tenaga Kerja dan Transmigrasi Indonesia, Disnakertrans Jawa #BSBU  #/15,*  TFSUB #BOL %VOJB  VOUVL NFMBLVLBO edukasi mengenai produk-produk perbankan, terutama remitansi kepada tenaga kerja Indonesia EBO LFMVBSHBOZB EJ TFKVNMBI EBFSBI ZBOH NFOKBEJ CBTJT5,* TFQFSUJ%FOQBTBS $JSFCPO 3BOHLBTCJUVOH  #BOKBS 5BTJLNBMBZB $JCVCVS EBO4VLBCVNJ

B. Remittance transactions 1. Implement marketing strategies below the line , for FYBNQMF TQPOTPSTIJQ "OOJWFSTBSZ PG *OEPOFTJB JO DPPQFSBUJPOXJUIUIF$POTVMBUF(FOFSBMPGUIF3FQVCMJD PG*OEPOFTJBJO)POH,POH 2. Promotion of remittance products through cooperation XJUI3FNJUUBODF"HFOUJO4JOHBQPSF  *O DPMMBCPSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE Transmigration, Indonesia, West Java Manpower, #/15,*  BT XFMM BT UIF 8PSME #BOL  UP DPOEVDU FEVDBUJPOPOCBOLJOHQSPEVDUT NBJOMZSFNJUUBODFTUP Indonesian workers and their families in a number of areas which are the basis of TKI, such as Denpasar, $JSFCPO  3BOHLBTCJUVOH  #BOKBS  5BTJLNBMBZB  Cibubur, and Sukabumi.

C. Dana Pihak Ketiga 1. Promosi produk dana

C. Dana Pihak Ketiga  5IJSE1BSUZ'VOET

D. Brand bjb 1. Meningkatkan brand awareness bank bjb di tengah NBTZBSBLBU NFMBMVJLFHJBUBOQSPNPTJ

D. Brand bjb  *ODSFBTFCSBOEBXBSFOFTTJOUIFDPNNVOJUZCKCCBOL  through promotional activities.

E. Produk Treasury 1. Kunjungan langsung tenaga penjual ke nasabah dan calon nasabah potensial untuk sosialisasi mengenai transaksi valuta asing dan instrumen lindung nilai (hedging Instruments) kepada nasabah dan kantor cabang terkait.

E. Treasury products  7JTJUUIFTBMFTQFSTPOEJSFDUMZUPDVTUPNFSTBOEQPUFOUJBM customers for the socialization of foreign exchange transactions and hedging instruments (hedging Instruments) to customers and related branches.

F. bjb Precious 1. Melakukan customer gathering untuk lebih NFOJOHLBULBOIVCVOHBOZBOHCBJLEFOHBOOBTBCBI  CBJLOBTBCBIZBOHTVEBIBEBNBVQVODBMPOOBTBCBI potensial.  .FOZFMFOHHBSBLBO QPMB Member Get Member nasabah bjb Precious.

F. bjb Precious 1. Perform customer gathering to further enhance good relationships with customers, both existing customers and potential customers.  )PMEJOH QBUUFSO .FNCFS (FU .FNCFS 1SFDJPVT bjb customers .

Biaya Pemasaran

Marketing Cost

Sepanjang tahun 2014, Perseroan telah merealisasikan BOHHBSBOQFNBTBSBOTFCFTBS3Q NJMJBS%JCBOEJOHLBO UBIVOTFCFMVNOZB CJBZBZBOHEJLFMVBSLBOUFSTFCVUNFOHBMBNJ QFOVSVOBO TFCFTBS  4FEBOHLBO CJBZB PQFSBTJPOBM pemasaran mengalami penurunan 50% dibandingkan tahun 2013.

5ISPVHIPVU   UIF $PNQBOZ IBT SFBMJ[FE UIF QSPNPUJPO DPTUT PG 3Q  CJMMJPO $PNQBSFE UP UIF QSFWJPVT ZFBS  DPTUT EFDSFBTFE CZ  8IJMF UIF PQFSBUJPOBM NBSLFUJOH costs decreased 50% compared in 2013.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

195 MARKETING ASPECT

#FSJLVUJOJCJBZBQFNBTBSBOZBOHUFMBIEJLFMVBSLBOEBMBNEVB UBIVOCVLVUFSBLIJS

The following marketing costs that have been incurred in the MBTUUXPmTDBMZFBST

3Q.JMJBS

Rincian #JBZB1SPNPTJ #JBZB0QFSBTJPOBM1FNBTBSBO

3Q#JMMJPO

2013

2014

Details

177,10

103,21

Promotion Cost

22,4

11,1

Operating Marketing Costs

5FSMFQBT EBSJ QSPEVLQSPEVL LSFEJU ZBOH EJCFSJLBO  TFKBMBO dengan hal tersebut perusahaan juga menetapkan strategi VOUVL NFMBLVLBO QFOVSVOBO UJOHLBU /1-  LIVTVTOZB QBEB ,SFEJU .JLSP EFOHBO EVB MBOHLBI TUSBUFHJ ZBOH EJUFUBQLBO  ZBJUV 1. Penyelamatan dan Penyelesaian terhadap Kredit Existing Pada awal tahun 2014 Divisi Mikro berencana akan melaksanakan secara serempak Program Sosialisasi 3FTUSVLUVSJTBTJ ,SFEJU  TFCBHBJ VQBZB QFOVSVOBO /PO Performing Loan /1- ,SFEJULFMPMBBO%JWJTJ.JLSP EJTJTJ MBJO GBLUPSGBLUPS FLTUFSOBM ZBOH EBQBU NFNQFOHBSVIJ petumbuhan portofolio kredit kelolaan Divisi Mikro dapat direduksi dengan beberapa strategis, seperti EJMBLVLBOOZB LFSKB TBNB EFOHBO JOTUBOTJ QFNFSJOUBIBO  baik pemerintah pusat, provinsi maupun kabupaten/ kota untuk memasarkan produk-produk Divisi Mikro bagi para pelaku UMKM di daerah, dan pemetaan potensi QFNCJBZBBO VOUVL NBTJOHNBTJOH KBSJOHBO LBOUPS CBOL bjb.

In additon to the credit products provided, in line with such, UIFDPNQBOZBMTPTFUTTUSBUFHJFTUPEFDSFBTFUIF/1-MFWFM  TQFDJmDBMMZ PO .JDSPDSFEJU XJUI B UXPTUFQ TFU TUSBUFHZ  OBNFMZ



*O FBSMZ   UIF .JDSP %JWJTJPO QMBOT UP JNQMFNFOU UIF %FCU3FTUSVDUVSJOH4PDJBMJ[BUJPO1SPHSBNTJNVMUBOFPVTMZ  BT BO FGGPSU UP SFEVDF UIF /PO 1FSGPSNJOH -PBO /1-  under the management of the Micro Division, on the other hand external factors that could affect the loan portfolio under the management of the Micro Division’s growth can be reduced through several strategies, such as the implementation of the cooperations with government agencies, both central government, provincial and SFHFODZDJUZUPNBSLFUQSPEVDUTPGUIF.JDSP%JWJTJPOUP SMEs in the region, and mapping of potential funding for each bank bjbPGmDFOFUXPSL





*OBEEJUJPOUP/1-SFEVDUJPOFGGPSUT UIF.JDSP%JWJTJPOBMTP IBTBTUSBUFHZUPFYQBOEJUTRVBMJUZDSFEJUTJO OBNFMZ CZ JOWFOUPSZJOH UIF FYJTUJOH CPSSPXFST UP QFSGPSN B UPQ VQ  VOEPVCUFEMZ  UIJT TUSBUFHZ JT JOUFOEFE GPS CPSSPXFST XIPIBWFBIFBMUIZDSFEJUIJTUPSZ%FCUPSTDBOCFMBCFMFE IFBMUIZJGUIFZIBWFUIFGPMMPXJOHDSJUFSJB t )BWFVOEFSHPOFIBMGPGUIFDSFEJUQFSJPE t $VSSFOU$PMMFDUJCJMJUZ • Meet the technical requirements of the bank to perform the credit Top Up.

4FMBJO VQBZB QFOVSVOBO /1-  %JWJTJ .JLSP KVHB NFNJMJLJ TUSBUFHJVOUVLNFMBLVLBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT EJUBIVO ZBLOJEFOHBONFMBLVLBOJOWFOUBSJTJSQBSB debitur existing VOUVL EJMBLVLBOOZB top up   UFOUVOZB TUSBUFHJJOJEJUVKVLBOLFQBEBEFCJUVSZBOHNFNJMJLJSJXBZBU LSFEJU ZBOH TFIBU %FCJUVS EBQBU EJLBUBLBO TFIBU KJLB NFNJMJLJCFCFSBQBLSJUFSJBTFCBHBJCFSJLVU • Telah menjalani setengah jangka waktu kredit • Kolektibilitas Lancar t .FNFOVIJ QFSTZBSBUBO UFLOJT CBOL VOUVL EJMBLVLBO Top Up kredit.

2. Kebijakan Open Selling Kredit Mikro Utama (KMU)  "EBOZB QFOVSVOBO QPTJTJ ,SFEJU .JLSP 6UBNB (KMU) sejak bulan Juli 2013 sampai dengan %FTFNCFS  EBSJ QPTJTJ 3Q NJMJBS NFOKBEJ TFCFTBS 3Q NJMJBS UVSVO   BUBV TFCFTBS 3Q NJMJBS

 TFIJOHHB QFOVSVOBO QPTJTJ LSFEJU dimungkinkan berlanjut di tahun 2014.

1. Rescue and Settlement of Existing Credit

2. Main Micro Credit (KMU) Open Selling Policy A decrease in the Main Micro Credit (KMU) position since +VMZUP%FDFNCFSGSPNUIFQPTJUJPOPG3Q  CJMMJPO UP 3Q  CJMMJPO B EFDSFBTF PG  PS JO UIF BNPVOU PG 3Q CJMMJPO

 NBLJOH QPTTJCMF EFDMJOF UP continue in 2014.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

196

ASPEK PEMASARAN



1FOZFCBCUVSVOOZBQPTJTJ,.6EJLBSFOBLBO t "EBOZBTUBUVTiStop Selling” terhadap jaringan kantor ZBOH /1-   ZBJUV TFCBOZBL  KBSJOHBO LBOUPS BUBV EBSJUPUBMKBSJOHBOLBOUPS3FOEBIOZB FLTQBOTJ ,.6 KBSJOHBO LBOUPS ZBOH UFSLFOB TUBUVT stop sellingEJLBSFOBLBOLBOUPSUFSTFCVUIBOZBEBQBU melakukan ekspansi dari debitur existing berupa penawaran top up. • Run off dari pencairan KMU, dimana per Januari TBNQBJ EFOHBO /PWFNCFS   UFSEBQBU run off TFCFTBS3QNJMJBSBUBVSBUBSBUB QFSCVMBO



5IFSFBTPOPGUIFEFDMJOFPGUIF,.6QPTJUJPOJTEVFUP t "i4UPQ4FMMJOHwTUBUVTUPPGmDFOFUXPSLTXJUIBO/1- PGJOUIFBNPVOUPGPGmDFOFUXPSLTPS PGUIFUPUBMPGmDFOFUXPSLT5IFMPXFYQBOTJPOPG UIF,.6PGmDFOFUXPSLTJNQPTFECZUIFTUPQTFMMJOH TUBUVTJTCFDBVTFUIFPGmDFDBOPOMZFYQBOEGSPNUIF existing borrowers in the form of top up offerings. t 3VO PGG GSPN ,.6 EJTCVSTFNFOUT  JO XIJDI BT PG +BOVBSZUP/PWFNCFS UIFSFXFSFSVOPGGUPUBMMJOH BO BNPVOU PG 3Q CJMMJPO PS  QFS NPOUI PO average.

Adapun rencana mekanisme Open Selling di tahun 2014 adalah dengan memberlakukan sistem Cut Off CFSEBTBSLBO QPTJTJ %FTFNCFS  1PTJTJ /1- QFS  Desember 2013 tidak diperhitungkan sebagai kriteria “Stop Selling”, sehingga di tahun 2014, seluruh KC/KCP diberlakukan status “Open Selling” dan dapat melakukan ekspansi (kondisi normal).

The Open Selling mechanism plan in 2014 is to put the Cut 0GGTZTUFNJOUPFGGFDUCBTFEPOUIFQPTJUJPOJO%FDFNCFS 5IF/1-QPTJUJPOBTPG%FDFNCFS XBTOPU included in the “Stop Selling” criteria, thus in 2014, the “Open Selling” status was applied at all KC/KCP and able to perform expansions (normal condition).

3. Metode Monitoring Kualitas Kredit Mikro a) Perubahan struktur Organisasi dari model bisnis unit menjadi branch model • Penambahan fungsi Credit Review, bisnis legal dan putusan kredit berdasarkan komite, sehingga diharapkan proses kredit akan lebih prudent. • Penerapan sistem "DDPVOU0GmDFS C  .FXBKJCLBO EFCJUVS ZBOH UFMBI EJSFBMJTBTJLBO VOUVL mengikuti customer gathering EJ CVMBO CFSJLVUOZB  EFOHBOUVKVBOTFCBHBJCFSJLVU • Mempererat hubungan antara bank bjb dengan EFCJUVSTFIJOHHBEBQBUNFOEPSPOHUJNCVMOZBSBTB MPZBMJUBTUJOHHJ • Sebagai media pembinaan kepada debitur untuk memberikan pemahaman cara penggunaan kredit dengan maksimal. • Dapat digunakan sebagai media promosi dan pemasaran (cross selling) Kredit kelolaan divisi .JLSPMBJOOZB

3. Quality Monitoring Method of Microcredit a) Changes in the structure of the organization ‘s business NPEFMVOJUTUPCSBODINPEFMT t "EEJUJPOBMGVODUJPOTPGUIF$SFEJU3FWJFX MFHBMBOE business credit decision based on the committee, which is expected to be more prudent credit process. t 5IFJNQMFNFOUBUJPOPG"DDPVOUT0GmDFS C  3FRVJSFUIFEFCUPSUIBUIBTCFFOSFBMJ[FEGPSHBUIFSJOH customer follow in the next month, with the following PCKFDUJWFT • Strengthen relationships between bank bjb with the debtor so as to encourage the emergence of a IJHITFOTFPGMPZBMUZ • As the media guidance to the debtor to provide insight on how to use the maximum credit. • Can be used as a medium of promotion and marketing (cross selling) Micro Credit other divisions.

c) Pengembangan Loan Origination System (LOS) Pengembangan Loan Origination System merupakan QSPHSBN LFSKB UBIVO  ZBOH EJMBOKVULBO QBEB 3FODBOB #JTOJT #BOL  .BOGBBU EBSJ Loan Origination SystemBOUBSBMBJO

D  5IF EFWFMPQNFOU PG UIF -PBO 0SJHJOBUJPO 4ZTUFN (LOS)  5IFEFWFMPQNFOUPGUIF-PBO0SJHJOBUJPO4ZTUFNJTB work program in 2013 which is resumed in the 2014 #VTJOFTT 1MBO PG UIF #BOL 5IF CFOFmUT PG UIF -PBO0SJHJOBUJPO4ZTUFNBSF BNPOHPUIFST

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

197 MARKETING ASPECT

t .FOJOHLBULBO FmTJFOTJ EBO service level melalui otomasi • Tracking aplikasi dari mulai awal hingga persetujuan t .FOHVSBOHJ QFNBTVLBO EBUB ZBOH CFSVMBOH ulang • Meningkatkan fungsi kontrol dan monitoring aplikasi • Memastikan bahwa semua aplikasi di setiap CBHJBOEJQSPTFTEBMBNKBOHLBXBLUVZBOHTVEBI ditentukan (service level) • Meningkatkan produktivitas para staf dan LFNBNQVBOLBQBTJUBTQSPTFTOZB

t 5PJNQSPWFFGmDJFODZBOEMFWFMPGTFSWJDFTUISPVHI automations • To track application from the beginning to approval • To reduce repeated data entries • To improve the control and monitoring application function t 5PFOTVSFUIBUBMMBQQMJDBUJPOTJOFWFSZTFDUJPOTBSF processed in the set amount of time (service level) t 5P JNQSPWF UIF QSPEVDUJWJUZ PG UIF TUBGG BOE UIFJS QSPDFTTJOHDBQBDJUZBCJMJUJFT

d) Monitoring On Call (MOC) Melakukan monitoring terkait First Payment Default (FPD), dari hasil monitoring akan diperoleh informasi QFOZFCBCUFSKBEJOZB'1% ZBJUV • Dana untuk angsuran terpakai untuk kebutuhan lain • Debitur masih mengumpulkan dana untuk BOHTVSBO  EJLBSFOBLBO BEBOZB LFUFSMBNCBUBO QFNCBZBSBOQJVUBOHEBSJLPOTVNFO • Kesalahpahaman debitur mengenai tabungan CFLVZBOHEJBOHHBQTFCBHBJBOHTVSBOQFSUBNB • Force Majeur DVBDB CVSVL  ZBOH NFOZFCBCLBO beberapa usaha pertanian debitur mengalami gagal panen t ,VSBOHOZBNPOJUPSJOHEBSJQFUVHBT,$,$1 • Ketidaksesusaian penggunaan fasilitas kredit VOUVLIBMIBMEJMVBSQFNCJBZBBOLSFEJU

d) Monitoring On Call (MOC)  $POEVDU NPOJUPSJOH SFMBUFE UP 'JSTU 1BZNFOU %FGBVMU (FDP), the results of the monitoring will generate the JOGPSNBUJPOPOUIFDBVTFPG'1% OBNFMZ • Installment funds was used for other needs • Debtor is still collecting funds for the installment, EVFUPUIFEFMBZJOUIFBDDPVOUSFDFJWBCMFTPGUIFJS customers • Misconception of the debtors who regards their TBWJOHTBTUIFmSTUJOTUBMMNFOU • Force Majeur (bad weather) causing crop failures of the debtors’ agricultural business t -BDLPGNPOJUPSJOHCZUIF,$,$1PGmDFST t *ODPNQBUJCJMJUZ PG DSFEJU GBDJMJUJFT VUJMJ[BUJPOT GPS JUFNTPVUTJEFPGUIFDSFEJUmOBODJOH

%BSJ TJTJ LSFEJU ,13 CBOL bjb tetap mengedepankan LVBMJUBTLSFEJU,13EJBOUBSBOZBNFMBMVJ • Diberlakukan penalty apabila dilakukan pelunasan kredit pada masa Fixed Rate + 1 (Satu) Tahun, ZBJUVTFCFTBSEBSJQFNCBZBSBOQFMVOBTBO pokok. t "EBOZBQSPEVLTop Up kredit untuk debitur existing ZBOHCVOHBMFCJISFOEBIEBSJTVLVCVOHBnPBUJOH. • Akan diadakan “Program Retention” apabila take over nasabah.

In terms of mortgage loans bank bjb continues to promote UIFRVBMJUZPGUIFNPSUHBHFMPBOT BNPOHPUIFSTUIPSVHI t 5IF JNQPTJUJPO PG QFOBMUZ JO UIF FWFOU PG DSFEJU BDRVJUUBMJOUIF'JYFE3BUF  0OF :FBSQFSJPE  XIJDIJTJOUIFBNPVOUPGPGUIFQBZNFOU settlement of the principal. • The presence of the Top Up product for existing CPSSPXFSTXJUIMPXFSUIBOUIFnPBUJOHJOUFSFTUSBUFT t i1SPHSBN3FUFOUJPOwQSPHSBNXJMMCFDBSSJFEPVUJO the event customer take over occur.



bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

198

ASPEK PEMASARAN

Penghimpunan Dana Pihak Ketiga

Third Party Funding

1. Dalam melakukan strategi untuk perluasan bisnis bank bjb mengembangkan program-program hadiah langsung, seperti tabungan bjb tandamata berjangka periode II bulan Juli sampai dengan Desember 2013, tabungan bjb Berhadiah Sesukamu untuk periode Mei sampai dengan Desember 2013. 2. Melakukan kerja sama dengan Kemendikbud, Dinas Pendidikan Jawa Barat dan Provinsi Banten dalam QFOZBMVSBO%BOB#BOUVBO4JTXB.JTLJO #4.

1FOZBMVSBO %BOB 5VOKBOHBO 4FSUJmLBTJ (VSV EBO QFOZBMVSBO EBOB #BOUVBO0QFSBTJPOBM4FLPMBI #04  • Dana Bantuan Siswa Miskin (BSM) Tahun Anggaran 2013 hingga bulan September total dana sebesar 3QNJMJBS t %BOB 5VOKBOHBO 4FSUJmLBTJ (VSV TFMBNB 5BIVO  IJOHHB CVMBO 4FQUFNCFS UPUBM EBOB TFCFTBS 3Q  triliun. • Dana Bantuan Operasional Sekolah (BOS) selama tahun 2013 hingga bulan September total dana TFCFTBS 3Q  USJMJVO VOUVL XJMBZBI +BXB #BSBU EBO Banten. t TFCFTBS3Q USJMJVOEBSJUPUBM5BIVO"OHHBSBO ZBOHBLBOEJTBMVSLBONFMBMVJCBOLbjbTFCFTBS3Q  triliun.  1FOEFLBUBO LFQBEB CFCFSBQB LPNVOJUBT ZBOH NFNJMJLJ QPUFOTJQBOHTBQBTBSQBMJOHCBOZBL TFQFSUJEJMBLVLBOOZB kerja sama co-branding dengan Komunitas otomotif. Pengembangan produk Dana Konsumer meliputi pengembangan produk Tabungan Anak, Review produk Dana Konsumer meliputi review Kebijakan Umum dan SOP, pengembangan sistem Deposito, pengembangan sistem Tabungan bjb Tandamata Berjangka dan pengembangan sistem autotransfer bjb Tandamata Bisnis. 4. bank bjb memberikan kemudahan bagi setiap Kantor $BCBOH EBO ,BOUPS 8JMBZBI VOUVL EBQBU NFMBLVLBO pemutusan special rate Deposito, hal tersebut dilakukan VOUVLNFOHPQUJNBMLBOQFMBZBOBOLFQBEBOBTBCBI  %BMBN SBOHLB MFCJI NFOHPQUJNBMLBO QFMBZBOBO LFQBEB nasabah, maka Divisi Dana & Jasa Konsumer memberikan kewenangan kepada Pemimpin Cabang dan Pemimpin 8JMBZBIEBMBNIBMQFNVUVTBOspecial rate Deposito.  .FOJOHLBULBO LFSKB TBNB EFOHBO QJIBL Pemerintah Daerah baik Provinsi, Kota maupun ,BCVQBUFO EBMBN IBM QFOFSJNBBO QFNCBZBSBO 1##1 EBO 1BKBL %BFSBI MBJOOZB TFDBSB online (bjb e-Tax).

 *O DPOEVDUJOH CVTJOFTT FYQBOTJPO TUSBUFHZ CBOL bjb develops direct reward programs, such as bjb time TBWJOHT UBOEBNBUB ** GPS UIF QFSJPE PG +VMZ UP %FDFNCFS 2013, the bjb savings bjb Berhadiah Sesukamu for the QFSJPEPG.BZUP%FDFNCFS 2. Cooperating with Kemendikbud, Education Department of West Java and Banten provinces in the distribution of Poor 4UVEFOUT"JE'VOE #4.

5FBDIFS$FSUJmDBUJPO"MMPXBODF Disbursement and distribution of School Operational "TTJTUBODF'VOET #04  • Poor Students Aid Fund (BSM) for the 2013 Fiscal Year VQUP4FQUFNCFSXJUIBUPUBMPG3QCJMMJPO t 5FBDIFS$FSUJmDBUJPO"MMPXBODF%JTCVSTFNFOUJO VQUP4FQUFNCFSXJUIBUPUBMGVOEPG3QUSJMMJPO • School Operational Assistance Fund (BOS) during VQUP4FQUFNCFSXJUIBUPUBMPG3QUSJMMJPOGPS the region of West Java and Banten. t "UPUBMPGPG3QUSJMMJPOPGUIFUPUBMPGUIF'JTDBM Year, which will be channeled through banks bjb in the BNPVOUPG3QUSJMMJPO 3. Approaches to several communities that have the most potential market share, such as the co-branding QBSUOFSTIJQXJUIBVUPNPUJWF$PNNVOJUZ5IF%FWFMPQNFOU of Consumer fund products includes the development of $IJMESFO 4BWJOHT  3FWJFX PG $POTVNFS 'VOE QSPEVDUT JODMVEFT UIF SFWJFX PO UIF (FOFSBM 1PMJDZ BOE UIF 401  UIFEFWFMPQNFOUPGB%FQPTJUTZTUFN UIFEFWFMPQNFOUPG bjb Savings Tandamata Berjangka and the development of the bjbBVUPUSBOTGFSTZTUFN5BOEBNBUB#JTOJT  5IFDPNQBOZGBDJMJUBUFTFBDI#SBODI0GmDFBOE3FHJPOBM 0GmDFUPEFDJEFPO%FQPTJUTQFDJBMSBUFT UIJTJTQFSGPSNFE to optimize the services to the customers. 5. In order to better optimize the services to the customers, the Consumer Funding & Services Division grants BVUIPSJ[BUJPOT UIF #SBODI .BOBHFST BOE 3FHJPOBM Managers in deciding special rate of Deposits.  *ODSFBTJOH DPPQFSBUJPO XJUI UIF -PDBM (PWFSONFOU  CPUI 1SPWJODJBM  $JUZ BOE 3FHFODZ JO UFSNT PG UIF SFDFJWJOH PG 1##1 BOE PUIFS 3FHJPOBM 5BY POMJOF bjb e-Tax) QBZNFOUT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

199 MARKETING ASPECT

 .FMBLVLBO QFOZFNQVSOBBO carrier path spesialisasi kepada tim marketing Institusional, sehingga dapat mengembangkan karir secara internal. 8. Membentuk *OTUJUVUJPOBM .BSLFUJOH 0GmDFS (IMO) pada Kantor Cabang pengelola dana corporate ZBOHCFSUVHBT melakukan maintenance & service kepada nasabah serta mengimplementasikan Marketing Club Program.  .FOJOHLBULBO LFSKB TBNB EFOHBO 1FNFSJOUBI 1VTBU  dalam hal ini dengan Kementrian Tenaga Kerja dan Transmigrasi serta Kementrian Koperasi untuk kerja sama LSFEJULBSZBXBO

7. Perform improvements on specialized career path to the Institutional marketing team, enabling the development of internal career.  'PSNJOH UIF *OTUJUVUJPOBM .BSLFUJOH 0GmDFS *.0  JO UIF DPSQPSBUF GVOE NBOBHFNFOU #SBODI 0GmDF  XIJDI IBT UIF EVUZ PG DPOEVDUJOH NBJOUFOBODF BOE TFSWJDFT UP customers as well as implementing the Marketing Club Program.  *ODSFBTJOH DPPQFSBUJPO XJUI UIF $FOUSBM (PWFSONFOU  JO UIJTDBTFUIF.JOJTUSZPG.BOQPXFSBOE5SBOTNJHSBUJPOBT XFMMBTUIF.JOJTUSZPG$PPQFSBUJWFTGPSFNQMPZFFTDSFEJU cooperation.

Strategi Penggunaan Dana

Funding Utilization Strategy

%BSJ BTQFL CJTOJT LPNFSTJBM  TUSBUFHJ ZBOH EJHVOBLBO VOUVL NFODBQBJUBSHFUBEBMBITFCBHBJCFSJLVU

From the commercial business aspect, strategies used to BDIJFWFUIFUBSHFUJTBTGPMMPXT

•

Kredit Konsumer – Melakukan review Kebijakan Kredit Konsumer. – Optimalisasi Pemasaran kepada dinas/instansi secara proaktif dan berkesinambungan. – Optimalisasi Pemasaran kepada Pensiunan dan Calon Pensiunan terkait produk KGB bjb Kredit Pra Purna Bhakti dan bjb Kredit Purna Bhakti. o "MJBOTJ TUSBUFHJ ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ lembaga pengelola dana pensiunan.

•

Consumer Credit o $POEVDUJOHSFWJFXTPOUIF$POTVNFS$SFEJU1PMJDZ o 0QUJNJ[JOH .BSLFUJOH UP EFQBSUNFOUT BHFODZ QSPBDUJWFMZBOEDPOUJOVPVTMZ o 0QUJNJ[JOH .BSLFUJOH UP UIF 3FUJSFF BOE 3FUJSFF Candidates in relations to the KGB products of bjb Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti. – More intensive strategic alliances with retirement fund management institutions.

•

Kredit Mikro Strategi dalam meningkatkan portofolio Mikro adalah TFCBHBJCFSJLVU – Melaksanakan percepatan dan optimalisasi SDM. o .FMBLVLBO SFWJTJ UFSIBEBQ LFUFOUVBOLFUFOUVBO ZBOH ada di Divisi Mikro. – Melakukan benchmarking LFQBEB #BOL QFOZBMVS UMKM. – Perbaikan implementasi Tiering Webscoring Kredit Mikro. – Melaksanakan optimalisasi Waroeng bjb tipe C melalui komunikasi dan koordinasi dengan Pemimpin Cabang dan Pemimpin KCP serta vendor Direct Sales Agency dalam rangka pemenuhan SDM Marketing dan Customer Service Waroeng C. – Membentuk klusterisasi untuk setiap Waroeng bjb ZBOHCFSEBTBSLBOLFQBEBQPUFOTJEBFSBI – Melakukan pendampingan kepada Kantor Cabang untuk pemasaran produk-produk kelolaan Divisi Mikro.

• 

Micro Credit 4USBUFHJFTUPJNQSPWFUIF.JDSPQPSUGPMJPJTBTGPMMPXT o *NQMFNFOUJOH)3BDDFMFSBUJPOBOEPQUJNJ[BUJPO – Conducting reviews on the existing policies in the Micro Division. – Conduct benchmarking to SME distributor Bank. – Micro Credit Tiering Webscoring implementation improvements. – Optimization of Waroeng bjb UZQF $ UISPVHI communications and coordinations with the Branch Managers and KCP Leaders as well as Direct Sales "HFODZWFOEPSTJOPSEFSUPGVMmMMUIF)3PG8BSPFOH$ Marketing and Customer Service. – Form Clusterings for each Waroeng bjb which is based on the potentials of the region. o $POEVDUNFOUPSJOHUP#SBODI0GmDFTGPSUIFNBSLFUJOH of products under the management of the Micro Division.

bank bjb Annual Report 2014

200

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

ASPEK PEMASARAN

Rencana Strategi Pemasaran 2015

Marketing Strategy Plan 2015

6OUVL UBIVO EFQBO  TUSBUFHJ QFNBTBSBO ZBOH EJSFODBOBLBO agar dapat mendukung kegiatan bisnis Perseroan, di BOUBSBOZB

6OUVL UBIVO EFQBO  TUSBUFHJ QFNBTBSBO ZBOH EJSFODBOBLBO agar dapat mendukung kegiatan bisnis Perseroan, di BOUBSBOZB

A. Produk bjb Precious 1. Melakukan Customer Gathering untuk produk-produk Wealth Management.  .FOZJBQLBOQSPHSBNQSPNPTJFLTLMVTJGCBHJOBTBCBI ZBOHTVEBIBEBNBVQVOOBTBCBIQPUFOTJBMCBOLbjb.

A. Products bjb Precious 1. Customer Gathering for Wealth Management products. 2. Setting up an exclusive promotion program for existing customers or potential customers of banks bjb.

B. Mikro Pesat  4FUFMBI NFOZFMFTBJLBO LFSKB TBNB EFOHBO Vendor Direct Sales Agency 1FSTFSPBONFOZJBQLBOTFKVNMBI QFSCBJLBOBHBSMFCJIFmTJFOEBOFGFLUJGVOUVLNFODBQBJ tujuan.

B. Micro Rapidly 1. Upon completion of cooperation with the Vendor Direct 4BMFT "HFODZ  UIF $PNQBOZ QSFQBSFE B OVNCFS PG JNQSPWFNFOUTUPNBLFJUNPSFFGmDJFOUBOEFGGFDUJWFUP achieve the goal.

C. Kredit Konsumer  1SPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG EBO berkesinambungan, seperti pembuatan marketing tools untuk Kredit Konsumer serta pemasaran melalui media publikasi.  .FOZJBQLBO QSPHSBN reward (Member Get Member) ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb Kredit Guna Bhakti (KGB) dan bjb,SFEJU1SB1VSOBZBOHCFSIBTJM NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV dan debitur mengulang bank bjb. 3. Pemberian voucher kepada debitur baru dan debitur ZBOHNFMBLVLBOtop upEFNJNFOJOHLBULBOMPZBMJUBT 4. Melakukan gathering dengan debitur sebagai bentuk promosi below the line, disesuaikan dengan kultur daerah dan minat para debitur.  1SPHSBN)BEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV bank bjb.

C. Consumer Credit 1. Promotional marketing more effective and sustainable, such as the creation of marketing tools for Consumer Credit and marketing through the medium of publication. 2. Setting up a reward program (Member Get Member) QSPWJEFE TQFDJmDBMMZ GPS UIF EFCUPS bjb Credit Guna Bhakti (KGB) and Credit Pre Full bjb who managed to bring friends or colleagues become the new debtor and the debtor’s bank bjb repeat. 3. The provision of vouchers to new debtor and the EFCUPSUPQVQJOPSEFSUPJODSFBTFMPZBMUZ  (BUIFSJOHCZUIFEFCUPSBTBGPSNPGQSPNPUJPOCFMPX the line, adapted to local culture and interests of the debtor.  %JSFDU3FXBSET1SPHSBNGPSCPSSPXFSTXIPNBOBHFE to bring a friend or colleague into a new debtor bank bjb.

D. Produk Treasury 1. Melakukan kunjungan (sales visit) kepada nasabah ZBOH TVEBI BEB EBO OBTBCBI QPUFOTJBM VOUVL melakukan edukasi produk, seperti transaksi valuta asing dan hedging instruments kepada nasabah dan kantor cabang terkait. 2. Memasarkan produk ritel lain seperti obligasi negara ritel akan dilakukan dengan memperhatikan potensi EBOLPOEJTJQBTBSZBOHBEB

D. Treasury Products 1. Make a visit (sales visit) to existing customers and potential customers to conduct educational products, such as foreign exchange trading and hedging instruments to customers and related branches.  .BSLFU SFUBJM QSPEVDUT TVDI BT SFUBJM 5SFBTVSZ CPOET will be done with regard to the potential and existing market conditions.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

201 MARKETING ASPECT

E. Produk Mikro 1. Melaksanaan Gathering/Bantuan Pemasaran. 2. Pembuatan Media Komunikasi. 3. Sosialisasi restrukturisasi kredit. 4. Meningkatkan kerja sama dengan Pemerintah Pusat/ Kementerian teknis, Pemerintah Provinsi Jawa Barat NBVQVO-FNCBHBMBJOOZB 5. Melakukan gathering#13existing untuk setiap kanwil.

E. Micro Products  $BSSZPVU(BUIFSJOH.BSLFUJOH"TTJTUBODF 2. Preparation of Media Communication. 3. Socialization debt restructuring. 4. Enhance cooperation with the Central Government / .JOJTUSZ UFDIOJDBM  8FTU +BWB 1SPWJODJBM (PWFSONFOU and Institutions.  3#FYJTUJOHHBUIFSJOHGPSBOZPGmDFT

F. Kredit Pemilikan Rumah dan Mortgage 1. Melakukan kegiatan pemasaran melalui media secara berkesinambungan. 2. Melakukan gathering dengan pengembang, dinas/ JOTUBOTJ  EBO BTPTJBTJ QSPQFSUJ TFQFSUJ 3FBM &TUBU Indonesia.

F. Housing Loan and Mortgage 1. Perform media marketing activities on an ongoing basis. 2. Gathering with developers, services/agencies, and BTTPDJBUJPOT TVDI BT UIF 3FBM &TUBUF *OEPOFTJB QSPQFSUZ

G. Produk Internasional 1. Melakukan penetrasi pemasaran ke perusahaan CFSTUBUVT #BEBO 6TBIB .JMJL /FHBSB BUBV #BEBO Usaha Milik Daerah serta swasta melalui direct selling, gathering, serta pameran. 2. Melakukan advisory dan sosialisasi kepada nasabah QFNCJBZBBOUSBOTBLTJQFSEBHBOHBO USBEFmOBODF). 3. Untuk mendorong bisnis remitansi, akan dilakukan QSPNPTJ CBHJ MBZBOBO EBO QSPEVL bjb remittance TFDBSB LFTFMVSVIBO ZBOH NFMJQVUJ bjb Quickcash, Western Union dan Transfer Valas. 4. Memperluas jaringan pemasaran melalui kerja sama dengan instansi pemerintah maupun lembaga swasta ZBOHUFSLBJUEFOHBOLFUFOBHBLFSKBBO 5. Penambahan sub-agen di dalam negeri untuk LFQBOKBOHBOUBOHBOMBZBOBObjb remittance.

G. International Products  1FOFUSBUJPONBSLFUJOHDPNQBOZUPUIFTUBUVTPG4UBUF Owned or regional-owned enterprises and the private sector through direct selling, gathering, as well as exhibitions.  1FSGPSN BEWJTPSZ BOE TPDJBMJ[BUJPO UP DVTUPNFS mOBODJOHUSBEFUSBOTBDUJPOT USBEFmOBODF  3. To encourage the remittance business, will be the promotion of services and products overall bjb remittance covering bjb Quickcash, Western Union BOE'PSFJHO$VSSFODZ5SBOTGFST 4. Expand the network of marketing in collaboration with government agencies and private institutions related UPFNQMPZNFOU  5IFBEEJUJPOPGTVCBHFOUTJOUIFDPVOUSZUPBSNbjb remittance services.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

202

TINJAUAN KEUANGAN FINANCIAL REVIEW

“Tahun 2014 merupakan tahun yang penuh tantangan bagi perbankan termasuk bank bjb mengingat adanya ketidakpastian kondisi perekonomian global yang juga berdampak pada perekonomian Indonesia.” “2014 was a challenging year for the banking business, including for bank bjb, given the uncertainty in global economic conditions which also have an impact on the Indonesian economy.”

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

TINJAUAN INDUSTRI

203 INDUSTRY REVIEW

PEREKONOMIAN INDONESIA TAHUN 2014

INDONESIAN ECONOMY IN 2014

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 KVHB NFOHVNVNLBO LFOBJLBOTVLVCVOHBBDVBO #*rate TFCFTBSCQTNFOKBEJ  4VLVCVOHBlending facilityKVHBNFOHBMBNJLFOBJLBO TFCFTBS  CQT NFOKBEJ    TFNFOUBSB TVLV CVOHB deposit facilityUFUBQQBEBMFWFM CFSMBLVFGFLUJGTFKBL /PWFNCFS

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5ISPVHIPVU   UIF 3VQJBI IBT B GBJSMZ TUFBEZ NPWFNFOU JOXIJDIUIFSVQJBIDMPTFEBU3Q QFS64%PMMBSmHVSF  BGUFS UIF FOE PG  XIJDI XBT SFDPSEFE BU 3Q  QFS 64%PMMBS PSPOMZEFQSFDJBUFECZ.FBOXIJMF GPSFJHO FYDIBOHFSFTFSWFTBUUIFFOEPGTUPPEBU64% CJMMJPO VQGSPN64%CJMMJPOSFDPSEFEBUUIFFOE PG

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bank bjb Annual Report 2014

204

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TINJAUAN KEUANGAN

1FOBNCBIBO LBQJUBMJTBTJ QBTBS NFODBQBJ   NFOKBEJ 64%   NJMJBS TBNQBJ EFOHBO UBOHHBM  %FTFNCFS EJCBOEJOHLBOQPTJTJ64% NJMJBSQBEBBLIJS %J "TJB 5FOHHBSB  return *)4(  EJ QPTJTJ runner-up TFUFMBI JOEFLT 'JMJQJOB 14&*  ZBOH NFSBJI QFSUVNCVIBO   %BSJ SFHJPOBM "TJB  QFODBQBJBO *)4( NBTVL FNQBU CFTBS  TFUFMBI JOEFLT 4IBOHIBJ EFOHBO return    JOEFLT #4& *OEJB   EBO 'JMJQJOB   )BKBUBO QPMJUJL MJNB UBIVOBO ZBLOJQFNJMVUBLNFOZVSVULBONJOBUJOWFTUPS1BEB 4FQUFNCFS *)4(NFOZFOUVIUJUJLUFSUJOHHJZBJUVQBEB MFWFM   1FNPEBM BTJOH EJ UBIVO  NFNCVLVLBO net buy 3Q  USJMJVO 1BEB UBIVO   LFUJLB *)4( NJOVT   BTJOHNFODFUBLnet sell3Q USJMJVO

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Kinerja Sektor Perbankan Tahun 2014

Performance of the Banking Sector in 2014

8BMBVQVOLPOEJTJQFSFLPOPNJBOZBOHUFOHBINFMBNCBUTFKBL QFSUFOHBIBO UBIVO   LJOFSKB TFLUPS QFSCBOLBO NBTJI NFOVOKVLLBO IBTJM ZBOH DVLVQ TPMJE 1FSUVNCVIBO LSFEJU TFLUPS QFSCBOLBO IJOHHB /PWFNCFS  NBTJI NFODBQBJ    EFNJLJBO KVHB EBOB QJIBL LFUJHB NBNQV UVNCVI IJOHHB   :P:

 TFIJOHHB SBTJP -%3 UFSDBUBU   -BKV QFSUVNCVIBO LSFEJU TFEJLJU NFOVSVO EJCBOEJOHLBO EFOHBO UBIVO  ZBOH NFODBUBU QFSUVNCVIBO LSFEJU IJOHHB BLIJS UBIVO TFCFTBS   TFEBOHLBO EBOB QJIBL LFUJHB TFCFTBS    OBNVO LJOFSKB JOJ NBTJI DVLVQ NFOHHFNCJSBLBO"QBMBHJQFSUVNCVIBOLSFEJUUFSTFCVUKVHB EJJNCBOHJ EFOHBO BOHLB /1- CSVUP ZBOH NBTJI UFSKBHB EJ MFWFMZBOHSFOEBI #FHJUVQVMBEBMBNIBMQSPmUBCJMJUBT TFLUPSQFSCBOLBOTFQFSUJZBOHUFSDFSNJOQBEBBOHLBReturn on Assets 30"   QBEB MFWFM    TFNFOUBSB BLJCBU LFOBJLBO TVLV CVOHB  Net Interest Margin /*.  TFEJLJU NFMFNBI LF MFWFM   KJLB EJCBOEJOHLBO EFOHBO UBIVO  TFCFTBS    3BTJP #FCBO EJCBOEJOH QFOEBQBUBO #010 KVHBUFSDBUBUNFOJOHLBUNFOKBEJTFCFTBS CJMB EJCBOEJOHLBO BLIJS UBIVO  TFCFTBS   %BSJ TFHJ QFSNPEBMBO  3BTJP 1FNFOVIBO ,FDVLVQBO .PEBM .JOJNVN $"3  QBEB UBIVO  NFOVOKVLBO USFO LFOBJLBO NFOKBEJ  CJMBEJCBOEJOHLBOBLIJSUBIVOTFCFTBS 

%FTQJUF UIF TMPXJOH FDPOPNJD DPOEJUJPOT TJODF NJE  UIF QFSGPSNBODF PG UIF CBOLJOH TFDUPS TUJMM TIPXFE B QSFUUZ TPMJE PVUDPNF -PBO HSPXUI JO UIF CBOLJOH TFDUPS VQ UP UP /PWFNCFS  TUJMM SFBDIFE   BT XFMM BT UIJSE QBSUZ GVOET XIJDI XBT BCMF UP HSPX VQ UP  :P:

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Informasi Keuangan Perusahaan

Financial Information of the Company

5BIVO  NFSVQBLBO UBIVO ZBOH QFOVI UBOUBOHBO CBHJ QFSCBOLBO UFSNBTVL CBOL bjb NFOHJOHBU BEBOZB LFUJEBLQBTUJBO LPOEJTJ QFSFLPOPNJBO HMPCBM ZBOH KVHB CFSEBNQBLQBEBQFSFLPOPNJBO*OEPOFTJB

 XBT B DIBMMFOHJOH ZFBS GPS UIF CBOLJOH CVTJOFTT  JODMVEJOH GPS CBOL bjb  HJWFO UIF VODFSUBJOUZ JO HMPCBM FDPOPNJD DPOEJUJPOT XIJDI BMTP IBWF BO JNQBDU PO UIF *OEPOFTJBOFDPOPNZ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

205 FINANCIAL REVIEW

'FOPNFOB QFSMBNCBUBO QFSUVNCVIBO FLPOPNJ  JOnBTJ  EBO LFOBJLBO#*rateUFSTFCVUNFOZFCBCLBOTFNBLJONFOJOHLBUOZB QFSTBJOHBOQFSCBOLBO/BNVO QBUVUEJTZVLVSJCBIXBLJOFSKB CBOLbjbEJUBIVONBTJINFOHBMBNJQFSUVNCVIBO5PUBM ,SFEJUUVNCVI :P:NFOKBEJ3Q USJMJVOTFEBOHLBO %1,NFOHBMBNJQFSUVNCVIBOTFCFTBS :P:NFOKBEJ 3Q  USJMJVO  -BCB CFSTJI NFODBQBJ 3Q  USJMJVO BUBV UVSVO   #FSJLVU BEBMBI QFODBQBJBO LJOFSKB CBOL bjb EJCBOEJOHLBOEFOHBOUBSHFUQFSVTBIBBOEJ

5IF TMPXJOH FDPOPNJD HSPXUI QIFOPNFOPO  JOnBUJPO  BOE UIF JODSFBTF JO #* SBUF BSF DBVTJOH BO JODSFBTF JO CBOLJOH DPNQFUJUJPO )PXFWFS  JU JT GPSUVOBUF UIBU UIF QFSGPSNBODF PG CBOL bjb JO  JT TUJMM FYQFSJFODJOH HSPXUI 5PUBM MPBOT HSFXCZ:P:UP3Q USJMMJPO XIJMFUIJSEQBSUZGVOET HSFX CZ  :P: UP 3Q  USJMMJPO /FU QSPmU SFBDIFE 3QUSJMMJPO PSBEFDSFBTFPG5IFGPMMPXJOHJTUIF QFSGPSNBODF BDIJFWFNFOUT PG CBOL bjb DPNQBSFE UP UIF UBSHFUPGUIFDPNQBOZJO

Perbandingan bank bjb 2014

Target vs Realization Performance

No.

Target

dan

Realisasi

Kinerja



1FOEBQBUBO#VOHB



1FOEBQBUBO0QFSBTJPOBM4FMBJO#VOHB

bank

bjb

2014

Realisasi Realization 2014 (Rp miliar/ Rp billion)

Pencapaian Achievement 2014





 

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0QFSBUJPOBM*ODPNF0UIFS5IBO*OUFSFTU Total Operational Income

Target 2014 (Rp miliar/ Rp billion)

Uraian

of

Description

Total Pendapatan Operasional

8.035

9.501

118,25%



#FCBO#VOHB





 

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0QFSBUJPOBM&YQFOTFT0UIFS5IBO*OUFSFTU

Total Beban Usaha

6.774

8.241

121,66%

Total Operational Expenses



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Kinerja bank bjb (konsolidasi 2010-2014)

bjb bank performance (consolidated 2010-2014) 31 Desember/December 31

Uraian

Description 2010

2011

2012

2013

2014

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

206

TINJAUAN KEUANGAN

KINERJA UMUM 2014

GENERAL PERFORMANCE IN 2014

%FOHBO LPOEJTJ QFSCBOLBO ZBOH EJCBZBOHJ MJLVJEJUBT ZBOH LFUBUCBOLbjbNFODBUBUQFOVSVOBOMBCBCFSTJIEJUBIVO TFCFTBS KJLBEJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB -BCBCFSTJICBOLbjbEJUBIVOZBJUVTFCFTBS3Q  USJMJVOUVSVONJMJBSNFOKBEJ3Q USJMJVOEJUBIVO 1FOVSVOBO JOJ NFSVQBLBO EBNQBL LFOBJLBO /1- EJ UBIVO EJNBOBNFOHBMBNJLFOBJLBOTFCFTBS 

8JUI UIF CBOLJOH DPOEJUJPO UIBU JT PWFSTIBEPXFE CZ UJHIU MJRVJEJUZ  CBOL bjb QPTUFE B OFU QSPmU EFDSFBTF JO  CZ DPNQBSFEXJUIUIFQSFWJPVTZFBS5IFOFUQSPmUPGCBOL bjbJOXIJDIBNPVOUFEUP3Q USJMMJPO EFDSFBTFECZ CJMMJPOUP3Q CJMMJPOJO5IJTEFDSFBTFXBTUIF JNQBDU PG UIF JODSFBTF JO /1- JO   XIJDI JODSFBTFE CZ 

0QUJNBMJTBTJMJBCJMJUBTTFSUBQFOHFOEBMJBOLFHJBUBOPQFSBTJPOBM ZBOHFGFLUJGEBOFmTJFO1FSUVNCVIBOBTFUCBOLbjbTFCFTBS   EJEPSPOH PMFI QFOJOHLBUBO EBOB QJIBL LFUJHB   UFSVUBNB HJSP TFCFTBS   4FMBJO JUV QFSUVNCVIBO BTFU CBOLbjbEJEPSPOHPMFIQFOJOHLBUBOQJOKBNBOZBOHEJCFSJLBO TFCFTBS   1FOJOHLBUBO QJOKBNBO ZBOH EJCFSJLBO JOJ NFSVQBLBOTBMBITBUVTUSBUFHJQFSVTBIBBOEBMBNNFOHFMPMB IBTJM QSPEVLUJG EBO NFOJOHLBULBO JNCBM IBTJM ZBOH EJJSJOHJ EFOHBOQFSUVNCVIBOCJTOJTZBOHUFMBIEJMBLVLBOTFQBOKBOH UBIVO  %FOHBO FLTQBOTJ CJTOJT ZBOH DVLVQ BHSFTJG EJ UBIVO CBOLbjbUFUBQNFNQFSUBIBOLBOSBTJPLFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN $"3  TFCFTBS   KBVI EJBUBT ZBOH EJTZBSBULBO PMFI #BOL *OEPOFTJB ,JOFSKB CBOL bjbEJUBIVOUJEBLIBOZBUFSGPLVTQBEBQFOJOHLBUBOBTFU EBOMBCB UFUBQJNFODBLVQKVHBQFSCBJLBOQFODBQBJBO%BOB 1JIBL ,FUJHB  IBM JOJ UFSDFSNJO EFOHBO LFOBJLBO %BOB 1JIBL ,FUJHBZBOHTJHOJmLBOTFCFTBS BUBVTFKVNMBI  USJMJVO

0QUJNJ[BUJPOPGMJBCJMJUZBTXFMMBTFGGFDUJWFBOEFGmDJFOUDPOUSPM PGPQFSBUJPOT"TTFUTHSPXUIPGCBOLbjbPGXBTESJWFO CZBOJODSFBTFJOUIJSEQBSUZGVOETCZQBSUJDVMBSMZJO TBWJOHTBDDPVOUCZ'VSUIFSNPSF CBOLbjbTBTTFUT HSPXUI XBT ESJWFO CZ BO JODSFBTF JO MPBOT XIJDI BNPVOUFE UP  5IF JODSFBTF JO MPBOT JT POF PG UIF DPNQBOZT TUSBUFHZJONBOBHJOHQSPEVDUJWFSFTVMUTBOEJODSFBTFUIFZJFME XIJDI JT BDDPNQBOJFE CZ UIF HSPXUI PG UIF CVTJOFTT XIJDI IBTCFFOEPOFEVSJOH8JUIBGBJSMZBHHSFTTJWFCVTJOFTT FYQBOTJPO JO   CBOL bjb JT NBJOUBJOJOH UIF NJOJNVN DBQJUBM BEFRVBDZ SBUJP $"3  PG   XFMM BCPWF UIBU JT SFRVJSFECZ#BOL*OEPOFTJB5IFQFSGPSNBODFPGCBOLbjbJO JTOPUPOMZGPDVTFEPOJODSFBTJOHBTTFUTBOEQSPmUT CVU BMTPJODMVEFTJNQSPWFNFOUTJOUIFBDIJFWFNFOUPGUIJSEQBSUZ GVOET UIJTJTSFnFDUFECZUIFTJHOJmDBOUJODSFBTFJOUIJSEQBSUZ GVOETCZPSJOUIFBNPVOUPGUSJMMJPO

Aset

Assets

5PUBM "TFU 1FSTFSPBO QBEB UBIVO  NFOHBMBNJ LFOBJLBO   NFOKBEJ 3Q  USJMJVO CJMB EJCBOEJOHLBO EFOHBO QFODBQBJBOTFCFTBS3Q USJMJVO1FOJOHLBUBOBTFU UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI LFOBJLBO EBOB QJIBL LFUJHBTFCFTBS EJBOUBSBOZBLFOBJLBOQFSTFOUBTFHJSP TFCFTBS 

5PUBMBTTFUTPGUIF$PNQBOZJOFYQFSJFODFTBOJODSFBTF PGUP3QUSJMMJPO DPNQBSFEUPUIFBDIJFWFNFOUJO  PG 3Q USJMMJPO 5IF JODSFBTF JO BTTFUT XBT ESJWFO CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP   BNPOH PUIFST UIF QFSDFOUBHF JODSFBTF JO EFNBOE EFQPTJUT CZ

Liabilitas

Liabilities

5PUBM -JBCJMUBT 1FSTFSPBO QBEB UBIVO  NFOHBMBNJ LFOBJLBO   NFOKBEJ 3Q  USJMJVO CJMB EJCBOEJOHLBO EFOHBO QFODBQBJBO  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBO MJBCJMUBT UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI LFOBJLBO EBOB QJIBL LFUJHB TFCFTBS   EJBOUBSBOZB LFOBJLBOQFSTFOUBTFHJSPTFCFTBS 

5PUBMMJBCJMJUJFTPGUIF$PNQBOZJOFYQFSJFODFEBOJODSFBTF PGUP3QUSJMMJPO DPNQBSFEUPUIFBDIJFWFNFOUJO PG3QUSJMMJPO5IFJODSFBTFEMJBCJMJUJFTXBTESJWFO CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP  BNPOH PUIFST UIF QFSDFOUBHF JODSFBTF JO EFNBOE EFQPTJUT CZ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

207 FINANCIAL REVIEW

Liabilitas

Aset

+6,87%

"TTFUT Rp Miliar 3Q#JMMJPO





75.797

Rp Miliar 3Q#JMMJPO





2012

2013

63.885









2010

+4,91%

-JBCJMJUJFT

2011

2012

2013

2014

2010

2011

2014

Ekuitas

Equity

&LVJUBT CBOL bjb EBO BOBL QFSVTBIBBO QBEB UBIVO  BEBMBITFCFTBS3Q USJMJVO NFOJOHLBUTFCFTBS CJMB EJCBOEJOHLBO EFOHBO UBIVO  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBOJOJEJTFCBCLBOLBSFOBBEBOZBTBMEPMBCBEJUBIBO ZBOHNFOBNCBIKVNMBIDBEBOHBOCBOLbjb

5IF FRVJUZ PG CBOL bjb BOE JUT TVCTJEJBSJFT JO  JT JO UIF BNPVOUPG3QUSJMMJPO BOJODSFBTFPGDPNQBSFEUP XIJDIBNPVOUFEUP3QUSJMMJPO5IJTJODSFBTFJTEVF UPUIFSFUBJOFEFBSOJOHTXIJDIJODSFBTFECBOLbjbTSFTFSWFT

Ekuitas

+5,44%

&RVJUZ Rp Miliar 3Q#JMMJPO

7.084 



 

2010

2011

2012

2013

2014

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

208

TINJAUAN KEUANGAN

TINJAUAN LABA RUGI

PROFIT LOSS REVIEW

Laba Bersih

1HW3URÀW

-BCB CFSTJI NFOVSVO TFCFTBS   NFOKBEJ 3Q  USJMJVO QBEB UBIVO  EJCBOEJOHLBO UBIVO TFCFMVNOZB 3Q USJMJVO1FOVSVOBO-BCB#FSTJICFSBTBMEBSJUVSVOOZB LVBMJUBTBTFUQBEBUBIVONFOKBEJ 

/FU QSPmU EFDSFBTFE CZ  UP 3Q  USJMMJPO JO  DPNQBSFE UP UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 3Q  USJMMJPO5IFEFDSFBTFJO/FU1SPmUJTEFSJWFEGSPNUIFEFDMJOF JOUIFRVBMJUZPGBTTFUTJOUP

#FSEBTBSLBOBOBMJTBLBNJCFCFSBQBIBMZBOHNFOZFCBCLBO QFOVSVOBOMBCBBEBMBITFCBHBJCFSJLVU t #FCBO CVOHB NFOHBMBNJ QFOJOHLBUBO TFCFTBS   )BMJOJTFCBHBJEBNQBLCFCBOCVOHBZBOHDVLVQUJOHHJ QBEB 58 * EBO 58 **  %1, UFSVUBNB EFQPTJUP LPSQPSBTJ NFOHBMBNJ QFSUVNCVIBO ZBOH UJOHHJ UJEBL TFCBOEJOH EFOHBO QFSUVNCVIBO LSFEJU  TFIJOHHB CFSEBNQBL UFSIBEBQ QFODBQBJBO /** ZBOH NFOVSVO 1BEB 58 **  ***  EBO *7 EJWJTJ JOTUJUVTJPOBM CBOLJOH NFOHBUVS MBKV QFSUVNCVIBO%1,UJEBLUFSMBMVUJOHHJUFUBQJNFOZFTVBJLBO EFOHBOQFSUVNCVIBOLSFEJU EBNQBLOZBQBEB58*** /** NVMBJNFOHBMBNJQFOJOHLBUBO t <QBOTJ LSFEJU UVNCVI   EJ CBXBI SBUBSBUB JOEVTUSJ ZBOH UVNCVI   UBIVO  FLTQBOTJ LSFEJUTFCFTBS3Q USJMJVOTFEBOHLBOUBIVOIBOZB UVNCVI 3Q  USJMJVO  QFSUVNCVIBO JOJ QBMJOH SFOEBI TFMBNB  UBIVO UFSBLIJS EBO EBNQBLOZB QFOEBQBUBO CVOHBNFOVSVO t ,VBMJUBTLSFEJUZBOHNFNCVSVL QFSHFSBLBOLPMFLUJCJMJUBT OBJL EBSJQPTJTJ3QNJMJBSUBIVONFOKBEJ 3Q  USJMJVO QBEB UBIVO  TFIJOHHB CFSEBNQBL UFSIBEBQ QFNCFOUVLBO $,1/ TFCFTBS 3Q  NJMJBS  TFCBHJBOCFTBS$,1/LSFEJU.JLSPTFCFTBS3QNJMJBS 4FEBOHLBOCJBZB$,1/TFCFTBS3QNJMJBS

#BTFE PO PVS BOBMZTJT  TPNF PG UIF UIJOHT UIBU MFE UP UIF EFDMJOFJOQSPmUTBSFBTGPMMPXT t *OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF PG  5IJTJTBTBSFTVMUPGIJHIJOUFSFTUJOUIF'JSTUBOE4FDPOE 2VBSUFS  UIJSE QBSUZ GVOET NBJOMZ DPSQPSBUF EFQPTJUT FYQFSJFODFE IJHI HSPXUI XIJDI JT OPU DPNQBSBCMF UP DSFEJUHSPXUI JNQBDUJOHPOUIFEFDMJOJOH/**BDIJFWFNFOU *OUIF4FDPOE 5IJSE BOE'PVSUI2VBSUFS UIFJOTUJUVUJPOBM CBOLJOHEJWJTJPOSFHVMBUFTUIFHSPXUIPGUIJSEQBSUZGVOET UP CF OPU UPP IJHI  SBUIFS BEKVTUFE UP UIF DSFEJU HSPXUI  XIJDIIBEBOJNQBDUPOUIF5IJSE2VBSUFS JOXIJDIUIF/** IBTTUBSUFEUPJODSFBTF t $SFEJU FYQBOTJPO HSFX CZ   CFMPX UIF JOEVTUSZ BWFSBHFXIJDIHSFXCZ JOUIFFYQBOTJPO PGDSFEJUBNPVOUJOHUP3QUSJMMJPO XIFSFBTJOPOMZ HSFX3QUSJMMJPO UIJTJTUIFMPXFTUHSPXUIPWFSUIFMBTU ZFBSTBOEJNQBDUJOHPOUIFEFDSFBTFPGJOUFSFTUJODPNF t %FUFSJPSBUJOHDSFEJURVBMJUZ UIFNPWFNFOUPGDPMMFDUJCJMJUZ SPTFCZGSPN3QCJMMJPOJOUP3Q USJMMJPO JO   XIJDI MFBET UP UIF $,1/ GPSNBUJPO PG 3Q  CJMMJPO  NPTUMZ BSF .JDSP DSFEJU $,1/ XIJDI BNPVOUFE UP 3Q CJMMJPO 8IJMF UIF DPTU PG UIF  $,1/JTJOUIFBNPVOUPG3QCJMMJPO

Laba Bersih

-18,62%

/FU*ODPNF

Laba sebelum Beban Pajak Penghasilan

-17,94%

*ODPNF#FGPSF5BY

Rp Juta 3Q.JMMJPO





Rp Juta 3Q.JMMJPO



 

 1.120.034

2010

1.438.489 



2011

2012

bank bjb Laporan Tahunan 2014

2013

2014

2010

2011

2012

2013

2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

209 FINANCIAL REVIEW

Pendapatan Sebelum Pajak dan Pendapatan Bersih

Income Before Tax and Net Income

1FOEBQBUBOTFCFMVNQBKBLNFOVSVOTFCFTBS NFOKBEJ 3Q USJMJVOEJUBIVOEJCBOEJOHLBOQBEBUBIVO TFCFTBS3Q USJMJVO ZBOHEJTFCBCLBOPMFIQFOVSVOBOMBCB PQFSBTJPOBMTFCFTBS 1FOVSVOBOUFSTFCVUCFSEBNQBL LFQBEBQFOVSVOBOJNCBMIBTJMBTFU 30" NFOKBEJ EJ UBIVO  EJCBOEJOHLBO QBEB UBIVO  TFCFTBS   4FNFOUBSB JUV  QFOEBQBUBO TFUFMBI QBKBL NFOVSVO TFCFTBS   NFOKBEJ 3Q  USJMJVO EJ UBIVO  EJCBOEJOHLBO QBEBUBIVOTFCFTBS3Q USJMJVO

*ODPNFCFGPSFUBYFTEFDSFBTFECZUP3Q USJMMJPO JODPNQBSFEUPXIJDIBNPVOUFEUP3Q CJMMJPO  XIJDIJTDBVTFECZBEFDSFBTFJOPQFSBUJOHQSPmUCZ 5IF EFDMJOF SFTVMUFE JO EFDSFBTJOH ZJFMET PO BTTFUT 30"  UP  JO  DPNQBSFE UP  JO  .FBOXIJMF  JODPNF BGUFS UBY EFDSFBTFE CZ  UP 3Q  USJMMJPO JO DPNQBSFEUPXIJDIBNPVOUFEUP3Q USJMMJPO

Pendapatan Bunga

Interest Income

1FOEBQBUBOCVOHBSFMBUJGTUBHOBOIBOZBOBJLTFCFTBS  NFOKBEJ 3Q  USJMJVO EJ UBIVO  EJCBOEJOHLBO UBIVO  ZBOH TFCFTBS 3Q  USJMJVO )BM UFSTFCVU TFKBMBO EFOHBONFOVSVOOZBNBSKJOCVOHBCFSTJI /*. TFCFTBS CQTNFOKBEJ EJUBIVOEJCBOEJOHLBOUBIVO ZBJUVTFCFTBS 

*OUFSFTUJODPNFXBTSFMBUJWFMZTUBHOBOU SJTJOHPOMZCZ UP3Q USJMMJPOJODPNQBSFEUP XIJDIBNPVOUFE UP3Q USJMMJPO5IJTJTDPOTJTUFOUXJUIUIFEFDSFBTFJOOFU JOUFSFTUNBSHJO /*. CZCQTUPJODPNQBSFE UPJO

Pendapatan Bunga dan Syariah

+8,10%

*OUFSFTU*ODPNF BOE4IBSJB

8.791.820 



Rp Juta 3Q.JMMJPO

+29,23% 4.330.222

*OUFSFTU&YQFOTFT BOE4IBSJOH4IBSJB Rp Juta 3Q.JMMJPO



  





2010

Beban Bunga dan Bagi Hasil Syariah

2011

2012

2013

2014

2010

2011

2012

2013

2014

Beban Bunga

Interest Expense

#FCBOCVOHBNFOHBMBNJLFOBJLBOTFCFTBS NFOKBEJ TFCFTBS 3Q NJMJBS EJ UBIVO  EJCBOEJOHLBO UBIVO  TFCFTBS 3Q NJMJBS ,FOBJLBO JOJ CFSBTBM EBSJ cost of fund ZBOH TFNVMB   EJ UBIVO  NFOKBEJ   EJ UBIVO

*OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF CZ  UP 3Q CJMMJPOJODPNQBSFEUPXIJDIBNPVOUFEUP 3Q CJMMJPO5IJTJODSFBTFEFSJWFEGSPNUIFDPTUPGGVOET GSPNPSJHJOBMMZJOUPJO

Pendapatan Bunga Bersih

Net Interest Income

1FOVSVOBO QFOEBQBUBO CVOHB CFSTJI  EJTFSUBJ EFOHBO QFOJOHLBUBOQBEBCFCBOCVOHB NFOHBMBNJQFOVSVOBOQBEB QFOEBQBUBO CVOHB CFSTJI TFCFTBS   NFOKBEJ 3Q  USJMJVOEJUBIVOEJCBOEJOHLBOUBIVOZBOHTFCFTBS

5IF EFDMJOF JO OFU JOUFSFTU JODPNF  BDDPNQBOJFE CZ BO JODSFBTF JO JOUFSFTU FYQFOTF  EFDSFBTFE UIF OFU JOUFSFTU JODPNF CZ  UP 3Q  USJMMJPO JO  DPNQBSFE UP  XIJDIBNPVOUFEUP3Q USJMMJPO5IJTJTJOMJOFXJUI

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

210

TINJAUAN KEUANGAN

3Q  USJMJVO )BM UFSTFCVU TFKBMBO EFOHBO NFOJOHLBUOZB NBSKJO CVOHB CFSTJI /*.  TFCFTBS  CQT NFOKBEJ   EJUBIVOEJCBOEJOHLBOUBIVOZBJUVTFCFTBS 

UIFJODSFBTFJOOFUJOUFSFTUNBSHJO /*. PGCQTUP JODPNQBSFEUPXIJDIBNPVOUFEUP

Pendapatan Operasional Lainnya

Other Operational Income

1FOEBQBUBO PQFSBTJPOBM MBJOOZB TFMBNB  NFOJOHLBU TFCFTBS    NFOKBEJ 3Q NJMJBS EJCBOEJOHLBO UBIVO  TFCFTBS 3Q NJMJBS ZBOH  EJTFCBCLBO PMFI NFOJOHLBUOZB USBOTBLTJ NFMBMVJ LBSUV "5. UFSVUBNB fee EBSJ "5.ZBOHNFOJOHLBUTFCFTBS NFOKBEJ3Q NJMJBSEJ UBIVOEJCBOEJOHLBOUBIVOTFCFTBS3Q NJMJBS

0UIFSPQFSBUJOHJODPNFEVSJOHJODSFBTFECZUP 3QCJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q CJMMJPOEVFUPJODSFBTFEUSBOTBDUJPOWJBBUNDBSEQBSUJDVMBSMZ GSPN"5.GFFTXIJDIJODSFBTFECZUP3QCJMMJPOJO DPNQBSFEUP3Q CJMMJPOJO

Pendapatan Bunga Bersih

Pendapatan Operasional Lainnya

-6,70%

/FU*OUFSFTU*ODPNF

0UIFST0QFSBUJPOBM *ODPNF



Rp Juta 3Q.JMMJPO



Rp Juta 3Q.JMMJPO

4.461.598



+23,76% 565.904 



  

2010

2011

2012

2013

2014

2010

2011

2012

2013

2014

3Q+VUB 

3Q.JMMJPO

31 Desember/December 31

Uraian

2012

2013

Description

2010

2011

2014

1SPWJTJEBOLPNJTJTFMBJOEBSJLSFEJU ZBOHEJCFSJLBO











'FFTBOEDPNNJTTJPOTGSPNMPBOT

1FOFSJNBBO,FNCBMJ"TFUZBOHUFMBI %JIBQVT#VLV











3FDPWFSZGSPN"TTFUT8SJUUFO0GG

,FVOUVOHBOEBSJQFOKVBMBOTVSBU CFSIBSHBZBOHEJQFSEBHBOHLBO











*ODPNFGSPNTBMFTTFDVSJUJFT

1FOEBQBUBOUSBOTBLTJWBMVUBBTJOH











'PSFJHOFYDIBOHF*ODPNF

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0UIFST

+VNMBI1FOEBQBUBO0QFSBTJPOBM -BJOOZB











5PUBMPUIFSTPQFSBUJPOBMJODPNF

3Q+VUB] 3Q.JMMJPO

14-Jan

14-Feb

14-Mar

14-Apr

14-Mei

14-Jun

Ju114

14-Agt

5ep 14

14-Okt

14-Nov

14-Des

1FOEBQBUBO,SFEJU

























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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

211 FINANCIAL REVIEW

3Q+VUB] 3Q.JMMJPO

14-Jan

14-Feb

14-Mar

14-Apr

14-Mei

14-Jun

Ju114

14-Agt

5ep 14

14-Okt

14-Nov

14-Des

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Des 13

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3Q.JMMJPO

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Beban Operasional Lainnya

Other Operating Expenses

4FJSJOH EFOHBO QFSUVNCVIBO EBO QFSLFNCBOHBO WPMVNF CJTOJT ZBOH EJMBLVLBO PMFI 1FSVTBIBBO  CFCBO PQFSBTJPOBM MBJOOZB NFOHBMBNJ QFOJOHLBUBO TFCFTBS   NFOKBEJ 3Q  USJMJVO EJ UBIVO  EJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBO UFSTFCVU CFSBTBM EBSJ CFCBOUFOBHBLFSKBZBOHNFOJOHLBUTFCFTBS NFOKBEJ 3Q NJMJBS EJCBOEJOHLBO UBIVO  TFCFTBS 3Q NJMJBS  TFKBMBO EFOHBO CFSUBNCBIOZB KVNMBI QFHBXBJ NFOKBEJ  LBSZBXBO UFUBQ TFEBOHLBO QBEB UBIVO  TFKVNMBILBSZBXBO

*O MJOF XJUI UIF HSPXUI BOE EFWFMPQNFOU PG UIF CVTJOFTT WPMVNFDPOEVDUFECZUIF$PNQBOZ PUIFSPQFSBUJOHFYQFOTFT JODSFBTFE CZ  UP 3Q  USJMJVO JO  DPNQBSFE UP  XIJDI BNPVOUFE UP 3Q  USJMMJPO 5IJT JODSFBTF JT EFSJWFEGSPNMBCPSDPTUXIJDIJODSFBTFECZUP3Q  CJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q CJMMJPO  JOMJOFXJUIUIFJODSFBTFJOUIFOVNCFSPGFNQMPZFFTJOUP  QFSNBOFOUFNQMPZFFTXIJMFUIFOVNCFSPGFNQMPZFFTJO XBT 

3BTJP CJBZB UFSIBEBQ QFOEBQBUBO #010  NFOHBMBNJ LFOBJLBO NFOKBEJ   EJUBIVO  TFEBOHLBO QBEB UBIVOTFCFTBS  TFCBHBJFLTQBOTJKBSJOHBOEBO QFSFLSVUBO LBSZBXBO CBOL bjb  OBNVO EFNJLJBO CBOL bjb CFSIBTJM NFMBLVLBO FmTJFOTJ TFIJOHHB LFOBJLBO #010 UJEBL UFSMBMVCFTBS

&YQFOTFUPJODPNF 30" SBUJPJODSFBTFEUPJO  XIJMF JO  BNPVOUFE UP   BT OFUXPSL FYQBOTJPO BOE SFDSVJUNFOU PG CBOL bjb FNQMPZFFT  IPXFWFS CBOL bjb NBOBHFEUPJNQSPWFFGmDJFODZ UIVTUIFJODSFBTFJO30"XBT OPUUPPMBSHF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

212

TINJAUAN KEUANGAN

4BNQBJ  %FTFNCFS   CBOL bjb NFNJMJLJ  ,BOUPS $BCBOH ,BOUPS$BCBOH1FNCBOUV ,BOUPS,BT  Payment Point NPCJMLBTEBO"5.

6QUP%FDFNCFS CBOLbjbIBTCSBODIPGmDFT  4VC#SBODI 0GmDFT   $BTI 0GmDFT   1BZNFOU 1PJOUT  DBTIDBSTBOE "5.T

CBOL bjb UFMBI NFNJMJLJ OBTBCBI TJNQBOBO TFCBOZBL QJIBLZBOHUFSEJSJEBSJ OBTBCBISJUFM   OBTBCBILPSQPSBTJ  OBTBCBIQFNFSJOUBIEBOOBTBCBI JOTUJUVTJPOBM TFCFTBS   4FMBJO JUV CBOL bjb KVHB UFMBI NFOZBMVSLBOQJOKBNBOOZBLFQBEBEFCJUVSEJTFMVSVI EBFSBIPQFSBTJPOBMCBOLbjbZBOHUFSEJSJEBSJ EFCJUVS LSFEJU LPOTVNFS    EFCJUVS LSFEJU LPNFSTJBM    EFCJUVSLSFEJU,13EBOTFCFTBS EFCJUVSLSFEJUNJLSP

CBOLbjbIBTBUPUBMPG  EFQPTJUDVTUPNFSTDPNQSJTJOH PG  PG SFUBJM DVTUPNFST   DPSQPSBUF DVTUPNFST  HPWFSONFOUDVTUPNFSTBOEJOTUJUVUJPOBMDMJFOUT *O BEEJUJPO  CBOL bjb BMTP IBT EJTUSJCVUFE   MPBOT UP EFCUPST JO BMM PQFSBUJPOBM BSFBT PG CBOL bjb DPOTJTUJOH PG  DPOTVNFS CPSSPXFST   DPNNFSDJBM CPSSPXFST   NPSUHBHF CPSSPXFST BOE  NJDSPDSFEJU CPSSPXFST

3Q+VUB 

3Q.JMMJPO

31 Desember/December 31 Uraian

Description 2010

2011

2012

2013

2014

#FCBO5FOBHBLFSKBEBOUVOKBOHBO











#FCBO6NVNEBOBENJOJTUSBTJ











(FOFSBM"ENJOJTUSBUJWF&YQFOTFT

#FCBO0QFSBTJPOBM-BJOOZB

0UIFS0QFSBUJOH&YQFOTFT

1FOZJTJIBO 1FNCBMJLBO ,FSVHJBO1FOVSVOBO /JMBJ"UBT"TFU,FVBOHBO%BO/PO,FVBOHBO

-BCPVS$IBSHFST4VCTJEZ











"MMPXBODFGPS-PTTFTPO%FDSFBTFJO7BMVFPG 'JOBODJBM"TTFU

,FSVHJBOZBOH#FMVN%JSFBMJTBTJLBO"UBT 1FOVSVOBO/JMBJ8BKBS4VSBU#FSIBSHBZBOH %JQFSEBHBOHLBO











6OSFBMJ[FE-PTTFTUP%FDSFBTFUIF7BMVFPG 'BJS5SBEJOH4FDVSJUJFT

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"MMPXBODF'PS-PTTFTPO%FDSFBTF*O5IF 7BMVFPG$PNNJUNFOUBOE$POUJOHFODZ

1FOZJTJIBO,FSVHJBO1FOVSVOBO/JMBJBUBT ,PNJUNFOEBO,POUJOKFOTJ #FCBO-BJOOZB +VNMBI#FCBO0QFSBTJPOBM-BJOOZB











0UIFS&YQFOTFT











5PUBM0UIFS0QFSBUJPOBM&YQFOTFT



Beban Operasional Lainnya

+3,56%

0UIFST0QFSBUJPOBM *ODPNF



Rp Juta 3Q.JMMJPO

Kredit yang diberikan

+10,46%

%JTCVSTFE-PBOT 3.611.668

Rp Juta 3Q.JMMJPO

54.017.114  



 

2010

 

2011

2012

bank bjb Laporan Tahunan 2014

2013

2014

2010

2011

2012

2013

2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

213 FINANCIAL REVIEW

TINJAUAN ASET

ASSETS REVIEW

Kredit yang Diberikan

Loans

5PUBM LSFEJU NFOHBMBNJ QFSUVNCVIBO TFCFTBS   EJCBOEJOHLBO UBIVO  TFCFTBS 3Q NJMJBS  NFOKBEJ TFCFTBS 3Q NJMJBS EJ UBIVO  %BSJ TJTJ TVLV CVOHB LSFEJU /*.  NFOHBMBNJ QFOVSVOBO TFCFTBS   NFOKBEJ   EJ UBIVO  EJCBOEJOHLBO UBIVO  TFCFTBS 1FOJOHLBUBOLSFEJUTBMBITBUVOZBEJEVLVOH PMFI QFSUVNCVIBO LSFEJU LPOTVNFS TFCFTBS   TFOJMBJ 3Q NJMJBS EJCBOEJOHLBO UBIVO  TFOJMBJ 3Q NJMJBS ,SFEJU LPOTVNFO TFCBHBJ TBMBI TBUV QSPEVL ZBOH EBQBUNFOPQBOHQFSUVNCVIBOLSFEJUCBOLbjb ZBOHEJNBOB QSPEVL ,(# NFNJMJLJ QFSBOBO ZBOH TBOHBU QFOUJOH  IBM JOJ EJLBSFOBLBO QSPEVL JOJ CFSLBJUBO MBOHTVOH EFOHBO core business bank 1SPEVL ,(# NFOHBMBNJ LFOBJLBO  EBSJ 3Q  USJMJVO EJ UBIVO  NFOKBEJ 3Q  USJMJVO EJ UBIVO  4FMBJO JUV ZBOH NFOHBMBNJ LFOBJLBO TBOHBU TJHOJmLBO BEBMBI QSPEVL ,SFEJU 1VSOB #IBLUJ BUBV ,SFEJU 1FOTJVO TFCFTBS  EBSJ 3Q NJMJBS NFOKBEJ 3Q  USJMJVO

5PUBM MPBO HSFX CZ  DPNQBSFE UP  XIJDI BNPVOUFE UP 3Q  CJMMJPO  UP 3Q  CJMMJPO JO  -FOEJOH JOUFSFTU SBUFT /*.  FYQFSJFODFE B EFDSFBTF CZ UPJODPNQBSFEUPXIJDIBNPVOUFE UP0OFPGUIFTVQQPSUJOHGBDUPSPGUIFJODSFBTFJOMPBOT JTUIFHSPXUIJODPOTVNFSMPBOTCZXIJDIBNPVOUFE UP 3Q  CJMMJPO  DPNQBSFE UP  XIJDI BNPVOUFE UP 3Q CJMMJPO$POTVNFSMPBOBTPOFPGUIFQSPEVDUTUIBU DBOTVQQPSUDSFEJUHSPXUIJOCBOLbjb JOXIJDI,(#QSPEVDUT IBWFWFSZJNQPSUBOUSPMF UIJTJTCFDBVTFUIFTFQSPEVDUTBSF EJSFDUMZSFMBUFEUPUIFDPSFCVTJOFTTPGUIFCBOL,(#QSPEVDUT JODSFBTFECZGSPN3QCJMMJPOJOUP3Q USJMMJPO JO  *O BEEJUJPO  ,SFEJU 1VSOB #IBLUJ PS 1FOTJPO -PBO BMTP FYQFSJFODFE B TJHOJmDBOU JODSFBTF CZ  GSPN 3QCJMMJPOUP3QUSJMMJPO

Total Penyaluran Kredit (Rp Juta)

(Rp Million) Total Loan Disbursement 31 Desember/December 31

Uraian

2010

2011

2012

2013

2014

Description

,SFEJUZBOHEJCFSJLBOo(SPTT











-PBOT

%JLVSBOHJQFOZJTJIBOLFSVHJBO





 



 

"MMPXBODF-PTTFT

,SFEJUZBOHEJCFSJLBOo#FSTJI











/FU-PBOT

(Rp Billion) Loan Disbursement by Segment

Penyaluran Kredit Berdasarkan Segmen (Rp Miliar) 31 Desember/December 31

Uraian - Bank only (dalam miliar)

,POTVNFS

2011

2012

2013

2014

Description - Bank only (in billion)









.JLSP









.JDSP

,PNFSTJBM









$PNNFSDJBM

,13 5PUBMLSFEJU(SPTT

$POTVNFS









.PSUHBHF









5PUBM(SPTT-PBOT

Penyaluran Kredit Berdasarkan Jenis Penggunaan Kredit (Rp Juta)

(Rp Million) Loan Disbursement by Types of Loan

31 Desember/December 31 Uraian

2010

2011

2012

2013

2014

Description

.PEBM,FSKB











*OWFTUBTJ











*OWFTUNFOU

4JOEJLBTJ











4ZOEJDBUFE

,POTVNTJ











$POTVNQUJPO

,BSZBXBO











&NQMPZFF











(PWFSONFOU1SPHSBN











5PUBM



 

 

 

  

-PTT1SPWJTJPO











5PUBM-PBO%JTCVSTFNFOUoOFU

1SPHSBN1FNFSJOUBI +VNMBI 1FOZJTJIBO,FSVHJBO +VNMBI,SFEJUZBOHEJCFSJLBOoCFSTJI

8PSLJOH$BQJUBM

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

214

TINJAUAN KEUANGAN

Penyaluran Kredit Berdasarkan Skala Usaha (Rp Juta)

(Rp Million) Loan Disbursement by Business Size 31 Desember/December 31

Uraian - Bank only

Description - Bank only 2014

6.,.

.4.&

6TBIB.JLSP



6TBIB,FDJM



4NBMM#VTJOFTT



.FEJVN#VTJOFTT

6TBIB.FOFOHBI 5PUBM6.,.



5PUBM.4.&



1SPQPSUJPOPG.4.&

1SPQPSTJ6.,. 6TBIB#FTBS



-BSHF#VTJOFTT



1SPQPSUJPOPG-BSHF#VTJOFTT



5PUBM-PBO%JTCVSTFNFOU(SPTT

1SPQPSTJ6TBIB#FTBS 5PUBMLSFEJUZBOHEJCFSJLBO(SPTT

.JDSP#VTJOFTT

Penyaluran Dana Persektor

Distribution of Funds by sector

 Konsumer Indikator Utama 0VUTUBOEJOH 3QNJMJBS

<QBOTJ/FUP 3QNJMJBS 3BUBSBUB 0VUTUBOEJOHQFS%FCJUVS 3QKVUB

Consumer ¨
FY13

FY14

Main Indicator



33.579

 

3QCJMMJPO 0VUTUBOEJOH



4.722

 

/FUU&YQBOTJPO 3QCJMMJPO "WFSBHF



96

 

0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO

+VNMBI%FCJUVS

 

350.446

 

/VNCFSPG%FCUPS

5JOHLBU4VLV#VOHB



18.45%

FGG1B

*OUFSFTU3BUF

Kualitas Kredit (%)

(%) Credit Quality

FY13

FY14

¨
%BMBN1FSIBUJBO,IVTVT

 

0,16

 

4QFDJBM.FOUJPO

/1-

 

0,08

 

/1-

Indikator Utama

FY13

FY14

¨
0VUTUBOEJOH 3QNJMJBS



4.505

 

3QCJMMJPO 0VUTUBOEJOH



-848

 

/FUU&YQBOTJPO 3QCJMMJPO "WFSBHF

Kredit Mikro

<QBOTJ/FUP 3QNJMJBS 3BUBSBUB 0VUTUBOEJOHQFS%FCJUVS 3QKVUB

Micro Loan Main Indicator



56

 

0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO

+VNMBI%FCJUVS



80.002

 

/VNCFSPG%FCUPS

5JOHLBU4VLVCVOHB



-27.0%

FGG1B

*OUFSFTU3BUF

Kualitas Kredit

FY13

FY14

¨
Credit Quality

%BMBN1FSIBUJBO,IVTVT

 

14,4

 

4QFDJBM.FOUJPO

/1-

 

22,7



/1-

Indikator Utama (%)

FY13

FY14

0VUTUBOEJOH 3QNJMJBS



Kredit Komersial

Commercial Loan ¨
(%) Main Indicator

6.850

 

3QCJMMJPO 0VUTUBOEJOH

<QBOTJ/FUP 3QNJMJBS 3BUBSBUB



139

 

/FUU&YQBOTJPO 3QCJMMJPO "WFSBHF

0VUTUBOEJOHQFS%FCJUVS 3QKVUB



1.044

 

0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO



6.563

 

/VNCFSPG%FCUPS



-12%

FGG1B

*OUFSFTU3BUF

¨
(%) Credit Quality

+VNMBI%FCJUVS 5JOHLBU4VLVCVOHB Kualitas Kredit (%)

FY13

FY14

%BMBN1FSIBUJBO,IVTVT

 

4,7

 

4QFDJBM.FOUJPO

/1-

 

11,3



/1-

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

215 FINANCIAL REVIEW

Kredit Pemilikan Rumah (KPR)

Housing Loan ¨
Main Indicator

4.444

 

3QCJMMJPO 0VUTUBOEJOH



533

 

/FUU&YQBOTJPO 3QCJMMJPO "WFSBHF



259

 

0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO



17.180

 

/VNCFSPG%FCUPS



% -13.7

FGG1B

*OUFSFTU3BUF (%) Credit Quality

Indikator Utama

FY13

0VUTUBOEJOH 3QNJMJBS



<QBOTJ/FUP 3QNJMJBS 3BUBSBUB 0VUTUBOEJOHQFS%FCJUVS 3QKVUB

+VNMBI%FCJUVS 5JOHLBU4VLVCVOHB

FY14

FY13

FY14

¨
%BMBN1FSIBUJBO,IVTVT

 

12,8



4QFDJBM.FOUJPO

/1-



5,1



/1-

Kualitas Kredit (%)

Kredit Berdasarkan Sektor Ekonomi

Loan Based on Economic Sector

#FSEBTBSLBOTFLUPSFLPOPNJ LPOUSJCVTJUFSCFTBSNBTJICFSBTBM EBSJ TFLUPS QFSEBHBOHBO  KBTBKBTB EVOJB VTBIB  LPOTUSVLTJ  JOEVTUSJ  EBO QFSUBOJBO 4FLUPS QFSEBHBOHBO CFSLPOUSJCVTJ TFCFTBS   EJCBOEJOHLBO UBIVO  TFCFTBS    KBTBKBTBEVOJBVTBIBTFCFTBS EJCBOEJOHLBOUBIVO TFCFTBS    LPOTUSVLTJ TFCFTBS   EJCBOEJOHLBO UBIVO  TFCFTBS    EBO *OEVTUSJ TFCFTBS  EJCBOEJOHLBO UBIVO  TFCFTBS    QFSUBOJBO TFCFTBS   EJCBOEJOHLBOUBIVOTFCFTBS EBOMBJOMBJOTFCFTBS  

#BTFE PO UIF FDPOPNJD TFDUPS  UIF MBSHFTU DPOUSJCVUJPO TUJMM DPNFT GSPN USBEF  CVTJOFTT TFSWJDFT  DPOTUSVDUJPO  JOEVTUSZ  BOEBHSJDVMUVSF5SBEFTFDUPSBDDPVOUFEGPSDPNQBSFEUP XIJDIBNPVOUFEUP CVTJOFTTTFSWJDFTCZ DPNQBSFE UP  XIJDI BNPVOUFE UP   DPOTUSVDUJPO CZ  DPNQBSFE UP  XIJDI BNPVOUFE UP  BOE *OEVTUSZCZDPNQBSFEUPXIJDIBNPVOUFEUP  BHSJDVMUVSF CZ  DPNQBSFE UP  XIJDI BNPVOUFE UP BOEPUIFSTBU

,SFEJU#FSEBTBSLBO4FLUPS&LPOPNJ -PBO#BTFEPOUIF&DPOPNJD4FDUPS  

 

       

 

74,36%

   

Uraian (Rp Juta) 1FSUBOJBO 1FSUBNCBOHBO *OEVTUSJ -JTUSJL HBTEBOBJS

1FSUBOJBO "HSJDVMUVSF

1FSEBHBOHBO 5SBEF

1FSUBNCBOHBO .JOJOH

1FOHBOHLVUBOEBO1FSHVEBOHBO 5SBOTQPSUBUJPOBOE8BSFIPVTF

*OEVTUSJ *OEVTUSZ

+BTBKBTBEVOJBVTBIB #VTJOFTT4FSWJDF

-JTUSJL (BTEBO"JS &MFDUSJD (BTBOE8BUFS

+BTBKBTBTPTJBM 4PDJBM4FSWJDF

,POTUSVLTJ $POTUSVDUJPO

-BJOMBJO 0UIFST

31 Desember/December 31 2010

2011

2012

2013

2014

(Rp Million) Description





















"HSJDVMUVSF .JOJOH











*OEVTUSZ











&MFDUSJD (BTBOE8BUFS











$POTUSVDUJPO











5SBEF











5SBOTQPSUBUJPOBOE8BSFIPVTF











#VTJOFTT4FSWJDF











4PDJBM4FSWJDF

-BJOMBJO











0UIFST

+VNMBI











5PUBM



 

 

 

  

1SPWJTJPOJOH











5PUBM-PBOT

,POTUSVLTJ 1FSEBHBOHBO 1FOHBOHLVUBOEBO1FSHVEBOHBO +BTBKBTBEVOJBVTBIB +BTBKBTBTPTJBM

1FOZJTJIBO,FSVHJBO +VNMBILSFEJUZBOHEJCFSJLBOo(SPTT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

216

TINJAUAN KEUANGAN

Kredit Bermasalah

Non Performing Loan

5PUBM LSFEJU CFSNBTBMBI Non-Performing Loan BUBV /1- Gross UFSLFOEBMJEJLJTBSBOTFCFTBS3Q USJMJVOEJUBIVO  EJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO 4FIJOHHBCJMBEJUJOKBVEBSJSBTJP/1-UFSIBEBQUPUBMLSFEJUZBOH EJTBMVSLBO  SBTJP LVBMJUBT LSFEJU CFSNBTBMBI NFOJOHLBU ZBOH NFSVQBLBOTBMBITBUVEBNQBLFLPOPNJHMPCBMEBOOBTJPOBM TFQBOKBOH  TFCBHBJNBOB EJUVOKVLLBO PMFI SBTJP /1- CSVUPTFCFTBS EJUBIVOEJCBOEJOHLBOUBIVO TFCFTBS   VOUVL NFNQFSCBJLJ IBM UFSTFCVU 1FSTFSPBO CFSVQBZB NFOJOHLBULBO GVOHTJ QFOBHJIBO  NFMBLVLBO SFTUSVLUVSJTBTJLSFEJU TFSUBNFMBLVLBOQFOKVBMBOBHVOBO

5PUBM /PO1FSGPSNJOH -PBO /1-(SPTT  XBT NBJOUBJOFE JO UIF 3Q USJMMJPO SBOHF JO  DPNQBSFE UP  XIJDI BNPVOUFE UP 3Q  USJMMJPO 5IVT  JG WJFXFE GSPN UIF /1- SBUJP UP UPUBM MPBOT  UIF RVBMJUZ SBUJP PG OPOQFSGPSNJOH MPBO JODSFBTFE XIJDIJTPOFPGUIFHMPCBMBOEOBUJPOBMFDPOPNJD JNQBDUUISPVHIPVUBTJOEJDBUFECZUIFHSPTT/1-SBUJPPG JODPNQBSFEUPXIJDIBNPVOUFEUP  UP SFTPMWF UIJT JTTVF  UIF DPNQBOZ TFFLT UP JNQSPWF UIF GVODUJPOPGCJMMJOH DSFEJUSFTUSVDUVSJOH BTXFMMBTDPOEVDUJOH TBMFTPODPMMBUFSBM

Uraian

2013

2014

GROWTH

,POTVNFS

 

0,08%

 

.JLSP

 

22,7%

 

.JDSP

 

11,3%

 

$PNNFSDJBM

,PNFSTJBM ,13 Total

Description $POTVNFS



5,1%

 

)PVTJOH-PBO

2,8%

4,1%

1,3%

Total

Kredit Bermasalah

Kredit Bermasalah

/PO1FSGPSNJOH-PBO

/PO1FSGPSNJOH-PBO

 

  ,POTVNFS $POTVNFS



.JLSP .JDSP

2013

-BODBS %BMBNQFSIBUJBOLIVTVT

 

,13 )PVTJOH-PBO

 

2011

2012

2013

,PNFSTJBM $PNNFSDJBM ,13 )PVTJOH-PBO

 

31 Desember/December 31 2010

,POTVNFS $POTVNFS .JLSP .JDSP

2014

,PNFSTJBM $PNNFSDJBM

 

Uraian (Rp Juta)

 

(Rp Million) Description

2014











$VSSFOU











4QFDJBMNFOUJPO

,VSBOHMBODBS











4VCTUBOEBSE

%JSBHVLBO











%PVCUGVM











-PTT











-PBOTo(SPTT

.BDFU +VNMBILSFEJUZBOHEJCFSJLBOo(SPTT 1FOZJTJIBO,FSVHJBO +VNMBILSFEJUZBOHEJCFSJLBOo#FSTJI

Uraian (Rp Juta) /1-(SPTT 3Q+VUB

 



 

 

 

"MMPXBODF'PS-PTTFT











-PBOTo/FUUP

31 Desember/December 31 2010*)

2011**)

2012**)

2013

2014*)

(Rp Million) Description











3BTJP/1-(SPTT

 

 

 

 

 

3BTJP/1-(SPTT

/1-/FUUP 3Q+VUB











3Q.JMMJPO /1-/FUUP

bank bjb Laporan Tahunan 2014

3Q.JMMJPO /1-(SPTT

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

217 FINANCIAL REVIEW

31 Desember/December 31

Uraian (Rp Juta)

2010*)

3BTJP/1-/FUUP 3Q+VUB

+VNMBILSFEJUZBOHEJCFSJLBOo(SPTT

2011**)

2012**)

Cadangan

2014*)

(Rp Million) Description

 

 

 

 

 

3Q.JMMJPO 3BTJP/1-/FUUP











-PBOT(SPTT

$BUBUBO  1FSIJUVOHBOSBTJP/1-VOUVL%FTFNCFS NFOHBDVQBEB4&#* /PNPS%1/1UBOHHBM.BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJO CVLBONFSVQBLBOLPNQPOFOSBTJP/1-VOUVL%FTFNCFS   QFSIJUVOHBOSBTJP/1-NFOHBDVQBEB4&#*/PNPS%1/1UBOHHBM .BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJONFSVQBLBOLPNQPOFOQBEB QFSIJUVOHBOSBTJP/1-

Penyisihan (CKPN)

2013

Kerugian

Penurunan

Nilai

/PUF  /1-SBUJPDBMDVMBUJPOGPS%FDFNCFS BOE SFGFSTUP4& #* /P %1/1 EBUFE .BSDI     JO XIJDI MPBOT UP PUIFS CBOLT BSF OPU B DPNQPOFOU JO UIF DBMDVMBUJPO PG /1- SBUJP 'PS %FTFNCFS   BOE /1-SBUJPDBMDVMBUJPOSFGFST UP4&#*/P%1/1EBUFE.BSDI  JOXIJDIMPBOTUP PUIFSCBOLTDPOTUJUVUFBDPNQPOFOUPGUIFDBMDVMBUJPOPG/1-SBUJP

Allowance of Impairment Losses Reserve (CKPN)

$BEBOHBO LFSVHJBO QFOVSVOBO OJMBJ QBEB CVMBO %FTFNCFS  BEBMBI TFCFTBS 3Q  USJMJVO BUBV OBJL TFCFTBS   EJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBO DBEBOHBO LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ EJLBSFOBLBO CFCFSBQB IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO LFSVHJBO  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBO $,1/ JOJ UFSVUBNB EJTFCBCLBO PMFI QFSUVNCVIBO QPSUPGPMJP LSFEJU TFCFTBS   NFOKBEJ 3Q  USJMJVO EJ UBIVO  TFEBOHLBOQBEBUBIVOTFCFTBS3Q USJMJVO EJNBOB QFSIJUVOHBO$,1/UFMBITFKBMBOEBOCFSEBTBSLBOQFOFSBQBO 14", SFWJTJ EBO14", SFWJTJ 

"MMPXBODFGPSJNQBJSNFOUMPTTFTJO%FDFNCFSBNPVOUFE UP3QUSJMMJPO BOJODSFBTFPGDPNQBSFEUP XIJDIBNPVOUFEUP3QUSJMMJPO5IFJODSFBTFJOBMMPXBODF GPSJNQBJSNFOUMPTTFTPDDVSSFEEVFUPTFWFSBMUIJOHT OBNFMZ UIFBMMPXBODFGPSMPTTFTJOXIJDIBNPVOUFEUP3Q USJMMJPO 5IF JODSFBTF JO $,1/ JT NBJOMZ EVF UP UIF HSPXUI PG UIFMPBOQPSUGPMJPCZUP3QUSJMMJPOJO XIJMF JO  JU BNPVOUFE UP 3Q CJMMJPO  JO XIJDI UIF $,1/ DBMDVMBUJPOT BSF DPOTJTUFOU BOE CBTFE PO UIF BQQMJDBUJPO PG 4'"4 SFWJTJPO BOE4'"4 SFWJTJPO 

Kredit yang Mengalami Penurunan Nilai

Loans Experiencing Impairment Losses

+VNMBI ,SFEJU ZBOH .FOHBMBNJ 1FOVSVOBO /JMBJ CVMBO %FTFNCFS  BEBMBI TFCFTBS 3Q  USJMJVO BUBV NFOJOHLBU TFCFTBS   EJCBOEJOHLBO UBIVO TFCFMVNOZB  TFCFTBS 3Q  USJMJVO 1FOJOHLBUBO DBEBOHBO LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ EJLBSFOBLBO CFCFSBQB IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO LFSVHJBO  TFCFTBS 3Q USJMJVO

5PUBM -PBOT &YQFSJFODJOH *NQBJSNFOU -PTTFT JO %FDFNCFS  BNPVOUFE UP 3Q CJMMJPO PS BO JODSFBTF PG  DPNQBSFEUPUIFQSFWJPVTZFBSJOUIFBNPVOUPG3Q CJMMJPO5IFJODSFBTFJOBMMPXBODFGPSJNQBJSNFOUMPTTFTIBWF PDDVSSFE EVF UP TFWFSBM UIJOHT  OBNFMZ UIF BMMPXBODF GPS MPTTFTJOXIJDIBNPVOUFEUP3QUSJMMJPO

TINJAUAN LIABILITAS

LIABILITIES REVIEW

Dana Pihak Ketiga

Third Party Funds

1FSVTBIBBO NFODBUBU UPUBM EBOB OBTBCBI TFCFTBS 3Q  USJMJVO"UBVNFOJOHLBUTFCFTBS EBSJUBIVOTFCFTBS 3Q  USJMJVO "EBQVO LPNQPTJTJ EBOB OBTBCBI BEBMBI   EBMBN CFOUVL HJSP    EBMBN CFOUVL UBCVOHBO EBO   EBMBN CFOUVL EFQPTJUP CFSKBOHLB 3BTJP %BOB .VSBI $"4"  NFOJOHLBU TFCFTBS   NFOKBEJ 3Q  USJMJVO EJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO EJTFCBCLBOPMFILFOBJLBOHJSPEBOUBCVOHBONBTJOHNBTJOH TFCFTBS   EBO   EJCBOEJOH UBIVO TFCFMVNOZB NFOKBEJ 3Q  USJMJVO EBO 3Q  USJMJVO EJ UBIVO  EJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO VOUVL

5IF $PNQBOZ SFDPSEFE UPUBM DVTUPNFS GVOET PG 3Q USJMMJPO0SBOJODSFBTFPGGSPNXIJDIBNPVOUFE UP 3Q CJMMJPO 5IF DPNQPTJUJPO PG DVTUPNFS GVOET JT  JO UIF GPSN PG EFNBOE EFQPTJUT   JO TBWJOHT  BOEJOUJNFEFQPTJUT$"4"SBUJPJODSFBTFECZ UP 3Q CJMMJPO DPNQBSFE UP  XIJDI BNPVOUFE UP 3Q CJMMJPO EVF UP UIF JODSFBTF JO EFNBOE EFQPTJUT BOETBWJOHTCZBOESFTQFDUJWFMZDPNQBSFEUP UIFQSFWJPVTZFBSUP3QUSJMMJPOBOE3QUSJMMJPOJO  DPNQBSFEUPXIJDIBNPVOUFEUP3QUSJMMJPO GPSEFNBOEEFQPTJUTBOE3QUSJMMJPOGPSTBWJOHT XIJDI

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

218

TINJAUAN KEUANGAN

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

BMTP DPOUSJCVUFE UP UIF HSPXUI JO UPUBM DVTUPNFS GVOET 8JUI UIF EFDSFBTF JO UJNF EFQPTJUT DPNQBSFE UP UIF JODSFBTF JO MPXDPTUGVOET JO UIFSBUJPPGMPXDPTUGVOETXJUIUPUBM DVTUPNFS GVOET BMTP JODSFBTFE 5IF JODSFBTF PG $"4" SBUJP JT JO MJOF XJUI UIF DIBOHF JO UIF DFOUSBM HPWFSONFOU QPMJDZ SFHBSEJOHMPDBMUBYFT JODMVEJOHQBZNFOUTPGMBOEBOECVJMEJOH UBY 1## BOENPUPSWFIJDMFUBY XIJDISFRVJSFTBMMQBZNFOUT QBJEUISPVHI3FHJPOBM%FWFMPQNFOU#BOL

Jumlah Giro, Tabungan & Deposito Berjangka

Jumlah Giro, Tabungan & Deposito Berjangka

5PUBMPG$VSSFOU"DDPVOU 4BWJOH"DDPVOU5JNF%FQPTJUT

5PUBMPG$VSSFOU"DDPVOU 4BWJOH"DDPVOU5JNF%FQPTJUT 

 





40,62%  

(JSP $VSSFOU"DDPVOU

(JSP $VSSFOU"DDPVOU

5BCVOHBO 4BWJOH"DDPVOU

%FQPTJUP#FSKBOHLB 5JNF%FQPTJUT

%FQPTJUP#FSKBOHLB 5JNF%FQPTJUT

5BCVOHBO 4BWJOH"DDPVOU

31 Desember/December 31 Uraian (Rp Juta)

(Rp Million) Description 2010

(JSP 5BCVOHBO



2011 

2012

2013



2014





$VSSFOU"DDPVOU











4BWJOHT"DDPVOU

%FQPTJUP#FSKBOHLB











5JNF%FQPTJUT

Jumlah Simpanan Nasabah

31.953.462

39.042.777

47.632.863

47.220.701

53.487.890

Total Saving

Dana Pihak Ketiga Berdasarkan Mata Uang

Third Party Funds Based on Currency

#JMB EJLFMPNQPLLBO CFSEBTBSLBO KFOJT NBUB VBOH  NBLB EBOB OBTBCBI EBMBN NBUB VBOH 3VQJBI NFNJMJLJ LPOUSJCVTJ TFCFTBS    EJJLVUJ PMFI EBOB OBTBCBI EBMBN NBUB VBOHBTJOHTFCFTBS EBSJUPUBMOBTBCBIEJUBIVO %JCBOEJOHLBO UBIVO   EBOB OBTBCBI EBMBN NBUB VBOH 3VQJBI NFOHBMBNJ LFOBJLBO TFCFTBS 3Q NJMJBS BUBV  NFOKBEJ3Q USJMJVOEJUBIVOEJCBOEJOHLBO UBIVO  TFCFTBS 3Q  USJMJVO EBO EBOB OBTBCBI EBMBN NBUB VBOH BTJOH KVHB NFOHBMBNJ QFOVSVOBO   EBSJ3QNJMJBSEJUBIVONFOKBEJ3QNJMJBS

"SSBOHFECZUZQFPGDVSSFODZ DVTUPNFSGVOETEFOPNJOBUFE JO3VQJBIIBTBDPOUSJCVUJPOPG GPMMPXFECZDVTUPNFS GVOET JO GPSFJHO DVSSFODJFT BNPVOUJOH UP  PG UIF UPUBM DVTUPNFSGVOETJO$PNQBSFEUP DVTUPNFSGVOET EFOPNJOBUFE JO 3VQJBI JODSFBTFE CZ 3Q  CJMMJPO PS UP3QCJMMJPOJODPNQBSFEUPXIJDI BNPVOUFEUP3QUSJMMJPOBOEDVTUPNFSGVOETJOGPSFJHO DVSSFODJFTEFDSFBTFECZGSPN3QCJMMJPOJOUP 3QCJMMJPO

Tabungan

Savings

1SPEVL UBCVOHBO TFCBHBJ  TBMBI TBUV QSPEVL VOUVL NFOHIJNQVOEBOBOBTBCBITFDBSBMBOHTVOHZBOHNFOJOHLBU TFCFTBS 3Q NJMJBS BUBV   NFOKBEJ 3Q  USJMJVO

4BWJOHT QSPEVDUT BT POF PG UIF QSPEVDUT UIBU EJSFDUMZ SBJTF DVTUPNFST GVOET JODSFBTFE CZ 3Q CJMMJPO PS  UP 3Q CJMMJPO GSPN 3Q CJMMJPO BT PG  %FDFNCFS

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

219 FINANCIAL REVIEW

EBSJ 3Q  USJMJVO QFS  %FTFNCFS   UJEBL UFSMFQBT EBSJ LFCFSIBTJMBO 1FSVTBIBBO EBMBN NFOHJNQMFNFOUBTJLBO TBMBI TBUV EBSJ &OBN 1JMBS 4USBUFHJ 6UBNB   ZBLOJ QFOJOHLBUBOEBOBNVSBI $"4" #FSCBHBJQSPNPTJ JOPWBTJ QSPEVLUBCVOHBOEBOQFMVODVSBOQSPEVLCBSVEJUBIVO UFMBI NFOVOKVLLBO IBTJM ZBOH NFOHHFNCJSBLBO 4BMBI TBUV QSPHSBN ZBOH NFOEBQBU TBNCVUBO IBOHBU EBSJ NBTZBSBLBU BEBMBI .FOZFMFOHHBSBLBO 1SPHSBN 1SPNPTJ 5BCVOHBO TFCBHBJNBOBCFSJLVU t 1SPHSBN1FUJL)BEJBICBOLbjb t 1SPHSBN CFSIBEJBI MBOHTVOH bjb 5BOEBNBUB #FSKBOHLB QFSJPEF** +VMJTBNQBJEFOHBO%FTFNCFS

t 1SPHSBN(FCZBS"LIJS5BIVO #VOHB5BCVOHBO4FUJOHLBU %FQPTJUP

t 1SPHSBN)BEJBI4BOH+VBSB bjbUBOEBNBUB.Z'JSTU

4FMBJO UFSTFCVU CBOL bjb KVHB EBMBN LFHJBUBO QFNBTBSBO QSPEVLNFMBLVLBOCFLFSKBTBNBEFOHBOCFCFSBQBJOTUBOTJ t %FOHBO ,FNFOEJLCVE EBMBN IBM QFOZBMVSBO EBOB UVOKBOHBOHVSV TFSUJmLBTJ TFOJMBJ3QUSJMJVOEBMBNLVSVO XBLUVUBIVO t ,FSKB TBNB EFOHBO %JTEJL 1SPWJOTJ +BCBS EBO #BOUFO UFSLBJU EFOHBO QFOZBMVSBO EBOB CBOUVBO PQFSBTJPOBM TFLPMBITFOJMBJ3Q USJMJVOEBMBNLVSVOXBLUV t ,FSKB TBNB EFOHBO %JTEJL 1SPW +BCBS UFSLBJU EFOHBO QFOZBMVSBO#BOUVBO4PTJBM#VLVTFOJMBJ3Q NJMJBS t ,FSKB TBNB EFOHBO %JTEJL 1SPW +BCBS UFSLBJU EFOHBO QFOZBMVSBO #BOUVBO 4PTJBM 1FOEBNQJOHBO TFOJMBJ 3Q NJMJBS t ,FSKB TBNB EFOHBO 15 5BTQFO 1FSTFSP  EBMBN IBM QFNCBZBSBO UBCVOHBO IBSJ UVB  UBCVOHBO IBSJ UVB .VMUJHVOB EBO QFOTJVO NFMBMVJ SFLFOJOH CBOL 5PUBM QFOZBMVSBO EBOB QFOTJVO TFMBNB UBIVO  BEBMBI TFCFTBS3Q NJMJBS

  DBO OPU CF TFQBSBUFE GSPN UIF $PNQBOZT TVDDFTT JO JNQMFNFOUJOH POF PG UIF  4JY .BJO 4USBUFHZ 1JMMBST  OBNFMZ UIF JODSFBTF JO MPXDPTU GVOET $"4"  7BSJPVT QSPNPUJPOT  TBWJOHT QSPEVDU JOOPWBUJPOT BOE OFX QSPEVDU MBVODIFTJOIBWFTIPXOFODPVSBHJOHSFTVMUT0OFPGUIF QSPHSBNTUIBUSFDFJWFEBXBSNXFMDPNFGSPNUIFDPNNVOJUZ JTPSHBOJ[JOH4BWJOHT1SPNPUJPO1SPHSBNBTGPMMPXT

t 1FUJL)BEJBICBOLbjbQSPHSBN t bjb5BOEBNBUB#FSKBOHLBQFSJPE**EJSFDUSFXBSEQSPHSBN +VMZUP%FDFNCFS

t (FCZBS"LIJS5BIVOQSPHSBN 4BWJOHT*OUFSFTUJOUIFTBNF -FWFMXJUI%FQPTJU*OUFSFTU

t )BEJBI4BOH+VBSB bjbUBOEBNBUB.Z'JSTU QSPHSBN *O BEEJUJPO  JO QSPEVDU NBSLFUJOH BDUJWJUZ  CBOL bjb BMTP DPOEVDUDPPQFSBUJPOTXJUITFWFSBMBHFODJFT t 8JUI .JOJTUSZ PG &EVDBUJPO BOE $VMVUSF JO UIF EJTUSJCVUJPO PGBMMPXBODFTPGUFBDIFSTGVOET DFSUJmFE JOUIFBNPVOU 3QUSJMMJPOJOUIFQFSJPE t $PPQFSBUJPOXJUIUIF&EVDBUJPO%FQBSUNFOUPG8FTU+BWB BOE#BOUFO1SPWJODFSFMBUFEUPUIFEJTUSJCVUJPOPGTDIPPM PQFSBUJPOTGVOETJOUIFBNPVOUPG3QUSJMMJPOJOUIF QFSJPE t $PPQFSBUJPO XJUI UIF &EVDBUJPO %FQBSUNFOU PG 8FTU +BWB 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG #PPL 4PDJBM "TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO t $PPQFSBUJPOXJUIUIF&EVDBUJPO%FQBSUNFOUPG8FTU+BWB 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG .FOUPSJOH 4PDJBM "TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO t $PPQFSBUJPO XJUI 15 5"41&/ 1FSTFSP  JO UFSNT PG UIF QBZNFOUT PG SFUJSFNFOU QMBO  .VMUJHVOB BOE QFOTJPO SFUJSFNFOU QMBO UISPVHI UIF CBOLT BDDPVOUT 5IF UPUBM EJTUSJCVUJPO PG QFOTJPO GVOET EVSJOH  XBT JO UIF BNPVOUPG3QCJMMJPO

Tren Pertumbuhan Tabungan bank bjb Periode 2012 s.d 2014 5SFOE(SPXUI4BWJOHTCBOLbjbQFSJPEVOUJM Bulan/Month 5BCVOHBO4BWJOHT 1FSUVNCVIBO(SPXUI 5BCVOHBO4BWJOHT 1FSUVNCVIBO(SPXUI 5BCVOHBO4BWJOHT 1FSUVNCVIBO(SPXUI Tabungan/Savings 2014 Pertumbuhan/Growth 2014 Rata-Rata Pertumbuhan/ Average Growth

1 

2 

3 

4 

5 

6 

7 

8 

9 

10 

11 

12 

 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

220

TINJAUAN KEUANGAN

Tren Tabungan/Trend of Savings          Jan

Feb

Mar

Apr

May

Jun

Tabungan/Savings 2012

Jul

Aug

Sep

Tabungan/Savings 2013

Oct

Nov

Dec

Tabungan/Savings 2014

Giro

Demand Deposits

(JSPNFOJOHLBUTFCFTBS3Q USJMJVOBUBV NFOKBEJ 3Q  USJMJVO EJ UBIVO  EBSJ TFCFMVNOZB TFCFTBS 3Q  USJMJVO EJUBIVO  LFOBJLBO JOJ UFSMFQBT EBSJ LFCJKBLBO QFNFSJOUBI EBFSBI ZBOH NFOHJOTUSVLTJLBO XBKJC QBKBL VOUVL NFMBLVLBO QFNCBZBSBO QBKBL CVNJ CBOHVOBO EBOLFOEBSBBOCFSNPUPSNFMBMVJCBOLQFNCBOHVOBOEBFSBI

%FNBOE EFQPTJUT JODSFBTFE CZ 3Q USJMMJPO PS  UP 3Q CJMMJPO JO  DPNQBSFE UP UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 3Q CJMMJPO JO  UIJT JODSFBTF JT SFHBSEMFTT UP UIF MPDBM HPWFSONFOU QPMJDZ UIBU JOTUSVDUT UBY QBZFST UP QBZ MBOE BOE CVJMEJOH BOE NPUPS WFIJDMF UBYFT UISPVHIUIFSFHJPOBMEFWFMPQNFOUCBOL

Tren Pertumbuhan Giro Konsumer bank bjb Periode 2012 s.d 2014 (SPXUI5SFOEPG$POTVNFS%FNBOE%FQPTJUTPGCBOLTbjbQFSJPEVOUJM

Bulan/Month (JSP%FNBOE%FQPTJUT

1

2



3



4



5



6





7

8





9

10





11 

12 

1FSUVNCVIBO(SPXUI

 

 

 

 

 

 

 

 

 

 

 

 

(JSP%FNBOE%FQPTJUT

























1FSUVNCVIBO(SPXUI

 

 

 

 

 

 

 

 

 

 

 

 

Giro/Demand Deposits 2014

203.681

182.649

214.109

197.218

218.156

231.064

200.232

209.002

216.075

193.887

187.552

330.841

Pertumbuhan/Growth 2014

-40,00%

-10,33%

17,22%

-7,89%

10,62%

5,92%

-13,34%

4,38%

3,38%

-10,27%

-3,27%

76,40%

Rata-Rata Pertumbuhan/ Average Growth

-39,95%

-1,68%

-1,90%

-2,39%

5,15%

19,50%

-7,24%

11,14%

13,57%

-17,05%

0,31%

82,56%

Tren Giro Non-Konsumer/ Demand Deposits Non-Consumer Trend         Jan

Feb

Mar

Apr

Giro/Demand Deposits 2012

bank bjb Laporan Tahunan 2014

May

Jun

Jul

Giro/Demand Deposits 2013

Aug

Sep

Oct

Nov

Giro/Demand Deposits 2014

Dec

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

221 FINANCIAL REVIEW

Trend Pertumbuhan Giro Non Konsumer bank bjb Periode 2012 s.d 2014 (SPXUI5SFOEPG/PO$POTVNFS%FNBOE%FQPTJUTPGCBOLTCKCQFSJPEVOUJM Bulan/Month (JSP%FNBOE%FQPTJUT 1FSUVNCVIBO(SPXUI (JSP%FNBOE%FQPTJUT 1FSUVNCVIBO(SPXUI Giro/Demand Deposits 2014

1

2





3

4

5

6

7

8

9

10

11

12





















 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

Rata-Rata Pertumbuhan/ Average Growth

 

 

 

 

 

 

 

 

 

 

 

 

Proyeksi/Projection 2015

























Pertumbuhan/Growth 2014

 3FBMJTBTJ+VMJEJUBNCBILBOEFOHBO%"6ZBOHNBTVLQBEBBXBM"HVTUVT  "DUVBM+VMZJTBEEFEUPUIFJODPNJOH%"6BUUIFCFHJOOJOHPG"VHVTU

Trend Giro non-Konsumer/ Demand Deposits Non-Consumer Trend 







 Jan

Feb

Giro/Demand Deposits 2012

Mar

Apr

May

Giro/Demand Deposits 2013

Jun

Jul

Aug

Sep

Giro/Demand Deposits 2014

Oct

Nov

Dec

Giro/Demand Deposits 2015

Deposito

Time Deposits

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

 USFO TVLV CVOHB %1, QFSCBOLBO IJOHHB QPTJTJ+VMJNBTJIUFSVTNFOJOHLBUEBOUFMBICFSBEBEJBUBT TVLV CVOHB BDVBO #*    EBO TVLV CVOHB QFOKBNJOBO -14   4VLVCVOHBLSFEJUKVHBUFSVTNFOJOHLBUTFCBHBJ EBNQBL EBSJ NFOJOHLBUOZB TVLV CVOHB %1,  ZBOH QBEB HJMJSBOOZB NFNJMJLJ QFOHBSVI LFQBEB UJOHLBU QFSUVNCVIBO LSFEJUTFDBSBOBTJPOBM

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

UIFJOUFSFTUSBUFTUSFOEGPS CBOLJOHTUISJEQBSUZGVOETVQUPBQPTJUJPOJO+VMZIBT DPOUJOVFEUPJODSFBTFBOEBCPWFUIF#*TCFODINBSLJOUFSFTU SBUF  BOE-14JOUFSFTUSBUF  -FOEJOHSBUFTBMTP DPOUJOVFEUPJODSFBTFBTUIFJNQBDUPGSJTJOHJOUFSFTUSBUFTJO UIJSEQBSUZGVOET XIJDIJOUVSOIBTBOJOnVFODFPOUIFMFWFMPG DSFEJUHSPXUIOBUJPOBMMZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

222

TINJAUAN KEUANGAN

Tren Pertumbuhan Deposito Konsumer bank bjb Periode 2012 - 2014 (SPXUI5SFOEPG$POTVNFS5JNF%FQPTJUTPGCBOLbjb1FSJPE Bulan/Month %FQPTJUP5JNF%FQPTJUT

1

1FSUVNCVIBO(SPXUI %FQPTJUP5JNF%FQPTJUT 1FSUVNCVIBO(SPXUI Deposito/Time Deposits 2014

Proyeksi/Projection 2015

3



4





5

6



7



8



9



10





11 

12 

 

 

 

 

 

 

 

 

 

 

 

 

























 

 

 

 

 

 

 

 

 

 

 

 

3.844.195

4.074.191

4.258.607

4.137.339

3.992.868

3.824.381

3.691.295

3.980.057

4.033.140

3.898.788

3.906.235

4.149.917

2,20%

5,98%

4,53%

-2,85%

-3,49%

-4,22%

-3,48%

7,82%

1,33%

-3,33%

0,19%

6,24%

-1,06%

-2,60%

-2,13%

1,65%

-3,84%

-2,25%

-3,07%

2,23%

3,36%

2,03%

3,15%

11,72%

4.063.649

4.489.330

4.876.905

4.610.451

4.490.666

4.271.588

4.137.292

4.607.588

4.641.700

4.356.799

4.322.696

4.454.726

Pertumbuhan/Growth 2014 Rata-rata Pertumbuhan/ Average Growth

2



Tren Deposito Konsumer/ Trend of Consumer Time Deposits         Jan

Feb

Mar

Deposito/Time Deposits 2012

Apr

May

Jun

Deposito/Time Deposits 2013

Jul

Aug

Sep

Oct

Deposito/Time Deposits 2014

Nov

Dec

Proyeksi/Projection 2015

Trend Pertumbuhan Deposito Non Konsumer bank bjb Periode 2012 - 2014 (SPXUI5SFOEPG/PO$POTVNFS5JNF%FQPTJUTPGCBOLbjb1FSJPE Bulan/Month %FQPTJUP5JNF%FQPTJUT 1FSUVNCVIBO(SPXUI %FQPTJUP5JNF%FQPTJUT

1

2

3

4

5

6

7

8

9

10

11

12

























 

 

 

 

 

 

 

 

 

 

 

 

























1FSUVNCVIBO(SPXUI

 

 

 

 

 

 

 

 

 

 

 

 

21.702.464

25.732.200

28.211.018

31.602.396

29.212.160

24.704.067

26.980.315

29.173.744

24.013.650

28.946.527

28.316.211

14.888.904

Pertumbuhan/Growth 2014

43,04%

18,57%

9,63%

12,02%

-7,56%

-15,43%

9,21%

8,13%

-17,69%

20,54%

-2,18%

-47,42%

Rata-rata Pertumbuhan/ Average Growth

11,73%

9,45%

7,85%

10,66%

2,29%

-6,35%

1,11%

-2,21%

-0,88%

14,35%

-5,32%

-33,36%

Deposito/Time Deposits 2014

Tren Deposito Non-Konsumer /Trend of Non Consumer Time Deposits            Jan

Feb

Mar

Apr

Deposito/Time Deposits 2012

bank bjb Laporan Tahunan 2014

May

Jun

Jul

Deposito/Time Deposits 2013

Aug

Sep

Oct

Nov

Deposito/Time Deposits 2014

Dec

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

223 FINANCIAL REVIEW

Program 5BCVOHBO)BSJ5VB 5BCVOHBO)BSJ5VB.VMUJHVOBEBO 1FOTJVO #BOUVBO0QFSBTJPOBM4FLPMBI #04

#BOUVBO4PTJBM#VLV #BOUVBO4PTJBM1FOEBNQJOHBO %BOB4FSUJmLBTJ(VSV

Uraian

Realisasi Dana pada tahun 2014 (Rp) Funds Realization on 2014 (Rp)  USJMJVO  USJMJVO  NJMJBS  NJMJBS USJMJVO

Programs 4BWJOHT3FUJSFNFOU 3FUJSFNFOU4BWJOHTBOE3FUJSFNFOU .VMUJQVSQPTF 4DIPPM0QFSBUJPOBM"TTJTUBODF #04

4PDJBM)FMQ#PPLT 4PDJBM"TTJTUBODF 'VOE5FBDIFS$FSUJmDBUJPO

31 Desember/December 31 2010

2011

2012

2013

2014

Descriptions

Giro 3VQJBI .BUB6BOH"TJOH +VNMBI(JSP

  

  

  

  

  

Tabungan Rupiah 5BOEBNBUB 4JNQFEB 5BOEBNBUB)BKJ 5BOEBNBUB(PME 5BOEBNBUB#JTOJT 5BOEBNBUB#FSKBOHLB 5BCVOHBO8BEJBI 5BCVOHBO.VEIBSBCBI 5BCVOHBO,V 5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLVJ# 5BCVOHBO1FMBKBS 5BCVOHBO8BKJC,IVTVT 5BCVOHBO%JOBT*OTUBOTJ 5BCVOHBO.BTZBSBLBU 5BCVOHBO,PUBL 5BCVOHBO-BJOMBJO 5BCVOHBO5BNBTZB 5BCVOHBO"OBL4FLPMBI 5BCVOHBO.VEIBSBCBI 5BCVOHBO)BKJ.VEIBSBCBI 5BOEBNBUB%PMMBS +VNMBI5BCVOHBO

                      

                      

                      

                      

      

 

Savings Account - Rupiah 5BOEBNBUB 4JNQFEB 5BOEBNBUB)BKJ 5BOEBNBUB(PME 5BOEBNBUB#JTOJT 5BOEBNBUB#FSKBOHLB 5BCVOHBO8BEJBI 5BCVOHBO.VEIBSBCBI 5BCVOHBO,V 5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLVJ# 5BCVOHBO1FMBKBS 5BCVOHBO8BKJC,IVTVT 5BCVOHBO%JOBT*OTUBOTJ 5BCVOHBO.BTZBSBLBU 5BCVOHBO,PUBL 5BCVOHBO-BJOMBJO 5BCVOHBO5BNBTZB 5BCVOHBO"OBL4FLPMBI 5BCVOHBO.VEIBSBCBI 5BCVOHBO)BKJ.VEIBSBCBI 5BOEBNBUB%PMMBS 5PUBM4BWJOHT"DDPVOU

Deposito Berjangka 3VQJBI .BUB6BOH"TJOH +VNMBI%FQPTJUP#FSKBOHLB

  

  

  

  

  

Time Deposits 3VQJBI 'PSFJHO$VSSFODZ 5PUBM5JNF%FQPTJUT

Jumlah

31.953.462

39.042.777

50.607.925

47.220.701

53.487.890

Total

           

Demand Deposit 3VQJBI 'PSFJHO$VSSFODZ 5PUBM%FNBOE%FQPTJUT

ARUS KAS

CASH FLOWS

"SVT ,BT #FSTJI ZBOH EJQFSPMFI EBSJ BLUJWJUBT PQFSBTJ CBOL bjb TFMBNB UBIVO  NFODBQBJ 3Q   USJMJVO "SVT LBT UFSTFCVU UFSVUBNB EJHVOBLBO VOUVL QFOZBMVSBO LSFEJU EBO QFNCJBZBBO TZBSJBI TFCFTBS 3Q   USJMJVO  EJNBOB QFOZBMVSBO UFSTFCVU EJJNCBOHJ PMFI TJNQBOBO HJSP OBTBCBI TFCFTBS3Q USJMJVO%JUBNCBIEFOHBOTJNQBOBOMBJOOZB ZBJUV5BCVOHBOTFCFTBS3QNJMJBSEBO%FQPTJUP#FSKBOHLB 3Q USJMJVO UPUBMTJNQBOBOOBTBCBINFODBQBJ3Q  USJMJVO

/FUDBTInPXTGSPNPQFSBUJPOBMBDUJWJUJFTPGCBOLbjbEVSJOH  BNPVOUFE UP 3Q USJMMJPO $BTI nPXT XFSF NBJOMZ VTFEGPSDSFEJUEJTCVSTFNFOUBOETIBSJBmOBODJOHPG3Q USJMMJPO  DPNQFOTBUFE CZ SFDFJQU PG DVSSFOU BDDPVOU EFQPTJUT GSPNDVTUPNFSTPG3QUSJMMJPO8JUIUIFBEEJUJPOPGPUIFS DVTUPNFSEFQPTJUT OBNFMZTBWJOHTBDDPVOUTPG3QCJMMJPO BOE UJNF EFQPTJUT PG 3Q USJMMJPO  UPUBM DVTUPNFS EFQPTJU BNPVOUFEUP3Q USJMMJPO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

224

TINJAUAN KEUANGAN

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/FU DBTI nPXT GSPN JOWFTUNFOU BDUJWJUJFT BNPVOUFE UP 3Q USJMMJPO EPXOGSPNUIFDPSSFTQPOEJOHBNPVOUJO PG3QUSJMMJPO

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RASIO-RASIO

RATIOS

Rasio Kecukupan Modal (Capital Adequacy Ratio)

Capital Adequacy Ratio

%JUBIVO 1FSVTBIBBONFODBUBUSBTJPLFDVLVQBONPEBM LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN Capital Adequacy Ratio BUBV $"3  CFSVCBI UJEBL TJHOJmLBO EJ BOHLB   EJ  EBSJ   EJ UBIVO  "OHLB UFSTFCVU EJ BUBT LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN NFOVSVU #* ZBJUV TFCFTBS

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Financial Ratios

Rasio-rasio Keuangan Uraian

2010 (%)

2011 (%)

2012 (%)

2013 (%)

2014 (%)

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Marjin Pendapatan Bunga Bersih - Net Interest Margin (NIM)

Net Interest Margin (NIM)

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Imbal Hasil Rata-rata Ekuitas - Return On Equity

Return On Equity

Return On Equity 30&  QBEB UBIVO  NFOHBMBNJ QFOVSVOBO NFOKBEJ   EJCBOEJOHLBO UBIVO TFCFMVNOZB TFCFTBS   1FOVSVOBO UFSTFCVU UFSVUBNB EJTFCBCLBO PMFIBEBOZBQFOVSVOBOMBCBCFSTJITFCFTBS EJUBIVO 

3FUVSO 0O &RVJUZ 30&  JO  EFDSFBTFE UP  DPNQBSFE UP UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP  5IFEFDSFBTFXBTQSJNBSJMZEVFUPBEFDSFBTFJOOFUJODPNF CZJO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

225 FINANCIAL REVIEW

Imbal Hasil Aset - Return on Asset

Return on Asset

Return On Asset QBEB UBIVO  NFOVSVO TFCFTBS   NFOKBEJ EJCBOEJOHLBOUBIVOTFCFMVNOZBZBOHTFCFTBS  1FOJOHLBUBOUFSTFCVUEJTFCBCLBOPMFILFOBJLBOMBCB CFSTJIZBOHMFCJISFOEBIEJCBOEJOHLBOLFOBJLBOKVNMBIBTFU

3FUVSO PO "TTFUT JO  EFDSFBTFE CZ  UP  DPNQBSFEUPUIFQSFWJPVTZFBSXIJDIBNPVOUFEUP5IF JODSFBTF XBT EVF UP BO JODSFBTF JO OFU JODPNF UIBU JT MPXFS UIBOUIFJODSFBTFJOUPUBMBTTFUT

INFORMASI KEUANGAN BANK BJB 2014 YANG MENGANDUNG KEJADIAN LUAR BIASA

FINANCIAL INFORMATION OF CONTAINING UNUSUAL EVENTS

4FMBNB UBIVO  UJEBL UFSEBQBU LFKBEJBO MVBS CJBTB ZBOH CFSLBJUBOEFOHBOJOGPSNBTJLFVBOHBO

%VSJOH  UIFSF XFSF OP VOVTVBM FWFOUT SFMBUFE UP UIF mOBODJBMJOGPSNBUJPO

PENCAPAIAN TARGET 2014

2014 TARGET ACHIEVEMENT

4FMBNB UBIVO  QFODBQBJBO UBSHFU NFODBQBJ TFTVBJ EFOHBO IBSBQBO  TBMBI TBUV concern 1FSTFSPBO ZBLOJ QFOJOHLBUBO OJMBJ /1- ZBOH EBNQBLOZB QBEB QFOVSVOBO -BCB1FSTFSPBO

%VSJOH UBSHFUBDIJFWFNFOUJTJOMJOFXJUIUIFFYQFDUBUJPOT  POF PG UIF DPODFSOT PG UIF $PNQBOZ JT UIF JODSFBTJOH /1- XIJDINBZSFEVDFUIF$PNQBOZTQSPmUT

No.

Uraian



1FOEBQBUBO#VOHB



1FOEBQBUBO0QFSBTJPOBM4FMBJO#VOHB

Target 2014 (Rp miliar kecuali rasiorasio keuangan/ Rp billion except ÀQDQFLDOUDWLRV

Pencapaian Achievement 2014 Persentase Percentage

  9.501   8.241 1.260   

                 

    118,25%     121,66% 99,92%    

                

 

Total Pendapatan Operasional

8.035



#FCBO#VOHB





#FCBO6TBIBTFMBJO#FCBO#VOHB



Total Beban Usaha

6.774

Pendapatan Usaha Bersih

1.261



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3BTJP3BTJP,FVBOHBO



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Realisasi Realisation 2014 (Rp miliar kecuali rasiorasio keuangan/ Rp billion except ÀQDQFLDOUDWLRV

 

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BANK

BJB

Description

*OUFSFTU*ODPNF 0QFSBUJPOBM*ODPNF0UIFS5IBO*OUFSFTU Total Operational Income *OUFSFTU&YQFOTFT 0QFSBUJPOBM&YQFOTFT0UIFS5IBO*OUFSFTU Total Operational Expenses Net Operational Income *ODPNF#FGPSF5BY /FU*ODPNF 'JOBODJBM3BUJPT 

30" 30& /*. $PTUPG'VOE $PTUUP*ODPNF3BUJP (SPTT/1$SFEJU$PTU $"4"3BUJP $"3

INFORMASI KEUANGAN MATERIAL LAINNYA

OTHER MATERIAL FINANCIAL INFORMATION

Obligasi bank bjb yang Masih Beredar

Outstanding bank bjb Bonds

 0CMJHBTJ 7** CBOL bjb 5BIVO  EFOHBO KVNMBI QPLPL PCMJHBTJTFCFTBS3Q  TBUVUSJMJVOUVKVI SBUVTEVBQVMVIFNQBUNJMJBS3VQJBI 1FSJOHLBUJE""EBSJ 1FmOEP UFSEJSJEBSJ

 CBOL bjb #POE 7** PG  XJUI B UPUBM OPNJOBM WBMVF PG 3Q     POF USJMMJPO TFWFO IVOESFE BOE UXFOUZ GPVS CJMMJPO 3VQJBI  3BOLFE JE"" GSPN 1FmOEP  DPOTJTUJOHPG

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

226

TINJAUAN KEUANGAN

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Kemampuan Membayar Obligasi

Bonds Paying Ability

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Permodalan

Capitalization

Kebijakan atas Struktur Modal

Policy on Capital Structure

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

227 FINANCIAL REVIEW

%BMBN IBM QFOHHVOBBO EBOB DBEBOHBO  1FSTFSPBO XBKJC NFOZJTJILBO KVNMBI UFSUFOUV EBSJ MBCB CFSTJI TFUJBQ UBIVO CVLVVOUVLDBEBOHBOTFCBHBJNPEBM1FOZJTJIBOMBCBCFSTJI VOUVL DBEBOHBO EJMBLVLBO TBNQBJ DBEBOHBO NFODBQBJ QBMJOH TFEJLJU  EVB QVMVI QFSTFO  EBSJ KVNMBI NPEBM EJUFNQBULBOEBOEJTFUPS

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Struktur Modal

Capital Structure

.PEBMJOUJ1FSTFSPBOQBEBUBIVONFOHBMBNJQFOJOHLBUBO TFCFTBS   QBEB QPTJTJ 3Q  USJMJVO CJMB EJCBOEJOHLBO EFOHBO UBIVO  QBEB QPTJTJ 3Q  USJMJVO BUBV 'BLUPS QFOBNCBI LFOBJLBO TFCFTBS   BEBMBI EJBOUBSBOZB EJTFCBCLBOPMFIBEBOZBLFOBJLBODBEBOHBOVNVNTFCFTBS  EBSJ3Q USJMJVONFOKBEJ3Q USJMJVO

5IF DPNQBOZT DPSF DBQJUBM JO  JODSFBTFE CZ  BU 3QUSJMMJPODPNQBSFEUPBU3QUSJMMJPO5IFGBDUPS UIBU JODSFBTF UIF OVNCFS CZ  JT BNPOH PUIFST BO JODSFBTF JO UIF HFOFSBM SFTFSWFT BNPVOUJOH UP  GSPN 3QUSJMMJPOUP3QUSJMMJPO

Realisasi 31 Des 2013 (Rp Juta)

Realisasi 31 Des 2014 (Rp Million)



5.737.833

 .PEBM%JTFUPS



2.424.073

1BJE6Q$BQJUBM

$BEBOHBO5BNCBIBO.PEBM %JTDMPTFE3FTFSWFT



3.635.346

4VQQMFNFOUBM3FTFSWF$BQJUBM %JTDMPTFE3FTFSWFT



4.027.871



823.423

Pos - Pos I. KOMPONEN MODAL " .0%"-*/5*

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COMPONENTS OF CAPITAL

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2.652.671



551.777

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Accounts

4IBSF0QUJPOT$BO#F1VCMJTIFEJOUIF'SBNFXPSL 1SPHSBNNFGPS4UPDL#BTFE$PNQFOTBUJPO 



392.525

3FEVDUJPOGBDUPS %JTBHJP :FBS-PTT"OE8IBU:PV$BO$PVOUTZFBS 

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

228

TINJAUAN KEUANGAN

Pos - Pos

Realisasi 31 Des 2013 (Rp Juta)

Realisasi 31 Des 2014 (Rp Million)

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229 FINANCIAL REVIEW

Realisasi 31 Des 2013 (Rp Juta)

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Ikatan Material untuk Investasi Barang Modal

Material Commitments for Investment in Capital Goods

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Dewan Komisaris

Board of Commissioners

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231 FINANCIAL REVIEW

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Informasi dan Fakta Material yang Terjadi Setelah Tanggal Laporan Akuntan

Material Fact and Information Subsequent to Reporting Date

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Dividend Policy and Date

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Program Kepemilikan Saham oleh Karyawan dan Manajemen

Employee and Management Stock Ownership Program

PROGRAM EMSA

EMSA PROGRAM

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Jumlah Cabang/Unit Kerja

$BCBOH,POWFOTJPOBM

Jumlah Saham /VNCFSPG4IBSF -FNCBS4BIBN 4IBSFT

Nominal (Rp)

Jumlah Pemesan /VNCFSPG 4VCTDSJCFST

Total Branch/Business Unit













4IBSJB#SBODI

,BSZBXBO,BOUPS1VTBU







)FBE0GmDF&NQMPZFFT

Jumlah

77.267.000

46.360.200.000

1.566

Total

$BCBOH4ZBSJBI

$POWFOUJPOBM#SBODI

%BSJ TFMVSVI QFNFTBOBO TBIBN QSPHSBN &.4" UFSTFCVU EJ BUBT TFMVSVIOZBEBQBUEJQFOVIJPMFILead Underwriter

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

233 FINANCIAL REVIEW

Penggunaan Dana Penawaran Umum

Utilization of Public Offering Funds

#FSEBTBSLBO"LUB,FQVUVTBO3BQBU6NVN1FNFHBOH4BIBN -VBS #JBTB 15 #BOL 1FNCBOHVOBO %BFSBI +BXB #BSBU EBO #BOUFO  5CL /PNPS  UBOHHBM  "QSJM  ZBOH UFMBI EJCFSJUBIVLBO EFOHBO ,FQVUVTBO .FOUFSJ )VLVN EBO )BL "TBTJ .BOVTJB 3FQVCMJL *OEPOFTJB TFCBHBJNBOB EJNBLTVE EBMBN 4VSBU 1FOFSJNBBO 1FNCFSJUBIVBO /PNPS ")6 ") UBOHHBM   .FJ   EBMBN 3614 UFMBI EJQVUVT B  %FOHBO TVBSB CVMBU TFDBSB NVTZBXBSBI VOUVL NVGBLBU NFNVUVTLBONFOZFUVKVJEJKBEXBMLBOLFNCBMJQSPTFT*10 QBEBUBIVO C  1BTBMNFOHBUVSBOUBSBMBJO4BIBNCBOLbjbUFSEJSJEBSJ 4BIBN 4FSJ " ZBOH ,IVTVT EJNJMJLJ 1FNFSJOUBI 1VTBU  1FNFSJOUBI 1SPQJOTJ  ,PUB EBO ,BCVQBUFO  EBO 4BIBN 4FSJ# ZBOHEBQBUEJNJMJLJPMFI%JSFLTJ %FXBO,PNJTBSJT  ,BSZBXBO CBOL bjb  NBTZBSBLBU EBO QFNFSJOUBI  1FNFHBOH TBIBN TFSJ " EBO # NFNQVOZBJ IBL  ZBOH TBNB D  ,PNQPTJTJ CFTBSBO NPEBM VOUVL TFMVSVI TBIBN ZBOH EJUFNQBULBO BEBMBI  EFOHBO LFUFOUVBO CBUBT NBLTJNVN TBIBN TFSJ # BEBMBI  EBO TFMFCJIOZB NFSVQBLBOTBIBNTFSJ"

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Laporan Penggunaan Dana Hasil Penawaran Umum per 31 Desember 2014 3FQPSUPG1VCMJD0GGFSJOH'VOET6UJMJ[BUJPOBTPG%FDFNCFS

No.

Jenis Penawaran Umum Public Offering Type

Nilai Realisasi Hasil Penawaran Umum Actual Use of Funds Jumlah Biaya Tanggal Hasil Penawaran Efektif Penawaran Hasil Umum Effective Umum Bersih Cost of Date Amount Net Result Public of Public Offering Offering

1

2

3



1FOBXBSBO6NVN *10 1VCMJD0GGFSJOH

+VMJ

+VNMBI 5PUBM    

4

5

6

Rencana Penggunaan Dana Menurut Prospektus Planned Use of Funds According to the Prospectus Ekspansi Kredit Expansion of Loan

Ekspansi Jaringan Kantor Expansion of Branch Network

7

8

Ekspansi Teknologi Informasi Expansion of Information Technology 9

Total Total

10

Realisasi Penggunaan Dana Actual Use of Funds Ekspansi Kredit Expansion of Loan 11

Ekspansi Jaringan Kantor Expansion of Branch Network

Ekspansi Teknologi Informasi Expansion of Information Technology

12

13

Jumlah Total

14

Sisa Dana Hasil Penawaran Umum Remaining Proceeds From Public Offering 15

















































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Mengandung

,QIRUPDWLRQ RQ 0DWHULDO 7UDQVDFWLRQ ZLWK &RQÁLFWV RI Interest

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*O DPOEVDUJOH JUT CVTJOFTT  CBOL bjb IBT USBOTBDUJPOT XJUI BGmMJBUFT  JODMVEJOH MFOEJOH  JOWFTUNFOUT  BOE BDDFQUBODF PG EFNBOE EFQPTJUT  TBWJOHT BOE UJNF EFQPTJUT 4VDI BCPWF TUBUFEUSBOTBDUJPOTBSFJNQMFNFOUFEXJUIUIFTBNFUFSNTBOE DPOEJUJPOTBOEUIFTBNFUJNFGSBNFBTUPUIJSEQBSUJFT FYDFQU GPSUSBOTBDUJPOGFFTGPSUIFDVSSFOUBDDPVOUTUPUIF(PWFSONFOU PG 8FTU +BWB QSPWJODF  OBNFMZ B EJGGFSFODF PG  IJHIFS

Informasi Transaksi Material Benturan Kepentingan

yang

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

234

TINJAUAN KEUANGAN

+BXB #BSBU ZBJUV UFSEBQBU QFSCFEBBO   MFCJI UJOHHJ EBSJ ZBOHEJCFSJLBOLFQBEBQJIBLLFUJHB1FNFSJOUBI+BXB#BSBU EBO #BOUFO (JSP ,BTEB  NFSVQBLBO OBTBCBI QFSVTBIBBO ZBOHNFNCFSJLBOLPOUSJCVTJZBOHCFTBSCBJLEBSJTJTJEBOB  LSFEJU NBVQVO FLVJUBT 4FMBJO NFNJMJLJ QPSUPGPMJP EBOB ZBOH DVLVQ CFTBS EJ CBOL bjb  NFNCFSJLBO LPOUSJCVTJ UFSIBEBQ QFSLFNCBOHBO LSFEJU LPOTVNUJG ZBOH CFTBS  EJNBOB QBSB QFHBXBJOZB EBQBU NFOHBNCJM LSFEJU EFOHBO KBNJOBO HBKJ ZBOHUFMBIEJLFMPMBPMFICBOLbjb 1FNFSJOUBI1SPWJOTJ+BXB #BSBU NFSVQBLBO 1FNFHBOH 4BIBN 1FOHFOEBMJ CBOL bjb ZBOH TFMBNB JOJ NFNCFSJLBO LPNJUNFO ZBOH TBOHBU UJOHHJ UFSIBEBQQFSLFNCBOHBOCBOLbjb%FOHBOBEBOZBLPOUSJCVTJ ZBOHCFHJUVCFTBSUFSIBEBQCBOLbjb NBLBQFNCFSJBOKBTB HJSP UFSTFCVU UFMBI TFJNCBOH EJCBOEJOHLBO EFOHBO QJIBL LFUJHB 5SBOTBLTJ EFOHBO QJIBL ZBOH NFNQVOZBJ IVCVOHBO JTUJNFXB MBJOOZB BEBMBI QFNCFSJBO LSFEJU LFQBEB LBSZBXBO EFOHBOUJOHLBUCVOHBZBOHLFDJMEJCBOEJOHLBOUJOHLBUCVOHB ZBOH EJLFOBLBO QBEB EFCJUVS MBJO  UJOHLBU TVLV CVOHB SBUB SBUB TFCFTBS   EFOHBO KBOHLB XBLUV CFSLJTBS BOUBSB  TBNQBJ EFOHBO  UBIVO ,SFEJU JOJ EJCBZBS LFNCBMJ NFMBMVJ QFNPUPOHBOHBKJTFUJBQCVMBO

UIBO HJWFO UP BOZ UIJSE QBSUZ 5IF (PWFSONFOU PG 8FTU +BWB BOE #BOUFO (JSP ,BTEB  JT UIF DPNQBOZT DVTUPNFS UIBU QSPWJEFT B HSFBU DPOUSJCVUJPO CPUI JO UFSNT PG GVOET  MPBOT BOE FRVJUZ *O BEEJUJPO UP UIF MBSHF GVOET QPSUGPMJP JO CBOL bjb  DPOUSJCVUFE UP UIF EFWFMPQNFOU PG B MBSHF DPOTVNFS MPBO XIFSFJUTFNQMPZFFTNBZUBLFMPBOTXJUIUIFHVBSBOUFF PGTBMBSJFTUIBUIBWFCFFONBOBHFECZCBOLbjb 8FTU+BWB 1SPWJODJBM(PWFSONFOUJTUIF$POUSPMMJOH4IBSFIPMEFSPGCBOL bjbXIJDIIBTCFFOFYUFOEJOHBWFSZIJHIDPNNJUNFOUUPUIF EFWFMPQNFOUPGCBOLbjb(JWFOUIFMBSHFDPOUSJCVUJPOUPCBOL bjb  UIF GFFT GPS UIF DVSSFOU BDDPVOUT IBE CFFO CBMBODFE DPNQBSFE UP UIF UIJSE QBSUZ 5SBOTBDUJPOT XJUI PUIFS SFMBUFE QBSUZJT5IFQSPWJTJPOPGMPBOUPUIFFNQMPZFFTXJUIBTNBMM JOUFSFTUSBUFTDPNQBSFEUPUIFJOUFSFTUSBUFTJNQPTFEPOPUIFS EFCUPST JOUFSFTUSBUFTPOBWFSBHFQFSZFBSJOBOEJT POBWFSBHFPGUIFNPOUIMZBOOVJUZGPSBQFSJPESBOHJOH GSPN  UP  ZFBST 5IFTF MPBOT BSF QBJE UISPVHI NPOUIMZ QBZSPMMEFEVDUJPOT

,FUFOUVBO NFOHFOBJ CFOUVSBO LFQFOUJOHBO UFMBI EJ BUVS EBMBN t 4VSBU ,FQVUVTBO %FXBO ,PNJTBSJT /PNPS %,  TZBSBUJOEFQFOEFOTJBOHLB

t 4VSBU,FQVUVTBO%JSFLTJ/PNPS4,%*3  #BC QFSJIBMTUBOEBSFUJLB QSJOTJQVNVNFUJLB#BOL 

1SPWJTJPOTPODPOnJDUTPGJOUFSFTUIBWFCFFOTUJQVMBUFEJO

No.

Pihak-pihak Berelasi/ 3FMBUFE1BSUJFT

t 5IF $PNNJTTJPOFST %FDSFF /P %,  JOEFQFOEFODZSFRVJSFNFOUTOVNCFS

t 5IF %JSFDUPST %FDSFF /P 4,%*3  $IBQUFS  SFHBSEJOHDPEFPGDPOEVDU UIFHFOFSBMQSJODJQMFTPG#BOL FUIJDT 

Sifat Hubungan Istimewa/ /BUVSFPG3FMBUJPOTIJQ

Transaksi/ 5SBOTBDUJPO



1FNFSJOUBI1SPWJOTJ+BXB#BSBU 5IF(PWFSONFOUPGUIF8FTU+BWB 1SPWJODF

1FNFHBOHTBIBNQFOHFOEBMJ$POUSPMMJOHTIBSFIPMEFST

B (JSP%FNBOE%FQPTJUT C4JNQBOBO/BTBCBI%FQPTJUTGSPN$VTUPNFST D,SFEJUZBOHEJCFSJLBO-PBOT



.BOBKFNFO,VODJ,FZ.BOBHFNFOU )VCVOHBO1FOHFOEBMJBO,FHJBUBO1FSVTBIBO3FMBUJPO 1FSTPOOFM 5ISPVHI$POUSPMJOUIF#BOLT0QFSBUJPO

B ,SFEJUZBOH%JCFSJLBO-PBOT C 4JNQBOBO/BTBCBI%FQPTJUTGSPN$VTUPNFST D ,SFEJUZBOH%JCFSJLBO-PBOT



#13EBO1%-1,#13BOE1%-1,

)VCVOHBO,FQFNJMJLBONFMBMVJ1FNFSJOUBI1SPWJOTJEBO B 1FOZFSUBBO4BIBN*OWFTUNFOUJO4IBSFT ,BCVQBUFO0XOFSTJQ3FMBUJPOUISPVHI1SPWJODFBOE C4JNQBOBOEBSJ#BOLMBJO%FQPTJUTGSPN0UIFS#BOLT 3FHJPOBM(PWFSONFOU



15"TVSBOTJ#BOHVO"TLSJEB

)VCVOHBO,FQFNJMJLBONFMBMVJ1FNFSJOUBI1SPWJOTJEBO B"TVSBOTJ"TFU5FUBQ'JYFE"TTFUT*OTVSBODF ,BCVQBUFO0XOFSTJQ3FMBUJPOUISPVHI1SPWJODFBOE 3FHJPOBM(PWFSONFOU

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

235 FINANCIAL REVIEW

Transaksi dengan Pihak yang Mempunyai Hubungan Istimewa

Related Party Transaction

31 Desember/December 31 Keterangan

Description 



a. Transaksi dengan selain manajemen kunci

Transactions except for key management

ASET ,SFEJUZBOHEJCFSJLBOEBOQFNCJBZBBO

ASSET 



-PBOTBOEmOBODJOH





&RVJUZQBSUJDJQBUJPO

5PUBM"TFUEBSJQJIBLCFSFMBTJ





5PUBMBTTFUTGSPNSFMBUFEQBSUZ

$,1/

 



$,1/

Total Aset dari pihak berelasi - neto

866.068

851.183

Total Assets from related party - net

 

 

1FSDFOUBHFPGSFMBUFEQBSUZUPUPUBMBTTFUT

1FOZFSUBBO4BIBN

1SFTFOUBTFUPUBMQJIBLCFSFMBTJUFSIBEBQBTFU LIABILITAS

LIABILITIES

4JNQBOBOEBSJOBTBCBI





$VTUPNFSEFQPTJUT

4JNQBOBOEBSJCBOLMBJO





%FQPTJUTGSPNPUIFSCBOLT

%BOB4ZJSLBI5FNQPSFS





5FNQPSBSZ4ZJSLBIGVOET





5PUBMMJBCJMJUJFTUPSFMBUFEQBSUZ

 

 

PINJAMAN YANG DITERIMA 5PUBM-JBCJMJUBTLFQBEBQJIBLCFSFMBTJ 1SFTFOUBTFUPUBMQJIBLCFSFMBTJUFSIBEBQMJBCJMJUBT

BORROWINGS

PENDAPATAN BUNGA DAN BAGI HASIL ,SFEJUZBOHEJCFSJLBOEBOQFNCJBZBBO 1FOZFSUBBO4BIBN 5PUBMQFOEBQBUBOCVOHBEBOCBHJIBTJMQJIBLCFSFMBTJ 1SFTFOUBTFUFSIBEBQUPUBMQFOEBQBUBOCVOHBEBOCBHJ IBTJM





4JNQBOBOEBSJCBOLMBJO 5PUBM#FCBOCVOHBEBOCPOVTEBSJQJIBLCFSFMBTJ 1FSTFOUBTFUFSIBEBQUPUBMCPOVTEBOCFCBOCVOHB





&RVJUZQBSUJDJQBUJPO



5PUBMSFMBUFEQBSUZJOUFSFTUJODPNFBOEQSPmUTIBSJOH

 

 

1FSDFOUBHFPGSFMBUFEQBSUZUPUPUBMJOUFSFTUJODPNFBOE QSPmUTIBSJOH





INTEREST EXPENSE AND BONUS





%FQPTJUTGSPNPUIFSCBOLT



5PUBMSFMBUFEQBSUZJOUFSTUFYQFOTFBOECPOVT

 

 

1FSDFOUBHFPGSFMBUFEQBSUZUPUPUBMJOUFSFTUFYQFOTF BOECPOVT Transactions with key management personnel

ASET

$BEBOHBOLFSVHJBOQFOVSVOBOOJMBJ

$VTUPNFSEFQPTJUT



b. Transaksi dengan manajemen Kunci

LSFEJUZBOHEJCFSJLBOEBOQJVUBOHQFNCJBZBBOTZBSJBI

-PBOTBOEmOBODJOH



BEBAN BUNGA DAN BONUS 4JNQBOBOEBSJOBTBCBI

1FSDFOUBHFPGSFMBUFEBQSUZUPUPUBMMJBCJMJUJFT INTEREST INCOME AND PROFIT SHARING

ASSETS 



-PBOTBOETIBSJBImOBODJOHSFDFJWBCMFT

 



"MMPXBODFGPSJNQBJSNFOUSFTFSWFT

5PUBMLSFEJUZBOHEJCFSJLBO





5PUBMMPBOTEJTCVSTFNFOU

1FSTFOUBTFUFSIBEBQUPUBMBTFU

 

 

1FSDFOUBHFUPUPUBMBTTFUT

LIABILITAS 4JNQBOBOEBSJOBTBCBI 1FSTFOUBTFUFSIBEBQUPUBMMJBCJMJUBT

LIABILITIES 



$VTUPNFSEFQPTJUT

 

 

1FSDFOUBHFUPUPUBMMJBCJMJUJFT





-PBOTBOETIBSJBImOBODJOHSFDFJWBCMFT

 

 

1FSDFOUBHFUPJOUFSFTUJODPNF

PENDAPATAN BUNGA DAN BAGI HASIL ,SFEJUZBOHEJCFSJLBOEBOQJVUBOHQFNCJBZBBOTZBSJBI 1FSTFOUBTFUFSIBEBQQFOEBQBUBOCVOHB

INTEREST INCOME AND PROFIT SHARING

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

236

TINJAUAN KEUANGAN

Transaksi dengan Pihak yang Mempunyai Hubungan Istimewa

Related Party Transaction

31 Desember/December 31 Keterangan

Description 



BEBAN BUNGA

INTEREST EXPENSE

4JNQBOBOEBSJOBTBCBI 1FSTFOUBTFUFSIBEBQCFCBOCVOHB





$VTUPNFSEFQPTJUT

 

 

1FSDFOUBHFUP*OUFSFTU&YQFOTF

#FSJLVUBEBMBISJODJBOUSBOTBLTJZBOHNFOHBOEVOHCFOUVSBO LFQFOUJOHBOCBJLLFQBEBNBOBKFNFOQFSVTBIBBO QFNFHBOH TBIBN NBVQVO BOBL QFSVTBIBBOBTPTJBTJBmMJBTJ TFMBNB UBIVO

No

Nama Name

Individu Individual

Nama Grup Group Name

Hubungan dengan Bank Relationship with the Bank

)FSFBSFUIFEFUBJMTPGUIFUSBOTBDUJPOUIBUDPOUBJOTBDPOnJDU PGJOUFSFTUCPUIUPDPSQPSBUFNBOBHFNFOU TIBSFIPMEFSTBOE TVCTJEJBSJFTBTTPDJBUFTBGmMJBUFTEVSJOH

Status Hubungan keterkaitan dengan Bank Relationship Status linkages with the Bank

Jenis Penyediaan Dana Type Provision of Funds

Jangka Waktu Time Frame

Awal Start

Jatuh Tempo Due Date

Jumlah penyediaan Dana The amount of the provision of funds

Valas Forex

Rupiah



"INBE*SGBO



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU









;BFOBM"SJmO*3 .TJ



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU









 



/JB,BOJB



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU









#FOOZ4BOUPTP



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU









'FSNJZBOUJ



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU







 



4VBSUJOJ



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU







7

"HVT(VOBXBO



*OEJWJEV*OEJWJEVBM



.BOBKFNFO.BOBHFNFOU







7

Total Terkait

1



 64.480.000.000



1%#13-1,4BLFUJ



(SVQ(SPVQ



"mMJBTJ"GmMJBUFE











1%#13-1, 4FSBOH



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1%#13-1, 4FSBOH



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1%#13-1, 8BSVOHLPOEBOH



(SVQ(SPVQ



"mMJBTJ"GmMJBUFE











1%#13-1, 8BSVOHLPOEBOH



(SVQ(SPVQ



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7

1%#13-1, 8BSVOHLPOEBOH



(SVQ(SPVQ



"mMJBTJ"GmMJBUFE











1%#13-1, 8BSVOHLPOEBOH



(SVQ(SPVQ



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(SVQ(SPVQ



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1%#13$JNFSBL



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"mMJBTJ"GmMJBUFE











1%#13-1, "SBIBO,JEVM



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1%#13-1,,SPZB



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1%#13-1,4VLSB



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1%#13-1, #BMPOHBO



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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

237 FINANCIAL REVIEW

No

Nama Name

Individu Individual

Nama Grup Group Name

Hubungan dengan Bank Relationship with the Bank

Status Hubungan keterkaitan dengan Bank Relationship Status linkages with the Bank

Jenis Penyediaan Dana Type Provision of Funds

Jumlah penyediaan Dana The amount of the provision of funds

Jangka Waktu Time Frame

Awal Start

Jatuh Tempo Due Date

Valas Forex

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Perubahan Peraturan Dampaknya

Changes in the Legislations and the Impacts

Perundang-undangan

dan

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

238

TINJAUAN KEUANGAN

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Deskripsi/ Description 1FOFSBQBO5BUB,FMPMB 5FSJOUFHSBTJ#BHJ ,POHMPNFSBTJ,FVBOHBO

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Dampak/ Impact

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bank bjb Laporan Tahunan 2014

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

239 FINANCIAL REVIEW

Nomor Peraturan/ Regulation Number 'JOBODJBM4FSWJDFT "VUIPSJUZ$JSDVMBS/P 4&0+,4FSWJDF BOE4FUUMFNFOUPG $POTVNFS$PNQMBJOUT BHBJOTU'JOBODJBM4FSWJDF #VTJOFTTFT

Deskripsi/ Description

Alasan/ Reason

Dampak/ Impact

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Perubahan Kebijakan Akuntansi yang diterapkan perusahaan pada tahun buku terakhir dan dampaknya terhadap laporan keuangan

Changes in Accounting Policies implemented E\ WKH FRPSDQ\ LQ WKH ODVW ÀVFDO \HDU DQG WKH LPSDFWVRQWKHÀQDQFLDOVWDWHPHQWV

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bank bjb Annual Report 2014

240

PROSPEK USAHA BUSINESS PROSPECTS

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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241

PROSPEK 2015

2015 PROSPECT

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RENCANA STRATEGIS BISNIS

BUSINESS STRATEGY PLAN

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bank bjb Annual Report 2014

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242

PROSPEK USAHA

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bank bjb Laporan Tahunan 2014

#BTFEPO4FHNFOUBUJPO B $PNNFSDJBM-PBOT C .JDSP-PBOT D $POTVNFS-PBOT E .PSUHBHF

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243 BUSINESS PROSPECTS

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bank bjb Annual Report 2014

244

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

PROSPEK USAHA

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

245 BUSINESS PROSPECTS

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bank bjb Annual Report 2014

246

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

PROSPEK USAHA

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

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

247 BUSINESS PROSPECTS

5FSLBJU EFOHBO )VCVOHBO EFOHBO *OWFTUPS  ,PNVOJLBTJ EBO 1SPNPTJ  SFODBOB LFCJKBLBO TUSBUFHJT ZBOH BLBO EJJNQMFNFOUBTJLBOEJBOUBSBOZB  1FOJOHLBUBOLPNVOJLBTJ LFSKBTBNBEBOMBZBOBOLFQBEB DBMPOJOWFTUPSEBOJOWFTUPS  .FOJOHLBULBO Brand Awareness CBOL bjb LFQBEB NBTZBSBLBU

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"TTPDJBUFEXJUITVCTJEJBSJFT TUSBUFHJDQPMJDZQMBOXIJDIXJMM CFJNQMFNFOUFEBSFUPFODPVSBHF UPEFWFMPQBOEUPJNQSPWF UIFQFSGPSNBODFPGTVCTJEJBSJFT

bank bjb Annual Report 2014

248

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TINJAUAN PENDUKUNG BISNIS SUPPORTING BUSINESS REVIEW

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

TINJAUAN FUNGSIONAL

249 FUNCTIONAL REVIEW

%BMBN NFOKBMBOLBO VTBIBOZB  CBOL bjb UJEBL UFSMFQBT EBSJ LFUFSTFEJBBO TVNCFS EBZB NBOVTJB ZBOH NFNBEBJ  CBJL EBSJ TFHJ KVNMBI NBVQVO LVBMJUBTOZB %FOHBO TVNCFS EBZB NBOVTJB ZBOH IBOEBM EBO LPNQFUFO  TFSUB EJEVLVOH PMFI QFOHVBTBBOUFLOPMPHJUFSCBSVEBONPEFSO BLUJWJUBTQFLFSKBO 1FSTFSPBO EBQBU CFSKBMBO EFOHBO MFCJI FGFLUJG EBO FmTJFO  TFIJOHHBQFODBQBJBOUBSHFULJOFSKBTFDBSBLFTFMVSVIBOEBQBU EJSBJIEFOHBOCBJL6OUVLEBQBUNFNFOVIJLFCVUVIBOUFSTFCVU  EJQFSMVLBO QSPTFT ZBOH UFSFODBOB EBO CFSLFTJOBNCVOHBO  TFIJOHHB OBOUJOZB EBQBU EJIBTJMLBO JOTBOJOTBO ZBOH UJEBL IBOZBNFNJMJLJLFDBLBQBOZBOHIBOEBMOBNVOKVHBNFNJMJLJ attitude ZBOH CBJL %FOHBO EFNJLJBO  LFHJBUBO PQFSBTJPOBM 1FSTFSPBOEBQBUCFSKBMBOTFDBSBMBODBS LVBMJUBTMBZBOBOZBOH EJCFSJLBOCBOLbjbQVOEBQBUUFSKBHBLFTJOBNCVOHBOOZB

*O DPOEVDUJOH JUT CVTJOFTT  UIF CBOL bjb OPU JOEFQFOEFOU PG UIF BWBJMBCJMJUZ PG BEFRVBUF IVNBO SFTPVSDFT  CPUI JO UFSNT PG RVBOUJUZ BOE RVBMJUZ 8JUI UIF IVNBO SFTPVSDFT UIBUBSFSFMJBCMFBOEDPNQFUFOU BOETVQQPSUFECZUIFMBUFTU UFDIOPMPHZ BOE NPEFSO NBTUFSZ  KPC SFUFOUJPO BDUJWJUJFT PG UIF $PNQBOZ DBO CF SVO NPSF FGGFDUJWFMZ BOE FGmDJFOUMZ  TP UIBU UIF PWFSBMM BDIJFWFNFOU PG QFSGPSNBODF UBSHFUT DBO CF BDIJFWFE XJUI FJUIFS 5P NFFU UIFTF OFFET  UIF OFDFTTBSZ QSPDFTT PG QMBOOFE BOE TVTUBJOBCMF  TP UIBU MBUFS DBO CF HFOFSBUFECFJOHTXIPOPUPOMZIBWFUIFTLJMMTUIBUBSFSFMJBCMF  CVU BMTP IBT B HPPE BUUJUVEF "DDPSEJOHMZ  UIF $PNQBOZT PQFSBUJPOTDBOSVOTNPPUIMZ UIFRVBMJUZPGTFSWJDFTQSPWJEFE CBOLbjbDPOUJOVJUZDBOCFNBJOUBJOFE

1FODBQBJBOQFSUVNCVIBOZBOHTFNBLJOCFTBS KVHBCFSBLJCBU QBEB TFNBLJO CFTBSOZB customer base  ZBOH EJNJMJLJ #BOL %FOHBO CFSBHBN KVNMBI OBTBCBI EBO CFSBOFLB SBHBN LFCVUVIBONFSFLBZBOHLJBOLPNQMFLTIBSVTCJTBEJUBOHBOJ EFOHBOLFOZBNBOBOEBOLFDFQBUBOZBOHTFUBSBLVBMJUBTOZB ,FCFSBEBBO UFLOPMPHJ JOGPSNBTJ ZBOH UFQBU HVOB TBOHBU NFNFHBOH QFSBOBO QFOUJOH 5FSTFEJBOZB CFSCBHBJ TJTUFN UFLOPMPHJ EFOHBO TFHBMB LFMFCJIBOOZB IBSVT CJTB EJDFSNBUJ TFDBSB CBJL #BOL IBSVT NBNQV NFOFUBQLBO TJTUFN UFLOPMPHJ JOGPSNBTJ ZBOH TFTVBJ EFOHBO LFCVUVIBOOZB *OGSBTUSVLUVS EJCBOHVO CFSEBTBSLBO LFQFSMVBO  TFIJOHHB QFOHFNCBOHBOOZBLFEFQBOEBQBUEJMBLVLBOTFDBSBFmTJFO EBOUJEBLNFOHHBOHHVPQFSBTJPOBM#BOL

5IF BDIJFWFNFOU PG HSFBUFS HSPXUI  IBT BMTP SFTVMUFE JO UIF HSPXJOH DVTUPNFS CBTF IFME CZ UIF #BOL 8JUI B EJWFSTF DVTUPNFSCBTFBOEEJWFSTFOFFETPGUIFJSDPNQMFYTIPVMECF IBOEMFEXJUIUIFDPOWFOJFODFBOETQFFEPGFRVJWBMFOURVBMJUZ 5IFFYJTUFODFPGBQQSPQSJBUFJOGPSNBUJPOUFDIOPMPHZQMBZTBO JNQPSUBOU SPMF 5IF BWBJMBCJMJUZ PG B XJEF SBOHF PG TZTUFNT UFDIOPMPHZXJUIBMMUIFCFOFmUTTIPVMECFFYBNJOFEBTXFMM #BOLT NVTU CF BCMF UP FTUBCMJTI JOGPSNBUJPO UFDIOPMPHZ TZTUFNTUIBUmUUIFJSOFFET*OGSBTUSVDUVSFJTCVJMUPOQVSQPTF  TPUIBUGVUVSFEFWFMPQNFOUDBOCFDBSSJFEPVUFGmDJFOUMZBOE EPFTOPUJOUFSGFSFXJUIPQFSBUJPOTPGUIF#BOL

bank bjb Annual Report 2014

250

SUMBER DAYA MANUSIA HUMAN RESOURCES

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

251

Perencanaan SDM

Human Resources Planning

%BMBN NFOHIBEBQJ QFSTBJOHBO +BTB 1FSCBOLBO ZBOH TFNBLJO LFUBU EJQFSMVLBO TVBUV QFSTJBQBO EBO QFSFODBOBBO ZBOH NBUBOH UFSLBJU EFOHBO QFOJOHLBUBO LPNQFUFOTJ QFHBXBJ VOUVL NFOKBEJ TFNBLJO CFSLVBMJUBT  QSPGFTJPOBM %FOHBO UVKVBO NFODJQUBLBO MBZBOBO ZBOH UFSCBJL LFQBEB TFUJBQOBTBCBI CBOLbjbNFNQPTJTJLBOQFOJOHLBUBOLVBMJUBT 4VNCFS %BZB .BOVTJB TFCBHBJ TBMBI TBUV QSJPSJUBT VUBNB VOUVLNFOVOKBOHLFHJBUBOPQFSBTJPOBMQFSVTBIBBO

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)VNBOO 3FTPVSDFT QMBOOJOH BOE NBOBHFNFOU FGGPSUT BSF DBSSJFEPVUUISPVHIBDPOUJOVPVTQSPHSBNCFHJOOJOHGSPNUIF SFDSVJUNFOU QSPDFTT VOUJM UIF FNQMPZFF XPSLT BOE FOUFSJOH FBDIDBSFFSTUBHFBUCBOLbjb

1FSFODBOBBO 4VNCFS %BZB .BOVTJB EJEVLVOH PMFI LFCJKBLBO EBO QFMBLTBOBBO recruitment, career path  EBO job grading TFSUB EJEVLVOH PMFI QSPHSBN 1FOEJEJLBO  1FMBUJIBO ZBOH  NFOEVLVOH CJTOJT #BOL TFDBSB UFSBUVS EBO CFSLFTJOBNCVOHBO

)VNBO 3FTPVSDF 1MBOOJOH JT TVQQPSUFE CZ QPMJDJFT BOE JNQMFNFOUBUJPOPGSFDSVJUNFOU DBSFFSQBUIT BOEKPCHSBEJOH BT XFMM BT TVQQPSUFE CZ UIF &EVDBUJPO  5SBJOJOH QSPHSBNT UIBUTVQQPSUUIF#BOLTCVTJOFTTSFHVMBSMZBOEDPOUJOVPVTMZ

1FSFODBOBBO 4VNCFS %BZB .BOVTJB CFSTJOFSHJ EFOHBO TJTUFN QFOEJEJLBO EBO QFMBUJIBO QFHBXBJ EBO EJTFTVBJLBO EFOHBO LPOEJTJ NBVQVO LFNBNQVBO QFSVTBIBBO TFSUB UVOUVUBOQFSLFNCBOHBOJMNVQFOHFUBIVBOEBOUFLOPMPHJZBOH EJCVUVILBO#BOLTBBUJOJNBVQVONBTBZBOHBLBOEBUBOH

)VNBO 3FTPVSDF 1MBOOJOH JT JO TZOFSHZ XJUI UIF TZTUFN PG FNQMPZFF FEVDBUJPO BOE USBJOJOH BOE BEBQUFE UP UIF DPOEJUJPOT BOE UIF BCJMJUZ PG UIF DPNQBOZ BT XFMM BT UIF EFNBOETPGTDJFOUJmDBOEUFDIOPMPHJDBMEFWFMPQNFOUTGPSUIF #BOLTDVSSFOUBOEGVUVSFSFRVJSFNFOUT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

252

SUMBER DAYA MANUSIA

Rekrutmen

Recruitment

3FLSVUNFO CBOL bjb TFCBHBJ QSPTFT QFOHBEBBO 4VNCFS %BZB .BOVTJB 4%.

 EJMBLVLBO TFDBSB UFSFODBOB EFNJ NFOEBQBULBO4%.CFSLVBMJUBTEBOQSPGFTJPOBM)BMJUVTFKBMBO EFOHBOLFCVUVIBOBLBOQFSUVNCVIBOCBOLbjbZBOHCFHJUV QFTBU

CBOLbjbSFDSVJUNFOUBTUIFQSPDFTTPGQSPDVSFNFOUPGIVNBO SFTPVSDFT )3 JTDPOEVDUFEJOBQMBOOFENBOOFSJOPSEFSUP HFURVBMJUZBOEQSPGFTTJPOBMIVNBOSFTPVSDFT5IJTJTJOMJOF XJUICBOLbjbTSBQJEOFFEGPSHSPXUI

1SPHSBNSFLSVUNFOEJUBIVOBEBMBITFCBHBJCFSJLVU t 3FLSVUNFOfresh graduate  3FLSVUNFO JOJ NFSVQBLBO UFOBHB LFSKB CBSV MVMVT QFSHVSVBOUJOHHJEFOHBOTUBUVTQFHBXBJOPOQFOEJEJLBO 4FMBNB UBIVO   %JWJTJ 4%. UFMBI NFOHBEBLBO SFLSVUNFO UFOBHB fresh graduate EBO NFOKBSJOH  UFOBHB 5FSNBTVL EJ BOUBSBOZB   UFOBHB BMJI EBZB CBOL bjb ZBOH EJBOHLBU NFOKBEJ DBMPO QFHBXBJ UFUBQ NFMBMVJKBMVSSFLSVUNFOJOUFSOBMCBOLbjb t 3FLSVUNFOIndividual Hire  3FLSVUNFO JOJ NFSVQBLBO QFOHBEBBO UFOBHB CFSQFOHBMBNBO QBEB CJEBOH QFLFSKBBO UFSUFOUV ZBOH EJTFMBSBTLBOEFOHBOLFCVUVIBOQFODBQBJBOLJOFSKBCBOL bjb 3FLSVUNFO UBIVO  UFMBI NFOKBSJOH  UFOBHB individual hire

5IFSFDSVJUNFOUQSPHSBNJTBTGPMMPXT t 'SFTI(SBEVBUF3FDSVJUNFOU  5IJT SFDSVJUNFOU JT UIF QSPWJTJPO PG OFX FNQMPZFFT SFDFOUMZ HSBEVBUFE GSPN VOJWFSTJUZ XJUI OPOFEVDBUJPO FNQMPZFFT TUBUVT %VSJOH   UIF )VNBO 3FTPVSDFT %JWJTJPODPOEVDUFEUIFSFDSVJUNFOUPGGSFTIHSBEVBUFTBOE SFDSVJUFE   QFSTPOOFMT "NPOH UIFN   QFSTPOOFM XFSF PVUTPVSDJOH QFSTPOOFMT XIP XFSF TFMFDUFE UP CFDPNFQFSNBOFOUFNQMPZFFTUISPVHICBOLbjbTJOUFSOBM SFDSVJUNFOU t *OEJWJEVBM)JSF3FDSVJUNFOU  5IJTSFDSVJUNFOUJTUIFQSPWJTJPOPGFYQFSJFODFEFNQMPZFFT JO DFSUBJO KPC mFMET BMJHOFE XJUI CBOL bjbT OFFET UP BDIJFWF QFSGPSNBODF *O  CBOL bjb SFDSVJUFE  JOEJWJEVBMIJSFFNQMPZFFT

Pengelolaan Kinerja

Performance Management

1FSTFSPBO TFOBOUJBTB NFMBLVLBO monitoring UJOHLBU QFODBQBJBOBUBVLFCFSIBTJMBOQFHBXBJBUBVJOEJLBUPSJOEJLBUPS TBTBSBO LFSKB goal setting  ZBOH EJTVTVO HVOB NFOEVLVOH QFODBQBJBO TUSBUFHJ CBOL  QFOJOHLBUBO QSPEVLUJWJUBT LFSKB TFSUB QFOHFNCBOHBO LBSJS QFHBXBJ EBO QFOHFMPMBBO SJTJLP UFSLBJU EFOHBO QSPTFT LFSKB QBEB TFUJBQ KBCBUBO QFHBXBJ 1FMBLTBOBBO FWBMVBTJ LJOFSKB QFHBXBJ EJMBLTBOBLBO TFDBSB QFSJPEJLQBEBTFUJBQUSJXVMBO

5IF$PNQBOZDPOUJOVFTUPNFBTVSFUIFMFWFMPGBDIJFWFNFOU PS TVDDFTT PG FNQMPZFFT PS HPBM TFUUJOH JOEJDBUPST UIBU BSF EFWFMPQFEUPTVQQPSUUIFBDIJFWFNFOUPGUIFCBOLTTUSBUFHZ  JODSFBTF JO XPSL QSPEVDUJWJUZ BT XFMM BT FNQMPZFF DBSFFS EFWFMPQNFOUBOESJTLNBOBHFNFOUBTTPDJBUFEXJUIUIFXPSL QSPDFTT BU FWFSZ FNQMPZFF QPTJUJPO 5IF JNQMFNFOUBUJPO PG FNQMPZFF QFSGPSNBODF FWBMVBUJPO JT DPOEVDUFE QFSJPEJDBMMZ POBRVBSUFSMZCBTJT

Budaya kerja

Work Culture

%BMBNSBOHLBNFOEVLVOHQFODBQBJBOWJTJEBONJTJCBOLbjb NFOKBEJ  CBOL UFSCFTBS EBO CFSLJOFSKB CBJL EJ *OEPOFTJB  CBOLbjbUFMBINFMBLVLBOCFCFSBQBQFSVCBIBO TBMBITBUVOZB QFSVCBIBOCVEBZBQFSVTBIBBO#VEBZBQFSVTBIBBOUFSTFCVU NFODFSNJOLBO TFNBOHBU CBOL bjb EBMBN NFOHIBEBQJ QFSTBJOHBO QFSCBOLBO ZBOH TFNBLJO LFUBU EBO EJOBNJT /JMBJOJMBJ CVEBZB QFSVTBIBBO corporate values  ZBOH UFMBI EJSVNVTLBO ZBJUV (0 41*3*5  ZBOH NFSVQBLBO QFSXVKVEBO EBSJ Service Excellence  Professionalism  Integrity, Respect, Intelligence, TrustZBOHEJKBCBSLBOEBMBNQFSJMBLVVUBNB

*OPSEFSUPTVQQPSUUIFBDIJFWFNFOUPGUIFWJTJPOBOENJTTJPO PG CBOL bjb UP CFDPNF UIF  CJHHFTU CBOL XJUI HPPE QFSGPSNBODF JO *OEPOFTJB  CBOL bjb IBT VOEFSUBLFO TFWFSBM DIBOHFT  POF PG XIJDI JT UIF DIBOHF JO DPSQPSBUF DVMUVSF 5IF DPSQPSBUF DVMUVSF SFnFDUT UIF TQJSJU PG CBOL bjb JOGBDJOH CBOLJOH DPNQFUJUJPO XIJDI JT HFUUJOH UPVHIFS BOE NPSF EZOBNJD5IFDPSQPSBUFWBMVFTXIJDIIBWFCFFOGPSNVMBUFE  OBNFMZ (0 41*3*5 XIJDI JT UIF FNCPEJNFOU PG 4FSWJDF &YDFMMFODF  1SPGFTTJPOBMJTN  *OUFHSJUZ  3FTQFDU  *OUFMMJHFODF  5SVTU UIBUBSFEFTDSJCFEJONBKPSCFIBWJPST 



bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

253 HUMAN RESOURCES

Penjelasan

Description

1.

Perilaku Utama/Primary Behaviour Ramah, tulus, kekeluargaan/ Friendly, sincere, familiarity

Merupakan ciri khas bank bjb dalam berkomunikasi dengan pihak lain, baik dengan nasabah, shareholder, masyarakat maupun antar pegawai. Seluruh jajaran organisasi berkomunikasi secara ramah dan santun, membantu dengan tulus dan ikhlas, serta menjalin hubungan dengan baik dan kekeluargaan.

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2.

Selalu memberikan pelayanan prima/ Always provide excellent service

Senantiasa memberikan pelayanan yang terbaik kepada nasabah dengan cara memahami dan menerapkan standar pelayanan bank bjb dengan baik dalam setiap aktivitas operasional.

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3.

Cepat, tepat, akurat / Fast, precise, accurate

Sebagai bankir yang professional, setiap pekerjaan dilakukan dengan cepat sesuai dengan time schedule, menggunakan cara/metode yang tepat sesuai dengan tujuan dan peruntukannya, serta meminimalisir tingkat kesalahan baik dalam proses pekerjaan maupun hasil pekerjaan melalui ketelitian.

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4.

Kompeten dan bertanggung jawab/ Competent and responsible

Setiap pekerjaan, baik itu pekerjaan besar ataupun kecil, sulit ataupun mudah, selalu dikerjakan dengan memanfaatkan kompetensi yang ada di dalam diri masing-masing secara optimal dan dengan penuh rasa tanggung jawab.

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5.

Memahami dan melaksanakan ketentuan perusahaan/ Understand and implement the provisions of the company

Memahami dan melaksanakan seluruh pedoman dan ketentuan yang berlaku dengan baik sehingga setiap pekerjaan dilaksanakan sesuai dengan prosedur dan tidak melanggar peraturan.

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6.

Konsisten, disiplin dan penuh semangat/ Consistent , disciplined and passionate

Selalu bekerja dengan disiplin, konsisten dalam melaksanakan setiap ketentuan bank dan penuh semangat dalam menghadapi tantangan.

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7.

Menjaga citra Bank melalui perilaku terpuji dan menjunjung tinggi etika/ .HHSLQJWKH%DQN¶VLPDJHWKURXJK commendable behavior and ethics

Setiap pegawai berperilaku terpuji, tidak melanggar norma dan ketentuan yang berlaku dan menjunjung tinggi kode etik perbankan.

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8.

Fokus pada nasabah/ Focus on customers

Menghormati dan perhatian kepada nasabah, senantiasa menjadikan nasabah sebagai mitra utama yang perlu diberikan layanan prima dan membantu memberikan solusi kepada nasabah.

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9.

Peduli pada lingkungan/ Care for the environment

Memberikan kontribusi positif kepada lingkungan baik kepada masyarakat maupun kepada lingkungan hidup. Setiap pegawai memberikan perhatian terhadap masalah yang terjadi di lingkungan dan memberikan kontribusi positif dengan cara membantu memecahkan masalah.

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10.

Selalu memberikan solusi yang terbaik/ Always provide the best solution

Senantiasa bekerja dan berpikir untuk memecahkan masalah menggunakan akal pikiran yang sehat sehingga diperoleh solusi terbaik.

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11.

Berkeinginan kuat untuk mengembangkan diri/ Strong desire to develop themselves

Selalu berusaha memperluas wawasan, pengetahuan dan keterampilan kerja sebagai kontribusi terbaik demi kemajuan bank bjb

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12.

Menyukai perubahan yang positif/ Liked positive change

Selalu bersifat terbuka terhadap perubahan yang muncul dan berpikiran positif (positif thinking)

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13.

Menumbuhkan Transparansi, Kebersamaan dan Kerja sama yang sehat/ Fostering Transparency , Mutual Cooperation and healthy

Senantiasa jujur, saling percaya, saling mendukung dan membangun kerja sama tim yang kuat dan sehat.

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Memahami dan melaksanakan semua ketentuan yang berkaitan dengan rahasia bank, rahasia perusahaan dan rahasia jabatan.

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14.

Menjaga rahasia bank dan perusahaan/ 0DLQWDLQWKHFRQÀGHQWLDOLW\RIEDQNV and companies

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bank bjb Annual Report 2014

254

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SUMBER DAYA MANUSIA

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Strategi Ketentuan Remunerasi Karyawan

Employee Remuneration Determination Strategy

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

255 HUMAN RESOURCES

KOMPENSASI & BENEFIT/ COMPENSATION AND BENEFIT •

Evaluasi Struktur Gaji/ Salary Structure Evaluation

•

Kenaikan Gaji Berkala/Periodic Salary Adjustments

•

Tunjangan Kendaraan/Car Allowance

•

Fasilitas Kesehatan/Medical Allowance

EMPLOYEE ENGAGEMENT • • •

Keterikatan Emosional/Emotional Engagement Dedikasi/Dedication Konsentrasi/Concentration

BUDAYA PERUSAHAAN/ CORPORATE CULTURE

ATRAKTIF DAN KOMPETITIF/ATTRACITIVE AND COMPETITIVE •

Motivasi Kerja/Motivation

•

Mempertahankan Daya Beli/Maintain Purchasing Power

•

Standar Hidup Layak/Proper Living Standard

•

Sesuai Ketentuan Perundang-undangan/Comply with Regulation

•

Kemampuan Perusahaan/Company Capability

Pengembangan Kompetensi

Competence Development

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

256

SUMBER DAYA MANUSIA

Kesetaraan dalam Kesempatan Pengembangan Kompetensi

dan

Equality in Career Opportunity and Development of Competence

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Pendidikan dan Pelatihan

Education and training

%JWJTJ1FOEJEJLBOEBO1FMBUJIBOUFSVTCFSLPSEJOBTJEFOHBO%JWJTJ 4%. EBO VOJU LFSKB UFSLBJU EBMBN NFOJOHLBULBO LPNQFUFOTJ QFHBXBJQFHBXBJ EJ CBOL bjb 4FTVBJ EFOHBO 1FEPNBO 1FSTZBSBUBO 1FMBUJIBO 1FHBXBJ CBOL bjb EBO TFTVBJ 4JTUFN Grading LBNJNFNCBHJQFMBUJIBONFOKBEJUJHBLBUFHPSJ  1FMBUJIBO VUBNB ZBOH NFOKBEJ TZBSBU LFOBJLBO grade TFPSBOHQFHBXBJCBOLbjb  1FMBUJIBO UFLOJLBM CFSEBTBSLBO LPNQFUFOTJ TFTVBJ VOJU LFSKB ZBOH EJIBSBQLBO EBQBU NFOJOHLBULBO LPNQFUFOTJ TFPSBOH QFHBXBJ TFTVBJ EFOHBO job description QFLFSKBBOOZBEJMBQBOHBO  1FMBUJIBOsoft skillZBOHEJBSBILBOVOUVLQFOHFNCBOHBO EJSJQFHBXBJ

5IF&EVDBUJPOBOE5SBJOJOH%JWJTJPODPOUJOVFTUPDPPSEJOBUF XJUIUIF)VNBO3FTPVSDFT%JWJTJPOBOESFMBUFEXPSLJOHVOJUT JOJNQSPWJOHCBOLbjbFNQMPZFFTDPNQFUFODJFT"DDPSEJOHUP UIF(VJEFMJOFTGPSCBOLbjb&NQMPZFF5SBJOJOH3FRVJSFNFOUT UISPVHI UIF (SBEJOH 4ZTUFN  XF DBUFHPSJ[FE USBJOJOHT JOUP UISFFDBUFHPSJFT  5IF NBJO USBJOJOH XIJDI JT B QSFSFRVJTJUF GPS HSBEF QSPNPUJPOPGCBOLbjbTFNQMPZFFT  5FDIOJDBM USBJOJOH CBTFE PO DPNQFUFODF JO BDDPSEBODF XJUI UIF XPSLJOH VOJU XIJDI JT FYQFDUFE UP JNQSPWF UIF DPNQFUFODF PG BO FNQMPZFF JO BDDPSEBODF UP UIF KPC EFTDSJQUJPOXJUIJOUIFSFMBUFEmFME  4PGUTLJMMTUSBJOJOHGPSUIFTFMGEFWFMPQNFOUPGFNQMPZFFT

&WBMVBTJZBOHEJMBLVLBOPMFI%JWJTJ1FOEJEJLBOEBO1FMBUJIBO BEBMBI VOUVL NFMBLVLBO quality assurance EBSJ QSPTFT QFOHFNCBOHBOTVNCFSEBZBNBOVTJB%JWJTJ1FOEJEJLBOEBO 1FMBUJIBONFMBLVLBOTFCVBIQSPTFTFWBMVBTJZBOHTJTUFNBUJT BUBT QFOJOHLBUBO LPNQFUFOTJ TVNCFS EBZB NBOVTJB EJ MJOHLVOHBOCBOLbjb1SPTFTFWBMVBTJQFOHFNCBOHBOTVNCFS EBZBNBOVTJBZBOHEJMBLVLBO%JWJTJ1FOEJEJLBOEBO1FMBUJIBO UFSEJSJEBSJFNQBUUJOHLBUMFWFMZBJUVMFWFM MFWFM MFWFMEBO MFWFMZBOHEJNBOBLFFNQBUMFWFMUFSTFCVUBEBMBIreaction, learning, behaviorEBOresult

&WBMVBUJPOTDPOEVDUFECZUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPO JT UP QFSGPSN RVBMJUZ BTTVSBODF GSPN UIF IVNBO SFTPVSDF EFWFMPQNFOU QSPDFTT 5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO DPOEVDU B TZTUFNBUJD FWBMVBUJPO QSPDFTT GPS JNQSPWJOH UIF DPNQFUFODFPGIVNBOSFTPVSDFTJOCBOLbjb5IFFWBMVBUJPO QSPDFTT PG IVNBO SFTPVSDF EFWFMPQNFOU VOEFSUBLFO CZ UIF &EVDBUJPOBOE5SBJOJOH%JWJTJPODPOTJTUTPGGPVSMFWFMT OBNFMZ MFWFM MFWFM MFWFMBOEMFWFMJOXIJDIUIFTFGPVSMFWFMTBSF SFBDUJPO MFBSOJOH CFIBWJPSBOESFTVMU

bank bjb Laporan Tahunan 2014

Berkarir

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

257 HUMAN RESOURCES

a. Evaluasi Training Level 1: Reaction  &WBMVBTJ MFWFM JOJ NFOHVLVS UJOHLBU LFQVBTBO QFTFSUB TFUFMBI NFOHJLVUJ training 4FMBJO JUV VOUVL NFOHFUBIVJ PQJOJ EBSJ QBSB QFTFSUB NFOHFOBJ training ZBOH EJJLVUJOZB $BSB ZBOH CJBTB EJMBLVLBO BEBMBI NFNJOUB QBSB QFTFSUB VOUVL NFOHJTJ TFCVBI LVFTJPOFS ZBOH CFSJTJ QFSUBOZBBOQFSUBOZBBO UFOUBOH SFBLTJ EBO LFTBO NFSFLB BUBT QFOZFMFOHHBSBBO training UFSTFCVU )BMIBM ZBOHEJFWBMBTJQBEBMFWFMJOJBOUBSBMBJONFOHFOBJNBUFSJ training JOTUSVLUVStrainer GBTJMJUBTZBOHEJTFEJBLBO XBLUV QFOZFMFOHHBSBBO TFSUBNFUPEFZBOHEJHVOBLBO

a. Evaluation of Training Level 1: Reaction  5IJTMFWFMPGFWBMVBUJPONFBTVSFTUIFMFWFMPGTBUJTGBDUJPO PGUIFQBSUJDJQBOUTBGUFSUIFUSBJOJOH"EEJUJPOBMMZ UPPCUBJO UIF PQJOJPO PG UIF QBSUJDJQBOUT SFHBSEJOH UIF USBJOJOH QBSUJDJQBUFE 5IF VTVBM XBZ JT UP BTL UIF QBSUJDJQBOUT UP mMM PVU B RVFTUJPOOBJSF DPOUBJOJOH RVFTUJPOT BCPVU UIFJS SFBDUJPOT BOE JNQSFTTJPOT PO UIF JNQMFNFOUBUJPO PG UIF USBJOJOH 5IJOHT UIBU DBO CF FWBMVBUFE BU UIJT MFWFM BSF BNPOH PUIFST  USBJOJOH NBUFSJBMT  JOTUSVDUPSTUSBJOFST  GBDJMJUJFT QSPWJEFE  JNQMFNFOUBUJPO UJNF  BT XFMM BT UIF NFUIPETVTFE





4FKBVI JOJ QSPTFT FWBMVBTJ MFWFM EJMBLVLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO QBEB TFUJBQ QFMBUJIBO ZBOH EJTFMFOHHBSBLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO CBJL ZBOH EJTFMFOHHBSBLBO EBMBN CFOUVL in house trainingNBVQVOQFMBUJIBOpublic trainingEBMBNEBOMVBS OFHFSJ ,IVTVT VOUVL QFOHVLVSBO QBEB QFMBUJIBO QVCMJL EJMBLVLBO EFOHBO NFOHHVOBLBO QFOEFLBUBO vendor assesment ZBJUVQFOHVLVSBOLVBMJUBTtrainer NBUFSJEBO GBTJMJUBT QFMBUJIBO ZBOH EJTFMFOHHBSBLBO PMFI WFOEPS WFOEPSQFMBUJIBOEJNBOB%JWJTJ1FOEJEJLBOEBO1FMBUJIBO NFOHJLVUTFSUBLBOQFHBXBJCBOLbjbEBMBNQFMBUJIBOZBOH EJTFMFOHHBSBLBOPMFIvendor-vendorQFMBUJIBOUFSTFCVU

b. Evaluasi Training Level 2: Learning  5VKVBO FWBMVBTJ UBIBQ JOJ BEBMBI NFOHVLVS TBNQBJ TFKBVI NBOB NBUFSJ ZBOH EJCFSJLBO TFMBNB QFMBUJIBO UFMBI EJQBIBNJ  EJIBZBUJ  EBO EJJOHBU PMFI QBSB QFTFSUB 1FOHVLVSBO CJBTBOZB EJMBLTBOBLBO EBMBN CFOUVL UFT ZBOHEJMBLVLBOTFCFMVNEBOTFTVEBItraining

4P GBS UIF MFWFM FWBMVBUJPO QSPDFTT JT DPOEVDUFE CZ UIF &EVDBUJPO BOE 5SBJOJOH  %JWJTJPO PO BOZ USBJOJOH DPOEVDUFE CZ UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO CPUI PSHBOJ[FE JO UIF GPSN PG JOIPVTF USBJOJOH BT XFMM BT QVCMJD USBJOJOH BU IPNF BOE PWFSTFBT 1BSUJDVMBSMZ GPS UIF BTTFTTNFOU PG QVCMJD USBJOJOH JT DPOEVDUFE CZ VTJOH UIF WFOEPS BTTFTTNFOU BQQSPBDI  OBNFMZ NFBTVSJOH UIF RVBMJUZ PG USBJOFST  NBUFSJBMT BOE USBJOJOH GBDJMJUJFT PSHBOJ[FECZUBJOJOHWFOEPSTJOXIJDIUIF&EVDBUJPOBOE 5SBJOJOH%JWJTJPOJODMVEFCBOLbjbFNQMPZFFTJOUSBJOJOHT PSHBOJ[FECZUIFUSBJOJOHWFOEPST

b. Evaluation of Training Level 2: Learning  5IF PCKFDUJWF PG UIJT FWBMVBUJPO TUBHF JT UP NFBTVSF UIF FYUFOU UIF NBUFSJBM QSPWJEFE EVSJOH UIF USBJOJOH IBT CFFO VOEFSTUPPE  JOUFSOBMJ[FE  BOE SFNFNCFSFE CZ UIF QBSUJDJQBOUT5IFBTTFTTNFOUJTVTVBMMZDBSSJFEPVUJOUIF GPSNPGUFTUTQFSGPSNFECFGPSFBOEBGUFSUIFUSBJOJOH



5JHBEPNBJOLPNQFUFOTJ knowledge, skills EBOattitudes  NFSVQBLBOIBMIBMZBOHEBQBUEJCFSJLBOEBOEJVLVSEBMBN TVBUV QFMBUJIBO 0MFI LBSFOBOZB  FWBMVBTJ QBEB MFWFM JOJ KVHB NFOFLBOLBO QBEB TFCFSBQB KBVI QFNCFMBKBSBO (learning  QFTFSUB BUBT NBUFSJ training EBMBN LPOUFLT NFOJOHLBULBOLPNQFUFOTJNFSFLB



5ISFF EPNBJOT PG DPNQFUFODF LOPXMFEHF  TLJMMT  BOE BUUJUVEFT  BSF NBUUFST UIBU DBO CF QSPWJEFE BOE NFBTVSFEJOBUSBJOJOH5IFSFGPSF FWBMVBUJPOBUUIJTMFWFM BMTP FNQIBTJ[FT UIF FYUFOU PG MFBSOJOH PG QBSUJDJQBOUT PO UIF USBJOJOH NBUFSJBM JO UIF DPOUFYU PG JNQSPWJOH UIFJS DPNQFUFODF



6OUVL NFOHFUBIVJ BQBLBI TFPSBOH QFTFSUB UFMBI NFNBIBNJ EFOHBO CBJL NBUFSJ training ZBOH EJJLVUJOZB EJMBLVLBOQFOHVKJBOTFCFMVNEBOTFTVEBItraining pretestEBOpost-test EFOHBONBUFSJZBOHTBNBBUBVUJEBLKBVI CFSCFEBTFIJOHHBIBTJMOZBEBQBUEJQFSCBOEJOHLBO+JLB UFSEBQBU QFOJOHLBUBO TLPS IBTJM post-test EJCBOEJOHLBO pre-test NBLB EJZBLJOJ CBIXB QFTFSUB UFSTFCVU UFMBI NFNJMJLJ QFNBIBNBO ZBOH MFCJI CBJL TFCBHBJ EBNQBL NFOHJLVUJtraining



5P EFUFSNJOF XIFUIFS B QBSUJDJQBOU IBT B HPPE VOEFSTUBOEJOH PO UIF USBJOJOH NBUFSJBMT UIBU IF TIF QBSUJDJQBUFE JO  QSFUFTU BOE QPTUUFTU XJUI UIF TBNF PS TJNJMBS NBUFSJBM BSF DPOEVDUFE TP UIBU SFTVMUT DBO CF DPNQBSFE *G UIFSF JT BO JODSFBTF JO UIF UIF QPTUUFTU TDPSFT SFTVMUT PG DPNQBSFE UP UIF QSFUFTU SFTVMUT  JU JT CFMJFWFE UIBU UIF QBSUJDJQBOU IBT B CFUUFS VOEFSTUBOEJOH BTBOJNQBDUPGUIFUSBJOJOH

 bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

258

SUMBER DAYA MANUSIA



%JWJTJ1FOEJEJLBOEBO1FMBUJIBOTFMBMVNFMBLVLBOFWBMVBTJ EJ MFWFM JOJ QBEB TFUJBQ QFMBUJIBO ZBOH EJTFMFOHHBSBLBO TFDBSBin house+FOJTQFMBUJIBOZBOHUFMBINFOFSBQLBO FWBMVBTJ MFWFM BEBMBI QFMBUJIBOQFMBUJIBO ZBOH EJLMBTJmLBTJLBO TFCBHBJ QFMBUJIBO UFLOJLBM QFOEVLVOH QFLFSKBBO EBO QFMBUJIBO XBKJC 5FSEBQBU CFCFSBQB NFUPEFFWBMVBTJZBOHTFSJOHEJHVOBLBOVOUVLNFMBLVLBO QFOHVLVSBO IBTJM QFMBUJIBO .FUPEF FWBMVBTJ ZBOH EJHVOBLBO CJBTBOZB CFSCFOUVL UFT UFSUVMJT pre test EBO post test  BQBCJMB QFMBUJIBO UFSTFCVU MFCJI NFOFLBOLBO QBEB QFOJOHLBUBO QFNBIBNBO QFTFSUB NFOHFOBJ TVBUV NBUFSJ "QBCJMB TFCVBI QFMBUJIBO MFCJI NFOFLBOLBO QFOUJOHOZB QFOHVBTBBO TFCVBI skillsLFUFSBNQJMBO UFSUFOUV NFUPEFFWBMVBTJEJMBLVLBOEBMBNCFOUVLrole play TJNVMBTJ NBVQVO UFT QSBLUJL 4FMBJO JUV %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO KVHB NFOHHVOBLBO NFUPEF 'PDVT (SPVQ %JTDVTTJPO EBO 4UVEJ ,BTVT VOUVL NFOHVKLVS FGFLUJWJUBT TFTJ QFMBUJIBO ZBOH NFOJUJLCFSBULBO QBEB QFOJOHLBUBO LPNQFUFOTJproblem solvingQBEBQBSBQFTFSUBOZB

c. Evaluasi Training Level 3: Behavior  &WBMVBTJ MFWFM  EJMBLVLBO VOUVL NFOHFUBIVJ TFCFSBQB KBVI QFSVCBIBO ZBOH UFSKBEJ QBEB EJSJ QFTFSUB QBEB TBBU QFTFSUB  LFNCBMJ LF MJOHLVOHBO QFLFSKBBOOZB TFUFMBI NFOHJLVUJ training  LIVTVTOZB QFSVCBIBO QBEB behavior LFUJHB EPNBJO LPNQFUFOTJ knowledge  skills  EBO attitudes  1FOHVLVSBO ZBOH EJMBLVLBO QBEB MFWFM JOJ MFCJI EJUJUJLCFSBULBO LFQBEB  QFSVCBIBOQFSVCBIBO EBMBNjobbehaviorBQBTBKBZBOHUFSKBEJTFUFMBITFPSBOH QFHBXBJ NFOHJLVUJ training UFSUFOUV %FOHBO LBUB MBJO  FWBMVBTJ MFWFM  JOJ UBL DVLVQ IBOZB TFLFEBS NFOHVLVS QFSVCBIBO ZBOH UFSKBEJ QBEB behavior QFTFSUB TFUFMBI NFOHJLVUJQFMBUJIBO OBNVOMFCJIKBVIMBHJQFSMVEJFWBMVBTJ QVMBTFKBVINBOBQFSVCBIBOZBOHUFSKBEJUFSTFCVUEBQBU EJUFSBQLBOEBMBNQSBLUJLLFSKBTFIBSJIBSJOZB&WBMVBTJJOJ QFSMVEJMBLVLBOLBSFOBCJTBTBKBQFSVCBIBOZBOHEJBMBNJ PMFIQFTFSUBtrainingCFSVQBNFOJOHLBUOZBQFOHFUBIVBO  CFSUBNCBIOZB LFUFSBNQJMBO  BUBV CFSVCBIOZB QFSJMBLV EBMBN LJOFSKB QBEB LFOZBUBBOZB UJEBL EBQBU NFNCBXB QFOHBSVI CFTBS LFUJLB EJDPCB VOUVL EJUFSBQLBO EBMBN QFLFSKBBOOOZB  IBM NBOB EJTFCBCLBO PMFI BEBOZB GBLUPSGBLUPS non training ZBOH NFOKBEJ QFOHIBNCBU  NJTBMOZB TJTUFN PQFSBTJPOBM ZBOH LVSBOH NFOEVLVOH  MJOHLVOHBO LFSKB ZBOH LVSBOH LPOEVTJG EBO TFCBHBJOZB  CBILBO business process ZBOH UJEBL CFSKBMBO EFOHBO TFCBHBJNBOBNFTUJOZB

bank bjb Laporan Tahunan 2014



5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO BMXBZT QFSGPSNT BO FWBMVBUJPO BU UIJT MFWFM PO BOZ USBJOJOH DPOEVDUFE JO IPVTF 5IF UZQFT PG USBJOJOH UIBU IBWF JNQMFNFOU UIF MFWFMFWBMVBUJPOBSFUSBJOJOHTDMBTTJmFEBTXPSLUFDIOJDBM TVQQPSUUSBJOJOHBOENBOEBUPSZUSBJOJOH5IFSFBSFTFWFSBM FWBMVBUJPO NFUIPET UIBU BSF PGUFO VTFE UP NFBTVSF UIF USBJOJOH SFTVMUT 5IF VTVBMMZ VTFE FWBMVBUJPO NFUIPE JT JOUIFGPSNPGBXSJUUFOUFTU QSFUFTUBOEQPTUUFTU JGUIF USBJOJOHQVUTNPSFFNQIBTJTPOJNQSPWJOHUIFQBSUJDJQBOUT VOEFSTUBOEJOH PG UIF NBUFSJBM *G B USBJOJOH FNQIBTJ[FT NPSFPOUIFJNQPSUBODFPGNBTUFSZPGBTLJMMTQFDJmDTLJMMT  UIFFWBMVBUJPONFUIPEJTQFSGPSNFEJOUIFGPSNPGSPMFQMBZ TJNVMBUJPO BOE QSBDUJDF UFTUT *O BEEJUJPO  UIF &EVDBUJPO BOE5SBJOJOH%JWJTJPOBMTPVTFT'PDVT(SPVQ%JTDVTTJPO BOE$BTF4UVEJFTUPNFBTVSFUIFFGGFDUJWFOFTTPGUSBJOJOH TFTTJPOT UIBU GPDVT PO JNQSPWJOH UIF DPNQFUFODF PG QSPCMFNTPMWJOHUPJUTQBSUJDJQBOUT



c. Evaluation of Training Level 3: Behavior  5IFMFWFMFWBMVBUJPOJTDPOEVDUFEUPEFUFSNJOFIPXGBS UIF DIBOHFT IBWF PDDVSFE UP UIF QBSUJDJQBOUT XIFO UIF QBSUJDJQBOUT SFUVSOFE UP UIF XPSL FOWJSPONFOU BGUFS UIF USBJOJOH QBSUJDVMBSMZUPUIFCFIBWJPSTPGUIFUISFFEPNBJOT PG DPNQFUFODJFT LOPXMFEHF  TLJMMT  BOE BUUJUVEFT  &WBMVBUJPO QFSGPSNFE BU UIJT MFWFM FNQIBTJ[FT NPSF PO DIBOHFTJOKPCCFIBWJPS XIBUIBQQFOTBGUFSBOFNQMPZFF QBSUJDJQBUFJOBTQFDJmDUSBJOJOH*OPUIFSXPSET UIFMFWFM  FWBMVBUJPO EPFT OPU POMZ NFBTVSF UIF DIBOHFT JO UIF CFIBWJPSPGUIFQBSUJDJQBOUBGUFSUIFUSBJOJOH CVUBMTPUIF FYUFOUIPXGBSUIFTFDIBOHFTDBOCFBQQMJFEJOUIFJSEBJMZ XPSLQSBDUJDFT5IJTFWBMVBUJPOJTOFDFTTBSZCFDBVTFUIF DIBOHFTNBZPOMZCFFYQFSJFODFECZUIFUSBJOFFTJOUIF GPSNPGJODSFBTFELOPXMFEHF JODSFBTFETLJMMT PSDIBOHFT JOCFIBWJPSJOQFSGPSNBODFUIBUJTJOGBDU JUEPFTOPUIBWF B CJH JNQBDU XIFO JU JT JNQMFNFOUFE JO UIFJS XPSL  UIJT JT EVF UP OPOUSBJOJOH GBDUPST UIBU CFDPNF JOIJCJUPST  GPS FYBNQMF UIF MBDL PG TVQQPSU JO UIF PQFSBUJPOBM TZTUFN  OPOGBWPSBCMFXPSLJOHFOWJSPONFOU BOETPPO FWFOUIF CVTJOFTTQSPDFTTFTUIBUBSFOPUSVOOJOHQSPQFSMZ

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

259 HUMAN RESOURCES



%JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UFMBI NFMBLVLBO QFOHVLVSBOQBEBMFWFMJOJVOUVLQFMBUJIBOQFMBUJIBOZBOH TJGBUOZB UFLOJLBM QFOEVLVOH QFLFSKBBO 1FNJMJIBO KFOJT QFMBUJIBO JOJ EJMBUBSCFMBLBOHJ PMFI UJOHLBU LFQFOUJOHBO QFMBUJIBO EBMBN NFOJOHLBULBO LPNQFUFOTJ QFHBXBJ EBMBN QFLFSKBBO TFIBSJIBSJ EJNBOB QFHBXBJ EBQBU TFDBSB MBOHTVOH NFOFSBQLBO NBUFSJ QFMBUJIBO EBMBN QFLFSKBBOTFIBSJIBSJ4FMBJOJUVQFNJMJIBOKFOJTQFMBUJIBO UFLOJLBM KVHB MFCJI EJTFCBCLBO PMFI QFSJMBLV LFSKB QBEB LPNQFUFOTJ ZBOH EJUJOHLBULBO NFMBMVJ QFMBUJIBO KFOJT JOJ NFSVQBLBOQFSJMBLVLFSKBZBOHoverEBOCJTBEJBNBUJPMFI BUBTBOMBOHTVOHQBSBQFTFSUB



5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO IBT DPOEVDUFE FWBMVBUJPOTBUUIJTMFWFMGPSUSBJOJOHUIBUBSFXPSLUFDIOJDBM TVQQPSUJOOBUVSF5IFTFMFDUJPOPGUIJTUZQFPGUSBJOJOHJT NPUJWBUFECZUIFUSBJOJOHTMFWFMPGJNQPSUBODFJOJNQSPWJOH FNQMPZFFT DPNQFUFODF JO EBJMZ XPSL XIFSF FNQMPZFFT DBOEJSFDUMZBQQMZUIFUSBJOJOHNBUFSJBMTJOUIFJSEBJMZXPSL *OBEEJUJPO UIFEFDJTJPOPGUFDIOJDBMUSBJOJOHUZQFJTBMTP DBVTFECZUIFXPSLCFIBWJPSPOUIFJNQSPWFEDPNQFUFODF UISPVHI UIJT UZQF PG USBJOJOH JT B XPSL CFIBWJPS UIBU JT PWFSBOEDBOCFPCTFSWFECZUIFEJSFDUTVQFSWJTPSPGUIF QBSUJDJQBOUT



1FOHVLVSBOZBOHCJBTBEJMBLVLBOPMFI%JWJTJ1FOEJEJLBO 1FMBUJIBOBEBMBIEFOHBONFOHJSJNLBOLVFTJPOFSMFNCBS PCTFSWBTJLFQBEBQBSBQFTFSUBTBBUQFOVUVQBOQFMBUJIBO VOUVL EJTFSBILBO LFQBEB BUBTBO MBOHTVOH QBSB QFTFSUB QFMBUJIBO 4FMBOKVUOZB TFUFMBI TBUV CVMBO EBSJ XBLUV QFMBUJIBO QBSB BUBTBO MBOHTVOH EBSJ QFTFSUB QFMBUJIBO NFMBLVLBOQFOHBNBUBOUFSIBEBQLJOFSKBQBSBQFTFSUBOZB ZBOHEJUJOEBLMBOKVUJEFOHBONFMBLVLBOQFOJMBJBOUFSIBEBQ LJOFSKB QBSB QFTFSUB TFUFMBI QFMBUJIBO 1FOFOUVBO XBLUV QFOHVLVSBO TBUV CVMBO TFKBL QFMBUJIBO CFSMBOHTVOH EJMBLVLBO VOUVL NFNCFSJLBO LFTFNQBUBO UFSMFCJI EBIVMVQBSBQFTFSUBEBMBNNFOHBQMJLBTJLBONBUFSJZBOH EJEBQBULBO QBEB TBBU QFMBUJIBO EBMBN QFLFSKBBOOZB TFIBSJIBSJ TFIJOHHBQFOHVLVSBOLJOFSKBQBTDBQFMBUJIBO CJTBEJMBLVLBO



5IFFWBMVBUJPOUIBUJTVTVBMMZQFSGPSNFECZUIF&EVDBUJPO BOE 5SBJOJOH %JWJTJPO JT CZ TFOEJOH PCTFSWBUJPO TIFFU RVFTUJPOOBJSFT UP UIF QBSUJDJQBOUT BU UIF DMPTJOH PG UIF USBJOJOH UP CF TVCNJUUFE UP UIF JNNFEJBUF TVQFSWJTPS PG UIF USBJOJOH QBSUJDJQBOU 'VSUIFSNPSF  POF NPOUI BGUFS UIF USBJOJOH UJNF  UIF EJSFDU TVQFSWJTPS PG UIF USBJOJOH QBSUJDJQBOU PCTFSWFT UIF QFSGPSNBODF PG UIF QBSUJDJQBOUT XIJDIXFSFGPMMPXFEVQCZBTTFTTJOHUIFQFSGPSNBODFPG UIFQBSUJDJQBOUTBGUFSUIFUSBJOJOH5IFEFUFSNJOBUJPOPGPOF NPOUI FWBMVBUJPO UJNF BGUFS UIF USBJOJOH JT VOEFSUBLFO UP QSPWJEF UIF PQQPSUVOJUZ GPS UIF QBSUJDJQBOUT UP BQQMZ UIF NBUFSJBMTPCUBJOFEEVSJOHUIFUSBJOJOHJOUIFJSEBJMZXPSL  UIFSFGPSFQPTUUSBJOJOHQFSGPSNBODFNFBTVSFNFOUDBOCF DPOEVDUFE



/BNVO TFKBVI JOJ %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO NBTJI NFOFNVJ LFOEBMB EBMBN QFOHVLVSBO MFWFM JOJ  ZBJUV EBSJ -FNCBS &WBMVBTJ ZBOH EJLJSJNLBO LFQBEB QBSB QFTFSUB EBO BUBTBOOZB IBOZB  TBKB ZBOH EJLFNCBMJLBO LFQBEB %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO  TFIJOHHB QFOHVLVSBO IBOZB ZBOH EJMBLVLBO BEBMBI EBMBN CFOUVL TBNQMJOH EBO UJEBL EBQBU NFOHVLVS QFOJOHLBUBO LPNQFUFOTJTFMVSVIQFTFSUBQFMBUJIBOin house



)PXFWFS  UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO PG JT TUJMM FODPVOUFSJOH QSPCMFNT JO UIJT FWBMVBUJPO MFWFM  OBNFMZ GSPNUIF&WBMVBUJPO4IFFUUIBUBSFTFOUUPUIFQBSUJDJQBOUT BOE UIFJS TVQFSWJTPST  POMZ  BSF SFUVSOFE UP UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO  UIFSFGPSF UIF FWBMVBUJPO DBOPOMZCFDBSSJFEPVUJOUIFGPSNPGTBNQMJOHBOEVOBCMF UPNFBTVSFUIFJODSFBTFJODPNQFUFODFPGBMMQBSUJDJQBOUT PGUIFJOIPVTFUSBJOJOH

 d. Evaluasi Training Level 4: Business Impact  &WBMVBTJ MFWFM  NFSVQBLBO  FWBMVBTJ ZBOH NFOHVLVS TFKBVINBOBtrainingZBOHEJMBLVLBONFNCFSJLBOEBNQBL IBTJM result  UFSIBEBQ QFOJOHLBUBO LJOFSKB QBSB QFTFSUB IBTJM QFMBUJIBO  VOJU LFSKB  NBVQVO QFSVTBIBBO TFDBSB LFTFMVSVIBO ,BSFOB SFTVMU ZBOH EJQFSPMFI TFSJOHLBMJ NFSVQBLBO TFTVBUV ZBOH TBOHBU TVMJU VOUVL EJLVBOUJmTJS  NJTBMOZB QFOJOHLBUBO LVBMJUBT LFSKB  QSPEVLUJWJUBT ZBOH

d. Evaluation of Training Level 4: Business Impact  5IFMFWFMFWBMVBUJPOJTBOFWBMVBUJPOUPNFBTVSFUIFFYUFOU PGUSBJOJOHDPOEVDUFEUPQSPWJEFBOJNQBDUSFTVMUUPXBSET UIF JODSFBTF PG QFSGPSNBODF PG UIF USBJOJOH QBSUJDJQBOUT  XPSL VOJUT  BOE UIF DPNQBOZ BT B XIPMF #FDBVTF UIF SFTVMU PCUBJOFE JT PGUFO TPNFUIJOH UIBU JT WFSZ EJGmDVMU UP RVBOUJmFE  TVDI BT JNQSPWFE RVBMJUZ PG XPSL  JODSFBTJOH QSPEVDUJWJUZ  JODSFBTF KPC TBUJTGBDUJPO  DPNNVOJDBUJPO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

260

SUMBER DAYA MANUSIA

TFNBLJO NFOJOHLBU  QFOJOHLBUBO LFQVBTBO LFSKB  FGFLUJWJUBT LPNVOJLBTJ  QFOVSVOBO UJOHLBU LFTBMBIBO  QFOJOHLBUBOLFSKBTBNBBOUBSQFHBXBJ EBOTFCBHBJOZB 

1FOHVLVSBO QBEB MFWFM JOJ SFODBOBOZB BLBO NVMBJ EJMBLVLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO QBEB 5SJXVMBO*7UBIVO

FGGFDUJWFOFTT EFDSFBTFFSSPSSBUFT JODSFBTFDPMMBCPSBUJPO BNPOHFNQMPZFFT BOETPPO



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 5BIVO  1FOEJEJLBO EBO 1FMBUJIBO ZBOH UFMBI EJTFMFOHHBSBLBOPMFI1FSTFSPBOVOUVLQFOHFNCBOHBO4%. BEBMBI TFCBOZBL  KFOJT 1FOEJEJLBO EBO 1FMBUJIBO ZBOH EJJLVUJPMFIQFTFSUB

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%JWJTJ QFOEJEJLBO EBO QFMBUJIBO UFMBI NFOZVTVO QSPHSBN QFMBUJIBO EBMBN CFOUVL Training Program Academy ZBOH NFOHBUVS QSPHSBN QFMBUJIBO QFHBXBJ CBOL bjb ZBOH EJTFTVBJLBO EFOHBO LFUFOUVBO TJTUFN grading ZBOH UFMBI EJUFUBQLBO PMFI %JWJTJ 4VNCFS %BZB .BOVTJB CFSEBTBSLBO LPNQFUFOTJKBCBUBO competency based 1SPHSBNQFMBUJIBO UFSTFCVUUFMBIEJBUVSEBMBN4VSBU,FQVUVTBO%JSFLTJ/P 4,%*31-5 UBOHHBM  0LUPCFS  UFOUBOH 1FEPNBO 1FSTZBSBUBO 1FMBUJIBO 1FHBXBJ CBOL bjb 4FTVBJ 4JTUFN Grading  EJNBOB QSPHSBN QFSTZBSBUBO QFMBUJIBO EJTVTVO VOUVLTFUJBQgradeZBOHEJCBHJEBMBN  1FMBUJIBO6UBNB  1FMBUJIBO1JMJIBO 5FLOJLBM Softskill EBO4FSUJmLBTJ

5IFFEVDBUJPOBOEUSBJOJOHEJWJTJPOIBTEFWFMPQFEBUSBJOJOH QSPHSBNJOUIFGPSNPG5SBJOJOH1SPHSBN"DBEFNZSFHVMBUJOH CBOLbjbFNQMPZFFUSBJOJOHQSPHSBNTUBJMPSFEUPUIFQSPWJTJPOT PGUIFHSBEJOHTZTUFNFTUBCMJTIFECZUIF%JWJTJPOPG)VNBO 3FTPVSDFT BOE CBTFE PO KPC DPNQFUFODZ DPNQFUFODZ CBTFE  5IF USBJOJOH QSPHSBN JT SFHVMBUFE JO UIF %FDSFF PG UIF#0%/P4,%*31-5EBUFE0DUPCFS PO UIF(VJEFMJOFTGPSCBOLbjb&NQMPZFF5SBJOJOH3FRVJSFNFOUT UISPVHIUIF(SBEJOH4ZTUFN XIFSFUIFUSBJOJOHSFRVJSFNFOUT QSPHSBNJTTUSVDUVSFEGPSFBDIHSBEFBOEEJWJEFEJOUP  .BJO5SBJOJOH  4FMFDUJWF5SBJOJOH 5FDIOJDBM 4PGUTLJMM BOE$FSUJmDBUJPO

#FSJLVU BEBMBI CFCFSBQB KFOJT QFMBUJIBO ZBOH TVEBI EJTFMFOHHBSBLBOTFMBNBUBIVO

5IF GPMMPXJOH BSF TFWFSBM UZQFT PG USBJOJOH XIJDI IBWF CFFO PSHBOJ[FEEVSJOH

No.

Diklat Grade 1

No.

Diklat Grade 1



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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

261 HUMAN RESOURCES

No.

Diklat Grade 1

No.

Diklat Grade 1



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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

262

SUMBER DAYA MANUSIA

No.

Diklat Grade 1

No.

Diklat Grade 1



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4BMFT4FSWJDF$IBNQJPO'PS$PTUVNFS4FSWJDF





4BT1SPHSBNNJOH

#JNUFL1FSQFT/P5I+PQFSQSFT/P5I5FOUBOH 1FOHBEBBO#BSBOH+BTB1FNFSJOUBI



4DIPPM0G#POET"OE'JYFE*ODPNF



#POE.BSLFU*OTUSVNFOU



4FMMJOH5FDIOJRVF'PS#BOLJOH1SPEVDU



$FHBI%FOEB-BQPSBO#BOL6NVN



4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM



$SFEJU"VEJU



4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU



$SFEJU3JTL"OBMZTJT



4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTTJOFT$POmEFODF



<FLVTJ+BNJOBO)VUBOH.JMJOH1FSCBOLBO



4FNJOBS/BTJPOBM,POTFQTJ"QMJLBTJ1SPHSBN#1+4,FTFIBUBO5FOBHB ,FSKB



(FOFSBUJPO:*O5IF8PSLQMBDF



)PX5P)BOEMF$PNQMBJOU1SPGFTTJPOBMMZ



4FNJOBS1PXFS1SPTQFDUJOH5FDIOJRVFT5P5SJQMF4BMFT



4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU.JLSP



4FNJOBS4FDSFUBSZ0G1TIZDPMPHZ"U8PSL



.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT



4FNJOBS4VSBU#FSIBSHB .POFZ.BSLFU %BO-JRVJEJUZ.BOBHFNFOU

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

263 HUMAN RESOURCES

No.

Diklat Grade 1



.FOZVTVO,FSBOHLB4USBUFKJL3FODBOB#JTOJT#BOL%BO.FOHVKJ"TVNTJ .FMBMVJ'JOBODJBM.PEFMMJOH



/BTJPOBM"TQFL)VLVN<FLVTJ"UBT+BNJOBO,SFEJU

No.

Diklat Grade 3



1VCMJD4QFBLJOH"OE1SFTFOUBUJPO4LJMM



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FMBUJPOTIJQ0GmDFS,13



/BTJPOBM1SPTFEVS%BO5FLIOJL"VEJU4%.





/BTJPOBM4FLSFUBSJT



3FMBUJPOTIJQ0GmDFS,PNFSTJBM



1BOEVBO.FODBQBJ($(1FSJOHLBU%BO6KJ4USBUFHJ.FMBMVJ3PPU $BVTFE1BEB3JTL0XOFS



4BMFT4FSWJDF$IBNQJPO'PS$PTUVNFS4FSWJDF



1BTBS.PEBM



4FMMJOH5FDIOJRVF'PS#BOLJOH1SPEVDU



1FOHFOEBMJBO(SBUJmLBTJ8IJTUMFCMPXJOH



4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM



1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO



4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTJOFTT$POmEFODF



1PXFSGVMM4LJMMT'PS.BSLFUJOH$PNNVOJDBUJPOT



2VBMJUZ"TTVSBODF



4FNJOBS1FSFLPOPNJBO.JEEMF*ODPNF5SBQ



2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO*OUFSOBM$POUSPM%BO .FNJUJHBTJ3JTJLP0QFSBTJPOBM4FKBMBO%FOHBO1CJ/P1CJ



4FSWJDF4FMMJOH4LJMM"OHLBUBO



4FSWJDF&YDFMMFODF4UBOEBS-BZBOBO$T



4LOCJ



5IF/E*OEPOFTJB.BSLFUFFST'FTUJWBM



5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF



5SBJOJOH#VTJOFTT-FHBM"OE$POUSBDU%SBGUJOH



5SBJOJOH401



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



6KJBO8BQFSE



8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO .FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH



8PSLTIPQ1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO



4FMVL#FMVL5SBEF'JOBODF%BMBN3BOHLB.FOJOHLBULBO'FF#BTFE *ODPNF



4JNVMBTJ*NQMFNFOUBTJ14",%BO1FSIJUVOHBO1FSQBKBLBO%BMBN 5SBOTBLTJ%BOB1JIBL,FUJHB#BOL

No.

Diklat Grade 2



%PDVNFOU$POUSPM"OE'JMMJOH4ZTUFN



31(*71SPHSBNNJOH#BTJD5P"EWBODF



0VUCPOE

No.

Diklat Grade 3



"DDPVOU0GmDFS,POTVNFS



"ENJOJTUSBTJ,SFEJU



"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



"LVOUBOTJ#BOL%BTBS



"DDPVOUJOH#FTU1SBDUJDFT



"OBMJTB,SFEJU,PNFSTJBM



"DDPVOU0GmDFS,POTVNFS"OHLBUBO



"DDPVOU0GmDFS.JLSP



#BTJD5SBEF'JOBODF"OHLBUBO

7

"QQSBJTBM1SPQFSUZ



$IBOHF"HFOU



#BTJD5SBEF'JOBODF



&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO



#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH



&GGFDUJWF5JNF.BOBHFNFOU



#JTOJT-FHBM

7

'JOBODJBM"DDPVOUJOH4ZTUFN%FWFMPQNFOU

#VEBZB1FSVTBIBBO#BHJ1FHBXBJ1FMBLTBOB



'JOBODJBM$POUSPM.BOBHFNFOU

$IBOHF"HFOU



'JOBODJBM1MBOOJOH 'PSFDBTUJOH #VEHFUJOH6TJOH.T&YDFM



$IBSBDUFS#VJMEJOH



(FOFSBM "GGBJST 1SPGFTTJPOBM 1SPHSBN  $PODFQU  4USBUFHZ "OE *NQMFNFOUBUJPO



$POTVMUBUJWF4FMMJOH'PS#BOLJOH



)PX5P$SFBUF-4.,8JUI9#3-



$SFEJU3FWJFXFS.JLSP



)VLVN,POUSBL,POTUSVLTJ



'JOBODJBM.PEFMMJOH'PS#BOLT



,VQBT5VOUBT1FOFSBQBO14",



(SBQIPOPNZ



0VUCPOE



,FTFLSFUBSJBUBO



"LVOUBOTJ1SPEVL%FWJTB



.FOUBMJUZ#PPTUFS5SBJOJOH



&GGFDUJWF$PNNVOJDBUJPO*OUFSQFSTPOBM4LJMMT



.JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU



,FJLVUTFSUBBO1PSUGPMJP.JLSP4FDBSB$FQBU%BO"NBO



0QFSBTJPOBM#BOL%BTBS



.BOBKFNFO,PQFSBTJ



0VUCPOE



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH



$PSQPSBUF-FHBM#BOLJOH4IPSU$PVSTF



1PXFSGVMM4LJMM'PS.BSLFUJOH$PNNVOJDBUJPO



.BOBHFNFOU$BSFFS



30,PNFSTJBM"OHLBUBO



4FMMJOH5FDIOJRVF'PS#BOLJOH1SPEVDU

 

No.

Diklat Grade 4

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

264

SUMBER DAYA MANUSIA

No.

Diklat Grade 4

No.

Diklat Grade 5



30,13"OHLBUBO



&WBMVBTJ,JOFSKB4,/#*



4USFTT.BOBHFNFOU



&YFDVUJWF$PSQPSBUF-BX



5FNVBO1FSNBTBMBIBO1TBL  %BO1TBL



'JOBODJBM.PEFMMJOH'PS#BOLT



5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM



(BUIFSJOH%BO4IBSJOH*OGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOH(FOFSBTJII



5051SPHSBN#/15,*



IT1SPKFDU.BOBHFNFOU#BTFE0O1NCPL



8BQFSE



IT3JTL.BOBHFNFOU



8PSLTIPQ)PX5P)BOEMF$PNQMBJOU1SPGFTTJPOBMMZ



,FTFLSFUBSJBUBO



,OPX:PVS$VTUPNFS"OE"OUJ.POFZ-BVOESZ



,OPXJOH:PVSTFMG



.BOBKFNFO,PQFSBTJ



.BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN



.FBTVSFNFOU"QQSPBDI "." .PEFMJOH



.FOUBMJUZ#PPTUFS5SBJOJOH



/PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU



0%$1



0GmDF$IBOOFMJOH



0GmDFS1SPHSBN



0QFSBTJPOBM#BOL%BTBS



0QFSBUJPOBM3JTL.BOBHFNFOU



0VUCPOE$BCBOH#BMBSBKB



1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB



1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBO%BO ,FXBKJCBO 1FSQBKBLBO #VMBOBO 5BIVOBO 4FSUB 5BUBDBSB 1FOHJTJBO 415 5BIVOBO 11)8101#BEBO5BIVO1BKBL'PSNBU#BSV

No.       7 

Diklat Grade 5 %JHJUBM.BSLFUJOH "DDPVOU0GmDFS,POTVNFS "DDPVOUJOH#FTU1SBDUJDFT "ENJOJTUSBTJ,SFEJU "ENJOJTUSBTJ,SFEJU "LVOUBOTJ#BOL%BTBS "NB[JOH1VCMJD4QFBLJOH "OBMJT,13



"OBMJT,SFEJU,PNFSTJBM



"0,POTVNFS

  

"0.JLSP "QQSBJTBM1SPQFSUZ "TQFL)VLVN1FNCJBZBBO1FSVNBIBO4FLVSJUJTBTJ,13%J*OEPOFTJB



#BTJD%FSJWBUJWF



#BTJD-JGF4VQQPSU



#BTJD5SBEF'JOBODF



1FOHBEBBO#BSBOH%BO+BTB



#BTJD5SFBTVSZ.BOBHFNFOU



1FOJMBJBO %BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ %FOHBO 4JY 4JHNB .FUIPEF 6OUVL,FQVBTBO



#JTOJT-FHBM



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



#PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM



1PXFSGVMM%BUB"OBMZTJT"OE3FQPSUJOH8JUI&YDFM



$BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU



1SPEVDU,OPXMFEHF3FLTBEBOB



$IBOHF"HFOU



3FGSFTINFOU.BOBKFNFO3JTJLP



$PBDIJOH"OE$PVOTFMMJOH



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



$PBDIJOH"OE$PVOTFMMJOH4LJMM



3FMBUJPOTIJQ0GmDFS,13"OHLBUBO



$PNQMBJOU.BOBHFNFOU



30,PNFSTJBM



$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH



30,13



$POTVMUBUJWF4FMMJOH'PS#BOLJOH



4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM



$PSQPSBUF$VMUVSF



4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTJOFTT$POmEFODF



$PTU"OE#FOFmU"OBMZTJT



4LOCJ



$SFEJU3FWJFXFS.JLSP



4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH



$SFEJU3JTL.BOBHFNFOU





%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU

4USBUFHJ 1FOZFMBNBUBO  1FOZFMFTBJBO /QM 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU 1FSCBOLBO4XBTUB #6./#6./%



%FUFLTJ3JTJLP0QFSBTJPOBM%BO4USFTT5FTU.PEFM



4USBUFHZ.FNCBOHVO4PQ,1*#FSCBTJT#4$



%PDVNFOU$POUSPM"OE'JMMJOH4ZTUFN



4USFTT.BOBHFNFOU



&GGFDUJWF$PNNVOJDBUJPO4LJMM



4USVDUVSFE5SBEF'JOBODF



&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO

77

5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM



&GGFDUJWF5JNF.BOBHFNFOU



5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

265 HUMAN RESOURCES

No.

Diklat Grade 5

No.

Diklat Grade 6



5JNF.BOBHFNFOU



$BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU



5JNF.BOBHFNFOU



$FSUJmFE*OWFTUPS3FMBUJPOT



5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF



$IBOHF"HFOU



5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO



$PBDIJOH"OE$PVOTFMMJOH



5SBJOJOH401



$PBDIJOH"OE$PVOTFMMJOH4LJMM



5SFBTVSZ'PS0QFSBUJPO



$PNQFIFOTJWF$PSSFTQPOEFOU



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



$PNQMBJOU.BOBHFNFOU



6KJBO8BQFSE



$PNQMJBODF.BOBHFNFOU



8PSLTIPQ  ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO  4USBUFHJ %BMBN<QBOTJ6,.



$POUSPM0CKFDUJWF'PS*OGPSNBUJPO"OE3FMBUFE5FDIOPMPHZ'PVOEBUJPO



$PSQPSBUF$VMUVSF



$PSQPSBUF&WFOU.BOBHFNFOU



$SFEJU3FWJFXFS.JLSP



8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO



8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ



8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU .JLSP



$VTUPNFS/VSUVSJOH

8PSLTIPQ.FBTVSFNFOU"QQSPBDI "." .PEFMJOH



$VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU

8PSLTIPQ.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT



%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU

8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO .FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH



&GGFDUJWF(SBGPOPNJ ,:$"OUJ.POFZ-BVOEFSJOH



&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO



&GGFDUJWF5JNF.BOBHFNFOU



&NPOFZ



&WBMVBTJ1FMBLTBOBBO#BOL*OEPOFTJB4JTUFN-BZBOBO,BT #*4*-,



&WBMVBTJ1FMBLTBOBBO0QFSBTJPOBM1FSLBTBO



'PSFOTJD"DDPVOUJOH"OE*OWFTUJHBUF"VEJUJOH



'SBVE"VEJUJOH

"DDPVOU0GmDFS,POTVNFS



'SBVE"VEJUJOH

"DDPVOU0GmDFS.JLSP



'SBVE"VEJUJOH

"ENJOJTUSBTJ,SFEJU



'VOE5SBOTGFS1SJDJOH

"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



'VOEBNFOUBMT0G$PSQPSBUF'JOBODF

"LVOUBOTJ%FSJWBUJG%BO*OTUSVNFO,FVBOHBO-BJOOZB



)PX5P$SFBUF-4.,8JUI9#3-

"LVOUBOTJ1SPEVL%FWJTB



)VLVN,FQBJMJUBO

7

"OBMJT,13



)VLVN,POUSBL,POTUSVLTJ



"OBMJTB,SFEJU,PNFSTJBM





"16115

*EFOUJmLBTJ 1FSNBTBMBIBO %BMBN .FMBLVLBO 4FMG "TTFTTNFOU "UBT 5JOHLBU,FTFIBUBO#BOL4FSUB.FLBOJTNF,POTPMJEBTJ-BQPSBO5LT#BOL ,POWFOTJPOBM



"TTFU-JBCJMJUJFT.BOBHFNFOU "-."



*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



"TTFU-JBCJMJUZ.BOBHFNFOU 'JYFE*ODPNF"OE.JOJ3FQP



*OUFSOBUJPOBM5SBEF'JOBODJOH

#BTJD$VTUPEZ5SBJOJOH



*OUSPEVDUJPO5P"TTFU-JBCJMJUZ.BOBHFNFOU



#BTJD%FSJWBUJWF





#BTJD-JGF4VQQPSU

*OWFTUJHBTJ 'SBVE 1BEB #JTOJT .PCJMF #BOLJOH %BO 1FODFHBIBOOZB %FOHBO1FOFSBQBO.BOBKFNFO3JTJLPIT1FSCBOLBO



#BTJD5SBEF'JOBODF



*OWFTUPS$PNNVOJDBUJPO4IBSF)PMEFS.BOBHFNFU'PS1VCMJD$PNQBOZ



*40



IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



IT3JTL.BOBHFNFOU



+PC&WBMVBUJPO"OE%FWFMPQNFOU4BMBSZ



,FTFLSFUBSJBUBO



,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO 1FOHFOEBMJBO ',%,1

   

8PSLTIPQ/BTJPOBM"TQFL)VLVN<FLVTJ"UBT+BNJOBO,SFEJU



8PSLTIPQ 1FSTJBQBO *NQMFNFOUBTJ 5FLOPMPHJ ,BUV $IJQ /4*$$4  "EWBODF

 

8PSLTIPQ2VBMJUZ"TTVSBODF 8PSLTIPQ4FMVL#FMVL5SBEF'JOBODF%BMBN3BOHLB.FOJOHLBULBO 'FF #BTFE*ODPNF

No.      





Diklat Grade 6

#BTJD5SFBTVSZ.BOBHFNFOU



#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH



#JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL

  

#JTOJT-FHBM #PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM $BTI.BOBHFNFOU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

266

SUMBER DAYA MANUSIA

No.

Diklat Grade 6

No.

Diklat Grade 6



,OPXJOH:PVSTFMG



30,PNFSTJBM



,VQBT5VOUBT1FOFSBQBO14",



30,13



-FHBM%SBGUJOH"OE8SJUJOH



31(*71SPHSBNNJOH#BTJD5P"EWBODF



-PBO.POJUPSJOH4VQFSWJTJPO



31(*71SPHSBNNJOH'SPN#BTJD5P"EWBODF8PSLTIPQ



.BDSP&DPOPNJD"OBMZTJT



4BMFT1SFTFOUBUJPO4LJMM



.BOBHJOHIT3JTLo4FSJFT (3$*5(07



4BMFT1SFTFOUBUJPO4LJMM



.BOBHJOHIT3JTLo4FSJFT (3$*5(07



4DIPPM0G#POET"OE'JYFE*ODPNF



.BOBKFNFO,PQFSBTJ



4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM



.BOBKFNFO3JTJLP



4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU



.BOBKFNFO4USBUFHJT%BO1FOHBNCJMBO,FQVUVTBOEFOHBO.FUPEF"/1 ")1



4FNJOBS1-5&



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,$1



4FSWJDF-FBEFSTIJQ



4,/#*



4LOCJ %IO%BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB



4UBOEBSE0QFSBUJOH1SPDFEVSF



4USFTT.BOBHFNFOU



4USFTT5FTUJOH0O#BOLJOH3JTL&YQPTVSF



5BY4VNNJU



5FLOJL&GFLUJG1FOHBNBOBO/BTBCBI1FSCBOLBO5FSIBEBQ$ZCFS$SJNF



5FLOJL1SPUPLPMFS4FCBHBJ'VOHTJ1VCMJD3FMBUJPO



5FNVBO1FSNBTBMBIBO1TBL  %BO1TBL



5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM



5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS



5IF3JHIU8BZ0G%PJOH1PXFSGVM.BSLFUJOH3FTFBSDI



5JNF.BOBHFNFOU



5JNF.BOBHFNFOU



5PU4BMFTNBOTIJQ'PS4FSWJDF1FPQMF



5PU1SPHSBN#/15,*



5SBJOGPS5SBJOFS 505



5SBJOJOH"TQFL)VLVN4JOEJLBTJ1SPZFL+BMBO5PM



5SBJOJOH&NQIBUJD1SFTFOUJOH4IBSQFOFS



5SBJOJOH*OGPSNBUJPO5FDIOPMPHZ"VEJUJOH



5SBJOJOHIT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



5SBJOJOH,VQBT5VOUBT1QI#BEBO%BO,PSFLTJ'JTLBM



5SBJOJOH/FFE"OBMZTJT



5SBJOJOH1TJLPMPHJ%BO5FLOJL,PNVOJLBTJ"VEJU



5SBJOJOH4PQ



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



5SFBTVSZ.BOBHFNFOU



6KJ"LVSBTJ%BMBN.FOHIJUVOH .FOJMBJ %BO.FOHFWBMVBTJ*33##



6KJBO4FSUJmLBTJ$'&



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



.FBTVSFNFOU"QQSPBDI "." .PEFMJOH



.FOUBMJUZ#PPTUFS5SBJOJOH



.FUPEF1FOFHBLBO,FQBUVIBO1BEB*OUFSOBM1FSCBOLBO

77

.JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU



.PCJMF"QQMJDBUJPO%FWFMPQNFOU'PS"OESPJE



0GmDFS1SPHSBN



0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS



0QFSBUJPOBM3JTL.BOBHFNFOU



0QUJNJ[JOH0GmDFS4LJMMT



0VUCPOE$BCBOH#BMBSBKB



1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE



1FOHBEBBO#BSBOH%BO+BTBIT1FSCBOLBO



1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



1FSIJUVOHBO,FTFIBUBO#BOL



1FSQBKBLBOý11)1BTBM6QEBUF 415#FOUVL#BSV &4155BIVOý



1PXFSGVMM%BUBCBTF"OBMZTJT%BTICPBSE3FQPSUJOH8JUI&YDFM



1PXFSGVMM%BUBCBTF"OBMZTJT%BTICPBSE3FQPSUJOH8JUI&YDFM



1PXFSGVMM4LJMM'PS.BSLFUJOH$PNNVOJDBUJPO



1QO6QEBUF



1SJDF'PSFDBTUJOH"OE5SFBTVSZ3JTL$POUSPM



1SJPSJUZ#BOLJOH"OE8FBMUI.BOBHFNFOU



1SPEVDU,OPXMFEHF3FLTBEBOB



1SPGFTTJPOBM'JOBODJBM.PEFMMFS 1'.



1SPKFDU.BOBHFNFOU0GmDF



1SPKFDU.BOBHFNFOU0GmDF



1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS



1VCMJD4QFBLJOH"OE1SFTFOUBUJPO4LJMM



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



3FMBUJPOTIJQ0GmDFS,13



3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU



3JTL#BTFE"VEJU ,POTFQ%BO*NQMFNFOUBTJ



3JTL.BOBHFNFOU

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

267 HUMAN RESOURCES

No.

Diklat Grade 6

No.

Diklat Grade 7



6KJBO8BQFSE



.BOBKFNFO3JTJLP



6OEFSTUBOEJOH'90QUJPO#VTJOFTT1SBDUJDF



.BOBKFNFO3JTJLP



8FBMUI.BOBHFNFOU"OE'JOBODJBM1MBOOJOH



.BTUFSJOH*U1SPKFDU.BOBHFNFOU#BTFE0O1NCPL



8PSLTIPQ"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3



0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS



8PSLTIPQ"VEJU,IVTVT6OUVL1FOHVOHLBQBO,FDVSBOHBO*OUFSOBM



0VUCPOE



8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO



1FMBUJIBO&NPOFZ



8PSLTIPQ$PSQPSBUF'JOBODF



1FOHBEBBO#BSBOH%BO+BTBIT1FSCBOLBO



8PSLTIPQ$SFEJU"VEJU



1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$



8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ



1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB



8PSLTIPQ(FOFSBUJPO:*O5IF8PSLQMBDF



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



8PSLTIPQ*$""1



1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS



8PSLTIPQ*NQMFNFOUBTJ1SJOTJQ($(



4BMFT1SFTFOUBUJPO4LJMM



8PSLTIPQ ,FQBJMJUBO  %BNQBLOZB 5FSIBEBQ #BOL 4FMBLV ,SFEJUVS  /PWFNCFS



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4,/#*"OHLBUBO



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5PU1SPHSBN#/15,*



5SBJO'PS5SBJOFS 505



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8PSLTIPQ#1%4FMVSVI*OEPOFTJB%BMBN3BOHLB1FOJOHLBUBO,BQBTJUBT 1FNCJBZBBO1FSVNBIBO



8PSLTIPQ)BL5BOHHVOHBO



'JOBODJBM.PEFMMJOH'PS#BOLT



8PSLTIPQ1FOZVTVOBO-FHBM%SBGUJOH8SJUJOH1FSVTBIBBO



8PSLTIPQ1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO



8PSLTIPQ1PXFSGVMM4LJMMT'PS.BSLFUJOH$PNNVOJDBUJPOT



8PSLTIPQ2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO*OUFSOBM$POUSPM %BO .FNJUJHBTJ 3JTJLP 0QFSBTJPOBM 4FKBMBO %FOHBO 1#* /P  1#*



8PSLTIPQ 4JNVMBTJ *NQMFNFOUBTJ 1TBL  %BO 1FSIJUVOHBO 1FSQBKBLBO %BMBN5SBOTBLTJ%BOB1JIBL,FUJHB#BOL



8PSLTIPQ4USBUFHJ1FOVSVOBO/1-,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL .FOKBHB"TTFU#BOL



8PSLTIPQ5SBOTBLTJ1FOJMBJBO"HVOBO,SFEJU

No.

Diklat Grade 7



(BUIFSJOH%BO4IBSJOH*OGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOH(FOFSBTJ*J



IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



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,FTFLSFUBSJBUBO



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.BOBKFNFO,PQFSBTJ



$IBOHF"HFOU



.BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN



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.FBTVSFNFOU"QQSPBDI "NB .PEFMJOH



$PBDIJOH"OE$PVOTFMMJOH4LJMM



.FOUBMJUZ#PPTUFS5SBJOJOH



$PTU#FOFmU"OBMZTJT



/PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU

7

$SFEJU3FWJFXFS.JLSP



0%$1



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0GmDF$IBOOFMJOH



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0GmDFS1SPHSBN



*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF



0QFSBTJPOBM#BOL%BTBS



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0QFSBUJPOBM3JTL.BOBHFNFOU



*40



0VUCPOE$BCBOH#BMBSBKB



.BOBHJOHIT3JTL



1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB



.BOBKFNFO,PQFSBTJ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

268

SUMBER DAYA MANUSIA

No.

Diklat Grade 7

No.

Diklat Grade 7



1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBO%BO ,FXBKJCBO 1FSQBKBLBO #VMBOBO 5BIVOBO 4FSUB 5BUBDBSB 1FOHJTJBO 415 5BIVOBO 11)8101#BEBO5BIVO1BKBL'PSNBU#BSV



8PSLTIPQ4FMVL#FMVL5SBEF'JOBODF%BMBN3BOHLB.FOJOHLBULBO 'FF #BTFE*ODPNF



1FOHBEBBO#BSBOH%BO+BTB

No.

Diklat Grade 8



"DDPVOUJOH$PODFQU'PS$SFEJU"OBMZTJT



1FOJMBJBO %BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ %FOHBO 4JY 4JHNB .FUIPEF 6OUVL,FQVBTBO



"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



"LVOUBOTJ#BOL-BOKVUBO



1PXFSGVMM%BUB"OBMZTJT"OE3FQPSUJOH8JUI&YDFM



"LVOUBOTJ#BOL-BOKVUBO"OHLBUBO



1SPEVDU,OPXMFEHF3FLTBEBOB



"LVOUBOTJ1SPEVL%FWJTB



3FGSFTINFOU.BOBKFNFO3JTJLP



"-."



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB

7

"NB[JOH1VCMJD4QFBLJOH



3FMBUJPOTIJQ0GmDFS,13"OHLBUBO



"OBMJT,SFEJU,PNFSTJBM



30,PNFSTJBM



"OBMJTB#FCBO,FSKB%BO1FOZVTVOBO,1*



30,13



"OBMJTB,SFEJU,PNFSTJBM



4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM



"0,POTVNFS



4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTJOFTT$POmEFODF



"16115



4,/#*



"16115



4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH



"TTFU-JBCJMJUJFT.BOBHFNFOU "MNB



4USBUFHJ 1FOZFMBNBUBO  1FOZFMFTBJBO /1- 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU 1FSCBOLBO4XBTUB #6./#6./%



#BTJD4UBUJTUJD"OE%BUB"OBMZTJT



#BTJD5SBEF'JOBODF



#BTJD5SFBTVSZ'PS*OUFSOBM"VEJUPS



#BTJD5SFBTVSZ.BOBHFNFOU



#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH



#JTOJT-FHBM"OHLBUBO



#VJMEJOH:PVS)VNBO$BQJUBM$PNQFUJUJWFOFT5ISPVHI)3*4



$BTI.BOBHFNFOU



$FSUJmFE)VNBO3FTPVSDFT.BOBHFNFOU1SPGFTTJPOBM



$IBOHF"HFOU



$PSQPSBUF$VMUVSF



$PSQPSBUF-FHBM#BOLJOH4IPSU$PVSTF



$PTU#FOFmU"OBMZTJT



$SFEJU3FWJFXFS.JLSP"OHLBUBO



$VTUPNFS/VSUVSJOH



$VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU $VTUPNJ[FE7#OFU"41OFU

   77          

4USBUFHZ.FNCBOHVO401,1*#FSCBTJT#4$ 4USFTT.BOBHFNFOU 4USVDUVSFE5SBEF'JOBODF 5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM 5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF 5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO 5SBJOJOH401 5SFBTVSZ'PS0QFSBUJPO 5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU 6KJBO8BQFSE 8PSLTIPQ  ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6LN %BO  4USBUFHJ %BMBN<QBOTJ6LN



8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO





8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ



%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU



8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU .JLSP



&GGFDUJWF(SBGPOPNJ ,ZD"OUJ.POFZ-BVOEFSJOH



&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO



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8PSLTIPQ.FBTVSFNFOU"QQSPBDI "." .PEFMJOH



8PSLTIPQ.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT



8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO .FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH



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8PSLTIPQ/BTJPOBM"TQFL)VLVN<FLVTJ"UBT+BNJOBO,SFEJU



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8PSLTIPQ 1FSTJBQBO *NQMFNFOUBTJ 5FLOPMPHJ ,BUV $IJQ /4*$$4  "EWBODF



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8PSLTIPQ2VBMJUZ"TTVSBODF



(VBSBOUFF

  

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

269 HUMAN RESOURCES

No.

No.

Diklat Grade 8



)PX5P$SFBUF-4.,8JUI9#3-

Diklat Grade 8



2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO1FOFSBQBO*OUFSOBM$POUSPM



)140&5FLOJL.FNFOBOHLBO5FOEFS#BSBOH+BTB



3FGSFTINFOU.BOBKFNFO3JTJLP



)VLVN,FQBJMJUBO



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



)ZQOPTFMMJOH



3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU



*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



30,PNFSTJBM



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30,13



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4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU



4FNJOBS1PXFS1SPTQFDUJOH5FDIOJRVFT5P5SJQMF4BMFT



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4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



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4USFTT5FTUJOH0O#BOLJOH3JTL&YQPTVSF



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4USVDUVSFE5SBEF'JOBODF



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77       

1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB 1FOJMBJBO"TTFU"QSBJTBM1FSVTBIBBO 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH

11-8BQFSE 1SJPSJUZ#BOLJOH"OE8FBMUI.BOBHFNFOU 1SPDVSFNFOU1VSDIBTJOH.BOBHFNFOU 1SPEVDU,OPXMFEHF3FLTBEBOB



1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS



1VCMJD4QFBLJOH"OE1SFTFOUBUJPO4LJMM



IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



/FFET"OBMZTJT



401

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

270

SUMBER DAYA MANUSIA

No.

Diklat Grade 8

No.

Diklat Grade 9



5SFBTVSZ'PS0QFSBUJPO



'JOBODJBM.PEFMMJOH'PS#BOLT



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



'JOBODJBM.PEFMMJOH'PS$PSQPSBUF#VEHFUJOH$POTPMJEBUJPO



5SFBTVSZ.BOBHFNFOU



'JOBODJBM.PEFMMJOH'VOEBNFOUBM"OE4FOTJUJWJUZ4DFOBSJP



6KJBO4FSUJmLBTJ$'&



'VOE5SBOTGFS1SJDJOH



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



)VLVN,FUFOBHBLFSKBBO)VCVOHBO*OEVTUSJBM



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



)ZQOPTFMMJOH



8BQFSE



*$$0QJOJPOT"OE-FBEJOH$PVSU$BTFT



8FBMUI.BOBHFNFOU"OE'JOBODJBM1MBOOJOH



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8PSLTIPQ"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3



,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU.JLSP



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-FHBM%SBGUJOH8SJUJOH



#JNUFL 1FSQFT /P  5I  +PQFSQSFT /P  5I  5FOUBOH 1FOHBEBBO#BSBOH+BTB1FNFSJOUBI



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0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS"OHLBUBO



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0VUCPOE



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1FOJMBJBO"TTFU"QSBJTBM1FSVTBIBBO



1FOZVTVOBO401



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH

No.

Diklat Grade 9



 ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO  4USBUFHJ %BMBN <QBOTJ6,.



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1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO



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1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH



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"LVOUBOTJ#BOL-BOKVUBO



1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS



"LVOUBOTJ1SPEVL%FWJTB



3FGSFTINFOU.BOBKFNFO3JTJLP

7

"OBMJTB1FNCJBZBBO,SFEJU*OWFTUBTJ)PUFM



30,PNFSTJBM"OHLBUBO



"16115



4BMFT1SFTFOUBUJPO4LJMM

"16115



4BMFT1SFTFOUBUJPO4LJMM



"TTFU-JBCJMJUJFT.BOBHFNFOU "-."



4"41SPHSBNNJOH



#BOL(BSBOTJ4VSFUZ#POE4UBOECZ-$



4FNJOBS5SBEJOH'SBVET*O"O6ODFSUBJO&DPOPNJD$MJNBUF



#BTJD5SFBTVSZ.BOBHFNFOU



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



$PTU#FOFmU"OBMZTJT



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



$VTUPNFS/VSUVSJOH



4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ"OHLBUBO



&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO



4FSWJDF-FBEFSTIJQ



<FLVTJ+BNJOBO)VUBOH.JMJL1FSCBOLBO



4,/#*"OHLBUBO



&WBMVBTJ%BO1FOFOUVBO-PLBTJ+BSJOHBO



4,/#*"OHLBUBO



bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

271 HUMAN RESOURCES

No.

Diklat Grade 9

No.

Diklat Grade 10



4NBSU"OE)ZQOPTFMMJOH



-JRVJEJUZ.BOBKFNFO



4USBUFHJ"OUJ'SBVE#BOLJOH



.BOBKFS-JOJ1FSUBNB



4USBUFHJ1FOBHJIBO1JVUBOH.BDFU



.BOHFS-JOJ1FSUBNB .-1



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0VUCPOE



4UVEJ,FMBZBLBO*OWFTUBTJ



1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB



4VQQMZ$IBJO



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5FLOJL1FOZVTVOBO401



"TTFU-JBCJMJUJFT.BOBHFNFOU "-."



5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM



$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS



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5JNF.BOBHFNFOU



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5051SPHSBN#/15,*



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5SBJOJOH$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ



/PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU



5SBJOJOH&NQIBUJD1SFTFOUJOH4IBSQFOFS



1FSIJUVOHBO,FTFIBUBO#BOL



5SBJOJOH'PS5SBJOFST



1SPCMFN4PMWJOH%FDJTJPO.BLJOH

77

5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ8BQFSE



4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO 5FLIOJL-JUJHBTJ



5SBJO'PS5SBJOFS 505



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH



1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH



1SPEVDU,OPXMFEHF3FLTBEBOB



3FGSFTINFOU.BOBKFNFO3JTJLP



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



4BMFT1MBO



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ



4FSWJDF-FBEFSTIJQ



4LOCJ"OHLBUBO



4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH



4USBUFHJ"OUJ'SBVE#BOLJOH



4USFTT.BOBHFNFOU



5FLOJL.FUPEF)140&"UBT1FOHBEBBO#BSBOH+BTB



5PU4BMFTNBOTIJQ'PS4FSWJDF1FPQMF



5SBJOJOH$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ



5SBJOJOH1TJLPMPHJ%BO5FLOJL,PNVOJLBTJ"VEJU



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ8BQFSE



6KJBO8BQFSE



8BQFSE

No.

Diklat Grade 10



"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



"-."

    7      

"16115 #BTJD"VEJU5FDIOJRVFT5PPMT'PS/FX"VEJUPS #BTJD-JGF4VQQPSU #BTJD5SBEF'JOBODF #FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH $BSB-JHBU.FMBLTBOBLBO1IL5BOQB,POnJL $BTI.BOBHFNFOU $FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS $PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH $PSQPSBUF$VMUVSF $VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU



&GGFDUJWF/FHPUJBUJPO4LJMM



&GGFDUJWF1SFTFOUBUJPO4LJMM

        

&OUFSQSJTF3JTL.BOBHFNFOU 'JOBODJBM.PEFMMJOH'PS#BOLT (PPE$PSQPSBUF(PWFSOBODF )ZQOPTFMMJOH *NQMFNFOUBTJ5ISFF-JOFT0G%FGFODF *OUFSNFEJBUF$SFEJU"OBMZTJT IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0, ,OPXJOH:PVSTFMG -FHBM%SBGUJOH8SJUJOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

272

SUMBER DAYA MANUSIA

No.

Diklat Grade 10

No.

Diklat Grade 11



$PSQPSBUF'JOBODF



1BZNFOU"OE$BTI.BOBHFNFOU



(FOFSBUJPO:*O5IF8PSLQMBDF



1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB



.FOJOHLBULBO1FOHFMPMBBO3JTJLP,SFEJU



1FMBUJIBO"LVOUBOTJ#BOL-BOKVUBO"OHLBUBO



/BTJPOBM"TQFL)VLVN<FLVTJ"UBT+BNJOBO,SFEJU



1FMBUJIBO"NB[JOH1VCMJD4QFBLJOH



1FSGPSNBODF$PBDIJOH-FBEFS*O"DUJPO



1FMBUJIBO"16115



1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO



1FMBUJIBO"TTFU-JBCJMJUJFT.BOBHFNFOU "-."



1FMBUJIBO#BOL(BSBOTJ4VSFUZ#POE4UBOECZ-$



1FMBUJIBO*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



1FMBUJIBO*OUSPEVDUJPO5P4XJGU*O5IF1BZNFOU.BSLFU



,POUSPM*OUFSOBM$BCBOH



.BOBHFSJBM"DDPVOUJOH



.BOBKFNFO,PQFSBTJ



/PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU



0%$1



1SPCMFN4PMWJOH%FDJTJPO.BLJOH



4FSUJmLBTJ%JSFLTJ#13"OHLBUBO



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB



4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO 5FLIOJL-JUJHBTJ



5IF3JHIU8BZ0G%PJOH1PXFSGVM.BSLFUJOH3FTFBSDI



5SBJO'PS5SBJOFS 505



1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE



1FOJMBJBO"TTFU"QSBJTBM1FSVTBIBBO



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH



1SJOTJQ1SJOTJQ.FOHFOBM/BTBCBI



1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH



1SPEVDU,OPXMFEHF3FLTBEBOB



3FGSFTINFOU.BOBKFNFO3JTJLP



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU



4BMFT1MBO



4DIPPM0G#POET"OE'JYFE*ODPNF



4FNJOBS 'FXFS #JHHFS #PMEFS 'SPN .JOEMFTT &YQBOTJPO 5P 'PDVTFE (SPXUI



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ



4USBUFHJ1FOBHJIBO1JVUBOH.BDFU



5JNF.BOBHFNFOU



5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO

77

5SBJOJOH$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ

No.       7  

Diklat Grade 11 &UPT,FSKB1SPGFTJPOBM "DDPVOUJOH$PODFQU'PS$SFEJU"OBMZTJT "ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM "EWBODF(PPE$PSQPSBUF(PWFSOFODF ($( 'PS#BOLJOH "-." "16115 "TQFL)VLVN,FQBJMJUBO "TTFU-JBCJMJUJFT.BOBHFNFOU "-."

"VEJU-FOHLBQ"UBT5FLOPMPHJ4JTUFN*OGPSNBTJ



#BTJD"VEJU5FDIOJRVFT5PPMT'PS/FX"VEJUPS



#JNCJOHBO5FLOJT-FHBM%SBGUJOH



#PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM



#VJME&GGFDUJWF$PNNVOJDBUJPO5P*NQSPWF$1$5



$BTI.BOBHFNFOU



$PSQPSBUF-BX



$PTU#FOFmU"OBMZTJT



$VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU



%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU



&GGFDUJWF/FHPUJBUJPO4LJMM



&GGFDUJWF1SFTFOUBUJPO4LJMM



'PSFOTJD"DDPVOUJOH"OE*OWFTUJHBUF"VEJUJOH



(SBQIPOPNZ



)140&5FLOJL.FNFOBOHLBO5FOEFS#BSBOH+BTB



)ZQOPTFMMJOH



*OUFSNFEJBUF&#BOLJOH



*OUFSOBUJPOBM#BOL(VBSBOUFF



*OWFTUPS$PNNVOJDBUJPO4IBSF)PMEFS.BOBHFNFU'PS1VCMJD$PNQBOZ



IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO 1FOHFOEBMJBO ',%,1



,OPXJOH:PVSTFMG



-FHBM"VEJU"OE-FHBM0QJOJPO%SBGUJOH



-FHBM%SBGUJOH"OE8SJUJOH



.BTUFSJOH"TTFU-JBCJMJUZ.BOBHFNFOU



.FOUBMJUZ#PPTUFS5SBJOJOH



/FHPUJBUJPO4LJMMT'PS#BOLFST



0VUCPOE

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

273 HUMAN RESOURCES

No.

Diklat Grade 11

No.

Diklat Grade 12



5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU



1SPCMFN4PMWJOH%FDJTJPO.BLJOH



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH



6KJBO4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB



3FGSFTINFOU.BOBKFNFO3JTJLP



6KJBO4FSUJmLBTJ8BQFSE



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



6KJBO8BQFSE



4BMFT1MBO



8BQFSE



4DIPPM0G$BQJUBM.BSLFU#POE



8PSLTIPQ  ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO  4USBUFHJ %BMBN<QBOTJ6,.



4FNJOBS 'FXFS #JHHFS #PMEFS 'SPN .JOEMFTT &YQBOTJPO 5P 'PDVTFE (SPXUI



8PSLTIPQ"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3



4FNJOBS/BTJPOBM#1%4*



8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ





8PSLTIPQ(FOFSBUJPO:*O5IF8PSLQMBDF

4FNJOBS/BTJPOBM,POTFQTJ"QMJLBTJ1SPHSBN#1+4,FTFIBUBO5FOBHB ,FSKB



8PSLTIPQ)BL5BOHHVOHBO



4FSUJmLBTJ%JSFLTJ#QS"OHLBUBO



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ1SPGFTJ%BQFO



4018SJUJOH*NQSPWFNFOU



4USBUFHJ"OUJ'SBVE#BOLJOH



4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO 5FLIOJL-JUJHBTJ



4USBUFHJD.BOBHFNFOU



4USFTT.BOBHFNFOU



4ZOEJDBUFE-PBO



5IF3JHIU8BZ0G%PJOH1PXFSGVM.BSLFUJOH3FTFBSDI



5PU1SPHSBN#/15,*



5SBJO'PS5SBJOFS 505



5SBJOJOH/FFE"OBMZTJT



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ1SPGFTJ%BQFO



8BQFSE



 ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO  4USBUFHJ %BMBN <QBOTJ6,.



#QE4FMVSVI*OEPOFTJB%BMBN3BOHLB1FOJOHLBUBO,BQBTJUBT1FNCJBZBBO 1FSVNBIBO



$FSUJmFE#FIBWJPS1SPmMMJOH$FSUJmFE)BOEXSJUJOH"OBMZTJT



)BL5BOHHVOHBO



*NQMFNFOUBTJ1SJOTJQ($(



,POUSBL 1FSCBOLBO %BO 1FOZFMFTBJBO 4FOHLFUB .FMBMVJ "SCJUSBTF %BO 1FOZFMFTBJBO4FOHLFUB

 

8PSLTIPQ ,FQBJMJUBO  %BNQBLOZB 5FSIBEBQ #BOL 4FMBLV ,SFEJUVS  /PWFNCFS 8PSLTIPQ ,POUSBL 1FSCBOLBO %BO 1FOZFMFTBJBO 4FOHLFUB .FMBMVJ "SCJUSBTF%BO1FOZFMFTBJBO4FOHLFUB



8PSLTIPQ 1FOHFOBMBO "MUFSOBUJG 1FOZFMFTBJBO 4FOHLFUB %J 4FLUPS +BTB ,FVBOHBO



8PSLTIPQ2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO*OUFSOBM$POUSPM %BO .FNJUJHBTJ 3JTJLP 0QFSBTJPOBM 4FKBMBO %FOHBO 1#* /P  1#*



8PSLTIPQ4USBUFHJ1FOVSVOBO/1-,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL .FOKBHB"TTFU#BOL

No.

Diklat Grade 12



"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



"16115



$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS



$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS



$PSQPSBUF#VEHFUJOH



&GGFDUJWF%FMFHBUJPO"OE5BTL.BOBHFNFOU

7

&GGFDUJWF5SBJOJOH%FTJHO



'VOE5SBOTGFS1SJDJOH



*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



*OUFSNFEJBUF&#BOLJOH



*OUFSOBUJPOBM#BOL(VBSBOUFF



*OWFTUPS$PNNVOJDBUJPO4IBSF)PMEFS.BOBHFNFU'PS1VCMJD$PNQBOZ



IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,



-FBEFSTIJQ.BOBHJOH1FPQMF



.BOBKFNFO,PQFSBTJ



,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU.JLSP



.BOHFS-JOJ1FSUBNB .-1



1FOZVTVOBO-BQPSBO%FXBO,PNJTBSJT:BOH,PNQSFIFOTJG%BO&GFLUJG



0QFSBUJPOBM3JTL.BOBHFNFOU



1FOZVTVOBO-FHBM%SBGUJOH8SJUJOH1FSVTBIBBO



0QUJNJ[JOH"OE.PUJWBUJOH$BSFFS8PNBO



1FSGPSNBODF$PBDIJOH-FBEFS*O"DUJPO



0VUCPOE



1FSTJBQBO*NQMFNFOUBTJ5FLOPMPHJ,BUV$IJQ /4*$$4 "EWBODF



1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB



2B4FCBHBJ5FLOJL1FOHVBUBO1FOFSBQBO*OUFSOBM$POUSPM



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



1FSGPSNBODF.FBTVSFNFOU"OE#BOLJOH.BOBHFNFOU6OJUFE,JOHEPN



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH

No. 

Diklat Grade 13 (MPCBM5BY$POGFSFODF"TJB1BTJmD

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

274

SUMBER DAYA MANUSIA

No.

Diklat Grade 13

No.

Diklat Grade 13



"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



"EWBODF(PPE$PSQPSBUF(PWFSOFODF ($( 'PS#BOLJOH



4USBUFHJD.BOBHFNFOU



"-."



5IF3JHIU8BZ0G%PJOH1PXFSGVM.BSLFUJOH3FTFBSDI



"16115



5SBJO'PS5SBJOFS 505



#BTFM*JJ.PEBM-JLVJEJUBT



5VSBSPVOE4USBUFHZ

7

#VJME&GGFDUJWF$PNNVOJDBUJPO5P*NQSPWF$1$5



8PSLTIPQ#VTJOFTT$POUSBDU%SBGUJOH



$BTI.BOBHFNFOU



1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE



$PNQMJBODF.BOBHFNFOU



1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ



$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH





$SFEJU3JTL.BOBHFNFOU

1FSBO #BOL  .FODFHBI %BO .FNCFSBOUBT 5116 %BO 5JOEBL 1JEBOB ,FKBIBUBO1FSCBOLBO



&GGFDUJWF%FMFHBUJPO"OE5BTL.BOBHFNFOU



1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH



1SPKFDU.BOBHFNFOU0GmDF



3FGSFTINFOU,FUFOUVBO%BO,FQBUVIBO1FSCBOLBO



3FGSFTINFOU.BOBKFNFO3JTJLP



3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB



3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU



4BMFT1MBO



4FNJOBS&YUSFNF1SPEVDUJWJUZ-FBEFSTIJQ



4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU



4FNJOBS/BTJPOBM,POTFQTJ"QMJLBTJ1SPHSBN#QKT,FTFIBUBO5FOBHB ,FSKB



4,/#*"OHLBUBO



4UBOEBSE0QFSBUJOH1SPDFEVSF



5BY4VNNJU



5FLOJL&GFLUJG1FOHBNBOBO/BTBCBI1FSCBOLBO5FSIBEBQ$ZCFS$SJNF



5IF/E*OEPOFTJB.BSLFUFFST'FTUJWBM



505)BSUB,FLBZBBO/FHBSB -),1/



5051SPHSBN#/15,*



5SBJOJOH.BOBHFNFOU0G/PO1FSGPSNJOH-PBOT



5SBJOJOH/FFE"OBMZTJT



5SBJOJOH401



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



8BQFSE

77

 ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO  4USBUFHJ %BMBN <QBOTJ6,.

       

&GGFDUJWF1SFTFOUBUJPO4LJMM &GGFDUJWF5SBJOJOH%FTJHO 'JOBODJBM$POUSPM.BOBHFNFOU 'VOE5SBOTGFS1SJDJOH )140&5FLOJL.FNFOBOHLBO5FOEFS1FOHBEBBO#BSBOH+BTB )VLVN,POUSBL,POTUSVLTJ *OUFSNFEJBUF&#BOLJOH *OUFSOBUJPOBM#BOL(VBSBOUFF



,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO 1FOHFOEBMJBO ',%,1



,OPXJOH:PVSTFMG



,VQBT5VOUBT1FOFSBQBO1TBL



-FBEFSTIJQ.BOBHJOH1FPQMF



-FBO4JY4JHNB'VOEBNFOUBM5SBJOJOH

       

-FHBM%SBGUJOH"OE8SJUJOH .BOBKFNFO1FSQVTUBLBBO .BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN /FHPUJBUJPO4LJMMT'PS#BOLFST 0QUJNJ[JOH"OE.PUJWBUJOH$BSFFS8PNBO 0VUCPOE 1FEPNBO5FLOJT1FOZVTVOBO%BO1FOFUBQBO4QFTJmLBTJ%BO)14 "QQSBJTBM1SPQFSUZ



$PSQPSBUF#VEHFUJOH



$VTUPNJ[FE7#OFU"41OFU



"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3



&NPOFZ



$BSB#JKBL.FMBLTBOBLBO1),5BOQB,POmL



*NQMFNFOUBTJ$43



$FSUJmFE#FIBWJPS1SPmMMJOH$FSUJmFE)BOEXSJUJOH"OBMZTJT



*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



$SFEJU3JTL"OBMZTJT



.BOBKFNFO"ENJOJTUSBTJ1FSLBOUPSBO.PEFSO



/BTJPOBM.POFZ-BVOESZ



.BOBKFNFO,PQFSBTJ



1FSTJBQBO*NQMFNFOUBTJ5FLOPMPHJ,BUV$IJQ /TJDDT "EWBODF



1BTBS.PEBM4ZBSJBI



2VBMJUZ"TTVSBODF



1FOHBEBBO#BSBOH%BO+BTB





1FOZVTVOBO401

4USBUFHJ 1FOVSVOBO /QM ,SFEJU ,POTVNFS  ,SFEJU 3FUBJM 6OUVL .FOKBHB "TTFU#BOL



1SPKFDU.BOBHFNFOU0GmDF



5SBOTBLTJ1FOJMBJBO"HVOBO,SFEJU



4FSUJmLBTJ%JSFLTJ#13"OHLBUBO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

275 HUMAN RESOURCES

No.

Diklat Grade 14

No.

Diklat Grade 14



"EWBODF(PPE$PSQPSBUF(PWFSOFODF ($( 'PS#BOLJOH



3FGSFTINFOU.BOBKFNFO3JTJLP#BOL5SBOTGFS1SJDJOH



"LVOUBOTJ1SPEVL%FWJTB



3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-%3%BO1SPmU#BOL



"OBMJTB#FCBO,FSKB%BO1FOZVTVOBO,1*



3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU



#BTJD%FSJWBUJWF





#JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL

4FNJOBS 'FXFS #JHHFS #PMEFS 'SPN .JOEMFTT &YQBOTJPO 5P 'PDVTFE (SPXUI



#PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM



4FNJOBS/BTJPOBM#QETJ



4FNJOBS0VUXBSE1PMJUJDBM%FGFODF1PTJTJ1PMJUJL&LPOPNJ#BOL*OEPOFTJB %BO0+,

7

#SBODI.BOBHFS%FWFMPQNFOU1SPHSBN



$BMPO"TTFTPS#JEBOH1FSCBOLBO



4FNJOBS3JTL.BOBHFNFOU6OUVL-FNCBHB,FVBOHBO/PO#BOL



$FSUJmFE#FIBWJPS1SPmMMJOH$FSUJmFE)BOEXSJUJOH"OBMZTJT



4FNJOBS5FOBHB,FSKB%BO#1+4



$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS



4FNJOBS5SBEJOH'SBVET*O"O6ODFSUBJO&DPOPNJD$MJNBUF



$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS



4FSUJmLBTJ%JSFLTJ#13



$IBOHF-FBEFSTIJQ



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



$PSQPSBUF#VEHFUJOH



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



$SFEJU3JTL.BOBHFNFOU



4USBUFHJ"OUJ'SBVE#BOLJOH



%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU



4USBUFHJD.BOBHFNFOU



%FUFLTJ3JTJLP0QFSBTJPOBM%BO4USFTT5FTU.PEFM



4VQQMZ$IBJO



&GGFDUJWF%FMFHBUJPO"OE5BTL.BOBHFNFOU



4ZOEJDBUFE-PBO



&GGFDUJWF1SFTFOUBUJPO4LJMM



5FLOJL"OBMJTB5SBOTBLTJ,FVBOHBO.FODVSJHBLBO



&YFDVUJWF$PNNFSDJBM#BOLJOH



5IF6TF0G*TMBNJT'JOBODF*OTUSVNFOU*O%FWFMPQNFOU'JOBODF



'JOBODJBM.PEFMMJOH'PS#BOLT



5SBJO'PS5SBJOFS 505



'VOE5SBOTGFS1SJDJOH



5SBJOJOH401



)BL5BOHHVOHBO



5VSBSPVOE4USBUFHZ



*NQMFNFOUBTJ5ISFF-JOFT0G%FGFODF



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



*OUFHSBUFE/FX1SPEVDU



*OUFSNFEJBUF&#BOLJOH



*OUFSOBUJPOBM#BOL(VBSBOUFF



*40



No.

Diklat Grade 15



#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH



$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH



&GGFDUJWF1SFTFOUBUJPO4LJMM

,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO 1FOHFOEBMJBO ',%,1



&NPOFZ



,OPX:PVS$VTUPNFS"OE"OUJ.POFZ-BVOESZ



&YFDVUJWF$PNNFSDJBM#BOLJOH



,OPXJOH:PVSTFMG



*OOPWBUJWF.BSLFUJOH4USBHUFHZ



,POGFSFOTJ/BTJPOBM7J*LBUBO"VEJUPS*OUFSO#BOL *"*#

7

,OPXJOH:PVSTFMG



-FBO4JY4JHNB'VOEBNFOUBM5SBJOJOH



.BTUFSJOH"TTFU-JBCJMJUZ.BOBHFNFOU



.BOBKFNFO1FSVCBIBO



0VUCPOE

.BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN



1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

.FDIBOJTN-FUUFS0G$SFEJU



1FMBUJIBO4USBUFHJD.BOBHFNFOU

.FOUBMJUZ#PPTUFS5SBJOJOH



4USVDUVSFE5SBEF'JOBODF



/BTJPOBM<FLVTJ+BNJOBO)VUBOH.JMJL1FSCBOLBO%BSJ1FSTQFLUJG-FMBOH



3FGSFTINFOU.BOBKFNFO3JTJLP



/FHPUJBUJPO4LJMMT'PS#BOLFST



3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-%3%BO1SPmU#BOL



0VUCPOE



4FNJOBS.FOJOHLBULBO1FSBO%BO,JOFSKB%BOB1FOTJVO



1FOEJEJLBO%BTBS1FOJMBJBO 1%1 #JTOJT



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



1FOEJEJLBO%BTBS1FOJMBJBOII1SPQFSUJ



5VSBSPVOE4USBUFHZ



1FOEJEJLBO-BOKVUBO1FOJMBJBO 1-1 1SPQFSUJ



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



1SPTQFL*OWFTUBTJ%BOB1FOTJVO-FNCBHB,FVBOHBO



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



2"4FCBHBJ5FLOJL1FOHVBUBO1FOFSBQBO*OUFSOBM$POUSPM



3FGSFTINFOU.BOBKFNFO3JTJLP

  

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

276

SUMBER DAYA MANUSIA

No.

Diklat Grade 16



#FODINBSLJOH4FTQJCBOL"OHLBUBO



&GGFDUJWF%FMFHBUJPO"OE5BTL.BOBHFNFOU



&GGFDUJWF1SFTFOUBUJPO4LJMM



&YFDVUJWF$PNNFSDJBM#BOLJOH

No.

Diklat Grade 18



5PU -BOKVUBO 1JMPUJOH 1FNCFOUVLBO 5VOBT *OUFHSJUBT %BO 1FNCBOHVOBO 4JTUFN*OUFHSJUBT0SHBOJTBTJ



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

No.

Diklat Grade 19



.BTUFSJOH"TTFU-JBCJMJUZ.BOBHFNFOU





0VUCPOE$BCBOH#FLBTJ



"EWBODF(PPE$PSQPSBUF(PWFSOFODF (DH 'PS#BOLJOH

3FGSFTINFOU.BOBKFNFO3JTJLP



"LVOUBOTJ"TVSBOTJ6QEBUF1TBL  

4FNJOBS 'FXFS #JHHFS #PMEFS 'SPN .JOEMFTT &YQBOTJPO 5P 'PDVTFE (SPXUI



"QQSBJTBM1SPQFSUZ



"TQFL)VLVN,FQBJMJUBO



"WPJEJOH$POnJDU0G*OUFSFTU*O*OUFSOBUJPOBM$PNNFSDJBM"SCJUSBUJPO"OE .FEJBUJPO

7 

(MPCBM5BY$POGFSFODF"TJB1BTJmD



4&41*#"/,



8PSLTIPQ.BOBKFNFO"TTFU#FSCBTJT5FLOPMPHJ



1FMBUJIBO4USBUFHJD.BOBHFNFOU

7

$BMPO"TTFTPS#JEBOH1FSCBOLBO

4USVDUVSFE5SBEF'JOBODF



$PNQMJBODF.BOBHFNFOU

 

3FGSFTINFOU.BOBKFNFO3JTJLP



$SFEJU3JTL.BOBHFNFOU



3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-ES%BO1SPmU#BOL



&SNB#BMJ*OUFSOBUJPOBM4FNJOBS0O&OUFSQSJDF3JTL.BOBHFNFOU



4FNJOBS.FOJOHLBULBO1FSBO%BO,JOFSKB%BOB1FOTJVO



&SNB#BMJ*OUFSOBUJPOBM4FNJOBS0O&OUFSQSJTF3JTL.BOBHFNFOU



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



&YFDVUJWF$PSQPSBUF-BX



5VSBSPVOE4USBUFHZ



(FOFSBUJPO:*O5IF8PSLQMBDF



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



*OUFSOBM2NT"VEJUPS5SBJOJOH



*OUFSOBUJPOBM$POGFSFODF0O(SPXUI4USBUFHJFT'PS"3JTJOH*OEPOFTJB



,OPXJOH:PVSTFMG



,POGFSFOTJ/BTJPOBM7J*LBUBO"VEJUPS*OUFSO#BOL *BJC



0VUCPOE



1FOFSBQBO(DH4FCBHBJ-BOEBTBO.FXVKVELBO#QE3FHJPOBM$IBNQJPOT



1FSGPSNBODF.FBTVSFNFOU"OE#BOLJOH.BOBHFNFOU



3FGSFTINFOU.BOBKFNFO3JTJLP



4FNJOBS 'FXFS #JHHFS #PMEFS 'SPN .JOEMFTT &YQBOTJPO 5P 'PDVTFE (SPXUI



4FNJOBS *BJ "TFBO *OUFHSBUFE "DDPVOUJOH 1SPGFTTJPO 'PS 4VTUBJOBCMF &DPOPNJD(SPXUI

No.    

Diklat Grade 17 #FODINBSLJOH4FTQJCBOL .BOBKFNFO*OWFTUBTJ%BOB1FOTJVO 0VUCPOE$BCBOH6UBNB#BOEVOH 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



3FGSFTINFOU.BOBKFNFO3JTJLP



4FSUJmLBTJ.BOBKFNFO6NVN%BOB1FOTJVO

7

4FTQJCBOL



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



0VUCPOE



1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



1FMBUJIBO4USBUFHJD.BOBHFNFOU



4USVDUVSFE5SBEF'JOBODF



3FGSFTINFOU.BOBKFNFO3JTJLP



3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-ES%BO1SPmU#BOL



4FNJOBS.FOJOHLBULBO1FSBO%BO,JOFSKB%BOB1FOTJVO



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



5VSBSPVOE4USBUFHZ



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

No.

Diklat Grade 18



4FNJOBS/BTJPOBM#QETJ



4FNJOBS0VUXBSE1PMJUJDBM%FGFODF1PTJTJ1PMJUJL&LPOPNJ#BOL*OEPOFTJB %BO0KL



4FNJOBS1FSFLPOPNJBO.JEEMF*ODPNF5SBQ



4FNJOBS1SPTQFL*OWFTUBTJ%BOB1FOTJVO&SB1FNFSJOUBIBO#BSV



4FNJOBS5FOBHB,FSKB%BO#QKT



4FNJOBS5SBEJOH'SBVET*O"O6ODFSUBJO&DPOPNJD$MJNBUF



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



4FTQJCBOL



4USVDUVSFE5SBEF'JOBODF



4VQQMZ$IBJO



0VUCPOE



5PU)BSUB,FLBZBBO/FHBSB -ILQO



1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM





4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

5PU -BOKVUBO 1JMPUJOH 1FNCFOUVLBO 5VOBT *OUFHSJUBT %BO 1FNCBOHVOBO 4JTUFN*OUFHSJUBT0SHBOJTBTJ



4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



.BOBHFNFOU0G/PO1FSGPSNJOH-PBOT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

277 HUMAN RESOURCES

Unit Penunjang Layanan SDM

HR Services Support Unit

1FOHFMPMBBO PQFSBTJPOBM EBO TUSBUFHJT EJMBLTBOBLBO PMFI ,BOUPS1VTBUDR%JWJTJ4VNCFS%BZB.BOVTJB1FOHFMPMBBO PQFSBTJPOBM EJMBLTBOBLBO QVMB QBEB TFUJBQ 6OJU ,FSKB PMFI 1FHBXBJZBOHNFMBLTBOBLBO'VOHTJ4VNCFS%BZB.BOVTJB

0QFSBUJPOBM BOE TUSBUFHJD NBOBHFNFOU JT DPOEVDUFE CZ UIF )FBE 0GmDF  )VNBO 3FTPVSDFT %JWJTJPO 0QFSBUJPOBM NBOBHFNFOU JT BMTP DBSSJFE PVU PO FBDI 8PSL 6OJU CZ &NQMPZFFTUIBU*NQMFNFOUUIF)VNBO3FTPVSDFT'VODUJPO

6OUVL NFOEVLVOH QFOHFMPMBBO 4%. ZBOH CBJL  %JWJTJ 4%. TBBU JOJ UFMBI NFOHHVOBLBO BQMJLBTJ Human Resource Information System )3*4  EBMBN QFOHFMPMBBO QFHBXBJOZB 4JTUFN JOJ EJCVBU TFNVEBI NVOHLJO BHBS EBQBU EJHVOBLBO PMFI QFHBXBJ  EJNBOB EBMBN TJTUFN JOJ QFHBXBJ EBQBU NFMBLVLBOTFHBMBTFTVBUVEFOHBOself service

5P TVQQPSU HPPE IVNBO SFTPVSDFT NBOBHFNFOU  UIF )3 %JWJTJPO DVSSFOUMZ VTFT UIF )VNBO 3FTPVSDF *OGPSNBUJPO 4ZTUFN )3*4 BQQMJDBUJPOJOUIFNBOBHFNFOUPGFNQMPZFFT 5IJT TZTUFN XBT DSFBUFE BT FBTZ BT QPTTJCMF GPS UIF VTF PG FNQMPZFFT XIFSFXJUIUIJTTZTUFN FNQMPZFFTDBODPOEVDU TFMGTFSWJDFT

"QMJLBTJ )3*4 UFSTFCVU OBOUJOZB EBQBU NFOHBLPNPEBTJ CFSCBHBJ NBDBN IBM ZBOH CFSIVCVOHBO EFOHBO 4%.  EJ BOUBSBOZB KBMVS LBSJS  QFOJMBJBO LJOFSKB  talent pool  EBO MBJO TFCBHBJOZB"QMJLBTJJOJBLBOUFSVTEJMBLVLBOQFOZFNQVSOBBO TFTVBJEFOHBOLFCVUVIBONBOBKFNFO

5IF )3*4 BQQMJDBUJPO XJMM BDDPNNPEBUF B XJEF SBOHF PG NBUUFST SFMBUFE UP IVNBO SFTPVSDFT  JODMVEJOH DBSFFS QBUIT  QFSGPSNBODF BQQSBJTBM  UBMFOU QPPM  BOE TP GPSUI 5IF BQQMJDBUJPO XJMM DPOUJOVF UP CF JNQSPWFE JO BDDPSEBODF XJUI UIFOFFETPGUIFNBOBHFNFOU

Kesempatan Kerja yang Sama disetiap Level Organisasi

Equal Employment Organizational level

4FUJBQQFHBXBJNFOEBQBULBOLFTFNQBUBOLFSKBZBOHTBNB 5FSLBJU EFOHBO LFOBJLBO KBCBUBO  TFUJBQ QFHBXBJ ZBOH UFMBI NFNFOVIJ QFSTZBSBUBO NFNJMJLJ IBL ZBOH TBNB VOUVL NFOEVEVLJKBCBUBOZBOHMFCJIUJOHHJEFOHBONFNQFSIBUJLBO LVBMJmLBTJ LPNQFUFOTJ EBO QFOHBMBNBO TFSUB LJOFSKB EBO QFSJMBLVQFHBXBJ

"MMFNQMPZFFTIBWFFRVBMFNQMPZNFOUPQQPSUVOJUJFT3FMBUFE UPQSPNPUJPO FNQMPZFFTXIPIBWFGVMmMMFEUIFSFRVJSFNFOUT IBWF FRVBM SJHIUT UP PDDVQZ IJHIFS QPTJUJPOT CZ UBLJOH JOUP BDDPVOUUIFDPNQFUFODFRVBMJmDBUJPOTBTXFMMBTFYQFSJFODF  QFSGPSNBODFBOECFIBWJPSPGUIFFNQMPZFFT

,VBMJmLBTJQFHBXBJVOUVLQSPNPTJLFUJOHLBUZBOHMFCJIUJOHHJ EJUFUBQLBO CFSEBTBSLBO QBSBNFUFS  LSJUFSJB  EBO NFLBOJTNF QFOJMBJBO ZBOH KFMBT EBO PCKFLUJG ,FQVUVTBOOZB NFOKBEJ XFXFOBOHNBOBKFNFO

2VBMJmDBUJPOTGPSUIFQSPNPUJPOUPIJHIFSMFWFMTBSFTQFDJmFE CBTFE PO DMFBS BOE PCKFDUJWF QBSBNFUFST  DSJUFSJB  BOE BTTFTTNFOUNFDIBOJTN5IFEFDJTJPOCFDPNFTUIFBVUIPSJUZ PGUIFNBOBHFNFOU

Jumlah Karyawan

Number of Employees

4BNQBJ EFOHBO  %FTFNCFS  UPUBM 4%. 1FSTFSPBO BEBMBITFCBOZBLPSBOHLBSZBXBO EFOHBOLFUFSBOHBO TFCBHBJCFSJLVU

"TPG%FDFNCFSUIFDPNQBOZTUPUBMIVNBOSFTPVSDFT JT FNQMPZFFT XJUIUIFGPMMPXJOHEFTDSJQUJPO

Opportunities

in

every

+VNMBILBSZBXBOCFSEBTBSLBO%JSFLUPSBU (SBEF  5PUBMPG&NQMPZFFTCBTFEPO(SBEJOH-FWFM 2012

2013

2014

((

Grade





4784

Grading Level ((

((





304

((

((





774

((

((





405

((

((





502

((

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

278

SUMBER DAYA MANUSIA

2012

2013

2014

((

Grade





119

Grading Level ((

((



77

103

((

((

7



6

((

((





24

((

4.881

6.395

7.021

Total

Jumlah

+VNMBI,BSZBXBO#FSEBTBSLBO-FWFM+BCBUBO 5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM Jenjang Manajemen

2010

2011

2012

2013

2014

.BOBKFNFO1VODBL









30

5PQ.BOBHFNFOU

.BOBKFNFO.BEZB









218

4FOJPS.BOBHFNFOU

.BOBKFNFO-JOJ

Management Level









1.677

+VOJPS.BOBHFNFOU

4UBGEBO-BJOOZB









5.096

4UBGGBOE0UIFST

Jumlah

2.048

2.121

4.881

6.395

7.021

Total

Working Period

+VNMBI,BSZBXBO#FSEBTBSLBO.BTB,FSKB 5PUBMPG&NQMPZFFTCBTFEPO8PSLJOH1FSJPE Masa Kerja

2010

2011

2012

2013

2014

5BIVO









5.822

:FBST

5BIVO









521

:FBST

W









343

:FBST

5BIVO









248

:FBST

5BIVO









87

:FBST

2.048

2.121

4.881

6.395

7.021

Total

Jumlah

+VNMBI,BSZBXBO#FSEBTBSLBO6TJB 5PUBMPG&NQMPZFFTCBTFEPO"HF Jenjang Usia 5BIVO

2010

2011

2012

2013

2014

Age Level









5.494

:FBST :FBST

5BIVO









1.023

5BIVO









429

:FBST









75

-FCJIEBSJ:FBST

2.048

2.121

4.881

6.395

7.021

Total

2010

2011

2012

2013

2014

Educational Level









2

%PDUPSBM









282

1PTU(SBEVBUF









5.341

6OEFSHSBEVBUF









1.376

%JQMPNB









17

4FOJPS)JHI4DIPPM









1

+VOJPS)JHI4DIPPM

-FCJIEBSJ5BIVO Jumlah

+VNMBI,BSZBXBO#FSEBTBSLBO1FOEJEJLBO 5PUBMPG&NQMPZFFTCBTFEPO&EVDBUJPO-FWFM Jenjang Pendidikan 4 1BTDB4BSKBOB4 4BSKBOBEBO4FEFSBKBU %JQMPNB 4FLPMBI-BOKVUBO5JOHLBU"UBT EBO4FEFSBKBU 4FLPMBI.FOFOHBI5JOHLBU 1FSUBNB 4FLPMBI%BTBS Jumlah

bank bjb Laporan Tahunan 2014

7







2

&MFNFOUBSZ4DIPPM

2.052

2.121

4.881

6.395

7.021

Total

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

279 HUMAN RESOURCES

+VNMBI,BSZBXBO#FSEBTBSLBO4UBUVT 5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM

4UBUVT 5FUBQ $BMPO1FHBXBJ Jumlah

2010

2011

2012

2013

2014

4UBUVT









5.655

1FSNBOFOU









1.366

1SPTQFDUJWF

2.048

2.121

4.881

6.395

7.021

Total

Jumlah Karyawan Berdasarkan Level Jabatan

Jumlah Karyawan Berdasarkan Level Jabatan

5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM

5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM

 

  

72,58%

.BOBKFNFO1VODBL 5PQ.BOBHFNFOU

 

.BOBKFNFO1VODBL 5PQ.BOBHFNFOU

.BOBKFNFO.BEZB 4FOJPS.BOBHFNFOU

.BOBKFNFO.BEZB 4FOJPS.BOBHFNFOU



.BOBKFNFO-JOJ +VOJPS.BOBHFNFOU 4UBGEBO-BJOOZB 4UBGGBOE0UIFST



.BOBKFNFO-JOJ +VOJPS.BOBHFNFOU 4UBGEBO-BJOOZB 4UBGGBOE0UIFST



Jumlah Karyawan Berdasarkan 6TJB

Jumlah Karyawan Berdasarkan 6TJB

5PUBMPG&NQMPZFFTCBTFEPO"HF

5PUBMPG&NQMPZFFTCBTFEPO"HF

 

78,25%



 

5BIVO:FBST

5BIVO:FBST

5BIVO:FBST

5BIVO:FBST

  5BIVO:FBST

5BIVO:FBST

 -FCJIEBSJ5BIVO .PSFUIBO:FBST





Jumlah Karyawan Berdasarkan Status

Jumlah Karyawan Berdasarkan Status

5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM

5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM

-FCJIEBSJ5BIVO .PSFUIBO:FBST



80,54%

 

5FUBQ 1FSNBOFOU $BMPO1FHBXBJ 1SPTQFDUJWF



5FUBQ 1FSNBOFOU $BMPO1FHBXBJ 1SPTQFDUJWF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

280

SUMBER DAYA MANUSIA

Biaya Pengembangan Kompetensi Karyawan selama tahun 2014

Expenses of Employee Competence Development during 2014

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

'VOEJOH VTFE UP TVQQPSU UIF JNQMFNFOUBUJPO PG USBJOJOHT JT BEKVTUFE UP UIF $PNQBOZT QSPHSBNT XJUI SFHBSE UP UIF BQQMJDBCMFSFHVMBUJPOT5IFUPUBMUSBJOJOHCVEHFUCBTFEPOUIF QSPWJTJPOTPG#BOL*OEPOFTJB$JSDVMBS-FUUFS/P611# POUIF1SPWJTJPOPG'VOEGPS)VNBO3FTPVSDFT%FWFMPQNFOU PG$PNNFSDJBM#BOLTBOE#BOL*OEPOFTJB%FDSFF/P ,&1%*3 EBUFE  .BSDI  PO UIF 1SPWJTJPO PG 'VOE GPS UIF%FWFMPQNFOUPG)VNBO3FTPVSDFTPG$PNNFSDJBM#BOLT XIFSFFEVDBUJPOGVOEPGBUMFBTUTIPVMECFQSPWJEFEGSPN UIF)VNBO3FTPVSDFTCVEHFUFYQFOEJUVSF

"QBCJMB EBOB 1FMBUJIBO UFSTFCVU NBTJI UFSTJTB  NBLB CBOL EBQBU NFOBNCBILBO EBOB QFMBUJIBO UFSTFCVU LF BOHHBSBO EBOB QFMBUJIBO UBIVO CFSJLVUOZB #FSJLVU BEBMBI EBTBS QFSIJUVOHBOBOHHBSBO1FMBUJIBOUBIVO

5IF SFNBJOEFS PG USBJOJOH GVOE DBO CF BEEFE UP OFYU ZFBST USBJOJOHCVEHFU#FMPXJTUIFCBTJDDBMDVMBUJPOPGUIFUSBJOJOH CVEHFUJO

No.

Keterangan

Total (Rp)

"OHHBSBO5BIVO 3Q

72.000.000.000

#VEHFU 3Q



3FBMJTBTJQFS%FTFNCFS 3Q

54.055.554.975

3FBMJ[BUJPOBTQFS%FDFNCFS  3Q



1SFTFOUBTF 

75,08

1FSDFOUBHF 



Description

%FOHBOEFNJLJBO BOHHBSBOQFMBUJIBOZBOHEBQBUEJHVOBLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UBIVO  TFCBOZBL 3Q NJMJBS 5PUBM CJBZB LFHJBUBO QFOEJEJLBO EBO QFMBUJIBO ZBOHEJLFMVBSLBOPMFI%JWJTJ1FMBUJIBOTBNQBJ%FTFNCFS TFCFTBS3Q NJMJBS

5IVT  JO  UIF USBJOJOH CVEHFU UIBU XBT BCMF UP CF VTFE CZUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPOXBT3QCJMMJPO5IF UPUBM DPTU PG FEVDBUJPO BOE USBJOJOH BDUJWJUJFT JTTVFE CZ UIF 5SBJOJOH%JWJTJPOVOUJM%FDFNCFSXBT3QCJMMJPO

+VNMBI UFSTFCVU TFUBSB EFOHBO   EBSJ QSPZFLTJ CJBZB QFMBUJIBO UBIVO  UBOQB EJUBNCBI TJTB LVNVMBUJG UBIVO UBIVOTFCFMVNOZB4FEBOHLBOBQBCJMBEJUBNCBIEFOHBOTJTB BOHHBSBOUBIVOUFSDBQBJ 

5IJTBNPVOUJTFRVJWBMFOUUPPGUIFQSPKFDUFEDPTUPG UIF USBJOJOH JO  XJUIPVU CFJOH BEEFE CZ UIF DVNVMBUJWF SFNBJOEFSGSPNUIFQSFWJPVTZFBST.FBOXIJMF XIFOBEEFE XJUIUIFSFNBJOEFSPGUIFCVEHFU UIFOVNCFSSFBDIFE 

Rencana dan Strategi Pendidikan dan Pelatihan dalam mengembangkan SDM bank bjb

Plans and Strategy of the Education and Training Division in Developing bank EME·V +XPDQ Resources

%BMBN SBOHLB QFOHFNCBOHBO EBO QFOJOHLBUBO LVBMJUBT 4VNCFS %BZB .BOVTJB  QFSMV EJMBLVLBO QFOBUBBO TJTUFN QFOEJEJLBO EBOBUBV QFMBUJIBO QFHBXBJ ZBOH EBMBN JNQMFNFOUBTJOZBEJTFTVBJLBOEFOHBOLPOEJTJEBOLFNBNQVBO QFSVTBIBBOTFSUBUVOUVUBOQFSLFNCBOHBOJMNVQFOHFUBIVBO EBOUFLOPMPHJZBOHEJCVUVILBO#BOLTBBUJOJEBONBTBZBOH BLBO EBUBOH %JNBOB 7JTJ EBO .JTJ %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBOBEBMBI

bank bjb Laporan Tahunan 2014

*O PSEFS UP EFWFMPQ BOE JNQSPWF UIF RVBMJUZ PG )VNBO 3FTPVSDFT JUJTOFDFTTBSZUPSFGPSNUIFTZTUFNPGFEVDBUJPO BOEPSUSBJOJOHPGFNQMPZFFTJOJUTJNQMFNFOUBUJPOUBJMPSFEUP UIF DPOEJUJPOT BOE UIF BCJMJUZ PG UIF DPNQBOZ BT XFMM BT UIF EFNBOET PG UIF EFWFMPQNFOU PG TDJFODF BOE UFDIOPMPHZ GPS UIF DVSSFOU BOE GVUVSF SFRVJSFNFOUT PG UIF #BOL 5IF 7JTJPO BOE.JTTJPOPGUIF%JWJTJPOPG&EVDBUJPOBOE5SBJOJOHBSF

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

281 HUMAN RESOURCES

Visi

Vision

i.FOKBEJCentre of Learning OrganizationEBMBN.FOEPSPOH ,FHJBUBO#JTOJT#BOLw

i5PCFDPNFUIF$FOUSFPG-FBSOJOH0SHBOJ[BUJPOJO1SPNPUJOH UIF#BOLT#VTJOFTT"DUJWJUJFTw

Misi

Mission

 4FCBHBJ QVTBU LFQFNJNQJOBO Centre of Leadership

 ZBJUV UFNQBU NFOHFNCBOHLBO EBO NFODJQUBLBO LBEFS LBEFS QFNJNQJO NBTB EFQBO CBOL bjb ZBOH NVNQVOJ EBOWJTJPOFSEBMBNNFOHFNCBOHLBOLFHJBUBOCJTOJTCBOL bjb  4FCBHBJ QVTBU QFOHFNCBOHBO LPNQFUFOTJ Centre of Competency

ZBJUVNFODJQUBLBOQFHBXBJ#BOLLPNQFUFO NFMBMVJQFOHFNCBOHBOattitude, knowledgeEBOskill  4FCBHBJ  QVTBU TFSUJmLBTJ $FOUSF PG $FSUJmDBUJPO

 ZBJUV NFODJQUBLBO QFHBXBJ #BOL ZBOH NFNQVOZBJ TUBOEBS LPNQFUFOTJZBOHEJBLVJBUBVUFSTFSUJmLBTJ

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"MMUSBJOJOHBOEFEVDBUJPOBDUJWJUJFTBSFBJNFEUPJNQSPWFUIF RVBMJUZPGDPNQFUFODFJOPSEFSUPBUUBJO  5IFQSPWJTJPOPGRVBMJmFEBOEQSPGFTTJPOBMIVNBOSFTPVSDF UPTVQQPSUUIF#BOLTCVTJOFTTBOEPQFSBUJPOBMBDUJWJUJFT  5IFQSPWJTJPOPGDPNQFUFOUIVNBOSFTPVSDFJOGVMmMMJOHUIF DVSSFOUBOEGVUVSFQPTJUJPOSFRVJSFNFOUT  5IFJNQSPWFNFOUPGLOPXMFEHF TLJMMBOEQFSTQFDUJWFPGBMM NBOBHFNFOUBOEPSFNQMPZFF

%FOHBO EFNJLJBO TUSBUFHJ %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO ZBOHUFSUVBOHEBMBN3FODBOB#JTOJTCBOLZBOHNFOEVLVOH WJTJEBONJTJEJNBLTVE ZBJUV  .FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program AcademyZBOHCFSTJGBUUFLOJLBM  .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program AcademyZBOHCFSTJGBUsoftskill.  .FSBODBOH QSPHSBN 1FOEJEJLBO EBO QFMBUJIBO ZBOH NFOEVLVOHQFOHFNCBOHBOCJTOJTCBOLTFDBSBUFSTUSVLUVS EBOCFSLFTJOBNCVOHBOTFTVBJEFOHBOTraining Program Academy  .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOH LPNQFUFOTJ NBOBKFSJBM EBO LFQFNJNQJOBO CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBOTraining Program Academy.

5IFSFGPSF UIFTUSBUFHZPGUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPO  BTTFUGPSUIJOUIF#VTJOFTT1MBOUIBUTVQQPSUTUIFWJTJPOBOE NJTTJPOPGUIFCBOL OBNFMZ  %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU UIF #BOLT CVTJOFTT BDUJWJUJFT  JO B TUSVDUVSFE BOE DPOUJOVPVT NBOOFS  JO BDDPSEBODF XJUI UIF UFDIOJDBM BTQFDUPGUIF5SBJOJOH1SPHSBN"DBEFNZ  %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU UIF #BOLT CVTJOFTT BDUJWJUJFT  JO B TUSVDUVSFE BOE DPOUJOVPVT NBOOFS  JO BDDPSEBODF XJUI UIF TPGU TLJMM BTQFDUPGUIF5SBJOJOH1SPHSBN"DBEFNZ  %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU UIF #BOLT CVTJOFTT BDUJWJUJFT  JO B TUSVDUVSFE BOE DPOUJOVPVT NBOOFS  JO BDDPSEBODF XJUI UIF 5SBJOJOH 1SPHSBN"DBEFNZ  %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU UIF #BOLT NBOBHFSJBM BOE MFBEFSTIJQ DPNQFUFODF  JO B TUSVDUVSFEBOEDPOUJOVPVTNBOOFS JOBDDPSEBODFXJUIUIF 5SBJOJOH1SPHSBN"DBEFNZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

282

SUMBER DAYA MANUSIA

 .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOHLPNQFUFOTJDBMPOQFHBXBJCBSVCBOLbjb.  .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOHLPNQFUFOTJTVQQPSUJOHQFHBXBJEJCJEBOH*5  .FOHVTVMLBO QFOEJEJLBO EBO QFMBUJIBO ZBOH UJEBL UFSEBQBUEBMBNTraining Program Academy  .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO VOUVL supporting-Control  .FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO VOUVL QFOHFNCBOHBONFOUBMEBO3PIBOJQFHBXBJ

 %FTJHOJOH&EVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU UIFDPNQFUFODFPGUIFCBOLbjbTOFXSFDSVJU  %FTJHOJOH&EVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU UIFTVQQPSUJOHDPNQFUFODFPGUIF*5QFSTPOOFM  1SPQPTJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNOPUJODMVEFEJO UIF5SBJOJOH1SPHSBN"DBEFNZ  %FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSTVQQPSUJOH o$POUSPM  %FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSFNQMPZFFT NFOUBMBOETQJSJUVBMEFWFMPQNFOU

Biaya yang Dikeluarkan

Costs Incurred

#JBZB ZBOH UFMBI EJLFMVBSLBO PMFI CBOL bjb UFSLBJU EFOHBO QFOHFMPMBBO 4%. IJOHHB BLIJS UBIVO  BEBMBI TFCFTBS 3Q USJMJVO EFOHBOSJODJBOTFCBHBJCFSJLVU

$PTUTJODVSSFECZCBOLbjbSFMBUFEUP)3NBOBHFNFOUVOUJM UIF FOE PG  SFBDIFE 3Q USJMMJPO  XJUI UIF GPMMPXJOH EFUBJMT

Jenis Biaya Tenaga Kerja

Nominal (Juta/Million)

Type of Employee Expenses

(BKJEBO6QBI



4BMBSJFTBOE8BHFT

Total

1.320.129

Total

Penghasilan Berdasarkan Jabatan

Position Based Income

1SPHSBN LFTFKBIUFSBBO CBHJ LBSZBXBO UFSVT EJUJOHLBULBO  TFJSJOH EFOHBO QFSUVNCVIBO ZBOH EJDBQBJ PMFI CBOL 1FOFUBQBOOZB EJMBLVLBO CFSEBTBSLBO BOBMJTB UFSIBEBQ JOEVTUSJ EBO EJTFTVBJLBO EFOHBO UJOHLBU LFNBNQVBO 1FSTFSPBO

&NQMPZFF XFMGBSF QSPHSBNT DPOUJOVFE UP CF JODSFBTFE  BMPOHXJUIUIFHSPXUIBDIJFWFECZUIF#BOL*UTEFUFSNJOBUJPO JT CBTFE PO UIF JOEVTUSJBM BOBMZTJT BOE BEKVTUFE UP UIF $PNQBOZTDBQBCJMJUZ

4JTUFN LPNQFOTBTJ EBO CFOFmU  TFCBHBJ JNQMFNFOUBTJ EBMBN SBOHLB NFOEVLVOH UVKVBO TUSBUFHJT CBOL bjb TFDBSB LFTFMVSVIBO  EJSBODBOH BHBS CFSTJGBU BUSBLUJG EBO LPNQFUJUJG TFIJOHHBEBQBUNFOJOHLBULBONPUJWBTJLFSKB1FHBXBJEFOHBO UVKVBO NFODJQUBLBO employee engagement ZBOH CFSNVBSB QBEBQFODBQBJBOUVKVBOTUSBUFHJTCBOL

5IFDPNQFOTBUJPOBOECFOFmUTTZTUFN BTUIFJNQMFNFOUBUJPO JOPSEFSUPTVQQPSUUIFCBOLbjbTPWFSBMMTUSBUFHJDPCKFDUJWFT  JTEFTJHOFEUPCFCPUIBUUSBDUJWFBOEDPNQFUJUJWFJOPSEFSUP JODSFBTFFNQMPZFFNPUJWBUJPOUPXPSLXJUIUIFBJNPGDSFBUJOH FNQMPZFFFOHBHFNFOUXIJDIMFBETUPUIFBDIJFWFNFOUPGUIF CBOLTTUSBUFHJDPCKFDUJWFT

Reward & Punishment

Reward & Punishment

RewardEJCFSJLBOTFCBHBJCFOUVLQFOHIBSHBBOQFSVTBIBBO LFQBEB QFHBXBJ BUBT EFEJLBTJ ZBOH EJCFSJLBO LFQBEB QFSVTBIBBO 4JTUFN reward EJTVTVO BHBS EBQBU NFNPUJWBTJ QFHBXBJBHBSCFSLJOFSKBMFCJICBJLMBHJLFEFQBOOZB

3FXBSEJTHJWFOBTBUPLFOPGBQQSFDJBUJPOGPSUIFEFEJDBUJPO PG UIF FNQMPZFF UP UIF $PNQBOZ 5IF SFXBSE TZTUFN JT FTUBCMJTIFEJOPSEFSUPNPUJWBUFFNQMPZFFTUPQFSGPSNCFUUFS JOUIFGVUVSF

RewardZBOHEJCFSJLBOQFSVTBIBBOBOUBSBMBJO  1FOHIBSHBBO .BTB ,FSKB  ZBOH EJQFSVOUVLLBO UFSIBEBQ 1FHBXBJ ZBOH UFMBI NFNJMJLJ NBTB LFSKB  UBIVO EBO  UBIVO TFSUB NFNFOVIJ LSJUFSJB UFSUFOUV ZBOH UFMBI EJUFUBQLBO EJCFSJLBO reward UFSTFCVU  IBM JOJ TFCBHBJ BQSFTJBTJ EBSJ QFSVTBIBBO LFQBEB QFHBXBJ BUBT QFOHBCEJBOOZBEFEJLBTJ ZBOH EJCFSJLBO TFMBNB XBLUV UFSUFOUV

3FXBSEHJWFOCZUIFDPNQBOZJODMVEFT  8PSL 5FOVSF "XBSE  XIJDI JT BQQMJFE UP FNQMPZFFT XJUI XPSL QFSJPE PG  ZFBST BOE  ZFBST BOE NFFU DFSUBJO DSJUFSJB UIBU IBWF CFFO FTUBCMJTIFE 5IJT SFXBSE JT UIF BQQSFDJBUJPO PG UIF $PNQBOZ UP UIF FNQMPZFF GPS IJT TFSWJDFEFEJDBUJPOPWFSBDFSUBJOUJNF

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

283 HUMAN RESOURCES

 +BTB 1SPEVLTJ EJCFSJLBO BUBT LJOFSKB QFHBXBJ TFMBNB  TBUV UBIVOQFOVIBUBTMBCBQFSVTBIBBOTFMBNBUBIVO  *OEFLT 1SFTUBTJ ,JOFSKB QFHBXBJ ZBOH EJCFSJLBO  UJHB  LBMJ EBMBN TFUBIVO CFSEBTBSLBO MBCB ZBOH EJQFSPMFI QFSVTBIBBOQBEBUSJXVMBOUFSUFOUV

 1SPEVDUJPO.FSJUHJWFOUPPOFNQMPZFFTVQPOUIFJSZFBS QFSGPSNBODFPWFSUIF$PNQBOZTQSPmUXJUIJOZFBS  &NQMPZFFT 1FSGPSNBODF "DIJFWFNFOU *OEFY HJWFO UISFF  UJNFTBZFBSCBTFEPOQSPmUTPCUBJOFECZUIF$PNQBOZ JOBQBSUJDVMBSRVBSUFS

Punishment EJCFSJLBO LFQBEB QBSB QFHBXBJ ZBOH UFMBI NFMBLVLBO fraud LFMBMBJBO  EBO QFOZJNQBOHBO BUVSBO 1FSCVBUBOZBOHTFDBSBVNVNEJLFOBLBO4BOLTJ"ENJOJTUSBUJG BEBMBIQFSCVBUBOQFSCVBUBOTFCBHBJCFSJLVU  %FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLVLBO QFSCVBUBO ZBOH CFSUFOUBOHBO EFOHBO 1FSBUVSBO EBO LFUFOUVBOQFSVOEBOHVOEBOHBO  %FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFOJOHHBMLBO UVHBTBUBVLFXBKJCBOBUBVUJEBLNFMBLVLBOQFSJOUBIEJOBT KBCBUBOZBOHEJCFSJLBOLFQBEB1FHBXBJ  %FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLTBOBLBO UVHBTBUBVLFXBKJCBOUBOQBLFKVKVSBO LFTVOHHVIBOIBUJ  UFMJUJBUBVUFSUJC  %FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLTBOBLBO UVHBT BUBV LFXBKJCBO UBOQB NFNQFSIBUJLBO QSJOTJQ QSJOTJQGood Corporate Governance ($(

LFIBUJIBUJBO  NJUJHBTJSJTJLPEBOLFXBKBSBO BOUBSBMBJOUFSLBJUMJNJU OJMBJ EBOBUBVXBLUV EBMBNQSPTFTPQFSBTJPOBM

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bank bjb Annual Report 2014

284

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

SUMBER DAYA MANUSIA

C 1FOVOEBBO LFOBJLBO QBOHLBUgrade QBMJOH MBNB  TBUV UBIVOEBO D 1FOVSVOBO HBKJ TFCFTBS  TBUV  LBMJ LFOBJLBO HBKJ CFSLBMBVOUVLQBMJOHMBNB TBUV UBIVO

C %FMBZ PG MFWFM HSBEF QSPNPUJPO GPS B NBYJNVN PG  POF ZFBSBOE D 5IFEFDSFBTFJOTBMBSZPG POF UJNFPGUIFQFSJPEJD TBMBSZJODSFBTFGPSBNBYJNVNPG POF ZFBS

 5JOHLBU4BOLTJ"ENJOJTUSBUJG#FSBU KFOJTOZBUFSEJSJEBSJ B 1FOVSVOBO QBOHLBUgrade QBEB QBOHLBUgrade ZBOH TFUJOHLBUMFCJISFOEBI C 1FOVSVOBO+BCBUBO D 1FNCFSIFOUJBOEFOHBOIPSNBUUJEBLBUBTQFSNJOUBBO TFOEJSJTFCBHBJQFHBXBJEBO E 1FNCFSIFOUJBO UJEBL EFOHBO IPSNBU UJEBL BUBT QFSNJOUBBOTFOEJSJTFCBHBJQFHBXBJ

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Penerapan Reward & Punishment Serta Ketentuannya

Implementation of Reward & Punishment And Its Provisions

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5IF DVSSFOU JNQMFNFOUBUJPO PG SFXBSE BOE QVOJTINFOU JO GPSDF JT UISPVHI FNQMPZFF QFSGPSNBODF BTTFTTNFOU XIJDI JT DPOEVDUFE CZ UIF #BOL PO B RVBSUFSMZ CBTJT EVSJOH UIF ZFBS3FXBSEBOEQVOJTINFOUXJMMBGGFDUUIFJODFOUJWFTUPCF SFDFJWFECZUIFSFTQFDUJWFFNQMPZFFEVSJOHUIFZFBS

Penilaian Kinerja (BSC dan KPI)

Performance Assessment (BSC dan KPI)

4USBUFHJ ZBOH EJUFUBQLBO VOUVL QFODBQBJBO TBTBSBO QFSVTBIBBO IBSVT NFMBMVJ  TJTUFN NBOBKFNFO TUSBUFHJ ZBOH CBJL LBSFOBBLBONFOKBEJUPMPLVLVSEBSJQFSGPSNBLJOFSKB QFSVTBIBBO %J EBMBN NFOFUBQLBO TUSBUFHJ  QFSVTBIBBO IBSVT NFNQFSIBUJLBO TBTBSBO objective  ZBOH UFMBI EJUFUBQLBO EBO IBSVT EBQBU UFSVLVS measurable  1BEB VNVNOZBCBHJBOZBOHTFMBMVEJVLVSBEBMBICBHJBOLFVBOHBO LBSFOB CFSCJDBSB NFOHFOBJ BOHLB  TFTVBUV IBM ZBOH NVEBI VOUVL EJIJUVOH EBO EJBOBMJTB "LBO UFUBQJ  EFOHBO QFSLFNCBOHBO JMNV NBOBKFNFO EBO LFNBKVBO UFLOPMPHJ JOGPSNBTJ TJTUFNQFOHVLVSBOLJOFSKBQFSVTBIBBOZBOHIBOZB NFOHBOEBMLBOBTQFLQFSTQFLUJGLFVBOHBOEJSBTBLBOCBOZBL NFNJMJLJ LFMFNBIBO EBO LFUFSCBUBTBO 4FTVOHHVIOZB BEB TFCVBIBTQFLQFSTQFLUJGZBOHUJEBLLBMBIQFOUJOHEBOEBQBU EJHVOBLBOEBMBNNFOHVLVSLJOFSKBQFSVTBIBBOZBJUVBTQFL QFSTQFLUJGOPOLFVBOHBO,FOZBUBBOJOJMBIZBOHNFOKBEJBXBM UFSDJQUBOZBLPOTFQ#BMBODFE4DPSFDBSE #4$ 

4USBUFHJFTTFUGPSUIFBDIJFWFNFOUPGDPSQPSBUFHPBMTTIPVME HP UISPVHI HPPE TUSBUFHZ NBOBHFNFOU TZTUFN CFDBVTF TUSBUFHJFT CFDPNF UIF CFODINBSL PG UIF $PNQBOZT QFSGPSNBODF *O GPSNVMBUJOH TUSBUFHJFT  UIF $PNQBOZ NVTU QBZ BUUFOUJPO UP UIF QSFEFUFSNJOFE UBSHFUT PCKFDUJWFT  BOE TIPVME CF NFBTVSBCMF *O HFOFSBM  UIF mOBODJBM BTQFDU IBT BMXBZT CFDPNF UIF BTQFDU NFBTVSFE EVF UP JUT SFMBUJPOT XJUI OVNCFST  BO BTQFDU FBTZ UP DBMDVMBUF BOE BOBMZ[F )PXFWFS XJUIUIFEFWFMPQNFOUPGLOPXMFEHFJONBOBHFNFOU BOE BEWBODFT JO JOGPSNBUJPO UFDIOPMPHZ  UIF $PNQBOZT QFSGPSNBODF NFBTVSFNFOU TZTUFN XIJDI SFMJFT TPMFMZ PO UIF mOBODJBM BTQFDU QFSTQFDUJWF JT QFSDFJWFE UP CF XFBL BOE MJNJUFE 8IFSFBT JOGBDU UIFSF JT BO BTQFDU QFSTQFDUJWF XIJDIJTOPMFTTJNQPSUBOUBOEDBOCFVTFEJONFBTVSJOHUIF QFSGPSNBODFPGUIF$PNQBOZ OBNFMZUIFOPOmOBODJBMBTQFDU QFSTQFDUJWF5IJTGBDUCFDBNFUIFCBTJTPGUIFDSFBUJPOPGUIF #BMBODFE4DPSFDBSE #4$ DPODFQU

1FOHFMPMBBO LJOFSKB CFSCBTJT Balanced Scorecard  UFMBI TBNQBJUBIBQBONFOHBUVSNFOHFOBJQFOFUBQBOQFOHFMPMBBO LJOFSKB  QFOZVTVOBO EBO QFSVCBIBO QFUB TUSBUFHJ Strategy Map

 Key Performance Indicator ,1*

 EBO UBSHFU  TFSUB QFMBQPSBO QFODBQBJBO LJOFSKB USJXVMBOBO EBMBN UBIBQ monitoringEBOFWBMVBTJLJOFSKB

8JUIJO UIF #BMBODFE 4DPSFDBSECBTFE QFSGPSNBODF NBOBHFNFOU UIF$PNQBOZIBTSFBDIFEUIFTUBHFTTFUUJOH QFSGPSNBODF NBOBHFNFOU GPSNVMBUJPO BOE DIBOHFT PG 4USBUFHZ .BQ  ,FZ 1FSGPSNBODF *OEJDBUPS ,1*  BOE UBSHFUT BTXFMMBTRVBSUFSMZQFSGPSNBODFBDIJFWFNFOUSFQPSUJOHJOUIF QFSGPSNBODFNPOJUPSJOHBOEFWBMVBUJPOQIBTF

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

285 HUMAN RESOURCES

CBOLbjbNFOHHVOBLBOFNQBUTUBOEBSQFSTQFLUJG#4$ZBJUV mOBODJBM  DVTUPNFS  internal business process  EBO learning and growth B 1FSTQFLUJGFinancial  #4$ EJCBOHVO EBSJ TUVEJ QFOHVLVSBO LJOFSKB EJ TFLUPS CJTOJT  TFIJOHHB ZBOH EJNBLTVE QFSTQFLUJG mOBODJBM EJ TJOJ BEBMBI UFSLBJU EFOHBO mOBODJBM TVTUBJOBCJMJUZ 1FSTQFLUJG JOJ EJHVOBLBO PMFI shareholder EBMBN SBOHLB NFMBLVLBO QFOJMBJBO LJOFSKB PSHBOJTBTJ "QBCJMB EJOBSBTJLBO BLBO CFSCVOZJ wPSHBOJTBTJ IBSVT NFNFOVIJ TFCBHBJNBOB IBSBQBO TIBSFIPMEFS BHBS EJOJMBJ CFSIBTJM PMFIshareholderw C 1FSTQFLUJGcustomer  1FSTQFLUJG customer BEBMBI QFSTQFLUJG ZBOH CFSPSJFOUBTJ QBEB QFMBOHHBO LBSFOB NFSFLBMBI QFNBLBJ QSPEVL KBTB ZBOH EJIBTJMLBO PSHBOJTBTJ %FOHBO LBUB MBJO  PSHBOJTBTJIBSVTNFNQFSIBUJLBOBQBZBOHEJJOHJOLBOPMFI QFMBOHHBO D 1FSTQFLUJGJOUFSOBMBusiness Process  1FSTQFLUJG JOUFSOBMbusiness process BEBMBI TFSBOHLBJBO BLUJWJUBT ZBOH BEB EBMBN PSHBOJTBTJ VOUVL NFODJQUBLBO QSPEVLKBTBEBMBNSBOHLBNFNFOVIJIBSBQBOQFMBOHHBO 1FSTQFLUJG JOJ NFOKFMBTLBO QSPTFT CJTOJT ZBOH EJLFMPMB VOUVL NFNCFSJLBO MBZBOBO EBO OJMBJOJMBJ LFQBEB stakeholderEBOcustomer E 1FSTQFLUJGLearning  Growth  1FSTQFLUJG learning  growth BEBMBI QFSTQFLUJG ZBOH NFOHHBNCBSLBOLFNBNQVBOPSHBOJTBTJVOUVLNFMBLVLBO QFSCBJLBOEBOQFSVCBIBOEFOHBONFNBOGBBULBOTVNCFS EBZBJOUFSOBMPSHBOJTBTJ,FTJOBNCVOHBOTVBUVPSHBOJTBTJ EBMBNKBOHLBQBOKBOHTBOHBUCFSHBOUVOHQBEBQFSTQFLUJG JOJ

CBOL bjb VTFT GPVS #4$ QFSTQFDUJWFT TUBOEBSET OBNFMZ mOBODJBM  DVTUPNFS  JOUFSOBM CVTJOFTT QSPDFTT  BOE MFBSOJOH BOEHSPXUI B 'JOBODJBM1FSTQFDUJWF  #4$JTCVJMUGSPNBTUVEZPGQFSGPSNBODFNFBTVSFNFOUJO UIF CVTJOFTT TFDUPS  UIVT UIF mOBODJBM QFSTQFDUJWF IFSF JT SFMBUFE UP mOBODJBM TVTUBJOBCJMJUZ 5IJT QFSTQFDUJWF JT VTFECZTIBSFIPMEFSTJOPSEFSUPBTTFTTUIFQFSGPSNBODF PG UIF PSHBOJ[BUJPO *G OBSSBUFE iUIF PSHBOJ[BUJPO NVTU NFFUUIFFYQFDUBUJPOTPGTIBSFIPMEFSTUPCFBTTFTTFEBT TVDDFTTGVMCZUIFTIBSFIPMEFSTw C $VTUPNFS1FSTQFDUJWF  $VTUPNFS QFSTQFDUJWF JT UIF DVTUPNFSPSJFOUFE QFSTQFDUJWFCFDBVTFUIFZBSFUIFVTFSTPGUIFQSPEVDUT TFSWJDFTQSPEVDFECZUIFPSHBOJ[BUJPO*OPUIFSXPSET UIF PSHBOJ[BUJPO TIPVME QBZ BUUFOUJPO UP XIBU UIF DVTUPNFS XBOUT D *OUFSOBM#VTJOFTT1SPDFTT1FSTQFDUJWF  5IF *OUFSOBM #VTJOFTT 1SPDFTT 1FSTQFDUJWF JT B TFU PG BDUJWJUJFTJOUIFPSHBOJ[BUJPODPOEVDUFEUPDSFBUFQSPEVDUT TFSWJDFT JO PSEFS UP NFFU DVTUPNFS FYQFDUBUJPOT 5IJT QFSTQFDUJWFEFTDSJCFTUIFCVTJOFTTQSPDFTTFTNBOBHFE UP QSPWJEF TFSWJDFT BOE WBMVFT UP UIF TUBLFIPMEFST BOE DVTUPNFST E -FBSOJOH(SPXUI1FSTQFDUJWF  -FBSOJOH BOE (SPXUI 1FSTQFDUJWF JT UIF QFSTQFDUJWF UIBU JMMVTUSBUFT UIF BCJMJUZ PG UIF PSHBOJ[BUJPO UP QFSGPSN JNQSPWFNFOUT BOE DIBOHFT CZ VUJMJ[JOH UIF JOUFSOBM SFTPVSDFT PG UIF PSHBOJ[BUJPO 5IF TVTUBJOBCJMJUZ PG UIF PSHBOJ[BUJPO JO UIF MPOH SVO JT WFSZ EFQFOEFOU PO UIJT QFSTQFDUJWF

1FMBLTBOBBO BUBV JNQMFNFOUBTJ TUSBUFHJ EJMBLVLBO EFOHBO DBSB NFOKBMBOLBO TUSBUFHJ JOJTJBUJG BUBV QSPHSBN LFSKB PMFI NBTJOHNBTJOH VOJU LFSKB EBO EJCBUBTJ EFOHBO XBLUV QFMBLTBOBBOOZBTFMBNBQFSJPEFUFSUFOUV  "HBS QFMBLTBOBBO TUSBUFHJ EBQBU UFSMBLTBOB EFOHBO CBJL  NBLB TFUFMBI QFUB TUSBUFHJ EJTVTVO TFMBOKVUOZB QFSMV EJUFUBQLBOKey Performance Indicator ,1* VOUVLTFUJBQ40 (Strategic Objective  ,1* NFSVQBLBO TFQFSBOHLBU VLVSBO QBSBNFUFS VUBNB CBJL mOBOTJBM NBVQVO OPO mOBOTJBM VOUVL NFOHVLVSLFCFSIBTJMBOQFODBQBJBOLJOFSKBEBOQFMBLTBOBBO TUSBUFHJEBMBNNFODBQBJTBTBSBOEJTFMVSVIMJOJVOJULFSKB

5IFFYFDVUJPOPSJNQMFNFOUBUJPOPGUIFTUSBUFHJFTJTDPOEVDUFE CZ QFSGPSNJOH TUSBUFHJD JOJUJBUJWFT PS XPSL QSPHSBNT CZ FBDI XPSLJOH VOJUT BOE JT MJNJUFE UP B DFSUBJO QFSJPE PG JNQMFNFOUBUJPOUJNF  *O PSEFS GPS UIF TUSBUFHJFT UP CF JNQMFNFOUFE XFMM  BGUFS UIF 4USBUFHZ .BQ JT GPSNVMBUFE  UIF ,FZ 1FSGPSNBODF *OEJDBUPS ,1* JTEFUFSNJOFEGPSFBDI4USBUFHJD0CKFDUJWF 40 ,1*JT BTFUPGNBJOQBSBNFUFST CPUImOBODJBMBOEOPOmOBODJBMUP NFBTVSF UIF TVDDFTT PG QFSGPSNBODF BDIJFWFNFOU BOE UIF TVDDFTTPGTUSBUFHZJNQMFNFOUBUJPOUPBDIJFWFUIFUBSHFUTJO UIFFOUJSFXPSLJOHMJOFVOJUT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

286

SUMBER DAYA MANUSIA

,1* NFSVQBLBO BMBU VLVS CBHJ QFODBQBJBO 40 Strategic Objective  ,1* EJCFEBLBO NFOKBEJ ,1* lagging EBO ,1* leading,1*laggingBEBMBI,1*ZBOHCFSTJGBUoutcome/output BUBVZBOHNFOHVLVSIBTJM VNVNOZBEJMVBSLFOEBMJVOJUZBOH CFSTBOHLVUBO ,1* leading BEBMBI ,1* ZBOH CFSTJGBU QSPTFT  ZBOH NFOEPSPOH QFODBQBJBO ,1* lagging 6NVNOZB ,1* leadingCFSBEBEJCBXBILFOEBMJVOJUPSHBOJTBTJ

,1* JT B NFBTVSFNFOU UPPM GPS UIF BDIJFWFNFOU PG UIF 40 4USBUFHJD 0CKFDUJWF  ,1* JT EJWJEFE JOUP ,1* MBHHJOH BOE ,1* MFBEJOH ,1* MBHHJOH JT UIF PVUDPNF PVUQVU PS PVUDPNF NFBTVSF  XIJDI JT HFOFSBMMZ CFZPOE UIF DPOUSPM PG UIF SFMFWBOU VOJU ,1* MFBEJOH JT UIF QSPDFTT XIJDI FODPVSBHFT UIFBDIJFWFNFOUPG,1*MBHHJOH(FOFSBMMZUIFMFBEJOH,1*JT VOEFSUIFDPOUSPMPGUIFPSHBOJ[BUJPOBMVOJU

Divisi SDM

HR Division

Peran Jabatan Pemimpin Divisi SDM

The Role of the Head of HR Division

t .FSBODBOH  NFMBLTBOBLBO EBO NFOHBXBTJ SFODBOB TUSBUFHJTQFMBLTBOBBOQFSUVNCVIBOEBOQFOHFNCBOHBO 4%. VOUVL NFOEPSPOH LJOFSKB CJTOJT EJ TFMVSVI MJOJ PSHBOJTBTJ t .FNJNQJO NBOBKFNFO QFSVCBIBO  SBODBOHBO PSHBOJTBTJPOBMTFSUBJOJTJBUJGUSBOTGPSNBTJMBJOOZB t .FOEPSPOHLJOFSKBCJTOJTNFMBMVJQFOHFMPMBBOmanpower planningZBOHFGFLUJGEBOFmTJFO QFOHFMPMBBOLPNQFOTBTJ EBO CFOFmU ZBOH NFOBSJL EBO EBQBU NFNQFSUBIBOLBO 4%.  QFOHFMPMBBO LPNQFUFOTJ  QFOHFMPMBBO LJOFSKB JOEJWJEV  TFSUB QFOHFMPMBBO EJTJQMJO  QFSJMBLV  EBO FUJLB QFHBXBJ t .FOHFNCBOHLBO TUSBUFHJ  LFCJKBLBO  EBO QSBLUJL QFOHFMPMBBOTVNCFSEBZBNBOVTJB human capital ZBOH CFSMBLVEJTFMVSVIMJOJPSHBOJTBTJ t .FOEBNQJOHJ EBO NFNCFSJLBO LPOTVMUBTJ LFQBEB QJIBL NBOBKFNFO TFOJPS NFOHFOBJ NBTBMBINBTBMBI LFQFHBXBJBO human capital  t .FOZVTVO QSPHSBN LFSKB EBO BOHHBSBO %JWJTJ 4VNCFS %BZB.BOVTJB t .FOHFMPMB QFMBQPSBO UFSLBJU EFOHBO CJEBOH LFSKB %JWJTJ 4VNCFS%BZB.BOVTJB t .FMBLVLBOLPPSEJOBTJEFOHBO%FXBO,PNJTBSJT %JSFLTJ  1FNJNQJO %JWJTJVOJU LFSKB  1FNJNQJO 8JMBZBI EBO 1FNJNQJO$BCBOH t .FOKBEJ KVSV CJDBSB VUBNB CBHJ %JWJTJ 4VNCFS %BZB .BOVTJB

t 1MBO JNQMFNFOUBOENPOJUPSUIFTUSBUFHJDQMBOGPSHSPXUI BOEIVNBOSFTPVSDFTEFWFMPQNFOUJOPSEFSUPCPPTUUIF CVTJOFTT QFSGPSNBODF BDSPTT UIF FOUJSF PSHBOJ[BUJPOBM MJOFT t -FBE UIF DIBOHF NBOBHFNFOU  PSHBOJ[BUJPOBM QMBO  BT XFMMBTPUIFSUSBOTGPSNBUJPOJOJUJBUJWFT t *NQSPWF CVTJOFTT QFSGPSNBODF UISPVHI FGGFDUJWF BOE FGmDJFOUNBOBHFNFOUPGNBOQPXFSQMBOOJOH NBOBHFNFOU PGBUUSBDUJWFDPNQFOTBUJPOBOECFOFmUTUPNBJOUBJOIVNBO SFTPVSDFT  DPNQFUFODZ NBOBHFNFOU  NBOBHFNFOU PG JOEJWJEVBM QFSGPSNBODF  BOE NBOBHFNFOU PG EJTDJQMJOF  CFIBWJPS BOEFUIJDTPGUIFFNQMPZFFT t %FWFMPQ TUSBUFHJFT  QPMJDJFT  BOE QSBDUJDFT PG IVNBO SFTPVSDFT NBOBHFNFOU IVNBO DBQJUBM  UIBU BQQMJFT BDSPTTUIFPSHBOJ[BUJPOBMMJOFT t (VJEFBOEQSPWJEFDPOTVMUBUJPOUPUIFTFOJPSNBOBHFNFOU SFHBSEJOHFNQMPZNFOUNBUUFST IVNBODBQJUBM  t 'PSNVMBUF UIF XPSL QSPHSBN BOE CVEHFU PG UIF )VNBO 3FTPVSDFT%JWJTJPO t .BOBHF UIF SFQPSUJOH SFMBUFE UP UIF mFME PG XPSL PG UIF )VNBO3FTPVSDFT%JWJTJPO t $PPSEJOBUF XJUI UIF #PBSE PG $PNNJTTJPOFST  #PBSE PG %JSFDUPST  )FBET PG %JWJTJPOT8PSLJOH 6OJUT  3FHJPOBM )FBETBOE)FBETPGUIF#SBODI0GmDFT t #FDPNF UIF MFBEJOH TQPLFTQFSTPO GPS UIF )VNBO 3FTPVSDFT%JWJTJPO

Tugas Dan Tanggung Jawab Utama Pemimpin Divisi SDM

Main Duties and Responsibilities of the Head of the HR Division

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

287 HUMAN RESOURCES

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bank bjb Annual Report 2014

288

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SUMBER DAYA MANUSIA

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bank bjb Laporan Tahunan 2014

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

289 HUMAN RESOURCES

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Kewenangan Pemimpin SDM

Authorities of the Head of the HR Division

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bank bjb Annual Report 2014

290

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

SUMBER DAYA MANUSIA

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Kewenangan Pemimpin Grup Pengembangan SDM

Authorities of the HR Development Group Leader

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Tugas Pemimpin Grup Assessment Center SDM

Task of the HR Assessment Center Group Leader

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

291 HUMAN RESOURCES

Tugas Pemimpin Grup Administrasi SDM

Task of the HR Administration Group Leader

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Rencana Pengembangan SDM

HR Development Plan

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bank bjb Annual Report 2014

292

TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY

bank bjb Laporan Tahunan 2014

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293

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Visi dan Misi Pelaksanaan

Vision and Mission of the Implementation

Visi

Vision

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Misi

Mission

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294

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Tata Kelola TI

IT Governance

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'VSUIFSNPSF  CZ UBLJOH JOUP BDDPVOU UIF SFHVMBUJPOT BT TUJQVMBUFE JO #BOL *OEPOFTJB 3FHVMBUJPO BT XFMM BT CFTU QSBDUJDF NBUUFSTSFMBUJOHUP345*JOCBOLbjbBSFFYQSFTTFE BTGPMMPXT  345* JT EJTDVTTFE CZ UIF *OEPOFTJBO 5FDIOPMPHZ 4UFFSJOH$PNNJUUFF ,15*

UIFOSFDPNNFOEFEUPCFTFU CZ UIF #PBSE PG %JSFDUPST BOE SFQPSUFE UP UIF #PBSE PG $PNNJTTJPOFST  &WFSZZFBSBEFUBJMFEBOOVBMQMBOUIBUSFGFSTUPUIF345* DPOUBJOJOHUIF*5QSPKFDUMJTUGPSUIFZFBS UIFSFGPSFUIPTF*5 QSPKFDUTBSFFOTVSFEUPCFJOMJOFXJUIUIF345*  .POJUPSJOH PO 345* JNQMFNFOUBUJPO JT DPOEVDUFE PO B SFHVMBS CBTJT JO UIF ,15* NFFUJOH BOE SFQPSUFE UP UIF #PBSEPG%JSFDUPSTBOEUIF#PBSEPG$PNNJTTJPOFST  5P FOTVSF BMJHONFOU XJUI CBOL bjbT TUSBUFHJD CVTJOFTT QMBO UIF345*TIPVMECFSFWJFXFEBUSFHVMBSJOUFSWBMTPGBU MFBTUPODFBZFBS5IFSFTVMUTPGUIFTUVEZBSFEJTDVTTFE CZ ,15* BOE JG DIBOHF JT OFDFTTBSZ  ,15* DBO QSPWJEF DIBOHF SFDPNNFOEBUJPOT UP CF SFFTUBCMJTIFE CZ UIF #PBSE PG %JSFDUPST BOE BDLOPXMFEHFE CZ UIF #PBSE PG $PNNJTTJPOFST  *OBTJUVBUJPOUIBUSFRVJSFTJNNFEJBUFDIBOHFJOUIF345*  UIFTFDIBOHFTDBOCFNBEFQSJPSUPPOFZFBS  5P GVSUIFS FOTVSF UIF SFMJBCJMJUZ PG UIF TZTUFN BT XFMM BT *5 SJTL NBOBHFNFOU UIBU JT SFRVJSFE UP TVQQPSU CVTJOFTT DPOUJOVJUZ  UIF *5 %JWJTJPO TFU UIF *5 TUBOEBSET PG CBOL bjb XIJDI XJMM CF DPNQMFNFOUBSZ UP UIF 345* BT XFMM BT CFDPNJOH B SFGFSFODF JO UIF JNQMFNFOUBUJPO PG UIF *5 BSDIJUFDUVSF*5TUBOEBSETJTBQQSPWFECZUIF)FBEPGUIF *5%JWJTJPO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

295 INFORMATION TECHNOLOGY

Pelaksanaan Program 2014

2014 Program Implementation

%JWJTJ 5FLOPMPHJ *OGPSNBTJ CBOL bjb UFSVT NFMBLVLBO QFOHFNCBOHBO BQMJLBTJ CBJL JUV EJMBLVLBO PMFI JOUFSOBM NBVQVO PMFI QJIBL WFOEPS BUBT QFSNJOUBBO BUBV LFCVUVIBO CBOL bjb 1FOHFNCBOHBO ZBOH EJMBLVLBO TFMBSBT EFOHBO SFODBOBCJTOJTCBOLNBVQVOInformation Technology strategic Plan *541  ZBOH UFMBI EJTVTVO TFIJOHHB EBMBN UBIVO  UFSEBQBUBQMJLBTJBQMJLBTJEBOmUVSmUVSCBSVZBOHNBTVLLF BSFBQSPEVLTJZBJUVTFKVNMBI TFCBHBJNBOBCFSJLVU

5IF*5%JWJTJPOPGCBOLbjbDPOUJOVFUPEFWFMPQBQQMJDBUJPOT CPUI JOUFSOBMMZ PS CZ WFOEPST BU UIF SFRVFTU PS SFRVJSFNFOU PG CBOL bjb %FWFMPQNFOUT DBSSJFE PVU BSF JO MJOF XJUI UIF CVTJOFTT QMBO PG UIF CBOL BOE UIF *OGPSNBUJPO 5FDIOPMPHZ 4USBUFHJD 1MBO *541  UIBU IBE CFFO QSFQBSFE TP UIBU JO UIFSFBSFBQQMJDBUJPOTBOEOFXGFBUVSFTUIBUBSFJOUIF QSPEVDUJPOBSFB UPUBMJOHUP BTGPMMPXT

Type of Development No

Program Kerja

Work Program Inhouse

External



&OIBODFNFOUbjb'BTU3FQSJOU1BTTCPPL



ð

&OIBODFNFOUbjb'BTU3FQSJOU1BTTCPPL



&OIBODFNFOUbjb'BTU.1/.PEVM



ð

&OIBODFNFOUbjb'BTU.1/.PEVM



&OIBODFNFOUbjb$"-.

ð



&OIBODFNFOUbjb$"-.



2VJDL$BTI)PTUUP)PTU)FBE0GmDF

ð

ð

2VJDL$BTI)PTUUP)PTU)FBE0GmDF



"QMJLBTJ8SJUF0GG 'JOBM

ð



8SJUF0GG"QQMJDBUJPO 'JOBM



bjb"VUP%FCJU4ZTUFN 5BCVOHBO5BOEBNBUB #FSKBOHLB 

ð

ð

bjb"VUP%FCJU4ZTUFN 5BCVOHBO5BOEBNBUB #FSKBOHLB 

7

&OIBODFNFOU6TFS&YJUWBMJEBTJNFOV*5""(*

ð



&OIBODFNFOUPG6TFS&YJU.FOV7BMJEBUJPO*5""(*



&OIBODFNFOU6TFS&YJUWBMJEBTJNFOV*5"

ð



&OIBODFNFOUPG6TFS&YJU.FOV7BMJEBUJPO*5"



&OIBODFNFOU.FOV84(

ð



&OIBODFNFOU.FOV84(



'JY&RVBUJPO1BUDI)#

ð

ð

'JY&RVBUJPO1BUDI)#



'JY&RVBUJPO1BUDI)#

ð

ð

'JY&RVBUJPO1BUDI)#



&OIBODFNFOU6TFS&YJU)"79

ð



&OIBODFNFOU6TFS&YJU)"79



&OIBODFNOFU6TFS&YJU).79

ð



&OIBODFNOFU6TFS&YJU).79



&OIBODFNFOU6TFS&YJU("79

ð



&OIBODFNFOU6TFS&YJU("79



(FCZBS5BOEBNBUB"LIJS5BIVO

ð



(FCZBS5BOEBNBUB&OEPG:FBS



&OIBODFNFOU.FOV:"/ *OGPSNBTJ"MBNBU /BTBCBI

ð



&OIBODFNFOU.FOV:"/ "EESFTT$VTUPNFS *OGPSNBUJPO



"QMJLBTJ4VC4ZTUFN#+'

ð



"QQMJDBUJPO4VC4ZTUFN#+'



'JY&RVBUJPO1BUDI)#

ð

ð

'JY&RVBUJPO1BUDI)#



'JY&RVBUJPO1BUDI)#

ð

ð

'JY&RVBUJPO1BUDI)#



4FUUJOH1BSBNFUFS/FX(JSP7BMBT

ð



4FUUJOH1BSBNFUFS/FX(JSP7BMBT



.JHSBTJ(JSP7BMBT

ð



.JHSBTJ(JSP7BMBT



4FUUJOH1BSBNFUFS#JBZB"ENJOJTUSBTJ5BOEBNBUB #JTOJT

ð



4FUUJOH1BSBNFUFS#JBZB"ENJOJTUSBTJ5BOEBNBUB #JTOJT



4FUUJOH1BSBNFUFS,.,,PQFSBTJ

ð



4FUUJOH1BSBNFUFS,.,,PQFSBTJ



4FUUJOH1BSBNFUFS,.,4VQQMZ$IBJO'JOBODJOH

ð



4FUUJOH1BSBNFUFS,.,4VQQMZ$IBJO'JOBODJOH



4FUUJOH1BSBNFUFS,*,PQFSBTJ

ð



4FUUJOH1BSBNFUFS,*,PQFSBTJ



4FUUJOH1BSBNFUFS13,,PQFSBTJ

ð



4FUUJOH1BSBNFUFS13,,PQFSBTJ



4FUUJOH1BSBNFUFSbjb,1341SJNBSZ

ð



4FUUJOH1BSBNFUFSbjb,1341SJNBSZ



4FUUJOH1BSBNFUFSbjb,1344FDPOE

ð



4FUUJOH1BSBNFUFSbjb,1344FDPOE



4FUUJOH1BSBNFUFSbjb.PSUHBHF1SPQFSUJ6TBIB 5BLF0WFS9USB

ð



4FUUJOH1BSBNFUFSbjb.PSUHBHF1SPQFSUJ6TBIB 5BLF0WFS9USB

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

296

TEKNOLOGI INFORMASI

Type of Development No

Program Kerja

Work Program Inhouse

External



4FUUJOH1BSBNFUFS#+#,131FHBXBJ1FNCFMJBO

ð



4FUUJOH1BSBNFUFS#+#,131FHBXBJ1FNCFMJBO



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ .FNCBOHVO

ð



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ .FNCBOHVO



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ .VMUJHVOB

ð



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ .VMUJHVOB



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ5BLF 0WFS9USB

ð



4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ5BLF 0WFS9USB



1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV%*.

ð



1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV%*.



1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBO%BUB30

ð



1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBO%BUB30



5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO ,PNFSTJBM

ð



5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO ,PNFSTJBM



5FTUJOH1BUDI13,

ð

ð

5FTUJOH1BUDI13, 1FSVCBIBO/BNB-PBO5ZQF,13



1FSVCBIBO/BNB-PBO5ZQF,13

ð





'JY&RVBUJPO1BUDI)#

ð

ð

'JY&RVBUJPO1BUDI)#



8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL

ð



8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL



4FUUJOH1BSBNFUFS13,,PQFSBTJ

ð



4FUUJOH1BSBNFUFS13,,PQFSBTJ



&OIBODFNFOU.FOV%VLVOHBO#BOL

ð



&OIBODFNFOU.FOV%VLVOHBO#BOL



1FOHFOEBMJBO5FSIBEBQ$VTUPNFS5ZQF

ð



1FOHFOEBMJBO5FSIBEBQ$VTUPNFS5ZQF



1FOHFOEBMJBO*OQVUCVOHB5BCVOHBOEBO(JSP

ð



1FOHFOEBMJBO*OQVUCVOHB5BCVOHBOEBO(JSP



1FOHFOEBMJBO*OQVU5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLV

ð



1FOHFOEBMJBO*OQVU5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLV



1FOHFOEBMJBO*OQVU4BMEP.JOJNVN1SPEVL 5BCVOHBO(JSP

ð



1FOHFOEBMJBO*OQVU4BMEP.JOJNVN1SPEVL 5BCVOHBO(JSP



1FOHFOEBMJBO,PSFLTJ*OQVU"MBNBU/BTBCBI

ð



1FOHFOEBMJBO,PSFLTJ*OQVU"MBNBU/BTBCBI



1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN %FQPTJUP

ð



1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN %FQPTJUP 1FOHFNCBOHBO"QMJLBTJ-.4 MPBO.HNU4ZTU



1FOHFNCBOHBO"QMJLBTJ-.4 MPBO.HNU4ZTU



ð



1FOHFNCBOHBO"QMJLBTJDVTUPEJ

ð



1FOHFNCBOHBO"QMJLBTJDVTUPEJ



1FOHFNCBOHBO"QMJLBTJ#SBODI*TTVF .BOBHFNFOU4ZTUFN1IBTF ).4

ð



1FOHFNCBOHBO"QMJLBTJ#SBODI*TTVF .BOBHFNFOU4ZTUFN1IBTF ).4



1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP

ð



1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP



1FOHFNCBOHBO"QMJLBTJ+BNLSJOEP ,630O-JOF  %JWJTJ.JLSP

ð



1FOHFNCBOHBO"QMJLBTJ+BNLSJOEP ,630O-JOF  %JWJTJ.JLSP



1FOHFNCBOHBO,VFTJPOFS$.0

ð



1FOHFNCBOHBO,VFTJPOFS$.0



1FOHFNCBOHBO.063FNJOEFS

ð

ð

1FOHFNCBOHBO.063FNJOEFS



1FOHFNCBOHBO4JTUFN"QMJLBTJ1FMBQPSBO*'5* *OUFSOBUJPOBM'VOE5SBOTGFS*OTUSVDUJPO

ð



1FOHFNCBOHBO4JTUFN"QMJLBTJ1FMBQPSBO*'5* *OUFSOBUJPOBM'VOE5SBOTGFS*OTUSVDUJPO



1FOHFNCBOHBO4JTUFN"QMJLBTJ3$4"

ð



1FOHFNCBOHBO4JTUFN"QMJLBTJ3$4"



1FOHFNCBOHBO4JTUFN"QMJLBTJ(BSBOTJCBOL

ð



1FOHFNCBOHBO4JTUFN"QMJLBTJ(BSBOTJCBOL



1FOHFNCBOHBO8BMJ"NBOBU

ð



1FOHFNCBOHBO8BMJ"NBOBU



1PSUGPMJP.BOBHFNFOUBOE"QQMJDBUJPO-JGFDZDMF .BOBHFNFOU

ð



1PSUGPMJP.BOBHFNFOUBOE"QQMJDBUJPO-JGFDZDMF .BOBHFNFOU



1FOHFNCBOHBO"QMJLBTJ)3*4

ð



1FOHFNCBOHBO"QMJLBTJ)3*4



"QMJLBTJEFQPTJUPCSFBLBCMFEBO%0$

ð



"QMJLBTJEFQPTJUPCSFBLBCMFEBO%0$



1FOHFNCBOHBO'VOE5SBOTGFS1SJDJOH

ð



1FOHFNCBOHBO'VOE5SBOTGFS1SJDJOH

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

297 INFORMATION TECHNOLOGY

Type of Development No 

Program Kerja

Work Program Inhouse

External

1FOHFNCBOHBO"QMJLBTJ-PTT&WFOU%BUBCBTF -&%

ð



1FOHFNCBOHBO"QMJLBTJ-PTT&WFOU%BUBCBTF -&%

3FWJFXEBO&OIBODFNFOU40148*'5%JWJTJ5*



3FWJFXEBO&OIBODFNFOU40148*'5%JWJTJ5*

ð





1FOHFNCBOHBO4JTUFN%)/



ð

1FOHFNCBOHBO4JTUFN%)/



1FOHFNCBOHBO4JTUFN*OGPSNBTJ$SFEJU$BSE

ð



1FOHFNCBOHBO4JTUFN*OGPSNBTJ$SFEJU$BSE



&OIBODFNFOU6*.6TFS*%.BOBHFNFOU

ð



&OIBODFNFOU6*.6TFS*%.BOBHFNFOU



&OIBODFNFOU4*.130

ð



&OIBODFNFOU4*.130



&OIBODFNFOU"QMJLBTJ5*1MVT



ð

&OIBODFNFOU"QMJLBTJ5*1MVT



&OIBODFNFOU"QMJLBTJ8FBMUI.BOBHFNFOU



ð

&OIBODFNFOU"QMJLBTJ8FBMUI.BOBHFNFOU



&OIBODFNFOU8FCTDPSJOH,13

ð



&OIBODFNFOU8FCTDPSJOH,13 &OIBODFNFOU"QMJLBTJ1FUJLIBEJBI6OEJBOCKC



&OIBODFNFOU"QMJLBTJ1FUJLIBEJBI6OEJBOCKC

ð





1FNFMJIBSBBO"QMJLBTJ4*%6



ð

1FNFMJIBSBBO"QMJLBTJ4*%6



1FOHFNCBOHBO4JTUFN35(4EBO4(FO**



ð

1FOHFNCBOHBO4JTUFN35(4EBO4(FO**



&OIBODFNFOU"QMJLBTJ5*1'9 55#"/,/05&4 



ð

&OIBODFNFOU"QMJLBTJ5*1'9 55#"/,/05&4 

77

$SFEJU-JOF

ð



$SFEJU-JOF



,13+BNTPTUFL1FSIJUVOHBO"OVJUBT5BIVOBO

ð



,13+BNTPTUFL1FSIJUVOHBO"OVJUBT5BIVOBO



1FOHFNCBOHBO"QMJLBTJFDBSFNBOBHFNFOU VOUVLNFOEVLVOH0QFSBTJPOBM(SVQ&$IBOFM .BOBHFNFOU

ð



1FOHFNCBOHBO"QMJLBTJFDBSFNBOBHFNFOU VOUVLNFOEVLVOH0QFSBTJPOBM(SVQ&$IBOFM .BOBHFNFOU



&OIBODFNFOUCKCDBGF F2VFTUJPOFS

ð



&OIBODFNFOUCKCDBGF F2VFTUJPOFS



&OIBODFNFOUCKCDBGF F%PLVNFO

ð



&OIBODFNFOUCKCDBGF F%PLVNFO



&OIBODFNFOUCKCDBGF 4BMFT,*5

ð

ð

&OIBODFNFOUCKCDBGF 4BMFT,*5



*NQMFNFOUBTJ4NBSU".-

*NQMFNFOUBTJ4NBSU".-





ð



1FNFMJIBSBBO*OUFSGBDF35(4(FO



 ð

1FNFMJIBSBBO*OUFSGBDF35(4(FO



1FNFMJIBSBBO"QMJLBTJ%1-,



ð

1FNFMJIBSBBO"QMJLBTJ%1-,



1FNFMJIBSBBO"QMJLBTJ8FBMUI.BOBHFNFOU  #BODBTVSBODF 6OJU3FHJTUSZEBO'JO1MBO



ð

1FNFMJIBSBBO"QMJLBTJ8FBMUI.BOBHFNFOU  #BODBTVSBODF 6OJU3FHJTUSZEBO'JO1MBO



1FNFMJIBSBBO"QMJLBTJ4PGUXBSF5SBEF



ð

1FNFMJIBSBBO"QMJLBTJ4PGUXBSF5SBEF



1FNFMJIBSBBO*OUFSGBDF01*$4



ð

1FNFMJIBSBBO*OUFSGBDF01*$4



1FNFMJIBSBBO"QMJLBTJ5*1



ð

1FNFMJIBSBBO"QMJLBTJ5*1



1FNFMJIBSBBO4XJGU7FOTZT



ð

1FNFMJIBSBBO4XJGU7FOTZT



1FNFMJIBSBBO*$45SBOTHBUFXBZ



ð

1FNFMJIBSBBO*$45SBOTHBUFXBZ



1FNFMJIBSBBO"QMJLBTJ5*1'9



ð

1FNFMJIBSBBO"QMJLBTJ5*1'9



1FNFMJIBSBBO"QMJLBTJ",,0



ð

1FNFMJIBSBBO"QMJLBTJ",,0



1FOHFNCBOHBO4JTUFN5*1MVT %JWJTJ*OUFSOBTJPOBM 



ð

1FOHFNCBOHBO4JTUFN5*1MVT %JWJTJ*OUFSOBTJPOBM 



1FOHFNCBOHBOEBO*NQFMFNFOUBTJ"QMJLBTJ-04 %JWJTJ.JLSP 



ð

1FOHFNCBOHBOEBO*NQFMFNFOUBTJ"QMJLBTJ-04 %JWJTJ.JLSP 



1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN %JWJTJ,13EBO.PSUHBHF 

ð



1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN %JWJTJ,13EBO.PSUHBHF 



1FOHBEBBO4PGUXBSF0UPNBTJ/PTUSP %JWJTJ 5SFBTVSZ 

ð



1FOHBEBBO4PGUXBSF0UPNBTJ/PTUSP %JWJTJ 5SFBTVSZ 



&OIBODFNFOU6QHSBEF01*$4 #JBZB*OTUBMBTJEBO *NQMFNFOUBTJ %JWJTJ5SFBTVSZ



ð

&OIBODFNFOU6QHSBEF01*$4 #JBZB*OTUBMBTJEBO *NQMFNFOUBTJ %JWJTJ5SFBTVSZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

298

TEKNOLOGI INFORMASI

Type of Development No

Program Kerja

Work Program Inhouse

External



1FOHBEBBO"QMJLBTJ1FOHFMPMBBO3JTJLP %JWJTJ$33 

ð



1FOHBEBBO"QMJLBTJ1FOHFMPMBBO3JTJLP %JWJTJ$33 



1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS %JWJTJ ,FVBOHBOEBO"LVOUBOTJ 

ð



1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS %JWJTJ ,FVBOHBOEBO"LVOUBOTJ 



6QHSBEF4PGUXBSF9#3-TFOUBSMJTBTJQFMBQPSBO ,FQBEB#BOL*OEPOFTJB %JWJTJ,FVBOHBOEBO "LVOUBOTJ



1FOHBEBBOBQMJLBTJQJQFMJOF %JWJTJ,PSQPSBTJEBO ,PNFSTJBM 

ð



1FOHBEBBOBQMJLBTJQJQFMJOF %JWJTJ,PSQPSBTJEBO ,PNFSTJBM 



1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO LPNFSTJBM %JWJTJ,PSQPSBTJEBO,PNFSTJBM

ð



1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO LPNFSTJBM %JWJTJ,PSQPSBTJEBO,PNFSTJBM

6QHSBEF4PGUXBSF9#3-TFOUBSMJTBTJQFMBQPSBO ,FQBEB#BOL*OEPOFTJB %JWJTJ,FVBOHBOEBO "LVOUBOTJ 



1FNCBZBSBOSFOFXBMTBT %JWJTJ.BOBKFNFO3JTJLP

ð



1FNCBZBSBOSFOFXBMTBT %JWJTJ.BOBKFNFO3JTJLP



1FOHFNCBOHBOBQMJLBTJ4."35 %JWJTJ.BOBKFNFO 3JTJLP

ð



1FOHFNCBOHBOBQMJLBTJ4."35 %JWJTJ.BOBKFNFO 3JTJLP



1FOHFNCBOHBOBQMJLBTJ5,#EBO*$""1 %JWJTJ .BOBKFNFO3JTJLP 

ð



1FOHFNCBOHBOBQMJLBTJ5,#EBO*$""1 %JWJTJ .BOBKFNFO3JTJLP 



-JTFOTJ01*$43JTL1MVT %JWJTJ.BOBKFNFO3JTJLP



ð

-JTFOTJ01*$43JTL1MVT %JWJTJ.BOBKFNFO3JTJLP



1FNCFMJBO"QMJLBTJ1FMBQPSBO4*% 1FOFNQBUBO %JWJTJ-BZBOBOEBO0QFSBTJPOBM



ð

1FNCFMJBO"QMJLBTJ1FMBQPSBO4*% 1FOFNQBUBO %JWJTJ-BZBOBOEBO0QFSBTJPOBM



1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH "5. %JWJTJ-BZBOBOEBO0QFSBTJPOBM

ð



1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH "5. %JWJTJ-BZBOBOEBO0QFSBTJPOBM



1SPNFT$IBOHFT

ð



1SPNFT$IBOHFT



8FCTDPSJOH.JLSP5JFS

ð



8FCTDPSJOH.JLSP5JFS



4FSUJmLBTJ,BSUV #FSTBNB 3JOUJT "-50

ð

4FSUJmLBTJ,BSUV #FSTBNB 3JOUJT "-50



6QHSBEFQFSBOHLBUSFBEFS "5.&%$

ð

6QHSBEFQFSBOHLBUSFBEFS "5.&%$



6QHSBEF*'

ð



"5./PO5VOBJ

ð

6QHSBEF*' 

"5./PO5VOBJ



.PCJMF#BOLJOH

ð

.PCJMF#BOLJOH



1FOHFNCBOHBOmUVS"5.

ð

1FOHFNCBOHBOmUVS"5.



1FOHFNCBOHBOmUVS&%$

ð

ð

1FOHFNCBOHBOmUVS&%$



1FOHFNCBOHBOmUVS*OUFSOFU#BOLJOH

ð

ð

1FOHFNCBOHBOmUVS*OUFSOFU#BOLJOH



1FOHFNCBOHBOmUVS4.4#BOLJOH



1FOHFNCBOHBOmUVS1IPOF#BOLJOH

ð

ð

1FOHFNCBOHBOmUVS1IPOF#BOLJOH

ð

1FOHFNCBOHBO+BSJOHBO110#

1FOHFNCBOHBOmUVS4.4#BOLJOH



1FOHFNCBOHBO+BSJOHBO110#

ð



1FOHFNCBOHBO1SFQBJEPOMJOF

ð

1FOHFNCBOHBO1SFQBJEPOMJOF



1FOHFNCBOHBO4NBSU$BSE

ð



CKC(BQVSB 5SBOTBDUJPO(BUFXBZ



1FOHFNCBOHBO4NBSU$BSE



1FOHFNCBOHBOmUVS5SBEF1PSUBM



1FOHFNCBOHBOmUVS$BTI1PSUBM



1FOHFNCBOHBO4.4(BUFXBZ

ð

1FOHFNCBOHBO4.4(BUFXBZ



1FOBNCBIBO'JUVSFMFDUSPOJD#BOLJOH

ð

1FOBNCBIBO'JUVSFMFDUSPOJD#BOLJOH

ð

CKC(BQVSB 5SBOTBDUJPO(BUFXBZ



ð

1FOHFNCBOHBOmUVS5SBEF1PSUBM



ð

1FOHFNCBOHBOmUVS$BTI1PSUBM



1FOHFNCBOHBO"QMJLBTJ))EFOHBO#+#4ZBSJBI

ð



1FOHFNCBOHBO"QMJLBTJ))EFOHBO#+#4ZBSJBI



1FOHFNCBOHBO))EFOHBO#13

ð



1FOHFNCBOHBO))EFOHBO#13



CKC(BQVSB .1/



ð

CKC(BQVSB .1/

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

299 INFORMATION TECHNOLOGY

Type of Development No 

Program Kerja "QMJLBTJ))EFOHBO1FNQSPW+BCBSEBO1FNQSPW #BOUFO

Work Program Inhouse

External

ð



"QMJLBTJ))EFOHBO1FNQSPW+BCBSEBO1FNQSPW #BOUFO



"QMJLBTJ))EFOHBO#115

ð

ð

"QMJLBTJ))EFOHBO#115



"QMJLBTJ))EFOHBO1%".

ð



"QMJLBTJ))EFOHBO1%".



"QMJLBTJ))EFOHBO*OTUJUVTJ1FOEJEJLBO

ð



"QMJLBTJ))EFOHBO*OTUJUVTJ1FOEJEJLBO



"QMJLBTJ))EFOHBO346%

ð

ð

"QMJLBTJ))EFOHBO346%



.FOHFNCBOHLBO-BZBOBO$BTI.BOBHFNFOU 4ZTUFN#FSCBTJT8FC *OUFSOFU#BOLJOH$PSQPSBUF



ð

.FOHFNCBOHLBO-BZBOBO$BTI.BOBHFNFOU 4ZTUFN#FSCBTJT8FC *OUFSOFU#BOLJOH$PSQPSBUF



.FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL



ð

.FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL



CKC(BQVSB 5SBOTBDUJPO4XJUDIJOH



ð

CKC(BQVSB 5SBOTBDUJPO4XJUDIJOH



1FOHFNCBOHBO8FC4FSWJDF %JWJTJ*OTUJUVTJPOBM 

ð



1FOHFNCBOHBO8FC4FSWJDF %JWJTJ*OTUJUVTJPOBM 



1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS USBOTBLTJFDIBOOFMCBOLbjb 6OJU&MFDUSPOJD #BOLJOH 

ð

ð

1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS USBOTBLTJFDIBOOFMCBOLbjb 6OJU&MFDUSPOJD #BOLJOH 



bjb(BQVSB /PUPGPDBUJPO$FOUFS 

ð

ð

bjb(BQVSB /PUPGPDBUJPO$FOUFS 



1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB JNQMFNOFUBTJ 6OJU&MFDUSPOJDCBOLJOH 

ð

ð

1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB JNQMFNOFUBTJ 6OJU&MFDUSPOJDCBOLJOH 



1FOHBEBBO7FOEPS&%$CBSVVOUVLNFNFOVIJ LFCVUVIBO.FTJO&%$CBOLbjb 6OJU$BSE$FOUFS 



ð

1FOHBEBBO7FOEPS&%$CBSVVOUVLNFNFOVIJ LFCVUVIBO.FTJO&%$CBOLbjb 6OJU$BSE$FOUFS 



7JSUVBM"DDPVOU



ð

7JSUVBM"DDPVOU



6QEBUF.JOFSWB ,MJFO4411



ð

6QEBUF.JOFSWB ,MJFO4411



1FOHFNCBOHBO4JTUFN&EVQBZ

ð



1FOHFNCBOHBO4JTUFN&EVQBZ



3FTUSVLUVSJTBTJ.FOV"5.

ð



3FTUSVLUVSJTBTJ.FOV"5.



#VML6QMPBE&5BY

ð



#VML6QMPBE&5BY



CKC(BQVSB 5SBOTBDUJPO3FNJUUBODF



ð

CKC(BQVSB 5SBOTBDUJPO3FNJUUBODF



.POJUPSJOH"QMJLBTJ44113FUWJFX



ð

.POJUPSJOH"QMJLBTJ44113FUWJFX



*OTUBMBTJ.FTJO4411



ð

*OTUBMBTJ.FTJO4411



1FSVCBIBO4LFNB5BOEBNBUB#JTOJT4411 3FUDPNN



ð

1FSVCBIBO4LFNB5BOEBNBUB#JTOJT4411 3FUDPNN



"QMJLBTJ'PSN#VLUJ#BZBS1BKBL

ð



"QMJLBTJ'PSN#VLUJ#BZBS1BKBL



"QMJLBTJ))$BMM$FOUFS

ð



"QMJLBTJ))$BMM$FOUFS 4JTUFN1BKBL1##

4JTUFN1BKBL1##









1FNLBC$JBNJT

ð



1FNLBC$JBNJT



1FNLBC5BTJLNBMBZB

ð



1FNLBC5BTJLNBMBZB



1FNLPU4VLBCVNJ

ð



1FNLPU4VLBCVNJ



1FNLPU4FSBOH

ð



1FNLPU4FSBOH



1FNLBC4VCBOH

ð



1FNLBC4VCBOH



1FNLBC*OESBNBZV

ð



1FNLBC*OESBNBZV



1FNLBC4VNFEBOH

ð



1FNLBC4VNFEBOH



1FNLPU5BOHFSBOH

ð



1FNLPU5BOHFSBOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

300

TEKNOLOGI INFORMASI

Type of Development No

Program Kerja

Work Program Inhouse

External



1FNLBC,VOJOHBO

ð



1FNLBC,VOJOHBO



1FNLBC(BSVU

ð



1FNLBC(BSVU



1FNLBC1VSXBLBSUB

ð



1FNLBC1VSXBLBSUB



1FNLBC-FCBL

ð



1FNLBC-FCBL



1FNLPU$JMFHPO

ð



1FNLPU$JMFHPO



1FNLBC$JSFCPO

ð



1FNLBC$JSFCPO



1FNLPU5BOHFSBOH4FMBUBO

ð



1FNLPU5BOHFSBOH4FMBUBO



1FNLBC4FSBOH

ð



1FNLBC4FSBOH



1FNLBC5BOHFSBOH

ð



1FNLBC5BOHFSBOH 1FNLBC1BOHBOEBSBO



1FNLBC1BOHBOEBSBO

ð



4JTUFN#QIUC





4JTUFN#QIUC



1FNLBC,VOJOHBO

ð



1FNLBC,VOJOHBO



1FNLBC.BKBMFOHLB

ð



1FNLBC.BKBMFOHLB





1FNLBC#PHPS$JCJOPOH

ð



1FNLBC#PHPS$JCJOPOH



1FNLPU5BOHFSBOH4FMBUBO&EVQBZ

ð



1FNLPU5BOHFSBOH4FMBUBO&EVQBZ



4UJF&LVJUBT

ð



4UJF&LVJUBT



6OXJN

ð



6OXJN 4JTUFN1BKBL%BFSBI'JY1BZNFOU

4JTUFN1BKBL%BFSBI'JY1BZNFOU









,PUB#PHPS

ð



,PUB#PHPS



,BCVQBUFO#PHPS

ð



,BCVQBUFO#PHPS

4JTUFN1EBN1BZNFOU





4JTUFN1EBN1BZNFOU

,PUB$JSFCPO

ð



,PUB$JSFCPO

 

Sumber Daya Manusia

Human Resources

1. Komposisi sumber daya manusia di bidang TI  %BMBNNFMBLTBOBLBOUVHBTEBOUBOHHVOHKBXBCOZB %JWJTJ 5FLOPMPHJ*OGPSNBTJCBOLbjbEJEVLVOHPMFI1FNJNQJO (SVQZBOHUFMBINFNJMJLJQFOHBMBNBOQFSCBOLBO4FUJBQ HSVQ UFSEJSJ EBSJ CFSCBHBJ UJOHLBUBO QFHBXB BOUBSB MBJO KVOJPS TUBG  PGmDFS  TFOJPS PGmDFS  EBO NBOBHFS 4FMBNB UBIVO  KVNMBI 4%. %JWJTJ 5FLOPMPHJ *OGPSNBTJ CBOL bjbBEBMBITFCBOZBLPSBOHLBSZBXBO EFOHBOSJODJBO TFCBHBJCFSJLVU

1. Human Resources Composition in the Field of IT  *ODBSSZJOHPVUJUTEVUJFTBOESFTQPOTJCJMJUJFT UIF%JWJTJPO PG*OGPSNBUJPO5FDIOPMPHZPGCBOLbjbJTTVQQPSUFECZ (SPVQ -FBEFST XIP IBT IBE CBOLJOH FYQFSJFODF &BDI HSPVQ DPOTJTUT PG WBSJPVT MFWFMT PG FNQMPZFFT JODMVEF KVOJPS TUBGG  PGmDFS  TFOJPS PGmDFS  BOE NBOBHFS %VSJOH  UIF OVNCFS PG )3 JO UIF *OGPSNBUJPO 5FDIOPMPHZ %JWJTJPO PG CBOL bjb JT  FNQMPZFFT  XJUI UIF GPMMPXJOH EFUBJMT

Jabatan

Count of NIP

Row Labels

"TTJTUBOU (SBEF



"TTJTUBOU (SBEF

"TTJTUBOU.BOBHFS (SBEF



"TTJTUBOU.BOBHFS (SBEF

"TTJTUBOU7JDF1SFTJEFOU (SBEF



"TTJTUBOU7JDF1SFTJEFOU (SBEF

"TTJTUBOU7JDF1SFTJEFOU (SBEF



"TTJTUBOU7JDF1SFTJEFOU (SBEF



+VOJPS"TTJTUBOU (SBEF



.BOBHFS 5FOBHB"IMJ

+VOJPS"TTJTUBOU (SBEF

.BOBHFS 5FOBHB"IMJ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

301 INFORMATION TECHNOLOGY

Jabatan

Count of NIP

.BOBHFS4VQQPSU (SBEF

Row Labels



4FOJPS"TTJTUBOU (SBEF



4FOJPS"TTJTUBOU (SBEF



4FOJPS.BOBHFS4VQQPSU (SBEF



(SBOE5PUBM

4FOJPS.BOBHFS4VQQPSU (SBEF

(SBOE5PUBM

.BOBHFS4VQQPSU (SBEF

Perkembangan struktur dan Sumber Daya Manusia Divisi TI sampai dengan Desember 2014

Structure and Human Resources Development of the IT Division up to December 2014

%BMBN SBOHLB NFOJOHLBULBO MBZBOBO 5FLOPMPHJ *OGPSNBTJ EJ MJOHLVOHBOCBOLbjbZBOHTFMBSBTEFOHBOLFCVUVIBOCJTOJT TFSUB NFOHBDV QBEB TUBOEBS IT Governance best practice  NJTBMOZB $0#*5  *OGPSNBUJPO 5FDIOPMPHZ *OGSBTUSVDUVSF -JCSBSZ NBLB EJTVTVOMBI TUSVLUVS PSHBOJTBTJ %JWJTJ 5FLOPMPHJ *OGPSNBTJZBOHTFTVBJ

*OPSEFSUPJNQSPWF*5TFSWJDFTJOCBOLbjbUPCFBMJHOFEXJUI UIF CVTJOFTT OFFET BT XFMM BT SFGFSSJOH UP *5 (PWFSOBODF CFTU QSBDUJDF TUBOEBSET  TVDI BT $0#*5 BOE *OGPSNBUJPO 5FDIOPMPHZ *OGSBTUSVDUVSF -JCSBSZ  BO BQQSPQSJBUF *5 %JWJTJPO PSHBOJ[BUJPOBMTUSVDUVSFXBTESBGUFE

4USVLUVS PSHBOJTBTJ UFSTFCVU NFODBLVQ TFMVSVI QSPTFT 5* ZBOH NFOEVLVOH LFCVUVIBO CJTOJT EBO compliance TFDBSB MFOHLBQTFSUBEBQBUEJKBMBOLBOTFTVBJEFOHBO*5governance ZBOHCBJL SFTQPOTJGUFSIBEBQTFUJBQNBTBMBIPQFSBTJPOBMEBO TFMBMV CFSQFSBO BLUJG EBMBN NFOHIBTJMLBO MBZBOBO UFLOPMPHJ JOGPSNBTJZBOHTFTVBJLFCVUVIBOCJTOJT

5IFPSHBOJ[BUJPOBMTUSVDUVSFDPWFSTBMM*5QSPDFTTFTUIBUTVQQPSU CVTJOFTT SFRVJSFNFOUT BOE DPNQMJBODF DPNQSFIFOTJWFMZ BOE DBO CF SVO JO BDDPSEBODF XJUI HPPE *5 HPWFSOBODF  SFTQPOTJWFUPBOZPQFSBUJPOBMJTTVFTBOEIBTBMXBZTQMBZFE BO BDUJWF SPMF JO HFOFSBUJOH JOGPSNBUJPO UFDIOPMPHZ TFSWJDFT UIBUBSFBQQSPQSJBUFXJUIUIFCVTJOFTTOFFET

4USVLUVS0SHBOJTBTJ%JWJTJ5FLOPMPHJ*OGPSNBTJ 0SHBOJ[BUJPO4USVDUVSF*OGPSNBUJPO5FDIOPMPHZ%JWJTJPO

DIREKTUR OPERASI

DIVISI TEKNOLOGI INFORMASI PEMIMPIN DIVISI

Grup Strategic & Planning Governance

Grup Core Banking Application

Pemimpin Grup

2IÀFHU

Grup Switching & Interchanel

*UXS+HDG2IÀFH Application

Pemimpin Grup

Grup Liason & Project Management

Pemimpin Grup

Pemimpin Grup

2IÀFHU

2IÀFHU

Manager

Staff

Staff

2IÀFHU

Grup System & Network Management

Pemimpin Grup

Grup QA & Security Management

Pemimpin Grup

Grup Helpdesk & DC Operation

Pemimpin Grup

Pemimpin Grup

2IÀFHU

2IÀFHU

2IÀFHU

2IÀFHU

Staff

Staff

Staff

Staff

4FMBJO JUV VOUVL NFOJOHLBULBO LPNQFUFOTJ NBTJOHNBTJOH QFSTPOJM EJWJTJ 5FLOPMPHJ *OGPSNBTJ EJMBLVLBO EFOHBO NFMBMVJ QFMBUJIBOQFMBUJIBO ZBOH EJTFMFOHHBSBLBO JOUFSOBM NBVQVO FLTUFSOBMCBJLEJEBMBNEBOMVBSOFHFSJ

*OBEEJUJPO USBJOJOHTPSHBOJ[FEJOUFSOBMMZPSFYUFSOBMMZBUIPNF BOE PWFSTFBT BSF DPOEVDUFE UP JNQSPWF UIF DPNQFUFODF PG FBDI*5%JWJTJPQFSTPOOFM

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

302

TEKNOLOGI INFORMASI

2. Pendidikan dan Pelatihan  4FMBNB UBIVO  %JWJTJ 5FLOPMPHJ *OGPSNBTJ CBOL bjb UFMBI NFOHJLVUJ QFMBUJIBO EBO QFOEJEJLBO UFSLBJU CJEBOH UFLOPMPHJJOGPSNBTJCBJLJUVZBOHEJTFMFOHHBSBLBOinhouse trainingNBVQVOEJMVBSCBOLbjb CFSJLVUEBUBQFOEJEJLBO EBO QFMBUJIBO ZBOH UFMBI EJJLVUJ PMFI 4%. 5FLOPMPHJ *OGPSNBTJCBOLbjb No.

2. Education and Training  %VSJOH UIF*OGPSNBUJPO5FDIOPMPHZ%JWJTJPOPGCBOL bjb IBT QBSUJDJQBUFE JO USBJOJOH BOE FEVDBUJPO SFMBUFE UP UIF mFME PG JOGPSNBUJPO UFDIOPMPHZ CPUI PSHBOJ[FE JO IPVTFBOEPVUTJEFUIFCBOLbjb UIFGPMMPXJOHEBUBJTUIF FEVDBUJPOBOEUSBJOJOHUIBUIBTCFFOQBSUJDJQBUFECZUIF )3PG*OGPSNBUJPO5FDIOPMPHZPGCBOLCKC

Jabatan/Position

Pelatihan/Training

Tempat/ Location



1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO

)PX5P$SFBUF-4.,8JUI9#3-

+BLBSUB



1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO

.BOBKFNFO3JTJLP"OHLBUBO

#BOEVOH



1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO

.BOBHJOH*53JTL



1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ



1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU

1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM



1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU

6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

#BOEVOH

7

1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU

-FBEFSTIJQ.BOBHJOH1FPQMF

#BOEVOH

+BLBSUB #BOEVOH +BLBSUB



1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



0GmDFS2VBMJUZ"TTVSBODF

1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO

#BOEVOH



0GmDFS2VBMJUZ"TTVSBODF

5SBJOJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0,



0GmDFS2VBMJUZ"TTVSBODF

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ



0GmDFS2VBMJUZ"TTVSBODF

1FMBUJIBO3QH*W1SPHSBNNJOH'SPN#BTJD5P"EWBODF 8PSLTIPQ



+VOJPS4UBGG)FMQEFTL

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ



+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU

1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$



+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



+VOJPS4UBGG)FMQEFTL

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



+VOJPS4UBGG%BUB$FOUFS%3$

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



+VOJPS4UBGG%BUB$FOUFS%3$

1FMBUJIBO*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF

#BOEVOH



+VOJPS4UBGG/FUXPSL4FDVSJUZ&OHJOFFS

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



0GmDFS%BUB$FOUFS%3$

$PBDIJOH"OE$PVOTFMMJOH4LJMM

#BOEVOH



0GmDFS%BUB$FOUFS%3$

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



0GmDFS%BUB$FOUFS%3$

1FMBUJIBO3QH*W1SPHSBNNJOH'SPN#BTJD5P"EWBODF 8PSLTIPQ

+BLBSUB #BOEVOH +BLBSUB #BOEVOH +BLBSUB

+BLBSUB



+VOJPS4UBG4FDVSJUZ"ENJO

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



+VOJPS4UBGG%BUB$FOUFS%SD

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU

1FMBUJIBO$BMPO1FHBXBJCBOLbjb"OHLBUBO5BIVO

#BOEVOH



+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU

$IBSBDUFS#VJMEJOH4FNJ.JMJUFS"OHLBUBO

#BOEVOH



+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU

0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ

#BOEVOH



.BOBHFS1SPKFDU.BOBHFNFOU

"16115

#BOEVOH



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bank bjb Laporan Tahunan 2014

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303 INFORMATION TECHNOLOGY

No.

Jabatan/Position

Pelatihan/Training

Tempat/ Location



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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

304

TEKNOLOGI INFORMASI

No.

Jabatan/Position

Pelatihan/Training

Tempat/ Location



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bank bjb Laporan Tahunan 2014

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

305 INFORMATION TECHNOLOGY

No.

Jabatan/Position

Pelatihan/Training

Tempat/ Location



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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

306

TEKNOLOGI INFORMASI

No.

Jabatan/Position

Pelatihan/Training

Tempat/ Location



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bank bjb Laporan Tahunan 2014

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

307 INFORMATION TECHNOLOGY

Rencana Strategi TI

IT Strategy Plan

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Arsitektur Core Banking

Core Banking Architecture

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1. Core Layer  .FOHFMPMBEBUBEBOQSPTFTZBOHUFSLBJUEFOHBOOBTBCBI  SFLFOJOH  QSPEVL EBO USBOTBLTJ Layer JOJ NFOZFEJBLBO GVOHTJGVOHTJ MBZBOBO QSPTFT CJTOJT ZBOH NFOEVLVOH access layer

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2. Access Layer  .FSVQBLBOMBQJTBOZBOHNFNVOHLJOLBOBQMJLBTJNBVQVO channel MBJO NFOHBLTFT BQMJLBTJ core banking EFOHBO BNBOEBOUFSKBNJOLFBOEBMBOOZB

2. Access Layer  " MBZFS UIBU BMMPXT UIF BQQMJDBUJPOT BOE PUIFS DIBOOFMT UPBDDFTTUIFDPSFCBOLJOHBQQMJDBUJPOTXJUITFDVSFBOE HVBSBOUFFESFMJBCJMJUZ

3. Accounting & Finance serta Infrastructure Layer  .FNCFSJ EVLVOHBO QSPTFT EBO business logic TFSUB JOGSBTUSVLUVSZBOHNFNBEBJTFIJOHHBcore bankingEBQBU NFNCFSJLBO MBZBOBO BOEBM  BNBO EBO DFQBU TFTVBJ EFOHBOLFCVUVIBOCJTOJTZBOHEJOBNJT

3. Accounting & Finance and Infrastructure Layer  1SPWJEF QSPDFTTFT BOE CVTJOFTT MPHJD TVQQPSU BT XFMM BTBEFRVBUFJOGSBTUSVDUVSF FOBCMJOHUIFDPSFCBOLJOHUP QSPWJEFSFMJBCMF TBGFBOEGBTUTFSWJDFTJOBDDPSEBODFXJUI UIFEZOBNJDCVTJOFTTOFFET

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bank bjb Annual Report 2014

308

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TEKNOLOGI INFORMASI

5. Arsitektur Middleware (Transaction Gateway)  .FSVQBLBO BSTJUFLUVS ZBOH NFNQFSMJIBULBO DBSB JOUFSLPOFLTJ BOUBSB BQMJLBTJBQMJLBTJ BUBV TJTUFN EJ MVBS core banking ZBOH QFSMV NFMBLVLBO JOUFSLPOFLTJ LF core banking  TFEFNJLJBO SVQB TFIJOHHB UJEBL UFSKBEJ LPOFLTJMBOHTVOHLFBQMJLBTJcore bankingUBOQBNFMBMVJ middlewareBUBVinterfaceZBOHEJTFEJBLBO

5. Arsitektur Middleware (Transaction Gateway)  "O BSDIJUFDUVSF UIBU EFNPOTUSBUFT UIF JOUFSDPOOFDUJPO CFUXFFOBQQMJDBUJPOTPSTZTUFNTPVUTJEFUIFDPSFCBOLJOH UIBUOFFEUPJOUFSDPOOFDUUPUIFDPSFCBOLJOH TVDIUIBUB EJSFDUDPOOFDUJPOUPUIFDPSFCBOLJOHBQQMJDBUJPOEPFTOPU PDDVSXJUIPVUHPJOHUISPVHIUIFQSPWJEFENJEEMFXBSFPS JOUFSGBDF

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1. Pengembangan Middleware  1FOHFNCBOHBOmiddlewareZBOHBLBOCFSGVOHTJTFCBHBJ QFSBOUBSB BUBV HFSCBOH USBOTBLTJ transaction gateway  VOUVL TFMVSVI BQMJLBTJ MVBS ZBOH NFNFSMVLBO LPOFLTJ LF core banking

1. Middleware Development  .JEEMFXBSF EFWFMPQNFOU UIBU XJMM TFSWF BT B USBOTBDUJPO JOUFSNFEJBSZ PS HBUFXBZ USBOTBDUJPO HBUFXBZ  GPS BMM FYUFSOBM BQQMJDBUJPOT UIBU SFRVJSF DPOOFDUJPO UP UIF DPSF CBOLJOH

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3. Server Middleware  1FOHBEBBO server BUBV QFOBNCBIBO core VOUVL NFOZFEJBLBO server BUBV logical server  VOUVL BQMJLBTJ middleware

3. Server Middleware  1SPDVSFNFOU PG TFSWFS PS BEEJUJPO PG DPSFT UP QSPWJEF B TFSWFS PSMPHJDBMTFSWFS GPSNJEEMFXBSFBQQMJDBUJPOT

4. Migrasi Sistem Middleware  1SPTFTNJHSBTJEBSJmiddlewareMBNBLFmiddlewareCBSV 1SPTFTJOJIBSVTNFODBLVQQFSFODBOBBO QFOHVKJBOZBOH LFUBU risk management plan,roll back plan

4. Middleware System Migration  5IFNJHSBUJPOQSPDFTTGSPNUIFPMENJEEMFXBSFUPUIFOFX NJEEMFXBSF5IJTQSPDFTTNVTUJODMVEFQMBOOJOH SJHPSPVT UFTUJOH SJTLNBOBHFNFOUQMBO SPMMCBDLQMBO

5. Penyusunan Dokumen SOP Middleware  1FOZVTVOBO %PLVNFO 401 VOUVL   request LPOFLTJ LF middleware   UFSNJOBTJ LPOFLTJ LF middleware   QSPTFEVSmonitoring  QSPTFEVSFTLBMBTJNBTBMBI

5. Middleware SOP Document Drafting  401 EPDVNFOU QSFQBSBUJPO GPS   DPOOFDUJPO SFRVFTU UP UIF NJEEMFXBSF   DPOOFDUJPO UFSNJOBUJPO UP UIF NJEEMFXBSF   NPOJUPSJOH QSPDFEVSFT   FTDBMBUJPO PG QSPCMFNQSPDFEVSFT

6. Upgrade Sistem Core Banking yang mencakup: B 6QHSBEF QMBUGPSN 'SPOU 0GmDF 4ZTUFN ZBOH TBBU JOJ NFOHHVOBLBO platform .JDSPTPGU 8JOEPXT 4FSWFS NFOKBEJplatform*#."*9 C Upgrade Core Banking System ZBOH TBBU JOJ NFOHHVOBLBO core banking &RVBUJPO  BLBO EJMBLVLBOupgradeLFEBMBNUFLOPMPHJCBSVZBJUV#BOL 'VTJPO&RVBUJPO

6. Core Banking System Update which includes: B 'SPOU0GmDF4ZTUFNQMBUGPSNVQHSBEFUIBUJTDVSSFOUMZ VTJOH.JDSPTPGU8JOEPXT4FSWFSQMBUGPSNJOUPUIF *#."*9QMBUGPSN C $PSF#BOLJOH4ZTUFNVQHSBEFUIBUJTDVSSFOUMZVTJOH UIFDPSFCBOLJOH&RVBUJPOXJMMCFVQHSBEFEUPUIF OFXUFDIOPMPHZ OBNFMZUIF#BOL'VTJPO&RVBUJPO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

309 INFORMATION TECHNOLOGY

D 6QHSBEF'SPOU0GmDF"QQMJDBUJPOZBOHEJHVOBLBOPMFI 4VQFSWJTPS'SPOU0GmDF 5FMMFSEBO$VTUPNFS4FSWJDFT  ZBOHTBBUJOJNFOHHVOBLBOTJTUFN$$*4o&#"W (Consolidated Customer Information ServeroEquation Branch Automation BLBOEJMBLVLBOupgradeLFEBMBN UFLOPMPHJCBSVZBJUV#BOL'VTJPO8FC5FMMFS E Upgrade NFTJO server  Core Banking Processing System ZBOH TFCFMVNOZB NFOHHVOBLBO NFTJO *#. JTFSJFTEFOHBOOperating System0473. NFOKBEJNFTJO*#.1PXFSEFOHBOOperating System *#.J F 1FOHFNCBOHBO middleware ZBOH BLBO CFSGVOHTJ TFCBHBJQFSBOUBSBBUBVHFSCBOHUSBOTBLTJ transaction gateway VOUVLTFMVSVIBQMJLBTJMVBSZBOHNFNFSMVLBO LPOFLTJLFcore banking

D 'SPOU 0GmDF "QQMJDBUJPO VQHSBEF UIBU JT VTFE CZ UIF 'SPOU 0Gm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

Arsitektur Aplikasi

Application Architecture

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Arsitektur Database

Database Architecture

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0OF PG UIF TFDVSJUZ MPPQIPMF JO UIF JOUFSOBM TJEF JT UIF PQFO EJSFDU BDDFTT UP EBUBCBTF UBCMFT XJUIPVU HPJOH UISPVHI BO BQQMJDBUJPO EFTJHOFE UP BDDFTT JU 5IFSFGPSF DPOUFOU UBCMF TFDVSJUZ NVTU CF DPOEVDUFE UISPVHI   FODSZQUJPO JO UIF %#.4 TP UIBU UIF DPOUFOU JT TUPSFE JO BO FODSZQUFE TUBUF PQUJPO TFDVSF FODSZQUFE EBUBCBTF

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6OUVL LFNVEBIBO NBOBKFNFO  SFQMJLBTJ %$%3$ BUBV backup  TFSUB FmTJFOTJ  EJMBLVLBO LPOTPMJEBTJ platform VOUVL JNQMFNFOUBTJdatabaseZBOHNFODBLVQ LPOTPMJEBTJ%#.4 UJEBL UFSMBMV CBOZBL brand EBO WFSTJ

   LPOTPMJEBTJ server VOUVLJNQMFNFOUBTJdatabase EBO LPOTPMJEBTJstorage

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  UIFDPOTPMJEBUJPOPGTFSWFSTGPSEBUBCBTFJNQMFNFOUBUJPO BOE  TUPSBHFDPOTPMJEBUJPO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

310

TEKNOLOGI INFORMASI

4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO  Assessment TFMVSVI database QFOEVLVOH BQMJLBTJ VOUVL NFOHJEFOUJmLBTJ database ZBOH EJKBMBOLBO QBEB mode secure encrypted  BUBV UJEBL  TFSUB JEFOUJmLBTJ KFOJT platform %#.4OZB ,FNVEJBO NFOHJOEFUJmLBTJ  BQBLBIqueryEJEBMBNBQMJLBTJOZBNFNVOHLJOLBOVOUVL EJNPEJmLBTJLFmode secureBUBVUJEBL  1SPTFT NPEJmLBTJ BQMJLBTJ ZBOH CFMVN NFOHHVOBLBO database secure BHBS query EJNPEJmLBTJ LF NPEF database secure4FUJBQBQMJLBTJIBSVTEJKBMBOLBOTFCBHBJ QSPZFL ZBOH JOEFQFOEFO EFOHBO NFNQFSIBUJLBO B  QFSFODBOBBO C  QSPTFT NPEJmLBTJ source code D  QFOHVKJBO E risk management F rollback management  .FOFOUVLBO KFOJT platform %#.4 ZBOH BLBO EJHVOBLBO PMFI CBOL bjb UJEBL UFSMBMV CBOZBL

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"OVNCFSPGQMBOOFEJOJUJBUJWFT  "TTFTTNFOU PG UIF FOUJSF BQQMJDBUJPO TVQQPSU EBUBCBTF UP JEFOUJGZ UIF EBUBCBTF UIBU SVOT PO UIF TFDVSF NPEF FODSZQUFE PSOPU BTXFMMBTUIFJEFOUJmDBUJPOPGJUT%#.4 QMBUGPSNT 5IFO JEFOUJGZJOH  XIFUIFS UIF RVFSZ JO UIF BQQMJDBUJPOBMMPXTUPNPEJGZUIFTFDVSFNPEFPSOPU  "QQMJDBUJPO NPEJmDBUJPO QSPDFTT EP OPU VTF B TFDVSF EBUBCBTF TP UIBU UIF RVFSZ JT NPEJmFE JOUP B TFDVSF EBUBCBTF NPEF &BDI BQQMJDBUJPO NVTU CF SVO BT BO JOEFQFOEFOU QSPKFDU XJUI SFTQFDU UP B  QMBOOJOH C  TPVSDF DPEF NPEJmDBUJPO QSPDFTT D  UFTUJOH E  SJTL NBOBHFNFOU F SPMMCBDLNBOBHFNFOU %FUFSNJOFUIFUZQFPG%#.4QMBUGPSNUIBUXJMMCFVTFECZ CBOL bjb OPU UIBU NBOZ

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Arsitektur Server

Server Architecture

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5IJT BSDIJUFDUVSF TIPXT UIF WBSJPVT BSDIJUFDUVSF QPTTJCJMJUJFT GPSUIFQMBDFNFOUPGUIFWJSUVBMJ[BUJPOMBZFS UIF04 BQQMJDBUJPO BT XFMM BT %#.4 JO B TFSWFS  UIFSFGPSF PCUBJOJOH UIF NPTU PQUJNBM DPOmHVSBUJPO 5IF NPTU PQUJNBM DPOmHVSBUJPO DBO CFBDIJFWFECZUBLJOHJOUPBDDPVOUUIFGPMMPXJOHGBDUPST   QFSGPSNBODF   TFSWFSVUJMJUZ   BWBJMBCJMJUZ   TFQBSBUJPOPG GVODUJPOT BQQMJDBUJPOTBOEEBUBCBTFT 

6OUVLserver-serverZBOHEJUVOUVULJOFSKBNBLTJNVN NJTBMOZB core banking

NBLBBQMJLBTJEJKBMBOLBOUBOQBWJSUVBMJTBTJBUBV UBOQB sharing QFOHHVOBBO server EFOHBO BQMJLBTJ MBJOOZB LPOmHVSBTJ# 4FEBOHLBOEFNJQFOJOHLBUBOVUJMJTBTJserver  BQMJLBTJBQMJLBTJ TFSUB database ZBOH UJEBL NFOVOUVU LJOFSKB ZBOH UJOHHJ non high performance  EBQBU EJKBMBOLBO QBEB TBUV NFTJO TFDBSB CFSTBNBTBNB NFOHHVOBLBO UFLOPMPHJ WJSUVBMJTBTJ LPOmHVSBTJ" 

'PS TFSWFST UIBU EFNBOE NBYJNVN QFSGPSNBODF FH DPSF CBOLJOH

UIFBQQMJDBUJPOJTSVOXJUIPVUWJSUVBMJ[BUJPOPSXJUIPVU TIBSJOHUIFTFSWFSVTFXJUIPUIFSBQQMJDBUJPOT DPOmHVSBUJPO#  .FBOXIJMF JOPSEFSUPJNQSPWFTFSWFSVUJMJ[BUJPO BQQMJDBUJPOT BTXFMMBTEBUBCBTFUIBUEPOPUSFRVJSFIJHIQFSGPSNBODF OPO IJHI QFSGPSNBODF  DBO CF SVO UPHFUIFS JO B TJOHMF NBDIJOF VTJOHWJSUVBMJ[BUJPOUFDIOPMPHZ DPOmH" 

#BHJ database high-performance EJKBMBOLBO QBEB server EFOHBOLPOmHVSBTJ$"QMJLBTJBQMJLBTJZBOHEJKBMBOLBOQBEB virtual server  IBSVT CFSBEB QBEB [POB ZBOH TBNB EBMBN QFNCBHJBO[POBLFBNBOBO

'PS IJHIQFSGPSNBODF EBUBCBTF SVOOJOH PO B TFSWFS XJUI DPOmHVSBUJPO$"QQMJDBUJPOTUIBUSVOPOBWJSUVBMTFSWFS NVTU CFPOUIFTBNF[POFJOUIFTFDVSJUZ[POFEJWJTJPO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

311 INFORMATION TECHNOLOGY

4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO  .FMBLVLBO assessment TFMVSVI server VOUVL NFOHJEFOUJmLBTJ B  VUJMJTBTJ server C  BQBLBI TVEBI NFOHHVOBLBO WJSUVBMJTBTJ D  operating system ZBOH EJHVOBLBO EBO IBM oIBM MBJO ZBOH CFSIVCVOHBO EFOHBO LJOFSKBEBOUJOHLBULSJUJLBMBQMJLBTJZBOHKBMBOQBEBserver UFSTFCVU#FSEBTBSLBOIBTJMassessmentEJTVTVOmapping WJSUVBMJTBTJBQMJLBTJEBOserver  1SPTFT NJHSBTJ BQMJLBTJBQMJLBTJ ZBOH NBTJI CFSKBMBO EJ single server LF EBMBN server ZBOH UFSLPOTPMJEBTJ NFOHHVOBLBO WJSUVBMJTBTJ .JHSBTJ NFOHBDV QBEB mapping IBTJM assessment 1SPTFT NJHSBTJ IBSVT EJKBMBOLBO TBUV QFSTBUV EFOHBO NFNQFSIBUJLBO B  QFSFODBOBBO C  QFOHVKJBO D  risk management E  rollback management 1SPZFL NJHSBTJ IBSVT EJMBLVLBO UFSQJTBIVOUVLTFUJBQBQMJLBTJ  1FOHFNCBOHBOBUBVNPEJmLBTJEPLVNFOQFOHFNCBOHBO BQMJLBTJ EFOHBO NFOBNCBILBO CBHJBO QFOHBUVSBO deploymentBQMJLBTJEJserver

"OVNCFSPGQMBOOFEJOJUJBUJWFT  "TTFTTJOHUIFFOUJSFTFSWFSUPJEFOUJGZB TFSWFSVUJMJ[BUJPO C XIUFIFSBMSFBEZVTJOHWJSUVBMJ[BUJPOD PQFSBUJOHTZTUFN VTFE BOE PUIFST NBUUFST XIJDI SFMBUF UP QFSGPSNBODF BOE UIF BQQMJDBUJPO DSJUJDBM MFWFM UIBU SVO PO UIF TFSWFS #BTFEPOUIFBTTFTTNFOUSFTVMUT BQQMJDBUJPOBOETFSWFS WJSUVBMJ[BUJPONBQQJOHJTDPNQJMFE  5IF NJHSBUJPO QSPDFTT PG BQQMJDBUJPOT UIBU TUJMM SVO PO B TJOHMFTFSWFSJOUPBDPOTPMJEBUFETFSWFSVTJOHWJSUVBMJ[BUJPO .JHSBUJPO SFGFST UP UIF BTTFTTNFOU SFTVMUT NBQQJOH 5IF NJHSBUJPO QSPDFTT NVTU CF FYFDVUFE POF CZ POF XJUI SFTQFDU UP B  QMBOOJOH C  UFTUJOH D  SJTL NBOBHFNFOU E SPMMCBDLNBOBHFNFOU.JHSBUJPOQSPKFDUNVTUCFEPOF TFQBSBUFMZGPSFBDIBQQMJDBUJPO  %FWFMPQNFOU PS NPEJmDBUJPO PG BQQMJDBUJPO EFWFMPQNFOU EPDVNFOUT CZ BEEJOH UIF TFUUJOH TFDUJPOT JO UIF TFSWFS BQQMJDBUJPOEFQMPZNFOU

Arsitektur Storage

Storage Architecture

"STJUFLUVS JOJ NFNQFSMJIBULBO LPOTPMJEBTJ storage EJ NBTB EFQBOVOUVLNFOKBXBCLFCVUVIBO LFNVEBIBONBOBKFNFO storage LFNVEBIBONFNGBTJMJUBTJQFSUVNCVIBOLBQBTJUBT storage   LFNVEBIBO SFQMJLBTJ   LFNVEBIBO LPOUSPM  UFSVUBNB LFBNBOBO   LFNVEBIBO backup EBO recovery NFMBMVJEnterprise BackupRecovery SolutionVOUVLTFMVSVI OPOCore-Banking "*9 -JOVY Y

5IJT BSDIJUFDUVSF TIPXT UIF DPOTPMJEBUJPO PG TUPSBHF JO UIF GVUVSFUPBEESFTTUIFOFFETPG FBTFPGTUPSBHFNBOBHFNFOU  FBTFPGGBDJMJUBUJOHUIFHSPXUIPGTUPSBHFDBQBDJUZ FBTF PG SFQMJDBUJPO   FBTF PG DPOUSPM  TQFDJmDBMMZ TFDVSJUZ   FBTF PG CBDLVQ BOE SFDPWFSZ UISPVHI &OUFSQSJTF #BDLVQ  3FDPWFSZ4PMVUJPOGPSBMMOPO$PSF#BOLJOH "*9 -JOVY Y

4FDBSB-0(*," JNQMFNFOUBTJmTJLOZBNVOHLJOCFSTBUV

BEB logicalcluster4"/ Storage Area network

ZBJUV  4"/ VOUVL Core Server EBO %BUB 4USBUFHJT ZBOH QFSMV EJSFQMJLBTJreal-timeLF%3$  4"/VOUVLserver non-core TVCEBOTVC   4"/ VOUVL NFOEVLVOH UFSNJOBMUFSNJOBM user EBUB  BQMJLBTJ boot 

*O-0(*$ QIZTJDBMJNQMFNFOUBUJPONBZCFVOJUFE

UIFSFBSF GPVS4"/ 4UPSBHF"SFB/FUXPSL MPHJDBMDMVTUFS OBNFMZ  4"/GPSUIF$PSF4FSWFSBOE4USBUFHJD%BUBUIBUOFFETUP CFSFQMJDBUFESFBMUJNFUPUIF%3$  4"/GPSUIFOPODPSFTFSWFS TVCEBOTVC   4"/UPTVQQPSUVTFSUFSNJOBMT EBUB BQQMJDBUJPO CPPU 





4FMBJOJUV storageUJEBLIBOZBEJUVKVLBOVOUVLNFOEVLVOH LFCVUVIBOstorageEJserver UFUBQJKVHBVOUVLNFOEVLVOH storageVOUVLTFUJBQUFSNJOBMLFSKBEBOEBUBTFUJBQTUBG

4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO  .JHSBTJstorageVOUVLBQMJLBTJEBOdatabasecorebanking LF TJTUFN storage 4"/ VOUVL NFNVEBILBO QFOHFMPMBBO EBOSFQMJLBTJ%$%3$1SPTFTJOJTBOHBUUFSHBOUVOHQBEB LFUFSCVLBBO platform Core Banking ZBOH EJHVOBLBO 

*O BEEJUJPO  TUPSBHF JT OPU POMZ JOUFOEFE UP TVQQPSU UIF OFFETPGTUPSBHFPOUIFTFSWFS CVUBMTPUPTVQQPSUTUPSBHF PGFBDIXPSLUFSNJOBMBOEUIFEBUBPGFBDITUBGG

"OVNCFSPGQMBOOFEJOJUJBUJWFT  4UPSBHF NJHSBUJPO GPS BQQMJDBUJPOT BOE DPSF CBOLJOH EBUBCBTFT UP UIF 4"/ TUPSBHF TZTUFN UP GBDJMJUBUF UIF NBOBHFNFOU BOE SFQMJDBUJPO PG %$ %3$ 5IJT QSPDFTT JT IJHIMZ EFQFOEFOU PO UIF PQFOOFTT PG $PSF #BOLJOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

312

TEKNOLOGI INFORMASI

BQBLBI NBTJI NFOHHVOBLBO NFLBOJTNF ZBOH TQFTJmL CBHJBO EBSJ BQMJLBTJ core banking  BUBV SFQMJLBTJOZB TVEBIEJBUVSPMFITJTUFNstorageOZB  .FMBLVLBOassessmentTFMVSVIBQMJLBTJnoncorebanking EBOdatabaseVOUVLNFOFOUVLBOQFNFUBBOQFOFNQBUBO BQMJLBTJ EBO database QFOEVLVOHOZB EBMBN TJTUFN storageCFSTBNB 4"/storage   #FSEBTBSLBOIBTJMassessment TFDBSBCFSUBIBQEJMBLVLBO NJHSBTJVOUVLUVKVBOLPOTPMJEBTJstorageBQMJLBTJnoncore banking  #FSEBTBSLBOIBTJMassessment TFDBSBCFSUBIBQEJMBLVLBO NJHSBTJ VOUVL UVKVBO LPOTPMJEBTJ storage database non corebanking  6OUVL NFOJOHLBULBO LPOUSPM LFBNBOBO EBUBEBUB QFSVTBIBBO  TFDBSB CFSUBIBQ  TFMVSVI EBUBEBUB LFSKB QFSVTBIBBOZBOHTFMBNBJOJEJTJNQBOEJstorageNBTJOH NBTJOHEJBMJILBOLFcorporatestorage  4FDBSB CFSUBIBQ NFMBLVLBO LPOTPMJEBTJ Backup & RecoveryNFMBMVJEnterpriseBackup&Recoverysolution











QMBUGPSNVTFE XIFUIFSUIFZTUJMMVTFBTQFDJmDNFDIBOJTN QBSU PG UIF DPSF CBOLJOH BQQMJDBUJPO  PS JG JUT SFQMJDBUJPO IBTCFFOTFUCZJUTTUPSBHFTZTUFN 1FSGPSN BTTFTTNFOUT UP UIF FOUJSF OPODPSF CBOLJOH BQQMJDBUJPOT BOE EBUBCBTFT UP EFUFSNJOF UIF NBQQJOH QMBDFNFOU PG BQQMJDBUJPO BOE JUT TVQQPSUJOH EBUBCBTF JO UIFTIBSFETUPSBHFTZTUFN 4"/TUPSBHF  #BTFE PO UIF BTTFTTNFOU SFTVMUT  NJHSBUJPO JT HSBEVBMMZ DBSSJFE PVU XJUI UIF QVSQPTF PG OPODPSF CBOLJOH BQQMJDBUJPOTUPSBHFDPOTPMJEBUJPO #BTFE PO UIF BTTFTTNFOU SFTVMUT  NJHSBUJPO JT HSBEVBMMZ DBSSJFEPVUXJUIUIFQVSQPTFPGOPODPSFCBOLJOHEBUBCBTF TUPSBHFDPOTPMJEBUJPO 5P JODSFBTF UIF TFDVSJUZ DPOUSPM PG DPNQBOZ EBUB  HSBEVBMMZ BMMXPSLEBUBPGUIFDPNQBOZXIJDIIBTCFFO LFQU JO UIF SFTQFDUJWF TUPSBHF BSF USBOTGFSSFE JOUP UIF DPSQPSBUFTUPSBHF (SBEVBMMZ QFSGPSN #BDLVQ  3FDPWFSZ DPOTPMJEBUJPO UISPVHIUIF&OUFSQSJTF#BDLVQ3FDPWFSZTPMVUJPO

Arsitektur Keamanan

Security Architecture

"STJUFLUVS LFBNBOBO EJUVKVLBO TFCBHBJ SFGFSFOTJ ZBOH NFNQFSMJIBULBOQFNCBHJBO[POBVOUVLNFOHBUVSLFBNBOBO BLTFT "EB  [POB CFTBS  ZBJUV [POB  QBMJOH LJSJ

 [POB  UFOHBI

 EBO [POB  LBOBO  5JOHLBU LFBNBOBO TFNBLJO LFLBOBOTFNBLJOUJOHHJLBSFOBNFMBMVJmSFXBMMmSFXBMMZBOH EJTVTVOTFDBSBCFSUBIBQ

4FDVSJUZ BSDIJUFDUVSF JT JOUFOEFE BT B SFGFSFODF UIBU TIPXT UIF[POJOHUPSFHVMBUFBDDFTTTFDVSJUZ5IFSFBSFUISFFNBKPS [POFT OBNFMZ[POF GBSMFGU

[POF NJEEMF

BOE[POF SJHIU 5IFTFDVSJUZMFWFMJTHFUUJOHIJHIFSUPUIFSJHIUEVFUP mSFXBMMTUIBUBSFBSSBOHFEJOTUBHFT

%FOHBOUFLOPMPHJJNQMFNFOUBTJmSFXBMMZBOHNFNVOHLJOLBO EJcreate TFDBSB logical  NBLB mSFXBMM EBQBU EJTFEJBLBO EJ TFUJBQ UJUJL ZBOH IBSVT EJmMUFS EFOHBO LBSBLUFSJTUJL ZBOH CFSCFEB -BMV NFMBMVJ switch EBQBU EJUFOUVLBO routing LF mSFXBMMCFSJLVUOZB"OUBSB[POBEBO[POBEBQBUEJQBTBOH TFKVNMBImSFXBMM UJEBLIBOZB

EFNJLJBOQVMBBOUBSB[POB EBO[POB

8JUI UIF JNQMFNFOUBUJPO PG mSFXBMM UFDIOPMPHZ UIBU BMMPXT MPHJDBMDSFBUJPO UIFmSFXBMMDBOCFQSPWJEFEBUBOZQPJOUUIBU NVTU CF mMUFSFE XJUI EJGGFSFOU DIBSBDUFSJTUJDT 5IFO B TXJUDI DBO EFUFSNJOF UIF SPVUJOH UP UIF OFYU mSFXBMM " OVNCFS PG mSFXBMMTDBOCFJOTUBMMFECFUXFFO[POFBOE[POF OPUKVTU 

BTXFMMBTCFUXFFO[POFBOE[POF

%.;EJMFUBLLBOEJ[POB TFEBOHLBOserverfarm UFSNBTVL development EJMFUBLLBOEJ[POBUFSEBMBNServerserverZBOH IBSVTEJBLTFTMBOHTVOHEBSJ*OUFSOFU EJMFUBLLBOEJ%.;

%.;JTQMBDFEJO[POF XIJMFUIFTFSWFSGBSN JODMVEJOHUIF EFWFMPQNFOU JTQMBDFEJOUIFEFFQFTU[POF4FSWFSTUIBUNVTU CFBDDFTTFEEJSFDUMZGSPNUIF*OUFSOFU BSFQMBDFEJOUIF%.;

4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO  4FDBSB CFSLBMB NFMBLVLBO penetration test PMFI QJIBL LFUJLBVOUVLNFZBLJOLBOCBIXBTJTUFNLFBNBOBOTVEBI EJsetQBEBLPOEJTJZBOHUFSCBJLVOUVLNFMJOEVOHJBLTFT JMFHBMTFSUBBTFUJOGPSNBTJQFSVTBIBBO

"OVNCFSPGQMBOOFEJOJUJBUJWFT  1FSJPEJDBMMZ QFSGPSN QFOFUSBUJPO UFTU CZ UIJSE QBSUJFT UP FOTVSFUIBUUIFTFDVSJUZTZTUFNIBTCFFOTFUJOUIFCFTU DPOEJUJPO UP QSPUFDU VOBVUIPSJ[FE BDDFTT BT XFMM BT UIF DPNQBOZTJOGPSNBUJPOBTTFUT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

313 INFORMATION TECHNOLOGY

 .FMBLVLBO assessment UFSIBEBQ LPOmHVSBTJ ZBOH UFSQBTBOH BQBLBITFTVBJEFOHBOBSTJUFLUVSQSJOTJQVOUVL LFBNBOBOZBOHUFMBIEJUFUBQLBO+JLBUJEBLTFTVBJ IBSVT TFHFSBEJMBLVLBOLPOmHVSBTJVMBOH  4BBUJOJNFTJOmSFXBMMUJEBLredundantEBONFOHHVOBLBO NFTJO ZBOH TBNB EFOHBO NFTJO core switch  TFIJOHHB KJLB core switch UFSTFCVU UJEBL CFSGVOHTJ NFOHBMBNJ LFSVTBLBO

 NBLB GVOHTJ mSFXBMM KVHB LFNVOHLJOBO UFSHBOHHV*OJTJBUJGJOJVOUVLNFNJTBILBOGVOHTJmSFXBMMEJ NFTJOZBOHCFSCFEBTFSUBUVNQBOHUJOEJINFTJOmSFXBMM

 1FSGPSN BTTFTTNFOUT UP UIF JOTUBMMFE DPOmHVSBUJPO  XIFUIFS JU JT BQQSPQSJBUF UP UIF TFU QSJODJQMF BSDIJUFDUVSF GPS TFDVSJUZ *G OPU BQQSPQSJBUF  SFDPOmHVSBUJPO NVTU CF DPOEVDUFEJNNFEJBUFMZ  $VSSFOUMZ UIF mSFXBMM NBDIJOFT BSF OPU SFEVOEBOU BOE VTFUIFNBDIJOFBTUIFDPSFTXJUDINBDIJOF UIFSFGPSFJO UIF FWFOU UIF DPSF TXJUDI JT OPU XPSLJOH EBNBHFE

 UIF mSFXBMMGVODUJPOJTBMTPMJLFMZUPCFEJTSVQUFE5IJTJOJUJBUJWF JT UP TFQBSBUF UIF mSFXBMM GVODUJPO JO EJGGFSFOU NBDIJOFT BOEPWFSMBQQJOHmSFXBMMNBDIJOF

Arsitektur Jaringan

Network Architecture

"STJUFLUVS KBSJOHBO BEBMBI BSTJUFLUVS VOUVL NFNQFSMJIBULBO JOUFSLPOFLTJ MPHJLB LPNQPOFOLPNQPOFO VUBNB QFNCFOUVL KBSJOHBOEBUB4FDBSBVNVN TFHNFOKBSJOHBOEBSJTJTJTVNCFS EJCFEBLBO NFOKBEJ   JOUFSOFU BUBV KBSJOHBO UFSCVLB    JOUSBOFUBUBVKBSJOHBOJOUFSOBM TFSUB FLTUSBOFUBUBVKBSJOHBO FLTUSBVOUVLJOUFSLPOFLTJLFQJIBLQJIBLpartnerCJTOJT

/FUXPSL BSDIJUFDUVSF JT UIF BSDIJUFDUVSF UP TIPX UIF MPHJDBM JOUFSDPOOFDUJPOPGUIFNBJODPNQPOFOUTXIJDIGPSNTUIFEBUB OFUXPSL*OHFOFSBM UIFOFUXPSLTFHNFOUGSPNUIFTPVSDFDBO CFEJWJEFEJOUP UIFJOUFSOFUPSPQFOOFUXPSL  JOUSBOFUPS JOUFSOBM OFUXPSL  BT XFMM BT   FYUSBOFU PS FYUSB OFUXPSL GPS JOUFSDPOOFDUJPOUPCVTJOFTTQBSUOFST

5JEBL UFSUVUVQ LFNVOHLJOBO BEB QFNCBHJBO TVC EBSJ UJHB LBUFHPSJ EJ BUBT 4FCBHBJ DPOUPI  JOUFSOFU EBQBU EJCBHJ MBHJ NFOKBEJ  TVC LBUFHPSJ   QFOHHVOB JOUFSOFU CFCBT ZBOH NFOHBLTFTTJUVTwebCBOLbjb  QFOHHVOBinternet banking IBSVT NFOHHVOBLBO mode secure https    TUBG bjb ZBOH TFEBOHEJOBTMVBSLBOUPSEBOQFSMVBLTFTLFKBSJOHBOJOUFSOFU NFOHHVOBLBOhttpsEBOportLIVTVT 

5IFSFJTBQPTTJCJMJUZUIFSFXJMMCFBTVCEJWJTJPOPGUIFUISFF BCPWF DBUFHPSJFT 'PS FYBNQMF  UIF *OUFSOFU DBO CF GVSUIFS EJWJEFEJOUPUISFFTVCDBUFHPSJFT  GSFFJOUFSOFUVTFSTXIP BDDFTT UIF XFCTJUF PG CBOL bjb   JOUFSOFU CBOLJOH VTFST NVTUVTFIUUQTTFDVSFNPEF   bjbTUBGGTXIPBSFPOEVUZ PVUTJEF UIF PGmDF BOE OFFE BDDFTT UP UIF *OUFSOFU OFUXPPSL VTJOHIUUQTBOETQFDJmDQPSUT 

4FTVBJ EFOHBO BSTJUFLUVS LFBNBOBO  JNQMFNFOUBTJ mSFXBMM NFOHHVOBLBO NFTJO ZBOH EBQBU EJLPOmHVSBTJ EFOHBO NVEBI  TFIJOHHB EBQBU EJTFEJBLBO CBOZBL iMPHJDBM mSFXBMMw UBOQB NFMBLVLBO QFOBNCBIBO NFTJO mSFXBMM 4FNVB JOUFSLPOFLTJ TFSUB QFSBOHLBU core switch EBO router  IBSVT NFOHHVOBLBO KBMVS HBOEB redundant  VOUVL NFOJOHLBULBO LFBOEBMBOTJTUFN

*OBDDPSEBODFXJUIUIFTFDVSJUZBSDIJUFDUVSF JNQMFNFOUBUJPO PGmSFXBMMTVTFTBNBDIJOFUIBUDBOCFDPOmHVSFEFBTJMZ TP JUDBOQSPWJEFBMPUPGiMPHJDBMmSFXBMMTwXJUIPVUBEEJOHmSFXBMM NBDIJOFT "MM JOUFSDPOOFDUJPOT BOE EFWJDFT DPSF TXJUDIFT BOESPVUFST NVTUVTFBEVBMDIBOOFM SFEVOEBOU UPJNQSPWF TZTUFNSFMJBCJMJUZ

4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO  .FMBLVLBO assessment UFSIBEBQ LPOmHVSBTJ KBSJOHBO ZBOHUFSQBTBOH BQBLBITFTVBJEFOHBOBSTJUFLUVSQSJOTJQ VOUVLKBSJOHBOEBOLFBNBOBOZBOHUFMBIEJUFUBQLBO+JLB UJEBLTFTVBJ IBSVTTFHFSBEJMBLVLBOLPOmHVSBTJVMBOH  Core switch TBBU JOJ IBOZB UFSTFEJB TBUV CVBI UJEBL redundant

 TFIJOHHB KJLB core switch UFSTFCVU UJEBL CFSGVOHTJ NFOHBMBNJ HBOHHVBO  TFMVSVI TJTUFN UJEBL CFSGVOHTJLBSFOBLPNVOJLBTJTFMVSVIKBSJOHBONFMBMVJcore switchUFSTFCVU

"OVNCFSPGQMMMBOOFEJOJUJBUJWFT  1FSGPSNBTTFTTNFOUPOUIFJOTUBMMFEOFUXPSLDPOmHVSBUJPO  XIFUIFSJOBDDPSEBODFXJUIUIFTFUQSJODJQMFBSDIJUFDUVSF GPSOFUXPSLBOETFDVSJUZ*GJUEPFTOPUmU SFDPOmHVSBUJPO NVTUCFDPOEVDUFEJNNFEJBUFMZ  $VSSFOUMZ UIFSF JT POMZ POF DPSF TXJUDI BWBJMBCMF OPU SFEVOEBOU

TPJGUIFDPSFTXJUDIEPFTOPUXPSL GBVMUZ UIF XIPMFTZTUFNEPFTOPUGVODUJPOCFDBVTFDPNNVOJDBUJPO BDSPTTUIFOFUXPSLHPFTUISPVHIUIFTXJUDIDPSF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

314

TEKNOLOGI INFORMASI

Arsitektur DC-DRC

DC-DRC Architecture

4BMBI TBUV threat ZBOH TFSJOH NFOKBEJ BODBNBO UFSKBEJOZB HBOHHVBOBEBMBILFBOEBMBOEBSJTJTUFNBUBVQFSBOHLBU NVMBJ EBSJBQMJLBTJIJOHHBJOGSBTUSVLUVS"SUJOZB EBMBNLFBEBBOUJEBL BEB HBOHHVBO MBJO EBSJ MVBS JOGSBTUSVLUVS 5*  JOGSBTUSVLUVSOZB TFOEJSJ NFOZJNQBO QPUFOTJ HBOHHVBO LFBOEBMBOOZB UJEBL   #FSEBTBSLBO QFNJLJSBO UFSTFCVU  CBOL bjb NFNVUVTLBO VOUVL NFOFOUVLBO BSTJUFLUVS %$%3$ NFOKBEJ iSingleDC siteoSingle DRC sitewTFDBSBMPLBTJ UFUBQJTFDBSB TJTUFNEBQBUEJLBUBLBONFOHHVOBLBOLPOmHVSBTJiDual DC – Single DRCw

0OF PG UIF UISFBU UIBU JT PGUFO B UISFBU PG EJTSVQUJPO JT UIF SFMJBCJMJUZPGBTZTUFNPSBEFWJDF SBOHJOHGSPNBQQMJDBUJPOT UP JOGSBTUSVDUVSF 5IJT NFBOT  JO UIF BCTFODF PG JOUFSGFSFODF GSPNPVUTJEFUIF*5JOGSBTUSVDUVSF UIFJOGSBTUSVDUVSFJUTFMGIPMET QPUFOUJBM JOUFSGFSFODF SFMJBCJMJUZ JT OPU   #BTFE PO UIBU JEFB CBOLbjbEFDJEFEUPEFUFSNJOFUIF%$%3$BSDIJUFDUVSF UP CFDPNF i4JOHMF %$ TJUF  4JOHMF %3$ TJUFw MPDBUJPO XJTF  CVUUIFTZTUFNDBOCFDPOTJEFSFEUPCFVTJOHUIFi%VBM%$ 4JOHMF%3$wDPOmHVSBUJPO

Site%$EJCFOUVLPMFIdual systemZBOHCFSKBMBOEFOHBOTVBUV NFLBOJTNFUFSUFOUVVOUVLTBMJOHNFNbackup%FOHBOLPOmHVSBTJ JOJ  LFBOEBMBO TJTUFN LBSFOB LFMFNBIBO JOUFSOBM JOGSBTUSVLUVS 5* EBOBQMJLBTJEBQBUEJBUBTJEFOHBODual SystemZBOHBEBEJsite %$%3$BLBOCFSGVOHTJTFQFSUJGVOHTJ%3$QBEBVNVNOZB

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bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

315 INFORMATION TECHNOLOGY

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bank bjb Annual Report 2014

316

MANAJEMEN RISIKO RISK MANAGEMENT

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

317 RISK MANAGEMENT

Sistem Manajemen Risiko

Risk Management System

Sistem Manajemen Risiko yang efektif merupakan salah satu komponen yang penting dalam manajemen bank dan landasan untuk menjalankan organisasi bank dengan sehat, aman dan baik. Sistem manajemen risiko akan mengarahkan aktivitas pada misi dan tujuan bank yang sudah ditetapkan, yaitu untuk mencapai target laba jangka panjang yang terus meningkat dan berkesinambungan, serta meningkatkan alokasi permodalan secara optimal yang mendukung aktivitas operasional yang sehat.

An effective Risk Management System is one of the important components in the bank’s management and foundation to perform the bank’s organization in a healthy, safe and well manner. The risk management system will direct the activities PGUIFCBOLTNJTTJPOBOEPCKFDUJWFTXIJDIIBWFCFFOEFmOFE  which is to achieve the increasing and continuous long-term QSPmUUBSHFUT BTXFMMBTJNQSPWJOHUIFPQUJNJ[BUJPOPGDBQJUBM allocation that supports healthy operational activities.

Sistem dimaksud akan membantu manajemen dalam melakukan pemantauan terhadap ketentuan dan hukum yang berlaku, kebijakan, rencana, ketentuan serta prosedur internal. Disamping itu, sistem manajemen risiko juga dapat mengurangi risiko sistemik (sistemic Risk) yang dapat merugikan bank baik secara material maupun immaterial.

The system is to assist management in monitoring the applicable rules and regulations, policies, plans, provisions, as well as internal procedures. In addition, the risk management systems can also reduce the systemic risks that may be detrimental to the bank materially or immaterially.

Penerapan Sistem Manajemen Risiko bank bjb berdasarkan empat cakupan: a) Pengawasan aktif Dewan Komisaris dan Direksi sebagai bagian dari peran pengawasan manajemen. b) Kecukupan kebijakan, prosedur dan penetapan limit sebagai pedoman penerapan manajemen risiko. D  ,FDVLVQBOQSPTFTJEFOUJmLBTJ QFOHVLVSBO QFNBOUBVBO dan pengendalian risiko serta sistem informasi manajemen. d) Sistem pengendalian internal yang menyeluruh.

The implementation of the Risk Management System of bank bjb is based on four scopes: a) Active supervision of the Board of Commissioners and Board of Directors as part of the management oversight role. b) Adequacy of policies, procedures and limits as the guidelines for risk management. D  "EFRVBDZPGSJTLJEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH and control processes as well as management information systems. d) A comprehensive internal control system.

Untuk meningkatkan sustainability bank dalam menghadapi gejolak ekonomi, serta ancaman-ancaman eksternal lainnya, bank berupaya memperkuat proses manajemen risiko di setiap kegiatan usaha. Bank melakukan penyempurnaan atas kebijakan, infrastruktur dan kualitas sumber daya manusia terkait dengan pengelolaan risiko yang berpedoman kepada ketentuan Bank Indonesia, Basel II dan aturan internasional secara best practices.

To improve the bank’s sustainability in facing the economic turmoil, as well as other external threats, the bank seeks to strengthen the risk management process in every business activity. The bank carried out improvements on the policies, infrastructures and quality of human resources associated with risk management referring to Bank Indonesia regulations, Basel II and international best practices rules.

Selain itu, bank juga melakukan gap & data analysis untuk persiapan penerapan Basel II, yang diikuti dengan action plan berupa persiapan data, sistem simulasi untuk perhitungan internal capital charge, serta perbaikan sistem penyusunan QSPmM SJTJLP BHBS NFOKBEJ MFCJI TJTUFNBUJT EBO BLVSBU Upaya tersebut dilakukan untuk mempersiapkan bank agar

In addition, the bank also conducts gap & data analysis in the preparation for the implementation of Basel II, which is followed by the action plan in the form of data preparation, simulation system for internal calculation of capital charge, as XFMM BT JNQSPWJOH UIF SJTL QSPmMJOH TZTUFN UP CFDPNF NPSF systematic and accurate. Efforts are made to prepare the

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

318

MANAJEMEN RISIKO

dapat mengelola risiko yang dihadapi, melakukan upaya pencegahan dan mitigasi, mencadangkan modal sehingga membantu bank dalam merencanakan arah pertumbuhan bisnis di masa depan.

bank in order to manage the risks, conduct prevention and mitigation efforts, reserving the bank’s capital, assisting the bank in planning the direction of future business growth.

Evaluasi Atas Efektivitas Sistem Manajemen Risiko

Evaluation of Risk Management System

Sistem pengukuran risiko yang dipergunakan untuk mengukur eksposur risiko Bank sebagai pedoman untuk melakukan pengendalian dan dilakukan secara berkala. Sistem tersebut paling kurang harus dapat mengukur: a) Sensitivitas produk/aktivitas terhadap perubahan faktorfaktor yang mempengaruhinya, bank dalam keadaan normal maupun tidak normal; b) Kecenderungan perubahan faktor-faktor dimaksud CFSEBTBSLBO nVLUVBTJ ZBOH UFSKBEJ EJ NBTB MBMV EBO korelasinya; c) Faktor risiko (Risk Faktor) secara individual; d) Eksposur risiko secara keseluruhan (aggregate) maupun per risiko, dengan mempertimbangkan keterkaitan antar risiko; e) Seluruh risiko yang melekat pada seluruh transaksi serta produk perbankan, termasuk produk dan aktivitas baru, dan dapat diintegrasikan dalam sistem informasi manajemen Bank.

The risk measurement system used to measure the risk exposure of the Bank as a guideline to control and perform on a regular basis. The system must be able to measure at least: a) Sensitivity of products/ activities toward factor changes XIJDI JOnVFODF JU  UIF CBOL VOEFS OPSNBM BT XFMM BT abnormal circumstances; b) The tendency of changes in the factors mentioned based PO UIF nVDUVBUJPOT UIBU PDDVSSFE JO UIF QBTU BOE UIFJS correlations; c) Individual Risk Factor; d) Overall (aggregate) risk exposure and per risk, taking into account the relationship between risks; e) All risks inherent in all transactions as well as banking products, including new products and activities, and can be integrated into the Bank’s management information.

Metode pengukuran dapat dilakukan secara kuantitatif dan/atau kualitatif. Metode pengukuran tersebut dapat berupa metode yang ditetapkan oleh Bank Indonesia dalam rangka penilaian risiko dan perhitungan modal (baik berupa metode standar atau metode internal yang dikembangkan sendiri oleh Bank).

The measurement method can be performed quantitatively and/ or qualitatively. The measurement method can be methods stipulated by Bank Indonesia in the framework of risk assessment and calculation of capital (both in the form of a standard method or methods developed internally by the Bank).

Dalam rangka mengatasi kelemahan yang dapat timbul atas penggunaan model pengukuran risiko tertentu maka Bank harus melakukan validasi model tersebut.

In order to overcome the disadvantages which may arise PO UIF VTF PG TQFDJmFE SJTL NFBTVSFNFOU NPEFMT  UIF Bank shall validate the model.

Sistem pengukuran risiko dievaluasi dan disempurnakan secara berkala atau sewaktu-waktu apabila diperlukan untuk memastikan kesesuaian asuransi, akurasi, kewajaran, dan integritas data, serta prosedur yang digunakan untuk mengukur risiko. Dalam melakukan evaluasi atas efektivitas sistem manajemen risiko bank maka satuan kerja manajemen risiko melakukan program pemantauan sebagai berikut:

bank bjb Laporan Tahunan 2014



5IF SJTL NFBTVSFNFOU TZTUFN JT FWBMVBUFE BOE SFmOFE periodically or at any time when necessary to ensure the suitability of insurance, accuracy, fairness, and integrity of data, as well as the procedures used to measure risks.

In conducting the evaluation on the effectiveness of the bank’s risk management system, the risk management unit conducts the following monitoring programs:

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

319 RISK MANAGEMENT

a) Bank memiliki sistem dan prosedur pemantauan antara lain mencakup pemantauan terhadap besarnya eksposur risiko, kepatuhan limit internal dan hasil Stress Testing maupun konsistensi dengan kebijakan dan prosedur yang ditetapkan. b) Pemantauan dilakukan baik oleh unit pelaksana (risk taking unit) maupun oleh Satuan Kerja Manajemen Risiko. c) Hasil pemantauan disajikan dalam laporan berkala yang disampaikan kepada manajemen dalam rangka mitigasi risiko dan tindakan yang diperlukan. d) Bank menyiapkan suatu sistem back up dan prosedur yang efektif untuk mencegah terjadinya gangguan (disruptions) dalam proses pemantauan risiko, dan melakukan pengecekan serta penilaian kembali secara berkala terhadap sistem back up tersebut.

a) The Bank has monitoring systems and procedures which include the monitoring of the risk exposure amount, compliance with internal limits and the results of the stress Testing as well as the consistency with the established policies and procedures. b) Monitoring is conducted either by the implementation unit (risk taking units) as well as by the Risk Management Unit. c) The monitoring results are presented in the periodic reports submitted to management in order to mitigate risks and the necessary action. d) The bank sets an effective back up system and procedures to prevent disruptions in the process of risk monitoring, and conduct periodical assessments and re-evaluations to the back up system.

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Tingkat risiko bank bjb secara keseluruhan hingga Triwulan IV Tahun 2015 adalah Low To Moderate dengan trend risiko stabil apabila dibandingkan dengan triwulan sebelumnya. Perkembangan bisnis bank diiringi dengan peningkatan Kualitas Penerapan Manajemen Risiko dalam seluruh aktivitas PQFSBTJPOBMOZB 3JOHLBTBO QSPmM SJTJLP TFMBNB LVSVO XBLUV 2014 untuk 8 jenis risiko yang dikelola bank adalah sebagai berikut:

The overall risk level of bank bjb up to the Third Quarter of 2015 is Low To Moderate with a stable risk trend compared to the previous quarter. The development of the bank’s business was accompanied with an increase in the Implementation Quality of Risk Management in all operational activities. 4VNNBSZ PG UIF SJTL QSPmMFT EVSJOH  GPS  UZQFT PG SJTL which the bank managed is as follows:

No

Jenis Risiko/Type of Risk

3URÀO5LVLNR3JTL1SPmMF bank bjb 2014 Triwulan I

Triwulan II

Triwulan III

1

Risiko Kredit/Credit Risk

Moderate

Moderate

Moderate

2

Risiko Pasa/Market Risk

Low

Low to Moderate

Low to Moderate

3

Risiko Likuditas/Liquidity Risk

Moderate

Moderate

Moderate

4

Risiko Operasional/Operational Risk

Moderate

Moderate

Moderate

5

Risiko Hukum/Legal Risk

Low to Moderate

Low to Moderate

Low to Moderate

6

Risiko Reputasi/Reputation Risk

Low to Moderate

Low to Moderate

Low to Moderate

7

Risiko Kepatuhan/Compliance Risk

Moderate

Moderate

Moderate

8

Risiko Strategik/Strategic Risk

Moderate

Low to Moderate

Low to Moderate

Predikat Risiko/Predicate Risk

Moderate

Moderate

Moderate

bank bjb Annual Report 2014

320

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

MANAJEMEN RISIKO

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Efforts to Manage Risks

Misi dan objektif dari pengelolaan risiko bank harus berpedoman kepada konsep pengendalian risiko yang terukur secara konsisten dan akurat, sehingga bank dapat NFOHBMPLBTJLBO NPEBMOZB TFDBSB MFCJI FGFLUJG EBO FmTJFO untuk kepentingan usahanya. Metodologi proses pengelolaan manajemen risiko menggambarkan secara lengkap rencana manajemen risiko yang logis yang dilaksanakan pada tiga tingkatan yang berbeda, yaitu: Level strategis, level transaksi dan level portofolio:

The mission and objective of the bank’s risk management shall be guided by a consistently and accurately measured risk management concept, thus the bank will be able to allocate JUTDBQJUBMNPSFFGGFDUJWFMZBOEFGmDJFOUMZGPSUIFCFOFmUPGJUT business. The methodology of the risk management process completely describes the logical risk management plans that are implemented at three different levels, namely: Strategic level, transaction level and portfolio level:

1. Level pertama merupakan perspektif makro. Proses dimulai dengan analisa risiko dan imbal-hasil berdasarkan rencana kerja (business plan). Tahap berikutnya dimulai dengan perubahan budaya kerja yang menggambarkan pandangan bank tentang risiko. Proses ini dimulai dan menjadi tanggung jawab utama dari Dewan Direksi. Dewan Direksi berkewajiban membangun budaya risiko dan organisasi manajemen risiko, serta memasukkan proses risiko sebagai bagian yang penting dalam menetapkan rencana strategis perusahaan. Pembentukan budaya manajemen risiko memerlukan perubahan organisasi yang cukup mendasar. Hal tersebut diperlukan agar manajemen dapat menangani secara langsung masalah risiko yang dihadapi misalnya risiko pasar (tingkat suku bunga, nilai tukar dan lain-lain), dan risiko kredit yang terkait dalam perjanjian dengan counterparty. Komite Manajemen Risiko bertugas untuk mengembangkan budaya risiko dan menetapkan arahan untuk seluruh aktivitas yang mengandung risiko;

 5IF mSTU MFWFM JT B NBDSP QFSTQFDUJWF 5IF QSPDFTT commenced with risk analysis and returns based on the work plan (business plan). The next phase begins with changes in the work culture that describes the bank’s view of the risks. This process begins and becomes the primary responsibility of the Board of Directors. The Board of Directors is obliged to build a risk culture and risk management organization, as well as including the risk process as an important part in determining the company’s strategic plan. The establishment of a risk management culture requires quite a fundamental organizational change. This is necessary for the management to be able to directly manage the risk issues faced such as the market risk (interest rate, exchange rate, etc.), and credit risks associated with counterparties in the agreement. The Risk Management Committee is responsible for developing a risk culture and set the direction for all activities that involve risks;

2. Level kedua (level transaksi) dan level ketiga (portofolio) NFNCBIBT FMFNFO ZBOH MFCJI TQFTJmL CFSVQB LPOTFQ risiko, perangkat trading, model analisis, metodologi statistik, pengamatan data historis dan analisa pasar, yang semuanya merupakan faktor penting dalam sistim manajemen risiko yang rasional.

2. The second level (transaction level) and third level QPSUGPMJP  EJTDVTT NPSF TQFDJmD FMFNFOUT JO UIF GPSN PG risk concepts, trading tools, analytical models, statistical methodology, observation of historical data and market analysis, all of which are important factors in a rational system of risk management.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

321 RISK MANAGEMENT

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Proses Manajemen Risiko

Unit Manajemen Management Unit

Proses Manajemen Risiko Risk Management Process

Dewan Komisaris Board of Commissioners

Peta Proses Risiko Risk Process Mapping 0HQHWDSNDQ7DUJHW5HYHQXH Determining Target Revenue

Rencana Usaha Business Plan Kesadaran Terhadap Risiko

Direksi Board of Directors

Risk Awareness 3HQHWDSDQ5LVN3KLORVRSK\ Determining Risk Philosophy

Board of Commissioners

Penetapan Peran Role Determination

Dewan Komisaris 0HQHWDSNDQ7ROHUDQVL Determining Tolerance

Proses Pengambilan Risiko Risk Taking Process

Direksi Board of Directors Risk & Capital Committee

3HQHWDSDQ3HOXDQJ Determining Opportunities

Product & Risk Taking

Risk & Capital Committee Strategy & Performance

Product & Risk Taking Rencana Pengenalan Produk

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Product Induction Plan Risiko Kredit

Strategy & Performance

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Credit Risk Executive Management Executive Management

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Rencana Pengawasan Internal Internal Audit Plan

Dewan Direksi Board of Directors

Evaluasi Risiko Risk Evaluation

Penelitian Pasar Market Research

Risk & Capital Committee Risk & Capital Committee

Pengambilan Risiko Risk Taking

Bank-Wide Risk Assessment Bank-Wide Risk Assessment

Unit Bisnis Business Unit Direksi

0HQGDWD 0HQLODL Data Collection & Assessment

Rencana Produk

Board of Directors

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Level Portofolio Portfolio Level

Risk & Capital Committee

Product Plan

Monitor & Report

Penelitian tentang Volaritas

Risk & Capital Committee

Value at Risk, Earning at Risk Unit Bisnis Business Unit Risk Management Risk Management

Review Metologi Review on Methodology

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Volaritas Value at Risk, Earning at Risk Factor Sensitivitas Risiko Risk Sensitivity Factor Stress Testing

Risk Management

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Tahapan tersebut di atas merupakan gambaran umum dari proses risiko. Proses tersebut meliputi proses pengembangan LPNQFUFOTJ JOUJ EBSJ CBOL VOUVL NFOHJEFOUJmLBTJ  NFOHVLVS  mengakses, memberikan limit, menetapkan asumsi, mengelola, mengawasi dan memonitor risiko. Proses EJNVMBJ EFOHBO JEFOUJmLBTJ TFMVSVI QPTJTJ CBOL ZBOH TFOTJUJG

The abovestated stages is a general overview of the risk process. The process includes the development of core competencies of the bank to identifying, measuring, accessing, giving limit, setting assumptions, managing, supervising and monitoring the risk. The process begins with UIFJEFOUJmDBUJPOPGBMMUIFCBOLTQPTJUJPOTUIBUBSFTFOTJUJWF

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

MANAJEMEN RISIKO

terhadap risiko (risk sensitive positions) sampai pada proses pengambilan risiko yang merupakan dasar untuk membentuk rencana usaha selanjutnya.

to risks (risk sensitive positions) up to the risk-taking process which is the basis in forming the further business plans.

Perangkat kerja dan teknik tertentu diperlukan untuk mengelola risiko secara efektif seperti penyusunan laporan manajemen yang diterbitkan secara berkala sebagai bahan masukan bagi manajemen senior untuk mendapatkan gambaran keseluruhan posisi risiko dari bank. Laporan juga harus dapat memberikan gambaran tentang hasil kinerja yang mengaitkan eksposur risiko dan imbal-hasil.

8PSL JOTUSVNFOUT BOE TQFDJmD UFDIOJRVFT BSF SFRVJSFE to manage risks effectively, such as the preparation of management reports that are issued periodically as an input for the senior management to obtain an overall picture of the bank’s risk position. The report shall also be able to provide an overview of the performance results associated to exposure to risk and its returns.

Proses investigasi, analisa dan evaluasi yang dilaksanakan oleh unit bisnis dan Satuan Kerja Manajemen Risiko dan merupakan bagian dari aktivitas harian utama dari manajemen risiko sebagai berikut: t *EFOUJmLBTJ3JTJLP • Pengukuran Risiko • Evaluasi dan penyusunan posisi portofolio aset bank yang memiliki dampak potensi risiko • Evaluasi, pelaporan dan pengawasan risiko yang terjadi dan potensi risiko. • Review dampak risiko yang terjadi dan potensi risiko yang akan terjadi • Validasi kembali Proses Risiko

The process of investigation, analysis and evaluation conducted by the business units and the Risk Management Unit and is part of the main daily activity of risk management as follows: t 3JTL*EFOUJmDBUJPO • Risk Assessment • Evaluation and preparation of the bank’s assets portfolio position that has potential impacts of risks • Evaluation, reporting and monitoring of risks occurring and the potential risks. • Review on the impacts of the risk occurring and the potential risks which will occur • Re-validation of Risk Processes

1SPTFT *EFOUJmLBTJ QPUFOTJ SJTJLP EJMBLVLBO PMFI 1FSTFSPBO dengan langkah-langkah sebagai berikut: 1. Pertama kali dilakukan oleh unit bisnis dengan NFOFOUVLBO QFMVBOH EBSJ BLUJWJUBT mOBOTJBM ZBOH umumnya mengandung risiko. Pada waktu menentukan BEBOZB QFMVBOH CJTOJT  VOJU CJTOJT NFOHJEFOUJmLBTJ  menganalisa dan mengukur risiko khususnya potensi dampak yang ditimbulkan oleh aktivitas tersebut terhadap posisi/portofolio. Terhadap pengukuran risiko, unit bisnis dapat bekerja sama dengan Satuan Kerja Manajemen Risiko. 2. Unit Bisnis memutuskan mengambil risiko diikuti dengan proses pelaporan dan kontrol, evaluasi risiko dan manajemen portofolio terhadap eksposur risiko dimaksud. 3. Pimpinan Unit Kerja mengevaluasi kinerja berdasarkan pertimbangan risiko dan imbal-hasil yang ditetapkan oleh Dewan Direksi, dan selanjutnya melakukan penyesuaian terhadap strategi usaha secara keseluruhan. Satuan Kerja .BOBKFNFO 3JTJLP NFNCBOUV EBMBN QSPTFT LVBOUJmLBTJ dari pengukuran kinerja, namun tidak terlibat dalam proses penilaian kinerja itu.

5IF JEFOUJmDBUJPO QSPDFTT PG QPUFOUJBM SJTLT JT QFSGPSNFE CZ the company through the following steps: 1. Firstly conducted by the business unit by determining UIFQSPCBCJMJUZPGHFOFSBMmOBODJBMBDUJWJUJFTXIJDIJOWPMWF risks. When determining the existence of business opportunities, the business unit identify, analyze and measure risks, particularly the potential impacts of these activities on the positions/ portfolios. On the measurement of risk, the business units can cooperate with the Risk Management Unit. 2. The Business Unit decides to take the risk followed by a process of reporting and control, risk evaluation and portfolio management to the risk exposure. 3. The Unit Leader evaluates the performance based on risk considerations and the returns which was determined by the Board of Directors, and then make adjustments to the overall business strategy. The Risk Management 6OJU BTTJTUT JO UIF RVBOUJmDBUJPO PG UIF QFSGPSNBODF measurement process, but is not involved in the performance assessment process.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

323 RISK MANAGEMENT

Pada diagram dijelaskan infrastruktur yang diperlukan agar implementasi dari proses pengelolaan risiko ini dapat berhasil, yaitu kebijakan risiko yang jelas, organisasi yang efektif dan adanya struktur kewenangan, dukungan sistem dan teknologi, sistem informasi manajemen yang baik, serta proses validasi model dan sistem.

The diagram describes the infrastructure necessary for the implementation of the risk management process to be successful, which is clear risk policies, effective organization and the presence of authority structures, the support of system and technology, good management of information systems, as well as the model and system validation processes.

Proses manajemen risiko memerlukan komitmen dari setiap manajemen jajaran organisasi untuk mengembangkan sistem dan teknologi agar dapat mendukung komponen inti dalam pengendalian risiko. Sistem Manajemen Risiko minimal harus mampu menilai posisi, menghitung risiko dari seluruh JOTUSVNFO mOBOTJBM EBMBN NBTJOHNBTJOH WBMVUB VUBNB dimana bank menjalankan usaha, baik secara transaksi individual maupun secara agregat. Selanjutnya pelaporan disampaikan kepada Direksi serta semua unit yang terkait terhadap materi laporan dimaksud. Unit operasional harus memegang peran dalam mengakses dan me-review secara berkelanjutan kebutuhan minimum pengembangan dari sistem dan teknologi yang diperlukan aktivitas bank, untuk kemudian disetujui oleh Dewan Direksi.

The risk management process requires the commitment of each management of the organizations to the system and technology to be able to support the core components in risk control. The Risk Management System shall minimally able to assess the position, calculates the risk of all mOBODJBM JOTUSVNFOUT JO FBDI PG UIF NBKPS DVSSFODJFT JO which the bank perform its business, either in individual or aggregate transaction. Afterward, reporting is submitted to the Board of Directors as well as all relevant units on the reporting materials. The operational units should play a role in accessing and reviewing on an ongoing basis the minimum requirements of the development of systems and technologies needed for the activities of the bank, to be approved by the Board of Directors.

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 3HQJHPEDQJDQ 0HWRGRORJL Risk Appetite, Risk ToleranceGDQRisk Limit Bank dalam menjalankan aktivitas bisnis dihadapkan pada berbagai pemangku kepentingan antara lain, nasabah dan shareholder. Dalam memenuhi kebutuhan nasabah atau masyarakat bank dituntut menjadi lembaga intermediasi yang dapat memenuhi kebutuhan jasa keuangan masyarakat serta menjaga roda perekonomian suatu negara agar terciptanya pertumbuhan ekonomi yang positif. Di sisi lain, bank diwajibkan memenuhi tuntutan shareholder terkait tingkat bagi hasil (dividen) yang disaratkan atas tingkat risiko yang terkandung dalam dana yang ditanamkan oleh para pemegang saham tersebut (shareholder). Dalam Implementasinya, CBOLEBMBNNFODBQBJQSPmUBCJMJUBTZBOHEJOHJOLBOIBSVT menyesuaikan dengan kemampuan bank dalam menyerap kejadian risiko karena dalam proses bisnisnya, bank tidak lepas dari 8 (delapan) jenis risiko yang melekat sehingga dapat menghambat dalam pencapaian strategi bisnis. Ukuran kemampuan bank dalam menyerap kejadian risiko dapat tercermin dari tingkat permodalannya,

 'HYHORSPHQW RI 5LVN $SSHWLWH 5LVN 7ROHUDQFH DQG 5LVN/LPLW0HWKRGRORJLHV In conducting business activities, Bank is faced with various stakeholders, among others, customers and shareholders. In meeting the needs of the customers or the public, Bank is required to be an intermediary institution that is able to NFFUUIFOFFETPGUIFmOBODJBMTFSWJDFTDPNNVOJUZBTXFMM as keeping the economy of a country in order to create positive economic growth. On the other hand, banks are required to meet the demands of the shareholders SFMBUFE UP UIF MFWFM PG QSPmU TIBSJOH EJWJEFOE  XIJDI JT adjusted to the level of risk inherent in the funds invested by the shareholders. In the implementation, to achieve UIF EFTJSFE QSPmUBCJMJUZ  UIF CBOL NVTU BEKVTU JUT BCJMJUZ to absorb risk events in its business process, the bank can not be separated from the eight (8) types of inherent risks that can impede the achievement of the business strategy. The bank’s ability to absorb risk events can be SFnFDUFEJOUIFDBQJUBMMFWFM UIFSFGPSFUIFCBOLOFFETUP consider its ability to absorb risk events in achieving its business strategy. To meet these demands, the bank is

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

MANAJEMEN RISIKO

sehingga bank dalam mencapai strategi bisnisnya perlu mempertimbangkan kemampuannya dalam menyerap kejadian risiko. Untuk memenuhi tuntutan tersebut, bank diwajibkan menentukan sejumlah risiko dimana bank bersedia untuk menerimanya dalam keselarasan tujuan guna memaksimalkan nilai kepada shareholder (Risk Appetite), sejumlah risiko maksimum yang dapat diterima terkait dengan setiap pengambilan risiko yang ditetapkan (Risk Tolerance), dan limit risiko yang merupakan tingkatan operasional dari toleransi risiko pada aktivitas bisnis bank (Risk Limit).

required to determine a number of risks in which the bank is willing to accept in line with the objectives in order to maximize the value to the shareholder (Risk Appetite), a number of maximum acceptable risks associated with any determined risk-taking (Risk Tolerance), and risk limit which is the operational level of risk tolerance on the business activity of the bank (Risk Limit).

Pengembangan Risk Appetite, Risk Tolerance, dan Risk Limit harus dapat mengakomodir tujuan seluruh stakeholder bank yang meliputi Regulator, Pemegang Saham, Investor, Direksi, Karyawan, maupun Nasabah. Adapun tujuan dari stakeholder meliputi pemenuhan atas aspek Kepatuhan, Risiko, Permodalan, Return, maupun Pertumbuhan yang berkelanjutan. Mengingat sifatnya yang menyeluruh, maka pengembangan dan pengelolaan Risk Appetite, Risk Tolerance, dan Risk Limit memerlukan komitmen bersama seluruh lini bank.

The development of Risk Appetite, Risk Tolerance and Risk Limit shall be able to accommodate the objectives of all stakeholders of the bank, covering the Regulators, Shareholders, Investors, Board of Directors, Employees, and Customers. The purpose of the stakeholders include UIFGVMmMMNFOUPGUIFBTQFDUTPG$PNQMJBODF 3JTL $BQJUBM  Return, and Sustainable Growth. Given its comprehensive nature, the development and management of Risk Appetite, Risk Tolerance and Risk Limit requires a shared commitment across the bank lines.

Risk Appetite, Risk Tolerance, dan Risk Limit yang sedang dikembangkan oleh bank bertujuan untuk menunjang pencapaian strategi bisnis bank dengan tingkat risiko yang dapat diterima. Dalam implementasinya, akan dilakukan pemantauan secara berkala atas tingkat eksposur risiko aktual terhadap posisi pencapaian strategi bisnis bank. Adapun aspek tata kelola (governance) terdiri dari tiga aspek, antara lain: 1) Strategic Level Strategic Level merupakan jenjang kewenangan yang melekat pada Direksi melalui Komite Manajemen Risiko. Direksi berwenang menentukan selera risiko yang diinginkan (risk appetite) selaras dengan strategi bisnis bank. Disamping itu, Direksi juga berwenang untuk memberikan persetujuan atas besaran nilai Risk Tolerance dan nilai Risk Limit dengan merujuk pada Risk Appetite yang telah ditentukan. 2) Tactical Level Pengelolaan Risk Appetite, Risk Tolerance, dan Risk Limit pada jenjang Tactical Level merupakan kewenangan Divisi Manajemen Risiko. Mengembangkan metodologi risk tolerance untuk setiap jenis risiko secara bankwide.

Risk Appetite, Risk Tolerance and Risk Limit currently being developed by the bank aims to support the achievement of the bank’s business strategy with an acceptable risk level. In its implementation, regular monitoring will be conducted on the level of actual risk exposure to the position of the bank’s business strategy achievement. While the aspects of governance consists of three aspects, among others: 1) Strategic Level Strategic Level is the level of authority inherent to the Board of Directors through the Risk Management Committee. The Board of Directors has the authority to determine the desired risk appetite in line with the business strategy of the bank. In addition, the Board of Directors is also authorized to give approval on the amount of Risk Tolerance and Risk Limit values with reference to the predetermined Risk Appetite. 2) Tactical Level Management of Risk Appetite, Risk Tolerance and Risk Limit at the Tactical Level is the authority of the Risk Management Division. Developing risk tolerance methodologies for each type of risks bankwide.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

325 RISK MANAGEMENT

3) Operational Level Operational Level merupakan kewenangan dan dibentuk oleh setiap Risk Taking Unit dimana perannya adalah dalam menentukan besaran Risk Limit yang dapat diterima dan hasilnya dikoordinasikan dengan Divisi Manajemen Risiko. Besaran Risk Limit yang diusulkan, selanjutnya disampaikan kepada Divisi Manajemen Risiko untuk dilakukan review terkait metode perhitungan serta dalam rangka melakukan sinkronisasi dengan hasil perhitungan Risk Tolerance maupun Risk Appetite.

3) Operational Level Operational Level is the authority and formed by each Risk Taking Unit in which the role is to determine the amount of acceptable Risk Limit and the results to be coordinated with the Risk Management Division. The proposed Risk Limit amount, is subsequently submitted to the Risk Management Division for reviews associated with the calculation method as well as to synchronize with the Risk Tolerance and Risk Appetite calculation results.

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#FCFSBQB QFSLFNCBOHBO QFSBUVSBO ZBOH TJHOJmLBO mempengaruhi kondisi operasional dan bisnis bank bjb ke depan antara lain tercermin dari terbitnya Peraturan Bank Indonesia Nomor 14/26/PBI/2012 tentang Kegiatan Usaha dan Jaringan Kantor #FSEBTBSLBO.PEBM*OUJ#BOLZBOHNFOHLMBTJmLBTJLBO bank menjadi 4 kategori utama yaitu BUKU (Bank Umum Kategori Usaha) 1-4 berdasarkan jumlah modal inti bank. Masuknya modal inti bank bjb dalam kategori BUKU III membuat kegiatan usaha yang dapat dilakukan oleh bank bjb menjadi lebih luas, serta dapat meningkatkan kepercayaan nasabah dalam melakukan aktivitas kegiatan perbankannya melalui bank bjb. Per akhir Desember 2014, modal inti bank bjb mencapai Rp5,79 triliun dan berada pada kategori BUKU 3. Strategi permodalan yang efektif, kuat dan FmTJFOUFMBINFOKBEJGPLVTNBOBKFNFOTFJSJOHEFOHBO terus bertumbuhnya bank bjb menjadi bank yang semakin besar dan semakin kuat. Komponen permodalan bank didominasi oleh komponen permodalan yang bersifat permanen, dimana komponen modal inti merupakan komponen terbesar dalam struktur permodalan bank. Pada posisi bulan Desember 2014, rasio modal inti bank baik secara individual dan konsolidasi terhadap total ATMR bank mencapai 16,34% dan 15,40%. Rasio tersebut

4FWFSBM TJHOJmDBOU SFHVMBUPSZ EFWFMPQNFOUT BGGFDUFE the operational conditions and future of bank bjb’s CVTJOFTT BNPOH PUIFST BT SFnFDUFE JO UIF JTTVBODF of Bank Indonesia Regulation No. 14/26/PBI/2012 on #VTJOFTT "DUJWJUJFT BOE 0GmDF /FUXPSL #BTFE PO UIF #BOLT$PSF$BQJUBMXIJDIDMBTTJmFTCBOLTJOUPNBJO categories, namely BUKU (Commercial Bank Business Category) 1-4 based on the amount of core capital position of the bank. bank bjb’s core capital, which is in the BUKU III category enables a more widespread business activities that can be conducted by the bank, BT XFMM BT JODSFBTF UIF DPOmEFODF PG UIF DVTUPNFST in performing banking activities through bank bjb. As of the end of December 2014, the core capital of bank bjb reached Rp5.79 trillion and is included in UIF#6,6***DBUFHPSZ&GGFDUJWF TUSPOH BOEFGmDJFOU capital strategy has been the focus of management in line with the continued growth of bank bjb to become a bigger and stronger bank. The bank’s capital component is dominated by permanent capital component, in which the core capital component is the largest capital component in the capital structure of the bank. In the December 2014 position, the bank’s core capital ratio both individually and consolidated to the bank’s total RWA reached 16.34% and 15.40%. The ratio is above the provisions

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

326

MANAJEMEN RISIKO

berada di atas ketentuan yang ditetapkan oleh Bank Indonesia dengan batasan minimum yaitu 6% baik secara individual maupun konsolidasi. Perhitungan rasio modal inti utama (Common Equity Tier 1 Ratio) terhadap total ATMR bank baik secara individual dan konsolidasi di bulan Desember 2014 mencapai 17,25% dan 15,34% yang berada di atas ketentuan yang telah ditetapkan Bank Indonesia dengan batasan minimum yaitu 4,50%.

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set by Bank Indonesia with a minimum limit is 6% both individually or consolidated. The main core capital ratio calculation (Common Equity Tier 1 ratio) to total RWA of the bank both individually and consolidated in December 2014 reached 17.25% and 15.34% which is above the provisions set by Bank Indonesia with a minimum limit of 4.50%.

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Sebagai salah satu pengungkapan Basel II Pilar III, Bank Indonesia telah menerbitkan Surat Edaran Bank Indonesia Nomor 14/37/DPNP tanggal 27 Desember 2012 perihal Kewajiban Penyediaan Modal .JOJNVNTFTVBJ1SPmM3JTJLPEBO1FNFOVIBOCapital Equivalency Maintained Assets (CEMA). Sehubungan hal tersebut, bank telah mengembangkan dan menerapkan metodologi untuk penerapan Internal Capital Adequacy Assessment Process (ICAAP) dimana metodologi tersebut telah dibahas dan disetujui dalam Komite Manajemen Risiko bank bjb. Laporan rasio kecukupan penyediaan modal minimum TFTVBJ1SPmM3JTJLPEJMBQPSLBOTFDBSBCFSLBMBLFQBEB Dewan Komisaris dan Direksi sebagai salah satu bentuk kepatuhan terhadap ketentuan Surat Edaran Bank Indonesia tersebut.

As one of the Basel II Pillar II disclosure, Bank Indonesia has issued the Circular Letter of Bank Indonesia No. 14/37/DPNP dated 27 December 2012 on the Minimum Capital Requirement in accordance to UIF1SPmMF3JTLBOE$PNQMJBODFPG$BQJUBM&RVJWBMFODZ Maintained Assets (CEMA). In relations, the bank has developed and implemented a methodology for the implementation of the Internal Capital Adequacy Assessment Process (ICAAP) in which the methodology has been discussed and approved by the Risk Management Committee of bank bjb. The minimum capital adequacy reports in accordance to UIF3JTL1SPmMFBSFSFQPSUFESFHVMBSMZUPUIF#PBSEPG Commissioners and Board of Directors as a form of compliance with the provisions of the Circular Letter of Bank Indonesia.

Pengukuran internal yang dilakukan bank telah memperhitungkan Pilar I dan Pilar II yaitu rasio LFDVLVQBO NPEBM CBOL NJOJNVN TFTVBJ QSPmM SJTJLP baik secara individual maupun konsolidasi di bulan Desember 2014 mencapai 10,28% dimana hasil QFOHVLVSBO QSPmM SJTJLP CBOL QBEB QFSJPEF UFSTFCVU berada pada level peringkat komposit Moderate. Pada posisi bulan Desember 2014, rasio kecukupan modal bank baik secara individual maupun konsolidasi mencapai 16,39% dan 16,35% sehingga rasio kecukupan modal bank tersebut berada di atas ketentuan rasio kecukupan modal bank minimum TFTVBJQSPmMSJTJLPCBOLZBJUV 

Internal measurements carried out by the bank has accounted for Pillar I and Pillar II namely the minimum DBQJUBMBEFRVBDZSBUJPDPSSFTQPOETUPUIFSJTLQSPmMF both individually or consolidated in December 2014 reaching 10.28% in which the results of the bank’s risk QSPmMFNFBTVSFNFOUTPGUIFQFSJPEJTBUUIFDPNQPTJUF ranking level of Moderate. At the December 2014 position, both the individual and consolidated capital adequacy ratio of the bank reached 16.39% and 16.35%, hence the bank’s capital adequacy ratio is above the provisions of the minimum capital adequacy SBUJPJOBDDPSEBODFUPUIFSJTLQSPmMFPGUIFCBOL XIJDI is 10.28%.

Sejalan telah diterbitkannya PBI Nomor 15/12/ PBI/2013 tanggal 12 Desember 2013 perihal Kewajiban Penyediaan Modal Minimum, saat ini bank telah mempersiapkan infrastruktur yang baik dan efektif dalam rangka memastikan implementasi

Corresponding to the issuance of PBI No. 15/12/ PBI/2013 dated 12 December 2013 on the Minimum Capital Requirement, currently bank bjb has prepared good and effective infrastructures in order to ensure the implementation of the PBI does not interfere with

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

327 RISK MANAGEMENT

PBI tersebut tidak mengganggu ekspansi bisnis dan aktivitas operasional bank bjb. Sesuai PBI tersebut, bank harus menyediakan rasio kecukupan modal NJOJNVN TFTVBJ QSPmM SJTJLP CBOL EJUBNCBI EFOHBO Capital Conservation Buffer, Countercylical Buffer dan Capital Surcharge untuk D-SIB (Domestic Systemically Important Bank). Capital Conservation Buffer tersebut diperlukan oleh bank sebagai upaya penyangga (buffer) dalam menghadapi kerugian akibat kondisi krisis, sedangkan Countercylical Buffer dibutuhkan bank sebagai tambahan modal penyangga untuk mengantisipasi kerugian apabila terjadi pertumbuhan kredit perbankan yang berlebihan sehingga berpotensi mengganggu stabilitas sistem keuangan. Penetapan Capital Surcharge tersebut diperlukan bagi bank bjb yang telah dijadikan status bank sistemik dimana bank perlu menyediakan tambahan modal yang berfungsi untuk mengurangi dampak negatif terhadap stabilitas sistem keuangan dan perekonomian apabila terjadi kegagalan Bank yang berdampak sistemik melalui peningkatan kemampuan Bank dalam menyerap kerugian. Sebagai bentuk kepatuhan terhadap ketentuan tersebut, bank secara bertahap melakukan pengembangan berupa kesiapan database dan proses pemetaan Basel III ke dalam infrastruktur bank. Salah satunya yang dilakukan yaitu dilakukannya koordinasi diantara Divisi yang terlibat, mendesain Framework Basel III dan melakukan pengukuran serta pemantauan untuk setiap ketentuan yang diatur dalam regulasi Basel III tersebut.

its business expansion and operational activities. In accordance to the PBI, the bank shall provide a minimum capital adequacy ratio that is appropriate XJUI UIF SJTL QSPmMF PG UIF CBOL JO BEEJUJPO UP $BQJUBM Conservation Buffer, Countercylical Buffer and Capital Surcharge for D-SIB (Domestic Systemically Important Banks). The Capital Conservation Buffer is required by the bank as a buffer in the face of losses due to crisis conditions, while Countercylical Buffer is needed by the bank as a buffer additional capital to anticipate losses in the event of excessive credit growth which QPUFOUJBMMZ EFTUBCJMJ[FT UIF mOBODJBM TZTUFN 5IF determination of Capital Surcharge is necessary for bank bjb which has made the systemic status in which the bank needs to provide additional capital that serves to reduce the negative impact on the stability PGUIFmOBODJBMTZTUFNBOEFDPOPNZJOUIFFWFOUPGB systemic Bank failure through the increase in the Bank’s ability to absorb losses. As a form of adherence to these provisions, the bank gradually carry out developments in the form of database preparedness and the process of Basel III mapping into the infrastructure of the bank. One of them is conducted through the coordination among Divisions involved, designing the Basel III Framework and perform measurements as well as monitoring to any provisions stipulated in the Basel III regulation.

Seiring kondisi makroekonomi Indonesia yang masih bergejolak dan ditandai dengan rencana kebijakan The Fed yang akan menaikkan suku bunga The Fed yang berpotensi meningkatkan capital PVUnPX, gejolak nilai UVLBS EBO JOnBTJ  .BOBKFNFO CBOL bjb menanggapi gejolak tersebut dengan memperkuat permodalan bank sebagai bentuk penerapan manajemen risiko yang kuat (robust) sehingga dapat menyerap kerugian apabila terdapat stress event dikemudian hari. Dalam rangka menjawab tantangan bisnis di era pasar bebas di kemudian hari dan untuk memenuhi kebutuhan masyarakat, bank selalu melakukan perbaikan dan pengembangan baik dari segi produk dan jasa serta peningkatan infrastruktur manajemen risiko bank melalui analisis yang komprehensif disertai dengan

Correlated with Indonesia’s macroeconomic conditions that are still volatile and marked with the policy plan of The Fed to increase the interest rates of The Fed which IBTUIFQPUFOUJBMUPJODSFBTFDBQJUBMPVUnPX FYDIBOHF SBUF BOE JOnBUJPO WPMBUJMJUZ  UIF .BOBHFNFOU PG CBOL bjb responds to such volatilities by strengthening the capital of the bank as a form of a strong (robust) risk management implementation, enabling it to absorb losses in the event of a stressful event in the future. In order to answer the business challenges in the free market era in the future and to meet the needs of the community, the bank always make improvements and development in terms of both products and services and increase the bank’s risk management infrastructure through a comprehensive analysis

bank bjb Annual Report 2014

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328

MANAJEMEN RISIKO

riset yang memadai sehingga dapat menjaga agar aktivitas bisnis dan operasional bank tetap prudent dan berada dalam batas toleransi risiko bank. Selain itu pula, pengembangan kerangka kerja risk appetite dan risk tolerance sering dilakukan dan dievaluasi agar kecukupan permodalan yang dimiliki bank masih memadai dan mampu meng-cover kerugian ataupun potensi risiko kerugian yang timbul dari aktivitas operasional bank.

BDDPNQBOJFECZTVGmDJFOUSFTFBSDI XIJDIJOUVSOXJMM maintain the bank’s business and operational activities to remain prudent and within the limits of the bank’s risk tolerance. In addition, the development of the risk appetite and risk tolerance framework is performed regularly and evaluated to ensure the adequacy of capital owned by the bank is still adequate and able to cover losses or potential losses arising from operational activities of the bank.

Pengelolaan modal risiko kredit bank bjb berpedoman pada Surat Edaran Bank Indonesia Nomor 13/6/ DPNP tanggal 18 Februari 2011 perihal Pedoman Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar. Penetapan bobot risiko pada perhitungan ATMR mengacu kepada bobot risiko sesuai ketentuan Bank Indonesia dimaksud.

The capital management of bank bjb’s credit risk is based on the Circular Letter of Bank Indonesia No. 13/6/DPNP dated February 18, 2011 on the Guidelines for the Calculation of Risk-Weighted Assets for Credit Risk by Using the Standard Approach. The determination of risk weighting in the calculation of RWA refers to the risk weight in accordance with the referred Bank Indonesia’s provisions.

Dalam mengukur ATMR Risiko Pasar, bank masih mempergunakan format standardized method yang meliputi perhitungan risiko suku bunga dan risiko nilai tukar. Sesuai dengan pedoman yang ditetapkan oleh Bank Indonesia, risiko pasar yang wajib dihitung oleh Bank adalah risiko suku bunga di trading book dan risiko nilai tukar di trading book dan banking book. Sebagai upaya ke tahap pengembangan internal model, bank telah memiliki sistem informasi OPICS Risk yang berfungsi dalam mengukur Value at Risk untuk setiap efek yang dikategorikan ke dalam Trading Book.

In measuring the RWA market risk, the bank still uses the standardized method format which includes the calculation of the interest rates risk and exchange rates risk. As an effort to the development stage of internal models, the bank already has the OPICS Risk information system that serves to assess the Value at Risk for each effects that are categorized into the Trading Book.

Perhitungan kecukupan modal risiko operasional masih menggunakan metode basic indicator approach (BIA) yang dilakukan sesuai dengan ketentuan dari regulator. Berdasarkan metode tersebut, Perusahaan mengalokasikan modal minimum untuk risiko operasional berdasarkan historical data yaitu sebesar rata-rata dari penjumlahan pendapatan bruto (gross income) tahunan selama 3 tahun terakhir (yang positif) dikali tarif yang berlaku yaitu 15%. Perhitungan kecukupan modal risiko operasional tersebut menjadi dasar dalam perhitungan ATMR Risiko Operasional.

The calculation of operational risk capital adequacy still uses the basic indicator approach (BIA) which is conducted in accordance with the provisions of the regulator. Based on this method, the Company allocates the minimum capital for operational risk based on the historical data that is equal to the gross income sum average over the last 3 years annual (positive) multiplied by the applicable rate, which is 15%. The calculation of the capital adequacy of operational risk has become the basis for the calculation of RWA for Operational Risk.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

329 RISK MANAGEMENT

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6.162.193

5.350.206

5.630.554

4.650.062

5.006.557

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2.424.073

2.424.073

2.424.073

2.424.073

2.427.073

2.427.073

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3.689.779

3.713.384

3.247.719

3.188.428

2.547.575

2.564.789

-

-

321.586

15.992

321.586

15.992

321.586

15.992

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40.728

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332.277

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267.036

338.264

395.271

311.660

348.269

243.899

283.028

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321.586

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33.687

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5.808.945

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5.340.281

5.962.830

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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bank bjb Laporan Tahunan 2014

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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Sebagai upaya memastikan kecukupan kebijakan dan prosedur perkreditan, maka bank bjb menyusun Kebijakan Perkreditan Bank (KPB) yang digunakan sebagai landasan dalam pembuatan Pedoman maupun Standar Operasional Prosedur (SOP) perkreditan.

As an effort to ensure the adequacy of credit policies and procedures, bank bjb prepares the Bank Credit Policy (CDE) which is used as a basis in the preparation of the credit Guidelines and Standard Operating Procedures (SOPs).

bank bjb menerapkan proses yang ketat atas setiap penyusunan maupun perubahan atas setiap ketentuan internal bank. Penyusunan maupun perubahan atas KPB, Pedoman, dan SOP perkreditan dilakukan melalui tahapan berjenjang yang dimulai dari pembahasan pada level teknis hingga melalui persetujuan Direksi. bank bjb juga telah memiliki standar baku dalam alur penyusunan SOP sehingga dapat dihasilkan kualitas hasil yang baik. Setiap penyusunan maupun perubahan atas Kebijakan, Pedoman dan SOP perkreditan senantiasa melalui pembahasan bersama Divisi yang terkait sehingga memenuhi kecukupan JEFOUJmLBTJ EBO NJUJHBTJ SJTJLP TFSUB LFUFOUVBO ZBOH berlaku.

bank bjb applies strict processes on any preparations or amendments of any internal provisions of the bank. The preparation of and amendments to the CDE, Guidelines, and SOPs for credit are carried out through tiered stages which start from the discussion at the technical level to the approval of the Board of Directors. bank bjb also has a standard in the SOP DSFBUJPO nPX TP JU DBO QSPEVDF HPPE RVBMJUZ SFTVMUT Each drafting and amendment of credit policies, guidelines and SOPs always go through a review by UIFSFMBUFE%JWJTJPOTUIFSFGPSFGVMmMMJOHUIFBEFRVBDZPG SJTLJEFOUJmDBUJPOBOENJUJHBUJPOBTXFMMBTDPNQMJBODF to the applicable regulations.

bank bjb saat ini telah secara intensif melakukan penyempurnaan atas modelling yang digunakan dalam perhitungan tingkat risiko yang akan diambil (risk appetite) dan toleransi risiko (risk tolerance) berdasarkan modal yang dimiliki bank. Tingkat Risiko yang akan diambil merupakan tingkat dan jenis Risiko yang bersedia diambil oleh Bank dalam rangka mencapai sasaran Bank. Toleransi Risiko merupakan tingkat dan jenis Risiko yang secara maksimum ditetapkan oleh Bank. Toleransi Risiko merupakan penjabaran dari tingkat Risiko yang akan diambil.

Currently, bank bjb IBT JOUFOTJmFE JNQSPWFNFOUT PO the modeling used in the calculation of the risk appetite and risk tolerance based on the bank’s capital. Risk appetite is the level and type of risk that is willing to be taken by the Bank in order to achieve the objectives of the Bank. Risk tolerance is the maximum level and type of risk set by the Bank. Risk tolerance is a description of the risk appetite.

Adapun terkait dengan limit kewenangan memutus kredit saat ini bank bjb telah menerapkan mekanisme keputusan kredit secara berjenjang sesuai dengan tingkat risiko yang tercermin dari plafond pengajuan fasilitas kredit.

In relations to loan approval authority limit, currently bank bjb has implemented a mechanism of credit decisions in stages according to the level of risk that is SFnFDUFEGSPNUIFNBYJNVNDSFEJUGBDJMJUZBQQMJDBUJPO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

332

MANAJEMEN RISIKO

 .HFXNXSDQ 3URVHV LGHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD sistem informasi Manajemen Risiko Dalam analisa kredit, bank telah menerapkan QSPTFT JEFOUJmLBTJ BUBT QPUFOTJ SJTJLP ZBOH NFMFLBU 1SPTFT JEFOUJmLBTJ UFSTFCVU NFOKBEJ lebih optimal dengan dibentuknya Divisi yang khusus melaksanakan review dan analisa lanjutan atas potensi risiko yang melekat pada proses pengajuan fasilitas kredit. 

 $GHTXDF\ RI 5LVN ,GHQWLÀFDWLRQ 0HDVXUHPHQW 0RQLWRULQJ DQG 5LVN &RQWURO DV ZHOO DV 5LVN 0DQDJHPHQW,QIRUPDWLRQ6\VWHP In the analysis of credit, the bank has implemented a process of identifying inherent potential risks. The JEFOUJmDBUJPO QSPDFTT CFDPNFT NPSF PQUJNBM XJUI UIF FTUBCMJTINFOU PG B %JWJTJPO XIJDI JT TQFDJmDBMMZ assigned to conduct reviews and further analysis of the inherent potential risks in the process of loan facility application.

4FCBHBJCFOUVLJEFOUJmLBTJBUBTSJTJLPLSFEJU CBOL bjb telah mengembangkan mekanisme pelaporan kredit bermasalah yang dilakukan oleh Kantor Cabang secara berkala. Pelaporan ditujukan kepada Divisi Manajemen Risiko untuk menjadi masukan dalam penyusunan strategi Manajemen Risiko.

"T B GPSN PG DSFEJU SJTL JEFOUJmDBUJPO  CBOL bjb has developed a non performing loans reporting NFDIBOJTNXIJDIJTQFSGPSNFECZUIF#SBODI0GmDF on a regular basis. The reports are addressed to the Risk Management Division to be used as input in the preparation of the Risk Management strategy.

Dalam melakukan pengukuran risiko, bank bjb mengembangkan model risiko kredit melalui penggunaan Internal Credit Risk Rating (ICRR) dan Internal Credit Risk Scoring (ICRS) pada setiap pengajuan kredit. Adapun rating dan scoring yang dimiliki oleh bank bjb meliputi: • Pemeringkatan Kredit Non Ritel: - Rating Korporasi Konstruksi - Rating Korporasi - Rating SME Konstruksi - Rating SME • Pemeringkatan Kredit Ritel - Scoring Kredit Mikro Utama - Scoring Kredit Usaha Rakyat • Pemeringkatan Kredit Konsumtif - Scoring Kredit Guna Bakti - Scoring Kredit Pemilikan Rumah

In conducting risk measurements, bank bjb develops credit risk models through the utilization of the Internal Credit Risk Rating (ICRR) and Internal Credit Risk Scoring (ICRS) in any loan application. The rating and scoring owned by bank bjb include: • Non Retail Credit Rating: Construction Corporate Rating - Corporate Rating - Contruction SME Rating - SME Rating • Retail Credit Rating - Kredit Mikro Utama Scoring - Kredit Usaha Rakyat Scoring • Consumptive Credit Rating - Guna Bakti Loan Scoring - Housing Loan Scoring

ICRR adalah suatu alat bantu dalam mengukur risiko kredit dalam bentuk suatu model yang digunakan untuk memprediksi tingkat kemungkinan kegagalan pembayaran oleh debitur atas fasilitas LSFEJU ZBOH EJCFSJLBO *$33 .FOHLMBTJmLBTJLBO entitas perusahaan/korporasi secara sistematis ke dalam suatu kelas risiko (grading atau peringkat). Penggunaan ICRR bertujuan untuk menentukan peringkat bagi debitur yang mencerminkan

ICRR is an instrument to measure credit risk in the form of a model which is utilized to predict the likelihood of default by the debtor to the granted credit facilities. 5IF *$$3 DMBTTJmFT DPNQBOZ DPSQPSBUJPO FOUJUJFT systematically into a risk class (grading or ranking). The application of ICRR aims to determine the rank PGBEFCUPSUIBUSFnFDUTUIF1SPCBCJMJUZPG%FGBVMU 1%  amount. Debtors with the best rating has a Probability of Default that is close to zero. As for a lower credit rating,

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

333 RISK MANAGEMENT

besaran Probability of Default (PD). Debitur dengan rating terbaik memiliki Probability of Default yang mendekati nol. Adapun untuk kredit dengan rating lebih rendah, Probability of Default akan meningkat sehingga menghasilkan kurva default rate berbentuk exponential sesuai dengan penurunan rating.

the Probability of Default will increase resulting in an exponential shaped default rate curve in accordance with the rating downgrade.

Tingkatan rating debitur dinyatakan dengan huruf yang meliputi 20 (dua puluh) peringkat berbeda yaitu:

The rating level of debtors is expressed by letters which covers 20 (twenty) different ratings, namely:

Rating AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCD

.HWHUDQJDQ'HVFULSWLRQ Outstanding Strong Strong Strong Good Good Good Average Average Average Acceptable Acceptable High Risk High Risk Watch List Watch List Special Mention Special Mention Substandard Doubtful

Adapun penerapan ICRS menjadi suatu keputusan persetujuan atau penolakan atas pengajuan fasilitas kredit. Dengan menggunakan ICRS maka Bank dapat memproses kredit dengan lebih baik, obyektif dan standar, serta dengan waktu proses relatif lebih cepat.

While the implementation of ICRS is a decision of approval or denial of an application for a credit facility. By using the ICRS, the Bank can process credit better, objective and standards, as well as a relatively faster processing time.

bank bjb merencanakan untuk senantiasa memperbaiki sistem rating yang akan menjadi salah TBUVLPNQPOFOEBMBNNFUPEPMPHJJEFOUJmLBTJEBO pengukuran risiko kredit serta mengembangkan sistem scoring dalam pengambilan keputusan terutama kredit yang bersifat massal.

bank bjb plans to continuously improve the rating system which will be one of the components in the NFUIPEPMPHZ PG JEFOUJmDBUJPO BOE NFBTVSFNFOU PG credit risk as well as to develop a scoring system in credit decisions for the masses.

Sebagai bentuk lain dari pengukuran risiko kredit, bank bjb telah melakukan estimasi kerugian yang telah diperkirakan (Expected Loss) serta besar

As other forms of credit risk assessment, bank bjb has conducted the Expected Loss estimations as well as the loss amount of Unexpected Loss. Expected

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

334

MANAJEMEN RISIKO

kerugian yang tidak diperkirakan (Unexpected Loss). Expected Loss (EL) adalah besaran kerugian secara statistik yang diperkirakan timbul secara rata-rata dari perkiraan kerugian yang secara umum terjadi. EL didapatkan dari perhitungan Eksposur pada saat default (EAD), kerugian pada saat default (LGD) dan probabilitas terjadinya default (PD), yang diestimasi dari data probabilitas default secara historis. Sementara itu Unexpected Loss (UL) merupakan deviasi dari rata-rata kerugian. Perhitungan UL diperoleh dari data volatilitas secara historis (historical volatility) atas data default.

Loss (EL) is the amount of losses expected to arise from average of the common estimated losses. EL is obtained from the calculation of the Exposure at the time of default (EAD), loss given default (LGD) and the probability of default (PD), that are estimated from the default probability data historically. Meanwhile, Unexpected Loss (UL) is the deviation from the average loss. The calculation of UL is obtained from the historical volatility data over the default data.

bank bjb juga telah mengembangkan proses pemantauan risiko yang dilakukan secara berkala melalui penerbitan laporan Root Cause of Credit Risk (RCCR) yang disampaikan kepada Direksi dan seluruh Divisi terkait. Laporan Root Cause of Credit Risk (RCCR) berisi analisa perkembangan portofolio beserta kualitas kreditnya, serta tingkat konsentrasi kredit baik berdasarkan TFLUPS FLPOPNJ  XJMBZBI HFPHSBmT  NBVQVO debitur inti. Dalam laporan ini disampaikan pula penyebab terjadinya kredit bermasalah sehingga dapat menjadi masukan atas hal-hal yang perlu diperbaiki dalam melakukan penyaluran kredit. Dengan penerbitan laporan Root Cause of Credit Risk (RCCR) dapat menjadi Early Warning Signal (EWS) atas penurunan kualitas kredit.

bank bjb has also developed a process of risk monitoring which is carried out periodically through the publication of a Root Cause of Credit Risk (RCCR) report which is submitted to the Board of Directors and all relevant Division. The Root Cause of Credit Risk (RCCR) report contains analysis of the development of the portfolio and its credit quality, as well as the level of credit concentration based on the economic sector, geographic region, or core debtors. This report also conveys the cause of non performing loans that can be the input to matters that need to be corrected in conducting loan disbursements. The publication of the Root Cause of Credit Risk (RCCR) report can become an Early Warning Signal (EWS) for the decline in credit quality.

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK bank bjb telah memiliki sistem pengendalian intern untuk manajemen risiko kredit dengan berpedoman pada SE BI Nomor 13/23/DPNP tanggal 25 Oktober 2011 perihal Perubahan atas Surat Edaran Nomor 5/21/DPNP perihal Penerapan Manajemen Risiko bagi Bank umum. Dalam pelaksanaannya, sistem pengendalian intern untuk risiko kredit mencakup penerapan atas hal-hal sebagai berikut: - Dipenuhinya kecukupan Kebijakan, Pedoman dan Prosedur bidang perkreditan; - Dilakukannya review oleh unit kerja independen atas rancangan Kebijakan, Pedoman dan Prosedur bidang perkreditan;

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP bank bjb already has an internal control system for the management of credit risk based on SE BI No. 13/23/ DPNP dated 25 October 2011 on the Amendment to Circular No. 5/21/DPNP on the Implementation of Risk Management for Commercial Banks. In practice, the internal control system for credit risk includes the implementation of the following matters: - Adequacy of compliance with Policies, Guidelines BOE1SPDFEVSFTJOUIFmFMEPGDSFEJU - Implementation of reviews by an independent unit on the draft Policies, Guidelines and Procedures in UIFmFMEPGDSFEJU

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

335 RISK MANAGEMENT

-

-

Dilakukannya review/kaji ulang atas metode pengukuran risiko oleh Divisi Manajemen Risiko yang mencakup penilaian kesesuaian metode, dan asumsi yang digunakan untuk mengukur risiko; Kaji ulang atas kepatuhan bank terhadap ketentuan internal dan eksternal bidang perkreditan.

Dalam rangka optimalisasi pengendalian intern, maka bank bjb juga telah melakukan pemisahan fungsi yang jelas antara unit bisnis dan unit yang melaksanakan pengendalian sehingga bank telah menerapkan segregation of duty dan dual control dalam melakukan keputusan kredit. Pengendalian intern untuk manajemen risiko kredit juga mencakup pengawasan oleh Dewan Komisaris dan Direksi secara berkala melalui pelaporan yang disampaikan oleh Divisi Manajemen Risiko maupun pelaksanaan Risk Management Committee (RMC) yang beranggotakan Direksi serta pejabat eksekutif terkait. Adapun pelaksanaan rapat Komite Pemantau Risiko (KPR) telah dilaksanakan secara berkala yang ditujukan untuk memantau perkembangan eksposur risiko kredit sesuai dengan perkembangan terkini.

-

-

Implementation of review/ revision on the methods of measuring risk by the Risk Management Division which includes conformity assessment methods, and assumptions used to measure the risks; Review on the bank’s compliance to internal and FYUFSOBMQSPWJTJPOTJOUIFmFMEPGDSFEJU

In order to optimize internal control, bank bjb has also conducted a clear separation of functions between the business units and units that perform control so that the bank has implemented the segregation of duty and dual control in making credit decisions. Internal controls for credit risk management also includes oversight by the Board of Commissioners and the Board of Directors on a regular basis through reports submitted by the Risk Management Division and the implementation of duties by the Risk Management Committee (RMC) consisting of the Board of Directors BOESFMBUFEFYFDVUJWFPGmDFST5IFJNQMFNFOUBUJPOPG the Risk Monitoring Committee (RMC) meeting has been carried out on a regular basis to monitor the development of credit risk exposures in accordance with the latest developments.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

336

MANAJEMEN RISIKO

3. Pengungkapan Kuantitatif Risiko Kredit D 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ :LOD\DK²%DQN6HFDUD,QGLYLGXDO 7DEHOD (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio 3RUWIROLR&DWHJRU\

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region :LOD\DK Region 1

(1)

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

Total

(2)

1

Tagihan Kepada Pemerintah/ Claims on Government/Sovereign

13.171.571

792.280

-

-

13.963.851

2

Tagihan Kepada Entitas Sektor Publik/ Claims on Public Sector Entities

160.000

-

10.837

-

170.837

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claims on Multilateral Development Banks and International Entities

4

Tagihan Kepada Bank/ Claims on Banks

2.981.358

189.056

279.541

80.798

3.530.753

5

Kredit Beragun Rumah Tinggal/ Claims Secured by Residential Property

1.360.143

1.283.380

1.058.574

696.601

4.398.698

6

Kredit Beragun Properti Komersial/ Claims Secured by Commercial Real Estate

7

Kredit Pegawai/Pensiunan/ Claims on Pension Loans

12.042.157

5.269.954

10.884.383

5.693.157

33.889.651

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claims on Micro, Small, and Retail Portfolio

1.388.425

468.572

1.563.789

454.091

3.874.877

1.859.511

3.023.993

622.516

859.662

6.365.682

3.005.993

60.905

94.235

70.565

3.231.698

9

Tagihan kepada Korporasi/ Claims on Corporate

10

Tagihan yang Telah Jatuh Tempo/ Claims on Past Due Exposures

11

Aset Lainnya/ Other Assets

12

Eksposur di Unit Usaha Syariah (apabila ada)/ Sharia Exposures (if any) Total

-

-

35.969.158

11.088.140

14.513.875

7.854.874

69.426.047

E 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ :LOD\DK ² %DQN VHFDUD .RQVROLGDVDL GHQJDQ 3HUXVDKDDQ$QDN 7DEHOE (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio 3RUWIROLR&DWHJRU\

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region :LOD\DK Region 1

(1)

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

Total

(2)

1

Tagihan Kepada Pemerintah/ Claims on Government/Sovereign

13.379.861

792.280

-

-

14.172.141

2

Tagihan Kepada Entitas Sektor Publik/ Claims on Public Sector Entities

160.000

-

10.837

-

170.837

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claims on Multilateral Development Banks and International Entities

-

-

-

-

-

4

Tagihan Kepada Bank/ Claims on Banks

2.376.960

189.056

279.541

80.798

2.926.355

5

Kredit Beragun Rumah Tinggal/ Claims Secured by Residential Property

1.360.143

1.283.380

1.058.574

696.601

4.398.698

6

Kredit Beragun Properti Komersial/ Claims Secured by Commercial Real Estate

-

-

-

-

-

7

Kredit Pegawai/Pensiunan/ Claims on Pension Loans

12.042.157

5.269.954

10.884.383

5.693.157

33.889.651

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claims on Micro, Small, and Retail Portfolio

5.928.388

468.572

1.563.789

454.091

8.414.840

1.864.365

3.023.993

622.516

859.662

6.370.536

-

-

-

-

-

3.045.865

60.905

94.235

70.565

3.271.570

-

-

-

-

-

40.157.739

11.088.140

14.513.875

7.854.874

73.614.628

9

Tagihan kepada Korporasi/ Claims on Corporate

10

Tagihan yang Telah Jatuh Tempo/ Claims on Past Due Exposures

11

Aset Lainnya/ Other Assets

12

Eksposur di Unit Usaha Syariah (apabila ada)/ Sharia Exposures (if any) Total

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

337 RISK MANAGEMENT

3. Quantitative Credit Risk Disclosure D 'LVFORVXUHRI1HW5HFHLYDEOHE\5HJLRQ²%DQN2QO\ (Table 2.1.a) (Rp Million) 'HVHPEHU'HFHPEHU

'HVHPEHU'HFHPEHU

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region

:LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

(3)

(4)

(5)

:LOD\DK Region 4

Total

(6)

(7)

:LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

(8)

(9)

(10)

(11)

Total (12)

14.227.218

587.680

-

-

14.814.898

13.077.551

208.144

1.231

-

13.286.926

178.956

-

12.877

-

191.833

567.788

-

9.104

-

576.892

-

-

-

-

-

-

-

-

-

-

1.680.232

174.064

107.737

63.680

2.025.713

1.961.455

82.686

62.757

42.230

2.149.128

1.215.843

1.072.660

971.402

632.089

3.891.994

558.192

443.318

460.181

234.904

1.696.595

-

-

-

-

-

-

-

-

-

-

10.730.245

4.048.875

9.668.281

4.724.078

29.171.479

8.523.932

3.023.177

7.641.664

3.671.827

22.860.600

1.824.537

656.844

2.039.978

651.040

5.172.399

1.639.245

551.215

1.752.492

511.415

4.454.367

1.830.086

3.522.743

579.429

796.068

6.728.326

1.796.535

2.985.069

661.298

871.067

6.313.969

-

-

-

-

-

-

-

-

-

-

1.661.232

312.964

767.517

360.431

3.102.144

1.135.997

304.828

633.020

297.446

2.371.291

-

-

-

-

-

0

0

0

33.348.349

10.375.830

14.147.221

7.227.386

65.098.786

29.260.695

7.598.437

11.221.747

5.628.889

53.709.768

E 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HJLRQ ² %DQN &RQVROLGDWHG 7DEOHE (Rp Million) 'HVHPEHU'HFHPEHU

'HVHPEHU'HFHPEHU

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK Net Receivable Based on Region

:LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

(3)

(4)

(5)

(6)

15.102.966

587.680

178.956

-

12.877

-

-

-

1.729.303

174.064

1.225.455

1.072.660

-

Total (7)

:LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

(8)

(9)

(10)

(11)

Total (12)

15.690.646

14.046.642

208.144

1.231

-

14.256.017

-

191.833

567.788

-

9.104

-

576.892

-

-

-

-

-

-

-

107.737

63.680

2.074.784

2.201.136

82.686

62.757

42.230

2.388.809

971.402

632.089

3.901.606

567.550

443.318

460.181

234.904

1.705.953

-

-

-

-

-

-

-

-

-

11.282.925

4.048.875

9.668.281

4.724.078

29.724.159

8.920.106

3.023.177

7.641.664

3.671.827

23.256.774

1.841.300

656.844

2.039.978

651.040

5.189.162

1.746.027

551.215

1.752.492

511.415

4.561.149

5.032.386

3.522.743

579.429

796.068

9.930.626

4.330.612

2.985.069

661.298

871.067

8.848.046

-

-

-

-

-

-

-

-

-

1.900.418

312.964

767.517

360.431

3.341.330

304.828

633.020

297.446

2.475.396

-

-

-

-

-

-

-

-

10.375.830

14.147.221

7.227.386

70.044.146

7.598.437

11.221.747

5.628.889

58.069.036

38.293.709

1.240.102

33.619.963

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

338

MANAJEMEN RISIKO

F 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ 6LVD -DQJND :DNWX .RQWUDN ² %DQN VHFDUD ,QGLYLGXDO 7DEHOD (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:DNWX.RQWUDN Net Receivable Based on Contractual Maturity < 1 tahun < 1 year

(1)

> 1 -3 tahun > 1 - 3 years

> 3-5 tahun > 3 - 5 years

12.316.385

855.186

79.2280

13.963.851

58.000

62.000

50.837

170.837

(2)

1 2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

> 5 tahun > 5 years

Non Kontraktual Non Contractual

Total

-

2.824.432

33.8736

35.3478

14.108

3.530.754

11.250

16.8471

316.499

3.902.477

4.398.697

Kredit Pegawai/Pensiunan

25.0343

2.186.565

54.45.623

26.007.119

33.889.650

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/

899.650

2.433.225

510.843

31.158

3.874.876

2.498.837

1.598.006

191.955

2.076.883

6.365.681

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada

-

3.231.698

Total

22.090.595

3.231.698 7.642.189

7.661.515

32.031.745

69.426.044

G 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ 6LVD -DQJND :DNWX .RQWUDN ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 2.2.b) (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:DNWX.RQWUDN Net Receivable Based on Contractual Maturity < 1 tahun < 1 year

(1)

> 1 -3 tahun > 1 - 3 years

> 3-5 tahun > 3 - 5 years

12.524.675

855.186

792.280

-

-

14.172.141

58.000

62.000

50.837

-

-

170.837

-

-

-

-

-

-

2.220.034

338.736

353.478

14.108

-

2.926.356

11.250

168.471

316.499

3.902.478

-

4.398.698

-

-

-

-

-

-

250.343

2.186.565

5.445.623

26.007.120

-

33.889.651

-

8.414.839 6.370.535

(2)

> 5 tahun > 5 years

Non Kontraktual Non Contractual

Total

-

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/

1.648.599

4.155.924

2.579.158

31.158

2.503.691

1.598.006

191.955

2.076.883

-

-

-

-

-

-

-

3.271.571

-

-

-

-

3.271.571

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada Total

bank bjb Laporan Tahunan 2014

-

-

-

-

-

-

22.488.163

9.364.888

9.729.830

32.031.747



73.614.628

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

339 RISK MANAGEMENT

F 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HPDLQLQJ 0DWXULW\ RI WKH &RQWUDFW ² %DQN 2QO\ (Table 2.2.a) (Rp Million) 'HVHPEHU'HFHPEHU

3RUWIROLR&DWHJRU\

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:DNWX.RQWUDN Net Receivable Based on Contractual Maturity < 1 tahun < 1 year

(3)

> 1 -3 tahun > 1 - 3 years

> 3-5 tahun > 3 - 5 years

(4)

(5)

-

-

-

> 5 tahun > 5 years

Non Kontraktual Non Contractual

(6)

(7)

Total

(8)

587.681

(2)

587.681

Claims on Government/Sovereign

-

-

-

-

-

Claims on Public Sector Entities

76.389

53.678

154.875

16.983

301.926

Claims on Multilateral Development Banks and International Entities

-

-

-

12.877

12.877

Claims on Banks

2.784.557

1.734.250

496.530

1.028.979

6.044.316

Claims Secured by Residential Property

658.004

3.598.044

873.937

42.415

5.172.399

Claims Secured by Commercial Real Estate

319

4.675

8.719

87.274

100.987

Claims on Pension Loans

-

333

475

8.124

8.932

Claims on Micro, Small, and Retail Portfolio

5.883

103.449

317.482

3.355.260

3.782.075

Claims on Corporate

305.749

1.848.953

4.551.042

22.465.736

29.171.479

Claims on Past Due Exposures

3.830.901

7.343.383

6.403.058



27.605.328

-

Other Assets

-

Sharia Exposures (if any)

45.182.671

Total

G 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HPDLQLQJ 0DWXULW\ RI WKH &RQWUDFW ² %DQN &RQVROLGDWHG (Table 2.2.b) (Rp Million) 'HVHPEHU'HFHPEHU

3RUWIROLR&DWHJRU\

7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:DNWX.RQWUDN Net Receivable Based on Contractual Maturity < 1 tahun < 1 year

(3)

> 1 -3 tahun > 1 - 3 years

> 3-5 tahun > 3 - 5 years

(4)

(5)

-

134

13.466

197.032

76.389

53.678

-

> 5 tahun > 5 years

Non Kontraktual Non Contractual

(6)

(7)

Total

(8)

(2)

587.681

-

587.815

Claims on Government/Sovereign

62.613

-

-

273.111

Claims on Public Sector Entities

154.875

16.983

-

301.926

Claims on Multilateral Development Banks and International Entities

21.256

111.130

97.230

75.625

-

305.241

Claims on Banks

3.325.229

1.971.003

684.134

1.161.266

-

7.141.632

Claims Secured by Residential Property

873.020

3.946.375

1.395.698

1.022.826

-

7.237.918

Claims Secured by Commercial Real Estate

319

4.675

8.719

87.274

-

100.987

Claims on Pension Loans

-

333

475

8.124

-

8.932

Claims on Micro, Small, and Retail Portfolio

5.883

103.449

317.482

3.355.260

-

3.782.075

Claims on Corporate

305.749

1.848.953

4.551.042

22.465.736

-

29.171.479

Claims on Past Due Exposures

4.621.311

8.236.763

7.272.266

28.780.774



-

Other Assets

-

Sharia Exposures (if any)

48.911.115

Total

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

340

MANAJEMEN RISIKO

H 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN VHFDUD ,QGLYLGXDO (Tabel 2.3.a) (Rp Juta) No

Sektor Ekonomi

(1)

(2) Posisi Tanggal Laporan Pertanian, perburuan dan Kehutanan Perikanan Pertambangan dan Penggalian Industri pengolahan Listrik, Gas dan Air Konstruksi Perdagangan besar dan eceran Penyediaan akomodasi dan penyediaan makan minum Transportasi, pergudangan dan komunikasi Perantara keuangan Real estate, usaha persewaan dan jasa perusahaan Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Jasa pendidikan Jasa kesehatan dan kegiatan sosial Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Jasa perorangan yang melayani rumah tangga Badan internasional dan badan ekstra internasional lainnya Kegiatan yang belum jelas batasannya Bukan Lapangan Usaha Lainnya Total Posisi Tanggal Laporan Tahun Sebelumnya Pertanian, perburuan dan Kehutanan Perikanan Pertambangan dan Penggalian Industri pengolahan Listrik, Gas dan Air Konstruksi Perdagangan besar dan eceran Penyediaan akomodasi dan penyediaan makan minum Transportasi, pergudangan dan komunikasi Perantara keuangan Real estate, usaha persewaan dan jasa perusahaan Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Jasa pendidikan Jasa kesehatan dan kegiatan sosial Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Jasa perorangan yang melayani rumah tangga Badan internasional dan badan ekstra internasional lainnya Kegiatan yang belum jelas batasannya Bukan Lapangan Usaha Lainnya Total

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

bank bjb Laporan Tahunan 2014

7DJLKDQ .HSDGD 3HPHULQWDK Claims on Government/ Sovereign

7DJLKDQ .HSDGD(QWLWDV Sektor Publik /Claims on Public Sector Entities

7DJLKDQ .HSDGD%DQN Pembangunan Multilateral GDQ/HPEDJD Internasional /Claims on Multilateral Development Banks and International Entities

7DJLKDQ .HSDGD%DQN /Claims on Banks

(3)

(4)

(5)

(6)

.UHGLW%HUDJXQ .UHGLW%HUDJXQ 5XPDK7LQJJDO 3URSHUWL /Claims Secured Komersial by Residential /Claims Secured Property by Commercial Real Estate

(7)

(8)

-

-

-

60.803

-

-

792.280 -

10.837 -

-

2.437 3.138 76.230

-

-

-

-

-

2.927.781

-

-

-

-

-

49.004 411.360

19.732

-

13.171.571 13.963.851

160.000 170.837

-

3.530.753

4.378.964 4.398.696

-

587.681 -

12.877 -

-

1.914 51.962 146.779 -

20.104 -

-

-

-

-

141 27.282

-

-

14.658.566

178.956

-

1.797.635

12 3.871.878

-

15.246.247

191.833



2.025.713

3.891.994



Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

341 RISK MANAGEMENT

H 'LVFORVXUHRI1HW5HFHLYDEOHE\(FRQRPLF6HFWRU %DQN2QO\ 7DEOHD (Rp Million) .UHGLW Pegawai/ Pensiunan /Claims on Pension Loans

7DJLKDQ .HSDGD8VDKD 0LNUR8VDKD .HFLOGDQ Portofolio Ritel /Claims on Micro, Small, and Retail Portfolio

7DJLKDQ .HSDGD .RUSRUDVL /Claims on Corporates

7DJLKDQ
Aset Lainnya /Other Assets

(NVSRVXUGL 8QLW8VDKD 6\DULDK DSDELODDGD  /Sharia Exposures (if any)

(9)

(10)

(11)

(12)

(13)

(14)

-

332.425

423.810

-

-

-

718 313.172 1.224 11.778 2.740.294

43.724 355.482 271.793 2.452.415 702.706

-

-

-

11.691 -

200.683 -

-

-

-

92.250 371.323

34.185 1.147.471

-

-

(FRQRPLF6HFWRU

(2) Position Date of Report Agricultures, Hunting and Forestry Fisheries Mining and Quarrying Processing industry Electricity, Gas and Water Construction Big and Retail Trade Provision of Accommodation and Food Supply Drinking Transportation, Warehousing and Communications Transitional Finance Real Estate, Rental Business, and Services Company Government Administration, the Defence and Compulsory Social Security Education Services Health and Social Services Community, Sociocultural, Entertainment and Other Individual Services

33.889.651 33.889.651

3.874.875

733.412 6.365.681

622 -

205.241 44.981 5.050 403.209 1.663 24.146 3.692.789 23.990 15.783 1.055 451.619 -

13.781 7.291 92.712 276.230 287.145 1.855.967 809.263 59.956 232.826 1.873.822 -

Individual Services which Serve Households Extra Agency International Agency and Other International #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE Credit Recipients Non Industrial Origin Others Total Position Date of Report Year Previous Agricultures, Hunting and Forestry Fisheries Mining and Quarrying Processing industry Electricity, Gas and Water Construction Big and Retail Trade Provision of Accommodation and Food Supply Drinking Transportation, Warehousing and Communications Transitional Finance Real Estate, Rental Business, and Services Company Government Administration, the Defence and Compulsory Social Security

-

23.596 119.543

44.648 18.350

Education Services Health and Social Services Community, Sociocultural, Entertainment and Other Individual Services

29.170.857

159.734

1.380.587

-

3.102.144

-

Individual Services which Serve Households Extra Agency International Agency and Other International #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE Credit Recipients Non Industrial Origin Others

29.171.479

5.172.399

6.952.578



3.102.144



Total

-

3.231.698 3.231.698

-

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

342

MANAJEMEN RISIKO

I 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN VHFDUD .RQVROLGDVL GHQJDQ3HUXVDKDDQ$QDN 7DEHOE (Rp Juta) No

Sektor Ekonomi

(1)

(2) Posisi Tanggal Laporan Pertanian, perburuan dan Kehutanan Perikanan Pertambangan dan Penggalian Industri pengolahan Listrik, Gas dan Air Konstruksi Perdagangan besar dan eceran Penyediaan akomodasi dan penyediaan makan minum Transportasi, pergudangan dan komunikasi Perantara keuangan Real estate, usaha persewaan dan jasa perusahaan Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Jasa pendidikan Jasa kesehatan dan kegiatan sosial Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Jasa perorangan yang melayani rumah tangga Badan internasional dan badan ekstra internasional lainnya Kegiatan yang belum jelas batasannya Bukan Lapangan Usaha Lainnya Total Posisi Tanggal Laporan Tahun Sebelumnya Pertanian, perburuan dan Kehutanan Perikanan Pertambangan dan Penggalian Industri pengolahan Listrik, Gas dan Air Konstruksi Perdagangan besar dan eceran Penyediaan akomodasi dan penyediaan makan minum Transportasi, pergudangan dan komunikasi Perantara keuangan Real estate, usaha persewaan dan jasa perusahaan Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Jasa pendidikan Jasa kesehatan dan kegiatan sosial Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Jasa perorangan yang melayani rumah tangga Badan internasional dan badan ekstra internasional lainnya Kegiatan yang belum jelas batasannya Bukan Lapangan Usaha Lainnya Total

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

bank bjb Laporan Tahunan 2014

7DJLKDQ .HSDGD 3HPHULQWDK Claims on Government/ Sovereign

7DJLKDQ .HSDGD(QWLWDV Sektor Publik /Claims on Public Sector Entities

7DJLKDQ .HSDGD%DQN Pembangunan Multilateral GDQ/HPEDJD Internasional /Claims on Multilateral Development Banks and International Entities

7DJLKDQ .HSDGD%DQN /Claims on Banks

(3)

(4)

(5)

(6)

.UHGLW%HUDJXQ .UHGLW%HUDJXQ 5XPDK7LQJJDO 3URSHUWL /Claims Secured Komersial by Residential /Claims Secured Property by Commercial Real Estate

(7)

(8)

792.280 -

10.837 -

-

60.803 2.437 3.138 76.230 2.323.384 -

-

-

-

-

-

49.004 411.360

19.732

-

13.379.861 14.172.141

160.000 170.837

-

2.926.356

4.378.966 4.398.698

-

1 133 -

3.286 5.240 1.980 94 218 232.686 -

-

2 16 273.095 -

-

-

-

31.932 6.618 10.100

-

-

-

-

16.121.861

(100.321)

-

1.801.671

3.901.606

-

16.121.995

191.833



2.074.784

3.901.606



Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

343 RISK MANAGEMENT

I 'LVFORVXUH RI (FRQRPLF 6HFWRU (Table 2.3.b) (Rp Million) .UHGLW Pegawai/ Pensiunan /Claims on Pension Loans

7DJLKDQ .HSDGD8VDKD 0LNUR8VDKD .HFLOGDQ Portofolio Ritel /Claims on Micro, Small, and Retail Portfolio

7DJLKDQ .HSDGD .RUSRUDVL /Claims on Corporates

7DJLKDQ
Aset Lainnya /Other Assets

(NVSRVXUGL 8QLW8VDKD 6\DULDK DSDELODDGD  /Sharia Exposures (if any)

(9)

(10)

(11)

(12)

(13)

(14)

1HW 5HFHLYDEOH E\  %DQN &RQVROLGDWHG (FRQRPLF6HFWRU

(2)

-

367.801 25.696 425.752 56.390 340.594 3.071.501 301.812 -

423.810 43.724 355.482 271.793 2.457.269 702.706 200.683 -

-

-

-

Position Date of Report Agricultures, Hunting and Forestry Fisheries Mining and Quarrying Processing industry Electricity, Gas and Water Construction Big and Retail Trade Provision of Accommodation and Food Supply Drinking Transportation, Warehousing and Communications Transitional Finance Real Estate, Rental Business, and Services Company Government Administration, the Defence and Compulsory Social Security

-

343.965 1.209.529

34.185 1.147.471

-

-

-

Education Services Health and Social Services Community, Sociocultural, Entertainment and Other Individual Services

33.889.651 33.889.651

2.271.799 8.414.839

733.412 6.370.535

-

3.271.571 3.271.571

-

-

15.669 3.995 9.946 25.563 556 5.007 196.783 114.339 2.493 252.281 -

3.457 19.707 153.788 59.119 213.117 1 105.707 136.971 395.045 -

-

-

-

Individual Services which Serve Households Extra Agency International Agency and Other International #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE Credit Recipients Non Industrial Origin Others Total Position Date of Report Year Previous Agricultures, Hunting and Forestry Fisheries Mining and Quarrying Processing industry Electricity, Gas and Water Construction Big and Retail Trade Provision of Accommodation and Food Supply Drinking Transportation, Warehousing and Communications Transitional Finance Real Estate, Rental Business, and Services Company Government Administration, the Defence and Compulsory Social Security

-

1.367 9.735 5.104

224 51.820 2.303

-

-

-

Education Services Health and Social Services Community, Sociocultural, Entertainment and Other Individual Services

29.724.159

4.546.324

9.070.302

-

3.341.330

-

Individual Services which Serve Households Extra Agency International Agency and Other International #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE Credit Recipients Non Industrial Origin Others

29.724.159

5.189.162

10.211.561



3.341.330



Total

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

344

MANAJEMEN RISIKO

J 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ:LOD\DK²%DQNVHFDUD,QGLYLGXDO (Tabel 2.4.a) (Rp Juta) No

'HVHPEHU'HFHPEHU

Keterangan

:LOD\DK5HJLRQ

(1)

(2)

1

Tagihan

2

Tagihan yang mengalami penurunan nilai (impaired )

:LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

Total

(3)

(4)

(5)

(6)

(7)

35.969.158

a. Belum jatuh tempo

11.088.140

14.513.875

7.854.874

69.426.047 -

421.929

310.251

595.782

176.293

1.504.255

b. Telah jatuh tempo

-

3

Cadangan kerugian penurunan nilai (CKPN) - Individual

126.738

171.325

86.761

166.767

551.591

4

Cadangan kerugian penurunan nilai (CKPN) - Kolektif

328.135

65.625

469.443

125.494

988.697

5

Tagihan yang dihapus buku

57.165

39.362

76.242

26.124

-

K 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ :LOD\DK ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 2.4.b) (Rp Juta) No

'HVHPEHU'HFHPEHU

Keterangan

:LOD\DK5HJLRQ :LOD\DK Region 1

(1)

(2)

1

Tagihan

2

Tagihan yang mengalami penurunan nilai (impaired ) a. Belum jatuh tempo b. Telah jatuh tempo

:LOD\DK Region 2

(3)

:LOD\DK Region 3

(4)

:LOD\DK Region 4

(5)

Total

(6)

(7)

40.157.739

11.088.140

14.513.875

7.854.874

73.614.628

-

-

-

-

-

678.998

310.251

595.782

176.293

1.761.324

-

-

-

-

-

3

Cadangan kerugian penurunan nilai (CKPN) - Individual

126.738

171.325

86.761

166.767

551.591

4

Cadangan kerugian penurunan nilai (CKPN) - Kolektif

328.135

65.625

469.443

125.494

988.697

5

Tagihan yang dihapus buku

57.165

39.362

76.242

26.124

-

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

345 RISK MANAGEMENT

J 'LVFORVXUH RI 5HFHLYDEOH DQG $OORZDQFH E\ 5HJLRQ%DQN2QO\ 7DEOHD (Rp Million) 'HVFULSWLRQ

'HVHPEHU'HFHPEHU :LOD\DK5HJLRQ :LOD\DK Region 1

:LOD\DK Region 2

:LOD\DK Region 3

:LOD\DK Region 4

Total

(8)

(9)

(10)

(11)

(12)

14.916.215

365.878

10.020.308

269.294

13.308.486

379.390

6.864.598

262.498

(2)

45.109.607

Receivables

-

Impaired Receivables

1.277.060

a. Non Past Due

-

b. Past Due

92.561

195.842

98.008

102.803

489.214

Allowance for Impairment Losses - Individual

203.543

54.318

193.228

77.022

528.111

Allowance for Impairment Losses - Collective

83.811

29.567

138.634

18.940

270.952

Claims written off

K 'LVFORVXUH RI 5HFHLYDEOH DQG $OORZDQFH E\ 5HJLRQ%DQN&RQVROLGDWHG 7DEOHE (Rp Million)

'HVFULSWLRQ

'HVHPEHU'HFHPEHU :LOD\DK5HJLRQ :LOD\DK Region 1

:LOD\DK Region 2

(8)

:LOD\DK Region 3

(9)

:LOD\DK Region 4

(10)

Total

(11)

(12)

(2)

15.388.069

7.264.692

10.324.151

5.353.081

38.329.993

Receivables

-

-

-

-

-

Impaired Receivables

305.727

219.965

235.816

83.572

845.080

a. Non Past Due

-

-

-

-

-

b. Past Due

46.474

156.490

104.013

24.331

331.308

Allowance for Impairment Losses - Individual

171.939

40.315

90.252

46.979

349.485

Allowance for Impairment Losses - Collective

135.018

26.843

133.670

60.102

355.633

Claims written off

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

346

MANAJEMEN RISIKO

L 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN VHFDUD ,QGLYLGXDO 7DEHOD (Rp Juta) No

7DJLKDQ /Receivable

Sektor Ekonomi

(1)

(2)

L 'LVFORVXUH RI 5HFHLYDEOHV DQG $OORZDQFHV E\ (FRQRPLF6HFWRU%DQN2QO\ 7DEOHD (Rp Million)

7DJLKDQ\DQJ0HQJDODPL Penurunan Nilai/ Impaired Receivables

(3)

%HOXP-DWXK 7HPSRNon Past Due

7HODK-DWXK 7HPSR Past Due

(4)

(5)

&DGDQJDQ &DGDQJDQ kerugian kerugian SHQXUXQDQ SHQXUXQDQ QLODL &.31  QLODL &.31  ,QGLYLGXDO Kolektif /Allowance for /Allowance for Impairment Impairment Losses Losses Individual Collective

(6)

(7)

(FRQRPLF6HFWRU

7DJLKDQ yang GLKDSXV buku /Claims Written off

(8)

(2)

3RVLVL7DQJJDO/DSRUDQ 1

Pertanian, Perburuan dan Kehutanan

2

Perikanan

3

Pertambangan dan Penggalian

4

Industri Pengolahan

5

Listrik, Gas dan Air

6

Konstruksi

7

Perdagangan Besar dan Eceran

8

Penyediaan Akomodasi dan Penyediaan Makan Minum

9

Transportasi, Pergudangan dan Komunikasi

3RVLWLRQ'DWHRI5HSRUW
111.114

56.762

96.585

13.732

$JULFXOWXUHV+XQWLQJDQG)RUHVWU\

1.598

)LVKHULHV 0LQLQJDQG4XDUU\LQJ

44.443

1.025

5.635

1.004

2.539

1.463.370

93.733

64581

81931

45.734

3URFHVVLQJLQGXVWU\

283.855

230

171

244

4

(OHFWULFLW\*DVDQG:DWHU

2.467.331

71.607

125.762

18.042

11.386

&RQVWUXFWLRQ

3.519.230

773.646

75.754

637.340

122.101

%LJDQG5HWDLO7UDGH

-

3URYLVLRQRI$FFRPPRGDWLRQDQG )RRG6XSSO\'ULQNLQJ

89

7UDQVSRUWDWLRQ:DUHKRXVLQJDQG &RPPXQLFDWLRQV

212.375

136.752

9.755

3.202

2.927.781

4.298

4.298

-

10

Perantara Keuangan

-

7UDQVLWLRQDO)LQDQFH

11

Real Estate, Usaha Persewaan dan Jasa Perusahaan

-

5HDO(VWDWH5HQWDO%XVLQHVVDQG 6HUYLFHV&RPSDQ\

12

Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib

-

*RYHUQPHQW$GPLQLVWUDWLRQWKH 'HIHQFHDQG&RPSXOVRU\6RFLDO Security

13

Jasa Pendidikan

14

Jasa Kesehatan dan Kegiatan Sosial

15

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

16

-

(GXFDWLRQ6HUYLFHV

175.440

19.089

7693

14305

-

+HDOWKDQG6RFLDO6HUYLFHV

1.949.887

108.774

148976

36783

-

&RPPXQLW\6RFLRFXOWXUDO (QWHUWDLQPHQWDQG2WKHU,QGLYLGXDO 6HUYLFHV

Jasa Perorangan yang Melayani Rumah Tangga

-

,QGLYLGXDO6HUYLFHVZKLFK6HUYH +RXVHKROGV

17

Badan Internasional dan Badan Ekstra Internasional Lainnya

-

([WUD$JHQF\,QWHUQDWLRQDO$JHQF\ DQG2WKHU,QWHUQDWLRQDO

18

Kegiatan yang Belum Jelas Batasannya

-

%XVLQHVV$FWLYLWLHVZKLFKDUH1RW &OHDUO\'HÀQHG

19

Bukan Lapangan Usaha

20

Lainnya

55.565.296

183.987

Total

69.426.045

1.504.255

-

-

&UHGLW5HFLSLHQWV1RQ,QGXVWULDO2ULJLQ

68281

131167

1.711

2WKHUV

567.668

1.020.603

198.894

3RVLVL7DQJJDO/DSRUDQ7DKXQ Sebelumnya 1

Pertanian, Perburuan dan Kehutanan

2

Perikanan

3

Pertambangan dan Penggalian

4

Industri Pengolahan

5

Listrik, Gas dan Air

Total 3RVLWLRQ'DWHRI5HSRUW
216.826

44.040

-

11.250

26.470

13.732

50.955

6.732

-

-

4.831

1.598

Agricultures, Hunting and Forestry Fisheries

100.328

9.493

-

3.753

3.069

2.539

Mining and Quarrying

1.292.551

124.656

-

66.321

42.340

45.734

Processing industry

301.569

137

-

240

668

4

Electricity, Gas and Water

6

Konstruksi

1.933.505

104.818

-

81.536

21.616

11.386

Construction

7

Perdagangan Besar dan Eceran

4.518.638

562.488

-

103.722

316.918

183.234

Big and Retail Trade

8

Penyediaan Akomodasi dan Penyediaan Makan Minum

82.260

60.370

-

20

9.071

-

Provision of Accommodation and Food Supply Drinking

9

Transportasi, Pergudangan dan Komunikasi

247.898

16.899

-

4.558

3.698

89

Transportation, Warehousing and Communications

10

Perantara Keuangan

11

Real Estate, Usaha Persewaan dan Jasa Perusahaan

12

Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib

13

Jasa Pendidikan

14

Jasa Kesehatan dan Kegiatan Sosial

bank bjb Laporan Tahunan 2014

1.027

100

-

-

72

-

Transitional Finance

2.571.744

160.714

-

113.710

44.655

92.081

Real Estate, Rental Business, and Services Company

-

-

-

-

-

-

Government Administration, the Defence and Compulsory Social Security

68.193

4.211

-

1.152

2.916

-

Education Services

-

-

-

-

689

-

Health and Social Services

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

347 RISK MANAGEMENT

L 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN VHFDUD ,QGLYLGXDO 7DEHOD (Rp Juta) No

7DJLKDQ /Receivable

Sektor Ekonomi

(1)

(2)

15

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

16

L 'LVFORVXUH RI 5HFHLYDEOHV DQG $OORZDQFHV E\ (FRQRPLF6HFWRU%DQN2QO\ 7DEOHD (Rp Million)

7DJLKDQ\DQJ0HQJDODPL Penurunan Nilai/ Impaired Receivables

(3)

%HOXP-DWXK 7HPSRNon Past Due

7HODK-DWXK 7HPSR Past Due

(4)

(5)

&DGDQJDQ &DGDQJDQ kerugian kerugian SHQXUXQDQ SHQXUXQDQ QLODL &.31  QLODL &.31  ,QGLYLGXDO Kolektif /Allowance for /Allowance for Impairment Impairment Losses Losses Individual Collective

(6)

(7)

(FRQRPLF6HFWRU

7DJLKDQ yang GLKDSXV buku /Claims Written off

(8)

(2)

168.832

13.414

-

6.971

5.171

10.661

Community, Sociocultural, Entertainment and Other Individual Services

Jasa Perorangan yang Melayani Rumah Tangga

-

-

-

-

-

-

Individual Services which Serve Households

17

Badan Internasional dan Badan Ekstra Internasional Lainnya

-

-

-

-

-

-

Extra Agency International Agency and Other International

18

Kegiatan yang Belum Jelas Batasannya

12

-

-

-

-

-

Business Activities which are Not $MFBSMZ%FmOFE

19

Bukan Lapangan Usaha

-

-

-

-

-

-

Credit Recipients Non Industrial Origin

20

Lainnya Total

-

235.985

-

96.102

110.215

1.711

Others

11.554.338

1.344.057



489.335

592.399

362.769

Total

M 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN (Tabel 2.5.b) (Rp Juta) No

7DJLKDQ /Receivable

Sektor Ekonomi

(1)

(2)

M 'LVFORVXUH RI 5HFHLYDEOHV DQG $OORZDQFHV E\ (FRQRPLF6HFWRU%DQN&RQVROLGDWHG 7DEOHE  (Rp Million)

7DJLKDQ\DQJ0HQJDODPL Penurunan Nilai/ Impaired Receivables

(3)

%HOXP-DWXK 7HPSR/Non Past Due

7HODK-DWXK 7HPSR Past Due

(4)

(5)

&DGDQJDQ &DGDQJDQ kerugian kerugian SHQXUXQDQ SHQXUXQDQ QLODL &.31  QLODL &.31  ,QGLYLGXDO Kolektif $OORZDQFHIRU /Allowance for ,PSDLUPHQW Impairment /RVVHV Losses ,QGLYLGXDO Collective

(6)

(7)

(FRQRPLF6HFWRU

7DJLKDQ yang GLKDSXV buku /Claims Written off

(8)

(2)

3RVLVL7DQJJDO/DSRUDQ 1

Pertanian, Perburuan dan Kehutanan

2

Perikanan

3

Pertambangan dan Penggalian

4

Industri Pengolahan

5

Listrik, Gas dan Air

6

Konstruksi

7

Perdagangan Besar dan Eceran

8

Penyediaan Akomodasi dan Penyediaan Makan Minum

9

Transportasi, Pergudangan dan Komunikasi

3RVLWLRQ'DWH RI5HSRUW
111.114

56.762

96.585

-

13.732

$JULFXOWXUHV+XQWLQJDQG)RUHVWU\

1.598

)LVKHULHV 0LQLQJDQG4XDUU\LQJ

69.420

1.025

5.635

1.004

2.539

1.575.951

93.733

64.581

81.931

45.734

3URFHVVLQJLQGXVWU\

339.020

230

171

244

4

(OHFWULFLW\*DVDQG:DWHU

2.801.001

71.607

125.762

18.042

11.386

&RQVWUXFWLRQ

3.850.437

773.646

75.754

637.340

122.101

%LJDQG5HWDLO7UDGH

-

3URYLVLRQRI$FFRPPRGDWLRQDQG )RRG6XSSO\'ULQNLQJ

89

7UDQVSRUWDWLRQ:DUHKRXVLQJDQG &RPPXQLFDWLRQV

502.495

136.752

9.755

3.202

2.323.384

4.298

4.298

-

10

Perantara Keuangan

-

7UDQVLWLRQDO)LQDQFH

11

Real Estate, Usaha Persewaan dan Jasa Perusahaan

-

-

5HDO(VWDWH5HQWDO%XVLQHVVDQG 6HUYLFHV&RPSDQ\

12

Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib

-

-

*RYHUQPHQW$GPLQLVWUDWLRQWKH 'HIHQFHDQG&RPSXOVRU\6RFLDO Security

13

Jasa Pendidikan

14

Jasa Kesehatan dan Kegiatan Sosial

15

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

16

Jasa Perorangan yang Melayani Rumah Tangga

17

Badan Internasional dan Badan Ekstra Internasional Lainnya

-

(GXFDWLRQ6HUYLFHV

427.154

19.089

7.693

14.305

-

+HDOWKDQG6RFLDO6HUYLFHV

2.788.092

108.774

148.976

36.783

-

&RPPXQLW\6RFLRFXOWXUDO (QWHUWDLQPHQWDQG2WKHU,QGLYLGXDO 6HUYLFHV

-

-

,QGLYLGXDO6HUYLFHVZKLFK6HUYH +RXVHKROGV

-

-

([WUD$JHQF\,QWHUQDWLRQDO$JHQF\ DQG2WKHU,QWHUQDWLRQDO

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

348

MANAJEMEN RISIKO

M 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ %HUGDVDUNDQ 6HNWRU (NRQRPL ² %DQN 6HFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 2.5.b) (Rp Juta) No

7DJLKDQ /Receivable

Sektor Ekonomi

(1)

(2)

M 'LVFORVXUH RI 5HFHLYDEOHV DQG $OORZDQFHV %DVHG RQ (FRQRPLF 6HFWRU  %DQN &RQVROLGDWHG ZLWK6XEVLGLDU\ 7DEOHE (Rp Million)

7DJLKDQ\DQJ0HQJDODPL Penurunan Nilai/ Impaired Receivables

(3)

%HOXP-DWXK 7HPSR/Non Past Due

7HODK-DWXK 7HPSR Past Due

(4)

(5)

18

Kegiatan yang Belum Jelas Batasannya

19

Bukan Lapangan Usaha

20

Lainnya

58.085.260

441.056

Total

73.614.628

1.761.324

&DGDQJDQ &DGDQJDQ kerugian kerugian SHQXUXQDQ SHQXUXQDQ QLODL &.31  QLODL &.31  ,QGLYLGXDO Kolektif $OORZDQFHIRU /Allowance for ,PSDLUPHQW Impairment /RVVHV Losses ,QGLYLGXDO Collective

(6)

(7)

(8)

-



(FRQRPLF6HFWRU

7DJLKDQ yang GLKDSXV buku /Claims Written off

(2) -

%XVLQHVV$FWLYLWLHVZKLFKDUH1RW &OHDUO\'HÀQHG

-

&UHGLW5HFLSLHQWV1RQ,QGXVWULDO2ULJLQ

68.281

131.167

1.711

2WKHUV

567.668

1.020.603

198.894

3RVLVL7DQJJDO/DSRUDQ7DKXQ Sebelumnya 1

Pertanian, Perburuan dan Kehutanan

2

Perikanan

3

Pertambangan dan Penggalian

Total 3RVLWLRQ'DWHRI 5HSRUW
239.762

44.040

-

11.250

26.470

13.732

55.058

6.732

-

-

4.831

1.598

Agricultures, Hunting and Forestry Fisheries

136.627

9.493

-

3.753

3.069

2.539

Mining and Quarrying

1.475.860

124.656

-

66.321

42.340

45.734

Processing industry

361.857

137

-

240

668

4

Electricity, Gas and Water

4

Industri Pengolahan

5

Listrik, Gas dan Air

6

Konstruksi

2.161.072

104.818

-

81.536

21.616

11.386

Construction

7

Perdagangan Besar dan Eceran

4.717.611

562.488

-

103.722

316.918

183.234

Big and Retail Trade

8

Penyediaan Akomodasi dan Penyediaan Makan Minum

309.972

60.370

-

20

9.071

-

Provision of Accommodation and Food Supply Drinking

9

Transportasi, Pergudangan dan Komunikasi

388.709

16.899

-

4.558

3.698

89

Transportation, Warehousing and Communications

10

Perantara Keuangan

11

Real Estate, Usaha Persewaan dan Jasa Perusahaan

12

Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib

1.027

100

-

-

72

-

Transitional Finance

3.747.970

160.714

-

113.710

44.655

92.081

Real Estate, Rental Business, and Services Company

-

-

-

-

-

-

Government Administration, the Defence and Compulsory Social Security

102.064

4.211

-

1.152

2.916

-

Education Services

68.862

-

-

-

689

-

Health and Social Services

186.961

13.414

-

6.971

5.171

10.661

Community, Sociocultural, Entertainment and Other Individual Services

13

Jasa Pendidikan

14

Jasa Kesehatan dan Kegiatan Sosial

15

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya

16

Jasa Perorangan yang Melayani Rumah Tangga

-

-

-

-

-

-

Individual Services which Serve Households

17

Badan Internasional Dan Badan Ekstra Internasional Lainnya

-

-

-

-

-

-

Extra Agency International Agency and Other International

18

Kegiatan yang Belum Jelas Batasannya

12

-

-

-

-

-

Business Activities which are Not $MFBSMZ%FmOFE

19

Bukan Lapangan Usaha

-

-

-

-

-

-

Credit Recipients Non Industrial Origin

20

Lainnya

56.803.006

235.985

-

96.102

110.215

1.711

Others

Total

70.756.430

1.344.057



489.335

592.399

362.769

Total

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

349 RISK MANAGEMENT

N 3HQJXQJNDSDQ 5LQFLDQ 0XWDVL &DGDQJDQ .HUXJLDQ 3HQXUXQDQ 1LODL ² %DQN VHFDUD ,QGLYLGXDO 7DEHOD (Rp Juta) No

N 'LVFORVXUHRI'HWDLOVRQ0RYHPHQWVRI,PSDLUPHQW 3URYLVLRQRQ)LQDQFLDO$VVHWV &.31 %DQN2QO\ (Table 2.6.a) (Rp Million)

.HWHUDQJDQ'HVFULSWLRQ

'HVHPEHU 'HFHPEHU &.31 ,QGLYLGXDO /Allowance for Impairment Losses Individual

(1)

(2)

1

Saldo awal CKPN/Beginning Balance - Allowance for Impairment Losses

2

Pembentukan (pemulihan) CKPN pada periode berjalan (Net)/Allowance/reversal for impairment losses during the year (Net) 2.a Pembentukan CKPN pada periode berjalan/Additional allowance for Impairment Losses during the year

'HVHPEHU 'HFHPEHU

&.31.ROHNWLI /Allowance for Impairment Losses Collective

&.31 ,QGLYLGXDO /Allowance for Impairment Losses Individual

&.31.ROHNWLI /Allowance for Impairment Losses Collective

(3)

(4)

(5)

(6)

489.214

528.111

331.308

271.641

531.389

78.286

157.906

386.668

2.b Pemulihan CKPN pada periode berjalan/Reversal for impairment losses during the year

-

-

3

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan/ Allowance for impairment losses used to claims written off during the year

(43.028)

(130.198)

4

Pembentukan (pemulihan) lainnya pada periode berjalan/Other allowance / reversal during the year

6DOGR$NKLU&.31(QGLQJ%DODQFH&.31

1.020.603

O 3HQJXQJNDSDQ 5LQFLDQ 0XWDVL &DGDQJDQ .HUXJLDQ 3HQXUXQDQ 1LODL ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 2.6.b) (Rp Juta) No

489.214

528.111

O 'LVFORVXUHRI'HWDLOVRQ0RYHPHQWVRI,PSDLUPHQW 3URYLVLRQ RQ )LQDQFLDO $VVHWV &.31   %DQN &RQVROLGDWHG 7DEOHE (Rp Million)

.HWHUDQJDQ'HVFULSWLRQ

'HVHPEHU 'HFHPEHU &.31 ,QGLYLGXDO /Allowance for Impairment Losses Individual

(1)

563.369

(2)

1

Saldo awal CKPN/Beginning Balance - Allowance for Impairment Losses

2

Pembentukan (pemulihan) CKPN pada periode berjalan (Net)/Allowance/reversal for impairment losses during the year (Net) 2.a Pembentukan CKPN pada periode berjalan/Additional allowance for Impairment Losses during the year

'HVHPEHU 'HFHPEHU

&.31.ROHNWLI /Allowance for Impairment Losses Collective

&.31 ,QGLYLGXDO /Allowance for Impairment Losses Individual

&.31.ROHNWLI /Allowance for Impairment Losses Collective

(3)

(4)

(5)

(6)

489.214

530.306

331.308

274.359

531.389

191.114

157.906

386.145

2.b Pemulihan CKPN pada periode berjalan/Reversal for impairment losses during the year 3

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan/ Allowance for impairment losses used to claims written off during the year

4

Pembentukan (pemulihan) lainnya pada periode berjalan/Other allowance / reversal during the year

(58.904)

(130.198)

6DOGR$NKLU&.31(QGLQJ%DODQFH&.31

1.020.603

662.516

489.214

530.306

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

350

MANAJEMEN RISIKO

P 3HQJXQJNDSDQ 7DJLKDQ  %HUVLK %HUGDVDUNDQ .DWHJRUL3RUWRIROLRGDQ6NDOD3HULQJNDW²%DQN 6HFDUD,QGLYLGXDO 7DEHOD (Rp Juta) 'HVHPEHU'HFHPEHU 7DJLKDQ%HUVLK1HW5HFHLYDEOH

Kategori Portofolio

Peringkat Jangka Panjang/Long-term Rank

Lembaga Peringkat/ Rating Institutions 6WDQGDUGDQG3RRU·V

AAA

$$VG$$

$VG$

%%%VG%%%

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AAA

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$VG$

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Aaa

$DVG$D

$VG$

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%%% LGQ VG %%% LGQ

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>LGU@$$$

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(4)

(5)

(6)

LG%%%VGLG %%% (7)

PT Pemeringkat (1)

1 2 3 4 5 6 7 8 9 10 11 12

(2)

(3)

Tagihan Kepada Pemerintah Tagihan Kepada Entitas Sektor Publik Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Tagihan Kepada Bank Kredit Beragun Rumah Tinggal Kredit Beragun Properti Komersial Kredit Pegawai/Pensiunan Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Tagihan kepada Korporasi Tagihan yang Telah Jatuh Tempo Aset Lainnya Eksposur di Unit Usaha Syariah (apabila ada) 

Total

25.000

70.000

65.000

322.138

516.376

955.784

347.138

586.376

1.020.784



Q 3HQJXQJNDSDQ 7DJLKDQ  %HUVLK %HUGDVDUNDQ .DWHJRUL3RUWRIROLRGDQ6NDOD3HULQJNDW²%DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN (Tabel 3.1.b) (Rp Juta) 'HVHPEHU'HFHPEHU 7DJLKDQ%HUVLKNet Receivable

Kategori Portofolio

Peringkat Jangka Panjang/Long-term Rank

Lembaga Peringkat/ Rating Institutions 6WDQGDUGDQG3RRU·V

AAA

$$VG$$

$VG$

%%%VG%%%

)LWFK5DWLQJ

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$DVG$D

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%%% LGQ VG %%% LGQ

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>LGU@$$$

>LGU@$$VG >LGU@$$

>LGU@$VG>LGU@$

>LGU@%%%VG >LGU@%%%

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LG$VGLG$

LG%%%VGLG %%%

(4)

(5)

(6)

(7)

PT Pemeringkat

(1) 1 2 3 4 5 6 7 8 9 10 11 12

(2)

(3)

Tagihan Kepada Pemerintah Tagihan Kepada Entitas Sektor Publik Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Tagihan Kepada Bank Kredit Beragun Rumah Tinggal Kredit Beragun Properti Komersial Kredit Pegawai/Pensiunan Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Tagihan kepada Korporasi Tagihan yang Telah Jatuh Tempo Aset Lainnya Eksposur di Unit Usaha Syariah (apabila ada) Total

bank bjb Laporan Tahunan 2014



143.276

35.680

1.067.205

169.364

-

-

-

205.044



1.210.481



Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

351 RISK MANAGEMENT

P 'LVFORVXUH 1HW 5HFHLYDEOH E\ 3RUWIROLR &DWHJRU\ DQG5DWLQJ6FDOH%DQN2QO\ 7DEOHD (Rp Million) 'HVHPEHU'HFHPEHU 7DJLKDQ%HUVLK1HW5HFHLYDEOH Peringkat Jangka Panjang/Long-term Rank %%VG%%

%VG%

%%VG%%

%VG%

%DVG%D

%VG%

%% LGQ VG %% LGQ

% LGQ VG % LGQ

>LGU@%%VG >LGU@%%

>LGU@%VG >LGU@%

LG%%VG LG%% (8)

LG%VG LG% (9)

3RUWIROLR&DWHJRU\

3HULQJNDW-DQJND3HQGHNShort-term Rank

NXUDQJGDUL less than BNXUDQJGDUL less than% NXUDQJGDUL less than B3 NXUDQJGDUL less than % LGQ NXUDQJGDUL less than >,GU@% NXUDQJGDUL less than LG% (10)

$

$

$

)VG)

)

)

3

3

3

) LGQ VG ) LGQ

) LGQ

) LGQ

>,GU@$VG >,GU@$

>,GU@$VV >,GU@$

>,GU@$VG >,GU@$

LG$

LG$

LG$VGLG$

(11)

(12)

(13)

7DQSD3HULQJNDW without rating

NXUDQJGDUL less than$ NXUDQJGDUL less than) NXUDQJGDUL less than3 NXUDQJGDUL less than ) LGQ NXUDQJGDUL less than >,GU@$ .XUDQJGDUL less than A4 (14)

(15)

13,963,851 170.837 -

1.736.455 4.398.697

3.530.753 4.398.697 33.889.651 3.874.876

6.365.681 3.231.698













(16)

13,963,851 10.837

33.889.651 3.874.876



Total

67.471.746

6.365.681 3.231.698 69.426.044

(2)

Claims on Government/Sovereign Claims on Public Sector Entities Claims on Multilateral Development Banks and International Entities Claims on Banks Claims Secured by Residential Property Claims Secured by Commercial Real Estate Claims on Pension Loans Claims on Micro, Small, and Retail Portfolio Claims on Corporate Claims on Past Due Exposures Other Assets Sharia Exposures (if any) Total

Q 'LVFORVXUH 1HW 5HFHLYDEOH E\ 3RUWIROLR &DWHJRU\ DQG5DWLQJ6FDOH%DQN&RQVROLGDWHG 7DEOHE  (Rp Million)

'HVHPEHU'HFHPEHU 7DJLKDQ%HUVLK1HW5HFHLYDEOH Peringkat Jangka Panjang/Long-term Rank %%VG%%

%VG%

%%VG%%

%VG%

%DVG%D

%VG%

%% LGQ VG %% LGQ

% LGQ VG % LGQ

>LGU@%%VG >LGU@%%

>LGU@%VG >LGU@%

LG%%VG LG%%

LG%VG LG%

NXUDQJGDUL less than BNXUDQJGDUL less than% NXUDQJGDUL less than B3 NXUDQJGDUL less than % LGQ NXUDQJGDUL less than >,GU@% NXUDQJGDUL less than LG%

(8)

(9)

(10)

-

3RUWIROLR&DWHJRU\

3HULQJNDW-DQJND3HQGHNShort-term Rank $

$

$

)VG)

)

)

3

3

3

) LGQ VG ) LGQ

) LGQ

) LGQ

>,GU@$VG >,GU@$

>,GU@$VV >,GU@$

>,GU@$VG >,GU@$

LG$

LG$

LG$VGLG$

(11)

(12)

(13)

7DQSD3HULQJNDW without rating

NXUDQJGDUL less than$ NXUDQJGDUL less than) NXUDQJGDUL less than3 NXUDQJGDUL less than ) LGQ NXUDQJGDUL less than >,GU@$ .XUDQJGDUL less than A4

(14)

-

-

-

-

-

-

-

-











Total





(15) 14.814.898 12.877

(16) 14.814.898 191.833 -

789.144 3.891.994 29.171.479 5.172.399

2.025.713 3.891.994 29.171.479 5.172.399

(2) Claims on Government/Sovereign Claims on Public Sector Entities Claims on Multilateral Development Banks and International Entities Claims on Banks Claims Secured by Residential Property Claims Secured by Commercial Real Estate Claims on Pension Loans Claims on Micro, Small, and Retail Portfolio

6.728.326 3.102.144

6.728.326 3.102.144 -

Claims on Corporate Claims on Past Due Exposures Other Assets Sharia Exposures (if any)

63.683.261

65.098.786

Total

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

352

MANAJEMEN RISIKO

R 3HQJXQJNDSDQ 5LVLNR .UHGLW 3LKDN /DZDQ 7UDQVDNVL 5HYHUVH 5HSR ² %DQN VHFDUD ,QGLYLGXDO 7DEHOF (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio

(1)

(2)

7DJLKDQ %HUVLKNet Receivable

Nilai MRK/ MRK Value

7DJLKDQ %HUVLK 6HWHODK MRK/Net Claims after MRK

ATMR VHWHODK after MRK

(3)

(4)

(5)

(6)

1

Tagihan Kepada Pemerintah

-

-

-

-

2

Tagihan Kepada Entitas Sektor Publik

-

-

-

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

-

-

-

4

Tagihan Kepada Bank

-

-

-

-

5

Tagihan Kepada Usaha Mikro dan Portofoio Ritel

-

-

-

-

6

Tagihan Kepada Korporasi

-

-

-

-

7

Eksposur di Unit Usaha Syariah (apabila ada)

-

-

-

-

Total









S 3HQJXQJNDSDQ 5LVLNR .UHGLW 3LKDN /DZDQ 7UDQVDNVL 5HYHUVH 5HSR ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO F (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio

7DJLKDQ %HUVLKNet Receivable

(1)

(2)

7DJLKDQ %HUVLK 6HWHODK MRK/Net Claims after MRK

Nilai MRK/ MRK Value

(3)

(4)

ATMR VHWHODK after MRK

(5)

(6)

1

Tagihan Kepada Pemerintah

-

-

-

-

2

Tagihan Kepada Entitas Sektor Publik

-

-

-

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

-

-

-

4

Tagihan Kepada Bank

-

-

-

-

5

Tagihan Kepada Usaha Mikro dan Portofoio Ritel

-

-

-

-

6

Taguhan Kepada Korporasi

-

-

-

-

7

Eksposur di Unit Usaha Syariah (apabila ada)

-

-

-

-

Total









bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

353 RISK MANAGEMENT

R 'LVFORVXUH RI &RXQWHUSDUW\ &UHGLW 5LVN 5HYHUVH 5HSR 7UDQVDFWLRQV ² %DQN 2QO\ 7DEOH F  (Rp Million) 'HVHPEHU'HFHPEHU

3RUWRIROLR&DWHJRU\

7DJLKDQ %HUVLK Net Receivable

Nilai MRK/ MRK Value

7DJLKDQ %HUVLK 6HWHODK MRK/Net Receivable after MRK

ATMR VHWHODK after MRK

(7)

(8)

(9)

(10)

-

-

568.460

(2)

-

2.842

-

Claims on Government/Sovereign

-

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

568

Claims on Banks

-

Claims on Micro, Small, and Retail Portfolio

-

Claims on Corporates

-

Sharia Exposures (if any)



568.460

2.842

568

Total

S 'LVFORVXUH RI &RXQWHUSDUW\ &UHGLW 5LVN 5HYHUVH 5HSR 7UDQVDFWLRQV ² %DQN &RQVROLGDWHG 7DEOH F (Rp Million) 'HVHPEHU'HFHPEHU

3RUWRIROLR&DWHJRU\

7DJLKDQ %HUVLK Net Receivable

Nilai MRK/ MRK Value

7DJLKDQ %HUVLK 6HWHODK MRK/Net Receivable after MRK

ATMR VHWHODK after MRK

(7)

(8)

(9)

(10)

(2) -

Claims on Government/Sovereign

-

-

-

-

Claims on Public Sector Entities

-

-

-

-

Claims on Multilateral Development Banks and International Entities

2.842

568

Claims on Banks

568.460 -

-

-

-

Claims on Micro, Small, and Retail Portfolio

-

-

-

-

Claims on Corporates

-

-

-

-

Sharia Exposures (if any)

-

-

-

-

568.460



2.842

568

Total

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

354

MANAJEMEN RISIKO

T 3HQJXQJNDSDQ7DJLKDQ%HUVLK%HUGDVDUNDQ%RERW 5LVLNRVHWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL 5LVLNR.UHGLW²%DQNVHFDUD,QGLYLGXDO 7DEHOD  (Rp Juta) No.

'HVHPEHU'HFHPEHU

Kategori Portofolio

7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Net Receivable Risk Weighted after Credit Risk Mitigation Effect

(1)

(2)

A

Eksposur Neraca

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada)



















Lainnya/ Others

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

13.419.933 95.819

76.854

2.109.121

792.004 121.812

9.252

4.193.819

33.964.317 3.898.204

6.303.368

2.727.805

505.217

Total Eksposur Neraca

B

Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Eksposur di Unit Usaha Syariah (apabila ada) Total Eksposur Rekening Administratif

C

Eksposur akibat Kegagalan Pihak Lawan

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

6

Tagihan kepada Korporasi

7

220.189

930.578

71

105.598 82

1 152.296

1.258.760

75.356

-

-

-

571.302



571.302

296.146

-

-

-

-

-











Eksposur di Unit Usaha Syariah (apabila ada) 7RWDO(NVSRVXU&RXQWHUSDUW\&UHGLW5LVN

bank bjb Laporan Tahunan 2014







Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

355 RISK MANAGEMENT

T 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5LVN :HLJKWHG $IWHU &UHGLW 5LVN 0LWLJDWLRQ (IIHFW ² %DQN 2QO\ (Table 4.1.a) (Rp Million) ATMR/ RWA

'HVHPEHU'HFHPEHU

Beban 0RGDO Capital Expenses

(13)

ATMR/ RWA

Beban 0RGDO Capital Expenses

(25)

(26)

7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Net Receivable Risk Weighted after Credit Risk Mitigation Effect

(14)



















Lainnya/ Others

(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

3RUWIROLR&DWHJRU\

(2) Balance Sheet Exposure

57.591

14.814.898

-

-

-

4.607 -

-

-

-

-

-

-

-

-

-

Claims on Government / Sovereign

-

191.833

-

52.934

4.235

Claims on Public Sector Entities

-

-

-

-

Claims on Multilateral Development Banks and International Entities

714.563

57.165

-

191.329

-

1.834.384

502.547

40.204

Claims on Banks

1.933.554

154.684

-

-

-

3.891.994

1.740.852

139.268

Claims Secured by Residential Property

-

-

Claims Secured by Commercial Real Estate

16.982.159

1.358.573

-

-

-

29.171.479

14.585.740

1.166.859

Claims on Pension Loans

1.899.173

151.934

-

2.364.150

-

2.808.249

2.579.017

206.321

Claims on Micro, Small, and Retail Portfolio

4.805.121

384.410

9.027

2.511.887

-

4.207.412

4.709.789

376.783

Claims on Corporates

-

Claims on Past Due Exposures

-

505.217

40.417

3.102.144

537.702

26.897.377

2.151.790

14.823.925

5.067.366

-

-

-

-

-

-

-

45.207.495

43.016

Other Assets

-

Sharia Exposures (if any)

1.976.686

Total Balance Sheet Exposures

24.708.581

-

-

163.144

Commitment and Contingencies Liabilities Exposures on Administrative Account -

Claims on Public Sector Entities

-

-

-

-

431.349

-

-

Claims on Public Sector Entities

-

-

Claims on Multilateral Development Banks and International Entities

-

-

Claims on Micro, Small, and Retail Portfolio

-

-

Claims Secured by Residential Property

-

-

Claims Secured by Commercial Real Estate

-

-

Claims on Pension Loans

-

-

Claims on Micro, Small, and Retail Portfolio

2.039

224.252

-

224.252

163.144

568

2.039

-

-

-

-

-

-

-

655.601

-

-

224.252

Claims on Corporates

-

Claims on Past Due Exposures

-

Sharia Exposures (if any)

17.940

Total Exposures on Administrative Account

-

-

Counter party Credit Risk

-

-

Claims on Public Sector Entities

-

-

Claims on Public Sector Entities

-

-

Claims on Multilateral Development Banks and International Entities

45

Claims on Micro, Small, and Retail Portfolio

-

568

17.940

-

Claims on Micro, Small, and Retail Portfolio

-

-

Claims on Corporates

-

-

Sharia Exposures (if any)



7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

45























bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

356

MANAJEMEN RISIKO

U 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ %RERW 5LVLNR 6HWHODK 0HPSHUKLWXQJNDQ 'DPSDN 0LWLJDVL 5LVLNR .UHGLW ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 4.1.b) (Rp Juta) No.

'HVHPEHU'HFHPEHU

Kategori Portofolio

7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Net Receivable Risk Weighted after Credit Risk Mitigation Effect

(1)

(2)

A

Eksposur Neraca

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada)



















Lainnya/ Others

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

14.621.677 95.819

76.854

3.116.637

121.452 227.099

9.252

4.193.819

34.905.183 4.079.415

9.903.313

2.767.677

691.146

Total Eksposur Neraca

B

Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Eksposur di Unit Usaha Syariah (apabila ada)

220.189

930.578

71

105.598 82

1 152.296

1.258.760

75.356

Total Eksposur TRA C

Eksposur akibat Kegagalan Pihak Lawan

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

6

Tagihan kepada Korporasi

7

Eksposur di Unit Usaha Syariah (apabila ada) 7RWDO(NVSRVXU&RXQWHUSDUW\&UHGLW5LVN

bank bjb Laporan Tahunan 2014

571.302,3

424.540

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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ATMR/ RWA

(13)

'HVHPEHU'HFHPEHU

Beban 0RGDO Capital Expenses

ATMR/ RWA

Beban 0RGDO Capital Expenses

(25)

(26)

7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Net Receivable Risk Weighted after Credit Risk Mitigation Effect

(14)



















Lainnya/ Others

(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

3RUWIROLR&DWHJRU\

(2) Balance Sheet Exposure

57.591

15.690.646 191.833

52.934

4.235

Claims on Public Sector Entities

-

-

-

Claims on Multilateral Development Banks and International Entities

62.556 157.632

-

17.452.592

1.396.207

240.400

-

-

-

29.724.159

2.035.082

162.807

-

2.364.150

-

2.825.012

8.405.066

672.405

9.027

2.511.887

-

-

1.834.384

512.361

40.989

Claims on Banks

3.901.606

1.744.216

139.537

Claims Secured by Residential Property

-

-

Claims Secured by Commercial Real Estate

14.940.302

1.195.224

Claims on Pension Loans

2.593.266

207.461

Claims on Micro, Small, and Retail Portfolio

7.409.712

7.912.089

632.967

Claims on Corporates

-

-

-

-

Claims on Past Due Exposures

55.292

3.341.330

746.069

59.686

Other Assets

-

-

-

-

Sharia Exposures (if any)

2.511.507

15.699.673

5.116.437

-

-

-

-

-

-

-

49.228.036

Total Balance Sheet Exposures 28.501.237

-

Commitment and Contingencies Liabilities Exposures on Administrative Account

-

227.341

-

-

-

431.349

-

-

Claims on Public Sector Entities

-

-

-

Claims on Multilateral Development Banks and International Entities

-

-

-

Claims on Micro, Small, and Retail Portfolio

-

-

-

Claims Secured by Residential Property

-

-

-

Claims Secured by Commercial Real Estate

-

-

-

Claims on Pension Loans

-

-

-

Claims on Micro, Small, and Retail Portfolio

280.935

22.475

Claims on Corporates

-

-

Claims on Past Due Exposures

18.187

280.935

227.341

568

Claims on Public Sector Entities

-

-

Sharia Exposures (if any)

280.935

22.475

Total Exposures on Administrative Account

-

-

Claims on Public Sector Entities

-

-

Claims on Public Sector Entities

-

-

Claims on Multilateral Development Banks and International Entities

45

-

Claims on Micro, Small, and Retail Portfolio

-

-

Claims on Micro, Small, and Retail Portfolio

-

-

Claims on Corporates

-

-

Sharia Exposures (if any)



7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

18.187

-

-

-

-

-

-

-

712.284

-

-

-

568,46

Claims on Government / Sovereign

-

781.956

31.393.835

-

4.607

1.970.404

691.146

-

45

Counterparty Credit Risk























bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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'HVHPEHU'HFHPEHU

Kategori Portofolio

(1)

%DJLDQ\DQJ'LMDPLQGHQJDQPortion Secured by

7DJLKDQ %HUVLKNet Receivable

Agunan/ Collateral

Garansi/ Guarantee

Asuransi NUHGLWCredit Insurance

Lainnya Others

(3)

(4)

(5)

(6)

(7)

(2)

%DJLDQ\DQJ7LGDN 'LMDPLQUnsecured Portion      >        @

A

Eksposur Neraca

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

2.901.125

5

Kredit Beragun Rumah Tinggal

4.324.883

4.324.883

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

33.964.317

33.964.317

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

3.898.204 6.303.368

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada) Total Eksposur Neraca

13.419.933

13.419.933

172.673

-

172.673 -

344.212

2.556.913 -

-

1.862.689

2.035.515

1.872.809

4.430.559 -

3.233.022

3.233.022 -

68.217.525

-

-

4.079.710

13.419.933

50.717.882

B

Eksposur Rekening Administratif

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

4

Tagihan Kepada Bank

-

5

Kredit Beragun Rumah Tinggal

-

6

Kredit Beragun Properti Komersial

-

7

Kredit Pegawai/Pensiunan

-

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

-

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Eksposur di Unit Usaha Syariah (apabila ada)

465.289

465.289

163.144

163.144 -

Total Eksposur Rekening Administratif

628.433

-

-

-

-

628.433

C

Eksposur akibat Kegagalan Pihak Lawan

-

1

Tagihan Kepada Pemerintah

-

2

Tagihan Kepada Entitas Sektor Publik

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

4

Tagihan Kepada Bank

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

571.302

571.302 -

6

Tagihan kepada Korporasi

-

7

Eksposur di Unit Usaha Syariah (apabila ada)

-

Total Eksposure Counterparty Credit Risk

571.302

-

-

-

-

571.302

69.417.260





4.079.710

13.419.933

51.917.617

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

359 RISK MANAGEMENT

s. 'LVFORVXUH RI 1HW 5HFHLYHDEOH DQG &UHGLW 5LVN Mitigation 7HFKQLTXH  %DQN 2QO\ (Table 4.2.a) (Rp Million)

'HVHPEHU'HFHPEHU %DJLDQ\DQJ'LMDPLQGHQJDQPortion Secured by

7DJLKDQ %HUVLKNet Receivable

Agunan/ Collateral

Garansi/ Guarantee

Asuransi NUHGLWCredit Insurance

Lainnya Others

(9)

(10)

(11)

(12)

(13

3RUWIROLR&DWHJRU\ %DJLDQ\DQJ7LGDN'LMDPLQ Unsecured Portion

     >        @

(2) Balance Sheet Exposure

14.814.898

14.814.898

191.833

2.025.713

191.329

-

Claims on Government / Sovereign

191.833

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

1.834.384

Claims on Banks

3.891.994

Claims Secured by Residential Property

-

-

Claims Secured by Commercial Real Estate

29.171.479

29.171.479

Claims on Pension Loans

2.364.150

2.808.249

Claims on Micro, Small, and Retail Portfolio

2.511.887

4.207.412

Claims on Corporates

-

Claims on Past Due Exposures

3.891.994

5.172.399 6.728.326

9.027

3.102.144 65.098.786

9.027

-

5.067.366

14.814.898

3.102.144

Other Assets

-

Sharia Exposures (if any)

45.207.495

Total Balance Sheet Exposures Exposure Administrative Account

431.349

431.349

-

224.252

655.601

-

-

-

9.748.558

431.349 9.748.558

1.924.798

11.673.356

-

-

-

9.748.558

-

Claims on Public Sector Entities

-

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

-

Claims on Micro, Small, and Retail Portfolio

-

Claims Secured by Residential Property

-

Claims Secured by Commercial Real Estate

-

Claims on Pension Loans

-

Claims on Micro, Small, and Retail Portfolio

224.252

Claims on Corporates

-

Claims on Past Due Exposures

-

Sharia Exposures (if any)

224.252

Total Exposures on Administrative Account

-

Counterparty Credit Risk

-

Claims on Public Sector Entities

-

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

1.924.798

Claims on Micro, Small, and Retail Portfolio

-

Claims on Micro, Small, and Retail Portfolio

-

Claims on Corporates

-

Sharia Exposures (if any)

1.924.798

7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

77.427.743

9.027



5.067.366

24.994.805

47.356.545

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

360

MANAJEMEN RISIKO

0LWLJDVL 5LVLNR .UHGLW ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO 4.2.b) (Rp Juta) No.

'HVHPEHU'HFHPEHU

Kategori Portofolio

(1)

(2)

7DJLKDQ EHUVLKNet Receivable

%DJLDQ\DQJ'LMDPLQGHQJDQ3RUWLRQ6HFXUHGE\ Agunan/ Collateral

Garansi/ Guarantee

Asuransi NUHGLWCredit Insurance

Lainnya/ Others

(3)

(4)

(5)

(6)

(7)

%DJLDQ\DQJ7LGDN 'LMDPLQUnsecured Portion      >        @

A

Eksposur Neraca

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

3.238.089

5

Kredit Beragun Rumah Tinggal

4.430.170

4.430.170

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

34.905.183

34.905.183

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

4.079.415

1.862.689

2.216.726

9.903.313

1.872.809

8.030.504

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Aset Lainnya

12

Eksposur di Unit Usaha Syariah (apabila ada) Total Eksposur Neraca

B

14.621.677

14.621.677

172.673

172.673

-

344.212

2.893.877 -

3.458.823

3.458.823 -

74.809.343

-

-

4.079.710

-

70.729.633

Eksposur Rekening Administratif

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

4

Tagihan Kepada Bank

-

5

Kredit Beragun Rumah Tinggal

-

6

Kredit Beragun Properti Komersial

-

7

Kredit Pegawai/Pensiunan

-

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

-

9

Tagihan kepada Korporasi

10

Tagihan yang Telah Jatuh Tempo

11

Eksposur di Unit Usaha Syariah (apabila ada) Total Eksposur Rekening Administratif

C

Eksposur akibat Kegagalan Pihak Lawan

1

Tagihan Kepada Pemerintah

2

Tagihan Kepada Entitas Sektor Publik

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

6

Tagihan kepada Korporasi

7

Eksposur di Unit Usaha Syariah (apabila ada) Total Eksposure Counterparty Credit Risk 7RWDO $%&

bank bjb Laporan Tahunan 2014

465.289

465.289

227.341

227.341 -

692.630

-

-

-

-

692.630

571.302

-

-

-

-

-

76.073.275





4.079.710



71.422.263

571.302

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

361 RISK MANAGEMENT

t.

'LVFORVXUHRI1HW5HFHLYHDEOHDQG05.7HFKQLTXH %DQN&RQVROLGDWHG(Table 4.2.b) (Rp Million)

'HVHPEHU'HFHPEHU

3RUWIROLR&DWHJRU\

7DJLKDQ EHUVLKNet Receivable

%DJLDQ\DQJ'LMDPLQGHQJDQ3RUWLRQ6HFXUHGE\ Agunan/ Collateral

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(9)

(10)

(11)

(12)

(13

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     >        @

(2) Balance Sheet Exposure

15.690.646

15.690.646

191.833

2.074.784

240.400

3.901.606 29.724.159

156.444

5.189.162 9.930.626

9.027

2.511.887

3.341.330 70.044.146

9.027

-

2.908.731

15.690.646

-

Claims on Government / Sovereign

191.833

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

1.834.384

Claims on Banks

3.901.606

Claims Secured by Residential Property

-

Claims Secured by Commercial Real Estate

29.567.715

Claims on Pension Loans

5.189.162

Claims on Micro, Small, and Retail Portfolio

7.409.712

Claims on Corporates

-

Claims on Past Due Exposures

3.341.330

Other Assets

-

Sharia Exposures (if any)

51.435.742

Total Balance Sheet Exposures Exposure Administrative Account

431.349

431.349

280.935

712.284

-

-

-

431.349

-

Claims on Public Sector Entities

-

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

-

Claims on Micro, Small, and Retail Portfolio

-

Claims Secured by Residential Property

-

Claims Secured by Commercial Real Estate

-

Claims on Pension Loans

-

Claims on Micro, Small, and Retail Portfolio

280.935

Claims on Corporates

-

Claims on Past Due Exposures

-

Sharia Exposures (if any)

280.935

Total Exposures on Administrative Account

-

Claims on Public Sector Entities

Counterparty Credit Risk

-

-

-

-

-

-

Claims on Public Sector Entities

-

Claims on Multilateral Development Banks and International Entities

-

Claims on Micro, Small, and Retail Portfolio

-

Claims on Micro, Small, and Retail Portfolio

-

Claims on Corporates

-

Sharia Exposures (if any)

-

7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

70.756.430

9.027



2.908.731

16.121.995

51.716.677

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

362

MANAJEMEN RISIKO

X 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU $VHW GL 1HUDFD ² %DQN VHFDUD ,QGLYLGXDO 7DEHO  

X &DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI $VVHWV ([SRVXUHV LQ WKH %DODQFH 6KHHW ² %DQN 2QO\ (Table 6.1.1) (Rp Million)

(Rp Juta) No

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

(2)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities Tagihan Kepada Bank/Claims on Banks Kredit Beragun Rumah Tinggal/Claims Secured by Residential Property Kredit Beragun Properti Komersial/Claims Secured by Commercial Real Estate Kredit Pegawai/ Pensiunan/Claims on Pension Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio Tagihan Kepada Korporasi/Claims on Corporate Tagihan Yang Telah Jatuh Tempo/Claims on Past Due Exposures Aset Lainnya/Other Assets

2 3

4 5 6 7 8 9 10 11 Total

'HVHPEHU'HFHPEHU 7DJLKDQ ATMR ATMR %HUVLKNet sebelum VHWHODK Receivable MRK/RWA MRK/ before RWA after Credit Risk Credit Risk Mitigation Mitigation (3) (4) (5) 13.419.933

-

-

14.814.898

-

-

172.673

57.591

57.591

191.833

52.934

52.934

-

-

-

2.025.713 3.891.994

559.946 1.740.852

502.547 1.740.852

-

-

-

2.901.125 4.324.883

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

(2)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities Tagihan Kepada Bank/Claims on Banks Kredit Beragun Rumah Tinggal/Claims Secured by Residential Property Kredit Beragun Properti Komersial/Claims Secured by Commercial Real Estate Kredit Pegawai/ Pensiunan/Claims on Pension Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio Tagihan Kepada Korporasi/Claims on Corporate Tagihan Yang Telah Jatuh Tempo/Claims on Past Due Exposures Aset Lainnya/Other Assets

2 3

4 5 6 7 8 9 10 11 Total

bank bjb Laporan Tahunan 2014

817.826 1.933.554

714.563 1.933.554

33.964.317 3.898.204

16.982.159 2.923.653

16.982.159 1.899.173

29.171.479 5.172.399

14.585.740 3.879.299

14.585.740 2.579.017

6.303.368 -

6.303.368 -

4.805.121 -

6.728.326 -

6.728.326 -

4.709.789 -

3.233.022

-

505.217

3.102.144

-

537.702

68.217.525

29.018.150

26.897.377

65.098.786

27.547.096

24.708.581

Y &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI $VVHWV ([SRVXUHV LQ WKH %DODQFH 6KHHW ² %DQN &RQVROLGDWHG 7DEOH (Rp Million)

Y 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU $VHW GL 1HUDFD ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ$QDN 7DEHO (Rp Juta) No

'HVHPEHU'HFHPEHU 7DJLKDQ ATMR ATMR %HUVLKNet sebelum VHWHODK Receivable MRK/RWA MRK/ before RWA after Credit Risk Credit Risk Mitigation Mitigation (6) (7) (8)

'HVHPEHU'HFHPEHU 7DJLKDQ ATMR ATMR %HUVLKNet sebelum VHWHODK Receivable MRK/RWA MRK/ before RWA after Credit Risk Credit Risk Mitigation Mitigation (3) (4) (5) 14.621.677 172.673

3.238.089 4.430.170

57.591

885.219 1.970.404

57.591

781.955 1.970.404

'HVHPEHU'HFHPEHU 7DJLKDQ ATMR ATMR %HUVLKNet sebelum VHWHODK Receivable MRK/RWA MRK/ before RWA after Credit Risk Credit Risk Mitigation Mitigation (6) (7) (8) 15.690.646

-

-

191.833

52.934

52.934

-

-

-

2.074.784 3.901.606

569.760 1.744.216

512.361 1.744.216

-

-

-

34.905.183 4.079.415

17.452.592 3.059.561

17.452.592 2.035.082

29.724.159 5.189.162

14.862.080 3.891.872

14.940.302 2.593.266

9.903.313

9.903.313

8.405.066

9.930.626 -

9.930.626 -

7.912.089 -

691.146

3.341.330

-

746.069

33.328.679

31.393.835

70.044.146

31.051.487

28.501.237

3.458.823 74.809.342

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

363 RISK MANAGEMENT

Z 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU .HZDMLEDQ .RPLWPHQ.RQWLMHQVLSDGD7UDQVDNVL5HNHQLQJ $GPLQVWUDWLI ² %DQN VHFDUD ,QGLYLGXDO 7DEHO 6.1.2) (Rp Juta) No

(2)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities Tagihan Kepada Bank/Claims on Banks Kredit Beragun Rumah Tinggal/Claims Secured by Residential Property Kredit Beragun Properti Komersial/Claims Secured by Commercial Real Estate Kredit Pegawai/ Pensiunan/Claims on Pension Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio Tagihan Kepada Korporasi/Claims on Corporate Tagihan Yang Telah Jatuh Tempo/Claims on Past Due Exposures

2 3

4 5 6 7 8 9 10

'HVHPEHU'HFHPEHU

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

Z &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI &RPPLWPHQW&RQWLQJHQF\5HVSRQVLELOLW\([SRVXUH RQ$GPLQLVWUDWLYH$FFRXQW7UDQVDFWLRQ²%DQN2QO\ (Table 6.1.2) (Rp Million)

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

(3)

(4)

465.289

Total

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

(2)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities Tagihan Kepada Bank/Claims on Banks Kredit Beragun Rumah Tinggal/Claims Secured by Residential Property Kredit Beragun Properti Komersial/Claims Secured by Commercial Real Estate Kredit Pegawai/ Pensiunan/Claims on Pension Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio Tagihan Kepada Korporasi/Claims on Corporate Tagihan Yang Telah Jatuh Tempo/Claims on Past Due Exposures

2 3

4 5 6 7 8 9 10 Total

(5) -

-

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

(6)

(7)

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation (8)

431.349

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

163.144

163.144

163.144

224.252 -

224.252 -

224.252 -

628.433

163.144

163.144

655.601

224.252

224.252

[ &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI &RPPLWPHQW&RQWLQJHQF\ 5HVSRQVLELOLW\ ([SRVXUHRQ$GPLQLVWUDWLYH$FFRXQW7UDQVDFWLRQ² %DQN&RQVROLGDWHG 7DEOH (Rp Million)

[ 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU .HZDMLEDQ .RPLWPHQ.RQWLMHQVLSDGD7UDQVDNVL5HNHQLQJ $GPLQVWUDWLI ² %DQN VHFDUD .RQVROLGDVL GHQJDQ3HUXVDKDDQ$QDN 7DEHO (Rp Juta) No

'HVHPEHU'HFHPEHU

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

'HVHPEHU'HFHPEHU 7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

(3)

(4)

465.289

'HVHPEHU'HFHPEHU

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation (5) -

-

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

(6)

(7)

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation (8)

431.349

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

227.341

227.341

227.341

280.935 0

280.935 0

280.935 0

692.630

227.341

227.341

712.284

280.935

280.935

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

364

MANAJEMEN RISIKO

\ 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU \DQJ 0HQLPEXONDQ 5LVLNR .UHGLW $NLEDW .HJDJDODQ 3LKDN/DZDQ Counterparty Credit Risk ²%DQN VHFDUD,QGLYLGXDO 7DEHO (Rp Juta) No

'HVHPEHU'HFHPEHU

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

\ &DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVN XVLQJ6WDQGDUG$SSURDFK'LVFORVXUHRI([SRVXUH 5HVXOWLQJ LQ &UHGLW 5LVN 'XH WR &RXQWHUSDUW\ )DLOXUH &RXQWHUSDUW\ &UHGLW 5LVN  ² %DQN 2QO\ (Table 6.1.3) (Rp Million) 'HVHPEHU'HFHPEHU

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

(3)

(4)

(5)

(6)

(7)

(8)

(2)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign

0

0

0

-

-

-

2

Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities

0

0

0

-

-

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities

0

0

0

-

-

-

4

Tagihan Kepada Bank/Claims on Banks

571.302,3

114.260.46

568,46

-

-

-

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio

0

0

0

-

-

-

6

Tagihan Kepada Korporasi/Claims on Corporate Total

0

0

0

-

-

-

571.302.3

114.260,46

568,46







] &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI ([SRVXUH 5HVXOWLQJ LQ &UHGLW 5LVN 'XH WR &RXQWHUSDUW\)DLOXUH &RXQWHUSDUW\&UHGLW5LVN ² %DQN&RQVROLGDWHG 7DEOH (Rp Million)

] 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU \DQJ 0HQLPEXONDQ 5LVLNR .UHGLW $NLEDW .HJDJDODQ 3LKDN/DZDQ Counterparty Credit Risk ²%DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN (Tabel 6.2.3) (Rp Juta) No

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

(2)

'HVHPEHU'HFHPEHU

'HVHPEHU'HFHPEHU

7DJLKDQ %HUVLKNet Receivable

ATMR sebelum MRK/RWA before Credit Risk Mitigation

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

7DJLKDQ %HUVLKNet Receivable

(3)

(4)

(5)

(6)

ATMR sebelum MRK/RWA before Credit Risk Mitigation

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

(7)

(8)

1

Tagihan Kepada Pemerintah/Claims on Government/ Sovereign

0

0

0

-

-

-

2

Tagihan Kepada Entitas Sektor Publik/Claims on Public Sector Entities

0

0

0

-

-

-

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/Claims on Multilateral Development Banks and International Entities

0

0

0

-

-

-

4

Tagihan Kepada Bank/Claims on Banks

571.302,3

114.260,46

568,46

-

-

-

5

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/Claims on Micro, Small, and Retail Portfolio

0

0

0

-

-

-

6

Tagihan Kepada Korporasi/Claims on Corporate Total

bank bjb Laporan Tahunan 2014

0

0

0

-

-

-

571302,3

114260,46

568,46







Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

365 RISK MANAGEMENT

DD 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU
1

2

'HVHPEHU'HFHPEHU

Kategori Portofolio/3RUWIROLR&DWHJRU\

(1)

DD &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI &UHGLW 5LVN ([SRVXUH 5HVXOWLQJ LQ &UHGLW 5LVN 'XH WR 6HWWOHPHQW )DLOXUH 6HWWOHPHQW 5LVN  ² %DQN 2QO\ (Table 6.1.4) (Rp Million) 'HVHPEHU'HFHPEHU

Nilai (NVSRVXU Exposure value

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

Nilai (NVSRVXU Exposure value

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

(3)

(4)

(5)

(6)

(7)

(8)

(2) Delivery versus payment

0

0

0

0

0

0

a. Beban Modal 8% (5-15 hari)/Capital Expenses 8%(5-15 days)

0

0

0

0

0

0

b. Beban Modal 50% (16-30 hari)/Capital Expenses 50%(16-30 days)

0

0

0

0

0

0

c. Beban Modal 75% (31-45 hari)/Capital Expenses 75%(31-45 days)

0

0

0

0

0

0

d. Beban Modal 100% (lebih dari 45 hari)/Capital Expenses 100%(more than 45 days)

0

0

0

0

0

0

Non-Delivery versus payment

0

0

0

0

0

0

Total

EE&DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUH RI &UHGLW 5LVN ([SRVXUH 5HVXOWLQJ LQ &UHGLW 5LVN 'XH WR 6HWWOHPHQW )DLOXUH 6HWWOHPHQW 5LVN  ² %DQN &RQVROLGDWHG 7DEOH (Rp Million)

EE3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU
Kategori Portofolio/3RUWIROLR&DWHJRU\

(1) 1

2

(2)

'HVHPEHU'HFHPEHU

'HVHPEHU'HFHPEHU

Nilai (NVSRVXU Exposure value

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

Nilai (NVSRVXU Exposure value

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR VHWHODK MRK/ RWA after Credit Risk Mitigation

(3)

(4)

(5)

(6)

(7)

(8)

Delivery versus payment

0

0

0

0

0

0

a. Beban Modal 8% (5-15 hari)/Capital Expenses 8%(5-15 days)

0

0

0

0

0

0

b. Beban Modal 50% (16-30 hari)/Capital Expenses 50%(16-30 days)

0

0

0

0

0

0

c. Beban Modal 75% (31-45 hari)/Capital Expenses 75%(31-45 days)

0

0

0

0

0

0

d. Beban Modal 100% (lebih dari 45 hari)/Capital Expenses 100%(more than 45 days)

0

0

0

0

0

0

Non-Delivery versus payment

0

0

0

0

0

0

Total

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

366

MANAJEMEN RISIKO

FF 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU3HQJXQJNDSDQ(NVSRVXU6HNXULWLVDVL ²%DQNVHFDUD,QGLYLGXDO 7DEHO (Rp Juta)

FF &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUHV RI 6HFXULWL]DWLRQ ([SRVXUH ² %DQN 2QO\ (Table 6.1.5) (Rp Million)

'HVHPEHU 'HFHPEHU

No Jenis Transaksi

(1)

(2)

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(3)

(4)

'HVHPEHU 'HFHPEHU )DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(5)

(6)

7\SHRI7UDQVDFWLRQ

(2)

1

Fasilitas Kredit Pendukung yang memenuhi persyaratan

0

0

0

0

Credit Enhancement facility that meets the requirements

2

Fasilitas Kredit Pendukung yang tidak memenuhi persyaratan

0

0

0

0

Credit Enhancement Facility does not meet the requirements

3

Fasilitas Likuiditas Pendukung yang memenuhi persyaratan

0

0

0

0

Liquidity Support Facility that meets the requirements

4

Fasilitas Likuiditas Pendukung yang tidak memenuhi persyaratan

0

0

0

0

Liquidity Support Facilities that do not meet the requirements

5

Pembelian Efek Beragam Aset yang memenuhi persyaratan

0

0

0

0

Various Securities Purchase Assets eligible

6

Pembelian Efek Beragam Aset yang tidak memenuhi persyaratan

0

0

0

0

Various Securities Purchase Assets that do not meet the requirements

7

Eksposur Sekuritas yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset bagi bank umum

0

0

0

0

Exposure securities that are not included in the Bank Indonesia regulations concerning the principles of prudence in asset securitization for banks

0

0

0

0

Total

Total

GG3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU3HQJXQJNDSDQ(NVSRVXU6HNXULWLVDVL ²%DQNVHFDUD.RQVROLGDVLGHQJDQ3HUXVDKDDQ Anak (Tabel 6.2.5) (Rp Juta)

GG&DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUHV RI 6HFXULWL]DWLRQ ([SRVXUH ² %DQN &RQVROLGDWHG (Table 6.2.5) (Rp Million)

'HVHPEHU 'HFHPEHU

No Jenis Transaksi

(1)

(2)

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(3)

(4)

'HVHPEHU 'HFHPEHU )DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(5)

(6)

7\SHRI7UDQVDFWLRQ

(2)

1

Fasilitas Kredit Pendukung yang memenuhi persyaratan

0

0

0

0

Credit Enhancement facility that meets the requirements

2

Fasilitas Kredit Pendukung yang tidak memenuhi persyaratan

0

0

0

0

Credit Enhancement Facility does not meet the requirements

3

Fasilitas Likuiditas Pendukung yang memenuhi persyaratan

0

0

0

0

Liquidity Support Facility that meets the requirements

4

Fasilitas Likuiditas Pendukung yang tidak memenuhi persyaratan

0

0

0

0

Liquidity Support Facilities that do not meet the requirements

5

Pembelian Efek Beragam Aset yang memenuhi persyaratan

0

0

0

0

Various Securities Purchase Assets eligible

6

Pembelian Efek Beragam Aset yang tidak memenuhi persyaratan

0

0

0

0

Various Securities Purchase Assets that do not meet the requirements

7

Eksposur Sekuritas yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset bagi bank umum

0

0

0

0

Exposure securities that are not included in the Bank Indonesia regulations concerning the principles of prudence in asset securitization for banks

0

0

0

0

Total

Total

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

367 RISK MANAGEMENT

HH 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU GL 8QLW 8VDKD6\DULDK²%DQNVHFDUD,QGLYLGXDO 7DEHO 6.1.6) (Rp Juta) No

HH &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUHV RI ([SRVXUH LQ 6KDULD 'LYLVLRQ ² %DQN 2QO\ 7DEOH 6.1.6) (Rp Million)

'HVHPEHU 'HFHPEHU

Jenis Transaksi

(1)

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(3)

(4)

(5)

(6)

(2)

7RWDO(NVSRVXU

0

0

II 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ (NVSRVXU GL 8QLW 8VDKD 6\DULDK ² %DQN VHFDUD .RQVROLGDVL GHQJDQ3HUXVDKDDQ$QDN 7DEHO (Rp Juta) No

(2)

7RWDO(NVSRVXU

)DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(3)

(4) 0

JJ3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ 7RWDO 3HQJXNXUDQ 5LVLNR .UHGLW ² %DQN VHFDUD ,QGLYLGXDO 7DEHO 6.1.7) (Rp Juta)

7\SHRI7UDQVDFWLRQ

(2)

0

7RWDO([SRVXUH

0

II &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW 5LVN XVLQJ 6WDQGDUG $SSURDFK 'LVFORVXUHV RI ([SRVXUHLQ6KDULD'LYLVLRQ²%DQN&RQVROLGDWHG (Table 6.2.6) (Rp Million)

'HVHPEHU 'HFHPEHU

Jenis Transaksi

(1)

'HVHPEHU 'HFHPEHU

'HVHPEHU 'HFHPEHU )DNWRU Pengurang 0RGDO,QWL Core Capital Deduction

ATMR/ RWA

(5)

(6)

0

0

7\SHRI7UDQVDFWLRQ

(2) 0

7RWDO([SRVXUH

JJ&DOFXODWLRQ RI &UHGLW 5LVN :HLJKWHG $VVHWV 6WDQGDUG $SSURDFK  'LVFORVXUH RI 7RWDO &UHGLW 5LVN 0HDVXUHPHQW  %DQN 2QO\  7DEOH   (Rp Million)

'HVHPEHU'HFHPEHU 7RWDO$7055LVLNR.UHGLW 7RWDO)DNWRU3HQJXUDQJ0RGDO

KK3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ 6WDQGDU 3HQJXQJNDSDQ 7RWDO 3HQJXNXUDQ 5LVLNR .UHGLW ² %DQN VHFDUD .RQVROLGDVL GHQJDQ3HUXVDKDDQ$QDN 7DEHO (Rp Juta)

27.061.089

7RWDO5:$&UHGLW5LVNV



&RUH&DSLWDO'HGXFWLRQ

KK&DOFXODWLRQ RI &UHGLW 5LVN :HLJKWHG $VVHWV 6WDQGDUG $SSURDFK  'LVFORVXUH RI 7RWDO &UHGLW 5LVN 0HDVXUHPHQW  %DQN &RQVROLGDWHG 7DEOH 6.2.7) (Rp Million)

'HVHPEHU'HFHPEHU 7RWDO$7055LVLNR.UHGLW 7RWDO)DNWRU3HQJXUDQJ0RGDO

31.621.745

7RWDO5:$&UHGLW5LVNV



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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

368

MANAJEMEN RISIKO

B. Risiko Pasar

B. Market Risk

Risiko Pasar adalah Risiko yang timbul atas portofolio pada posisi neraca dan rekening administratif termasuk transaksi derivatif, akibat perubahan secara keseluruhan dari kondisi pasar, termasuk Risiko perubahan harga option.

Market risk is the risk arising on the portfolio over the balance sheet position and administrative accounts including derivative transactions, due to overall changes in the market conditions, including the risk of price changes in option.

Komponen risiko pasar meliputi : • Risiko Suku Bunga adalah risiko akibat perubahan harga instrumen keuangan dari posisi Trading Book yang disebabkan oleh pergerakan sensitivitas risiko (risk factor) pada setiap instrumen atau akibat perubahan nilai ekonomis modal (Economic Value of Equity) bank dari aktivitas Banking Book yang disebabkan oleh perubahan suku bunga. t ,MBTJmLBTJSJTJLPTVLVCVOHBNFODBLVQQVMBSJTJLP suku bunga dari posisi Banking Book yang antara lain meliputi repricing risk, yield curve risk, basis risk, dan optionality risk. • Risiko Nilai Tukar adalah risiko akibat perubahan OJMBJQPTJTJUFSCVLBWBMVUBBTJOHLMBTJmLBTJTrading Book atau akibat perubahan posisi Devisa Neto bank (Banking Book) yang disebabkan oleh perubahan nilai tukar valuta asing.

The components of the market risk include: • Interest rate risk is the risk due to changes in the QSJDF PG mOBODJBM JOTUSVNFOUT GSPN UIF 5SBEJOH Book position caused by the risk factor movements on any instrument or as a result of changes in the Economic Value of Equity of the bank from Banking Book activities caused by changes in interest rates. t $MBTTJmDBUJPOPGJOUFSFTUSBUFSJTLBMTPJODMVEFTUIF risk of interest rate from the Banking Book positions which include repricing risk, yield curve risk, basis risk, and optionality risk. • Foreign Exchange Risk is the risk due to changes in UIF5SBEJOH#PPLDMBTTJmDBUJPOPQFOQPTJUJPOWBMVF of foreign exchange or as a result of changes in the Net Open Position of the bank (Banking Book) caused by changes in foreign currency exchange rates.

Risiko pasar timbul dari pergerakan/perubahan tingkat suku bunga dan/atau nilai tukar yang mempengaruhi posisi keuangan bank khususnya terhadap rasio permodalan. Secara garis besar, manajemen risiko pasar terbagi menjadi 2 (dua) yaitu manajamen risiko pasar trading book dan manajemen risiko pasar banking book. Sumber risiko pasar trading book timbul dari aktivitas Dealing Room Divisi Treasuri akibat posisi terbuka bank yang terekspos pergerakan suku bunga atau nilai tukar valuta asing.

The market risk arises from movements/ changes in interest rates and/or exchange rates which affect the CBOLT mOBODJBM QPTJUJPO  QBSUJDVMBSMZ UP DBQJUBM SBUJP In general, market risk management is divided into 2 (two), namely the trading book market risk management and banking book market risk management. Sources of trading book market risk arises from Dealing Room book activities’ of the Treasury Division due to the open positions of bank that are exposed to movements in interest rates or foreign exchange rates.

Sumber risiko pasar banking book timbul antara lain disebabkan oleh perubahan stuktur portofolio neraca dan rekening adminstratif bank yang sensitif terhadap pergerakan suku bunga sehingga berdampak terhadap pendapatan bunga bersih dan yang yang disebabkan pula karena perubahan struktur portofolio neraca dan rekening adminstratif bank yang sensitif terhadap pergerakan nilaii tukar yang tercermin dari Posisi Devisa Neto bank.

Sources of banking book market risk arises partly due to the changes in the portfolio structure of the bank’s balance sheets and administrative accounts that are sensitive to interest rate movements impacting the net interest income and which are also due to changes in the portfolio structure of the bank’s balance sheets and administrative accounts that are sensitive to NPWFNFOUTJOFYDIBOHFSBUFTXIJDIJTSFnFDUFEJOUIF Net Open Position of bank.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

369 RISK MANAGEMENT

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Dewan Komisaris dan Direksi bertanggungjawab atas efektivitas penerapan Manajemen Risiko Pasar di Bank. Terkait wewenang dan tanggung jawab pengawasan aktif Dewan Komisaris dan Direksi bank bjb, Dewan Komisaris dan Direksi selalu memperoleh informasi yang jelas mengenai evaluasi dan penerapan manajemen risiko eksposur risiko pasar, pemantauan limit secara harian serta langkah-langkah yang diambil oleh Risk Taking Unit khususnya terkait adanya pelampauan limit.

 $FWLYH6XSHUYLVLRQE\WKH%RDUGRI&RPPLVVLRQHUV DQGWKH%RDUGRI'LUHFWRUV The Board of Commissioners and the Board of Directors are responsible for the effective implementation of the Bank’s Market Risk Management. In relations to the active supervision authority and responsibility of the Board of Commissioners and Board of Directors of bank bjb, the Board of Commissioners and the Board of Directors always obtain clear information on the evaluation and implementation of risk management of market risk exposure, supervision of limit on a daily basis as well as steps employed by the Risk Taking 6OJUTQFDJmDBMMZSFMBUFEUPUIFMFOEJOHMJNJU

Dalam pelaksanaan pengawasannya, Dewan Komisaris dibantu oleh Komite Pemantau Risiko (KPR) bank secara berkala melakukan pengawasan melalui koordinasi dengan Satuan Kerja Manajemen Risiko. Media koordinasi yang digunakan dapat berupa laporan pemantauan risiko oleh SKMR yang disampaikan kepada Komite Pemantau Risiko ataupun melalui media rapat antara kedua belah pihak. Pada implementasinya, Pelaksanaan rapat yang diadakan umumnya membahas penerapan manajemen risiko di bank bjb menyangkut diantaranya penerapan pengukuran risk tolerance SJTJLPQBTBS QFNCBIBTBOQSPmMSJTJLPZBOHCFSTJGBU material, serta kecukupan dan evaluasi metodologi dan/atau tools pengukuran risiko pasar yang dipergunakan Satuan Kerja Manajemen Risiko.

In the implementation of its supervision, the Board of Commissioners is assisted by the bank’s Risk Monitoring Committee (RMC) periodically conduct supervision in coordination with the Risk Management Unit. The coordination media utilized can be in the form of risk monitoring reports by SKMR submitted to the Risk Monitoring Committee or through the media of meetings between the two parties. In its implementation, the meeting implemented generally discusses the implementation of risk management in bank bjb, concerning among others, the application of market risk measurement of risk tolerance, material SJTL QSPmMF EJTDVTTJPO  BT XFMM BT UIF BEFRVBDZ BOE evaluation of methodologies and/or market risk measurement tools used by the Risk Management Unit.

Pengawasan yang dilakukan oleh Direksi adalah melalui pemantauan penerapan limit Treasury secara berkala baik terjadi pelampauan limit (breach limit) maupun tidak terjadi pelampauan limit, dan melakukan persetujuan atas limit yang bersifat baru ataupun setelah dilakukan perubahan. Pembahasan tentang pengelolaan risiko pasar terkait penentuan tingkat suku bunga (pricing) dan struktur aset & kewajiban bank dilakukan dalam Rapat ALCO (Asset & Liability Committee) sedangkan pembahasan eksposur risiko pasar dibahas dalam rapat Komite Manajemen Risiko (Risk Management Committee). Sejalan dengan kebijakan manajemen risiko pasar

Supervision carried out by the Board of Directors is through the monitoring of the implementation of the Treasury limit periodically in the event of breach limit occurrences or not, and provide limit approval that are new or after being amended. Discussions on the management of the market risk related to interest rate determination (pricing) and the structure of the bank’s assets and liabilities are carried at the ALCO (Asset & Liability Committee) Meeting, while discussions on the market risk exposures are discussed in the Risk Management Committee meetings. In line with the market risk management policies regarding the stages of escalation of limit breach, any limit breaches will be informed and approved in the event of abnormal

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

370

MANAJEMEN RISIKO

mengenai tahapan eskalasi pelampauan limit, setiap pelampauan limit akan diinformasikan dan disetujui apabila terjadi kondisi abnormal dalam Komite Manajemen Risiko (RMC). Pengelolaan risiko pasar tersebut disusun ke dalam bentuk kebijakan, prosedur, limit risiko dan hasil keputusan lainnya terkait dengan pengelolaan risiko pasar. Limit risiko pasar dan risk appetite bank dievaluasi secara periodik atau sewaktuwaktu diperlukan untuk dilakukan evaluasi sesuai dengan perubahan lingkungan bisnis bank.

conditions in the Risk Management Committee (RMC). The management of the market risk is arranged in the form of policies, procedures, risk limits, and other decision results relating to the management of market risk. The limit of the bank’s market risk and risk appetite are evaluated periodically or at any time deemed needed to be evaluated in accordance with the bank’s changing business environment.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Sebagai penerapan manajemen risiko pasar yang bersifat dinamis, Satuan Kerja Manajemen Risiko bank melakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank secara berkala. Evaluasi pedoman pengukuran limit risiko pasar oleh Satuan Kerja Manajemen Risiko secara berkala dan dilakukan pembahasan dengan risk taking unit (Divisi Treasury) dan selanjutnya akan diajukan kepada Direksi untuk persetujuan atas pedoman dimaksud.

 $GHTXDF\RI3ROLF\3URFHGXUHDQG(VWDEOLVKPHQW of Limit As an application of a dynamic market risk management, the Risk Management Unit of the bank periodically updates and evaluates the policies and guidelines of the bank’s risk management. The evaluation of the market risk limit measurement guidelines by the Risk Management Unit are conducted periodically and discussions with the risk taking unit (Treasury Division) are subsequently submitted to the Board of Directors for the approval of the intended guidelines.

Terkait dengan evaluasi penetapan limit Dealing Room Treasury dan ALM yang diajukan oleh Divisi Treasury, Satuan Kerja Manajemen Risiko melakukan evaluasi terhadap limit tersebut dengan metodologi yang telah disahkan dalam pedoman manajemen risiko bank. Limit untuk level portofolio treasury dievaluasi minimal satu tahun sekali atau dapat dilakukan lebih sering jika terdapat pergerakan volatilitas harga pasar atau perubahan business plan risk taking unit. Evaluasi analisa tersebut sekurang-kurangnya memuat informasi mengenai latar belakang perubahan limit, kondisi saat ini, dasar perhitungan dalam melakukan perubahan limit, kepatuhan terhadap regulasi dan dampak terhadap modal.

Related to the Dealing Room Treasury and ALM limit determination evaluation submitted by the Treasury Division, the Risk Management Unit evaluates the limits through methodologies that has been validated in the bank’s risk management guidelines. The limit for treasury portfolio level is evaluated at least once a year or can be carried out more frequently in the event of market price volatile movements or changes in the business plan of the risk taking unit. The analysis evaluation shall at least contain background information about limit changes, current conditions, the basis of calculations in conducting limit changes, compliance to the regulations and the impacts to the capital.

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam melakukan penerapan Manajemen 3JTJLP NFMBMVJ QSPTFT JEFOUJmLBTJ  QFOHVLVSBO 

 $GHTXDF\RI,GHQWLÀFDWLRQ3URFHVV0HDVXUHPHQW 0RQLWRULQJ DQG 5LVN &RQWURO DV ZHOO DV WKH 5LVN Management Information System In conducting the implementation of Risk Management UISPVHI UIF QSPDFTT PG JEFOUJmDBUJPO  NFBTVSFNFOU 

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

371 RISK MANAGEMENT

pemantauan, dan pengendalian Risiko, serta sistem informasi Manajemen Risiko untuk Risiko Pasar sebagaimana Surat Edaran Bank Indonesia Nomor 13/23/DPNP tanggal 25 Oktober 2011, Bank melakukan penerapan manajemen risiko yaitu:

monitoring, and controlling risks, as well as the Risk Management information system for the Market Risk as stipulated in Bank Indonesia Circular Letter No. 13/23/ DPNP dated 25 October 2011, the Bank implements the risk management, namely:

D ,GHQWLÀNDVL5LVLNR3DVDU  1SPTFT JEFOUJmLBTJ SJTJLP QBTBS NFMJQVUJ JEFOUJmLBTJ EBSJ LBSBLUFSJTUJL QSPEVL CBSV  JEFOUJmLBTJ TVNCFS SJTJLP QBTBS ZBOH EBQBU berdampak kepada transaksi yang akan dilakukan oleh Dealing Room Treasury. Proses JEFOUJmLBTJ 3JTJLP ZBOH EJTFTVBJLBO EFOHBO Risiko Pasar melekat pada aktivitas bisnis Bank yang meliputi risiko suku bunga antara lain repricing risk, yield curve risk, basis risk, dan optionality risk dan untuk risiko nilai tukar antara lain tercermin dari besarnya eksposur transaksional. Satuan Kerja Manajemen Risiko juga melakukan review atau evaluasi atas produk maupun aktivitas yang terekspos pengaruh pergerakan variabel pasar.

D 0DUNHW5LVN,GHQWLÀFDWLRQ  5IF NBSLFU SJTL JEFOUJmDBUJPO QSPDFTT JODMVEFT UIF JEFOUJmDBUJPO PG OFX QSPEVDU DIBSBDUFSJTUJDT  JEFOUJmDBUJPO PG TPVSDFT PG NBSLFU SJTL UIBU NBZ affect the transactions that will be conducted by UIF%FBMJOH3PPN5SFBTVSZ5IFSJTLJEFOUJmDBUJPO process that are adapted to the Market Risks is inherent in the Bank’s business activities which includes in the interest rates risk, among others, repricing risk, yield curve risk, basis risk and optionality risk and for foreign exchange risk BSF BNPOH PUIFST BT SFnFDUFE JO UIF BNPVOU PG transactional exposure. The Risk Management Unit also conducts reviews or evaluations on products PS BDUJWJUJFT UIBU BSF FYQPTFE UP UIF JOnVFODF PG movements in market variables.

b. Pengukuran Risiko Pasar Pengelolaan portofolio Divisi Treasuri tanpa adanya dasar pertimbangan dan penilaian risiko akan mengakibatkan kerugian di atas toleransi bank dalam menyerap kerugian. Salah satu cara dalam menanggulangi kejadian risiko yang dapat menyebabkan kerugian di atas toleransi risiko bank adalah penggunaan toleransi risiko atau limit transaksi yang diperkenankan manajemen bank. Pengajuan limit oleh Divisi Treasuri sebagai risk taking unit harus mendapatkan kajian risiko secara terukur oleh Divisi Manajemen Risiko. Pengajuan limit ini bertujuan untuk mempermudah Manajemen bank bjb dalam memahami risiko yang dihadapi serta pengelolaan risikonya.

b. Market Risk Assessment The portfolio management of the Treasury Division with no consideration basis nor risk assessments will result in the loss of tolerance of the bank to absorb losses. One way to inhibit risk occurrences that may cause harm to the bank’s risk tolerance is the application of risk tolerance or limit transactions that are allowed by the management of the bank. The limit application by the Treasury Division as the risk taking unit must obtain a measured risk assessment by the Risk Management Division. The limit application is intended to facilitate the management of bank bjb in understanding risk as well as its management.

Pengajuan limit harus meliputi kriteria-kriteria sebagai berikut: Divisi Treasuri sebagai risk taking unit menerapkan “trading” dan “hedging” secara berkala sebagai bagian dari proses

The limit application must include the following criteria: The Treasury Division as the risk taking unit implements “trading” and “hedging” on a regular basis as part of the Treasury business management

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

372

MANAJEMEN RISIKO

pengelolaan bisnis Treasury khususnya bidang Treasury Trading. Pada konteks limit berbasis risiko ini, yang ditentukan adalah limit yang berkaitan dengan aktivitas Treasury. Dalam proses penerapan limit dilakukan usaha pendekatan dimana terdapat komponenkomponen yang mendukung diantaranya:

QSPDFTTQBSUJDVMBSMZJOUIF5SFBTVSZ5SBEJOHmFME*O this risk-based limit context, the limit set is related to Treasury activities. In the limit implementation process, approaches are conducted to the supporting components, among others:

a. Rencana Bisnis • Rencana bisnis harus secara luas mencantumkan tujuan dari limit yang diminta, target pasar, pendapatan yang diharapkan dan kebutuhan akan modal. Rencana tersebut harus NFOHLVBMJmLBTJLBO DBSB CBHBJNBOB limit tersebut akan dipergunakan, contoh “trading” atau “hedging”. t "QMJLBTJ MJNJU IBSVT NFOHJEFOUJmLBTJ NBUB VBOH EBO QBTBS TQFTJmL ZBOH menjadi eksposur terhadap tujuan unit bisnis. b. Persyaratan Modal dan Proyeksi Pendapatan • Divisi Treasuri meminta masukan dari Divisi Manajemen Risiko dalam mengukur alokasi modal yang harus disediakan dalam memitigasi potensi kerugian yang akan timbul. • Divisi Treasuri harus memberikan proyeksi pendapatan yang berhubungan dengan aplikasi limit. Proyeksi tersebut akan memudahkan Direksi dalam proses pengambilan keputusan persetujuan limit. F 3HQJJXQDDQKLVWRULV Divisi Treasuri dapat memberikan analisa trend market outlook dengan penggunaan historis yang ada atas eksposur risiko atau limit yang akan diterapkan.

a. Business Plan • The business plan must broadly states the purpose of the requested limit, the target market, expected revenues and the required capital. The plan must qualify how the limit will be utilized, such as “trading” or “hedging”. t 5IFMJNJUBQQMJDBUJPONVTUJEFOUJGZBTQFDJmD currency and market becoming exposures to the business unit’s objectives. E &DSLWDO5HTXLUHPHQWDQG3URMHFWHG5HYHQXHV • The Treasury Division requests input from the Risk Management Division in measuring the capital allocation that should be provided to mitigate potential losses that may arise. • The Treasury Division must provide the projected revenues associated with the limit application. The projections will facilitate the Board of Directors in the decision-making process of limit approval. F 7KH8VHRI+LVWRULFDO The Treasury Division can provide the market outlook trend analysis with the use of existing historic on risk exposures or limit which will be implemented.

Prosedur kerja pengukuran limit unit bisnis Treasuri mempertimbangkan beberapa aspek yang dinilai cukup berpotensial dalam menimbulkan kejadian risiko. Komponen yang mendasari pengukuran limit ini adalah:

The Treasury business unit limit measurement working procedures consider several aspects that are assessed to have the potentials of risk occurrences. Underlying components in the measurement of limit are namely:

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

373 RISK MANAGEMENT

D )DNWRU6HQVLWLYLWDV5LVLNR3DVDU Setiap aktivitas Treasuri terdapat risiko yang melekat (risk inherent) dimana proses dalam pengukuran risiko harus didasarkan pada sensitivitas risiko yang melekat pada aktivitas transaksi Treasuri. Faktor sensitivitas risiko pasar meliputi yaitu PV01, Duration, Vega, Gamma, Theta, Rho, dan volatilitas transaksi. E .HFXNXSDQ'DWD Kecukupan data diperlukan sebagai kecukupan prosedur analisis statistik dan agar analisis pengukuran terhadap risiko menghasilkan output yang memadai dan sesuai dengan eksposur risiko yang dihadapi oleh bank. Data yang diperlukan adalah data historis yang dibutuhkan guna memperkuat suatu analisis pengukuran limit risiko. F 3HQJXNXUDQValue at Risk Model Value at Risk tersebut dipergunakan dalam mengukur dan menganalisa risiko transaksi Treasuri secara komprehensif dan terukur. Misalnya, penggunaan VaR (value at risk) untuk mengukur kerugian/budget loss atas aktivitas transaksi Treasury trading selain itu kegunaan model ini juga dapat mengukur perkiraan kerugian terburuk yang dapat dialami Bank dalam selang waktu tertentu pada kondisi pasar yang normal dan tingkat kepercayaan tertentu.

D 0DUNHW5LVN6HQVLWLYLW\)DFWRU There are inherent risk in each Treasury activities in which the process of risk assessment shall be based on the sensitivity of the inherent risk in the Treasury transaction activities. The market risk sensitivity factors include PV01, Duration, Vega, Gamma, Theta, Rho, and transaction volatility. E $GHTXDF\RI'DWD Data adequacy is required as a statistic analysis procedure adequacy and to ensure the risk assessment analysis generates adequate output and in accordance with the risk exposure faced by the bank. The data required is historical data needed to strengthen a measurement analysis of risk limit. c. Value at Risk Assessment The Value at Risk model is used in measuring and analyzing the Treasury’s transaction risks in a comprehensive and measurable manner. For example, the use of VaR (value at risk) to measure budget loss over the Treasury trading transaction BDUJWJUJFT JO BEEJUJPO UIF CFOFmU PG UIJT model can also measure the expected worst loss caused to the Bank in a certain time interval in normal market conditions BOEBDFSUBJODPOmEFODFMFWFM

Beberapa strategi pengelolaan risiko pasar yang dilakukan bank bjb adalah mencakup sistem dan prosedur dengan menggunakan teknik Mark To Market, Value at Risk (VaR), Stress Testing, Repricing Gap & Duration Gap Model atau metoda lain yang sesuai untuk mendapatkan nilai wajar eksposur secara berkala, sekaligus merupakan platform yang tepat untuk menilai posisi risiko.

Several market risk management strategies conducted by bank bjb include systems and procedures through the utilization of Mark To Market, Value at Risk (VaR), Stress Testing, Repricing Gap and Duration Gap Model techniques or other appropriate methods to obtain a fair exposure value on a regular basis, as well as an accurate platform to assess the risk position.

Pada saat ini bank bjb menerapkan metode yang mampu mengukur risiko terhadap nilai tukar yaitu dengan menggunakan Model Nilai Tukar VaR EWMA (Exponential Weighted Moving Average)

Currently bank bjb applied a method that is capable of measuring the risk of the exchange rate, namely the Exponential Weighted Moving Average (EWMA) which is equipped with Fundamental

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

374

MANAJEMEN RISIKO

yang dilengkapi dengan Fundamental Analysis dan Historical Simulation untuk menangkap tingkat risiko nilai tukar yang tercermin dalam Posisi Devisa Netto. bank bjb juga telah membangun model pengukuran risiko tingkat suku bunga dengan menggunakan metodologi yang dapat menangkap risiko suku bunga dari portofolio aset dan kewajiban yang sensitif terhadap perubahan suku bunga serta menentukan besaran risiko terhadap bank melalui 3FQSJDJOH 1SPmMF, Duration GAP, dan Economic Value of Equity (EVE). Dalam proses pengukuran potensi kerugian baik itu suku bunga dan nilai tukar dari transaksi-transaksi Treasury diukur melalui VaR simulasi historis baik secara sistem (OPICS Risk) maupun manual. Pengujian kelayakan internal VaR simulasi historis NFMBMVJ CBDL UFTUJOH 7B3 WT 1SPmULoss Treasury dan dilakukan secara berkala.

Analysis and Historical Simulation to capture the FYDIBOHF SBUF SJTL UIBU JT SFnFDUFE JO UIF /FU Open Position. bank bjb has also developed an interest rate level measurement model using a methodology that can capture the interest rate risk from the portfolio of assets and liabilities that are sensitive to changes in interest rates as well as determine the amount of risk to the bank UISPVHI UIF 3FQSJDJOH 1SPmMF  %VSBUJPO ("1 BOE Economic Value of Equity (EVE). In the process of measuring the potential loss both in interest rates and exchange rates from Treasury transactions are measured through historical simulation of VaR both by systems (OPICS Risk) or manually. Internal feasibility studies of VaR historical simulation are DPOEVDUFE UISPVHI CBDL UFTUJOH 7B3 WT 1SPmU Loss Treasury and performed periodically.

F 3HPDQWDXDQ5LVLNR3DVDU Aktivitas manajemen risiko dalam melakukan proses pemantauan aktivitas bisnis antara lain melalui: 1. Adanya RMA (Risk Manegement Agency) yang berfungsi untuk melakukan proses manajemen risiko pasar trading book melalui pemantauan limit Treasuri secara harian, misalnya ketentuan GWM, open position, budget loss, risk sensitivity limit, dan lain-lain. Sebagai upaya proses pemantauan yang efektif dan akurat, bank telah memiliki sistem OPICS Risk yang berfungsi dalam mengukur eksposur risiko trading book yang dilakukan oleh dealing room Treasury. 2. Pemantauan risiko nilai tukar banking book dilakukan melalui pemantauan Posisi Devisa Neto per 30 menit serta secara harian agar berada dalam toleransi limit internal bank dan regulasi Bank Indonesia. 3. Pemantauan risiko suku bunga banking book dilakukan melalui pengukuran Repricing GAP, Duration GAP, dan Economic Value of Equity (EVE) untuk melihat sensitivitas porotfolio aktiva dan pasiva bank dalam menghadapi

F 0DUNHW5LVN0RQLWRULQJ The activity of risk management in conducting business activities’ monitoring process are through, among others: 1. The existence of the RMA (Risk Management Agency) which serves to perform trading book market risk management process through the daily monitoring of the Treasuries’ limit, for example the provisions on minimum reserve requirement, open position, budget loss, risk sensitivity limit, and others. As an effective and accurate monitoring process effort, the bank has had the OPICS Risk system which serves to measure the trading book’s risk exposures undertaken by the Treasury dealing room. 2. Monitoring of the trading book exchange rate risk monitoring is performed through the monitoring of the Net Open Position per 30 minutes as well as daily to be in the internal bank’s limit tolerance and the regulations of Bank Indonesia. 3. Monitoring of the banking book interest rate risk conducted through the measurement of Repricing GAP, Duration GAP and Economic Value of Equity (EVE) to see the portfolio sensitivity of the bank’s assets and

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

375 RISK MANAGEMENT

perubahan suku bunga di masa datang. 4. Monitoring risiko sovereign (Credit Default Swap 5 Year) sebagai indikator penilai risiko investasi dari counterparty atau suatu negara asing melalui sistem informasi manajemen risiko. Apabila tingkat CDS NFOJOHLBU TFDBSB TJHOJmLBO NBLB VOJU bisnis harus melakukan keputusan yang menghindari kerugian yang sangat besar bagi bank. 5. Melakukan evaluasi terhadap eksposur risiko yang dimiliki oleh bank. 6. Apabila terjadi pelampauan limit, Divisi Manajemen Risiko segera melakukan pelampauan tersebut kepada Direksi.

liabilities in encountering the changes in interest rates in the future. 4. Monitoring the sovereign risk (Credit Default Swap 5 Year) as an indicator of investment risk assessors of a counterparty or a foreign country through the risk management information system. In the FWFOUUIF$%4MFWFMJODSFBTFETJHOJmDBOUMZ  the business unit must undertake decisions to avoid huge losses to the bank. 5. To evaluate the bank’s risk exposures. 6. In the event of limit breach, the Risk Management Division immediately report the breach to the Board of Directors.

G 3HQJHQGDOLDQ5LVLNR3DVDU Strategi yang diambil oleh bank dalam proses pengendalian risiko pasar, antara lain melalui hedging, squaring position, back-to-back dan cara lain yang bertujuan untuk meng-offset suatu transaksi/posisi yang mengalami kerugian serta stress testing guna melihat ketahanan posisi keuangan bank dalam menghadapi kondisi krisis. Selain itu pula dapat digunakan untuk mentransfer risiko yang dimiliki dealing room Treasury bank sepanjang transfer risiko tersebut masih berada dalam risk limit bank. Bank juga membatasi atau melarang jenis transaksi atau instrumen tertentu untuk ditransaksikan oleh bisnis unit, serta mengurangi risiko dengan cara memberikan batas maksimum transaksi atau portofolio sesuai dengan risk appetite bank.

G 0DUNHW5LVN&RQWURO The strategy adopted by the bank in the market risk control process, among others through hedging, squaring position, back-toback and other methods that aimed to off-set a transaction/ position experiencing loss as well as stress testing to observe the resilience of the CBOLTmOBODJBMQPTJUJPOJOUIFGBDFPGDSJTJT*O addition, it can also be used to transfer the risk of the Treasury dealing room as long as the risk transfer is still in the bank’s risk limit. The Bank also restricts or prohibits certain types of transactions or instruments to be transacted by the business unit, as well as reducing risk by providing a maximum transaction or portfolio limit in accordance with the risk appetite of the bank.

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK Dalam rangka pengembangan penerapan manajemen risiko yang dinamis, Satuan Kerja Manajemen Risiko selalu melakukan evaluasi atas kebijakan, prosedur dan limit risiko pasar secara berkala. Sebagai upaya pengendalian risiko pasar berupa kecukupan kebijakan dan prosedur Satuan Kerja Manajemen Risiko, kaji ulang atas kebijakan dan prosedur dilakukan oleh unit independen baik di internal ataupun pihak eksternal.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP In order to develop the implementation of a dynamic risk management, the Risk Management Unit continuously evaluates the policies, procedures and market risk limits on a regular basis. As an effort to control the market risk in the form of adequacy of policies and procedures of the Risk Management Unit, a review on the policies and procedures is carried out by an independent unit both internally or external parties.

bank bjb Annual Report 2014

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376

MANAJEMEN RISIKO

Pelaksanaan kaji ulang dan evaluasi terhadap pengukuran risiko yang dilakukan oleh Divisi Manajemen Risiko meliputi: • Kesesuaian kebijakan, desain proses Manajemen Risiko, sistem informasi, dan pelaporan manajemen risiko bank dengan kebutuhan bisnis Bank, serta perkembangan peraturan dan praktik terbaik (best practice) terkait Manajemen Risiko; • Metode, asumsi, dan variabel yang digunakan untuk mengukur Risiko dan menetapkan limit risiko pasar; • Perbandingan antara asumsi yang digunakan dalam metode pengukuran risiko yang dipergunakan dengan kondisi yang sebenarnya/aktual; • Perbandingan antara limit yang ditetapkan dengan eksposur yang sebenarnya/aktual;

The implementation of review and evaluation to the risk measurement performed by the Risk Management Division include: • The conformity of policy, Risk Management process design, information systems, and the bank’s risk management reporting with the Bank’s business needs, as well as regulatory developments and best practices related to Risk Management; • Methods, assumptions, and variables used to measure Risk and determining the market risk limits; • The comparison between the assumptions used in the risk measurement methods that are utilized and the actual conditions; • Comparison between the set limit and the actual exposure;

Hasil kaji ulang Satuan Kerja Manajemen Risiko (Divisi Manajemen Risiko) yang telah dikaji ulang oleh Satuan Kerja Audit Intern (SKAI) akan disampaikan dalam Komite Manajemen Risiko (RMC) untuk kemudian diminta persetujuannya kepada Direksi. Pembahasan tersebut dilakukan pula dengan Dewan Komisaris yang dibantu oleh Komite Pemantau Risiko. Kaji ulang yang dilakukan oleh Satuan Kerja Audit Intern (SKAI) meliputi: • Keandalan kerangka Manajemen Risiko, yang mencakup kebijakan, struktur organisasi, alokasi sumber daya, desain proses Manajemen Risiko, sistem informasi, dan pelaporan Risiko Bank; • Proses pemantauan yang dilakukan oleh Satuan Kerja Manajemen Risiko; • Evaluasi atas metodologi pengukuran Satuan Kerja Manajemen Risiko;

The review results of the Risk Management Unit (Risk Management Division) which have been reviewed by the Internal Audit Unit (SKAI) will be conveyed in the Risk Management Committee (RMC) to be subsequently prompted for approval to the Board of Directors. The discussion is also held with the Board of Commissioners, assisted by the Risk Monitoring Committee. The review carried out by the Internal Audit Unit (SKAI) includes: • Reliability of Risk Management framework, which includes policies, organizational structure, resource allocation, Risk Management process design, information systems, and reporting of Bank’s Risks; • Monitoring process conducted by the Risk Management Unit; • Evaluation on the measurement methodology of the Risk Management Unit;

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bank bjb Laporan Tahunan 2014

 4XDQWLWDWLYH'LVFORVXUHRIWKH0DUNHW5LVN

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

377 RISK MANAGEMENT



7DEHO  3HQJXQJNDSDQ 5LVLNR 3DVDU GHQJDQ 0HQJJXQDNDQ0HWRGH6WDQGDU(Rp Juta) No

'HVHPEHU'HFHPEHU

Keterangan

Beban 0RGDO Capital Charge

1

(2)

(3)

'HVHPEHU'HFHPEHU

.RQVROLGDVL Consolidated

bank bjb

(1)

7DEOH0DUNHW5LVN'LVFORVXUHXVLQJ6WDQGDUGL]HG $SSURDFK(Rp Million)

ATMR/ RWA

(4)

Beban 0RGDO Capital Charge

ATMR/ RWA

(5)

Beban 0RGDO Capital Charge

(6)

(7)

'HVFULSWLRQ

.RQVROLGDVL Consolidated

bank bjb

ATMR/ RWA

(8)

Beban 0RGDO Capital Charge

ATMR/ RWA

(9)

(10)

(2)

Risiko Suku Bunga

85.747

1.071.834

85.747

1.071.834

88.052

1.100.645

88.052

1.100.645

Interest Rate Risk

B3JTJLP4QFTJmL

85.747

1.071.834

85.747

1.071.834

88.052

1.100.645

88.052

1.100.645

B4QFDJmD3JTL

-

-

-

-

b. General Risk

8.911

111.389

5.110

63.878

Foreign Exchange Risk

b. Risiko Umum 2

Risiko Nilai Tukar

3

Risiko Ekuitas *)

-

-

-

-

Equity Risk *)

4

Risiko Komoditas *)

-

-

-

-

Commodity Risk *)

5

Risiko Option

-

-

-

-

Option Risk

94.658

1.183.223

93.162

1.164.523

Total

Total

8.911

94.658

111.389

1.183.223

& 5LVLNR/LNXLGLWDV

5.110

93.162

63.878

1.164.523

& /LTXLGLW\5LVN

Risiko Likuiditas adalah risiko akibat ketidakmampuan bank untuk memenuhi kewajiban yang timbul atau kewajiban yang telah jatuh tempo. Risiko ini terjadi akibat kegagalan pengelolaan sumber dana dan penanaman dana (mismatch) atau kekurangan likuiditas (shortage) yag mengakibatkan bank tidak mampu memenuhi kewajiban keuangannya pada waktu yang telah ditetapkan.

Liquidity risk is the risk due to the inability of the bank to meet obligations or liabilities that have matured. This risk is due to the failure of investment management and fund investment (mismatch) or a liquidity shortage which leads UPUIFJOBCJMJUZPGUIFCBOLUPNFFUJUTmOBODJBMPCMJHBUJPOT at a predetermined time.

Risiko likuiditas dapat dikategorikan sebagai berikut: • Risiko Likuiditas Pasar, yaitu risiko yang timbul karena bank tidak mampu melakukan offsetting posisi tertentu dengan harga pasar karena kondisi likuiditas pasar yang tidak memadai atau terjadi gangguan di pasar (market disruption); • Risiko Likuiditas Pendanaan, yaitu risiko yang timbul karena bank tidak mampu mencairkan asetnya atau memperoleh pendanaan dari sumber dana lain.

Liquidity risk can be categorized as follows: • Market liquidity risk, namely the risk arising from the bank’s inability to offset a certain position with the market price due to inadequate market liquidity conditions or market disruption; • Funding liquidity risk, namely the risk arising from the bank’s inability to disburse its assets or obtain funding from other sources.

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Dewan Komisaris dan Direksi bertanggungjawab atas efektivitas penerapan Manajemen Risiko Likuiditas di Bank. Terkait wewenang dan tanggung jawab pengawasan aktif Dewan Komisaris dan Direksi bank bjb, Dewan Komisaris dan Direksi selalu memperoleh informasi yang jelas

 $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV The Board of Commissioners and the Board of Directors are responsible for the effective implementation of Liquidity Risk Management of the Bank. In relations to the active supervision authority and responsibility of the Board of Commissioners and Board of Directors of bank

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

378

MANAJEMEN RISIKO

mengenai evaluasi dan penerapan manajemen risiko eksposur risiko likuiditas, pemantauan limit secara harian serta langkah-langkah yang diambil oleh Risk Taking Unit khususnya terkait adanya pelampauan limit.

bjb, the Board of Commissioners and the Board of Directors always obtain clear information on the evaluation and implementation of risk management of liquidity risk exposure, supervision of limit on a daily basis as well as steps employed by the Risk 5BLJOH6OJUTQFDJmDBMMZSFMBUFEUPUIFMFOEJOHMJNJU

Dalam pelaksanaan pengawasannya, Dewan Komisaris dibantu oleh Komite Pemantau Risiko (KPR) bank yang secara berkala melakukan pengawasan melalui koordinasi dengan Satuan Kerja Manajemen Risiko. Media koordinasi yang digunakan dapat berupa laporan pemantauan risiko oleh SKMR yang disampaikan kepada Komite Pemantau Risiko maupun melalui media rapat antara kedua belah pihak. Adapun rapat yang diadakan tersebut pada umumnya membahas penerapan manajemen risiko di bank bjb menyangkut diantaranya penerapan pengukuran risk tolerance risiko likuiditas, stress testingMJLVJEJUBT QFNCBIBTBOQSPmMSJTJLPMJLVJEJUBT yang bersifat material, dan kecukupan metodologi pengukuran yang dipergunakan Satuan Kerja Manajemen Risiko. Pengawasan yang dilakukan oleh Direksi yaitu memantau penerapan limit Treasury secara berkala baik terjadi pelampauan limit (breach limit) maupun tidak terjadi pelampauan limit, melakukan persetujuan atas limit yang bersifat baru ataupun perubahannya. Pembahasan tentang pengelolaan risiko likuiditas seperti komposisi deposan inti, NBUVSJUZ QSPmMF bank dilakukan dalam Rapat ALCO (Asset Liability Committee) sedangkan pembahasan eksposur SJTJLP MJLVJEJUBT TFQFSUJ QSPmM SJTJLP MJLVJEJUBT ZBOH bersifat material, liquidity stress testing, dan eksposur risiko likuiditas lainnya dibahas dalam rapat Komite Manajemen Risiko (RMC). Terkait limit risiko likuiditas dan risk appetite bank dievaluasi secara periodik namun dapat dipercepat sesuai dengan perubahan lingkungan bisnis bank.

In the implementation of its supervision, the Board of Commissioners is assisted by the bank’s Risk Monitoring Committee (RMC) which periodically conduct supervision in coordination with the Risk Management Unit. The coordination media utilized can be in the form of risk monitoring reports by the SKMR which is submitted to the Risk Monitoring Committee or through the media of meetings between the two parties. The meeting implemented generally discusses the implementation of risk management in bank bjb concerning among others the risk tolerance measurement application of the liquidity risk, liquidity stress testing, material MJRVJEJUZ SJTL QSPmMFT  BOE BEFRVBDZ PG UIF measurement methodology utilized by the Risk Management Unit. Supervision carried out by the Board of Directors is through the monitoring of the implementation of the Treasury limit periodically in the event of breach limit occurrences or not, and the provision of limit approval that are new or after being amended. Discussions on the management of the liquidity risk, such as the core EFQPTJUPST DPNQPTJUJPO  NBUVSJUZ QSPmMF PG UIF bank, are carried out in the ALCO (Asset & Liability Committee) Meeting, while discussions on the liquidity risk exposures such as material liquidity SJTL QSPmMFT  MJRVJEJUZ TUSFTT UFTUJOH  BOE PUIFS liquidity risk exposures are discussed in the Risk Management Committee meetings. The limit of the bank’s market risk and risk appetite are evaluated periodically or at any time deemed needed to be evaluated in accordance with the bank’s changing business environment.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

379 RISK MANAGEMENT

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Sebagai upaya menghadapi permasalahan likuiditas mendasar, bank telah memiliki kebijakan dan pedoman terkait penerapan manajemen risiko likuiditas. Kebijakan dan pedoman tersebut memuat diantaranya prosedur pengukuran risiko likuiditas, stress testing likuiditas yang memuat skenario general market crisis dan bank TQFDJmD crisis. Terkait kebijakan penerapan limit gap likuiditas, prosedur eskalasi pelampauan limit, rencana kontinjensi pendanaan likuiditas, saat ini bank masih menyusun prosedur dan langkahlangkahnya bersama risk taking unit dimana untuk ke depannya akan dijadikan kebijakan aturan yang perlu dipatuhi oleh risk taking unit. Penetapan limit likuiditas yang berjalan di bank yaitu penetapan limit primary reserve, secondary reserve dan ekses reserve GWM sedangkan untuk penetapan pagu kas di Cabang Operasional dilakukan oleh Divisi Operasional.

 $GHTXDF\RI3ROLF\3URFHGXUHDQG(VWDEOLVKPHQW of Limit As an effort to encounter fundamental liquidity issues, the bank has established policies and guidelines related to liquidity risk management. The policies and guidelines contain among others procedures for liquidity risk measurement, liquidity stress testing which JODMVEFTHFOFSBMNBSLFUDSJTJTBOECBOLTQFDJmDDSJTJT scenarios. In relations to the policy implementation of liquidity gap limits, limit breaches escalation procedures, funding liquidity contingency plan, the bank is currently still formulating the procedures and methods with the risk taking unit which in the future will be used as a policy provisions which needs to be adhered by the risk taking unit. The determination of liquidity limits which will be performed by the bank are namely the limit determination of primary reserve, secondary reserve and excess reserve of the Statutory Reserves while the determination of maximum cash at Operational Branches will be conducted by the Operational Division.

Satuan Kerja Manajemen Risiko selalu melakukan evaluasi atas kebijakan, prosedur dan analisis kinerja bank terhadap limit yang diterapkan. Adapun perubahan limit dilakukan oleh risk taking unit untuk kemudian dilakukan evaluasi melalui pengukuran yang telah distandardisasi oleh Satuan Kerja Manajemen Risiko.

The Risk Management Unit continuously evaluates the policies, procedures and performance analysis of the bank towards the applied limit. While limit changes are conducted by the risk-taking units to then be evaluated through a measurement that has been standardized by the Risk Management Unit.

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Kebijakan risiko likuiditas mencakup risiko yang menyebabkan bank menderita kerugian akibat meningkatnya biaya dana atau adanya hambatan/ keterbatasan dalam memenuhi kewajiban yang KBUVI UFNQP 4FCBHJBO CFTBS USBOTBLTJ mOBOTJBM atau komitmen mempunyai dampak terhadap likuiditas bank. Oleh karena itu, bank sangat rentan terhadap masalah likuiditas, baik bagi bank itu sendiri maupun pengaruhnya terhadap industri perbankan secara keseluruhan. Bank berkewajiban memenuhi kewajiban keuangannya secara tepat waktu sehingga bank harus mampu memelihara suatu tingkat likuiditas yang memadai setiap waktu.

 $GHTXDF\RI,GHQWLÀFDWLRQ3URFHVV0HDVXUHPHQW 0RQLWRULQJ DQG 5LVN &RQWURO DV ZHOO DV 5LVN Management Information System Liquidity risk policy covers risks that caused the bank to suffer losses due to the rising cost of funds or the presence of barriers/ limitations to meet its maturing PCMJHBUJPOT.PTUmOBODJBMUSBOTBDUJPOTPSDPNNJUNFOUT have impacts on the liquidity of the bank. Therefore, banks are highly vulnerable to liquidity issues, both for the bank itself and its impact on the banking industry BT B XIPMF 5IF CBOL JT PCMJHFE UP NFFU JUT mOBODJBM obligations in a timely manner, therefore, the bank must be able to maintain an adequate level of liquidity at all times.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

380

MANAJEMEN RISIKO

Dalam menentukan limit risiko likuiditas, bank memperhatikan kondisi likuiditas dari aktivapasiva bank. Likuiditas yang cukup besar perlu dikelola secara baik dan dijadikan indikator dalam menerapkan limit risiko likuiditas untuk NFOEVLVOH VQBZB QFOJOHLBUBO QSPmUBCJMJUBT bank, karena likuiditas yang cukup besar justru akan meningkatkan idle fund dan akan merugikan bagi bank terutama bank yang didanai nasabah korporasi. Gap likuiditas secara historis dapat dijadikan patokan dalam menentukan limit risiko likuiditas bagi bank. Penerapan limit likuiditas yang berjalan di bank yaitu penetapan limit primary reserve, secondary reserve dan ekses reserve GWM sedangkan untuk penetapan pagu kas di Cabang Operasional dilakukan oleh Divisi Operasional.

In determining the liquidity risk limits, the bank considers the liquidity condition of the bank’s assets and liabilities. Substantial liquidity needs to be managed well and used as indicators in the implementation of liquidity risk limits to support the efforts to increase the QSPmUBCJMJUZ PG UIF CBOL  CFDBVTF B MBSHF MJRVJEJUZ XJMM increase idle funds and would be detrimental to the bank, especially banks that are funded by corporate customers. Historic liquidity gap can be used as a benchmark in determining the liquidity risk limits for a bank. The implementation of liquidity limit performed by the bank are namely the limit determination of primary reserve, secondary reserve, and excess reserve of the Statuary Reserve while the determination of maximum cash at Operational Branches will be conducted by the Operational Division.

Saat ini bank sedang mengembangkan sistem informasi pengukuran risiko likuiditas seperti maturity QSPmMF yang terintegrasi. Satuan Kerja Manajemen Risiko bersama Risk Taking Unit dalam tahapan integrasi sistem informasi maturity QSPmMF tersebut selalu diadakan rapat sebagai upaya mengetahui utilisasi progres yang telah dilakukan. Sistem pelaporan maturity QSPmMF valas telah terintegrasi dan tervalidasi dengan memadai sehingga pelaporannya tidak memerlukan proses manual lagi.

Currently the bank is developing a liquidity risk measurement information systems such as an JOUFHSBUFE NBUVSJUZ QSPmMF 5IF 3JTL .BOBHFNFOU Unit along with the Risk Taking Unit in the integration TUBHF PG UIF NBUVSJUZ QSPmMF JOGPSNBUJPO TZTUFN conduct meetings in an attempt to know the utilization of progress that have been performed. The maturity QSPmMFPGGPSFJHODVSSFODZSFQPSUJOHTZTUFNIBTCFFO TVGmDJFOUMZ JOUFHSBUFE BOE WBMJEBUFE UIBU JUT SFQPSUJOH does not require any manual process.

Sebagai langkah koordinasi manajemen bank dalam menghadapi kejadian krisis likuiditas dikemudian hari, bank sedang menyusun Tim Manajemen Krisis Likuiditas (Liquidity Crisis Management Team) sebagai langkah antisipatif dalam menyikapi krisis likuiditas dengan menjalankan prosedur rencana pendanaan darurat sesuai dengan kerangka kerja Contingency Funding Plan Scenario yang telah ditetapkan berdasarkan hasil rapat ALCO (Asset & Liability Committee).

As a coordinative measure by the bank’s management in facing liquidity crisis occurrences in the future, the bank is forming the Liquidity Crisis Management Team as an anticipatory measure in response to the liquidity crisis by executing emergency procedures in accordance with the Contingency Funding Plan Scenario framework which has been established based on the ALCO (Asset & Liability Committee) meeting results.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

381 RISK MANAGEMENT

Dalam proses pemantauan limit Risk Taking Unit, Satuan Kerja Manajemen Risiko selalu melakukan pemantauan limit secara harian dan dilaporkan kepada Direksi secara berkala. Adapun apabila terjadi eskalasi pelampauan limit maka akan segera dilaporkan kepada Direksi termasuk upaya contingency plan yang akan dilakukan oleh Risk Taking Unit. Terkait menuju implementasi Basel III yang terfokus kepada permasalahan likuiditas, Satuan Kerja Manajemen Risiko bekerja sama dengan Unit Bisnis dan Supporting Unit melakukan pengukuran dampak Basel III terhadap bank dengan melakukan simulasi perhitungan rasio LCR dan NSFR yang dibutuhkan oleh bank agar terhindari dari dampak risiko likuiditas dan kepatuhan internal maupun eksternal.

In the Risk Taking Unit limit monitoring process, the Risk Management Unit continuously monitors the daily limit and report it to the Board of Directors on a regular basis. Limit escalation breach occurrences will be immediately reported to the Board of Directors including contingency plan efforts which will be conducted by the Risk Taking Unit. In relations to the implementation of Basel III, which focuses on liquidity issues, the Risk Management Unit is working with the Business Unit and Supporting Unit in measuring the impacts of Basel III on the bank and calculate the ratio of the LCR and NSFR required by the bank in order to avoid the impact of liquidity risk and internal and external compliance.

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK Dalam rangka pengembangan penerapan manajemen risiko yang dinamis, Satuan Kerja Manajemen Risiko selalu melakukan evaluasi atas kebijakan, prosedur dan limit risiko likuiditas secara berkala. Sebagai upaya pengendalian risiko pasar berupa kecukupan kebijakan dan prosedur Satuan Kerja Manajemen Risiko, kaji ulang atas kebijakan dan prosedur dilakukan oleh unit independen baik di internal ataupun pihak eksternal. Satuan Kerja Manajemen Risiko pun melakukan stress testing likuiditas bank bjb dan memberikan informasi kondisi kecukupan aset likuid yang dipandang memadai untuk mengcover penarikan dana oleh nasabah secara tiba-tiba dan dalam jumlah besar. Laporan tersebut diinformasikan kepada Direksi dan risk taking unit agar mendapatkan feed back dan menciptakan risk awareness.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP In order to develop a dynamic risk management, the Risk Management Unit continuously evaluates the policies, procedures and limits for liquidity risk on a regular basis. In an effort to control the market risk in the form of the adequacy of policies and procedures of the Risk Management Unit, reviews on the policies and procedures are carried out by an independent unit by both internal and external parties. The Risk Management Unit also conducts bank bjb’s liquidity stress testing and provide information on the liquid assets adequacy conditions that are deemed TVGmDJFOUUPDPWFSBTVEEFOBOEJOMBSHFBNPVOUGVOET withdrawal by customers. The report is conveyed to the Board of Directors and the risk taking unit in order to obtain feed back and create risk awareness.

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

382

MANAJEMEN RISIKO



3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² %DQN VHFDUD,QGLYLGXDO 7DEHOD (Rp Juta) 3RVSRV Post

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1 minggu/ 1 week

I.

Neraca/Balance Sheet

A.

Aset/Assets

68.074.396

10.559.201

1.

Kas/Cash

2.720.555

2.720.555

2.

Penempatan pada Bank Indonesia/Placement to Bank Indonesia

7.223.854

7.223.854

a.

Giro/Current Accounts

4.913.672

4.913.672

b.

SBI

c.

Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo)

-

-

2.310.182

2.310.182

3.

Penempatan pada bank lain/Interbank placement

1.761.780

592.348

4.

Surat Berharga/Securities

7.132.083

-

a.

1.329.611

-

-

-

SUN 1)

b.

c. 5.

6.

diperdagangkan/trading

2)

tersedia untuk dijual/ available for sale

3)

dimiliki hingga jatuh tempo/held to maturity

4)

pinjaman yang diberikan dan piutang/ loans and receivables

Surat Berharga Korporasi/Corporate Securities 1)

diperdagangkan/trading

2)

tersedia untuk dijual/ available for sale

3)

dimiliki hingga jatuh tempo/held to maturity

4)

pinjaman yang diberikan dan piutang/ loans and receivables

Lainnya/Other

-

-

1.329.611

-

-

-

5.802.472

-

722.120

-

-

-

5.080.352

-

-

-

-

-

Kredit yang Diberikan/Loans

49.207.445

22.444

a.

Belum Jatuh Tempo/Non Past Due

49.207.445

22.444

b.

Sudah Jatuh Tempo/Past Due

-

-

Tagihan Lainnya/Other Receivable

28.679

-

-

-

a.

Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims on Securities purchased under agreements to resell (RR)

b.

Lainnya/Other

28.679

-

-

-

7.

Lain-lain/Others

57.355.119

(232.346)

B.

Kewajiban/Liabilities

57.587.465

36.669.803

1.

Dana Pihak Ketiga/ Third Party Funds

52.718.663

36.615.811

a.

Giro/Current Accounts

21.337.907

21.337.907

b.

Tabungan/Saving Accounts

12.383.742

12.383.742

c.

Simpanan Berjangka/Time Deposits

18.997.014

2.894.162

1)

Deposito on call

2)

Deposito berjangka/Time Deposits

3)

Lainnya/Other

2.

Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia

3.

Kewajiban kepada bank lain/Liabilities on Other Bank

4.

-

-

18.997.014

2.894.162

-

-

-

-

74.275

9.379

Surat Berharga yang Diterbitkan/Securities Issued

2.396.611

-

a.

2.396.611

-

Obligasi/Bonds

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

383 RISK MANAGEMENT



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\ (Table 9.1.a) (Rp Million)

-DWXK7HPSRMaturity !PLQJJX minggu/ >1 weeks - 2 weeks

!PLQJJXEXODQ > 2 weeks- 1 months

!EXODQ > 3 - 6 months

!EXODQ > 1 -3 months

!EXODQ > 6 - 12 months

> 12 bulan > 12 months

1.010.095

610.641

488.745

1.710.183

3.064.111

50.631.420

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

840.000

300.000

23.452

5.980

-

-

129.982

241.382

331.885

801.436

2.224.093

3.403.305

-

-

132.197

489.850

707.564

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

132.197

489.850

707.564

-

-

-

-

-

-

-

129.982

241.382

199.688

311.586

1.516.529

3.403.305

-

-

-

-

1.238

720.882

-

-

-

-

-

-

129.982

241.382

199.688

311.586

1.515.291

2.682.423

-

-

-

-

-

-

-

-

-

-

-

-

40.113

69.259

133.408

902.767

840.018

47.199.436

40.113

69.259

133.408

902.767

840.018

47.199.436

-

-

-

-

-

-

-

-

-

-

-

28.679

-

-

-

-

-

-

-

-

-

-

-

28.679

-

-

-

-

-

-

3.335.480

2.118.482

5.055.774

4.993.678

2.401.752

3.012.496

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

-

-

-

-

-

-

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

-

-

-

-

-

-

8.196

11.128

20.661

6.640

6.520

11.751

-

-

-

-

276.000

2.120.611

-

-

-

-

276.000

2.120.611

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

384

MANAJEMEN RISIKO



3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² %DQN VHFDUD,QGLYLGXDO 7DEHOD (Rp Juta) 3RVSRV Post

5.

6.

7.

6DQGL Code

6DOGR Balance

1 minggu/ 1 week

b.

Subordinasi/Subordinated

-

-

c.

Lainnya/Other

-

-

Pinjaman yang Diterima/Borrowings a.

Pinjaman Subordinasi/Subordinated Borrowings

b.

Lainnya/Other

335.000

-

-

-

335.000

-

Kewajiban Lainnya/Other Liabilities

2.062.916

44.613

a.

Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/ Liability for Securities sold under repurchase agreements (Repo)

2.062.916

44.613

b.

Lainnya/Other

-

-

Lain-lain/Others

-

-

&

6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQ WKH%DODQFH6KHHW

II.

Rekening Administratif/ Off-Balance Sheet

10.486.931

1.949.656 -

A.

7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH6KHHW5HFHLYDEOHV

-

-

1.

Komitmen/Commitments

-

-

a.

Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

-

-

b.

Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

1)

Spot

-

-

2)

Derivatif

-

-

Lainnya/Other

-

-

2.

Kontijensi/Contingencies

-

-

B.

.HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLI/LDELOLWLHV%DODQFH6KHHW

3.083.012

445.557 6.366

c.

-

1.

Komitmen/Commitments

1.784.439

a.

Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

1.736.998

906

b.

Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running

47.441

5.460

c.

Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

1)

Spot

-

-

2)

Derivatif

-

-

d.

Lainnya/Other

2.

Kontijensi/Contingencies

&

6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ$GPLQLVWUDWLI'LIIHUHQFHLQ $FFRXQW5HFHLYDEOHVDQG3D\DEOHV$GPLQLVWUDWLYH

-

-

1.298.573

439.191

(3.083.012)

(445.557)

-

6HOLVLK ,$,%  ,,$,,% 6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV

bank bjb Laporan Tahunan 2014

7.403.919

(26.556.159) (26.556.159)

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

385 RISK MANAGEMENT



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\ (Table 9.1.a) (Rp Million)

-DWXK7HPSRMaturity !PLQJJX minggu/ >1 weeks - 2 weeks

!PLQJJXEXODQ > 2 weeks- 1 months

!EXODQ > 3 - 6 months

!EXODQ > 1 -3 months

!EXODQ > 6 - 12 months

> 12 bulan > 12 months

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

335.000

-

-

-

-

-

-

-

-

-

-

-

335.000

1.304.121

219.698

182.783

311.701

-

-

1.304.121

219.698

182.783

311.701

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(2.636.565)

(1.822.487)

(1.768.779)

(348.849)

850.971

11.294.663

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

63.162

91.472

204.979

457.989

390.568

1.429.285

3.008

16.084

12.495

158.235

235.895

1.352.356

3.008

15.730

10.586

148.207

206.205

1.352.356

-

354

1.909

10.028

29.690

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

60.154

75.388

192.484

299.754

154.673

76.929

-

-

-

-

-

-

(63.162)

(91.472)

(204.979)

(457.989)

(390.568)

(1.429.285)

-

-

-

-

-

-

(2.388.547)

(1.599.313)

(4.772.008)

(3.741.484)

271.791

46.189.639

(28.944.706)

(30.544.019)

(35.316.027)

(39.057.511)

(38.785.720)

7.403.919

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

386

MANAJEMEN RISIKO

C 1SPmM .BUVSJUBT 3VQJBI o #BOL TFDBSB Konsolidasi 

3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN (Tabel 9.2.a.) (Rp Juta) 3RVSRV Post

6DQGL Code

6DOGR Balance

1 minggu/ 1 week

I.

Neraca/Balance Sheet

A.

Aset/Assets

68.334.201

10.814.152

1.

Kas/Cash

2.760.427

2.760.427

2.

Penempatan pada Bank Indonesia/Placement to Bank Indonesia

7.432.144

7.432.144

a.

Giro/Current Accounts

5.121.962

5.121.962

b.

SBI

c.

Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo)

-

-

2.310.182

2.310.182

3.

Penempatan pada bank lain/Interbank placement

1.768.569

599.137

4.

Surat Berharga/Securities

7.136.937

-

a.

1.329.611

-

-

-

SUN 1)

b.

c. 5.

6.

diperdagangkan/trading

2)

tersedia untuk dijual/ available for sale

3)

dimiliki hingga jatuh tempo/held to maturity

4)

pinjaman yang diberikan dan piutang/ loans and receivables

Surat Berharga Korporasi/Corporate Securities 1)

diperdagangkan/trading

2)

tersedia untuk dijual/ available for sale

3)

dimiliki hingga jatuh tempo/held to maturity

4)

pinjaman yang diberikan dan piutang/ loans and receivables

Lainnya/Other

-

-

1.329.611

-

-

-

5.807.326

-

722.120

-

-

-

5.085.206

-

-

-

-

-

Kredit yang Diberikan/Loans

49.207.445

22.444

a.

Belum Jatuh Tempo/Non Past Due

49.207.445

22.444

b.

Sudah Jatuh Tempo/Past Due

-

-

Tagihan Lainnya/Other Receivable

28.679

-

-

-

a.

Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims on Securities purchased under agreements to resell (RR)

b.

Lainnya/Other

28.679

-

-

-

7.

Lain-lain/Others

57.355.119

1.327.927

B.

Kewajiban/Liabilities

56.027.192

37.127.833

1.

Dana Pihak Ketiga/ Third Party Funds

53.214.999

37.112.147

a.

Giro/Current Accounts

21.337.907

21.337.907

b.

Tabungan/Saving Accounts

12.880.078

12.880.078

c.

Simpanan Berjangka/Time Deposits

18.997.014

2.894.162

1)

Deposito on call

2)

Deposito berjangka/Time Deposits

3)

Lainnya/Other

2.

Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia

3.

Kewajiban kepada bank lain/Liabilities on Other Bank

4.

-

-

18.997.014

2.894.162

-

-

-

-

80.582

15.686 -

Surat Berharga yang Diterbitkan/Securities Issued

2.396.611

a.

Obligasi/Bonds

2.396.611

-

b.

Subordinasi/Subordinated

-

-

c.

Lainnya/Other

-

-

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

387 RISK MANAGEMENT

C .BUVSJUZQSPmMF3VQJBIo$POTPMJEBUFE#BOL



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN &RQVROLGDWHG 7DEOHD (Rp Million)

-DWXK7HPSRMaturity !PLQJJX minggu/ >1 weeks - 2 weeks

!PLQJJXEXODQ > 2 weeks- 1 months

!EXODQ > 3 - 6 months

!EXODQ > 1 -3 months

!EXODQ > 6 - 12 months

> 12 bulan > 12 months

1.010.095

610.641

488.745

1.710.183

3.068.965

50.631.420

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

840.000

300.000

23.452

5.980

-

-

129.982

241.382

331.885

801.436

2.228.947

3.403.305

-

-

132.197

489.850

707.564

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

132.197

489.850

707.564

-

-

-

-

-

-

-

129.982

241.382

199.688

311.586

1.521.383

3.403.305

-

-

-

-

1.238

720.882

-

-

-

-

-

-

129.982

241.382

199.688

311.586

1.520.145

2.682.423

-

-

-

-

-

-

-

-

-

-

-

-

40.113

69.259

133.408

902.767

840.018

47.199.436

40.113

69.259

133.408

902.767

840.018

47.199.436

-

-

-

-

-

-

-

-

-

-

-

28.679

-

-

-

-

-

-

-

-

-

-

-

28.679

-

-

-

-

-

-

2.031.359

1.898.784

4.872.991

4.681.977

2.401.752

3.012.496

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

-

-

-

-

-

-

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

2.023.163

1.887.656

4.852.330

4.675.337

2.119.232

545.134

-

-

-

-

-

-

-

-

-

-

-

-

8.196

11.128

20.661

6.640

6.520

11.751

-

-

-

-

276.000

2.120.611

-

-

-

-

276.000

2.120.611

-

-

-

-

-

-

-

-

-

-

-

-

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

388

MANAJEMEN RISIKO



3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK  %DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN (Tabel 9.2.a.) (Rp Juta) 3RVSRV Post

5.

6.

6DQGL Code

Pinjaman yang Diterima/Borrowings a.

Pinjaman Subordinasi/Subordinated Borrowings

b.

Lainnya/Other

6DOGR Balance

1 minggu/ 1 week

335.000

-

-

-

335.000

-

Kewajiban Lainnya/Other Liabilities

-

-

a.

Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/ Liability for Securities sold under repurchase agreements (Repo)

-

-

b.

Lainnya/Other

7.

Lain-lain/Others

&

6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQ WKH%DODQFH6KHHW

II.

Rekening Administratif/ Off-Balance Sheet

-

-

-

-

12.307.009

1.949.656

-

A.

7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH6KHHW5HFHLYDEOHV

-

1.

Komitmen/Commitments

-

-

a.

Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

-

-

b.

Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

1)

Spot

-

-

2)

Derivatif

-

-

Lainnya/Other

-

-

Kontijensi/Contingencies

-

c. 2.

-

-

B.

.HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLI/LDELOLWLHV%DODQFH6KHHW

3.083.012

445.557

1.

Komitmen/Commitments

1.784.439

6.366

a.

Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

1.736.998

906

b.

Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running

47.441

5.460

c.

Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

1)

Spot

-

-

2)

Derivatif

-

-

d.

Lainnya/Other

2.

Kontijensi/Contingencies

&

6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ$GPLQLVWUDWLI'LIIHUHQFHLQ $FFRXQW5HFHLYDEOHVDQG3D\DEOHV$GPLQLVWUDWLYH

-

-

1.298.573

439.191

(3.083.012)

(445.557)

9.223.997

(26.759.238)

-

6HOLVLK ,$,%  ,,$,,% 6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV

bank bjb Laporan Tahunan 2014

(26.759.238)

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

389 RISK MANAGEMENT



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN &RQVROLGDWHG 7DEOHD (Rp Million)

-DWXK7HPSRMaturity !PLQJJX minggu/ >1 weeks - 2 weeks

!PLQJJXEXODQ > 2 weeks- 1 months

!EXODQ > 3 - 6 months

!EXODQ > 1 -3 months

!EXODQ > 6 - 12 months

> 12 bulan > 12 months

-

-

-

-

-

-

-

-

-

-

335.000 -

-

-

-

-

-

335.000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(2.636.565)

(1.822.487)

(1.768.779)

(348.849)

850.971

11.294.663

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

63.162

91.472

204.979

457.989

390.568

1.429.285

3.008

16.084

12.495

158.235

235.895

1.352.356

3.008

15.730

10.586

148.207

206.205

1.352.356

-

354

1.909

10.028

29.690

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

60.154

75.388

192.484

299.754

154.673

76.929

-

-

-

-

-

-

(63.162)

(91.472)

(204.979)

(457.989)

(390.568)

(1.429.285)

-

-

-

-

-

-

(1.084.426)

(1.379.615)

(4.589.225)

(3.429.783)

276.645

46.189.639

(27.843.664)

(29.223.279)

(33.812.504)

(37.242.287)

(36.965.642)

9.223.997

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

390

MANAJEMEN RISIKO

D 1SPmM.BUVSJUBT7BMBTo#BOLTFDBSB*OEJWJEVBM 

D 3VQJBI.BUVSJUZ1SPmMF$POTPMJEBUFE#BOL

3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN VHFDUD.RQVROLGDVLGHQJDQ,QGLYLGXDO 7DEHOE 



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\ (Table 9.1.b) (Rp Million)

(Rp Juta)

3RVSRV Post

6DOGR Balance

-DWXK7HPSR0DWXULW\ !PLQJJX !PLQJJX !EXODQ minggu bulan >1 -3 months >1 weeks - 2 >2 weeks- 1 weeks months

1 minggu 1 week

!EXODQ !EXODQ >3 - 6 months >6 - 12 months

> 12 bulan >12 months

I.

Neraca/Balance Sheet

A.

Aset/Assets

478.355

344.184

6.494

-

8.686

28.451

48.819

41.722

1.

Kas/Cash

15.319

15.319

-

-

-

-

-

-

2.

Penempatan pada Bank Indonesia/Placement to Bank Indonesia

41.378

41.378

-

-

-

-

-

-

a. Giro/Current Accounts

41.378

41.378

-

-

-

-

-

-

-

-

-

b. SBI

-

c. Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo)

-

-

-

-

-

140.489

140.489

-

-

-

-

-

-

23.568

-

-

-

-

19.857

3.710

-

-

-

-

-

-

-

-

-

3.

Penempatan pada bank lain/Interbank placement

4.

Surat Berharga/Securities **) a. SUN 1) Diperdagangkan/trading

-

2) Tersedia untuk dijual/ available for sale

-

3) Dimiliki hingga jatuh tempo/held to maturity

-

4) Pinjaman yang diberikan dan piutang/ loans and receivables

-

b. Surat Berharga Korporasi/Corporate Securities

23.568

-

-

-

-

19.857

3.710

-

1) Diperdagangkan/trading

-

-

-

-

-

-

-

-

2) Tersedia untuk dijual/ available for sale

-

-

-

-

-

-

-

-

23.568

-

-

-

-

19.857

3.710

-

-

-

-

-

-

-

-

-

3) Dimiliki hingga jatuh tempo/held to maturity 4) Pinjaman yang diberikan dan piutang/ loans and receivables c. Lainnya/Other 5.

-

-

-

-

-

-

-

-

Kredit yang Diberikan/Loans

242.515

146.998

-

-

93

8.593

45.109

41.722

a. Belum Jatuh Tempo/Non Past Due

242.515

146.998

-

-

93

8.593

45.109

41.722

-

-

-

-

-

-

-

-

15.087

-

6.494

-

8.593

-

-

-

-

-

-

-

-

-

-

-

15.087

-

6.494

-

8.593

-

-

-

-

-

-

-

-

-

-

-

637.612

11.213

b. Sudah Jatuh Tempo/Past Due 6.

Tagihan Lainnya/Other Receivable a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims on Securities purchased under agreements to resell (RR) b. Lainnya/Other

7.

Lain-lain/Others

B.

Kewajiban/Liabilities

626.399

386.509

10.522

124.860

102.839

32

1.638

-

1.

Dana Pihak Ketiga/ Third Party Funds

492.967

264.809

4.028

124.860

97.601

32

1.638

-

a. Giro/Current Accounts

193.826

193.826

-

-

-

-

-

-

37.368

37.368

-

-

-

-

-

-

261.773

33.615

4.028

124.860

97.601

32

1.638

-

b. Tabungan/Saving Accounts c. Simpanan Berjangka/Time Deposits 1) Deposito on call 2) Deposito berjangka/Time Deposits 3) Lainnya/Other

-

-

-

-

-

-

-

-

261.773

33.615

4.028

124.860

97.601

32

1.638

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.

Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia

3.

Kewajiban kepada bank lain/Liabilities on Other Bank

121.700

121.700

-

-

-

-

-

-

4.

Surat Berharga yang Diterbitkan/Securities Issued

-

-

-

-

-

-

-

-

a. Obligasi/Bonds

-

-

-

-

-

-

-

-

b. Subordinasi/Subordinated

-

-

-

-

-

-

-

-

c. Lainnya/Other

-

-

-

-

-

-

-

-

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

391 RISK MANAGEMENT



3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN VHFDUD.RQVROLGDVLGHQJDQ,QGLYLGXDO 7DEHOE 



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\ (Table 9.1.b) (Rp Million)

(Rp Juta)

3RVSRV Post

5.

6.

7.

6DOGR Balance

-DWXK7HPSR0DWXULW\ !PLQJJX !PLQJJX !EXODQ minggu bulan >1 -3 months >1 weeks - 2 >2 weeks- 1 weeks months

1 minggu 1 week

!EXODQ !EXODQ >3 - 6 months >6 - 12 months

> 12 bulan >12 months

Pinjaman yang Diterima/Borrowings

-

-

-

-

-

-

-

-

a. Pinjaman Subordinasi/Subordinated Borrowings

-

-

-

-

-

-

-

-

b. Lainnya/Other

-

-

-

-

-

-

-

-

Kewajiban Lainnya/Other Liabilities

11.732

-

6.494

-

5.238

-

-

-

a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/Liability for Securities sold under repurchase agreements (Repo)

11.732

-

6.494

-

5.238

-

-

-

b. Lainnya/Other

-

-

-

-

-

-

-

-

Lain-lain/Others

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.949.656

(2.636.565)

(1.822.487)

(1.768.779)

(348.849)

850.971

11.294.663

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(148.043)

&

6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD 'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQWKH%DODQFH 6KHHW

II.

Rekening Administratif/ Off-Balance Sheet

A.

7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH 6KHHW5HFHLYDEOHV

-

-

-

-

-

-

-

-

1.

Komitmen/Commitments

-

-

-

-

-

-

-

-

a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

-

-

-

-

-

-

-

-

b. Irrevocable L/C yang masih berjalan/Irrevocable L/C is still running

-

-

-

-

-

-

-

-

c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

-

-

-

-

-

-

1) Spot

-

-

-

-

-

-

-

-

2) Derivatif

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

436.445

13.043

2.461

1.255

30.244

188.122

165.159

36.160

68.889

-

-

-

1.714

65.834

1.298

43

d. Lainnya/Other 2.

Kontijensi/Contingencies

B.

.HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLILiabilities %DODQFH6KHHW

1.

Komitmen/Commitments

75

-

-

-

-

0

32

43

68.813

-

-

-

1.714

65.834

1.266

-

b. Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running

-

-

-

-

-

-

-

-

c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

-

-

-

-

-

-

1) Spot

-

-

-

-

-

-

-

-

2) Derivatif

-

-

-

-

-

-

-

-

367.557

13.043

2.461

1.255

28.530

122.288

163.861

36.118

-

-

-

-

-

-

-

(436.445)

(13.043)

(2.461)

(1.255)

(30.244)

(188.122)

(165.159)

(36.160)

-

-

-

-

-

-

-

(55.368)

(6.489)

(126.115)

(124.396)

(159.703)

(117.979)

5.562

(55.368)

(61.857)

(187.973)

(312.369)

(472.072)

(590.051)

(584.489)

a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

d. Lainnya/Other 2.

&

Kontijensi/Contingencies

6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ $GPLQLVWUDWLI'LIIHUHQFHLQ$FFRXQW5HFHLYDEOHV DQG3D\DEOHV$GPLQLVWUDWLYH (584.489) 6HOLVLK ,$,%  ,,$,,% 6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

392

MANAJEMEN RISIKO

E 1SPmM.BUVSJUBT7BMBTo#BOLTFDBSB,POTPMJEBTJ 

E .BUVSJUZQSPmMF3VQJBI$POTPMJEBUFE#BOL

3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN VHFDUD3HUXVDKDDQ$QDN 7DEHOE (Rp Juta) 3RVSRV Post

I.

6DOGR %DODQFH



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN &RQVROLGDWHG 7DEOHE (Rp Million) -DWXK7HPSR0DWXULW\

!PLQJJX !PLQJJX !EXODQ !EXODQ !EXODQ minggu bulan !PRQWKV !PRQWKV ! !ZHHNV !ZHHNV PRQWKV weeks PRQWKV

1 minggu 1 week

> 12 bulan !PRQWKV

Neraca/Balance Sheet

A.

Asset/Assets

478.355

344.184

6.494

-

8.686

28.450

48.819

41.722

1.

Kas/Cash

15.319

15.319

-

-

-

-

-

-

2.

Penempatan pada Bank Indonesia/Placement to Bank Indonesia

41.378

41.378

-

-

-

-

-

-

a. Giro/Current Accounts

41.378

41.378

-

-

-

-

-

-

b. SBI

-

-

-

-

-

-

-

-

c. Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo)

-

-

-

-

-

-

-

-

140.489

140.489

-

-

-

-

-

-

23.567

-

-

-

-

19.857

3.710

-

3.

Penempatan pada bank lain/Interbank placement

4.

Surat Berharga/Securities a. SUN

-

-

-

-

-

-

-

-

1) Diperdagangkan/trading

-

-

-

-

-

-

-

-

2) Tersedia untuk dijual/ available for sale

-

-

-

-

-

-

-

-

3) Dimiliki hingga jatuh tempo/held to maturity

-

-

-

-

-

-

-

-

4) Pinjaman yang diberikan dan piutang/ loans and receivables

-

-

-

-

-

-

-

-

b. Surat Berharga Korporasi/Corporate Securities

23.567

-

-

-

-

19.857

3.710

-

1) Diperdagangkan/trading

-

-

-

-

-

-

-

-

2) Tersedia untuk dijual/ available for sale

-

-

-

-

-

-

-

-

23.567

-

-

-

-

19.857

3.710

-

-

-

-

-

-

-

-

-

3) Dimiliki hingga jatuh tempo/held to maturity 4) Pinjaman yang diberikan dan piutang/ loans and receivables c. Lainnya/Other 5.

-

-

-

-

-

-

-

-

Kredit yang Diberikan/Loans

242.515

146.998

-

-

93

8.593

45.109

41.722

a. Belum Jatuh Tempo/Non Past Due

242.515

146.998

-

-

93

8.593

45.109

41.722

-

-

-

-

-

-

-

-

15.087

-

6.494

-

8.593

-

-

-

-

-

-

-

-

-

-

-

15.087

-

6.494

-

8.593

-

-

-

-

-

-

-

-

-

-

-

637.612

22.944

b. Sudah Jatuh Tempo/Past Due 6.

Tagihan Lainnya/Other Receivable a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims on Securities purchased under agreements to resell (RR) b. Lainnya/Other

7.

Lain-lain/Others

B.

Kewajiban/Liabilities

614.668

386.509

4.028

124.860

97.601

32

1.638

-

1.

Dana Pihak Ketiga/ Third Party Funds

492.968

264.809

4.028

124.860

97.601

32

1.638

-

a. Giro/Current Accounts

193.826

193.826

-

-

-

-

-

-

37.368

37.368

-

-

-

-

-

-

261.774

33.615

4.028

124.860

97.601

32

1.638

-

b. Tabungan/Saving Accounts c. Simpanan Berjangka/Time Deposits 1) Deposito on call 2) Deposito berjangka/Time Deposits 3) Lainnya/Other

-

-

-

-

-

-

-

-

261.774

33.615

4.028

124.860

97.601

32

1.638

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

121.700

121.700

-

-

-

-

-

-

-

-

-

-

-

-

-

-

a. Obligasi/Bonds

-

-

-

-

-

-

-

-

b. Subordinasi/Subordinated

-

-

-

-

-

-

-

-

c. Lainnya/Other

-

-

-

-

-

-

-

-

2.

Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia

3.

Kewajiban kepada bank lain/Liabilities on Other Bank

4.

Surat Berharga yang Diterbitkan/Securities Issued

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

393 RISK MANAGEMENT



3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN VHFDUD3HUXVDKDDQ$QDN 7DEHOE (Rp Juta) 3RVSRV Post

5.

6.

7.

6DOGR %DODQFH



'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN &RQVROLGDWHG 7DEOHE (Rp Million) -DWXK7HPSR0DWXULW\

!PLQJJX !PLQJJX !EXODQ !EXODQ !EXODQ minggu bulan !PRQWKV !PRQWKV ! !ZHHNV !ZHHNV PRQWKV weeks PRQWKV

1 minggu 1 week

> 12 bulan !PRQWKV

Pinjaman yang Diterima/Borrowings

-

-

-

-

-

-

-

-

a. Pinjaman Subordinasi/Subordinated Borrowings

-

-

-

-

-

-

-

-

b. Lainnya/Other

-

-

-

-

-

-

-

-

Kewajiban Lainnya/Other Liabilities

-

-

-

-

-

-

-

-

a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/Liability for Securities sold under repurchase agreements (Repo)

-

-

-

-

-

-

-

-

b. Lainnya/Other

-

-

-

-

-

-

-

-

Lain-lain/Others

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.949.656

(2.636.565)

(1.822.487)

(1.768.779)

(348.849)

850.971

11.294.663

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(136.313)

&

6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD 'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQWKH%DODQFH 6KHHW

II.

Rekening Administratif/ Off-Balance Sheet

A.

7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH 6KHHW5HFHLYDEOHV

-

-

-

-

-

-

-

-

1.

Komitmen/Commitments

-

-

-

-

-

-

-

-

a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

-

-

-

-

-

-

-

-

b. Irrevocable L/C yang masih berjalan/Irrevocable L/C is still running

-

-

-

-

-

-

-

-

c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

-

-

-

-

-

-

1) Spot

-

-

-

-

-

-

-

-

2) Derivatif

-

-

-

-

-

-

-

-

d. Lainnya/Other

-

-

-

-

-

-

-

-

Kontijensi/Contingencies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.

B.

.HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLILiabilities %DODQFH6KHHW

-

-

-

-

-

-

-

-

1.

Komitmen/Commitments

-

-

-

-

-

-

-

-

a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities

-

-

-

-

-

-

-

-

b. Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running

-

-

-

-

-

-

-

-

c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot and derivative

-

-

-

-

-

-

-

-

1) Spot

-

-

-

-

-

-

-

-

2) Derivatif

-

-

-

-

-

-

-

-

d. Lainnya/Other

-

-

-

-

-

-

-

-

Kontijensi/Contingencies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(42.325)

2.466

(124.860)

(88.915)

28.418

47.181

41.722

(42.325)

(39.859)

(164.719)

(253.634)

(225.216)

(178.035)

(136.313)

2.

&

6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ $GPLQLVWUDWLI'LIIHUHQFHLQ$FFRXQW5HFHLYDEOHV DQG3D\DEOHV$GPLQLVWUDWLYH (136.313)

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bank bjb Annual Report 2014

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394

MANAJEMEN RISIKO

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Risiko Operasional adalah risiko akibat ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, dan/atau adanya kejadiankejadian eksternal yang mempengaruhi operasional bank. Risiko operasional melekat kepada seluruh aktivitas bank, oleh karena itu risiko operasional tidak dapat dihilangkan namun dapat dikendalikan melalui mitigasi risiko yang memadai. Dampak kerugian dari risiko operasional dapat berupa kerugian keuangan atau kerugian non keuangan.

0QFSBUJPOBM SJTL JT SJTLT EVF UP JOTVGmDJFOU BOE PS failed internal processes, human error, system failure, and/ or the existence of external events affecting the operations of the bank. Operational risks are inherent to all bank activities, therefore operational risks can not be eliminated but can be controlled through adequate risk mitigations. The impact of operational risk losses DBO CF JO UIF GPSN PG mOBODJBM MPTT PS OPOmOBODJBM loss.

Bank melakukan tata kelola mengenai pengelolaan risiko operasional yang dilakukan melalui three line of defense yaitu risk taking unit sebagai lini pertahanan pertama, unit kerja Operational Risk Management sebagai lini pertahanan kedua, serta Internal Audit sebagai lini pertahanan ketiga.

The bank conducts governance on the management of operational risk, performed through the three line of EFGFOTF OBNFMZUIFSJTLUBLJOHVOJUBTUIFmSTUMJOFPG defense, the Operational Risk Management unit as the second line of defense, as well as the Internal Audit as the third line of defense.

Lini pertahanan pertama memiliki tanggung jawab untuk memastikan bahwa seluruh proses operasional yang dilakukan telah sesuai dengan kebijakan dan QSPTFEVS ZBOH CFSMBLV  NFMBLVLBO JEFOUJmLBTJ SJTJLP operasional serta melakukan mitigasi atas peristiwa kejadian risiko operasional. Lini pertahanan kedua yang berfungsi untuk mendukung dan memastikan unit kerja pada lini pertahanan pertama telah melakukan pengelolaan risiko secara efektif. Lini pertahanan ketiga memiliki peran untuk memastikan proses pengelolaan risiko operasional yang dilakukan oleh lini pertahanan pertama dan kedua telah berlangsung secara efektif dalam memitigasi kejadian risiko yang sudah terjadi maupun yang bersifat potensial agar tidak menimbulkan potensi kerugian bagi Bank.



 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Dewan Komisaris dan Direksi melakukan pengawasan aktif atas manajemen risiko operasional, antara lain melalui Komite Risiko baik yang berada pada level komisaris maupun direksi. Dalam pelaksanaan pengawasan aktif yang dilakukan Dewan Komisaris, dilakukan melalui Komite Pemantau Risiko. Sementara pada tingkat Direksi dilakukan melalui Komite Manajemen Risiko yang antara lain membahas mengenai

 $FWLYH6XSHUYLVLRQE\WKH%RDUGRI&RPPLVVLRQHUV DQGWKH%RDUGRI'LUHFWRUV The Board of Commissioners and the Board of Directors conduct active supervision on the management of operational risk at the level of both the commissioners and directors. In the implementation of active supervision conducted by the Board of Commissioners, is conducted by the Risk Monitoring Committee. While at the level of Directors is conducted by the Risk Management Committee which among other things discussed the bank’s risk management

bank bjb Laporan Tahunan 2014

5IF mSTU MJOF PG EFGFOTF IBT UIF SFTQPOTJCJMJUZ UP ensure that all operational processes are carried out in compliance with the applicable policies and QSPDFEVSFT DPOEVDUJOHPQFSBUJPOBMSJTLJEFOUJmDBUJPO as well as conducting mitigations on operational risk occurrence events. The second line of defense which TFSWFTUPTVQQPSUBOEFOTVSFUIFXPSLVOJUJOUIFmSTU line of defense has conducted the management of risk effectively. The third line of defense has a role to ensure that the operational risk management process DPOEVDUFE CZ UIF mSTU BOE TFDPOE MJOF PG EFGFOTF has been effective in mitigating risk events that have already occurred and that are potential in order to avoid the potential loss to the Bank.

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395 RISK MANAGEMENT

kebijakan manajemen risiko bank. Dalam rangka meminimalisir kejadian fraud, Direksi melakukan sosialisasi kepada seluruh karyawan mengenai pencegahan terkait fraud sebagai langkah untuk meningkatkan awareness karyawan mengenai kejadian fraud.

policies. In order to minimize the incidence of fraud, the Board of Directors performs disseminations to all employees regarding the preventions related to fraud as a way to increase employees’ awareness on the incidence of fraud.

Bank memiliki unit kerja independen yang melaksanakan pengelolaan manajemen risiko operasional secara bankwide yaitu Grup Risiko Operasional yang berada di bawah Divisi Manajemen Risiko. Unit ini memiliki peran dalam menetapkan standar dan kebijakan pengelolaan risiko operasional, dan berhubungan serta berkoordinasi dengan seluruh unit bisnis dan supporting unit untuk memastikan langkah mitigasi yang dilakukan telah cukup dan memadai untuk mencegah potensi risiko operasional.

The Bank has an independent unit carrying out the bankwide management of operational risk management, namely the Operational Risk Group which is under the Risk Management Division. This unit has a role in setting operational risk management standards and policies, and have relations and coordinations with all business units and supporting units to ensure that the mitigation measures conducted IBWFCFFOTVGmDJFOUBOEBEFRVBUFUPQSFWFOUQPUFOUJBM operational risks.

Bank melakukan pengelolaan risiko operasional pada seluruh aktivitas, dimana seluruh karyawan wajib berperan serta dalam mengelola risiko operasional pada unit kerja masing-masing serta memperhatikan kontrol yang efektif untuk mengantisipasi kemungkinan terjadinya risiko yang dapat merugikan bank.

The Bank manages operational risk in all activities, in which all employees are required to participate in managing operational risk in their respective work unit as well as with regards to effective control to anticipate risks that may be detrimental to the bank.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Bank telah memiliki kebijakan serta pedoman manajemen risiko operasional yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Selain itu bank juga telah memiliki kebijakan lain terkait manajemen risiko operasional, diantaranya kebijakan anti fraud, kebijakan Business Continuity Management yang didalamnya meliputi Business Continuity Plan sebagai prosedur kelangsungan usaha Bank, Emergency Response Plan sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi, Kebijakan pengelolaan Teknologi Informasi. Disamping itu terkait dengan kebijakan pengembangan produk dan aktivitas baru terlebih dahulu dilakukan analisa untuk menilai risiko yang melekat terhadap aktivitas/produk tersebut.

 $GHTXDF\RI3ROLF\3URFHGXUHDQG(VWDEOLVKPHQW of Limit The bank has an operational risk management policy and guidelines that are updated and evaluated regularly on the bank’s risk management policies and guidelines. In addition, the bank also has other policies related to the management of operational risk, including anti-fraud policy, the Business Continuity Management policy in which includes the Business Continuity Plan as the Bank’s business continuity procedures, Emergency Response Plan as an emergency response procedures in order to rescue data and assets as well as the Disaster Recovery Plan as the system sustainability procedures, and Information Technology supporting infrastructures, the Information Technology management Policies. In addition, related to the new products and activities development, prior analysis to assess the risks inherent to the activity/product is conducted.

bank bjb Annual Report 2014

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396

MANAJEMEN RISIKO

Bank memiliki prosedur operasional untuk proses aktivitas kegiatan operasional bank yang harus dilaksanakan oleh setiap unit kerja dengan memperhatikan sistem pengendalian intern yang memadai sehingga dapat meminimalisir kemungkinan terjadinya risiko operasional pada bank. Selain itu bank memiliki kebijakan terkait limit kewenangan dalam kegiatan operasional, pemisahan tugas dan tanggung jawab pada setiap level jabatan, serta adanya approval untuk setiap eskalasi.

The Bank has an operational procedure for the activities of bank operations to be performed by each unit of work by observing an adequate internal control system so as to minimize the likelihood of operational risk at the bank. In addition the bank has a policy related to the operations of the authority limit, separation of duties and responsibilities at each level positions, as well as the approval for any escalation.

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam mendukung penerapan majemen risiko PQFSBTJPOBMVOUVLQSPTFTJEFOUJmLBTJ QFOHVLVSBO  pemantauan, dan pengendalian Risiko, bank telah mengembangkan alat bantu manajemen risiko yaitu: - Risk Control Self Assessment (RCSA) merupakan penilaian sendiri untuk mengukur eksposur risiko dari kumpulan risk register sebagai analisis potensi risiko dari kegiatan operasional bank. Penilaian RCSA mencakup assessment untuk sistem pengendalian risiko yang telah diimplementasikan bank - Key Risk Indicator merupakan tools yang digunakan untuk mengukur eksposur risiko melalui pengukuran terhadap indikator risiko yang ditetapkan sebagai key risk sebagai early warning dalam mendeteksi potensi-potensi risiko. - Loss Event Database merupakan pengumpulan data peristiwa risiko yang terjadi. Data ini bertujuan sebagai pemenuhan internal loss database sehingga bank memiliki data kerugian yang pernah terjadi pada bank selain itu data tersebut juga dapat digunakan untuk pengukuran kecukupan modal dengan metode yang lebih advance.

 $GHTXDF\RI,GHQWLÀFDWLRQ3URFHVV0HDVXUHPHQW 0RQLWRULQJ DQG 5LVN &RQWURO DV ZHOO DV 5LVN Management Information System In support of the application of operational risk NBOBHFNFOU GPS UIF QSPDFTT PG JEFOUJmDBUJPO  measurement, monitoring, and controlling risks, the bank has developed risk management instruments, namely: - Risk Control Self Assessment (RCSA) which is a self- assessment to measure the risk exposure of a set of risk registers as an analysis of the potential risks of bank operations. RCSA assessment includes an assessment of the risk control system which has been implemented in the bank - Key Risk Indicator is a tool that is used to measure the risk exposure through measurement against risk indicators that are set as key risks as an early warning in detecting potential risks. - Loss Event Database is a data collection of occurred risk events. This data is intended as a GVMmMMNFOU PG JOUFSOBM MPTT EBUBCBTF UIFSFGPSF UIF bank has the data of loss which occurred to the bank, in addition the data can also be used for the measurement of capital adequacy with more advanced methods.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

397 RISK MANAGEMENT

Disamping itu bank telah menjadi anggota Konsorsium Data Kerugian Eksternal (KDKE), dimana dalam konsorsium tersebut menyediakan database risk event yang terjadi pada bank lain yang tergabung dalam konsorsium tersebut dengan tetap menjaga kerahasian bank tersebut. Keikutsertaan dalam konsorsium tersebut merupakan salah satu cara untu melakukan JEFOUJmLBTJ SJTJLP TFSUB NFOJOHLBULBO awareness terhadap risk event yang terjadi pada bank lain. 

In addition, the bank has become a member of the External Data Loses Consortium (KDKE), in which the consortium provides a database of risk events which occurred at other banks that are members of UIFDPOTPSUJVNXIJMFNBJOUBJOJOHUIFDPOmEFOUJBMJUZPG the bank. Participation in the consortium is one way UP DPOEVDU B SJTL JEFOUJmDBUJPO BT XFMM BT JODSFBTJOH awareness on risk event which occurred at other banks.

1SPTFT JEFOUJmLBTJ  QFOHVLVSBO  QFNBOUBVBO dan pengendalian risiko operasional tersebut diperlukan dukungan infrastruktur dan sumber daya manusia yang memadai sesuai dengan lingkup dan kompleksitas bisnis bank.



To assess operational risk associated with capital allocation and the RWA of operational risk, the bank performed calculations with the Basic Indicator Approach method in accordance with the provisions of the regulator.

Untuk pengukuran risiko operasional yang terkait dengan alokasi modal dan ATMR risiko operasional, maka bank dilakukan perhitungan dengan metode Basic Indicator Approach sesuai dengan ketentuan dari regulator. 

5IF QSPDFTT PG JEFOUJmDBUJPO  NFBTVSFNFOU  monitoring and operational risk control requires the support of necessary infrastructures and adequate human resources in accordance with the scope and complexity of the bank’s business.

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No

(1) 1

Kategori Portofolio/Portfolio &DWHJRU\

(2) Pendekatan Indikator Dasar/ Basic Indicator Approach

'HVHPEHU'HFHPEHU 3HQGDSDWDQ %UXWR 5DWD UDWDWDKXQ WHUDNKLU Gross Income (average last 3 years)

%HEDQ0RGDO Capital Charge

(3)

(4)

3.841.955

576.293

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(1) 1

Kategori Portofolio/Portfolio &DWHJRU\

(2) Pendekatan Indikator Dasar/ Basic Indicator Approach

%HEDQ0RGDO Capital Charge

(5)

(6)

(7)

7.203.666

3.335.531

500.330

ATMR/RWA

(8) 6.254.121

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'HVHPEHU'HFHPEHU 3HQGDSDWDQ %UXWR 5DWD UDWDWDKXQ WHUDNKLU Gross Income (average last 3 years)

%HEDQ0RGDO Capital Charge

(3)

(4)

3.841.955

'HVHPEHU'HFHPEHU 3HQGDSDWDQ %UXWR 5DWD UDWDWDKXQ WHUDNKLU Gross Income (average last 3 years)

ATMR/RWA

576.293

'HVHPEHU'HFHPEHU 3HQGDSDWDQ %UXWR 5DWD UDWDWDKXQ WHUDNKLU Gross Income (average last 3 years)

%HEDQ0RGDO Capital Charge

(5)

(6)

(7)

7.203.666

3.335.531

ATMR/RWA

500.330

ATMR/RWA

(8) 6.254.121

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

398

MANAJEMEN RISIKO

Dalam penyajian informasi mengenai risiko operasional yang dihadapi, bank telah menyusun beberapa pelaporan mengenai eksposur SJTJLP PQFSBTJPOBM EJBOUBSBOZB ZBJUV QSPmM SJTJLP operasional secara bankwide yang disusun secara berkala, selain itu bank juga membuat laporan secara rutin mengenai kejadian risiko operasional berdasarkan data yang diperoleh dari tools manajemen risiko, terdapat juga laporan risiko secara insidental yang dibuat sesuai dengan kebutuhan berdasdarkan risk event yang terjadi.

In presenting the information on operational risks faced, the bank has developed a number reports on operational risk exposure among others, CBOLXJEF PQFSBUJPOBM SJTL QSPmMF UIBU JT QSFQBSFE periodically, in addition, the bank also create reports on a regular basis on operational risk events based on data obtained from the risk management tools, there are also incidental risk reports that are made in accordance with the requirements based on occurring risk events.

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK  6LVWHPSHQJHQGDOLDQLQWHUQDOGDODPSHQHUDSDQ PDQDMHPHQULVLNRPHQFDNXS • Prosedur operasional yang sesuai dengan proses aktivitas kegiatan operasional bank sehingga dapat meminimalisir kemungkinan terjadinya risiko operasional pada bank. • Kebijakan terkait limit kewenangan dalam kegiatan operasional, pemisahan tugas dan tanggung jawab pada setiap level jabatan, serta adanya approval untuk setiap eskalasi. • Pemisahan fungsi yang jelas antara antara unit bisnis dan unit pendukung dengan unit yang melaksanakan fungsi pengendalian.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP  7KH LQWHUQDO FRQWURO V\VWHP LQ WKH LPSOHPHQWDWLRQRIULVNPDQDJHPHQWLQFOXGH • Operational procedures that are in accordance with the activities of bank operations so as to minimize the likelihood of the bank’s operational risk. • Policies related to the limit authority in operational activities, separation of duties and responsibilities at each level positions, as well as the existence of approval for any escalation. • A clear separation of functions between the business units and the supporting units with units that perform the control functions.

E. Risiko Hukum

E. Legal Risk

Risiko Hukum adalah risiko akibat tuntutan hukum dan/atau kelemahan aspek yuridis. Kelemahan aspek yuridis antara lain disebabkan adanya tuntutan hukum, ketiadaan peraturan perundang-undangan yang mendukung, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan agunan yang tidak sempurna. Risiko hukum antara lain dapat bersumber dari pada operasional, perjanjian dengan pihak ketiga, ketidakpastian hukum dan kelalaian penerapan hukum, hambatan dalam proses litigasi untuk penyelesaian klaim, serta masalah yurisdiksi antar negara.

Legal risk is the risk due to lawsuits and/or weakness in the juridical aspects. Weakness in the juridical aspects are among others due to lawsuit, the absence of supporting laws and regulations, or contract weaknesses such as non-compliance with the terms of the contract’s validity and imperfect collateral contract. Legal risks can be derived from, among others, the operation, the agreement with the third party, legal uncertainties and the negligence in the application of the law, the obstacles in the litigation process for the settlement of claims, as well as jurisdictional issues between countries.

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Para pihak yang berkepentingan terkait dengan risiko hukum yaitu Dewan Komisaris, Direksi dan

 $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV Stakeholders associated with the legal risk are the Board of Commissioners, Directors and all

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

399 RISK MANAGEMENT

seluruh karyawan bank, dimana para pihak tersebut bertanggung jawab dalam pengelolaan risiko hukum. Dewan Komisaris dan Direksi memantau risiko hukum antara lain melalui pelaporan risiko hukum serta laporan lainnya yang berkaitan dengan legal. Dalam pelkasanaan pengelolaan risiko hukum bank telah memiliki unit kerja khusus yang menangani permasalahan di bidang hukum yang terdiri dari bagian litigasi dan non litigasi. Unit yang menjalankan fungsi pengelolaan tersebut risiko hukum tersebut adalah Divisi Hukum yang berada di bawah Direktorat Operasional dan telah terpisah dari fungsi pengelolaan risiko kepatuhan.

employees of the bank, where the parties are responsible for the management of legal risk. The Board of Commissioners and the Board of Directors monitors the legal risks, among others, through the legal risk reporting and other reports relating to legal. In the implementation of legal risk management, the bank has a special unit that handles legal issues which consists of litigation and non-litigation division. The units performing the legal risk management function is the Legal Division which is under the Directorate of Operations and has been separated from the compliance risk management functions.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Bank telah memiliki kebijakan serta pedoman Manajemen risiko hukum yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Selain itu bank juga telah memiliki kebijakan dan prosedur dalam pengelolaan di bidang hukum untuk memastikan bahwa aktivitas bank telah sesuai dengan ketentuan perundangundangan serta peraturan lainnya yang berlaku, sehingga bank dapat terhindar dari risiko hukum.

 $GHTXDF\ RI 3ROLF\ 3URFHGXUH DQG (VWDEOLVKPHQWRI/LPLW The bank has a legal risk management policy and guidelines that are updated and evaluated regularly on the bank’s risk management policies and guidelines. In addition, the bank also has other policies related to the management of legal risk to ensure that the bank’s activities have been in accordance with the provisions of the regulations as well as other applicable legislations, therefore the bank will be able to avoid legal risks.

Selain itu bank telah memiliki standardisasi dokumen hukum bagi produk dan layanan bank yang dilakukan review secara berkala sesuai dengan perkembangan bisnis bank. Bank juga melakukan kajian risiko hukum untuk setiap produk dan aktivitas baru sebagai langkah untuk memitigasi risiko hukum.

In addition, the bank has had a standardized legal documents for products and services of the bank which are reviewed on a regular basis in accordance with the bank’s business development. The bank also perform legal risk assessments for each new products and activities as a measure to mitigate the legal risk.

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam kecukupan proses penerapan manajemen SJTJLP  CBOL NFMBLVLBO JEFOUJmLBTJ  QFOHVLVSBO  pemantauan dan pengendalian atas risiko hukum oleh Divisi Hukum. Divisi Hukum tersebut bertindak sebagai “legal watch” yang menyediakan analisis/ advis hukum kepada seluruh pegawai pada setiap jenjang organisasi, selain itu juga berfungsi dalam

 $GHTXDF\ LQ WKH 3URFHVV RI ,GHQWLÀFDWLRQ 0HDVXUHPHQW0RQLWRULQJDQG5LVN&RQWURODV well as Risk Management Information System In terms of the adequacy of risk management implementation process, the bank conducts JEFOUJmDBUJPO  NFBTVSFNFOU  NPOJUPSJOH BOE control of legal risk through the Legal Division. The Legal Division acts as a “legal watch” that provides analysis/ legal advice to all employees at every level of the organization, also serves to provide a

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

400

MANAJEMEN RISIKO

memberikan opini legal dalam setiap perjanjian kerja sama yang akan dilakukan oleh bank. Bank dalam melakukan pengelolaan risiko hukum dibantu oleh konsultan hukum untuk penanganan kasus hukum yang terjadi, dimana hal tersebut dilakukan untuk memitigasi dampak risiko hukum yang lebih luas.

legal opinion on any collaboration agreement to be performed by the bank. In managing the legal risk, the bank is assisted by a legal counsel for the handling of legal issues that occur, in which it is conducted to mitigate the impact of a broader legal risks.

Dalam melakukan pengendalian risiko hukum bank melakukan beberapa hal diantaranya yaitu: - Proses kajian hukum dan pemberian opini atas produk serta layanan bank termasuk aktivitas dan produk baru - Terdapat standardisasi dokumen hukum bagi produk dan layanan bank - Kaji ulang terhadap dokumen-dokumen legal yang berlaku yang disesuaikan dengan perkembangan bisnis - Kebijakan dan prosedur hukum yang memadai - Melakukan penanganan kasus hukum yang dibantu juga oleh konsultan hukum apabila diperlukan - Membantu unit-unit terkait dalam penanganan kasus hukum - Memberikan informasi dan pengetahuan hukum kepada unit-unit terkait - Mendokumentasikan setiap kejadian risiko hukum dan jumlah potensi kerugian akibat risiko hukum tersebut.

In conducting the legal risk control, the bank conducts several things such as: - Legal review process and providing opinion on the bank’s products and services including new activities and products - Standardized legal documents for the bank’s products and services - Review of the prevailing legal documents that are tailored to the business development - Adequate legal policies and procedures - Handling legal cases which is also assisted by legal counsel if necessary - Assist related units in handling legal cases - Provide legal information and knowledge to relevant units - Document every legal risk occurrence and the amount of potential loss due to the legal risks

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK Sistem pengendalian internal yang menyeluruh dalam proses pelaksanaan manajemen risiko hukum dilaksanakan secara berkala oleh Divisi Hukum dan berkoordinasi dengan Satuan Kerja Manajemen Risiko dan Satuan Kerja Audit Internal.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP Comprehensive internal control system in the implementation process of the legal risk management is conducted periodically by the Legal Division and in coordination with the Risk Management Unit and the Internal Audit Unit.

) 5LVLNR.HSDWXKDQ Risiko Kepatuhan adalah risiko akibat bank tidak memenuhi dan/atau tidak melaksanakan peraturan perundang-undangan dan ketentuan yang berlaku. Pengelolaan risiko kepatuhan dilakukan melalui penerapan sistem pengendalian intern yang konsisten.

bank bjb Laporan Tahunan 2014

) &RPSOLDQFH5LVN Compliance risk is the risk due to the inability of the bank to comply and/or implement the applicable legislations and regulations. Compliance risk management is conducted through the application of a consistent internal control system.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

401 RISK MANAGEMENT

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Para pihak yang berkepentingan terkait dengan risiko Kepatuhan yaitu Dewan Komisaris, Direksi dan seluruh karyawan bank, dimana para pihak tersebut bertanggungjawab dalam pengelolaan risiko kepatuhan. Penerapan prinsip dan budaya kepatuhan dimulai dari komitmen Dewan komisaris dan Direksi untuk memenuhi seluruh ketentuan yang berlaku. Kepatuhan terhadap ketentuan dan peraturan yang berlaku merupakan tanggung jawab dari seluruh jajaran organisasi termasuk Dewan Komisaris, Direksi dan seluruh karyawan.

 $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV Stakeholders associated with the Compliance risk are the Board of Commissioners, Directors and all employees of the bank, where the parties are responsible for the management of compliance risk. Application of the compliance principles and culture starts from the commitment of the Board of Commissioners and the Board of Directors to comply with all applicable regulations. Compliance to the applicable rules and regulations is the responsibility of all levels of the organization including the Board of Commissioners, the Board of Directors, and all employees.

Struktur organisasi dalam melakukan pengelolaan risiko kepatuhan, bank telah membentuk unit kerja kepatuhan yaitu Divisi Kepatuhan yang bertanggung jawab untuk memastikan bahwa seluruh unit yang ada di bank telah mematuhi pada peraturan-peraturan tersebut. Sementara penanggung jawab atas kepatuhan suatu unit terhadap setiap peraturan yang berlaku berada pada setiap risk taking unit.

The organizational structure in managing compliance risk, the bank has established a compliance unit, namely the Compliance Division which is responsible to ensure all units in the bank has complied with these regulations. While the party Responsible for the compliance of a unit to any applicable regulations are in each risk taking unit.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Bank telah memiliki kebijakan serta pedoman Manajemen risiko kepatuhan yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Selain itu bank juga telah memiliki kebijakan mengenai Kebijakan Program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) yang diantaranya membahas mengenai transaksi-transaksi yang mencurigakan serta pengkinian data nasabah, ,FCJKBLBO NFOHFOBJ 1FOHFOEBMJBO (SBUJmLBTJ yang bekerja sama dengan Komisi Pemberantasan Korupsi (KPK) dan terdapat Prosedur Kepatuhan untuk unit kerja.

 $GHTXDF\ RI 3ROLF\ 3URFHGXUH DQG (VWDEOLVKPHQWRI/LPLW The bank has a compliance risk management policy and guidelines that are updated and evaluated regularly on the policies and guidelines of the bank’s risk management. In addition, the bank also has a policy regarding the Anti Money Laundering (AML) and Countering the Financing of Terrorism (CFT) Policy, in which discussed among others suspicious transactions as well as updating the customer data, Policy on Gratuity Control in cooperation with the Corruption Eradication Commission (KPK) and the presence of the Compliance Procedure for work units.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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Bank telah memiliki kebijakan mengenai pelaporan kepatuhan melalui compliance sheet kepada unit kerja terkait. Selain itu terkait dengan produk dan aktivitas baru terlebih dahulu dilakukan analisa untuk menilai kepatuhan terhadap ketentuan yang berlaku dalam penerbitan produk/aktivitas tersebut.

The bank has a policy in reporting compliance through the compliance sheet to related units. In relations to new products and activities, analysis to assess compliance with the applicable provisions is conducted prior to the issuance of the product/ activity.

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam kecukupan penerapan proses manajemen SJTJLP  CBOL NFMBLVLBO JEFOUJmLBTJ  QFOHVLVSBO  pemantauan dan pengendalian atas risiko kepatuhan melalui risk taking unit. Dalam NFMBLVLBOJEFOUJmLBTJTFSUBQFOHVLVSBOBUBTSJTJLP kepatuhan dilakukan oleh unit kerja kepatuhan dengan melakukan pemantauan atas penerapan kepatuhan di semua unit kerja.

 $GHTXDF\ LQ WKH 3URFHVV RI ,GHQWLÀFDWLRQ 0HDVXUHPHQW0RQLWRULQJDQG5LVN&RQWURODV well as Risk Management Information System In the process of risk management adequacy, UIF CBOL DPOEVDUT JEFOUJmDBUJPO  NFBTVSFNFOU  monitoring and control of compliance risk through UIF SJTL UBLJOH VOJU *O UIF JEFOUJmDBUJPO BOE measurement of the compliance risk carried out by the compliance unit to monitor the implementation of compliance in all work units.

Dalam melakukan pengendalian risiko kepatuhan bank melakukan beberapa hal diantaranya yaitu: - Melakukan kajian terhadap kebijakan dan prosedur internal bank, serta pengajuan produk dan aktivitas baru - Melakukan sosialisasi peraturan dan perundang-undangan yang berlaku kepada karyawan untuk mendukung terciptanya budaya kepatuhan. - Melakukan pemantauan atas pelaksanaan prinsip kehati-hatian bank. - Melakukan pemantauan atas Risiko Kepatuhan. - Implementasi Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APUPPT)  5FSEBQBU LFCJKBLBO QFOHFOEBMJBO HSBUJmLBTJ ZBOH EJLFMPMB 6OJU 1FOHFOEBMJBO (SBUJmLBTJ yang bekerja sama dengan Komisi Pemberantasan Korupsi (KPK) termasuk sosialisasi kepada karyawan untuk meningkatkan awareness karyawan terkait QFOHFOEBMJBOHSBUJmLBTJ - Melakukan sosialisasi atas peraturan eksternal terbaru kepada unit kerja.

In controlling compliance risk, the bank conducts several things such as: - Reviewing of the bank’s internal policies and procedures, as well as the proposal of new products and activities - Socializing the applicable rules and regulations to employees to support the creation of a culture of compliance. - Monitoring the implementation of the bank’s prudent principles. - Monitoring the Compliance Risk. - Implementation of the Anti-Money Laundering and Countering the Financing of Terrorism (AML-CFT) - The existence of gratuity control policies managed by the Gratuity Control Unit in cooperation with the Corruption Eradication Commission (KPK) including dissemination to employees to increase employees’ awareness regarding gratuity control. - Socializing the latest external regulations to the work units.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

403 RISK MANAGEMENT

Dalam penyajian informasi mengenai risiko kepatuhan yang dihadapi, bank telah menyusun beberapa pelaporan-pelaporan mengenai FLTQPTVSSJTJLPLFQBUVIBOEJBOUBSBOZBZBJUVQSPmM risiko kepatuhan secara bankwide yang disusun secara berkala, selain itu bank juga membuat laporan secara rutin mengenai kejadian risiko kepatuhan berdasarkan data yang diperoleh dari tools manajemen risiko, terdapat juga laporan penerapan kepatuhan kepada manajemen

In presenting information on compliance risks faced, the bank has developed a number of reportings on compliance risk exposure among others bankwide DPNQMJBODF SJTL QSPmMF UIBU JT DSFBUFE QFSJPEJDBMMZ  JO addition, the bank also prepares regular reports on compliance risk events based on data obtained from the risk management’s tools, there are also reports of adherence implementation to the management

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK Sistem pengendalian internal yang menyeluruh dalam proses pelaksanaan manajemen risiko hukum dilaksanakan secara berkala oleh Divisi Kepatuhan dan berkoordinasi dengan Satua Kerja Manajemen Risiko dan Satuan Kerja Audit Internal.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP A comprehensive internal control system in the process of legal risk management implementation is carried out periodically by the Compliance Division in coordination with the Risk Management Unit and the Internal Audit Unit.

G. Risiko Stratejik

* 6WUDWHJLF5LVN

Risiko Stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan perubahan lingkungan bisnis. Risiko ini timbul antara lain karena bank menerapkan strategi yang kurang sejalan dengan visi dan misi bank, melakukan analisis lingkungan stratejik yang kurang komprehensif dan/atau terdapat ketidaksesuaian rencana stratejik. Selain itu risiko stratejik juga timbul karena kegagalan dalam mengantisipasi perubahan lingkungan bisnis, mencakup kegagalan dalam mengantisipasi perubahan teknologi, perubahan kondisi ekonomi makro, dinamika kompetisi di pasar, dan perubahan kebijakan dari regulator.

Strategic risk is the risk due to inaccuracies in the making and/ or implementation of a strategic decision as well as failure to anticipate changes in the business environment. This risk arises partly because the bank’s strategy is not in line with the bank’s vision and mission, strategic environmental analysis that is less comprehensive, and/ or a strategic plan mismatch. In addition, strategic risk also arises due to the failure to anticipate changes in the business environment, including failures to anticipate changes in technology, changes in the macroeconomic conditions, the competition dynamics in the market, and policy changes from the regulator.

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Dewan Komisaris dan Direksi melakukan penetapan serta pengarahan mengenai strategi bisnis bank sesuai dengan tugas dan kewenangannya. Dalam melakukan strategi bisnis tersebut disesuaikan dengan tingkat risiko yang dapat diterima oleh bank. Selain itu, Bank juga melakukan penyesuaian

 $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV The Board of Commissioners and the Board of Directors determine as well as direct the bank’s business strategy in accordance with their duties and authority. In its implementation, the business strategy is tailored to the level of risk that is tolerable by the bank. In addition, the Bank also

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

404

MANAJEMEN RISIKO

strategi-strategi jangka pendek, jangka menengah maupun jangka panjang sejalan dengan arah bisnis dan perkembangan kondisi internal serta perkembangan kondisi eksternal.

performs adjustments to short term, medium term and long term strategies in line with the direction of the business and the development of internal and external conditions.

Dalam menerapkan strategi bisnis tersebut dituangkan dalam rencana bisnis bank (RBB) yang penyusunannya ditetapkan oleh Direksi dengan meminta persetujuan dari Dewan Komisaris. Direksi mengarahkan kepada masing-masing unit kerja untuk mengimplementasikan rencana bisnis bank tersebut untuk mencapai tujuan yang telah ditetapkan.

In the implementation, the business strategies are outlined in the bank’s business plan (RBB), in which the preparation was determined by the Board of Directors and requesting the approval of the Board of Commissioners. The Board of Directors directs each work unit to implement the bank’s business plan to achieve its intended purpose.

Dalam melakukan pengelolaan strategi bank, Direksi dibantu oleh Divisi Perencanaan Strategis dalam memonitor implementasi strategi bank termasuk implementasi rencana bisnis bank. Selain itu dilakukan analisa implementasi rencana bisnis dan melaporkan hasil analisa kepada Direksi.

In conducting the bank’s strategy management, the Board of Directors is assisted by the Strategic Planning Division in monitoring the implementation of the bank’s strategy, including the implementation of the bank’s business plan. Furthermore, the business plan implementation analysis and the reporting of the analysis results to the Board of Directors are also conducted.

Seluruh unit bisnis/unit pendukung bertanggung jawab dalam membantu Direksi menyusun perencanaan stratejik dan mengimplementasikan strategi yang telah ditetapkan secara efektif. Unit-unit tersebut juga bertanggung jawab untuk memastikan bahwa pengelolaan risiko stratejik telah sesuai dengan kebijakan yang telah ditetapkan.

All busines/ supporting units are responsible for assisting the Board of Directors to prepare the strategic planning and implementing the determined strategy effectively. These units are also responsible for ensuring that the strategic risk management is in accordance with the established policy.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Bank telah memiliki kebijakan serta pedoman manajemen risiko stratejik yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Penyusunan rencana bisnis bank (RBB) merupakan perencanaan strategis untuk mencapai tujuan yang telah bank tetapkan. Sehingga dalam penyusunan kebijakan disesuaikan dengan rencana bisnis bank yang dapat mendukung dalam pencapaian tujuan strategis bank.

 $GHTXDF\ RI 3ROLF\ 3URFHGXUH DQG (VWDEOLVKPHQWRI/LPLW The bank has had strategic risk management policies and guidelines that are updated and evaluated regularly on policies and guidelines of the bank’s risk management. The preparation of the bank’s business plan (RBB) is a strategic planning to achieve the goals that have been set by the bank. Thus, the preparation of policies are tailored to the bank’s business plan to support the achievement of the strategic objectives of the bank.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

405 RISK MANAGEMENT

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam kecukupan penerapan proses manajemen SJTJLP  CBOL NFMBLVLBO JEFOUJmLBTJ  QFOHVLVSBO  pemantauan dan pengendalian atas risiko TUSBUFKJL#BOLNFMBLVLBOJEFOUJmLBTJ QFOHVLVSBO dan pemantauan risiko stratejik dengan melakukan pemantauan atas pencapaian kinerja bank dengan rencana bisnis bank yang telah ditetapkan, selain itu bank memperhatikan perubahan kondisi lingkungan bisnis untuk dilakukan penyesuaian kepada strategi yang akan diambil oleh bank, bank melakukan pengembangan bisnis dengan memperhatikan tingkat risiko yang dapat diterima oleh bank, serta melakukan pemantauan terhadap posisi bisnis bank.

 $GHTXDF\ LQ WKH 3URFHVV RI ,GHQWLÀFDWLRQ 0HDVXUHPHQW0RQLWRULQJDQG5LVN&RQWURODV well as Risk Management Information System In terms of adequacy of risk management process implementation, the bank performs JEFOUJmDBUJPO  NFBTVSFNFOU  NPOJUPSJOH BOE control on strategic risks. The bank conducts JEFOUJmDBUJPO  NFBTVSFNFOU BOE NPOJUPSJOH of strategic risks by monitoring the bank’s performance achievement with the bank’s business plan which has been established, in addition, the bank considers changes in the business environment to perform adjustments to the strategies which will be adopted by the bank, the bank conducts business developments by taking into account the level of risks that can be accepted by the bank, as well as monitoring the bank’s business position.

Adapun upaya pengendalian yang dilakukan untuk risiko stratejik adalah dengan melakukan analisa atas pencapaian kinerja bank, mengambil langkahlangkah stratejik yang dirasa perlu sebagai respon terhadap perubahan kondisi bisnis, melakukan business review atas pencapaian kinerja bisnis secara berkala.

Meanwhile, control efforts conducted for the strategic plan are by conducting the bank’s performance achievement analysis, taking strategic steps deemed necessary in response to the changing business conditions, conducting business reviews on the achievement of the business performance on a regular basis.

 6LVWHP3HQJHQGDOLDQ,QWHUQ
 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP In internal control for strategic risk, the bank involves all its business lines as well as control activities that are also monitored by the Risk Management Unit and the Internal Audit Unit.

+ 5LVLNR5HSXWDVL Risiko Reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif terhadap bank. Hal ini antara lain disebabkan oleh adanya pemberitaan media dan/ atau rumor mengenai Bank yang bersifat negatif, serta adanya komunikasi bank yang kurang efektif.

+ 5HSXWDWLRQ5LVN Reputation risk is the risk due to the reduced levels of TUBLFIPMEFSTDPOmEFODFUIBUPSJHJOBUFTGSPNOFHBUJWF perceptions of the bank. This is partly due to the presence of negative media and/or rumors about the Bank, as well as the bank’s communication that is not very effective.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ Analisa & Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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MANAJEMEN RISIKO

 3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ 'LUHNVL Dewan Komisaris dan Direksi memantau mengenai efektivitas penerapan Manajemen Risiko Reputasi di Bank. Terkait wewenang dan tanggung jawab pengawasan aktif Dewan Komisaris dan Direksi bank bjb, Dewan Komisaris dan Direksi selalu memperoleh informasi yang jelas mengenai evaluasi dan penerapan manajemen risiko eksposur risiko reputasi.

 $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV The Board of Commissioners and the Board of Directors monitor the effectiveness of the Reputation Risk Management in the Bank. In relations to the Active Supervision of authorities and responsibilities by the Board of Commissioners and Directors of bank bjb, the Board of Commissioners and Directors always obtain clear information on the evaluation and implementation of the risk exposure of the reputation risk management.

Struktur organisasi untuk melakukan pengelolaan terhadap risiko reputasi, bank telah membentuk unit kerja tersendiri yang mengelola risiko reputasi yaitu Divisi Corporate Secretary dan Divisi Jaringan dan Layanan, unit kerja tersebut berfungsi untuk melakukan pengelolaan terhadap reputasi bank dan mengatur mengenai standar layanan di kantor cabang sebagai langkah untuk memitigasi risiko reputasi.

The organizational structure for managing the reputation risk, the bank has established a separate unit to manage the reputation risk, namely the Corporate Secretary Division and the Network and Services Division, these units serve to manage the bank’s reputation and determine UIFTUBOEBSETPGTFSWJDFJOCSBODIPGmDFTBTBTUFQ to mitigate the reputation risk.

 .HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ Limit Bank telah memiliki kebijakan serta pedoman Manajemen risiko reputasi yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Bank juga telah memiliki kebijakan mengenai standar pelayanan yang harus dilakukan oleh unit kerja operasional, hal tersebut dilakukan untuk meminimalisir terjadinya risiko reputasi akibat kurang memadainya pelayanan bank, terdapat juga kebijakan mengenai penanganan keluhan nasabah. Selain itu bank telah memiliki call center sebagai sarana untuk melayani masyarakat yang membutuhkan jasa perbankan serta penyampaian permasalahan terkait dengan bank. Terkait hubungan dengan pihak investor bank telah memiliki unit kerja investor relationship yang melakukan komunikasi dengan pihak investor.

 $GHTXDF\ RI 3ROLF\ 3URFHGXUH DQG (VWDEOLVKPHQWRI/LPLW The bank has had reputation risk management policies and guidelines that are updated and evaluated regularly on policies and guidelines of the bank’s risk management. The Bank also has a policy regarding service standards that must be performed by operational units, this is done to minimize the reputation risk due to the lack of adequate banking services, there are also policies regarding the handling of customer complaints. Furthermore, the bank also have a call center as a means to serve the people who need banking services as well as submitting problems associated with the bank. In relations to relationships with bank investors, the bank already has the investor relationship unit to communicate with the investors.

Bank juga melakukan manajemen risiko reputasi dengan melakukan aktivitas public relations, corporate social responsibility dan respon yang cepat terhadap penanganan keluhan yang masuk kepada pihak bank.

The bank also performs reputation risk management by conducting the activities of public relations, corporate social responsibility and rapid response to complaints to the bank.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Management Discussion & Analysis on Company Performance Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

407 RISK MANAGEMENT

 .HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ 3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD Sistem Informasi Manajemen Risiko Dalam kecukupan penerapan proses manajemen SJTJLP  CBOL NFMBLVLBO JEFOUJmLBTJ  QFOHVLVSBO  pemantauan dan pengendalian atas risiko SFQVUBTJ #BOL NFMBLVLBO QSPTFT JEFOUJmLBTJ EBO pengukuran risiko reputasi dengan memantau jumlah keluhan nasabah kepada bank melalui call center ataupun petugas bank serta memantau mengenai tindakan penyelesaian atas keluhan tersebut, selain itu dilakukan pematauan juga terhadap jumlah pemberitaan terhadap bank yang dimuat di media massa.

 $GHTXDF\ LQ WKH 3URFHVV RI ,GHQWLÀFDWLRQ 0HDVXUHPHQW0RQLWRULQJDQG5LVN&RQWURODV well as Risk Management Information System In the adequacy of risk management implementation process, the bank conducts JEFOUJmDBUJPO  NFBTVSFNFOU  NPOJUPSJOH BOE control on reputation risks. The bank conducts JEFOUJmDBUJPO  NFBTVSFNFOU BOE NPOJUPSJOH PG the reputation risk by monitoring the number of customer complaints to the bank through the call DFOUFS PS CBOL PGmDFST BT XFMM BT NPOJUPSJOH UIF settlement process on the complaints, furthermore, monitoring is also conducted to the numbers of reporting on the bank that are published in the mass media.

Dalam melakukan pengendalian atas risiko reputasi bank memiliki call center serta mengadakan coaching clinic bagi karyawan dengan memberikan training atau pelatihan mengenai standar layanan dengan tujuan bank dapat memberikan pelayanan dengan lebih baik kepada nasabah baik eksternal maupun internal sebagai salah satu langkah mitigasi terhadap potensi risiko, selain itu bank menekankan kepada seluruh karyawan bahwa reputasi bank harus benar-benar dijaga, bank juga memberikan informasi yang jelas kepada nasabah mengenai produk/aktivitas bank sebagai langkah dalam memitigasi risiko. Disamping itu dalam meningkatkan kualitas pelayanan frontliner yang merupakan garda depan bank dalam memberikan pelayanan kepada nasabah, bank telah mengadakan program bank bjb Service Excellent Award (BBSEA).

In conducting the control on the reputation risk, the bank has a call center as well as organized coaching clinics for employees by providing trainings regarding service standards with the aim for the bank to be able to provide better services to both external and internal customers as one of the mitigation measure for potential risk, in addition, the bank emphasized to all employees that the bank’s reputation should really safe guarded, the bank also provide clear information to customers regarding the products/activities of the bank as a step to mitigate risks. Furthermore, in improving the quality of services of the frontliners who are the vanguard of the bank in providing services to the customers, the bank has organized the bank bjb service excellent award (BBSEA) program.

 6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK Bank telah memiliki unit kerja khusus dalam proses pelaksanaan manajemen risiko reputasi yang mencakup pengawasan secara berkala atas pemberitaan negatif dan keluhan yang berdampak pada reputasi bank dan kegiatan pengendalian yang dipantau oleh satuan kerja manajemen risiko.

 &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP The bank already has a special unit for the reputation risk management implementation process that includes regular supervision on negative publications and complaints that have an impact on the bank’s reputation and control activity that is monitored by the risk management unit.

bank bjb Annual Report 2014

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Tata Kelola Perusahaan Good Corporate Governance bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

409

• Tata Kelola Perusahaan di bank bjb Good Corporate Governance at bank bjb

410

• Kepatuhan Compliance

521

• Rapat Umum Pemegang Saham (RUPS) General Meetings of Shareholders (GMS)

430

• Audit Internal Internal Audit

540

• Dewan Komisaris Board of Commissioners

442

• Audit Eksternal External Audit

548

• Komite Di Bawah Koordinasi Dewan Komisaris Committees Under the Coordination of the Board of Commissioners

464

• Sistem Pengendalian Internal Internal Control System

549

• Perkara Hukum Legal Cases

554

• Sekretaris Dewan Komisaris Secretary of The Board of Commissioners

486 • Akses Informasi Data Perusahaan Access to Company Information

556

• Direksi Board of Directors

488 • Kode Etik Code of Conduct

578

• Komite Di Bawah Koordinasi Direksi Committees Under the Coordination of the Board of Directors

506 • Budaya Perusahaan Corporate Culture

582

• Sekretaris Perusahaan Corporate Secretary

518

• Whistleblowing System Whistleblowing System

587

bank bjb Annual Report 2014

410

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TATA KELOLA PERUSAHAAN DI bank bjb GOOD CORPORATE GOVERNANCE AT bank bjb

Pelaksanaan Tata Kelola Perusahaan terus dikembangkan seiring dengan pertumbuhan dan target yang ingin dicapai bank bjb, sehingga operasional Bank dilaksanakan sesuai praktik perbankan yang terbaik.

Implementation of corporate governance continues to be developed in line with the Company’s growth and targets to be achieved by bank bjb, thus the Bank operations will be conducted in accordance with banking best practise.

bank bjb sebagai bank umum yang mengemban misi sebagai penggerak dan pendorong laju pertumbuhan perekonomian daerah, sangat menjunjung tinggi prinsip Tata Kelola Perusahaan yang baik dan menyadari pentingnya penerapan prinsip-prinsip tersebut di setiap langkah usaha Bank demi kepentingan para pemangku kepentingan seperti nasabah, investor, pemegang saham, dan masyarakat umum, termasuk pegawai serta pihak lainnya.

bank bjb as a commercial bank is on a mission as the force and the driver of regional economic growth, upholding the principles of Good Corporate Governance (GCG) and realize the importance of implementing these principles in every step of the bank’s actions in the interest of the stakeholders such as customers, investors, shareholders and the general public, including employees and other parties.

Tujuan Penerapan GCG

The Objectives of GCG implementation

Tujuan yang diharapkan dalam penerapan GCG merupakan manifestasi dari penerapan prinsip-prinsip GCG di lingkungan bank bjb. Penerapan prinsip GCG ini dimulai dari komitmen, kemudian telah dilaksanakan secara berkesinambungan oleh struktur maupun para pemangku kepentingan GCG bank bjb secara terintegrasi.

The objectives in the implementation of GCG is the manifestation of the application of the principles of good corporate governance in bank bjb. Implementation of GCG begins from the commitment, then carried out continuously and integratedly by the GCG structure and stakeholders of bank bjb.

Tujuan atau outcome yang ingin dicapai dari pelaksanaan GCG di lingkungan bank bjb ini sejalan dengan pedoman yang telah ditetapkan oleh Komite Nasional Kebijakan Governance (KNKG), yaitu memuat 8 (delapan) prinsip EBTBS LFTJOBNCVOHBO VTBIB  FmTJFOTJ  LFNBOGBBUBO CBHJ masyarakat, ketaatan terhadap peraturan, perlindungan konsumen, pelestarian lingkungan, obyektivitas penilaian mandiri dan penilaian GCG dari pihak lain.

The objectives or outcomes to be achieved from the implementation of GCG in the bank bjb are in line with the guidelines set by the National Committee on Governance Policy (KNKG), which contains eight (8) basic principles: TVTUBJOBCJMJUZ  FGmDJFODZ  CFOFmU UP TPDJFUZ  BEIFSFODF to regulations, consumer protection, environmental preservations, objectivity of GCG independent assessment and appraisal by other parties.

Berdasarkan prinsip dasar tersebut, tujuan yang dapat diwujudkan melalui penerapan prinsip GCG di lingkungan bank bjb adalah: 1. Mampu memelihara kesinambungan usaha, sehingga dapat memenuhi kebutuhan dan harapan pemangku kepentingan secara berkelanjutan.  .BNQV NFXVKVELBO FmTJFOTJ TFCBHBJ IBTJM EBSJ kemampuan dan kapabilitas dalam mengelola bank. 3. Mampu memberikan manfaat melalui berbagai kegiatan dan pelayanan bagi masyarakat dan perekonomian nasional. 4. Senantiasa menaati segala peraturan perundangundangan, nilai-nilai etika umum perbankan, serta ketentuan internal bank sesuai dengan prinsip dasarnya sebagai lembaga kepercayaan.

Based on these basic principles, the objectives which can be realized through the application of the principles of good corporate governance in bank bjb include: 1. Being able to maintain business continuity, so as to meet the needs and expectations of stakeholders in a sustainable manner.  "CMF UP SFBMJ[F FGmDJFODZ BT B SFTVMU PG UIF BCJMJUZ BOE capability to manage the bank.  "CMFUPQSPWJEFCFOFmUTUISPVHIBWBSJFUZPGBDUJWJUJFTBOE services for the community and the national economy. 4. Always obey all laws and regulations, common ethical values of banking, as well as the internal regulations of the bank in accordance with its basic principles as an institution of trust.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

411

5. Mampu melindungi kepentingan dan kebutuhan nasabah sebagai konsumen. 6. Mampu berperan aktif dalam menjaga dan meningkatkan tanggung jawab sosial dan lingkungan. 7. Mampu melakukan self assessment yang menghasilkan penilaian obyektif mengenai kondisi penerapan GCG di bank.

5. Able to protect the interests and needs of customers as consumers. 6. Able to play an active role in maintaining and improving social and environmental responsibility. 7. Able to perform self assessment that produces an objective assessment on the condition of the GCG implementation in the bank.

Komitmen Penerapan GCG

Commitment on the Implementation of GCG

Komitmen pelaksanaan prinsip-prinsip GCG di lingkungan bank bjb di antaranya tercermin melalui penerbitan pedoman pelaksanaan berdasarkan Surat Keputusan Direksi bank bjb Nomor: 931/SK/DIR/2007 tentang Pedoman Good Corporate Governance. Pedoman ini mendapat pengesahan dari Dewan Komisaris melalui surat tertanggal 3 Oktober 2007 yang menyatakan persetujuannya terhadap Pedoman GCG.

The commitment on the implementation of corporate governance principles in bank bjb JT SFnFDUFE UISPVHI UIF issuance of guidelines for the implementation based on the Decree of the Board of Directors of bank bjb No. 931/SK/ DIR/2007 on the Guidelines for Good Corporate Governance. The Guidelines was approved by the Board of Commissioners through the letter dated October 3, 2007 which declared its approval on the GCG Guidelines.

Pedoman pelaksanaan GCG tersebut mengalami pembaruan dan pengembangan sebagai wujud komitmen bank bjb dalam melaksanakan prinsip-prinsip GCG secara berkesinambungan di lingkungan Bank. Pembaruan dan perkembangan penerapannya, antara lain diwujudkan melalui surat keputusan Direksi agar terdokumentasi, sehingga dapat terlaksana secara berkesinambungan.

The Guidelines for the implementation of GCG is experiencing renewal and development as bank EME·s commitment in implementing the principles of GCG in a sustainable manner within the Bank. The renewal and development, among others, is embodied by the Decree of the Board of Directors in order to be documented, thus may be implemented on an ongoing basis.

Beberapa pembaruan dan perkembangan tersebut, antara lain: • Surat Keputusan Direksi bank bjb Nomor: 709/SK/DIRKP/2014 tentang Etika Usaha dan Tata Perilaku (Code of Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 713/SK/DIRKP/2014 tentang Pedoman Laporan Harta Kekayaan di Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 714/SK/DIRKP/2014 tentang Standar Operasional Prosedur Laporan Harta Kekayaan di Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 711/SK/DIR,1 UFOUBOH 1FEPNBO 1FOHFOEBMJBO (SBUJmLBTJ EJ Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 712/SK/ DIR-KP/2014 tentang Standar Operasional Prosedur 1FOHFOEBMJBO (SBUJmLBTJ EJ -JOHLVOHBO 15 #BOL Pembangunan Daerah Jawa Barat dan Banten Tbk.

Some of the updates and development include: •

•

•

•

•

Decree of the Board of Directors of bank bjb No. 709/SK/ DIR-KP/2014 on the Business Ethics and Code of Conduct of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. Decree of the Board of Directors of bank bjb No. 713/SK/ DIR-KP/2014 on the Guidelines for Wealth Report within PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. Decree of the Board of Directors of bank bjb No. 714/SK/ DIR-KP/2014 on the Standard Operating Procedures for the Wealth Report in PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. Decree of the Board of Directors of bank bjb No. 711/ SK/DIR-KP/2014 on the Guidelines for the Control of (SBUJmDBUJPOJO15#BOL1FNCBOHVOBO%BFSBI+BXB#BSBU dan Banten Tbk. Decree of the Board of Directors of bank bjb No. 712/ SK/DIR-KP/2014 on the Standard Operating Procedures GPS UIF $POUSPM PG (SBUJmDBUJPO JO 15 #BOL 1FNCBOHVOBO Daerah Jawa Barat dan Banten Tbk.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

412

TATA KELOLA PERUSAHAAN

• •

Surat Keputusan Direksi bank bjb Nomor: 968/SK/DIRKP/2014 tentang Pedoman Komite Manajemen Risiko. Surat Keputusan Direksi bank bjb Nomor: 708/SK/DIRKP/2014 tentang Tata Kerja Pelaporan (Whistleblowing) di Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

•

•

Decree of the Board of Directors of bank bjb No. 968/ SK/DIR-KP/2014 on Guidelines for the Risk Management Committee. Decree of the Board of Directors of bank bjb No. 708/ SK/DIR-KP/2014 on the Whistleblowing Procedures in PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

Berdasarkan Prinsip Dasar Pedoman Good Corporate Governance Perbankan Indonesia yang dikeluarkan oleh Komite Nasional Kebijakan Governance (2013), merupakan manifestasi komitmen penerapan GCG mengacu pada 7 (tujuh) hal, yaitu: 1. Bank memilik rumusan visi dan misi yang realistis. 2. Bank memiliki nilai-nilai perusahaan yang menggambarkan sikap moral bank yang baik dalam pelaksanaan usahanya. 3. Bank memiliki pedoman tata kerja Dewan Komisaris dan tata kerja Direksi dalam menjalankan peran dan tugasnya. 4. Bank memiliki rumusan etika bisnis dan pedoman perilaku perusahaan yang penyusunannya dilakukan dengan melibatkan organ perusahaan dan jajaran di bawahnya. Etika bisnis dan pedoman perilaku ini telah dijalankan secara berkesinambungan. 5. Dalam menjalankan fungsi sebagai lembaga intermediasi dan sebagai bagian dari dunia bisnis, harus peduli dan berperan aktif dalam menjaga kelestarian sumber daya alam dan lingkungan hidup. 6. Bank memiliki peraturan perusahaan atau perjanjian kerja bersama yang dapat menjamin kepastian hal dan kewajiban para pihak, sehingga mendukung suasana kerja yang kondusif. 7. Bank memiliki whistleblowing system untuk memungkinkan diperolehnya laporan dan pengaduan serta saran dan kritik dari pegawai dan pemangku kepentingan lainnya.

Based on the Basic Principles of the Guidelines for the Indonesian Banking Good Corporate Governance issued by the National Committee on Governance (2013), is a manifestation of the commitment to the implementation of GCG which refers to 7 (seven) points, namely: 1. The bank posses realistic formulation of vision and mission. 2. The bank posses corporate values that describe the bank’s good moral attitude in the implementation of its business. 3. The Bank posses work guidelines for the the Board of Commissioners and Board of Directors in carrying out its role and duties. 4. The Bank posses business ethics and the guidelines for corporate behavior of which the formulation is carried out with the involvement of the company’s organs and subordinates. The business ethics and code of conduct shall be performed on an ongoing basis. 5. In carrying out its functions as an intermediary institution and as part of the business world, the bank should be concerned and should take an active role in conserving natural resources and the environment. 6. The bank posses company regulations or collective work agreements to ensure certainty of the terms and obligations of the parties, thus supporting a conducive working atmosphere. 7. The Bank posses a whistleblowing system to enable the provision of reports and complaints as well as suggestions and criticism from the employees and other stakeholders.

Komitmen acuan ini sudah berjalan secara berkesinambungan di lingkungan bjb, yang di antaranya dibuktikan melalui berbagai pedoman yang diterbitkan melalui keputusan manajemen. Termasuk pengembangan dan pembaruannya, sesuai dengan perkembangan regulasi maupun standar etika di lingkungan perbankan dan perusahaan pada umumnya.

This reference commitment has been running continuously in bank bjb, among others proven through various guidelines issued through the Management’s decisions, including the developments and its updates, in accordance with the development of regulations and ethical standards in banking and company in general.

Mekanisme Penerapan GCG

Mechanism of GCG Implementation

Sesuai dengan pedoman GCG Perbankan yang dikeluarkan oleh KNKG, pedoman GCG yang telah dibuat harus disosialisasikan kepada seluruh jajaran bank secara

In accordance to the GCG Guidelines of Banking issued by KNKG, the GCG Guidelines should be disseminated to all levels of the bank on an ongoing basis. In addition, the

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

413 GOOD CORPORATE GOVERNANCE

berkesinambungan. Selain itu, proses pelaksanaannya perlu didokumentasikan, yang di antaranya sebagai alat bukti pelaksanaan.

implementation process should be documented, among others as the proof of implementation.

Sejalan dengan ketentuan tersebut, mekanisme pelaksanaan GCG di lingkungan bank bjb selalu berpijak pada pedoman terkait GCG, yang dilahirkan dengan mengacu pada regulasi. Pedoman yang ditutunkan dalam ketentuan teknis tersebut senantiasa disosialisasikan agar selalu menjadi bagian dari pelaksanaan tata kelola usaha sehari-hari di lingkungan Bank. Mekanisme pelaksanaan atau penerapan GCG ini merupakan manifestasi atas pelaksanaan komitmen Bank terhadap kinerja GCG yang berkelanjutan. Adapun mekanisme penerapannya adalah sebagai berikut:

In line with this provision, the mechanism of GCG implementation in bank bjb always adheres to the guidelines related to GCG, which was formulated with reference to the regulation. The guidelines included in the technical provision is socialized in order to always be part of the daily implementation of corporate governance in the Bank. This mechanism of implementation or GCG application is a manifestation of the implementation of the Bank’s commitment to sustainable performance of GCG. The mechanism of implementation include:

Analisa Regulasi dan Praktik Perusahaan Terbaik/ Analysis of the Corporate Regulations and Best Practices

Pedoman Prinsip dan Pelaksanaan GCG/ Principles and Guidelines for the Implementation of GCG

Sosialisasi & Implementasi/ Socialization & Implementation

Pendokumentasian dan Evaluasi/Documenting and Evaluation

Analisa Regulasi dan Praktik Perusahaan Terbaik

Analysis of the Corporate Regulations and Best Practices

Analisis terhadap perkembangan regulasi merupakan pelaksanaan atas fungsi kepatuhan bank bjb terhadap regulasi yang terus berkembang, baik di tingkat nasional maupun internasional. Bahkan Bank juga menjadikan praktik perusahaan yang terbaik sebagai bagian dari acuan penerapan praktik bisnis bank bjb.

The analysis on the development of regulations is the implementation of bank bjb’s compliance function towards the regulations which continue to grow, both nationally and internationally. The Bank also makes the Company’s best practices as part of the reference for the implementation of bank bjb’s business practices.

Kepatuhan terhadap regulasi wajib dilaksanakan oleh Dewan Komisaris, Direksi, dan seluruh pegawai dalam organisasi Bank. Kepatuhan harus dilihat sebagai fungsi yang merupakan bagian tak terpisahkan dari aktivitas bisnis Bank, karena setiap kegagalan pelaksanaan kepatuhan dapat menyebabkan risiko kepatuhan, risiko reputasi, dan risiko lainnya.

Compliance towards the regulations must be carried out by the Board of Commissioners, Board of Directors, and all employees in the organization of the Bank. Compliance must be seen as a function which is an integral part of the Bank’s business activities, as any failure of compliance may cause compliance risk, reputation risk, and other risks.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

414

TATA KELOLA PERUSAHAAN

Pedoman Pelaksanaan Prinsip-prinsip GCG

Guidelines for the Implementation of GCG Principles

Komitmen pelaksanaan prinsip-prinsip GCG di lingkungan bank bjb di antaranya tercermin melalui penerbitan pedoman pelaksanaan berdasarkan Surat Keputusan Direksi bank bjb Nomor: 931/SK/DIR/2007 tentang Pedoman Good Corporate Governance. Pedoman ini mendapat pengesahan dari Dewan Komisaris melalui surat tertanggal 3 Oktober 2007 yang menyatakan persetujuannya terhadap Pedoman GCG.

The commitment to the implementation of corporate governance principles in bank bjb JT SFnFDUFE UISPVHI UIF issuance of implementation guidelines based on the Decree of the Board of Directors of the bank bjb No. 931/SK/DIR/2007 on the Guidelines for Good Corporate Governance. The Guidelines was approved by the Board of Commissioners through the letter dated October 3, 2007 which declared its approval of the GCG Guidelines.

Dari pedoman umum tersebut, di antaranya dituangkan dalam bentuk Surat Keputusan Direksi bank bjb Nomor: 709/SK/ DIR-KP/2014 tentang Etika Usaha dan Tata Perilaku (Code of Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

From this general guidelines, which among others is manifested in the form of bank bjb’s Board of Directors Decree No. 709/SK/DIR-KP/2014 on the Business Ethics and Code of Conduct of PT Bank Pembangunan .

Prinsip-Prinsip Utama

Main Principles

Dalam menerapkan Good Corporate Governance (GCG), bank bjb berpedoman sepenuhnya pada 5 (lima) prinsip utama yaitu keterbukaan, akuntabilitas, pertanggung jawaban, independensi, dan kewajaran. Kelima prinsip ini juga dijadikan dasar dalam penetapan Kebijakan Umum Direksi Tahunan (KUDT). KUDT merupakan pedoman penyusunan Rencana Bisnis Bank yang disusun setiap tahun dan merupakan landasan pelaksanaan tugas seluruh unit organisasi bank bjb.

In implementing GCG, bank bjbJTGVMMZHVJEFECZ mWF LFZ principles namely transparency, accountability, responsibility, independence, and fairness. These principles are used as the basis in determining the Annual Public Policy of the Board of Directors (KUDT). KUDT is preparing guidelines for The Business Plan which is prepared every year and are the foundation for all unit duties of bank EME·V organizations.

Pencantuman prinsip GCG dalam KUDT bertujuan untuk mewujudkan keseragaman, kesatuan bahasa, kesamaan pandangan, dan kesatuan gerak langkah operasional serta memastikan bahwa seluruh jajaran Bank selalu berpedoman pada GCG dalam menjalankan pekerjaannya sehari-hari.

The inclusion of GCG as the main principle in the KUDT aims to achieve uniformity, unity of language, common vision, and unity of operational steps and to ensure that all levels of bank bjb will always be guided by GCG principles in running the day-to-day work.

Dalam rangka meningkatkan penerapan praktik GCG secara menyeluruh di bank bjb seperti yang dipersyaratkan oleh Otoritas Jasa Keuangan, kami telah merancang dan menyempurnakan pedoman kebijakan serta panduan implementasi GCG sesuai ketentuan yang diatur di dalam Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah dengan Peraturan Bank Indonesia No. 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat Edaran Bank Indonesia No. 9/12/DPNP Tanggal 30 Mei 2007 tentang pelaksanaan Good Corporate Governance bagi Bank Umum.

In order to improve the implementation of Good Corporate Governance practices at the bank EME·V overall practice as required by Bank Indonesia, Banks have designed and perfected bank bjb policy guidelines as well as guide the implementation of GCG in accordance with Bank Indonesia as stipulated in Bank Indonesia’s Regulation No. 8/4/PBI/2006 dated January 30, 2006, and as amended by Bank Indonesia Regulation No. 8/14/PBI/2006 dated October 5, 2006 and Circular Letter of Bank Indonesia 9/12/DPNP Date May 30, 2007 concerning the implementation of Good Corporate Governance for Banks.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

415 GOOD CORPORATE GOVERNANCE

Pedoman Tata Kelola Perusahaan

Guidelines on Corporate Governance

bank bjb telah merumuskan pedoman tata kelola perusahaan yang baik (GCG) sejak tahun 2007, melalui penerbitan Surat Keputusan Direksi bank bjb Nomor: 931/SK/DIR/2007 tentang Pedoman Good Corporate Governance. Pedoman ini mendapat pengesahan dari Dewan Komisaris melalui surat tertanggal 3 Oktober 2007 yang menyatakan persetujuannya terhadap Pedoman GCG. Dalam perjalanannya, pedoman ini telah melahirkan pedoman-pedoman lain secara parsial, NJTBMOZB QFOHFOEBMJBO HSBUJmLBTJ  code of conduct, serta laporan harta kekayaan.

bank bjb has formulated guidelines for good corporate governance (GCG) since 2007, through the issuance of the Decree of the Board of Directors of Bank bjb No. 931/SK/ DIR/2007 on the Guidelines for Good Corporate Governance. The Guidelines was approved by the Board of Commissioners through the letter dated October 3, 2007 which declared its approval of the GCG Guidelines. Along the way, the Guideliens produced other guidelines partially, among others UIF HVJEFMJOFT GPS HSBUJmDBUJPO DPOUSPM  DPEF PG DPOEVDU  BT well as wealth report.

Komitmen GCG

GCG Commitment

a. Visi dan Misi Bank telah memiliki visi dan misi yang dijadikan pedoman jangka panjang dalam menjalankan kegiatan usaha bank bjb. Visi dan misi ini mencerminkan tujuan yang akan dicapai oleh Bank di masa yang akan datang. b. Nilai-nilai Perusahaan (Corporate Value) Perumusan nilai-nilai perusahaan (corporate value) dan perilaku utama budaya perusahaan dilakukan oleh Manajemen dengan menggali nilai-nilai yang ada dalam tubuh Perusahaan. Budaya perusahaan bank bjb harus selaras dengan visi dan misi bank bjb dan adaptif terhadap perubahan dunia perbankan. Oleh karena itu apabila budaya yang telah ada sudah tidak sejalan dengan visi, misi, dan perkembangan dunia perbankan, maka perlu dilakukan perubahan budaya dengan menggali nilai-nilai baru yang muncul. c. Etika Perusahaan Merupakan standar tata perilaku yang menjadi acuan setiap insan bank bjb, termasuk di dalamnya adalah Dewan Komisaris, Direksi, serta seluruh pegawai dalam mengelola perusahaan. d. Pedoman Dewan Komisaris dan Direksi Pedoman Dewan Komisaris dan Direksi bank bjb mengacu pada regulasi yang terkait seperti UndangUndang Perseroan Terbatas serta regulasi dari otoritas di bidang jasa keuangan, maupun regulasi lain yang relevan. Pedoman tersebut mengatur struktur, tugas dan tanggung jawab, pembagian tugas, etika kerja, rapat, organisasi, dan hubungan kerja dari Dewan Komisaris dan Direksi, yang dijadikan acuan bagi Dewan Komisaris dan Direksi dalam melaksanakan tugas dan fungsinya masingmasing.

a. Vision and mission The Bank has a vision and mission which becomes the bank bjb’s long-term guidelines in conducting its business BDUJWJUJFT5IJTWJTJPOBOENJTTJPOSFnFDUUIFPCKFDUJWFTUP be achieved by the Bank in the future. b. Corporate Values The formulation of the corporate values and the major behavior of the corporate culture is carried out by the Management by exploring the values that exist in the body of the Company. bank bjb’s corporate culture must be aligned with the vision and mission of the Bank and must be adaptive to the changes in the banking world. Therefore, if the existing culture is already not in line with the vision, mission, and the development of the banking world, thus a change of culture should be carried out by exploring new emerging values. c. Code of Conduct This is the standard code of conduct which becomes the reference for every personnel of bank bjb, including the Board of Commissioners, Board of Directors, as well as all employees in managing the company. d. Guidelines for the Board of Commissioners and Board of Directors The Guidelines for Board of Commissioners and Board of Directors of bank bjb refers to the related regulations such as the regulation on Limited Liability Company as XFMMBTUIFSFHVMBUJPOTJTTVFECZUIFBVUIPSJUJFTJOUIFmFME PGmOBODJBMTFSWJDFT BTXFMMBTPUIFSSFMFWBOUSFHVMBUJPOT The Guidelines regulates the structure, duties and responsibilities, division of tasks, work ethics, meetings, organization, and the working relationship of the Board of Commissioners and Board of Directors, which is used as a reference for the Board of Commissioners and Board of Directors in carrying out its respective duties and functions. bank bjb Annual Report 2014

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TATA KELOLA PERUSAHAAN

e. Hubungan Industrial Hubungan antara manajemen yang diwakili oleh Direksi dengan pegawai di bank bjb dituangkan dalam Perjanjian Kerja. Perjanjian ini mengacu pada regulasi yang telah ditetapkan oleh pemerintah Indonesia, yang mengatur kesepakatan antara bank bjb dengan para pegawai. f. Struktur Kebijakan Bank Kebijakan pokok bank terdiri dari dua peringkat, yaitu Pedoman GCG dan Pedoman Kebijakan Manajemen. g. Prinsip GCG Secara umum, penerapan prinsip-prinsip GCG harus diwujudkan sekurang-kurangnya namun tidak terbatas pada: • Pelaksanaan RUPS/RUPSLB yang sesuai dengan maksud dan tujuannya serta diselenggarakan berdasarkan ketentuan umum yang berlaku. • Pelaksanaan tugas dan tanggung jawab Dewan Komisaris dan Direksi. • Kelengkapan data pelaksanaan tugas Komite-Komite (baik di tingkat Komisaris maupun Direksi) dan Satuan Kerja yang menjalankan fungsi Internal Audit Bank. • Penerapan fungsi kepatuhan, auditor internal dan auditor eksternal. • Penerapan manajemen risiko, termasuk sistem pengendalian internal. • Penyediaan dana kepada pihak terkait dan penyediaan dana besar. • Rencana Strategis Bank. • Transparansi kondisi keuangan dan non-keuangan Bank. h. Penilaian Mandiri Sejalan dengan penerapan GCG, Bank harus melakukan penilaian mandiri (self-assessment) atas pelaksanaan GCG di Bank minimal satu kali dalam setahun. Hasil penilaian pelaksanaan GCG merupakan bagian yang tidak terpisahkan dari laporan pelaksanaan GCG. i. Kepedulian terhadap Lingkungan Perseroan memiliki komitmen untuk ikut bertanggung jawab terhadap pelestarian lingkungan secara berkelanjutan. Komitmen ini tercermin dalam pelaksanaan kegiatan tanggung jawab sosial perusahaan. j. Tanggung Jawab terhadap Nasabah Perseroan memiliki komitmen yang tinggi untuk memenuhi tanggung jawab kepada konsumen dan nasabahnya. Bagi bank bjb, nasabah merupakan rekan utama dalam setiap langkah pengembangan usaha yang dilakukan Perseroan. Oleh karena itu, bank bjb menempatkan

bank bjb Laporan Tahunan 2014

e. Industrial Relations The relationship between the Management, represented by the Board of Directors with the employees of bank bjb is set forth in the Employment Agreement. This agreement refers to the regulation set by the Indonesian government, which regulates the agreement between bank bjb with its employees. f. Structure of Bank Policy The Bank’s main policy consists of two levels, namely the GCG Guideliens and the Management Policy Guidelines. g. Principles of GCG In general, the application of the principles of good corporate governance shall be realized at least but not limited to: • Implementation of AGM/ EGM in accordance with the purposes and objectives, held under the applicable general rules. • Implementation of duties and responsibilities of the Board of Commissioners and Board of Directors. • Completion of data on the implementation of tasks of the Committees (both at the level of Board of Commissioners or Board of Directors) and the work unit that runs the Bank’s Internal Audit function. • Implementation of the functions of compliance, internal audit and external audit. • Implementation of risk management, including the internal control system. • The provision of funds to related parties and large exposures. • The Bank’s Strategic Plan. t 5SBOTQBSFODZPGmOBODJBMBOEOPOmOBODJBMDPOEJDUJPO of the Bank. h. Self Assessment In line with the implementation of GCG, the Bank should undertake an independent assessment (self-assessment) on the implementation of GCG in the Bank at least once a year. The result of assessment on the implementation of GCG is an integral part of the GCG Report. i. Concern for the Environment The Company has a commitment to take responsibility for the preservation of the environment in a sustainable NBOOFS5IJTDPNNJUNFOUJTSFnFDUFEJOUIFJNQMFNFOUBUJPO of corporate social responsibility. j. Responsibilities to the Customers  5IF $PNQBOZ IBT B TUSPOH DPNNJUNFOU UP GVMmMM JUT responsibilities to the consumers and customers. For bjb bank, the customer is the main partner in every step of the

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

417 GOOD CORPORATE GOVERNANCE

kepuasan nasabah sebagai prinsip dasar dalam setiap pelayanannya.

Company’s business development. Therefore, bank bjb prioritizes customer satisfaction as the basic principle in every service.

Penerapan Tata Kelola Perusahaan

Implementation of Corporate Governance

Perubahan status Perseroan sebagai bank publik melalui penawaran umum perdana saham pada tahun 2010 menjadi inspirasi bagi bank bjb untuk terus-menerus meningkatkan kualitas demi mewujudkan diri menjadi 10 Bank Terbesar dan Berkinerja Baik di Indonesia. Perbaikan prosedur dan cara LFSKB EJMBLVLBO VOUVL NFODJQUBLBO FmTJFOTJ EBO FGFLUJWJUBT dalam menyelesaikan setiap pekerjaan. Implementasi Tata Kelola Perusahaan yang Baik (Good Corporate Governance) secara menyeluruh dan berkesinambungan dinilai menjadi faktor utama tercapainya pertumbuhan usaha yang dapat memberikan nilai tambah bagi para pemangku kepentingan.

Changes in the Company’s status as a public bank through the initial public offering of shares in 2010 became the inspiration for bank bjb to continuously improve its quality in order to bring itself to become one of the 10 Largest Banks with Good Performance in Indonesia. Improvement of procedures BOE XPSL NFUIPE JT QFSGPSNFE UP DSFBUF FGmDJFODZ BOE effectiveness in completing each task. Implementation of Good Corporate Governance (GCG) thoroughly and continuously is considered to be a major factor in the achievement of business growth that can provide added value for stakeholders.

Penerapan sekaligus sosialisasi Tata Kelola Perusahaan bank bjb di antaranya dilakukan melalui Code of Conduct bank bjb yang menjadi acuan perilaku bagi Komisaris, Direksi dan seluruh pegawai Perseroan dalam mengelola perusahaan guna mencapai visi, misi dan tujuan perusahaan. Salah satu etika perilaku yang terdapat pada code of conduct yaitu standar etika untuk menghindari benturan kepentingan dan penyalahgunaan jabatan serta etika untuk tidak menerima HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO jabatan, dan sebagaimana diketahui salah satu cakupan dalam pelaksanaan GCG yaitu penanganan benturan kepentingan.

Implementation and socialization of Corporate Governance in bank bjb among others is conducted through the Bank’s Code of Conduct which becomes the reference for the behavior of the Board of Commissioners, Board of Directors and all employees of the Company in managing the company in order to achieve the vision, mission and objectives of the Company. One of the ethical conducts contained in the code of conduct JTUIFFUIJDBMTUBOEBSETUPBWPJEDPOnJDUTPGJOUFSFTUBOEBCVTF of authority as well as the ethics to not accept gratuities of any kind associated with the position, and is known as one of the DPWFSBHFBTXFMMBTUIFIBOEMJOHPGDPOnJDUTPGJOUFSFTU

Kegiatan-kegiatan yang menjadi bagian pelaksanaan GCG didokumentasikan, baik dalam bentuk regulasi maupun pencatatan kegiatan, seperti pada pelaksanaan tanggung jawab sosial perusahaan yang merupakan bagian dari proses pelaksanaan GCG. bank bjb juga melakukan evaluasi terhadap pelaksanaan tersebut agar pedoman maupun aturan pelaksanaannya selalu dapat dimutakhirkan sesuai dengan perkembangan regulasi dan praktik bisnis terbaik yang terbaru.

Activities that are part of the GCG implementation is documented, either in the form of regulations as well as record of activities, such as the implementation of corporate social responsibility which is part of the GCG implementation process. bank bjb also conducted an evaluation on the implementation so that the guidelines and implementation rules can always be updated according to the development of regulations the latest business best practices.

Struktur GCG

GCG Structure

Struktur GCG bank bjb meliputi struktur organ perusahaan dan kebijakan bank dalam rangka pelaksanaan usaha. Bank juga memasukkan beberapa aspek penting yang mendukung organ perusahaan, yaitu Komite di bawah Dewan Komisaris dan Komite di bawah Direksi.

The GCG structure of bank bjb includs the structure of the Company’s organs and the Bank’s policies in the implementation of its business. The Bank also incorporate several important aspects that support the organs of the Company, namely the Committees under the Board of Commissioners and the Committees under the Board of Directors.

bank bjb Annual Report 2014

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TATA KELOLA PERUSAHAAN

a. Rapat Umum Pemegang Saham RUPS merupakan organ tertinggi di bank bjb, yang memegang seluruh otoritas yang tidak dilimpahkan kepada Dewan Komisaris ataupun Direksi. Pelaksanaan RUPS dilakukan melalui Rapat Umum Pemegang Saham Tahunan (RUPST) dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). b. Dewan Komisaris Dewan Komisaris merupakan organ perusahaan yang menjalankan fungsi pengawasan atas kebijakan pengurusan, jalannya pengurusan pada umumnya, baik mengenai bank maupun usaha bank. Dewan Komisaris juga memberikan nasihat kepada Direksi. Dewan Komisaris bersifat independen. Di lingkungan bank bjb, anggota Dewan Komisaris menandatangani Surat Pernyataan Independensi. c. Direksi Direksi merupakan organ Perseroan yang memiliki wewenang serta bertugas dan bertanggung jawab secara kolegial dalam mengelola Bank. Secara garis besar, masing-masing Direktur dapat melaksanakan tugas dan mengambil keputusan sesuai dengan pembagian tugas dan wewenangnya. Direksi bertanggung jawab terhadap pengelolaan Bank agar dapat menghasilkan keuntungan dan memastikan kesinambungan usaha Bank sesuai dengan anggaran dasar dan peraturan perundangundangan. d. Komite-komite di bawah Dewan Komisaris Di lingkungan bank bjb, komite-komite di bawah Dewan Komisaris adalah: Komite Audit, Komite Remunerasi dan Nominasi, serta Komite Pemantau Risiko. e. Komite-komite di bawah Direksi Sedangkan di bawah Direksi, komite-komite yang dibentuk adalah: Komite Manajemen Risiko, Komite Kebijakan Kredit, Komite Pengarah Teknologi Informasi, Komite ALCO (Asset Liability Committee), dan Tim Peneliti dan Pertimbangan Masalah Kepegawaian (TPPMK).

a. General Meeting of Shareholders GMS is the highest organ in bank bjb, which holds all of the authorities that are not delegated to the Board of Commissioners or Board of Directors. GMS is performed through the Annual General Meeting of Shareholders (AGM) and Extraordinary General Meeting of Shareholders (EGM). b. Board Of Commissioners The Board of Commissioners is an organ of the Company that exercises the oversight function over the policies of management, the management in general, both of the bank and the bank’s business. The Board of Commissioners also provides advice to the Board of Directors. The Board of Commissioners is independent. In bank bjb, members of the Board of Commissioners sign the Statement of Independence. c. The Board of Directors The Company’s Board of Directors is the organ that has the authorities and the duties and responsibilities in managing the Bank collegially. Broadly speaking, each Director may carry out the tasks and make decisions in accordance with the division of duties and responsibilities. The Board of Directors is responsible for the management of the Bank JO PSEFS UP HFOFSBUF QSPmUT BOE FOTVSF UIF TVTUBJOBCJMJUZ of the Bank’s business in accordance with the articles of association and the regulations. d. Committees under the Board of Commissioners In bank bjb, the committees under the Board of Commissioners are: the Audit Committee, Remuneration and Nomination Committee, and the Risk Oversight Committee. e. Committees under the Board of Directors Whereas the committees under the Board of Directors are: the Risk Management Committee, Credit Policy Committee, Information Technology Steering Committee, ALCO Committee (Asset Liability Committee), and the Team of Research and Advisory on Employment Issues (TPPMK).

Hubungan antara Dewan Komisaris dan Direksi

The relationship between the Board Commissioners and Board of Directors

Sesuai dengan Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah dengan Peraturan Bank Indonesia No. 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat Edaran Bank Indonesia No. 9/12/ DPNP tanggal 30 Mei 2007 tentang Pelaksanaan GCG bagi bank umum, Perseroan telah sejak lama menerapkan

In accordance with Bank Indonesia Regulation No. 8/4/ PBI/2006 dated January 30, 2006 as amended by Bank Indonesia Regulation No. 8/14/PBI/2006 dated October 5, 2006 and Bank Indonesia Circular Letter No. 9/12/DPNP dated 30 May 2007 regarding the implementation of GCG for commercial banks, the Company has implemented the

bank bjb Laporan Tahunan 2014

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419 GOOD CORPORATE GOVERNANCE

pemisahan tugas, fungsi dan tanggung jawab Direksi dan Dewan Komisaris. Selain itu, tidak terdapat hubungan keluarga baik horisontal maupun vertikal, termasuk hubungan karena pernikahan, sampai derajat ketiga, antara sesama anggota Direksi, atau antar anggota Direksi dengan anggota Dewan Komisaris, atau sesama anggota Dewan Komisaris.

division of tasks, functions and responsibilities of the Board of Directors and Board of Commissioners. In addition, there are no family relations either horizontally or vertically, including the relationship due to marriage, to the third degree, among members of the Board of Directors, or between members of the Board of Directors and the Board of Commissioners, or among the members of the Board of Commissioners.

Mengacu pada Pedoman GCG yang dikeluarkan oleh KNKG, hubungan kerja Dewan Komisaris dan Direksi adalah hubungan check and balances, dengan prinsip bahwa kedua organ tersebut mempunyai kedudukan yang setara. Keduanya memiliki tugas untuk menjaga kelangsungan usaha Bank dalam jangka panjang dan memiliki tujuan akhir untuk kemajuan dan kesehatan Bank.

In accordance with the corporate governance guidelines issued by KNKG, the working relationship of the Board of Commissioners and Board of Directors is the check and balances relations, with the principle that the two organs have equal position. Both have the duty to maintain the continuity PG UIF #BOLT CVTJOFTT JO UIF MPOH UFSN BOE IBWF UIF mOBM objective of the progress and health of the Bank.

Dengan alasan tersebut, Dewan Komisaris dan Direksi harus memiliki kesamaan visi, misi, nilai-nilai perusahaan dan strategi Bank. Dewan Komisaris dan Direksi juga harus menyetujui bersama rencana kerja jangka panjang, rencana kerja dan anggaran tahunan serta hal-hal yang berkaitan dengan pelaksanaan ketentuan perundang-undangan dan GCG.

For that reason, the Board of Commissioners and Board of Directors must have a common vision, mission, values and strategies of the Bank. The Board of Commissioners and Board of Directors must also jointly approve the long-term work plan, annual work plan and budget as well as matters related to the implementation of the statutory provisions and GCG.

Corporate Governance Assessment

Corporate Governance Assessment

Sesuai dengan Surat Edaran Bank Indonesia Nomor 15/15/ DPNP tanggal 29 April 2013 perihal Pelaksanaan Good Corporate Governance Bagi Bank Umum, Self Assessment Pelaksanaan Good Corporate Governance bank bjb selama tahun 2014 yang berlandaskan pada prinsip dasar yaitu transparency, accountability, responsibility, independency, dan fairness.

In accordance with Bank Indonesia Circular Letter No. 15/15/ DPNP dated 29 April 2013 concerning the implementation of Good Corporate Governance for Commercial Banks, Self Assessment Implementation of Good Corporate Governance bjb banks during 2014, which is based on the basic principle, namely transparency, accountability, responsibility, independence, and fairness.

Sesuai dengan hasil penilaian sendiri (self assessment) Pelaksanaan Good Corporate Governance bank bjb tahun 2014 memiliki peringkat “Baik”. Berdasarkan analisis terhadap seluruh kriteria/indikator penilaian tersebut, disimpulkan bahwa:

In accordance with the results of self-assessment (selfassessment) Implementation of Good Corporate Governance 2014 bank bjb has a rating of “Good”. Based on the analysis of all the criteria/indicators that assessment, concluded that:

A. Governance Structure 1. Faktor-faktor positif aspek governance structure Bank adalah: • Komposisi Pengurus Bank pada posisi Desember 2014 yaitu Direksi berjumlah 7 (tujuh) orang dan Dewan Komisaris berjumlah 7 (tujuh) orang.

A. Governance Structure 1. The positive factors positive of the Bank’s governance structure aspect are: • The composition of the Management of the Bank as of December 2014 was: 7 (seven) members of the Board of Directors and seven (7) members of the Board of Commissioners.

bank bjb Annual Report 2014

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420

TATA KELOLA PERUSAHAAN

•

Telah terdapat struktur tata kelola Bank (Komisaris, Direksi, Komisaris dan Satuan Kerja) sesuai dengan ketentuan perundang-undangan yang berlaku dan telah terdapat kebijakan serta prosedur bagi kegiatan usaha bank; • Terdapat penguatan fungsi kepatuhan khususnya budaya kepatuhan melalui fungsi quality assurance, dengan melaksanakan komitmenkomitmen Bank terhadap Otoritas Jasa Keuangan (OJK) dan otoritas pengawas lainnya, patuh terhadap peraturan-peraturan internal, Peraturan Bank Indonesia dan Perundang-undangan lainnya, serta melaksanakan fungsi quality assurance secara konsisten serta memperhatikan prinsip-prinsip tata kelola yang baik dan azas-azas perbankan yang sehat. 2. Faktor-faktor negatif aspek governance structure Bank adalah: • Pemenuhan Sumber Daya Manusia sampai saat ini masih dalam proses rekrutmen sesuai struktur organisasi Bank.

The Bank’s governance structure (Commissioners, Directors, and Work Units) was in accordance with the provisions of the applicable legislations and the policies and procedures for the Bank’s business have been established; • There was a strengthening of the compliance function, especially the culture of compliance through the quality assurance functions, by performing the Bank’s commitments to the Financial Services Authority (FSA) and other regulatory authorities, adherence to internal regulations, Bank Indonesia Regulations and otherlegislations, as well as carry out the function of quality assurance consistently and with regard to the principles of good governance and the principles of sound banking. 2. The negative factor of the Bank’s governance structure aspect is: t 'VMmMMNFOU PG )VNBO 3FTPVSDFT VOUJM OPX JT still in the process of recruitment based on the organizational structure of the Bank.

B. Governance Process 1. Faktor-faktor positif aspek governance process Bank adalah: • Implementasi pelaporan atas komitmen dilaksanakan Divisi Kepatuhan sesuai dengan ketentuan struktur organisasi bank bjb. • Pelaksanaan fungsi quality assurance bank bjb dilakukan dengan pengisian compliance checklist terhadap permohonan kajian. 2. Faktor-faktor negatif aspek governance process Bank adalah: • Terdapat komitmen Bank yang masih dalam proses penyelesaian.

B. Governance Process 1. The positive factors of the Bank’s governance process aspect are: • Reporting on the commitments undertaken by the Compliance Division was in accordance with the provisions related to Bank bjb organizational structure. • The function of Bank bjb’s quality assurance was QFSGPSNFE CZ mMMJOH UIF DPNQMJBODF BTTFTTNFOU checklist to the review proposal. 2. The negative factor of the Bank’s governance process aspect is: • There is a commitment of the Bank which is still in the process of completion.

C. Governance Outcome 1. Faktor-faktor positif aspek governance outcome Bank adalah: • Pelaksanaan quality assurance di bank bjb merupakan peningkatan kepatuhan Bank terhadap ketentuan yang berlaku. 2. Faktor-faktor negatif aspek governance outcome Bank adalah: • Masih terdapat temuan yang berulang.

C. Governance Outcome 1. The positive factor of the Bank’s governance outcome aspect is: • Implementation of quality assurance in bank bjb SFnFDUTBOJODSFBTFJOUIF#BOLTDPNQMJBODFXJUI the applicable provisions. 2. The negative factor of the Bank’s governance outcome aspect is: : t 5IFFYJTUFODFPGSFDVSSJOHmOEJOHT

bank bjb Laporan Tahunan 2014

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421 GOOD CORPORATE GOVERNANCE

Hasil Penilaian Sendiri Pelaksanaan GCG/GCG Implementation Self Asseesment Peringkat/Rating

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Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good Corporate Governance, NBLBTFDBSBVNVNLFMFNBIBOUFSTFCVULVSBOHTJHOJmLBO dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank The Bank’s Management has implementated good corporate HPWFSOBODF5IJTJTSFnFDUFEJOUIFBEFRVBUFGVMmMMNFOUPG the principles of good corporate governance. If there is a weakness in the application of the principles of good corporate HPWFSOBODF UIFOJOHFOFSBMUIFXFBLOFTTJTMFTTTJHOJmDBOU and can be solved with normal actions conducted by the Bank’s Management.

Peningkatan Kualitas dan Efektivitas GCG

Improving the Quality and Effectiveness of GCG

Pentingnya program peningkatan kualitas dan efektivitas penerapan GCG di lingkungan bank bjb dimanifestasikan melalui sejumlah program, yang antara lain sosialisasi QSPHSBN($( QFOFSBQBOQFEPNBOQFOHFOEBMJBOHSBUJmLBTJ  serta pedoman laporan harta kekayaan. Program-program tersebut sangat penting untuk mendukung penerapan prinsip GCG yang berkualitas secara berkesinambungan.

The importance of improving the quality and effectiveness of GCG implementation at bank bjb is manifested through a number of programs, which includes the socialization of ($(QSPHSBNT BQQMJDBUJPOPGUIFHVJEFMJOFTGPSHSBUJmDBUJPO control, as well as the guidelines for wealth report. Those programs are very important to support the application of the principles of good corporate governance with quality on an ongoing basis.

Program peningkatan kualitas dan efektivitas GCG ini tidak hanya berlaku bagi karyawan bank bjb, tetapi juga untuk seluruh organ Bank. Mulai dari Dewan Komisaris, Direksi, hingga seluruh pegawai. Bahkan dalam implementasinya, segala pemangku kepentingan yang terkait dengan bank bjb termasuk dalam koridor peningkatan pelaksanaan prinsipprinsip GCG.

The program to improve the quality and effectiveness of good corporate governance does not only apply to the employees of bank bjb, but also to all organs of the Bank. Starting from the Board of Commissioners, Board of Directors, to all employees. Moreover, in its implementation, all stakeholders related to bank bjb are included in the corridor of the improvement of GCG principles implementation.

Sejumlah program yang telah dilaksanakan sepanjang tahun 2014, antara lain: • Melaksanakan penyempurnaan compliance sheet bagi bidang-bidang operasional dan non-operasional secara bertahap. • Memantau pelaksanaan hasil pemeriksaan Bank Indonesia dan pemantauan terhadap komitmen Divisi dan Kantor Cabang atas hasil pemeriksaan Divisi Audit Internal. t .FNCVBU 4JTUFN "QMJLBTJ ,PEJmLBTJ ,FUFOUVBO *OUFSOBM Perseroan. • Melakukan pemantauan terhadap transaksi-transaksi Keuangan untuk dilakukan analisa lebih mendalam terhadap potensi terjadinya Transaksi Keuangan Mencurigakan.

A number of programs have been implemented throughout 2014, amont others: t 3FmOFE UIF DPNQMJBODF TIFFU GPS PQFSBUJPOBM BOE OPO operational areas in stages. • Monitored the results of the examination by Bank Indonesia and monitored the commitment of the Division and Branch 0GmDF PO UIF SFTVMUT PG UIF FYBNJOBUJPO CZ UIF *OUFSOBM Audit Division. t $SFBUFEBO*OUFSOBM"QQMJDBUJPO4ZTUFNPOUIF$PEJmDBUJPO of the Internal Rules of the Company. t $POEVDUFE NPOJUPSJOH PG mOBODJBM USBOTBDUJPOT GPS NPSF in-depth analysis on the potential of the occurrence of Suspicious Transactions.

bank bjb Annual Report 2014

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422

TATA KELOLA PERUSAHAAN

•

Melaksanakan kegiatan sosialisasi melalui pendidikan dan pelatihan APU-PPT terhadap karyawan bank bjb dalam rangka meningkatkan pemahaman atas penerapan program APUPPT di unit kerja terkait, dan meningkatkan pemahaman atas risiko pencucian uang dan pendanaan terorisme. t 5FSEBQBULFCJKBLBOQFOHFOEBMJBOHSBUJmLBTJZBOHEJLFMPMB 6OJU1FOHFOEBMJBO(SBUJmLBTJZBOHCFLFSKBTBNBEFOHBO Komisi Pemberantasan Korupsi (KPK) termasuk sosialisasi kepada karyawan untuk meningkatkan awareness LBSZBXBOUFSLBJUQFOHFOEBMJBOHSBUJmLBTJ • Melakukan sosialisasi atas peraturan eksternal terbaru kepada unit kerja. • Melakukan sosialisasi peraturan dan perundangundangan yang berlaku kepada karyawan untuk mendukung terciptanya budaya kepatuhan.

•

Tindak Lanjut Tahun 2015

Follow-ups in 2015

Untuk tahun 2015, program peningkatan kualitas dan efektivitas penerapan GCG di lingkungan bjb, di antaranya akan dilaksanakan: • Sosialisasi Upaya Peningkatan Budaya Kepatuhan Sosialisasi upaya peningkatan Budaya Kepatuhan yang telah disusun dalam Rencana Bisnis Bank Tahun 2015 kegiatan sosialisasi yang bertujuan meningkatkan Budaya kepatuhan dengan rencana sosialisasi sebagai berikut:

For 2015, the programs to improve the quality and effectiveness of GCG implementation in bank bjb, will among others include: • Socialization on the Efforts to Improve Compliance Culture Socialization on the efforts to improve compliance culture that had been prepared in the Bank’s Business Plan 2015 Socialization activities aimed at improving the culture of compliance with the plan of socialization as follows:

No 1

•

•

Action Plan Penyampaian sosialisasi Budaya Kepatuhan baik melalui program pendidikan dan pelatihan pegawai.

TW I

TW II

TW III

TW IV

ð

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Peningkatan Budaya Kepatuhan Melalui Fungsi Quality Assurance Quality Assurance dilakukan dengan sistematis dan terbuka yang ditetapkan dalam model compliance checklist untuk memberikan suatu keyakinan yang memadai bahwa ketentuan, sistem dan prosedur serta kegiatan usaha yang dilakukan oleh Bank terkait bidang supporting maupun business sudah sesuai dengan Peraturan Bank Indonesia dan Peraturan terkait termasuk peraturan internal bank. Pemenuhan Komitmen Implementasi pelaporan atas komitmen dilaksanakan Divisi Kepatuhan sesuai dengan ketentuan struktur organisasi bank bjb serta mengusulkan pemenuhan

bank bjb Laporan Tahunan 2014

Conducted socialization through education and trainings on APU-PPT to bank bjb employees in order to improve the understanding of the implementation of the APUPPT programs in related work units, and increase the understanding of the risk of money laundering and UFSSPSJTNmOBODJOH t .BOBHFE UIF QPMJDZ PO HSBUJmDBUJPO DPOUSPM UISPVHI UIF (SBUJmDBUJPO$POUSPM6OJUJODPPQFSBUJPOXJUIUIF$PSSVQUJPO Eradication Commission (KPK) including the socialization to employees to increase the awareness of employees SFMBUFEUPUIFDPOUSPMPGHSBUJmDBUJPO • Socialized the latest external regulations to the work units. • Socialized the rules and regulations that apply to employees to support the creation of a culture of compliance.

•

Action Plan Submission of Culture of Compliance good socialization through educational programs and employee training.

Improvement of Compliance Culture Through the Quality Assurance Function Quality Assurance will be performed systematically and openly, which is set out in the compliance checklist model to provide a reasonable assurance that the regulations, systems and procedures and business activities DPOEVDUFECZUIF#BOLSFMBUFEUPUIFmFMEPGTVQQPSUJOH or business are in compliance with Bank Indonesia Regulations and the related regulations including the bank’s internal regulations. ‡ )XOÀOOPHQWRI&RPPLWPHQWV Report on the commitments is carried out by the Compliance Division in accordance with the provisions of the organizational structure of bank bjb and the proposal

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

423 GOOD CORPORATE GOVERNANCE

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komitmen Bank yang disampaikan oleh Divisi/Unit Kerja, Kantor Wilayah dan Kantor Cabang dimasukan sebagai salah satu komponen penilaian kinerja dalam Balance Score Card. ,PSOHPHQWDVL3HQJHORODDQ*UDWLÀNDVLGDQ/+.31 1. Berkesinambungan melakukan sosialisasi serta membagikan Kontrak Komitmen/Pakta Integritas untuk ditandatangani oleh Segenap Organisasi bank bjb 2. Melakukan pengelolaan Compliance Sheet Unit 1FOHFOEBMJBO(SBUJmLBTJ 3. Menyatakan kepada Stakeholder mengenai Penerapan 1SPHSBN1FOHFOEBMJBO(SBUJmLBTJ Melakukan Pemantauan Terhadap Kegiatan Pengkinian Data Nasabah. 1. Penyusunan Laporan Rencana Pengkinian Data Nasabah Tahun 2015 dan Laporan Realisasi Pengkinian Data Nasabah Tahun 2014 telah dilaksanakan dan dilakukan selama bulan Januari 2015. 2. Pemantauan pengkinian data nasabah pada Tahun 2015 berfokus pada pencapaian target masing-masing Kantor Cabang dan KCP berdasarkan komitmen yang telah dibuat pada Laporan Rencana Pengkinian Data Nasabah. Melakukan Pemantauan Terhadap Transaksi Nasabah. 1. Pemantauan transaksi nasabah dalam rangka pemenuhan kewajiban Pelaporan terkait penerapan APUPPT kepada PPATK. 2. Pemantauan akan dikembangkan seiring dengan pengembangan aplikasi AML yang bekerja sama dengan Vendor Ahli penyedia aplikasi AML, diharapkan dengan aplikasi AML yang baru proses pemantauan transaksi akan lebih efektif dilaksanakan. Review Prosedur Pelaksanaan Enhanced Due Diligence (EDD) Kantor Cabang. Pelaksanaan EDD akan diterapkan melalui pembuatan Formulir khusus terkait dengan data-data nasabah berisiko tinggi dengan lebih lengkap yang berbeda dengan formulir pembukaan rekening yang hanya sesuai untuk proses Costumer Due Diligence (CDD).

Perubahan Komposisi Pengurus Perseroan Sesuai dengan Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Direksi merupakan organ Perseroan yang berwenang dan bertanggung jawab penuh atas pengurusan Perseroan untuk kepentingan Perseroan, sesuai dengan maksud dan tujuan Perseroan.

‡

•

•

•

UP GVMmMM UIF DPNNJUNFOUT JT DPOWFZFE CZ UIF %JWJTJPOT 8PSL 6OJUT  3FHJPOBM 0GmDFT BOE #SBODI 0GmDFT BT POF of the components of performance assessment in the Balance Score Card. ,PSOHPHQWDWLRQ RI WKH 0DQDJHPHQW RI *UDWLÀFDWLRQ And LHKPN 1. Continuously socialize and distribute the Commitment Contract/ Integrity Pact to be signed by the organization of bank bjb  .BOBHF UIF $PNQMJBODF 4IFFU PG UIF (SBUJmDBUJPO Control Unit 3. Declare to the Stakeholders the Application of (SBUJmDBUJPO$POUSPM1SPHSBN Conduct Monitoring on the Activities of Customer Data Update. 1. Preparation of the Report on the Plan on Customer Data Updates in 2015 and the Report on the Realization of Customer Data Update in t 2014, which had been implemented and carried out during the month of January 2015. 2. Monitor the customer data update in 2015 focused on UIF BDIJFWFNFOU PG UIF UBSHFUT JO FBDI CSBODI PGmDF BOE TVCCSBODI PGmDF CBTFE PO DPNNJUNFOUT NBEF in the Report on the Plan on Customer Data Update. Conduct Monitoring on Customer Transactions.  .POJUPS DVTUPNFS USBOTBDUJPOT JO PSEFS UP GVMmMM UIF reporting obligation related to the APUPPT to PPATK. 2. Monitoring will be developed along with the development of AML application in cooperation with the Vendor expert in AML application providers. It is expected that with the new AML application, the transactions monitoring process can be implemented more effectively. Review the Procedures for Enhanced Due Diligence ('' RIWKH%UDQFK2IÀFHV EDD will be implemented through the creation of a special form related to the data of customers with high-risk which is more complete and different with the account opening form which is only appropriate for the process of Customer Due Diligence (CDD).

Changes in Composition of the Management of the Company In accordance with Act No. 40 of 2007 on Limited Liability Company, the Company’s Board of Directors is the authorized organ fully responsible for the management of the Company GPSUIF$PNQBOZTCFOFmUTJOBDDPSEBODFXJUIUIFHPBMTBOE objectives of the Company. bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

424

TATA KELOLA PERUSAHAAN

Begitu juga dengan Dewan Komisaris, yang merupakan organ Perseroan. Tugas dan tanggung jawabnya adalah melakukan pengawasan dan memberikan nasihat kepada Direksi serta memastikan penerapan prinsip-prinsip tata kelola perusahaan yang baik (Good Corporate Governance/GCG) pada seluruh tingkatan atau jenjang organisasi.

Similar with the Board of Commissioners which is an organ of the Company. The duties and responsibilities of the Board of Commissioners are to supervise and provide advices to the Board of Directors, as well as ensure the application of the principles of good corporate governance (GCG) at all levels or ranksof the organization.

Dalam industri perbankan, penentuan Direksi dan Dewan Komisaris melibatkan regulator di bidang keuangan, dalam hal ini Otoritas Jasa Keuangan. Karena itu, penentuan Direksi dan Dewan Komisaris bukan hanya otoritas pemegang saham, walaupun kemudian ditetapkan melalui Rapat Umum Pemegang Saham.

In the banking industry, the appointment of the Board of Directors and Board of Commissioners involve regulators JO UIF mOBODJBM mFME  JO UIJT DBTF UIF 'JOBODJBM 4FSWJDFT Authority. Therefore, the appointment of the Board of Directors and Board of Commissioners is not only the authority of the shareholders, even if later determined by the General Meeting of Shareholders.

Di lingkungan Perseroan, sepanjang tahun 2014 telah mengalami dua kali Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) untuk menentukan komposisi Direksi dan Dewan Komisaris yaitu pada tanggal 1 Juli 2014 dan tanggal 19 Desember 2014.

During the year 2014, the Company performed two Extraordinary General Meeting of Shareholders (EGM) to determine the composition of the Board of Directors and Board of Commissioners, namely on July 1, 2014 and December 19, 2014.

Pada tanggal 1 Juli 2014, Perseroan menyelenggarakan RUPSLB di Bandung, yang menghasilkan keputusan, di antaranya: a. Memberhentikan dengan hormat Bien Subiantoro selaku Direktur Utama Perseroan, Arie Yulianto selaku Direktur Perseroan dan Djamal Muslim selaku Direktur Perseroan. b. Mengangkat Ahmad Irfan selaku Direktur Perseroan terhitung sejak berlakunya perubahan Anggaran Dasar Perseroan yang telah disetujui dalam RUPS Luar Biasa dimaksud.

On July 1, 2014, the Company’s EGM was held in Bandung, which resulted in the following decisions: a. Dismiss with respect Bien Subiantoro as the President Director of the Company, Arie Yulianto as a Director of the Company and Djamal Muslim as a Director of the Company. b. Appoint Ahmad Irfan as a Director of the Company since the application of the amendments to the Articles of Association of the Company which has been approved in the Extraordinary General Meeting of Shareholders referred to.

Dengan demikian susunan Pengurus Perseroan menjadi sebagai berikut:

Thus, the composition of the Management of the Company became:

Dewan Komisaris Komisaris Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Independen

Board of Commissioners Commissiner : Independent Commissiner : Independent Commissiner : Independent Commissiner : Independent Commissiner :

Direksi Direktur Kepatuhan dan Manajemen Risiko Direktur

bank bjb Laporan Tahunan 2014

: : : : :

Muhadi Achmad Baraba Klemi Subiyantoro Yayat Sutaryat Rudhyanto Mooduto

: Zaenal Aripin : Ahmad Irfan

Muhadi Achmad Baraba Klemi Subiyantoro Yayat Sutaryat Rudhyanto Mooduto

Board of Directors Director – Compliance and Risk Management : Zaenal Aripin Director : Ahmad Irfan

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

425 GOOD CORPORATE GOVERNANCE

Pada tanggal 19 Desember 2014, Perseroan kembali menyelenggarakan RUPSLB di Bandung, dengan keputusan diantaranya: B .FOHBOHLBU 5BVmFRVSBDINBO 3VLJ TFMBLV ,PNJTBSJT Utama dan Wawan Ridwan selaku Komisaris b. Mengangkat Ahmad Irfan selaku Direktur Utama c. Mengangkat Agus Gunawan, Benny Santoso, Fermiyanti, Nia Kania dan Suartini selaku Direktur

In December 19, 2014, the Company held the another EGM in Bandung, with the following decisions: B "QQPJOU 5BVmFRVSBDINBO 3VLJ BT UIF 1SFTJEFOU Commissioner and Wawan Ridwan as Commissioner b. Appoint Ahmad Irfan as the President Director c. Appoint Agus Gunawan, Benny Santoso, Fermiyanti, Nia Kania and Suartini as Directors

Selain hal tersebut, RUPSLB juga memberikan wewenang kepada Direktur Utama untuk menetapkan pembagian bidang kerja Direksi dengan melaporkan hasil keputusan tersebut kepada Dewan Komisaris.

In addition, the EGM also gave authorization to the President Director to establish the division of tasks of the Board of Directors and report the results of the decision to the Board of Commissioners.

Dengan demikian, susunan Pengurus Perseroan sejak ditutupnya Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) dimaksud menjadi sebagai berikut:

Thus, the composition of the Management of the Company since the closing of the Extraordinary General Meeting of the 4IBSFIPMEFST &(. CFEFmOFEBTGPMMPXT

Dewan Komisaris ,PNJTBSJT6UBNB Komisaris Komisaris Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Independen

 : : : : : :

5BVmFRVSBDINBO3VLJ Muhadi Wawan Ridwan Achmad Baraba Klemi Subiyantoro Rudhyanto Mooduto Yayat Sutaryat

Board of Commissioners 1SFTJEFOU$PNNJTTJPOFS Commissioner Commissioner Independent Commissiner Independent Commissiner Independent Commissiner Independent Commissiner

 : : : : : :

5BVmFRVSBDINBO3VLJ Muhadi Wawan Ridwan Achmad Baraba Klemi Subiyantoro Rudhyanto Mooduto Yayat Sutaryat

Direksi Direktur Utama Direktur Direktur Direktur Direktur Direktur Direktur

: : : : : : :

Ahmad Irfan Zaenal Aripin Agus Gunawan Benny Santoso Fermiyanti Nia Kania Suartini

Board of Directors President Director Director Director Director Director Director Director

: : : : : : :

Ahmad Irfan Zaenal Aripin Agus Gunawan Benny Santoso Fermiyanti Nia Kania Suartini

Selanjutnya, sesuai dengan Surat Keputusan Direktur Utama Nomor 1022/SK/DIR-CS/2014 tanggal 29 Desember 2014 tentang Penetapan Susunan Direksi, telah ditetapkan susunan Direksi Perseroan yaitu sebagai berikut:

Furthermore, in accordance with the Decree of the President Director No. 1022/SK/DIR-CS/2014 dated December 29, 2014 on the Establishment of Board of the composition of the Board of Directors, the composition of the Board of Directors of the Company has been determined as follows:

Direktur Utama Direktur Kepatuhan dan Manajemen Risiko Direktur Mikro Direktur Operasional

President Director Director – Compliance and Risk Management Director – Micro Director – Operational

:

Ahmad Irfan

: : :

Zaenal Aripin Agus Gunawan Benny Santoso

:

Ahmad Irfan

: : :

Zaenal Aripin Agus Gunawan Benny Santoso

bank bjb Annual Report 2014

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426

TATA KELOLA PERUSAHAAN

Direktur Konsumer Direktur Keuangan Direktur Komersial

: : :

Director – Consumer Director – Finance Director – Commercial

Fermiyanti Nia Kania Suartini

Program Peningkatan Kualitas dan Efektivitas GCG bank bjb menyadari pentingnya peningkatan kualitas Tata Kelola Perusahaan secara terstruktur dan berjenjang. Untuk itu bank bjb menyelenggarakan program-program yang terkait dengan Peningkatan Kualitas dan Efektivitas GCG. Di tahun 2014 program-program yang dilaksanakan antara lain adalah: Keterangan/Description

Fermiyanti Nia Kania Suartini

The Program to Improve the Quality and Effectiveness of GCG bank bjb is aware of the importance of improving the quality of good corporate governance in a structured and tiered manner. To that end, bank bjb holds programs related to the improvement of the Quality and Effectiveness of GCG. In 2014 the programs included:

Tanggal/Date

Tempat/Location

Train for Trainer Train for Trainer

27-29 Januari 2014 January 27-29, 2014

Inhouse bank bjb

Train for Trainer & Salesmanship For Service People Train for Trainer & Salesmanship For Service People

17-19 Februari 2014 February 17-19, 2014

Inhouse bank bjb

Train for Trainer Harta Kekayaan Negara Train for Trainer State Assets

6 Mei 2014 May 6, 2014

Jakarta

TOT Lanjutan Piloting Pembentukan Tunas Integritas dan Pembangunan Sistem Integritas Organisasi Advanced TOT Piloting the Establishment of Cadres of Integrity and Development of Organization Integrity System

2-4 Desember 2014 December 2-4, 2014

Inhouse bank bjb

Keterangan/Description

Tanggal/Date

Tempat/Location

Pelatihan Change Agent Change Agent Training

13 November 2014 November 13, 2014

Inhouse bank bjb

bank bjb Laporan Tahunan 2014

: : :

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

427 GOOD CORPORATE GOVERNANCE

Informasi Penting Lain Terkait GCG

Other Important Information Related to GCG

1. Penghargaan Penerapan GCG Konsistensi bank bjb dalam melaksanakan penerapan prinsip-prinsip GCG di lingkungan Bank telah mendapatkan apresiasi dari pemangku kepentingan yang berkompeten. Untuk tahun 2014, penghargaan penerapan GCG diberikan oleh Komisi Pemberantasan Korupsi (KPK).

1.

Awards on GCG Implementation bank bjb’s consistency in implementing the principles of good corporate governance in the Bank has gained the appreciation of competent stakeholders. For 2014, the award on the GCG implementation is given by the Corruption Eradication Commission (KPK).

Lembaga tersebut menilai bahwa bank bjb telah memenuhi komitmen terhadap penerapan larangan menerima HSBUJmLBTJ EJ MJOHLVOHBO #BOL  ZBOH NFSVQBLBO CBHJBO penting dalam pelaksanaan tata kelola perusahaan yang baik. Penghargaan dari KPK pada tahun 2014 itu adalah i#6.% %FOHBO +VNMBI -BQPSBO (SBUJmLBTJ 5FSCBOZBL dan 96,14% Tepat Waktu Tahun 2014” yang diberikan pada tanggal 9 Desember 2014.

The agency assesses that bank bjb IBT GVMmMMFE JUT DPNNJUNFOUUPUIFQSPIJCJUUIFBDDFQUBODFPGHSBUJmDBUJPO in the Bank, which is an important part in the implementation of good corporate governance. The award from KPK in 2014 was “The Regional-Owned Company With the )JHIFTU /VNCFS PG (SBUJmDBUJPO 3FQPSU BOE  0O Time in 2014” which was handed in December 9, 2014.

 8QLW3HQJHQGDOLDQ*UDWLÀNDVL Sesuai dengan Undang-Undang Nomor 20 tahun 2001 UFOUBOH1FNCFSBOUBTBO5JOEBL1JEBOB,PSVQTJ HSBUJmLBTJ adalah pemberian dalam arti luas, yakni meliputi pemberian uang, barang, rabat (discount), komisi, pinjaman tanpa bunga, tiket perjalanan, fasilitas penginapan, perjalanan wisata, pengobatan cuma-cuma, dan fasilitas lainnya.

 *UDWLÀFDWLRQ&RQWURO8QLW In accordance with Law No. 20 of 2001 on Corruption &SBEJDBUJPO  HSBUJmDBUJPO HSBUJmDBUJPO JT UIF HJGU JO B broad sense, namely including money, goods, rebate (discount), commissions, interest-free loans, travel tickets, accomodation, travel, free medical treatment, and other facilities.





(SBUJmLBTJ UFSTFCVU CBJL ZBOH EJUFSJNB EJ EBMBN OFHFSJ maupun di luar negeri dan yang dilakukan dengan menggunakan sarana elektronik atau tanpa sarana elektronik. Ketentuan tersebut tidak berlaku jika penerima NFMBQPSLBO HSBUJmLBTJ ZBOH EJUFSJNBOZB LFQBEB ,PNJTJ Pemberantasan Tindak Pidana Korupsi. Bagi bank bjb  QFOHFOEBMJBO HSBUJmLBTJ NFSVQBLBO bagian penting dari proses pelaksanaan penerapan GCG di lingkungan Bank. Karena itulah, Bank telah membentuk 6OJU 1FOHFOEBMJBO (SBUJmLBTJ TFCBHBJ XVKVE LPNJUNFO menciptakan tata kelola perusahaan yang baik dan bersih agar tercipta kinerja GCG yang berkesinambungan.

(SBUJmDBUJPOXIJDIBSFCPUISFDFJWFEBUJOTJEFUIFDPVOUSZ and abroad and carried out by using electronic means or without electronic means. The provision does not apply if UIF SFDJQJFOU SFQPSUT UIF HSBUJmDBUJPO IF TIF SFDFJWFT UP the Corruption Eradication Commission.

For bank bjb  DPOUSPMMJOH HSBUJmDBUJPO JT BO JNQPSUBOU part of the process of GCG implementation in the Bank. 5IFSFGPSF UIF#BOLIBTFTUBCMJTIFEB(SBUJmDBUJPO$POUSPM Unit as a form of commitment to create good and clean corporate governance in order to create sustainable performance of GCG.

bank bjb Annual Report 2014

428

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TATA KELOLA PERUSAHAAN

2UJDQLVDVL8QLW3HQJHQGDOLDQ*UDWLÀNDVL

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Di lingkungan bank bjb  6OJU 1FOHFOEBMJBO (SBUJmLBTJ berada di bawah Direktorat Kepatuhan, yang bekerja secara independen. Dalam arti, tidak dapat diintervensi saat melaksanakan fungsinya di bidang kepatuhan.

In bank bjb  UIF (SBUJmDBUJPO $POUSPM 6OJU JT VOEFS UIF Directorate of Compliance, which works independently. In a sense, there shall be no interventions when carrying out its GVODUJPOTJOUIFmFMEPGDPNQMJBODF

%BMBN QFOHFMPMBBO QSPHSBN QFOHFOEBMJBO HSBUJmLBTJ  bank bjb senantiasa bekerja sama dengan KPK sebagai lembaga yang memiliki wewenang dan kompeten terkait EFOHBO NBTBMBI HSBUJmLBTJ 4FMBJO JUV  ,1, KVHB NFSVQBLBO lembaga yang melaksanakan amanah dari Undang-Undang 1FNCFSBOUBTBO 5JOEBL 1JEBOB ,PSVQTJ  EJNBOB HSBUJmLBTJ menjadi bagian dari undang-undang tersebut.

*O UIF NBOBHFNFOU PG UIF HSBUJmDBUJPO DPOUSPM QSPHSBN  bank bjb continues to cooperate with KPK as an institution that has the authority and competence related to issues on HSBUJmDBUJPO*OBEEJUJPO ,1,JTBMTPBOJOTUJUVUJPOUIBUDBSSJFT out the mandate of the Law on Combating Corruption, in which HSBUJmDBUJPOCFDPNFTQBSUPGUIFMBX

Landasan Pelaksanaan

Basis of Implementation

Sejumlah peraturan telah diterbitkan dan dimutakhirkan terkait EFOHBO QFMBLTBOBBO QFOHFOEBMJBO HSBUJmLBTJ EJ MJOHLVOHBO bank bjb. Di antara peraturan internal yang dijadikan landasan pelaksanaan adalah: • Surat Keputusan Direksi bank bjb Nomor: 709/SK/DIRKP/2014 tentang Etika Usaha dan Tata Perilaku (Code of Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 713/SK/DIRKP/2014 tentang Pedoman Laporan Harta Kekayaan di Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 714/SK/DIRKP/2014 tentang Standar Operasional Prosedur Laporan Harta Kekayaan di Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 711/SK/DIR,1 UFOUBOH 1FEPNBO 1FOHFOEBMJBO (SBUJmLBTJ EJ Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Surat Keputusan Direksi bank bjb Nomor: 712/SK/ DIR-KP/2014 tentang Standar Operasional Prosedur 1FOHFOEBMJBO (SBUJmLBTJ EJ -JOHLVOHBO 15 #BOL Pembangunan Daerah Jawa Barat dan Banten Tbk.

"OVNCFSPGSFHVMBUJPOTSFMBUFEUPHSBUJmDBUJPODPOUSPMJOCBOL bjb have been published and updated. The internal rules used as the basis of implementation include: • Decree of the Board of Directors of bank bjb No. 709/SK/ DIR-KP/2014 on the Business Ethics and Code of Conduct of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 713/SK/ DIR-KP/2014 on the Guidelines for the Wealth Report in PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 714/SK/ DIR-KP/2014 on the Standard Operating Procedures for the Wealth Report in PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 711/SK/ %*3,1POUIF(VJEFMJOFTGPS(SBUJmDBUJPO$POUSPMJO PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 712/SK/ DIR-KP/2014 on the Standard Operating Procedures for UIF(SBUJmDBUJPO$POUSPMJO15#BOL1FNCBOHVOBO%BFSBI Jawa Barat dan Banten Tbk.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

429 GOOD CORPORATE GOVERNANCE

Pelaksanaan Kegiatan 2014

Implementation of Activities in 2014

4FQBOKBOH UBIVO   6OJU 1FOHFOEBMJBO (SBUJmLBTJ UFMBI  MBQPSBO QFOFSJNBBO HSBUJmLBTJ TFOJMBJ FLVJWBMFO  Rp107,76 juta. Dari seluruh laporan itu, 38 di antaranya yang senilai (ekuivalen) Rp23,4 juta menjadi penanganan KPK EBMBNQFOFUBQBOTUBUVTHSBUJmLBTJZBOHEJUFSJNB

5ISPVHIPVU   UIF (SBUJmDBUJPO $POUSPM 6OJU IBT SFDFJWFE  SFQPSUT PO HSBUJmDBUJPO XPSUI FRVJWBMFOU UP  3Q  million. From all reports, 38 of which, namely worth (equivalent to) Rp 23.4 million, were handled by KPK in determining the TUBUVTPGUIFSFDFJWFEHSBUJmDBUJPO

bank bjb Annual Report 2014

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430

RAPAT UMUM PEMEGANG SAHAM (RUPS) GENERAL MEETINGS OF SHAREHOLDERS (GMS)

RUPS yang dilaksanakan setiap tahun mempunyai wewenang untuk meminta pertanggung jawaban Dewan Komisaris dan Direksi terkait dengan pengelolaan perusahaan, mengubah anggaran dasar, mengangkat dan memberhentikan Dewan Komisaris dan Direksi, memutuskan pembagian tugas dan wewenang Direktur dan lainnya. bank bjb menjamin untuk memberikan segala keterangan yang berkaitan dengan Bank kepada pemegang saham, sepanjang tidak bertentangan dengan kepentingan perusahaan dan peraturan perundangundangan. Keputusan dalam RUPS didasarkan pada kepentingan Perseroan. RUPS tidak dapat melakukan intervensi terhadap tugas, fungsi, dan wewenang Dewan Komisaris dan Direksi dengan tidak mengurangi wewenang RUPS untuk menjalankan haknya sesuai dengan anggaran dasar dan peraturan.

General Meetings of Shareholders, which is held each year, have the authority to hold accountable the Board of Commissioners and Directors related to the management of the company, the changes of articles of associations, the appointing and dismissal of the Board of Commissioners and Directors, decisions on the division of duties and authorities of the Director, and others. bank bjb guarantees to provide all information related to the Bank to shareholders, as long as they are not contrary to the interests of the company. General Meetings of Shareholders can not intervene against the duties, functions, and authority of the Board of Commissioners and Directors, without undermining the authority of the General Meetings of Shareholders to run its right in accordance with the statutes and regulations.

RUPS merupakan organ tertinggi di bank bjb, yang memegang seluruh otoritas yang tidak dilimpahkan kepada Dewan Komisaris ataupun Direksi. Pelaksanaan RUPS dilakukan melalui Rapat Umum Pemegang Saham Tahunan (RUPST) dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB).

GMS is the highest part of bank bjb, which holds all authority not delegated to the Board of Commissioners or Board of Directors. Implementation of the GMS is done through the Annual General Meeting of Shareholders (AGMS) and Extraordinary General Meeting of Shareholders (EGMS).

Rapat Umum Pemegang Saham Tahun Buku 2014

General Meeting of Shareholders for Fiscal Year 2014

Di tahun 2014 Perseroan telah menyelenggarakan 3 (tiga) kali Rapat Umum Pemegang Saham (RUPS) dengan rincian sebagai berikut:

In 2014, the Company conducted 3 (three) General Meeting of Shareholders (GMS) with the following details:

I.

I.

Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa Tahun 2014 RUPS dilaksanakan di Bandung pada tanggal 26 Maret 2014 yang diawali dengan Pemberitahuan rencana penyelenggaraan RUPS kepada OJK dan Bursa Efek Indonesia dengan langkah-langkah sebagai berikut: a. Nomor 066/DIR-CS/2014 tanggal 17 Februari 2014 perihal pemberitahuan Rencana Penyelenggaraan RUPS. b. Nomor 081/DIR-CS/2014 tanggal 24 Februari 2014 perihal Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham. c. Nomor 098/DIR-CS/2014 tanggal 11 Maret 2014 perihal Penyampaian Bukti Iklan Panggilan RUPS Tahunan Tahun Buku 2013 dan Luar Biasa Tahun 2014. d. Nomor 154/DIR-CS/2014 tanggal 27 Maret 2014 perihal Penyampaian Hasil Keputusan RUPS Tahunan

bank bjb Laporan Tahunan 2014

Annual General Meeting of Shareholders for the Fiscal Year 2013 and Extraordinary GMS 2014 The GMS was held in Bandung in March 26, 2014 and began with the announcement of the plan of GMS to the FSA and the Indonesia Stock Exchange with the following steps: a. No 066/DIR-CS/2014 dated February 17, 2014 DPODFSOJOHUIFOPUJmDBUJPOPOUIFQMBOGPS(.4 b. No 081/DIR-CS/2014 dated February 24, 2014 regarding the Submission of the Proof of Advertisement PO UIF /PUJmDBUJPO PG UIF (FOFSBM .FFUJOH PG Shareholders. c. No. 098/DIR-CS/2014 dated March 11, 2014 regarding the Submission of the Proof of Advertisement on the Invitation for Annual General Meeting of Shareholders for the Fiscal Year 2013 and 2014 Extraordinary GMS. d. No. 154/DIR-CS/2014 dated March 27, 2014 concerning the Submission of the Decisions of the

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

431

Tahun Buku 2013 dan Luar Biasa Tahun 2014 serta Pembagian Dividen Tunai Tahun Buku 2013.

Iklan pemberitahuan, panggilan dan hasil keputusan RUPS tersebut di publikasikan pada 3 (tiga) Harian Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan Radar Banten. Agenda RUPS Tahunan Tahun Buku 2013 dan Luar Biasa 2014 a. RUPS Tahunan Tahun Buku 2013 1. Persetujuan Laporan Tahunan Direksi mengenai keadaan dan jalannya Perseroan termasuk Laporan Pelaksanaan Tugas Pengawasan Dewan Komisaris untuk Tahun Buku 2013 dan pengesahan Laporan Keuangan Perseroan Tahun Buku 2013 sekaligus pembebasan tanggung jawab sepenuhnya kepada Direksi dan Dewan Komisaris atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku 2013. 2. Penetapan penggunaan laba bersih termasuk pembagian dividen untuk Tahun Buku 2013. 3. Pemberian kuasa kepada Dewan Komisaris dalam hal penunjukkan Kantor Akuntan Publik untuk mengaudit Laporan Keuangan Perseroan Tahun Buku 2014. 4. Laporan penggunaan dana hasil penawaran umum perdana saham Perseroan pada tahun 2013.

Annual General Meeting of SHareholders for Fiscal Year 2013 and the 2014 Extraordinary GMS as well as the distribution of Cash Dividend for the Fiscal Year 2013. 

5IF "EWFSUJTNFOU PO UIF OPUJmDBUJPO  JOWJUBUJPO  BOE the decisions of the general meeting of shareholders were published in 3 (three) Daily Newspapers, namely Bisnis Indonesia, Pikiran Rakyat and Radar Banten.

Agenda for the Annual General Meeting of Shareholders IRU WKH ÀVFDO \HDU  DQG WKH  ([WUDRUGLQDU\ GMS a. Annual General Meeting of Fiscal Year 2013 1. Approved the Annual Report of the Board of Directors on the situation and the course of the Company, including the Report on the application of the supervisory function of the Board of $PNNJTTJPOFST GPS 'JTDBM :FBS  BOE SBUJmFE the Financial Statements for the Fiscal Year 2013 as well as released the the Board of Directors and Board of Commissioners from the actions of management and supervision applied during the mTDBMZFBS  %FUFSNJOFE UIF VTF PG OFU QSPmU JODMVEJOH UIF EJTUSJCVUJPOPGEJWJEFOEGPSUIFmTDBMZFBS 3. Gave authorization to the Board of Commissioners UP BQQPJOU B QVCMJD BDDPVOUJOH mSN UP BVEJU UIF Company’s Financial Statements for Fiscal Year 2014. 4. Reported the use of proceeds from the Company’s initial public offering in 2013.

b. RUPS Luar Biasa Tahun 2014 1. Perubahan dan atau penyesuaian beberapa pasal Anggaran Dasar Perseroan.

b. 2014 Extraordinary General Meeting of Shareholders 1. Changes and or adjustments of several articles of the Company’s Articles of Association.

Hasil RUPS Tahunan Tahun Buku 2013 dan Luar Biasa Tahun 2014 a. RUPS Tahunan Tahun Buku 2013 Rapat Umum Pemegang Saham telah memenuhi korum karena dihadiri oleh pemegang saham yang mewakili 7.750.358.873 saham atau 79,9 % dari seluruh saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan, sesuai dengan Anggaran Dasar Perseroan.

Results for the Annual General Meeting of Shareholders Fiscal Year 2013 and 2014 Extraordinary GMS a. Annual General Meeting of Sahareholders Fiscal Year 2013  5IF (FOFSBM .FFUJOH PG 4IBSFIPMEFST IBT GVMmMMFE the quorum as it was attended by shareholders representing 7,750,358,873 shares or 79.9% of the total shares with valid voting rights issued by the Company, in accordance with the Company’s Articles of Association.

bank bjb Annual Report 2014

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432

RAPAT UMUM PEMEGANG SAHAM (RUPS)

Keputusan Agenda 1: a. Menyetujui Laporan Tahunan Perseroan dan menyetujui Laporan Tugas Pengawasan yang telah dilaksanakan oleh Dewan Komisaris untuk Tahun Buku 2013. b. Mengesahkan Laporan Keuangan Perseroan untuk tahun buku 2013 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Suherman & Surja, anggota dari Ernst & Young Global sesuai dengan laporannya No. RPC - 4960/PSS/2014 tanggal 6 Maret 2014, dengan pendapat wajar dalam semua hal yang material sesuai dengan Standar Akuntansi Keuangan di Indonesia. c. Selanjutnya dengan disetujuinya Laporan Tahunan dan disahkannya Laporan Keuangan Perseroan Konsolidasian untuk tahun buku 2013 tersebut, maka RUPS memberikan pelunasan dan pembebasan sepenuhnya dari tanggung jawab (acquit et de charge) kepada seluruh anggota Direksi atas tindakan pengurusan dan kepada seluruh anggota Dewan Komisaris atas tindakan pengawasan yang telah dijalankan selama tahun buku 2013 sejauh tindakan tersebut tercermin dalam Laporan Keuangan Perseroan. Keputusan Agenda 2: Menyetujui penetapan penggunaan Laba Bersih Perseroan untuk Tahun Buku 2013 sebesar Rp 1.376.662.207.463,- (satu triliun tiga ratus tujuh puluh enam miliar enam ratus enam puluh dua juta dua ratus tujuh ribu empat ratus enam puluh tiga rupiah) sebagai berikut: a. 55% (lima puluh lima persen) dari laba bersih tahun buku 2013 atau setelah pembulatan sebesar Rp 757.280.340.065,- (tujuh ratus lima puluh tujuh miliar dua ratus delapan puluh juta tiga ratus empat puluh ribu enam puluh lima rupiah) ditetapkan sebagai dividen tunai dan dibagikan kepada seluruh pemegang saham yang tercatat sesuai dengan ketentuan yang berlaku. Selanjutnya memberikan kuasa dan wewenang kepada Direksi untuk mengatur tatacara pembayaran dividen tunai tersebut. b. 45% (empat puluh lima persen) dari laba bersih tahun buku 2013 atau setelah pembulatan sebesar Rp 619.381.867.398,- (enam ratus sembilan belas miliar tiga ratus delapan puluh satu juta delapan

bank bjb Laporan Tahunan 2014

Decisions of Agenda 1: a. Approved the Company’s Annual Report and approved the Report on the supervision conducted by the Board of Commissioners for the Fiscal Year 2013. C 3BUJmFE UIF $PNQBOZT 'JOBODJBM 4UBUFNFOUT GPS UIF mOBODJBM ZFBS  BVEJUFE CZ 1VSXBOUPOP  Suherman & Surja, a member of Ernst & Young Global in accordance with the report No RPC - 4960/ PSS/2014 dated March 6, 2014, with reasonable opinion in all material respects in accordance with the Financial Accounting Standards in Indonesia. c. Furthermore, with the approval of the Annual 3FQPSU BOE UIF SBUJmDBUJPO PG UIF $PNQBOZT $POTPMJEBUFE'JOBODJBM4UBUFNFOUTGPSUIFmOBODJBM year 2013, the GMS provides full release and discharge of all responsibilities (acquit et de charge) to all members of the Board of Directors for the actions of management and to all members of the Board of Commissioners for the supervision NFBTVSFTFYFDVUFEEVSJOHUIFmOBODJBMZFBS BTGBSBTUIFBDUJPOTBSFSFnFDUFEJOUIF$PNQBOZT Financial Statements.



Decisions of Agenda 2: "QQSPWFEUIFVTFPGUIF$PNQBOZT/FU1SPmUGPSUIF mTDBM ZFBS  BNPVOUFE UP 3Q      (one billion three hundred and seventy-six billion six hundred and sixty-two million two hundred seven thousand four hundred sixty-three Rupiah) as follows: B  mGUZmWF QFSDFOU  PG UIF OFU QSPmU PG UIF mOBODJBMZFBSPS3Q    TFWFO IVOESFE BOE mGUZTFWFO CJMMJPO UXP IVOESFE eighty million three hundred forty thousand sixtymWF 3VQJBI  BGUFS SPVOEJOH XJMM CF EFTJHOBUFE BT cash dividends and distributed to all registered shareholders in accordance with the applicable regulations. Furthermore, power and authority are given to the Board of Directors to regulate the procedures for the payment of cash dividends. C  GPSUZ mWF QFSDFOU  PG UIF OFU QSPmU PG UIF mOBODJBM ZFBS  PS 3Q     TJY hundred and nineteen billion three hundred and eighty-one million eight hundred and sixty-seven thousand three hundred and ninety eight Rupiah)

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

433 GENERAL MEETINGS OF SHAREHOLDERS (GMS)

ratus enam puluh tujuh ribu tiga ratus sembilan puluh delapan rupiah) ditetapkan sebagai Cadangan Umum.

after rounding will be designated as general reserves.

Keputusan Agenda 3 : Memberikan kuasa kepada Dewan Komisaris untuk: a. Menunjuk Kantor Akuntan Publik untuk melakukan audit laporan keuangan perseroan Tahun Buku 2014. b. Menetapkan persyaratan lain serta besarnya jasa audit dengan memperhatikan kewajaran serta ruang lingkup pekerjaan audit.

Decision of Agenda 3: Authorize the Board of Commissioners to: a. Appoint a Public Accounting Firm to audit the $PNQBOZT mOBODJBM TUBUFNFOUT GPS 'JTDBM :FBS 2014. b. Determine other requirements as well as the amount of audit services with regard to fairness and scope of audit work.

Keputusan Agenda 4: Penyampaian Laporan Realisasi Penggunaan Dana Hasil Penawaran Perdana Saham Perseroan Tahun 2013. Bahwa per tanggal 31 Desember 2013, Penggunaan Dana Hasil Penawaran Perdana Saham dimaksud adalah sebagai berikut: a. 80% dana hasil IPO yang dialokasikan untuk ekspansi kredit termasuk sektor UMKM senilai Rp 1.143.552.608.643,- (satu triliun seratus empat puluh tiga miliar lima ratus lima puluh dua juta enam ratus delapan ribu enam ratus empat puluh tiga rupiah) telah seluruhnya digunakan. b. 10% dana hasil IPO yang dialokasikan untuk perluasan jaringan kantor senilai Rp 142.944.076.080,- (seratus empat puluh dua miliar sembilan ratus empat puluh empat juta tujuh puluh enam ribu delapan puluh rupiah) telah seluruhnya digunakan. c. 10% dana hasil IPO yang dialokasikan untuk pengembangan teknologi informasi senilai Rp 142.944.076.080,- (seratus empat puluh dua miliar sembilan ratus empat puluh empat juta tujuh puluh enam ribu delapan puluh rupiah) telah digunakan sebesar Rp 75.706.635.796,- (tujuh puluh lima miliar tujuh ratus enam juta enam ratus tiga puluh lima ribu tujuh ratus sembilan puluh enam rupiah).

Decision of Agenda 4: Submission of the Report on the Usage of Proceeds from the Initial Public Offering of the Shares of the Company in 2013. As of December 31, 2013, the Proceeds from Initial Public Offering of Shares referred to will be used as follows: a. 80% of the proceeds of the IPO have been fully allocated to the expansion of credit including to the MSME sector with the amount of Rp 1,143,552,608,643 (one billion one hundred and GPSUZUISFFCJMMJPO mWFIVOESFEBOEmGUZUXPNJMMJPO six hundred and eight thousand six hundred and forty-three Rupiah). b. 10% of the proceeds has been fully allocated to the expansion of branch network with the amount of Rp 142,944,076,080 (one hundred and forty-two billion nine hundred and forty-four million seventysix thousand eighty Rupiah). c. 10% of the proceeds will be allocated to the development of information technology with the value of Rp 142,944,076,080 (one hundred and forty-two billion nine hundred and forty-four million seventy-six thousand eighty Rupiah) and 3Q     TFWFOUZ mWF CJMMJPO TFWFO IVOESFE TJY NJMMJPO TJY IVOESFE BOE UIJSUZmWF thousand seven hundred and ninety-six Rupiah) has been fully allocated.

Maka sisa dana hasil penawaran umum perdana sebesar Rp 67.237.440.284,- (enam puluh tujuh miliar dua ratus tiga puluh tujuh juta empat ratus empat puluh ribu dua ratus delapan puluh empat rupiah) belum digunakan dan direncanakan digunakan pada tahun 2014.

The remaining proceeds from the Initial Public Offering namely Rp 67,237,440,284 (sixty seven billion two hundred and thirty-seven million four hundred forty thousand two hundred and eighty-four Rupiah) has not been used and is planned to be used in 2014.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

434

RAPAT UMUM PEMEGANG SAHAM (RUPS)

b. RUPS Luar Biasa Tahun 2014 Rapat Umum Pemegang Saham telah memenuhi korum karena dihadiri oleh pemegang saham yang mewakili 7.822.829.973 saham atau 80,6% dari seluruh saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan, sesuai dengan Anggaran Dasar Perseroan dan peraturan perundangan yang berlaku.

b. Extraordinary General Meeting of Shareholders in 2014  5IF (FOFSBM .FFUJOH PG 4IBSFIPMEFST IBT GVMmMMFE UIF quorum as it was attended by shareholders representing 7,822,829,973 shares or 80.6% of the total shares with valid voting rights issued by the Company, in accordance to the Company’s Articles of Association and applicable legislations.

Keputusan RUPS Luar Biasa RUPS Luar Biasa tidak memberikan persetujuan usulan perubahan dan atau penyesuaian pasal Anggaran Dasar Perseroan, Direksi diminta untuk melakukan kajian kembali butir-butir perubahan dan atau penyesuaian yang diusulkan kepada RUPS Luar Biasa.

Decision of the Extraordinary General Meeting of Shareholders The Extraordinary General Meeting of Shareholders did not approve the proposed amendments and adjustments to the Company’s Articles of Association, the Board of Directors are required to conduct a review on the changes or adjustments proposed to the Extraordinary General Meeting of Shareholders.

Realisasi Atas Hasil RUPS Tahunan Tahun Buku 2013 dan Luar Biasa Tahun 2014 Seluruh keputusan yang telah dihasilkan dan diamanatkan pada saat Rapat Umum Pemegang Saham telah dilaksanakan oleh Perseroan.

Realization of the Results of the Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary GMS in 2014 All decisions resulted and mandated by the time of the General Meeting of Shareholders have been executed by the Company.

II. Rapat Umum Pemegang Saham Luar Biasa 2014 Tanggal 1 Juli 2014

II. Extraordinary General Meeting of Shareholders in July 1, 2014

RUPS dilaksankan di Bandung pada tanggal 1 Juli 2014 yang diawali dengan Pemberitahuan rencana penyelenggaraan RUPS kepada OJK dan Bursa Efek Indonesia dengan langkah-langkah sebagai berikut: a. Nomor 281/DIR-CS/2014 tanggal 23 Mei 2014 perihal pemberitahuan Rencana Penyelenggaraan RUPS Luar Biasa. b. Nomor 287/DIR-CS/2014 tanggal 30 Mei 2014 perihal Penyampaian Bukti Iklan Pemberitahuan RUPS Luar Biasa. c. Nomor 312/DIR-CS/2014 tanggal 16 Juni 2014 perihal Penyampaian Bukti Iklan Panggilan RUPS Luar Biasa. d. Nomor 361/DIR-CS/2014 tanggal 03 Juli 2014 perihal Penyampaian Hasil Keputusan dan Bukti Iklan RUPS Luar Biasa Tahun 2014. e. Iklan pemberitahuan, panggilan dan hasil keputusan RUPS tersebut di publikasikan pada 3 (tiga) Harian Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan Radar Banten.

The EGMS was conducted in Bandung on July 1, 2014 BOECFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF FSA and the Indonesia Stock Exchange with the following steps: a. No 281/DIR-CS/2014 dated May 23, 2014 concerning UIF /PUJmDBUJPO PO UIF 1MBO PG &YUSBPSEJOBSZ (FOFSBM Meeting of Shareholders. b. No. 287/DIR-CS/2014 dated May 30, 2014 regarding the Submission of Advertisement Proof of the /PUJmDBUJPO PO UIF &YUSBPSEJOBSZ (FOFSBM .FFUJOH PG Shareholders. c. No. 287/DIR-CS/2014 dated June 16, 2014 regarding the Submission of the Advertisement Proof on the Invitation to the Extraordinary General Meeting of Shareholders. d. No. 361/DIR-CS/2014 2014 dated July 3, 2014 concerning the Submission of the Decisions and the Proof of Advertisement of the Extraordinary General Meeting of Shareholders in 2014. F "EWFSUJTNFOU PO UIF OPUJmDBUJPO  JOWJUBUJPO  BOE UIF decision of the meeting was published in 3 (three) Daily Newspapers, namely Bisnis Indonesia, Pikiran Rakyat and Radar Banten.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

435 GENERAL MEETINGS OF SHAREHOLDERS (GMS)

Agenda RUPS Luar Biasa 2014 Tanggal 1 Juli 2014 a. Perubahan Anggaran Dasar Perseroan b. Perubahan Pengurus Perseroan

Agenda of the Extraordinary General Meeting of Shareholders in July 1, 2014 a. Amendments to the Articles of Association b. Changes in the Company’s Management

Hasil RUPS Luar Biasa 2014 Tanggal 1 Juli 2014 Rapat Umum Pemegang Saham telah memenuhi korum karena dihadiri oleh pemegang saham yang mewakili 8.297.831.369 saham atau 85,58% dari seluruh saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan, sesuai dengan Anggaran Dasar Perseroan dan peraturan perundangan yang berlaku.

Results of the Extraordinary General Meeting of Shareholders in July 1, 2014 The Annual General Meeting of Shareholders has meet the quorum at it was attended by shareholders representing 8,297,831,369 shares or 85.58% of total shares with valid voting rights issued by the Company, in accordance with the Articles of Association and the applicable legislations.

Keputusan Agenda 1 Perubahan Anggaran Dasar Perseroan a. Menyetujui perubahan pasal-pasal Anggaran Dasar Perseroan sebagaimana usulan yang telah dibahas dalam Rapat Umum Pemegang Saham serta melakukan penyusunan kembali seluruh Anggaran Dasar Perseroan dengan perbaikan atas penggunaan JTUJMBI EFmOJTJ UBUBCBIBTBZBOHCBJLTFSUBQFOPNPSBO dengan memperhatikan peraturan perundangan yang berlaku. b. Memberikan kuasa kepada Dewan Komisaris Perseroan dengan hak substitusi untuk membuat akta pernyataan keputusan Rapat, dan melaksanakan segala tindakan yang diperlukan dalam rangka permohonan pengesahan, pendaftaran dan/atau pelaporan sebagaimana yang disyaratkan dalam peraturan perundangan yang berlaku atas perubahan dan penyesuaian anggaran dasar tersebut.

Decisions of Agenda 1 mendments to the Articles of Association a. Approved the amendments to the Articles of Association of the Company as discussed in the General Meeting of Shareholders and restructure the Company’s Articles of Association with improvements PWFS UIF VTF PG UFSNT  EFmOJUJPOT  HSBNNBS BOE numbering with regard to the applicable legislations. b. Authorized the Board of Commissioners with the substitution right to formulate the Deed on the Decisions of the meeting, and perform all necessary actions in order to request validation, registration and/ or reporting as required by the applicable legislations on the changes and adjustments to the Articles of Association.

Keputusan Agenda 2 Perubahan Pengurus Perseroan a. Memberhentikan dengan hormat Saudara Agus Ruswendi yang diangkat selaku Komisaris Utama Perseroan, Saudara Entis Kushendar selaku Direktur Perseroan, Saudara Acu Kusnandar yang diangkat selaku Direktur Perseroan, Saudara Bien Subiantoro selaku Direktur Utama Perseroan, Saudara Arie Yulianto selaku Direktur Perseroan, dan Saudara Djamal Muslim yang diangkat selaku Direktur Perseroan, terhitung sejak diterbitkannya surat dari Bank Indonesia atau Otoritas Jasa Keuangan. Kepada yang bersangkutan dengan ini disampaikan ucapan terima kasih yang sebesar-besarnya atas pengabdiannya kepada bank bjb.

Decisions of Agenda 2 Changes in the Company’s Management a. Dismissed with honor Mr Agus Ruswendi as Commissioner of the Company, Mr. Entis Kushendar as a Director of the Company, Mr Acu Kusnandar as a Director of the Company, Mr Bien Subiantoro as the President Director of the Company, Mr Arie Yulianto as a Director of the Company, and Mr Djamal Muslim as a Director of the Company, as of the issuance of the letter from Bank Indonesia or the Financial Services Authority. To those concerned we express our deepest appreciation for their dedication to bank bjb.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

436

RAPAT UMUM PEMEGANG SAHAM (RUPS)

b. Mengangkat Saudara Ahmad Irfan selaku Direktur Perseroan terhitung sejak berlakunya perubahan Anggaran Dasar Perseroan yang telah disetujui dalam RUPS Luar Biasa ini.

b. Appointed Mr Ahmad Irfan as a Director of the Company starting from the application of the amendments to the Articles of Association of the Company which has been approved in this Extraordinary General Meeting of Shareholders.

Dengan demikian susunan Pengurus Perseroan menjadi sebagai berikut:

Thus the composition of the Company’s Management became:

Dewan Komisaris Komisaris Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Independen

Muhadi Achmad Baraba Yayat Sutaryat Klemi Subiyantoro Rudhyanto Mooduto

Board of Commissioners Commissioner Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner

Zaenal Aripin Ahmad Irfan

Board of Directors Director – Compliance and Risk Management : Zaenal Aripin Director – Commercial : Ahmad Irfan

: : : : :

Direksi Direktur Kepatuhan dan Manajemen Risiko : Direktur Komersial :

: : : : :

Muhadi Achmad Baraba Yayat Sutaryat Klemi Subiyantoro Rudhyanto Mooduto

Dan selanjutnya memberikan kewenangan kepada Anggota Direksi Perseroan yang ada untuk bertindak untuk dan atas nama Direksi Perseroan sampai dengan penutupan Rapat Umum Pemegang Saham Luar Biasa berikutnya dalam rangka memenuhi ketentuan pasal 15 Anggaran Dasar Perseroan dan peraturan perundangan yang berlaku.

Authority was given to the existing Board of Directors of the Company to act for and on behalf of the Board of Directors until the closing of the next Extraordinary General Meeting of Shareholders in order to meet the provisions of Article 15 of the Company’s Articles of Association and applicable legislations.

c. Memerintahkan Direksi untuk melaksanakan Rapat Umum Pemegang Saham Luar Biasa selambatlambatnya pada Bulan Nopember 2014 dengan Agenda Perubahan Pengurus Perseroan.

c. Ordered the Board of Directors to perform an Extraordinary General Meeting of Shareholders at the latest in November 2014 with the Agenda: the Changes of the Company’s Management.

Realisasi atas Hasil RUPS Luar Biasa Tahun 2014 Tanggal 1 Juli 2014 Seluruh keputusan yang telah dihasilkan dan diamanatkan pada saat Rapat Umum Pemegang Saham telah dilaksanakan oleh Perseroan.

Realization of the results of Extraordinary General Meeting of Shareholders in July 1, 2014 All decisions that have been produced and mandated at the time of the General Meeting of Shareholders have been executed by the Company.

III. Rapat Umum Pemegang Saham Luar Biasa 2014 tanggal 19 Desember 2014

III. Extraordinary General Meeting of Shareholders in December 19, 2014

RUPS dilaksankan di Bandung pada tanggal 19 Desember 2014 yang diawali dengan Pemberitahuan rencana penyelenggaraan RUPS kepada OJK dengan langkahlangkah sebagai berikut:

The GMS was held in Bandung in December 19, 2014 BOECFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF FSA and the Indonesia Stock Exchange with the following steps:

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

437 GENERAL MEETINGS OF SHAREHOLDERS (GMS)

a. Nomor 545/DIR-CS/2014 tanggal 20 Oktober 2014 perihal pemberitahuan Rencana Penyelenggaraan RUPS Luar Biasa. b. Nomor 562/DIR-CS/2014 tanggal 27 Oktober 2014 perihal Penyampaian Bukti Iklan Pemberitahuan RUPS Luar Biasa. c. Nomor 606/DIR-CS/2014 tanggal 3 Desember 2014 perihal Penyampaian Bukti Iklan Panggilan RUPS Luar Biasa. d. Nomor 650/DIR-CS/2014 tanggal 22 Desember 2014 perihal Penyampaian Hasil Keputusan dan Bukti Iklan RUPS Luar Biasa Tahun 2014. e. Iklan pemberitahuan, panggilan dan hasil keputusan RUPS tersebut di publikasikan pada 3 (tiga) Harian Umum yaitu, Bisnis Indonesia, Tribun Jabar dan Radar Banten.

a. No 545/DIR-CS/2014 dated October 20, 2014 DPODFSOJOHUIF/PUJmDBUJPOPOUIF1MBOPG&YUSBPSEJOBSZ General Meeting of Shareholders. b. No. 562/DIR-CS/2014 dated October 27, 2014 regarding the Submission of Advertisement Proof of UIF/PUJmDBUJPOPOUIF&YUSBPSEJOBSZ(FOFSBM.FFUJOH of Shareholders. c. No. 606/DIR-CS/2014 dated December 3, 2014 regarding the Submission of the Advertisement Proof on the Invitation to the Extraordinary General Meeting of Shareholders. d. No. 650/DIR-CS/2014 dated December 22, 2014 concerning the Submission of the Decisions and the Proof of Advertisement of the Extraordinary General Meeting of Shareholders in 2014. F "EWFSUJTNFOU PO UIF OPUJmDBUJPO  JOWJUBUJPO  BOE UIF decision of the meeting was published in 3 (three) Daily Newspapers, namely Bisnis Indonesia, Pikiran Rakyat and Radar Banten.

Agenda RUPS Luar Biasa 2014 Tanggal 19 Desember 2014 1. Perubahan Anggaran Dasar Perseroan 2. Perubahan Pengurus Perseroan

Agenda of the Extraordinary General Meeting of Shareholders in December 19, 2014 1. Amendments to the Articles of Association 2. Changes in the Company’s Management

Hasil RUPS Luar Biasa 2014 Tanggal 19 Desember 2014 Rapat Umum Pemegang Saham telah memenuhi korum karena dihadiri oleh pemegang saham yang mewakili 8.223.746.602 saham atau 84,81 % dari seluruh saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan, sesuai dengan Anggaran Dasar Perseroan dan peraturan perundangan yang berlaku.

Results of the Extraordinary General Meeting of Shareholders in December 19, 2014 The Annual General Meeting of Shareholders has meet the quorum at it was attended by shareholders representing 8,223,746,602 shares or 84.81% of total shares with valid voting rights issued by the Company, in accordance with the Articles of Association and the applicable legislations.

Keputusan Agenda 1 a. Menyetujui perubahan Pasal 15 ayat (3) huruf a angka 11 dan 13 Anggaran Dasar Perseroan. b. Memberikan kuasa kepada Dewan Komisaris Perseroan dengan hak substitusi untuk membuat akta pernyataan keputusan Rapat, dan melaksanakan segala tindakan yang diperlukan dalam rangka permohonan pengesahan, pendaftaran, dan/atau pelaporan sebagaimana yang disyaratkan dalam Peraturan Perundangan yang berlaku atas perubahan dan penyesuaian anggaran dasar tersebut.

Decisions of Agenda 1 a. Approved the amendment of Article 15 paragraph (3) letter a number 11 and 13 of the Company’s Articles of Association. b. Authorized the Board of Commissioners with the right of substitution to formulate the Deed of the results of the Meeting, and perform all necessary actions in order UP SFRVFTU SBUJmDBUJPO  SFHJTUSBUJPO  BOE PS SFQPSUJOH as required by the applicable Laws on changes and adjustments to the Articles of Association.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

438

RAPAT UMUM PEMEGANG SAHAM (RUPS)

Keputusan Agenda 2 B .FOHBOHLBU 4BVEBSB 5BVmFRVSBDINBO 3VLJ TFMBLV Komisaris Utama dan Saudara Wawan Ridwan selaku Komisaris; b. Mengangkat Saudara Ahmad Irfan selaku Direktur Utama; c. Mengangkat Saudara Agus Gunawan, Saudara Benny Santoso, Saudari Fermiyanti, Saudari Nia Kania, dan Saudari Suartini selaku Direktur; Terhitung sejak tanggal ditutupnya Rapat ini sampai dengan penutupan RUPS Tahunan yang ke-4 (empat) setelah tanggal pengangkatannya. d. Memberikan wewenang dan kuasa kepada Direktur Utama untuk menetapkan pembagian bidang kerja Direksi dengan melaporkan hasil keputusan tersebut kepada Dewan Komisaris.

Decisions of Agenda 2 B "QQPJOUFE .S 5BVmFRVSBDINBO 3VLJ BT UIF President Commissioner and Mr Wawan Ridwan as Commissioner; b. Appointed Mr Ahmad Irfan as the President Director; c. Appointed Mr Agus Gunawan, Mr Benny Santoso, Mss Fermiyanti, Mrs Nia Kania, and Mrs Suartini as Directors since the closing of this Meeting until the closing of the 4th Annual General Meeting of Shareholders the 4 (four) after the date of appointment. d. Gave authority and power to the President Director to establish the division tasks of the Directors and report the results of the decision to the Board of Commissioners.

Realisasi atas Hasil RUPS Luar Biasa Tahun 2014 tanggal 19 Desember 2014 Seluruh keputusan yang telah dihasilkan dan diamanatkan pada saat Rapat Umum Pemegang Saham telah dilaksanakan oleh Perseroan.

Realization of the results of Extraordinary General Meeting of Shareholders in December 19, 2014 All decisions produced and mandated at the time of the General Meeting of Shareholders have been executed by the Company.

Rapat Umum Sebelumnya

Pemegang

Tahun

The General Meeting of Shareholders in the Previous Year

1. Rapat Umum Pemegang Saham Tahunan Tahun Buku 2012

1. General Meeting of Shareholders for the Fiscal Year 2012

RUPS dilaksankan di Bandung pada tanggal 25 Maret 2013 yang diawali dengan Pemberitahuan rencana penyelenggaraan RUPS kepada OJK dan Bursa Efek Indonesia dengan langkah-langkah sebagai berikut: a. Nomor 061/DIR-CS/2013 tanggal 14 Februari 2013 perihal pemberitahuan Rencana Penyelenggaraan Rapat Umum Pemegang Saham. b. Nomor 068/DIR-CS/2013 tanggal 21 Februari 2013 perihal Penyampaian Bukti Iklan Pemberitahuan RUPS. c. Nomor 070/DIR-CS/2013 tanggal 08 Maret 2013 perihal Penyampaian Bukti Iklan Panggilan RUPS. d. Nomor 143/DIR-CS/2013 tanggal 26 Maret 2013 perihal Penyampaian Hasil Keputusan RUPS Tahunan dan Pembagian Dividen Tunai Tahun Buku 2012.

The GMS was held in Bandung in March 25, 2013 and CFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF'4" and the Indonesia Stock Exchange with the following steps: a. No. 061/DIR-CS/2013 dated February 14, 2013 DPODFSOJOH UIF /PUJmDBUJPO PO UIF 1MBO PG (FOFSBM Meeting of Shareholders. b. No. 068/DIR-CS/2013 dated February 21, 2013 regarding the Submission of Advertisement Proof of the /PUJmDBUJPOPOUIF(FOFSBM.FFUJOHPG4IBSFIPMEFST c. No. 070/DIR-CS/2013 dated March 8, 2013 regarding the Submission of the Advertisement Proof on the Invitation to the General Meeting of Shareholders. d. No. 143/DIR-CS/2013 dated March 26, 2013 concerning the Submission of the Decisions of the Annual General Meeting of Shareholders in 2013 and the distribution of the 2012 cash devidends.

bank bjb Laporan Tahunan 2014

Saham

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

439 GENERAL MEETINGS OF SHAREHOLDERS (GMS)

e. Iklan pemberitahuan, panggilan dan hasil keputusan RUPS tersebut di publikasikan pada 3 (tiga) Harian Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan Radar Banten.

F "EWFSUJTNFOU PO UIF OPUJmDBUJPO  JOWJUBUJPO  BOE UIF decision of the meeting was published in 3 (three) Daily Newspapers, namely Bisnis Indonesia, Pikiran Rakyat and Radar Banten.

Agenda RUPS Tahunan Tahun Buku 2012 a. Persetujuan Laporan Tahunan Direksi mengenai keadaan dan jalannya Perseroan termasuk Laporan Pelaksanaan Tugas Pengawasan Dewan Komisaris untuk Tahun Buku 2012 dan pengesahan Laporan Keuangan Perseroan Tahun Buku 2012 sekaligus pembebasan tanggung jawab sepenuhnya kepada Direksi dan Dewan Komisaris atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku 2012. b. Penetapan penggunaan laba bersih termasuk pembagian dividen untuk Tahun Buku 2012. c. Pemberian kuasa kepada Dewan Komisaris dalam hal penunjukan Kantor Akuntan Publik untuk mengaudit Laporan Keuangan Perseroan Untuk Tahun Buku 2013. d. Laporan penggunaan dana hasil penawaran umum perdana saham Perseroan pada tahun 2012.

The Agenda for the Annual General Meeting for Fiscal Year 2012 a. Approved the Annual Report of the Board of Directors on the situation and the course of the Company, including the Report on the implementation of the Supervisory Function of the Board of Commissioners for Fiscal Year 2012 and the Financial Statements for the Fiscal Year 2012 as well fully released the Board of Directors and Board of Commissioners for the actions of management and supervision implemented in the Fiscal Year 2012. b. Determination of the usage of net income including the distribution of dividend for the Fiscal Year 2012. c. The delegation of authority to the Board of Commissioners in the appointment of Public "DDPVOUJOH 'JSN UP BVEJU UIF mOBODJBM TUBUFNFOUT PG the Company for the Financial Year 2013. d. Reported the use of proceeds from the Company’s Initial Public Offering in 2012.

Hasil RUPS Tahunan Tahun Buku 2012 Rapat Umum Pemegang Saham Telah memenuhi korum karena dihadiri oleh pemegang saham yang mewakili 8.106.874.375 saham atau 83,61% dari seluruh saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan, sesuai dengan Anggaran Dasar Perseroan.

Results for the Annual General Meeting of Shareholders in the Fiscal Year 2012 The Annual General Meeting of Shareholders has meet the quorum at it was attended by shareholders representing 8,106,874,375 shares or 83.61% of total shares with valid voting rights issued by the Company, in accordance with the Articles of Association and the applicable legislations. 1. Approved the Company’s Annual Report and approved the Report on the supervision performed by the Board of Commissioners for the Fiscal Year 2012. B 3BUJmFE UIF $PNQBOZT 'JOBODJBM 4UBUFNFOUT GPS UIF mOBODJBM ZFBS FOEJOH %FDFNCFS    audited by the Public Accountant Purwantono, Suherman & Surja, a member of Ernst & Young Global in accordance with the Report No. RPC 3301/PSS/2013 dated March 4, 2013, with the reasonable opinion in all material respects in accordance with the Financial Accounting Standards in Indonesia. b. Furthermore, with the approval of the Annual Report BOEUIFSBUJmDBUJPOPGUIF$PNQBOZT$POTPMJEBUFE 'JOBODJBM 4UBUFNFOUT GPS UIF mOBODJBM ZFBS  

1. Menyetujui Laporan Tahunan Perseroan dan menyetujui Laporan Pengawasan yang telah dilaksanakan oleh Dewan Komisaris untuk Tahun Buku 2012. a. Mengesahkan Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2012 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Suherman & Surja, anggota dari Ernst & Young Global sesuai dengan laporannya No. RPC 3301/PSS/2013 tanggal 4 Maret 2013, dengan pendapat wajar dalam semua hal yang material sesuai dengan Standar Akuntansi Keuangan di Indonesia. b. Selanjutnya dengan disetujuinya Laporan Tahunan dan disahkannya Laporan Keuangan Perseroan Konsolidasian untuk tahun buku 2012

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

440

RAPAT UMUM PEMEGANG SAHAM (RUPS)

tersebut, maka RUPS memberikan pelunasan dan pembebasan sepenuhnya dari tanggung jawab (acquit et de charge) kepada seluruh anggota Direksi atas tindakan pengurusan dan kepada seluruh anggota Dewan Komisaris atas tindakan pengawasan yang telah dijalankan selama tahun buku yang berakhir pada tanggal 31 Desember 2012 sejauh tindakan tersebut tercermin dalam Laporan Keuangan Perseroan.

the GMS provides full release and discharge of responsibilities (acquit et de charge) to all members of the Board of Directors for the actions of management and to all members of the Board of Commissioners for the supervisory measures FYFDVUFEEVSJOHUIFmTDBMZFBSFOEJOH%FDFNCFS  BTGBSBTUIFBDUJPOTBSFSFnFDUFEJOUIF Company’s Financial Statements.

2. Menetapkan Laba Bersih Konsolidasi Perseroan untuk Tahun Buku 2012 tercatat sebesar Rp 1.193.302.737.932,- (satu triliun seratus sembilan puluh tiga miliar tiga ratus dua juta tujuh ratus tiga puluh tujuh ribu sembilan ratus tiga puluh dua rupiah) berdasarkan PSAK 4 maka laba yang dijadikan basis perhitungan laba adalah laba Perseroan tanpa anak perusahaan sebesar Rp 1.185.435.844.583,- dan ditetapkan yaitu sebagai berikut: a. Sebesar Rp 663.844.072.966,- (enam ratus enam puluh tiga miliar delapan ratus empat puluh empat juta tujuh puluh dua ribu Sembilan ratus enam puluh enam rupiah) atau 56% (lima puluh enam persen) dari laba bersih tahun buku 2012 ditetapkan sebagai dividen tunai Tahun Buku 2012 dan dibagikan kepada seluruh pemegang saham yang tercatat sesuai dengan ketentuan yang berlaku. Selanjutnya memberikan kuasa dan wewenang kepada Direksi untuk mengatur tatacara pembayaran dividen tunai tersebut. b. Sisanya sebesar Rp 521.591.771.617,- (lima ratus dua puluh satu miliar lima ratus Sembilan puluh satu juta tujuh ratus tujuh puluh satu ribu enam ratus tujuh belas rupiah) atau sebesar 44% (empat puluh empat persen) ditetapkan sebagai Cadangan Umum. 3. Memberikan kuasa kepada Dewan Komisaris untuk: a. Menunjuk Kantor Akuntan Publik untuk melakukan audit laporan keuangan perseroan tahun buku 2013. b. Menetapkan persyaratan lain serta besarnya jasa audit dengan memperhatikan kewajaran serta ruang lingkup pekerjaan audit. 4. Penyampaian Laporan Realisasi Penggunaan Dana Hasil Penawaran Perdana Saham Perseroan Tahun 2012. Bahwa per tanggal 31 Desember 2012, Penggunaan Dana Hasil Penawaran Perdana Saham dimaksud adalah sebagai berikut:

2. Established the Consolidated Net Income for the year 2012 as Rp 1,193,302,737,932 (one billion one hundred and ninety-three billion three hundred two million seven hundred and thirty-seven thousand nine hundred and thirty-two Rupiah). In accordance with 4'"4  UIF QSPmU VTFE BT UIF CBTJT GPS DBMDVMBUJOH QSPmU JT UIF QSPmU XJUIPVU UIF QSPmU PG UIF $PNQBOZT subsidiary entities, namely Rp 1,185,435,844,583 and are set as follows: a. As much as Rp 663,844,072,966 (six hundred and sixty-three billion, eight hundred and fortyfour million seventy-two thousand nine hundred BOE TJYUZTJY 3VQJBI  PS  mGUZTJY QFSDFOU  PG UIF OFU QSPmU PG UIF mTDBM ZFBS  XJMM CF EFTJHOBUFEBTDBTIEJWJEFOEGPSUIFmOBODJBMZFBS 2012 and distributed to all registered shareholders in accordance with the applicable regulations. Furthermore, give the power and authority to the Board of Directors to regulate the procedures for payment of cash dividends. C 5IF SFNBJOJOH 3Q     mWF IVOESFE BOEUXFOUZPOFCJMMJPOmWFIVOESFEBOEOJOFUZPOF million seven hundred and seventy-one thousand six hundred and seventeen Rupiah) or 44% (forty-four percent) will be allocated as General Reserves. 3. Authorize the Board of Commissioners to: a. Appoint a Public Accounting Firm to audit the $PNQBOZT mOBODJBM TUBUFNFOUT GPS 'JTDBM :FBS 2013. b. Determine other requirements as well as the amount of audit services with regard to fairness and scope of audit work. 4. Submission of the Report on the Usage of Proceeds from the Initial Public Offering of the Shares of the Company in 2012. As of December 31, 2012, the Proceeds from Initial Public Offering of Shares referred to will be used as follows:

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

441 GENERAL MEETINGS OF SHAREHOLDERS (GMS)

a. 80% dana hasil IPO yang dialokasikan untuk ekspansi kredit UMKM senilai Rp 1.143.552.608.643,- (satu triliun seratus empat puluh tiga miliar lima ratus lima puluh dua juta enam ratus delapan ribu enam ratus empat puluh tiga rupiah) telah seluruhnya digunakan. b. 10% dana hasil IPO yang dialokasikan untuk perluasan jaringan kantor senilai Rp 142.944.076.080,- (seratus empat puluh dua miliar sembilan ratus empat puluh empat juta tujuh puluh enam ribu delapan puluh rupiah) telah digunakan sebesar Rp 140.437.179.582,- (seratus empat puluh miliar empat ratus tiga puluh tujuh juta seratus tujuh puluh sembilan ribu lima ratus delapan dua rupiah). c. 10% dana hasil IPO yang dialokasikan untuk pengembangan teknologi informasi senilai Rp 142.944.076.080,- (seratus empat puluh dua miliar sembilan ratus empat puluh empat juta tujuh puluh enam ribu delapan puluh rupiah) telah digunakan sebesar Rp 12.992.091.983,(dua belas miliar sembilan ratus sembilan puluh dua juta sembilan puluh satu ribu sembilan ratus delapan puluh tiga rupiah).

a. 80% of the proceeds of the IPO have been fully allocated to the expansion of credit including to the MSME sector with the amount of Rp 1,143,552,608,643 (one billion one hundred and GPSUZUISFFCJMMJPO mWFIVOESFEBOEmGUZUXPNJMMJPO six hundred and eight thousand six hundred and forty-three Rupiah). b. 10% of the proceeds will be allocated for the expansion of branch network with the amount of Rp 142,944,076,080 (one hundred and forty-two billion nine hundred and forty-four million seventysix thousand eighty Rupiah) and as much as Rp 140,437,179,582 (one hundred and forty billion, four hundred and thirty seven million one hundred BOETFWFOUZOJOFUIPVTBOEmWFIVOESFEFJHIUZUXP Rupiah) has been used. c. 10% of the proceeds will be allocated to the development of information technology with the value of Rp 142,944,076,080 (one hundred and forty-two billion nine hundred and forty-four million seventy-six thousand eighty Rupiah) and Rp 12,992,091,983 (twelve billion nine hundred and ninety-two million ninety-one thousand nine hundred and eighty-three Rupiah) has been fully allocated.

Maka sisa dana hasil penawaran umum perdana sebesar Rp 132.458.880.595,- (seratus tiga puluh dua miliar empat ratus lima puluh delapan juta delapan ratus delapan puluh ribu lima ratus Sembilan puluh lima rupiah) belum digunakan dan saat ini ditempatkan pada instrumen reverse repo Bank Indonesia dengan tingkat imbal hasil sebesar 4,48% (empat koma empat puluh delapan persen) pertahun.

The remaining proceeds from the Initial Public Offering namely Rp 132,458,880,595 (one hundred and thirtyUXP CJMMJPO GPVS IVOESFE BOE mGUZFJHIU NJMMJPO FJHIU IVOESFEFJHIUZUIPVTBOEmWFIVOESFEBOEOJOFUZmWF Rupiah) has not been used and is now placed on the reverse repo instrument of Bank Indonesia with a yield of 4.48% (four point forty-eight percent) per year).

Realisasi atas Hasil RUPS Tahunan Tahun Buku 2012 tanggal 25 Maret 2013 Seluruh keputusan yang telah dihasilkan dan diamanatkan pada saat Rapat Umum Pemegang Saham telah dilaksanakan oleh Perseroan.

Realization of the results of the Annual General Meeting of Shareholders in March 25, 2013 All decisions produced and mandated at the time of the General Meeting of Shareholders have been executed by the Company.

bank bjb Annual Report 2014

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442

DEWAN KOMISARIS BOARD OF COMMISSIONERS

Dewan Komisaris sebagai organ Bank secara garis besar bertugas dan bertanggung jawab secara kolegial untuk mengawasi jalannya usaha Bank. Memberikan nasihat kepada Direksi dan memastikan bahwa Bank telah menerapkan Good Corporate Governance dalam operasinya pada seluruh jenjang organisasi. Dewan Komisaris bertanggung jawab untuk memastikan bahwa manajemen telah memiliki dan melaksanakan suatu sistem kontrol sehingga dapat NFOJOHLBULBO FGFLUJWJUBT EBO FmTJFOTJ PQFSBTJPOBM #BOL  kontrol keuangan, kepatuhan pada hukum dan peraturan.

Board of Commissioners as part of the Bank in broad outline serves and responsible for collegial overseeing the Bank’s business. Provide advice to the Board of Directors and ensure that the Bank has implemented Good Corporate Governance in its operations at all levels of the organization. Board of Commissioners is responsible for ensuring that management has had and implement a control system so as to improve UIFFGGFDUJWFOFTTBOEFGmDJFODZPG#BOLPQFSBUJPOT mOBODJBM controls, compliance with laws and regulations.

Visi

Vision

Menjadikan Dewan Komisaris sebagai organ Bank yang kompeten, profesional, independen serta sanggup mengawasi dan memberikan nasihat atas jalannya usaha Bank agar sesuai dengan visi Bank dengan dilandasi oleh nilai moral yang tinggi dan kepatuhan terhadap peraturan dan perundang-undangan yang berlaku.

Establishing the Bank’s Board of Commissioners as a competent, professional, independent organ that is able to supervise and provide advices on the course of the Bank’s business to comply with the Bank’s vision based on high moral values and comply with the regulations and legislations in force.

Misi

Mission

a. Menjalankan fungsi pengawasan atas operasional Bank dengan berlandaskan pada prinsip-prinsip Good Corporate Governance, peraturan dan perundangundangan yang berlaku, mencurahkan daya dan upaya serta menempatkan kepentingan Bank di atas kepentingan lainnya. b. Memberikan nasihat dan persetujuan atas hal-hal yang menurut peraturan perundangan yang berlaku mengharuskan persetujuan Dewan Komisaris c. Memastikan tindak lanjut atas hasil-hasil audit baik oleh audit internal maupun eksternal dalam rangka perbaikan operasional Bank terkait dengan kecukupan internal control dan risk management.

a. Conduct the supervision function over the Bank’s operations based on the principles of good corporate governance, the regulations and legislations in force, outpour resources and efforts and prioritize the interests of the Bank over other interests. b. Provide advice and consent on matters that according to the applicable legislations require the approval of the Board of Commissioners c. Ensure follow-up on the results of the audit by both internal and external auditors in order to improve the Bank’s operations related to the adequacy of internal control and risk management.

Komposisi Dewan Komisaris

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Berdasarkan Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) No. 221 pada 19 Desember 2014, susunan Dewan Komisaris bank bjb terdiri dari 1 (satu) orang Komisaris Utama, 2 (dua) orang Komisaris, dan 4 (empat) orang Komisaris Independen. Jumlah Komisaris Independen telah melebihi 50% dari jumlah anggota Dewan Komisaris.

Based on the Deed of Extraordinary General Shareholders (EGM) No. 221 on December 19, 2014, the Board of Commissioners of bank bjb for the period of 2011 to 2015 consisting of 1 (one) President Commissioner, 2 (two) Commissioner and 4 (four) Independent Commissioner. The number of Independent Commissioner has exceeded 50% of the total members of the Board of Commissioners.

Keberagaman Dewan Komisaris

Diversity of the Board of Commissioners

Landasan pelaksanaan mengenai keragaman latar belakang Dewan Komisaris di lingkungan bank bjb sejalan dengan praktik bisnis terbaik yang berlaku di dunia internasional di

The basis of implementation for the diverse background of the members of the Board of Commissioners of bank bjb is in line with best business practices prevailing in the international

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

443 BOARD OF COMMISSIONERS

bidang tata kelola perusahaan yang baik (GCG). Terkait keragaman ini, di antaranya termuat dalam ketentuan ASEAN Corporate Governance Scorecard, yang merupakan tindak lanjut dari kesepakatan lima Menteri Keuangan ASEAN pada tahun 2009 tentang penerapan GCG.

DPNNVOJUZJOUIFmFMEPGHPPEDPSQPSBUFHPWFSOBODF ($(  Related to this diversity, among others contained in the provisions of the ASEAN Corporate Governance Scorecard, XIJDIJTBGPMMPXVQPGUIFBHSFFNFOUPGmWF'JOBODF.JOJTUFST of ASEAN in 2009 on the application of GCG.

Dengan keragaman pada Dewan Komisaris, setidaknya Bank dapat memperoleh sejumlah manfaat yang antara lain: a. Terciptanya pengambilan keputusan yang lebih objektif, karena keputusan diambil dengan memperhatikan berbagai sudut pandang, kepentingan dan latar belakang. b. Terselenggaranya fungsi pengawasan dan nasihat Dewan Komisaris yang lebih komprehensif bagi Direksi dalam menjalankan kegiatan usaha.

With the diversity of the members of the Board of Commissioners, at least the Bank may gain a number of CFOFmUT BNPOHPUIFST a. The creation of a more objective decision-making, since decisions are made by taking into account a variety of viewpoints, interests and backgrounds. b. More comprehensive supervision function and advices from the Board of Commissioners for the Board of Directors in conducting the Bank’s business activities.

Di lingkungan bank bjb, keragaman Dewan Komisaris dapat dilihat pada: 1. Bidang Studi Keragaman dari sisi latar belakang pendidikan atau bidang studi akan sangat berharga bagi Dewan Komisaris dalam memberikan arahan kepada Direksi. Saat ini, keragaman Dewan Komisaris di bidang pendidikan, adalah sebagai berikut: bidang hukum, ekonomi dan akuntansi, serta teknik. Keragaman pada bidang studi ini dapat menjadikan arahan dan nasihat Dewan Komisaris yang diberikan kepada Direksi lebih komprehensif. Sehingga, melalui arahan Dewan Komisaris, kegiatan usaha bank bjb senantiasa sejalan dengan tata kelola perusahaan yang sesuai dengan aturan hukum yang berlaku, mampu beradaptasi dengan perkembangan perekonomian yang terjadi, serta mampu menjaga kesinambungan mutu produk. 2. Usia Keragaman usia anggota Dewan Komisaris berada di kisaran 60-an, 50-an dan 40-an. Hal ini akan menjadikan nasihat-nasihat dan arahan yang diberikan Dewan Komisaris lebih terukur mengingat usia merupakan pertanda kematangan dalam pengalaman, yang akan sangat bermanfaat bagi Direksi dalam menjalankan kegiatan usaha Bank. 3. Pengalaman Kerja Keragaman pengalaman kerja anggota Dewan Komisaris, yaitu berasal dari penegak hukum, birokrasi, dosen, auditor dan profesional. Keragaman latar belakang pengalaman kerja terutama akan sangat mendukung

Within bank bjb, the diversity of the Board of Commissioners can be seen in: 1. The Field of Study  5IF EJWFSTJUZ PG UIF FEVDBUJPOBM CBDLHSPVOE PS mFME PG study will be valuable for the Board of Commissioners in providing directions to the Board of Directors. Currently, UIFEJWFSTJUZPGUIF#PBSEPG$PNNJTTJPOFSTJOUIFmFMEPG education are as follows: law, economics and accounting, and engineering.  5IF EJWFSTJUZ JO UIF mFME PG TUVEZ FOBCMFT UIF EJSFDUJPOT and advices of the Board of Commissioners to the Board of Directors to be more comprehensive. Thus, through the directions of the Board of Commissioners, the business of bank bjb may always be in line with the corporate governance in accordance to the applicable laws, able to adapt to the ongoing economic developments, and be able to maintain continuity of product quality. 2. Age The diversity of age of the members of the Board of Commissioners is in the range of 60s, 50s and 40s. This enables the advices and directions given by the Board of Commissioners to be more measured considering the age is a sign of maturity in experience, which will be very CFOFmDJBMUPUIF#PBSEPG%JSFDUPSTJOSVOOJOHUIFCVTJOFTT of the Bank. 3. Work Experience The diversity of the work experience of the members PG UIF #PBSE PG $PNNJTTJPOFST  OBNFMZ JO UIF mFME PG law enforcement, bureaucracy, lecturers, auditors and professionals. The diversity of work experience will primarily support the Board of Commissioners in carrying

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

444

DEWAN KOMISARIS

Dewan Komisaris dalam menjalankan fungsi pengawasan dan pemberian nasihat kepada Direksi dalam menjalankan usaha, di antaranya terkait dengan penerapan tata kelola perusahaan yang baik.

out the function of supervision and the provision of advices to the Board of Directors in running the bank’s business, among others related to the implementation of good corporate governance.

Susunan Dewan Komisaris bank bjb sampai dengan sekarang adalah sebagai berikut:

Board of Commissioners of bank bjb up to present are as follows:

Nama | Name

Jabatan

Position

Komisaris Utama

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President Commissioner

Komisaris

Muhadi

Komisaris

8BXBO3JEXBO

Commissioner

Komisaris Independen

Achmad Baraba

Independent Commissioner

Komisaris Independen

Klemi Subiyantoro

Independent Commissioner

Komisaris Independen

Yayat Sutaryat

Independent Commissioner

Komisaris Independen

Rudhyanto Mooduto

Independent Commissioner

Commissioner

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Uraian Pelaksanaan Tugas Dewan Komisaris

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Pelaksanaan tugas dan fungsi pengawasan usaha yang dilakukan oleh Dewan Komisaris selama tahun 2014 dibantu oleh Komite Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan Nominasi. Masing-masing Komite telah menjalankan fungsinya dalam melakukan kajian dan memberikan input kepada Dewan Komisaris, sehingga Dewan Komisaris dapat memberikan arahan dan rekomendasi secara tepat kepada Direksi terkait pengelolaan usaha bank bjb secara baik dan sesuai dengan prinsip-prinsip Good Corporate Governance.

Performance of duties and monitoring functions done by the Board of Commissioners during the year 2014 is assisted by the Audit Committee, Risk Monitoring Committee, and Remuneration and Nomination Committee. Each of these committees has its function in reviewing and providing input to the Board of Commissioners, enabling the Board of Commissioners to provide appropriate guidance and recommendations to the Directors related to the proper management of bank bjb and in accordance with the principles of Good Corporate Governance.

Pada tahun 2014 Dewan Komisaris telah melakukan pengawasan terhadap: - Pemantauan atas pelaksanaan Rencana Bisnis Bank (RBB) tahun 2014 melalui rapat bulanan Dewan Komisaris dan Direksi. - Pemantauan Kinerja Keuangan bank bjb. - Pemantauan Kinerja Non Keuangan bank bjb. - Pemantauan perkembangan Good Corporate Governance bank bjb.

In 2014, the Board of Commissioners has conducted the monitoring of: - Monitor the implementation of 2013 Bank Business Plan (BBP) through a joint meeting of the Board of Commissioners and the Board of Directors. - Monitor bank bjb Financial Performance. - Monitor bank bjb Non-bank Financial Performance. - Monitor the development of Good Corporate Governance in bank bjb.

Uraian Tanggung Jawab Dewan Komisaris

Duties and Responsibilities of the Board of Commissioners

Tugas dan Tanggung Jawab Dewan Komisaris Berdasarkan Anggaran Dasar Perseroan dan Surat Keputusan Dewan Komisaris No. 06/DK/SK/2014

Duties and Responsibilities of the Board of Commissioners %DVHG RQ WKH &RPSDQ\·V $UWLFOHV RI $VVRFLDWLRQ RI WKH Decree of the Board of Commissioners No. 06/DK/SK/2014

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

445 BOARD OF COMMISSIONERS

1. Melakukan pengawasan, memberi nasihat, mengarahkan, memantau dan mengevaluasi jalannya kepengurusan Bank dan pelaksanaan kebijakan strategis Bank oleh Direksi. 2. Melakukan tugas, tanggung jawab dan wewenang sesuai dengan ketentuan Anggaran Dasar Perseroan, Keputusan RUPS serta Peraturan Perundang-undangan yang berlaku, diantaranya: a. Menyusun dan melakukan evaluasi berkala atas Pedoman dan tata tertib kerja Dewan Komisaris yang bersifat mengikat bagi setiap anggota Dewan Komisaris. b. Mengevaluasi dan menyetujui Rencana Bisnis Bank (RBB). c. Berdasarkan keputusan RUPS, Dewan Komisaris menetapkan Akuntan Publik atas rekomendasi Komite Audit untuk melakukan audit atas laporan keuangan Perseroan. 3. Melaksanakan tugas dan tanggung jawab secara independen dan bertanggung jawab kepada RUPS. 4. Wajib memastikan terselenggaranya pelaksanaan Good Corporate Governance (GCG) dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi. 5. Wajib membentuk Komite-komite dan memastikan bahwa Komite tersebut telah menjalankan tugasnya secara efektif sesuai dengan peraturan perundangan yang berlaku. 6. Dilarang terlibat dalam pengambilan keputusan kegiatan operasional Bank, kecuali hal-hal Iain yang ditetapkan dalam Anggaran Dasar atau peraturan perundangundangan yang berlaku. 7. Persetujuan yang diberikan Dewan Komisaris merupakan bagian dari tugas pengawasan Dewan Komisaris sehingga tidak menghilangkan tanggung jawab Direksi dalam pelaksanaan kepengurusan Bank. Tugas pengawasan oleh Dewan Komisaris tersebut merupakan upaya pengawasan dini yang perlu dilaksanakan. 8. Mengkaji dan menyetujui kebijakan-kebijakan yang menurut peraturan perundangan yang berlaku wajib memerlukan persetujuan Dewan Komisaris. 9. Mengkaji pertanggung jawaban Direksi atas pelaksanaan kebijakan-kebijakan yang telah disetujui. 10. Membuat laporan tentang tugas pengawasan yang telah dilakukan selama tahun buku yang baru lampau untuk disampaikan kepada RUPS

1. Supervise, advise, direct, monitor and evaluate the course of management of the Bank and the implementation of strategic policies by the Bank’s Board of Directors. 2. Perform duties, responsibilities and authorities in accordance with the provisions of the Company’s Articles of Association, the Decisions of the GMS and the Legislations in force, including: a. Develop and conduct periodic evaluation of the Board of Commissioners’ work guidelines and rules binding to each member of the Board of Commissioners b. Evaluate and approve the Bank’s Business Plan (RBB) c. Based on the decision of the GMS, the Board of Commissioners appointed a Public Accountant based on the recommendation of the Audit Committee to BVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUT 3. Perform duties and responsibilities independently and accountable to the General Meeting of Shareholders 4. Ensure the implementation of Good Corporate Governance (GCG) in each of the Bank’s business activity at all levels of the organization. 5. Establish the committees and ensure that the Committees have effectively carry out their duties in accordance with applicable legislations 6. The Board of Commissioners is prohibited to be involved in the decision-making related to the Bank’s operations, FYDFQUPUIFSNBUUFSTTQFDJmFEJOUIF"SUJDMFTPG"TTPDJBUJPO or the applicable laws. 7. Approval given by the Board of Commissioners is part of the supervision task of the Board of Commissioners thus not eliminating the responsibilities of the Board of Directors in the implementation of the management of the Bank. The supervisory task by the Board of Commissioners is an early monitoring effort necessary to be implemented. 8. Review and approve the policies which according to the applicable laws and regulations require the approval of the Board of Commissioners. 9. Assess the accountability of the Board of Directors on the implementation of policies that have been approved. 10. Prepare the report on the monitoring task carried out EVSJOH UIF QBTU mOBODJBM ZFBS UP CF TVCNJUUFE UP UIF General Meeting of Shareholders

bank bjb Annual Report 2014

446

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DEWAN KOMISARIS

11. Mengevaluasi Iaporan tahunan yang dipersiapkan oleh Direksi serta menandatangani laporan tersebut. Penelaahan Iaporan tahunan dilakukan sebelum pelaksanaan RUPS. 12. Memastikan bahwa Direksi telah menindaklanjuti temuan audit dan rekomendasi dari Satuan Kerja Audit Internal (SKAI) Bank, auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas Iainnya. 13. Melakukan pemberitahuan kepada Otoritas Jasa Keuangan paling Iambat 7 (tujuh) hari kerja semenjak ditemukannya; a. Pelanggaran peraturan perundang-undangan di bidang keuangan dan perbankan; dan b. Keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha Bank yang didasarkan pada temuan maupun rekomendasi dari Komite-komite yang membantu Dewan Komisaris dalam pengawasan operasional Bank. c. Hal-hal yang wajib dilaporkan di atas yang belum atau tidak dilaporkan oleh Bank dan/atau Direktur Kepatuhan kepada Otoritas Jasa Keuangan. 14. Menentukan dan melaksanakan sistem nominasi, evaluasi, remunerasi yang transparan bagi Pengurus setelah mempertimbangkan hasil kajian Komite Remunerasi dan Nominasi yang selanjutnya diajukan untuk memperoleh persetujuan RUPS.

11. Evaluate the annual report prepared by the Board of Directors and sign the report. The review of the annual report is conducted prior to the GMS. 12. Ensure that the Board of Directors has performed the follow VQ PO UIF BVEJU mOEJOHT BOE SFDPNNFOEBUJPOT GSPN UIF Internal Audit Unit (SKAI) of the Bank, external auditors, the Financial Services Authority and/ or the results of the monitoring of other authorities. 13. Notify the Financial Services Authority at the latest 7 (seven) working days since the discovery of; B 7JPMBUJPOTPGUIFMFHJTMBUJPOTJOUIFmFMEPGmOBODFBOE banking; and b. The condition or potential condition that can endanger UIF TVSWJWBM PG UIF #BOL  CBTFE PO UIF mOEJOHT BOE recommendations of the committees which assist the Board of Commissioners in monitoring the Bank’s operations. c. The matters that must be reported that have not been or are not yet reported by the Bank and/ or the Director of Compliance to the Financial Services Authority. %FmOF BOE JNQMFNFOU B OPNJOBUJPO  FWBMVBUJPO  BOE remuneration system for the Management which is transparent after considering the results of the study of the Remuneration and Nomination Committee which are subsequently submitted for approval from the GMS.

Pembagian Tugas Dewan Komisaris Berdasarkan Keputusan Dewan Komisaris No. 06/DK/2007: 1. Komisaris Utama bertugas untuk mengkoordinasikan kegiatan Dewan Komisaris. 2. Pembagian tugas diantara anggota Dewan Komisaris diatur di antara anggota Dewan Komisaris dan ditetapkan oleh Komisaris Utama 3. Untuk membantu kelancaran tugasnya, anggota Dewan Komisaris dibantu oleh Sekretariat Komisaris yang berasal dari pegawai bank bjb dan ditetapkan oleh Direksi berdasarkan persetujuan Dewan Komisaris.

Division of Tasks of the Board of Commissioners Based on the decision of the Board of Commissioners No. 06/ DK/2007: 1. The President Commissioner is in charge of coordinating the activities of the Board of Commissioners 2. The division of tasks among the members of the Board of Commissioners is set among the members of the Board of Commissioners and determined by the President Commissioner 3. In the application of their duties, members of the Board of Commissioners are assisted by the Secretary of the Commissioners derived from the Bank’s employees and determined by the Board of Directors based on the approval of the Board of Commissioners.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

447 BOARD OF COMMISSIONERS

Prosedur Penetapan Remunerasi

Remuneration Determination Procedure

Prosedur dan struktur remunerasi sesuai dengan ketentuan Peraturan Bank Indonesia Nomor 8/4/PBI/2006 Tentang Pelaksanaan Good Corporate Governance bagi Bank Umum pasal 46 bahwa untuk pengurus direkomendasikan kebijakan remunerasi paling kurang sesuai dengan: a. Kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundangundangan yang berlaku; b. Prestasi kerja individual; c. Kewajaran dengan peer group; dan d. Pertimbangan sasaran dan strategi jangka panjang Bank.

Procedure and structure of remuneration are in compliance with Bank Indonesia Regulation No. 8/4/PBI/2006 on the Implementation of Good Corporate Governance for Commercial Bank, Article 46, stating that the remuneration policy for the Management at least is in accordance with:ar B 'JOBODJBMQFSGPSNBODFBOEGVMmMNFOUPGSFTFSWFTFUGPSUIJO the prevailing rules and regulations; b. Individual achievement; c. Fairness with peer group; and d. Consideration of the Bank’s target and long-term strategy

Skema Prosedur Remunerasi Dewan Komisaris Remuneration Procedure of the Board of Commissioners Scheme REKOMENDASI DAN USULAN REMUNERASI ANGGOTA DEWAN Remuneration recommendations and proposals of the Board Members

KOMITE NOMINASI DAN REMUNERASI (KNR) Remuneration and Nomination Committee

MENYUSUN REKOMENDASI DAN MENGUSULKAN REMUNERAASI ANGGOTA DEWAN KOMISARIS Prepare recommendations and propose the remuneration of the board of commissioners

MEMBAHAS USULAN KOMITE REMUNERASI DAN NOMINASI SERTA MENGUSULKAN KEPADA RUPS REMUNERASI BAGI ANGGOTA DEWAN KOMISARIS Discuss the proposal of the Remuneration and Nomination Committee and propose to the GMS the Remuneration for members of the Board of Commissioners

DEWAN KOMISARIS Board of Commissioners

USULAN REMUNERASI ANGGOTA DEWAN KOMISARIS Remuneration proposal of Members of the Board of Commissioners

RAPAT UMUM PEMEGANG SAHAM (RUPS) General Meetings of Shareholders (GMS)

Fasilitas dan Tunjangan Dewan Komisaris dalam Satu Tahun

Facilities and Allowances Commissioners in One Year

• • • • • •

• • • • • •

Gaji Tantiem Tunjangan hari raya Fasilitas uang cuti Tunjangan hari tua Tunjangan pakaian dinas

REMUNERASI ANGGOTA DEWAN KOMISARIS Remuneration member of Board of Commissioners

of

the

Board

of

Salary Bonus Religious Commemoration Allowance On Leave Allowance Old Age Allowance Uniform Allowance

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

448

DEWAN KOMISARIS

• • • • • • • •

Fasilitas akomodasi dan transportasi perjalanan dinas Manfaat pensiun Fasilitas kesehatan Fasilitas rumah dinas Fasilitas komunikasi Insentif prestasi kerja Asuransi jabatan Jamsostek (BPJS ketenagakerjaan)

• t • • • • • •

Business trip accommodation and transportation facilities 3FUJSFNFOUCFOFmUT Health facilities Housing facilities Communication facilities Incentives for work performance Position Insurance Jamsostek (BPJS)

Struktur Remunerasi Dewan Komisaris Remuneration of the Board of Commissioners No

Jenis Remunerasi dan Fasilitas Lain

Jumlah Diterima dalam 1 Tahun Number of Received in 1 Year Dewan Komisaris Board of Commissioners Orang/People

1

Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya dalam bentuk non natura)

2

Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi, kesehatan dan TFCBHBJOZB ZBOH  a. Dapat dimiliki

8

Remuneration and Other Facilities

Jutaan/Million Rupiah

19.035

Remuneration (salary, bonus, routine allowance, bonus, and other non natura facilities) Other natura facilities (housing, transportation, IFBMUIJOTVSBODF BOEPUIFST XIJDI 

8

225

b. Tidak dapat dimiliki

a.

Dapat dimiliki/Be owned b. Tidak dapat dimiliki/Can not be owned

Total

19.260

Total

) Dinilai dalam ekivalen Rupiah  1FOHBOHLBUBO TBUV %JSFLUVS6UBNBEBO FOBN %JSFLUVSTFTVBJEFOHBO"LUB Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., Nomor 219, 220, 221, tanggal 19 Desember 2014

) Assessed in the equivalent amount  "QQPJOUNFOUPG POF %JSFDUPSBOETJY  %JSFDUPS(FOFSBM.FFUJOHJOBDDPSEBODF with the Deed of Extraordinary Shareholders Regional Development Bank of West Java and Banten, Tbk., No. 219, 220, 221, dated December 19, 2014

Frekuensi Kehadiran Komisaris

Tingkat Dewan

Frequency of Meetings and the Level of Attendance of the Board of Commissioners Meetings

Dewan Komisaris menyelenggarakan rapat sekurangkurangnya 1 (satu) kali dalam satu bulan atau pada setiap waktu jika dianggap perlu oleh salah satu atau lebih anggota Dewan Komisaris. Mekanisme pengambilan keputusan dalam rapat Dewan Komisaris berdasarkan atas musyawarah untuk mufakat. Apabila mufakat tidak dapat tercapai, pengambilan keputusan didasarkan pada suara mayoritas anggota Dewan Komisaris yang hadir atau yang mewakili pada rapat. Apabila jumlah suara berimbang, maka keputusan yang diajukan harus ditolak. Kuorum untuk seluruh rapat Dewan Komisaris adalah lebih dari separuh jumlah anggota Dewan Komisaris yang hadir atau diwakili kuasa yang diberikan kepada salah satu Komisaris yang hadir pada rapat tersebut.

The Board of Commissioners holds meetings at least 1 (one) once a month or at any time deemed necessary by one or more members of the Board of Commissioners. The decision-making mechanism in the meeting of the Board of Commissioners is based on deliberation. If consensus cannot be reached, decisions are taken based on a majority vote of members of the Board of Commissioners who are present or represented at the meeting. In the case the agreeing and disagreeing vote is equal then the proposed decision should be rejected. The quorum for all meetings of the Board of Commissioners is more than half of the members of the Board of Commissioners present or represented by the authority given to one of the commissioners present at the meeting.

Selama tahun 2014, secara keseluruhan Dewan Komisaris Perseroan telah menyelenggarakan rapat sebanyak 64 kali, dengan tingkat kehadiran sebagai berikut:

During 2014, overall the Board of Commissioners held 64 meetings, with the level of attendance as follows:

Pertemuan/Rapat dan Dalam pertemuan/Rapat

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

449 BOARD OF COMMISSIONERS

Tabel Kehadiran Dewan Komisaris dalam Rapat Table of Attendance of the Board of Commissioners Meeting Periode Januari-Desember 2014 | Period of January-December 2014 Nama Name

Jumlah Kehadiran | Total Attendance

Jabatan/Position

Periode 2014 Period

Persentase/Percentage (%)

5BVmFRVSBDINBO3VLJ

Komisaris Utama/President Commissioner 

1

0,2%

Muhadi

Komisaris/Commissioner

36

56,25%

8BXBO3JEXBO

Komisaris/Commissioner

-

-

Achmad Baraba

Komisaris Independen/Independent Commissioner

57

89,06%

Klemi Subiyantoro

Komisaris Independen/Independent Commissioner

45

70,31%

Yayat Sutaryat

Komisaris Independen/Independent Commissioner

61

95,31%

Rudhyanto Mooduto

Komisaris Independen/Independent Commissioner

50

78,12%

NFOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS served as the Board of Commissioners of the Company since the date of December 19, 2014 in accordance Deed EGM number 221

Selama tahun 2014, Dewan Komisaris Perseroan telah menyelenggarakan Rapat Gabungan Direksi dan Dewan Komisaris sebanyak 28 kali, dengan tingkat kehadiran sebagai berikut:

During 2014, the Board of Commissioners has held a Joint Meeting of the Board of Directors and Board of Commissioners as much as 28 times, with the level of attendance as follows:

Tabel Kehadiran Direksi Dalam Rapat Gabungan Dewan Komisaris dan Direksi Table of Attendance of the Directors In Board Commissioners Meeting Nama Name

Jabatan/Position

Jumlah Kehadiran | Total Attendance Periode 2014 Period

Persentase/Percentage (%)

5BVmFRVSBDINBO3VLJ

Komisaris Utama/President Commissioner 

1

3,57%

Muhadi

Komisaris/Commissioner

12

42,86%

8BXBO3JEXBO

Komisaris/Commissioner

Achmad Baraba

Komisaris Independen/Independent Commissioner

-

-

26

92,86% 71,43%

Klemi Subiyantoro

Komisaris Independen/Independent Commissioner

20

Yayat Sutaryat

Komisaris Independen/Independent Commissioner

28

100%

Rudhyanto Mooduto

Komisaris Independen/Independent Commissioner

25

89,29%

NFOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS TFSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS

Agenda Rapat Dewan Komisaris Board Commissioners Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

8 Januari 2014 January 8, 2014

 1FNCBIBTBOSFnFLTJUBIVOEBOQFNBOUBQBO fungsi serta tugas Dewan Komisaris bank bjb tahun 2014 - Laporan Komite Remunerasi dan Nominasi - Lain-lain

 %JTDVTTJPOPOUIFSFnFDUJPOJOBOEUIF consolidation of functions and duties of the Board of Commissioners of bank bjb in 2014 - Report of the Remuneration and Nomination Committee - Etc

15 Januari 2014 January 15, 2014

- Review kinerja bank bjb tahun 2013 dan prospek tahun 2014 - Lain-lain

- Review of bank bjb’s performance in 2013 and prospects for 2014 - Etc

15 Januari 2014 January 15, 2014

- Laporan hasil pertemuan dengan Otoritas Jasa Keuangan (OJK) pada tanggal 10 Januari 2014 - Lain-lainnya

- Review of bank bjb’s performance in 2013 and prospects for 2014 - Etc

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

450

DEWAN KOMISARIS

Agenda Rapat Dewan Komisaris Board Commissioners Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

22 Januari 2014 January 22, 2014

- Pembahasan mekanisme dan program kerja Komite tahun 2014 - Lain-lain

- Discussion of the mechanism and work program of the Committees in 2014 - Etc

29 Januari 2014 January 29, 2014

- Pembahasan laporan Komite Remunerasi dan Nominasi - Lain-lain

- Discussion of the report of the Remuneration and Nomination Committee - Etc

5 Februari 2014 February 5, 2014

- Laporan Komite Remunerasi dan Nominasi - Lain-lainnya

- Report of the Remuneration and Nomination Committee - Etc

12 Februari 2014 February 12, 2014

- Laporan Komite-komite Dewan Komisaris - Pembahasan permohonan persetujuan (perubahan) penambahan anggaran penyertaan modal kepada PT Asuransi Staco pada rencana revisi RBB 2014 - Lain-lain

- Report of Committees of the Board of Commissioners - Discussion of the application for approval (change) on budget increase for equity participation in PT Asuransi Staco in the revised Bank Business Plan in 2014 - Etc

19 Februari 2014 February 19, 2014

- Pembahasan rencana Rapat Umum Pemegang Saham - Lain-lain

- Discussion on the General Meeting of Shareholders - Etc

26 Februari 2014 February 26, 2014

- Pemaparan laporan kinerja bank bjb bulan Januari 2014 - Pembahasan agenda RUPS dan RUPS LB bank bjb tahun buku 2014 - Progress report gedung T Tower Jakarta - Lain-lain

- Exposure of bank bjb’s performance report in January 2014 - Discussion on the agenda of the AGM and the EGM of bank bjbJOUIFmOBODJBMZFBS - Progress report on the T Tower Building Jakarta - Etc

27 Februari 2014 February 27, 2014

- Pembahasan laporan pengawasan Dewan Komisaris Semester II Tahun 2013

- Discussion on the monitoring report of the Board of Commissioners second half of 2013

5 Maret 2014 March 5, 2014

- Laporan KRN mengenai hasil rapat dengan OJK Bandung pada Tanggal 28 Februari 2014 - Lain-lain

- KRN report on the results of the meeting with OJK in Bandung in February 28, 2014 - Etc

5 Maret 2014 March 5, 2014

- Pembahasan hasil pertemuan KRN dengan OJK Bandung pada tanggal 28 Februari 2014

- Discussion of the results of the meeting between KRN and OJK in Bandung on February 28, 2014

7 Maret 2014 March 7, 2014

- Pembahasan laporan KRN kepada Dewan Komisaris mengenai Remunerasi Pengurus dan Pegawai bank bjb - Lain-lain

- Discussion on the KRN report to the Board of Commissioners on the Remuneration for the Management and Employees of bank bjb - Etc

12 Maret 2014 March 12, 2014

- Pembahasan permohonan pemberian fasilitas kredit kepada pihak terkait a.n. PD BPR Saketi Pandeglang - Pembahasan permohonan pemberian fasilitas kredit kepada pihak terkait a.n. PD BPR LPK - Cipatujah - Lain-lain

- Discussion on the application of credit facilities to the related party under the name PD BPR Saketi Pandeglang - Discussion on the application of credit facilities to the related party under the name PD BPR LPK Cipatujah - Etc

19 Maret 2014 March 19, 2014

- Pembahasan laporan kinerja bank bjb bulan Februari 2014 - Finalisasi Laporan Dewan Komisaris dalam Annual Report 2013 dan pidato Dewan Komisaris pada RUPS Tahunan bank bjb Tahun Buku 2013 - Penunjukan Pemimpin RUPS Tahunan bank bjb Tahun Buku 2013 - Lain-lain

- Discussion on bank bjb’s performance report in February 2014 - Finalization of the Board of Commissioners Report in the Annual Report 2013 and the Board of Commissioners speech at the Annual General Meeting of Shareholders of bank bjb in the Fiscal Year 2013 - The appointment of the Chairman of the Annual General Meeting of Shareholders of bank bjb for the Fiscal Year 2013 - Etc

20 Maret 2014 March 20, 2014

- Pemaparan laporan kinerja bank bjb bulan Januari 2014 oleh Direksi - Lain-lain

- Exposure of bank bjb’s performance report in January 2014 by the Board of Directors - Etc

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

451 BOARD OF COMMISSIONERS

Agenda Rapat Dewan Komisaris Board Commissioners Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

2 April 2014 April 2, 2014

- Tindak Lanjut RUPS tahunan Tahun buku 2013 - Lain-lain

- Follow-up of the Annual General Meeting of 4IBSFIPMEFSTJOUIFmTDBMZFBS - Etc

11 April 2014 April 11, 2014

- Laporan Komite Remunerasi dan Nominasi - Pembahasan surat-surat dari OJK - Lain-lain

- Report of the Remuneration and Nomination Committee - Discussion on the letters from OJK - Etc

16 April 2014 April 16, 2014

 ,MBSJmLBTJBUBT4VSBU&EBSBOCompliance Checklist - Lain-lain

 $MBSJmDBUJPOPGUIF$JSDVMBS-FUUFSPG$PNQMJBODF Checklist - Etc

16 April 2014 April 16, 2014

- Laporan Komite Remunerasi dan Nominasi - Lain-lain

- Report of the Remuneration and Nomination Committee - Etc

23 April 2014 April 23, 2014

- Pemaparan laporan Kinerja bank bjb Bulan Maret 2014 Oleh Direksi - Lain-lain

- Exposure of bank bjb’s performance report in March 2014 by the Board of Directors - Etc

30 April 2014 April 30, 2014

- Pembahasan Penyesuaian Rencana Bisnis PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk tahun 2014 - 2016 - Lain-lain

- Discussion on the Adjustment of the Business Plan of Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk, in 2014 - 2016 - Etc

7 Mei 2014 May 7, 2014

- Pembahasan hasil rapat dengan OJK tanggal 7 Mei 2014 - Lain-lain

- Discussion on the results of meetings with OJK dated May 7, 2014 - Etc

12 Mei 2014 May 12, 2014

- Tindak lanjut hasil keputusan Fit and Proper Test Existing - Lain-lain

- Follow up on the results in the Existing Fit and Proper Test - Etc

20 Mei 2014 May 20, 2014

- Laporan Komite Remunerasi dan Nominasi - Lain-lain

- Report of the Remuneration and Nomination Committee - Etc

21-22 Mei 2014 May 21-22, 2014

- Tindak lanjut hasil keputusan Fit and Proper Test Existing - Lain-lain

- Follow up on the results of the Existing Fit and Proper Test - Etc

28 Mei 2014 May 28, 2014

- Laporan dari Divisi-divisi terkait mengenai perkembangan operasional bank bjb terkini - Lain-lain

- Reports of the divisions related to the current operational development of bank bjb - Etc

7 Mei 2014 May 1, 2014

- Pembahasan hasil rapat dengan OJK tanggal 7 Mei 2014 - Lain-lain

- Discussion on the results of the meeting with OJK dated May 7, 2014 - Etc

4 Juni 2014 June 4, 2014

- Tindak Lanjut Atas Operasional bank bjb Terkini - Lain-lain

- Follow-Up on the latest Operations of bank bjb - Etc

10 Juni 2014 June 10, 2014

- Pembahasan Surat OJK Perihal Tindak Lanjut Hasil Fit and Proper Test - Perubahan Anggaran Dasar - Lain-lain

- Discussion on Letter from OJK concerning the Follow-Up of the results of Fit and Proper Test - Amendments to the Articles of Association - Etc

12 Juni 2014 June 12, 2014

- Laporan Perkembangan Persiapan RUPS-LB bank bjb Tanggal 12 Juli 2014 - Lain-lain

- Progress Report on the Preparation of bank bjb’s EGM in July 12, 2014 - Lain-lain

17 Juni 2014 June 17, 2014

- Pemaparan Laporan Perkembangan bank bjb Terkini - Laporan Perkembangan Persiapan RUPS-LB bank bjb Tanggal 1 Juli 2014 - Lain-lain

- Exposure on the report on bank bjb’s latest development - Progress Report on the Preparation of bank bjb’s EGM in July 1, 2014 - Etc

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

452

DEWAN KOMISARIS

Agenda Rapat Dewan Komisaris Board Commissioners Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

30 Juni 2014 June 30, 2014

- Penunjukan Pemimpin RUPS Luar Biasa bank bjb tanggal 1 Juli 2014 - Lain-lain

- Appointment of the Chariman of the Extraordinary General Meeting of Shareholders of bank bjb in July 1, 2014 - Etc

2 Juli 2014 July 2, 2014

- Laporan perkembangan kinerja bank bjb terkini - Lain-lain

- Report on the Bank’s latest bank performance development - Etc

10 Juli 2014 July 10, 2014

- Laporan perkembangan kinerja bank bjb terkini - Lain-lain

- Report on the Bank’s latest bank performance development - Etc

6 Agustus 2014 August 6, 2014

- Laporan Komite Remunerasi dan Nominasi perihal proses seleksi penerimaan Calon Pengurus - Lain-lain

- Report of the Remuneration and Nomination Committee concerning the selection process for Candidate Manager - Etc

13 Agustus 2014 August 13, 2014

- Laporan Komite Remunerasi dan Nominasi perihal proses seleksi penerimaan Calon Pengurus - Lain-lain

- Report of the Remuneration and Nomination Committee concerning the selection process for Candidate Manager - Etc

13 Agustus 2014 August 13, 2014

- Laporan Komite Remunerasi dan Nominasi perihal proses seleksi penerimaan Calon Pengurus - Lain-lain

- Report of the Remuneration and Nomination Committee concerning the selection process for Candidate Manager - Etc

15 Agustus 2014 August 15, 2014

- Laporan Komite Remunerasi dan Nominasi perihal proses seleksi penerimaan Calon Pengurus - Lain-lain

- Report of the Remuneration and Nomination Committee concerning the selection process for Candidate Manager - Etc

20 Agustus 2014 August 20, 2014

 1FNBQBSBOQSPmMSJTJLPCBOLbjb oleh Divisi Manajemen Risiko - Pemaparan kajian mengenai kesiapan bank bjb menghadapi Basel III oleh Divisi Manajemen Risiko - Pemaparan hasil kajian Komite Pemantau Risiko tentang Kualitas Penerapan Manajemen Risiko - Lain-lain

- Exposure of bank bjbTSJTLQSPmMFCZUIF3JTL Management Division - Exposure of the assessment on the Bank’s readiness to face Basel III by the Risk Management Division - Exposure on the results of assessment by the Risk Oversight Committee on the Quality of Risk Management - Etc

27 Agustus 2014 August 27, 2014

- Pembahasan hasil perkembangan anak perusahaan bank bjb - Lain-lain

- Discussion on the results of the development of the bank bjb’s subsidiary entities - Etc

28 Agustus 2014 August 28, 2014

- Pembahasan Hasil Assessment Calon Direksi bank bjb - Lain-lain

- Discussion on the Assessment Results for the candidates of bank bjb’s directors - Etc

5 November 2014 November 5, 2014

- Pembahasan Pedoman dan Tata Tertib Kerja Dewan Komisaris - Pembahasan Pedoman dan Tata Tertib Kerja Komite Remunerasi dan Nominasi - Pembahasan laporan Triwulanan Komite Audit - Lain-lain

- Discussion on the Work Guidelines and Rules of the Board of Commissioners - Discussion on the Work Guidelines and Rules of the Remuneration and Nomination Committee - Discussion on the Quarterly report of the Audit Committee - Etc

22 Desember 2014 December 22, 2014

- Pembahasan Laporan Kinerja bank bjb psisis 30 November 2014 - Lain-lain

- Discussion on bank bjb’s performance report bjb in November 30, 2014 - Etc

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

453 BOARD OF COMMISSIONERS

+XEXQJDQ $ÀOLDVL +XEXQJDQ .HXDQJDQ GDQ Hubungan Keluarga)

$IÀOLDWH 5HODWLRQVKLS )LQDQFLDO DQG )DPLO\ Relationship)

Anggota Dewan Komisaris dengan anggota Dewan Komisaris lainnya, Direksi dan/atau Pemegang Saham Pengendali Bank.

Among members of the Board of Commissioners with fellow members of the Board of Commissioners, Board of Director and/or the Controlling Shareholders of the Bank.

Hubungan Keuangan/ Financial Relationship with Nama/ Name

Pemegang Saham Pengendali/ Controlling Shareholder

Dewan Komisaris/ Board of Commissioners

Hubungan Keluarga/Family Relationship with

Direksi/ Board of Directors

Pemegang Saham Pengendali/ Controlling Shareholder

Dewan Komisaris/ Board of Commissioners

Direksi/ Board of Directors

Ada/Yes

Tidak/ No

Ada/Yes

Tidak/ No

Ada/Yes

Tidak/ No

Ada/Yes

Tidak/ No

Ada/Yes

Tidak/ No

Ada/Yes

Tidak/ No

7DXÀHTXUDFKPDQ5XNL

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Muhadi

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Wawan Ridwan

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Yayat Sutaryat

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Achmad Baraba

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Klemi Subiyantoro

-

ʚ

-

ʚ

-

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-

ʚ

-

ʚ

-

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Rudhyanto Mooduto

-

ʚ

-

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-

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-

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-

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-

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.FOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS 4FSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS

Program Pelatihan Dewan Komisaris

Training Program for Commissioners

Program Pelatihan Peningkatan Kompetensi Komisaris Tahun 2014 Competence Enhancement Training Program for Commissioners in 2014 Nama Name

Program Pelatihan Tanggal Mulai Lokasi/Location Training Program Start Date 7DXÀHTXUDFKPDQ5XNL 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 25 Januari/January Jakarta Muhadi 3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM 2014 Seminar Human Capital Planning Toward Asean Economic 10 Desember/ Community 2015/Human Capital Planning Seminar Toward Asean Jakarta December 2014 Economic Community 2015 Wawan Ridwan 8PSLTIPQ*EFOUJmLBTJ%BO*NQMFNFOUBTJ4JTUFN3FNVOFSBTJ#BOL 12 Februari/February Di Indonesia/8PSLTIPQPO*EFOUJmDBUJPOBOE*NQMFNFOUBUJPO Jakarta Yayat Sutaryat 2014 Remuneration System Bank In Indonesia Implementasi Basel III/Basel III Implementation Jakarta 21 Mei/May 2014 Seminar Human Capital Planning Toward Asean Economic 10 Desember/ Community 2015/Human Capital Planning Seminar Toward Asean Jakarta December 2014 Economic Community 2015 Seminar Nasional BPDSI 15 Desember/ Jakarta National Seminar BPDSI December 2014 Liquidity Risk Management - BSMR Australia 14 Mei/May 2014 Achmad Baraba Liquidity Risk Management - BSMR Seminar Human Capital Planning Toward Asean Economic 10 Desember/ Community 2015/Human Capital Planning Seminar Toward Asean Jakarta December 2014 Economic Community 2015 Program Intensive Wealth Management and Risk Management Refreshment Program for Executives/Program Intensive Wealth Belanda - Belgia 10 Mei/May 2014 Klemi Subiyantoro Management and Risk Management Refreshment Program for Executives Program Intensive Wealth Management and Risk Management Refreshment Program for Executives/Program Intensive Wealth Belanda - Belgia 10 Mei/May 2014 Rudhyanto Mooduto Management and Risk Management Refreshment Program for Executives Pelatihan Fraud Management Best Practice Course 3 November/ Inggris Fraud Management Best Practice Course Training November 2014 Seminar Human Capital Planning Toward Asean Economic 10 Desember/ Community 2015/Human Capital Planning Toward Asean Economic Jakarta December 2014 Community 2015 Seminar NFOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS TFSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS

Tanggal Selesai Finish Date 25 Januari/January 2014 10 Desember/ December 2014 13 Februari/February 2014 21 Mei/May 2014 10 Desember/ December 2014 16 Desember/ December 2014 15 Mei/May 2014 10 Desember/ December 2014

17 Mei/May 2014

17 Mei/May 2014 7 November/ November 2014 10 Desember/ December 2014

bank bjb Annual Report 2014

454

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DEWAN KOMISARIS

Program Orientasi bagi Komisaris dan anggota Komite di bawah Dewan Komisaris Baru Untuk kelancaran pelaksanaan tugas, bank bjb memberlakukan program pengenalan atau orientasi bagi anggota Dewan Komisaris yang baru. Program Pengenalan sangat penting untuk dilaksanakan, mengingat Dewan Komisaris berasal dari berbagai latar belakang, sehingga untuk dapat membentuk tim kerja yang solid, Program Orientasi tersebut menjadi sangat bermanfaat untuk dijalankan.

Orientation program for the Commissioners and members of the Committees under the new Board of Commissioners In order for the tasks to be imlemented smoothly, bank bjb imposes the introduction or orientation program for new members of the Board of Commissioners. The introduction program is very important to be conducted, given the members of the Board of Commissioners come from various backgrounds, thus to be able to form a solid team work, the orientation program will be very useful.

Materi pengenalan disampaikan oleh Direktur Utama, yang antara lain mengenai: 1. Tugas dan tanggung jawab Dewan Komisaris berdasarkan hukum. 2. Pelaksanaan prinsip-prinsip GCG oleh bank bjb. 3. Gambaran mengenai bank bjb berkaitan dengan tujuan, sifat, lingkup kegiatan, kinerja keuangan dan operasi, strategi, rencana usaha jangka pendek dan jangka panjang, posisi kompetitif, risiko dan masalah-masalah strategis lainnya. 4. Pedoman dan Tata Tertib Kerja Dewan Komisaris dan Komite-komite di bawahnya. 5. Kegiatan usaha/investasi yang sedang dijalankan oleh Bank.

The materials conveyed by the President Director in the introduction program, among others include: 1. The duties and responsibilities of the Board of Commissioners by law. 2. The implementation of corporate governance principles by bank bjb. 3. Description of bank bjb with regard to the objectives, OBUVSF  TDPQF PG BDUJWJUJFT  mOBODJBM BOE PQFSBUJPOBM performance, strategies, short-term and long-term business plans, competitive position, risks and other strategic issues. 4. Work Guidelines and Rules for the Board of Commissioners and the Committees under the Board of Commissioners. 5. The business activities/ investments being carried out by the Bank.

Pengungkapan mengenai Board Charter (Pedoman dan Tata Tertib Kerja Dewan Komisaris)

Disclosure of Board Charter (Guidelines and Regulations of the Board of Commissioners)

Sudah dituangkan dalam Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., Nomor 06/DK/SK/2014 tentang Pedoman dan Tata Tertib Kerja Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

Has been set forth in the Decree of the Board of Commissioners of PT Bank Jabar No. 06/DK/2007 on Work Guidelines of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat.

Komisaris Independen

Independent Commissioner

Sesuai dengan PBI nomor 8/4/PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah dengan Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat Edaran Bank Indonesia No. 9/12/DPNP Tanggal 30 Mei 2007 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum, yang dimaksud dengan Komisaris Independen adalah anggota Dewan Komisaris yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi dan atau pemegang saham pengendali

In accordance with PBI No. 8/4/PBI/2006 dated January 30, 2006 as amended by Bank Indonesia Regulation number 8/14/PBI/2006 dated October 5, 2006 and Bank Indonesia Circular Letter No. 9/12/DPNP dated May 30, 2007 on the Implementation of Good Corporate Governance for Commercial Banks, the Independent Commissioner is a member of the Board of Commissioners who do not have mOBODJBM NBOBHFNFOU PXOFSTIJQBOEPSGBNJMZSFMBUJPOTIJQT with members of the Board of Commissioners, Board of Directors and or controlling shareholder or the relationship with

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

455 BOARD OF COMMISSIONERS

atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen. Selain tugas dan fungsi pengawasan terhadap jalannya operasional Bank secara umum dan memastikan kepatuhan terhadap peraturan dan perundangan yang berlaku, Komisaris Independen juga mempunyai tanggung jawab khusus yaitu mewakili kepentingan pemegang saham minoritas Bank. Adapun Komisaris Independen perseroan berjumlah 4 (empat) orang atau lebih dari 50% jumlah Komisaris.

the Bank, which could affect its ability to act independently. In addition to the duties and the supervision function on the Bank’s operations in general and ensure compliance with the applicable laws and regulations, the Independent Commissioner also has a special responsibility namely to represent the interests of the minor shareholders of the Bank. The number of Independent Commissioners in the Company is 4 (four) or more than 50% of the number of Commissioners.

Kriteria Penentuan Komisaris Independen

Criteria of the Independent Commissioner

Kriteria penentuan Komisaris Independen telah diatur dalam Keputusan Dewan Komisaris PT Bank Jabar Nomor 06/ DK/2007 tentang Pedoman Kerja DewanKomisaris PT Bank Pembangunan Daerah Jawa Barat. Adapun persyaratan Komisaris Independen diantaranya:

Criteria for determining the Independent Commissioner has been set in the decision of the Board of Commissioners of PT Bank Jabar No. 06/DK/2007 on the Work Guidelines of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat. The requirements for Independent Commissioner include: 1. The Board of Commissioners consists of Commissioner BOE *OEFQFOEFOU $PNNJTTJPOFS "U MFBTU  mGUZ percent) of the members of the Board of Commissioners are Independent Commissioners.

1. Dewan Komisaris terdiri dari Komisaris dan Komisaris Independen. Paling kurang 50% (lima puluh perseratus) dari jumlah anggota Dewan Komisaris adalah Komisaris Independen. 2. Komisaris Independen adalah anggota Dewan Komisaris yang tidak memiliki hubungan dengan pemegang saham pengendali/mayoritas, keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi dan/ atau dengan Bank, serta bebas dari hubungan bisnis atau hubungan lainnya yang dapat mempengaruhi kemampuannya untuk bertindak independen. a. Pemegang Saham Pengendali adalah badan hukum, orang perseorangan maupun kelompok usaha yang memiliki saham Bank sebesar 25% (dua puluh lima perseratus) atau lebih dari jumlah saham yang dikeluarkan dan mempunyai hak suara atau memiliki saham Bank kurang dari 25% (dua puluh lima perseratus) dari jumlah saham yang dikeluarkan dan mempunyai hak suara namun yang bersangkutan dapat dibuktikan telah melakukan Pengendalian Bank, baik secara langsung maupun tidak langsung. b. Hubungan keuangan yang dimaksud adalah apabila seseorang menerima penghasilan, bantuan keuangan, atau mendapatkan pinjaman dari Pemegang Saham Pengendali Bank.

2. Independent Commissioner is a member of the Board of Commissioners who do not have a relationship with UIF DPOUSPMMJOH NBKPS TIBSFIPMEFST  mOBODJBM SFMBUJPOT  management relations, shares ownership and/ family relationships with other members of the Board of Commissioners, Board of Directors and/ or the Bank, as well as free of business relationships or other relationships that may affect its ability to act independently. a. Controlling Shareholder is a legal entity, individual or group that owns the Bank’s shares amounting to  UXFOUZ mWF QFSDFOU  PS NPSF PG UIF UPUBM JTTVFE shares with voting rights or owns shares of the Bank of MFTTUIBO UXFOUZmWFQFSDFOU PGUIFUPUBMJTTVFE shares with voting rights and is concerned provable to have performed Control on the Bank, either directly or indirectly. b. Financial relationship in question is if a person SFDFJWFTJODPNF mOBODJBMBJE PSMPBOTGSPNUIF#BOLT Controlling Shareholder.

bank bjb Annual Report 2014

456

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DEWAN KOMISARIS

c. Hubungan kepengurusan adalah apabila seseorang menduduki posisi sebagai anggota Dewan Komisaris, Direksi atau Pejabat Eksekutif pada perusahaan Pemegang Saham Pengendali Bank. d. Kepemilikan saham adalah: • Pemegang Saham Pengendali • Pemegang Saham Bank bersama Pemegang Saham Pengendali Bank. • Untuk pembagian saham yang berasal dari Management Shares Option Program (MSOP) besarnya tidak boleh melebihi 5% (lima persen) dari modal disetor Bank dan tidak termasuk dalam hubungan kepemilikan saham dimaksud. e. Hubungan keluarga, seperti tercantum pada persyaratan independensi. Apabila Pemegang Saham Pengendali merupakan badan hukum, maka Direktur Utama tidak boleh memiliki hubungan keluarga dengan Direktur, Komisaris maupun Pejabat Eksekutif badan hukum Pemegang Saham Pengendali Bank. f. Hubungan lain yang dapat menghalangi Komisaris Independen tidak dapat bertindak independen adalah; • Kepemilikan saham Bank dengan jumlah kepemilikan lebih dari 5% (lima persen) dari modal disetor Bank; • Menerima atau memberi penghasilan, bantuan keuangan, atau pinjaman dari/kepada Bank yang menyebabkan pihak yang memberi penghasilan, bantuan keuangan atau pinjaman memiliki kemampuan untuk mempengaruhi (controlling JOnVFODF) pihak yang menerima penghasilan, bantuan keuangan atau pinjaman seperti; B 1JIBL UFSBmMJBTJ ZBLOJ QJIBL ZBOH NFNCFSJLBO jasanya kepada Bank, antara lain akuntan publik, penilai, konsultan; b. transaksi keuangan dengan Bank yang dapat mempengaruhi kelangsungan usaha Bank dan/atau pihak yang melakukan transaksi keuangan, antara lain debitur inti, deposan inti, atau perusahaan yang sebagian besar sumber pendanaannya diperoleh dari Bank. c. debitur inti, deposan inti adalah debitur inti, deposan inti sebagaimana dimaksud dalam ketentuan Bank Indonesia mengenai Laporan Berkala Bank Umum.

bank bjb Laporan Tahunan 2014

c. Management Relations is when a person occupying a position as a member of the Board of Commissioners, #PBSEPG%JSFDUPSTPS&YFDVUJWF0GmDFSTPGB$PNQBOZ owned by the controlling shareholder of the Bank d. Shareholding is: • Controlling Shareholders • Shareholders of the Bank and controlling shareholders of the Bank. • For the distribution of shares from the Management Shares Option Program (MSOP), the amount may OPUFYDFFE mWFQFSDFOU PGUIFQBJEVQDBQJUBM of the Bank and is not included in the shares ownership relations referred above. e. Family relationships, as listed on the independence requirements. If the Controlling Shareholder is a legal entity, then the President Director must not have any family relationship with Directors, Commissioners and &YFDVUJWF 0GmDFST PG UIF MFHBM FOUJUZ PG UIF #BOLT controlling shareholders. f. Other relationships that could hinder the Independent Commissioner to act independently are; t 0XOFSTIJQPG#BOLTIBSFTCZNPSFUIBO mWF percent) of the paid up capital of the Bank; t 3FDFJWF PS HJWF JODPNF  mOBODJBM BJE  PS MPBOT from/ to the Bank that led the party giving income, mOBODJBMBJEPSMPBOTUPIBWFUIFBCJMJUZUPJOnVFODF DPOUSPMMJOH JOnVFODF  UIF QBSUZ SFDFJWJOH UIF JODPNF TVDIBTmOBODJBMBJETPSMPBOT B "GmMJBUFE QBSUZ JT UIF QBSUZ QSPWJEJOH TFSWJDFT to the Bank, among others, public accountant, appraiser, consultant; b. Financial transactions with the Bank that may affect the viability of the Bank and/ or parties QFSGPSNJOH UIF mOBODJBM USBOTBDUJPOT  TVDI as the core debtors, core depositors, or companies whose source of funds are mostly derived from the Bank. c. Core debtor depositors as referred in the Bank Indonesia regulations concerning Commercial Bank Periodic Reports.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

457 BOARD OF COMMISSIONERS

3. Komisaris dapat diubah statusnya menjadi Komisaris Independen dengan meminta persetujuan dari Bank Indonesia. Untuk mendapatkan persetujuan, calon Komisaris Independen harus menyampaikan surat pernyataan independensi sesuai format dari Bank Indonesia. Persetujuan diberikan setelah dilakukan penilaian administratif terhadap kebenaran surat pernyataan independensi dan penelitian track record.

3. A commissioner may change his/ her status to independent commissioner through the approval from Bank Indonesia. To obtain approval, the candidate of the Independent Commissioner must submit a statement of independence according to the format set by Bank Indonesia. Approval will be given after an administrative assessment of the validity of the statement letter and the examination of track record.

4. Anggota Dewan Komisaris tidak boleh merangkap jabatan lain yang dapat menimbulkan benturan kepentingan secara langsung maupun tidak langsung dengan Bank.

4. Members of the Board of Commissioners shall not concurrently occupy other positions which may cause the PDDVSSFODFPGDPOnJDUPGJOUFSFTUEJSFDUMZPSJOEJSFDUMZXJUI the Bank.

5. Anggota Dewan Komisaris hanya dapat merangkap jabatan sebagai: a. Anggota Dewan Komisaris, Direksi atau Pejabat Eksekutif pada 1 (satu) lembaga/perusahaan bukan lembaga keuangan, atau b. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif yang melaksanakan fungsi pengawasan pada 1 (satu) perusahaan anak bukan Bank yang dikendalikan oleh Bank,

5. Members of the Board of Commissioners may concurrently serve as: a. Members of the Board of Commissioners, Board of %JSFDUPSTPS&YFDVUJWF0GmDFSJO POF OPOmOBODJBM istitution/ company, or b. Members of the Board of Commissioners, Board of %JSFDUPST PSUIF&YFDVUJWF0GmDFSDBSSZPVUTVQFSWJTJPO on 1 (one) non-bank subsidiaries controlled by the Bank,

6. Tidak termasuk rangkap jabatan apabila: a. Anggota Dewan Komisaris Non Independen menjalankan tugas fungsional dari pemegang saham Bank yang berbentuk badan hukum pada kelompok usahanya; dan/atau b. Anggota Dewan Komisaris menduduki jabatan pada organisasi atau lembaga nirlaba. Sepanjang yang bersangkutan tidak mengabaikan pelaksanaan tugas dan tanggung jawab sebagai anggota Dewan Komisaris Bank.

6. Not a concurrent position if: a. Non Independent Member of the Board of Commissioners performs the functional duties of the shareholders of the legal entities in the business group; and/ or b. Members of the Board of Commissioners occupy QPTJUJPOTJOOPOQSPmUPSHBOJ[BUJPOTPSJOTUJUVUJPOT As long as the concerned party do not neglect the duties and responsibilities as a member of the Board of Commissioners.

7. Antara para anggota Dewan Komisaris tidak memiliki hubungan keluarga sedarah sampai dengan derajat kedua, baik menurut garis lurus maupun garis ke samping ataupun hubungan menantu atau ipar dengan anggota Dewan Komisaris lainnya dan anggota Direksi.

7. Among the members of the Board of Commissioners there are no family relationships to the second degree, either vertically or horizontally or in law relations with other members of the Board of Directors.

8. Anggota Dewan Komisaris wajib mengungkapkan: a. kepemilikan saham baik pada Bank maupun pada Bank dan perusahaan lain yang berkedudukan di dalam dan di luar negeri; b. hubungan keuangan dan hubungan keluarga dengan anggota Dewan Komisaris lain, anggota Direksi dan/

8. Members of the Board of Commissioners are obliged to disclose: a. Shares ownership in the Bank and in other banks and other companies domiciled inside and outside the country; C mOBODJBM SFMBUJPOT BOE GBNJMZ SFMBUJPOT XJUI PUIFS

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

458

DEWAN KOMISARIS

atau pemegang saham pengendali Perseroan dalam laporan pelaksanaan Good Corporate Governance kepada Bank Indonesia.

members of the Board of Commissioners, members of the Board of Directors and/ or controlling shareholders of the Company in report on the application of good corporate governance to Bank Indonesia.

9. Anggota Dewan Komisaris harus mengungkapkan seluruh benturan kepentingan yang sedang dihadapi maupun yang berpotensi menjadi benturan kepentingan atau segala sesuatu yang dapat menghambat anggota Dewan Komisaris untuk bertindak independen. Benturan LFQFOUJOHBO BEBMBI TVBUV NVODVMOZB LPOnJL BOUBSB kepentingan ekonomis perusahaan dan kepentingan ekonomis individu.

9. Members of the Board of Commissioners must disclose BMMDPOnJDUTPGJOUFSFTUUIBUBSFCFJOHGBDFEBOEQPUFOUJBM DPOnJDUT PG JOUFSFTU PS NBUUFST UIBU DBO JOIJCJU NFNCFST of the Board of Commissioners to act independently. $POnJDU PG JOUFSFTU JT UIF PDDVSSFODF PG DPOnJDU CFUXFFO the economic interests of the company and individual.

10. Dalam hal terdapat benturan kepentingan dalam pengambilan keputusan, Dewan Komisaris harus mengutamakan kepentingan Bank.

*OUIFFWFOUPGBDPOnJDUPGJOUFSFTUJOUIFEFDJTJPONBLJOH  the Board of Commissioners must prioritize the interests of the Bank.

11. Pengungkapan benturan kepentingan dicantumkan dalam setiap risalah rapat Dewan Komisaris, paling kurang mencakup nama anggota Dewan Komisaris yang memiliki benturan kepentingan, masalah pokok benturan kepentingan dan dasar pertimbangan pengambilan keputusan.

 %JTDMPTVSF PG DPOnJDUT PG JOUFSFTU JT DPOUBJOFE JO UIF minutes of meetings of the Board of Commissioners at least consisting the name of the Board of Commissioners XJUIUIFDPOnJDUPGJOUFSFTU UIFDFOUSBMJTTVFPGUIFDPOnJDU of interest and the decision-making considerations.

12. Terkait dengan pengambilan keputusan dalam Rapat Dewan Komisaris, Dewan Komisaris yang memiliki benturan kepentingan diperkenankan untuk mengungkapkan ide dan pendapat, akan tetapi tidak disertakan dalam pengambilan keputusan baik dalam musyawarah maupun pengambilan suara terbanyak. Hal ini dicatat dalam risalah Rapat Dewan Komisaris.

12. With regard to decision-making in the Board of Commissioners’ meeting, the member of the Board of $PNNJTTJPOFST XJUI DPOnJDU PG JOUFSFTU JT BMMPXFE UP express ideas and opinions, but shall not be included in the decision making both in the deliberation and voting. This is recorded in the minutes of the Board of Commissioners’ meeting.

Pernyataan Tentang Independensi Komisaris Independen

Statement On Independence by the Independent Commissioner

Seluruh Komisaris Independen tidak memiliki hubungan dengan sesama anggota Dewan Komisaris, dengan anggota Direksi, maupun dengan Pemegang Saham Pengendali dan/ atau RUPS.

All of the Independent Commissioners do not have relations with fellow members of the Board of Commissioners, with members of the Board of Directors, as well as with the Controlling Shareholder and/or the GMS.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

459 BOARD OF COMMISSIONERS

bank bjb Annual Report 2014

460

DEWAN KOMISARIS

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

461 BOARD OF COMMISSIONERS

bank bjb Annual Report 2014

462

DEWAN KOMISARIS

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

463 BOARD OF COMMISSIONERS

ASSESSMENT TERHADAP DEWAN KOMISARIS

ASSESSMENT ON COMMISSIONERS

THE

BOARD

OF

Proses Pelaksanaan Asessment Kinerja Dewan Komisaris Pengungkapan-pengungkapan mengenai proses pelaksanaan assesment yang telah dilakukan Dewan Komisaris mengacu kepada kriteria peraturan Bank Indonesia tentang GCG dan peraturan serta ketentuan lainnya yang terkait dan diatur dalam Keputusan Dewan Komisaris PT Bank Jabar Nomor 06/ DK/2007 tentang Pedoman Kerja Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat.

The Assessment on the Performance of the Board of Commissioners

Kriteria Asessment Kinerja Dewan Komisaris Penilaian kinerja anggota Dewan Komisaris difasilitasi oleh Komite Nominasi dan Remunerasi dengan sistem self assessment atau sistem lain yang ditetapkan oleh rapat Dewan Komisaris.

The Criteria of Performance The assessment on the performance of the Board of Commissioners is facilitated by the Nomination and Remuneration Committee with the self-assessment system or any other systems determined in the Board of Commissioners meeting.

Penilaian kinerja Dewan Komisaris dilakukan berdasarkan kriteria sebagai berikut: a. Kehadiran dalam rapat Dewan Komisaris. b. Kehadiran dalam rapat Komite di tingkat Dewan Komisaris. c. Kinerja anggota Dewan Komisaris dapat dinilai menurut faktor lainnya baik secara individual maupun kolektif, antara lain: i. Integritas, misalnya benturan kepentingan yang muncul. ii. Hubungan anggota Dewan Komisaris dengan sesama anggota Dewan Komisaris, dengan Direksi dan pihakpihak lain yang diatur dalam Anggaran Dasar dan Peraturan Perundang-undangan serta Peraturan Bank Indonesia yang berlaku.

The assessment on the performance of the Board of Commissioners is based on the following criteria: a. Attendance in the meetings of the Board of Commissioners. b. Attendance in the meetings of the Committees at the level of BOC. c. The performance of the members of the Board of Commissioners may be assessed according to other factors, both individually and collectively, among others: J *OUFHSJUZ GPSFYBNQMF DPOnJDUTPGJOUFSFTUUIBUBSJTF ii. Relationships with other members of the Board of Commissioners, Board of Directors and other parties as regulated by the Articles of Association and the applicable Laws and Bank Indonesia Regulations.

Prosedur Penilaian Hasil assessment Dewan Komisaris berdasarkan kriteriakriteria di atas disampaikan kepada pemegang saham untuk dilakukan penilaian. Hasil akhir penilaian tersebut disampaikan oleh pemegang saham melalui forum RUPST.

Assessment Procedures The results of assessment based on the above criteria shall be TVCNJUUFEUPUIFTIBSFIPMEFSTGPSBQQSBJTBM5IFmOBMSFTVMUT of the assessment shall be submitted by the shareholders through the AGM.

Disclosures regarding the assessment performed on the Board of Commissioners refers to the provisions of Bank Indonesia regulations on corporate governance and other related regulations and provisions and regulated in the Decision of the Board of Commissioners of PT Bank Jabar No. 06/DK/2007 on the Work Guidelines for the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat.

bank bjb Annual Report 2014

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KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS Hingga akhir tahun 2014, Dewan Komisaris Perseroan dibantu oleh: 1. Komite Audit 2. Komite Remunerasi dan Nominasi 3. Komite Pemantau Risiko

Up to the end of 2014, bank bjb Board of Commissioners were assisted by: 1. Audit Committee 2. Remuneration and Nomination Committee 3. Risk Monitoring Committee

Komite Audit

Audit Committee

Dalam rangka memenuhi Peraturan Bank Indonesia Nomor 8/14/2006 tentang Perubahan atas Peraturan Bank Indonesia No. 8/4/2006 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum, maka Dewan Komisaris telah membentuk Komite Audit. Komite Audit merupakan alat kelengkapan Dewan Komisaris yang berfungsi untuk melakukan pengawasan atas efektivitas sistem pengendalian intern, internal audit, proses pelaporan keuangan, sehingga Bank dapat dikelola berdasarkan prinsip-prinsip transparansi, akuntabilitas, pertangungjawaban, independensi, dan kewajaran.

In order to meet the Bank Indonesia Regulation Number 8/14/2006 on Amendments to Bank Indonesia Regulation No. 8/4/2006 on the Implementation of Good Corporate Governance for Banks, the Board of Commissioners has established an Audit Committee. Audit Committee of the Board PG $PNNJTTJPOFST BSF mUUJOHT XIPTF GVODUJPO JT UP DPOEVDU oversight of the effectiveness of internal control systems, BOE JOUFSOBM BVEJU  mOBODJBM SFQPSUJOH QSPDFTT  FOBCMJOH UIF Bank to be managed based on the principles of transparency, accountability, responsibility, independence, and fairness.

Pembentukan Komite Audit Perseroan juga berpedoman pada ketentuan sebagai berikut: a. Keputusan Menteri Negara Pendayagunaan Badan Usaha Milik Negara Nomor KEP-117/M-PBUMN/2002 tanggal 1 Agustus 2002 tentang Penerapan Praktik Good Corporate Governance pada Badan Usaha Milik Negara. b. Surat Keputusan Ketua Bapepam Nomor Kep-41/PM/2003 tanggal 22 Desember 2003 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. c. Surat Keputusan Dewan Komisaris PT. Bank Jabar Nomor: 04A/SK/DK/2007 tanggal 28 Juni 2007 tentang Pembentukan Komite dan Pedoman Kerja Komite Dewan Komisaris PT Bank Jabar. d. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Nomor: 06/SK/ DK/2012 tanggal 3 Oktober 2012 Tentang Perubahan Susunan Keanggotaan Komite pada Dewan Komisaris. e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Nomor: 001/SK/ DK/2014 tanggal 22 Januari 2014 Tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite-Komite.

The establishment of the Audit Committee of bank bjb also refers to the following provisions: a. Decree of the State Minister of State Owned Enterprises No. KEP-117/M-PBUMN/2002 dated August 1, 2002 on the Implementation of Good Corporate Governance in State Owned Enterprises. b. Decree of the Chairman of Bapepam No. Kep-41/PM/2003 dated December 22, 2003 on the Establishment and Working Guidelines for Audit Committee. c. Decision Letter from the Board of Commissioners of PT Bank Jabar No.: 04A/SK/DK/2007 dated June 28, 2007 on the Establishment of Committee and Working Guidelines for the Board of Commissioners of PT Bank Jabar. d. Decision Letter from the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk. No: 06/SK/DK/2012 dated October 3, 2012 on the Change of the Composition of the Board of Commissioners. e. Decision Letter from the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk. No.: 001/SK/DK/2013 dated January 23, 2013 on the Division of Duty and the Implementation of the Schedule of Activities for the Board of Commissioners and its Committees.

bank bjb Laporan Tahunan 2014

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Susunan Ketua dan Anggota Komite Audit

The Composition of Audit Committee Chairman and Member

Dalam periode 2014 susunan Komite Audit bank bjb adalah sebagai berikut:

In the period 2014 bank bjb Audit Committee are as follows:

No

Jabatan

Nama/Name

Position

1.

Ketua

Klemi Subiyantoro (Independent Commissioner)

2.

Anggota

Achmad Baraba (Independent Commissioner)

Member

3.

Anggota

Rudhyanto Mooduto (Independent Commissioner)

Member

4.

Anggota

Ramson Sinaga (Independent)

Member

5.

Anggota

Memed Sueb (Independent)

Member

6.

Anggota

Suwarta (Independent)

Member

Chairman

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Komite Audit Perseroan secara kolektif mempunyai kompetensi dan pengalaman di bidang Akuntansi, Keuangan, Hukum dan Perbankan.

Audit Committee collectively has the competence and FYQFSJFODF JO UIF mFME PG "DDPVOUJOH  'JOBODF  -FHBM BOE Banking.

Riwayat Hidup Singkat Anggota Komite Audit

Curriculum Vitae of Audit Committee Members

Ramson Sinaga Anggota Komite Audit Member of Audit Committee

Warga Negara Indonesia, 55 tahun. Menyelesaikan pendidikan Sarjana di bidang Ekonomi/Akuntansi dari Universitas Padjadjaran Bandung pada tahun 1986 dan Magister Management pada Sekolah Tinggi Ilmu Ekonomi IPWI pada tahun 1998. Menjabat sebagai Anggota Komite Audit bank bjb sejak tahun 2007. Jabatan lain yang pernah atau sedang dipegang antara lain yaitu Konsultan CIBA (2004-2009); Direktur Keuangan PT Reka Jaya pada tahun 2000.

Indonesian citizen, 53 years. Earned a Sarjana degree in Economics/Accounting from Universitas Padjadjaran Bandung in 1986 and a Master’s degree in Management from Sekolah Tinggi Ilmu Ekonomi IPWI in 1998. He served as a Member of the Audit Committee of bank bjb since 2007. Other positions that have or are held were Consultant at CIBA (2004-2009); Finance Director of PT Reka Jaya in 2000.

bank bjb Annual Report 2014

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KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Memed Sueb Anggota Komite Audit Member of Audit Committee

Warga Negara Indonesia, 52 tahun. Menyelesaikan pendidikan Sarjana Ekonomi Jurusan Akuntansi di STIE Tridharma tahun 1987 dan Universitas Padjadjaran tahun 1993, Magister dan Doktor pada Universitas Padjadjaran. Pernah menjabat sebagai supervisor di Kantor Akuntan Publik. Menjabat Komite Audit bank bjb periode 2007-2011 dan kembali menjadi Komite Audit bank bjb sejak Agustus 2012. Jabatan lain yang pernah atau sedang dipegang antara lain Asisten Direktur II Pasca Sarjana Universitas Padjadjaran (20092011), Direktur Konsultan Manajemen PT Mediyan Consulindo Abadi Bandung 2005 sampai sekarang.

Indonesian citizen, 52 years. Earned A Sarjana degree in Economic majoring in Accounting from STIE Tridharma and Universitas Padjadjaran, Master’s degree and PhD from Universitas Padjadjaran. Previously he served as an Auditor in Public Accounting Firm. He served as member of the Audit Committee of bank bjb in 2007-2011 and is appointed again to serve as a member of the Audit Committee of bank bjb since August 2012. Other positions that he served include Assistant Director II Graduate School of Universitas Padjadjaran (2009-2011), Director of Management Consultant PT Mediyan Consulindo Abadi, Bandung 2005 -present.

Suwarta Anggota Komite Audit Member of Audit Committee

Warga Negara Indonesia, 43 tahun. Menyelesaikan pendidikan Akuntansi di Sekolah Tinggi Akuntansi Negara, Sarjana Akuntansi di Universitas Satya Negara, Sarjana Hukum di Universitas Indonesia dan Magister dari Universitas Indonesia. Saat ini sedang menempuh Program Doktoral Manajemen Bisnis di Universitas Brawijaya. Pernah menjabat TFCBHBJ ,PNJUF "VEJU EJ ,40 4VDPmOEP4VSWFZPS *OEPOFTJB sebelum menjabat Komite Audit bank bjb sejak Agustus 2012. Jabatan lain yang pernah atau sedang dipegang antara lain Partner pada Kantor Konsultan Hukum Bisnis JMT Law House (2009-sekarang) dan Dosen Akuntansi dan Pajak pada Sekolah Tinggi Akuntansi Negara (1997-sekarang). Saat ini ia UFMBINFNJMJLJ4FSUJmLBTJ.BOBKFNFO3JTJLPMFWFM7 bank bjb Laporan Tahunan 2014

Indonesian citizen, 43 years. Earned a Sarjana degree in Accounting from Sekolah Tinggi Akuntansi Negara, Sarjana degree in Accounting from Universitas Satya Negara, Sarjana degree and Master degree in Law from Universitas Indonesia. Previously he served as a member of Audit Committee of KSO 4VDPmOEP4VSWFZPS*OEPOFTJBCFGPSFBQQPJOUJOHBTBNFNCFS of bank bjb Audit Committee since August 2012. Other positions that he served include: Partner at JMT Law House, BDPOTVMUJOHmSN QSFTFOU BOEBO"DDPVOUJOHBOE5BY Lecturer at Sekolah Tinggi Akuntansi Negara (1997-present). $VSSFOUMZIFIPMETBMFWFM73JTL.BOBHFNFOU$FSUJmDBUJPO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Periode Jabatan Anggota Komite Audit

Work Tenure of the Members of the Audit Committee

Sesuai dengan Pedoman nomor 06/DK/2007 tentang Pedoman Dewan Komisaris, masa jabatan anggota komite yang bukan merupakan anggota Dewan Komisaris, masa kerjanya ditentukan oleh Dewan Komisaris dengan tetap mengacu kepada ketentuan GCG yang berlaku.

In accordance with the Guidelines No 06/DK/2007 on the Guidelines for the Board of Commissioners, the work tenure of the committee members who are not members of the Board of Commissioners is determined by the Board of Commissioners with reference to the applicable provisions of corporate governance.

Independensi Anggota Komite Audit

Independence of the members of Audit Committee

Ketua dan anggota Komite Audit terdiri dari 3 (tiga) orang Komisaris Independen dan 3 (tiga) orang anggota Independen. Nominasi untuk calon anggota Komite Audit harus di-review oleh Komite Remunerasi dan Nominasi (KRN). Seperti telah ditetapkan oleh KRN, setiap anggota LPNJUFIBSVTCFSTJGBUJOEFQFOEFO,VBMJmLBTJQFOVHBTBOEBO fungsi dari Komite Audit harus tunduk kepada aturan yang berlaku dari Bapepam-LK, Bursa Efek Indonesia serta Bank Indonesia. Bahwa seluruh anggota Komite Audit bank bjb periode 2014 memiliki kedudukan yang independen terhadap bank bjb dan tidak memiliki hubungan dengan sesama anggota Dewan Komisaris, dengan anggota Direksi, sesama anggota Komite, maupun dengan Pemegang Saham Utama dan/atau Pengendali

The Chairman and members of the Audit Committee consist of 3 (three) Independent Commissioners and 3 (three) Independent members. Nominations of the prospective members of the Audit Committee should be reviewed by the Remuneration and Nomination Committee (RNC). As has been established by the RNC, each member of the committee TIPVMECFJOEFQFOEFOU2VBMJmDBUJPOTPGBTTJHONFOUBOEUIF functions of the Audit Committee shall be subjected to the applicable rules of Bapepam-LK, Indonesia Stock Exchange and Bank Indonesia. All members of the Audit Committee of bank bjb for the period 2014 shall be independent and should not have relations with fellow members of the Board of Commissioners, members of the Board of Directors, fellow members of the Committees, as well as the Major Shareholders and/ or Controlling Shareholders.

Tugas dan Tanggung Jawab Komite Audit

Duties and Responsibilities of the Audit Committee

Tugas komite audit adalah mendukung Dewan Komisaris sesuai dengan tanggung jawabnya.

The task of the audit committee is to support the Board of Commissioners in accordance with its responsibilities.

Tanggung jawab Komite Audit adalah: 1. Memastikan bahwa laporan keuangan Bank dapat dimengerti, transparan, dan dapat diandalkan. 2. Menilai pelaksanaan kegiatan serta hasil audit yang dilaksanakan oleh Divisi Audit Internal maupun eksternal sehinga dapat mencegah pelaksanaan dan pelaporan yang tidak memenuhi standar. 3. Melakukan evaluasi kebijakan bank bjb yang berhubungan dengan kepatuhan terhadap peraturan perundangundangan yang berlaku, etika, benturan kepentingan, dan investigasi kesalahan maupun kecurangan dan memberikan rekomendasi mengenai penyempurnaan sistem pengendalian intern Bank serta pelaksanaannya melalui Dewan Komisaris. 4. Melakukan evaluasi Rencana Kerja Divisi Audit Intern, QFMBQPSBO EBOUFNVBOZBOHTJHOJmLBO

Responsibilities of the Audit Committee are:  &OTVSF UIBU UIF #BOLT mOBODJBM TUBUFNFOUT BSF understandable, transparent, and reliable. 2. Assess the implementation of activities and the results of audit conducted by the Internal Audit Division and externally so that it can prevent inappropriate executions and reporting. 3. Evaluate the Bank’s policies related to the compliance with UIFMFHJTMBUJPOTJOGPSDF FUIJDT DPOnJDUPGJOUFSFTU BOEFSSPST and fraud investigations and make recommendations for the improvement of the Bank’s internal control system and its implementation by the Board of Commissioners. 4. Evaluate the work plan of the Internal Audit Division, SFQPSUJOH BOETJHOJmDBOUmOEJOHT

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

5. Berkomunikasi dengan Direksi dan Satuan Kerja terkait tentang status, kemajuan, dan perkembangan baru pada permasalahan operasional yang dijumpai serta temuan Divisi Audit Intern. 6. Memastikan bahwa Divisi Audit Internal dapat memiliki akses langsung kepada Komite Audit dan dapat berkomunikasi di luar rapat komite yang telah dijadwalkan. 7. Menciptakan jalur komunikasi langsung dengan Auditor Eksternal/Pengawas Bank untuk membahas rencana audit, temuan maupun laporan.

5. Communicate with the Board of Directors and related work units on the status, progress, and new developments on UIFPQFSBUJPOBMQSPCMFNTFODPVOUFSFEBOEUIFmOEJOHTPG the Internal Audit Division. 6. Ensure that the Internal Audit Division has direct access to the Audit Committee and is able to communicate outside the scheduled committee meeting. 7. Creating a direct line of communication with the External "VEJUPS#BOL4VQFSWJTPSUPEJTDVTTUIFBVEJUQMBO mOEJOHT and the report.

Komite Audit memiliki pedoman kerja yang dituangkan dalam pedoman kerja Komite yang telah disetujui oleh Dewan Komisaris. Sesuai dengan pedoman kerjanya, Komite Audit me-review laporan keuangan dan informasi keuangan lainnya untuk kepentingan para stakeholders, menelaah hasil pencapaian, efektivitas, dan obyektivitas dari seluruh proses audit internal dan eksternal, mengevaluasi kebijakan Bank yang berhubungan dengan kepatuhan terhadap peraturan dan perundang-undangan yang berlaku, dan memberikan rekomendasi penyempurnaan sistem pengendalian internal Bank.

The guidelines for the Audit Committee is outlined in the Committee’s work guidelines approved by the Board of Commissioners. In accordance with its work guidelines, the "VEJU $PNNJUUFF SFWJFXT UIF mOBODJBM TUBUFNFOUT BOE PUIFS mOBODJBMJOGPSNBUJPOGPSUIFJOUFSFTUTPGUIFTUBLFIPMEFST SFWJFXT the results of achievement, effectiveness, and objectivity of the whole process of internal and external audit, evaluate the Bank’s policy related to the compliance with applicable laws and regulations, and provide recommendations on the improvement of the Bank’s internal control system.

Sehubungan dengan tugas dan tanggung jawab tersebut di atas, Komite Audit memiliki wewenang sebagai berikut: 1. Mendapatkan informasi, melalui Dewan Komisaris, mengenai operasional Bank, data karyawan, dana, aset serta sumber daya Bank lainnya yang berkaitan dengan pelaksanaan tugasnya. 2. Bekerja sama dengan Divisi Audit Intern. 3. Memberi masukan kepada Dewan Komisaris mengenai keperluan perbaikan dalam proses audit internal, eksternal, dan laporan keuangan Bank. 4. Melakukan evaluasi deskripsi mengenai pengendalian internal/audit yang akan dipublikasikan dalam laporan keuangan dan laporan pelaksanaan penerapan GCG. 5. Melakukan kajian atas independensi dan objektivitas auditor eksternal serta merekomendasikan auditor eksternal yang akan dipilih oleh Bank untuk mengaudit laporan keuangan Bank, unit bisnis maupun anak perusahaan.

In connection with the duties and responsibilities mentioned above, the Audit Committee has the following authorities: 1. Obtain information through the Board of Commissioners on the Bank’s operations, employee data, funds, assets and other resources related to the performance of its duties. 2. Work closely with the Internal Audit Division. 3. Provide feedbacks to the Board of Commissioners regarding the purpose of the improvement in the internal BOE FYUFSOBM BVEJU QSPDFTT  BOE UIF #BOLT mOBODJBM statements. 4. Evaluate the description of the internal control/ audit that XJMMCFQVCMJTIFEJOUIFmOBODJBMTUBUFNFOUTBOEUIFSFQPSU on the implementation of GCG. 5. Review the independence and objectivity of the external auditor and recommend the external auditor to be selected CZUIF#BOLUPBVEJUUIFmOBODJBMTUBUFNFOUTPGUIF#BOL  business units or subsidiaries.

Secara garis besar, Komite Audit memberikan pendapat profesional yang independen kepada Dewan Komisaris berdasarkan hasil evaluasi dan semua risiko yang penting EJQFSUJNCBOHLBO  JEFOUJmLBTJ IBMIBM ZBOH NFNFSMVLBO

Broadly speaking, the Audit Committee provides independent professional opinion to the Board of Commissioners based on UIFSFTVMUTPGUIFFWBMVBUJPOBOEDPOTJEFSBUJPOPGBMMTJHOJmDBOU SJTLT  JEFOUJmFE NBUUFST SFMBUFE UP UIF mOBODJBM TUBUFNFOUT

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

469

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

perhatian khusus dalam bidang laporan keuangan dari Direksi dan auditor eksternal, serta ketaatan pada peraturan perundang-undangan dan pelaksanaan manajemen risiko.

requiring special attention of the Board of Directors and the external auditor, as well as adherence to the legislations and implementation of risk management.

Laporan Kegiatan Komite Audit

Report on the Activities of the Audit Committee

Komite Audit melaporkan kegiatannya kepada Dewan Komisaris, sebagai pertanggung jawaban atas pelaksanaan tugas Komite Audit. Komite Audit telah melakukan tugasnya, baik yang bersifat rutin maupun yang non-rutin.

The Audit Committee reports its activities to the Board of Commissioners, as the form of accountability in performing its tasks. The Audit Committee has performed its tasks, both routine and non-routine.

Komite Audit selama tahun 2014 telah melaksanakan tugas sesuai Piagam Komite Audit sebagai berikut: 1. Penelaahan atas informasi keuangan yang akan diterbitkan oleh Bank seperti laporan keuangan, proyeksi dan informasi keuangan lainnya. Komite Audit melakukan penelaahan dan memberikan saran-saran penyempurnaan atas draft mOBMMBQPSBOLFVBOHBOQVCMJLBTJUSJXVMBOBO,PNJUF"VEJU juga telah secara aktif melakukan diskusi dengan akuntan publik dan manajemen mengenai masalah-masalah yang perlu didiskusikan sesuai Standar Audit Seksi 380 (PSA No. 48) perihal komunikasi dengan Komite Audit. 2. Evaluasi atas efektivitas pelaksanaan audit eksternal termasuk penelaahan independensi dan objektivitas auditor eksternal serta penelaahan kecukupan pemeriksaan yang dilakukan untuk memastikan semua risiko yang penting telah dipertimbangkan. 3. Penelaahan atas ketaatan Bank terhadap perundangundangan perbankan. Pengujian dan pemantauan kepatuhan yang dilakukan oleh Bank telah diupayakan secara optimal. 4. Pemantauan dan evaluasi atas perencanaan dan pelaksanaan audit serta pemantauan atas tindak lanjut hasil audit dalam rangka menilai kecukupan proses pelaporan keuangan. Selama tahun 2014, Komite Audit telah melakukan pemantauan dan evaluasi terhadap: a. Pelaksanaan tugas Divisi Audit internal (DAI). Dari hasil evaluasi dapat disimpulkan bahwa perencanaan DAI telah dilaksanakan sesuai dengan perencanaan audit berbasis risiko, pelaksanaan audit dan pelaporan telah dilakukan sesuai dengan Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB). b. Kesesuaian pelaksanaan audit oleh kantor akuntan publik dengan standar yang berlaku. Dari hasil pemantauan dan evaluasi Komite Audit, kantor akuntan publik telah melaksanakan sesuai dengan Standar Auditing yang ditetapkan Institut Akuntan Publik Indonesia.

During 2014, the Audit Committee has performed its tasks according to the Charter of the Audit Committee as follows:  3FWJFXFEUIFmOBODJBMJOGPSNBUJPOUPCFQVCMJTIFECZUIF #BOLOBNFMZUIFmOBODJBMTUBUFNFOUT QSPKFDUJPOTBOEPUIFS mOBODJBM JOGPSNBUJPO 5IF "VEJU $PNNJUUFF DPOEVDUFE B SFWJFXBOEQSPWJEFETVHHFTUJPOTPOUIFSFmOFNFOUPGUIF mOBMESBGUPGUIFRVBSUFSMZQVCMJTIFEmOBODJBMTUBUFNFOUT The Audit Committee also actively conducted discussions with the public accountant and management on issues that need to be discussed according to the Auditing Standards Section 380 (PSA No. 48) concerning communications with the Audit Committee. 2. Evaluation of the effectiveness of the external audit included a review of the independence and objectivity of the external auditor and review of the adequacy of the examinations carried out to ensure that all risks have been adequately considered. 3. Reviewed the Bank’s adherence to the banking legislations. The Bank has strived to assess and monitor compliance optimally. 4. Monitored and evaluated the planning and audit as well as monitor the follow-up on the results of the audit in order UPBTTFTTUIFBEFRVBDZPGUIFmOBODJBMSFQPSUJOHQSPDFTT During 2014, the Audit Committee has conducted monitoring and evaluation of: a. Implementation of the tasks of the Internal Audit Division (IAD). From the results of the evaluation, it can be concluded that IAD planning was implemented in accordance with a risk-based audit planning, and the audit and reporting were carried out according to the Internal Audit Function Implementation Standards. C $POGPSNJUZ PG UIF BVEJU CZ B QVCMJD BDDPVOUJOH mSN with the applicable standards. From the results of the monitoring and evaluation of the Audit Committee, UIFQVCMJDBDDPVOUJOHmSNIBTQFSGPSNFEUIFBVEJUJO BDDPSEBODFXJUI"VEJUJOH4UBOEBSETTQFDJmFECZUIF *OEPOFTJBO*OTUJUVUFPG$FSUJmFE1VCMJD"DDPVOUBOUT

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

470

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

c. Kesesuaian laporan keuangan dengan standar yang berlaku termasuk tentang penerapan PSAK No. 50 dan No. 55. d. Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan DAI, akuntan publik dan hasil pengawasan Bank Indonesia. Selama tahun 2014 Komite Audit melakukan pertemuan-pertemuan dengan DAI dalam rangka membahas temuan dan tindak lanjut temuan DAI. Komite Audit juga menjaga jalur komunikasi langsung dengan DAI, baik yang terjadwal dalam rapat rutin maupun dil uar jadwal rapat. e. Pemberian rekomendasi mengenai penunjukan kantor akuntan publik kepada Dewan Komisaris. Untuk tahun buku 2014, Tim Pemilihan Kantor Akuntan Publik yang terdiri dari Komite Audit dan unsur manajemen telah melakukan proses pemilihan Kantor akuntan publik untuk melakukan audit atas Laporan Keuangan Konsolidasi bank bjb. Tim telah mengusulkan dan Dewan Komisaris telah menetapkan Kantor Akuntan Publik Ernst and Young sebagai Auditor Independen.

D 5IF TVJUBCJMJUZ PG UIF mOBODJBM TUBUFNFOUT XJUI UIF applicable standards, including on the application of SFAS No. 50 and No. 55. d. Implementation of the follow-up conducted by the #PBSE PG %JSFDUPST PO UIF mOEJOHT PG *"%  QVCMJD accountant and Bank Indonesia. During 2014, the Audit Committee held meetings with the IAD in order UP EJTDVTT UIF mOEJOHT BOE GPMMPXVQ PG UIF mOEJOHT of IAD. The Audit Committee also maintained direct communication with IAD, both scheduled regular meetings and meetings outside the schedule. e. Provision of the recommendations on the appointment PG B QVCMJD BDDPVOUJOH mSN UP UIF #PBSE PG $PNNJTTJPOFST 'PS UIF mTDBM ZFBS   UIF UFBN that selects the Public Accounting Firm which consists of the Audit Committee and management elements IBTTFMFDUFEBQVCMJDBDDPVOUJOHmSNUPDPOEVDUUIF BVEJUPGUIF#BOLTDPOTPMJEBUFEmOBODJBMTUBUFNFOUT Based on the recommendation of the team, the Board of Commissioners determined the public accounting mSN&SOTU:PVOHBTUIF*OEFQFOEFOU"VEJUPS

Komite Audit juga melakukan beberapa tugas lain yang diberikan oleh Dewan Komisaris, diantaranya memberikan masukan terhadap pembahasan Rencana Bisnis Bank.

The Audit Committee also performs several other duties assigned by the Board of Commissioners, including providing inputs to the discussion of the Bank’s Business Plan.

Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Anggota Komite Audit

Frequency of Meetings and the Level of Attendance of the Members of Audit Committee

Selama tahun 2014, Komite Audit telah menyelenggarakan pertemuan sebanyak 18 kali. Berikut informasi tingkat kehadiran Anggota Komite Audit dalam Rapat di tahun 2014:

During 2014, the Audit Committee held18 meetings. The following describes the level of attendance of the members of Audit Committee in the meetings held in 2014:

Tabel Kehadiran Rapat Komite Audit Table of Audit Committee Meetings Attendance Periode Januari-Desember 2014 | January-December 2014 period

Nama Name

Jabatan/ Position

Jumlah Kehadiran/ Total Attendance Periode 2014 Period

Persentase/ Percentage

Klemi Subiantoro

Ketua/Chairman

13

72,22%

Achmad Baraba

Anggota/Member

5

27,78%

Rudhyanto Mooduto

Anggota/Member

7

38,89%

Ramson Sinaga

Anggota/Member

16

88,89%

Memed Sueb

Anggota/Member

18

100%

Suwarta

Anggota/Member

11

61,11%

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

471

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Agenda Rapat Komite Audit Audit Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

8 Januari 2014 January 8, 2014

1. Finalisasi Laporan Komite Audit 2. Lain-lain

1. Finalization of the Audit Committee Report 2. Other

5 Februari 2014 February 5, 2014

1. Program Kerja Divisi Audit 2015 2. Lain-lain

1. Audit Division 2015 Work Programme 2. Other

12 Februari 2014 February 12, 2014

1. Rapat Rutin Komite Audit 2. Lain-lain

1. Routine Meeting of the Audit Committee 2. Other

19 Februari 2014 February 19, 2014

1. Pembahasan Reksadana dan Transaksi Surat Berharga 2. Lain-lain

1. Discussion of Mutual Funds and Securities Transactions 2. Other

19 Maret 2014 March 19, 2014

1. Rapat Koordinasi Dengan Divisi Audit Internal Membahas Kenaikan NPL 2. Lain-lain

1. Coordination Meeting of the Internal Audit Division Discussing the Increase in NPL 2. Other

21 Mei 2014 May 21, 2014

1. Rapat Rutin Dengan Divisi Audit Internal 2. Lain-lain

1. Routine Meeting With Internal Audit Division 2. Other

10 Juli 2014 July 10, 2014

1. Tindak lanjut Komitmen ke Otoritas Jasa Keuangan (OJK) 2. Lain-lain

1. Follow-up on Commitment to Financial Services Authority (FSA) 2. Other

14 Agustus 2014 August 14, 2014

1. Tindak lanjut Komitmen ke Otoritas Jasa Keuangan (OJK) 2. Hasil Pemeriksaan Khusus 3. Lain-lain

1. Follow-up on Commitment to Financial Services Authority (FSA) 2. Results of Special Investigation 3. Other

30 Desember 2014 December 30, 2014

1. Program Kerja Komite Audit Tahun 2015 2. Laporan Komite Audit Akhir Tahun 2015 3. Lain-lain

1. The Audit Committee 2015 Work Program 2. The Audit Committee Report End of 2015 3. Other

Remunerasi Anggota Komite Audit

Remuneration for the members of the Audit Committee

Sistem Remunerasi Komite Audit didasarkan pada hasil rekomendasi Komite Remunerasi dan Nominasi yang ditetapkan dalam Rapat Dewan Komisaris. Setiap anggota Komite yang diangkat memiliki perjanjian kerja sama masingmasing.

The Remuneration Sytem for the Audit Committee is based on the recommendation of the Remuneration and Nomination Committee set out in the Board of Commissioners’ meeting. Each member of the Committee who is appointed posses his/ her own cooperation agreement.

Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee

Komite Remunerasi dan Nominasi Perseroan dibentuk berdasarkan: a. Peraturan Bank Indonesia nomor 8/4/PBI/2006 tanggal 30 Januari 2006 tentang Good Corporate Governance. b. Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Perubahan atas Peraturan Bank Indonesia nomor 8/4/PBI/2006 tentang Good Corporate Governance. c. Surat Edaran Bank Indonesia nomor 9/12/DPNP tanggal 30 Mei 2007 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum. d. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 001/SK/

The Remuneration and Nomination Committee of the Company was formed based on: a. Bank Indonesia Regulation No. 8/4/PBI/2006 dated January 30, 2006 on Good Corporate Governance; b. Bank Indonesia Regulation No. 8/14/PBI/2006 dated October 5, 2006 on the Amendment to Bank Indonesia Regulation No. 8/4/PBI/2006 on good corporate governance; c. Bank Indonesia Circular Letter No. 9/12/DPNP dated May 30, 2007 on the Implementation of Good Corporate Governance for Commercial Banks; d. Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk No.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

472

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

DK/2014 tanggal 22 Januari 2014 Tentang Pembagian Tugas dan pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite-komite. e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 07/SK/ DK/2014 tanggal 5 November 2014 Tentang Pedoman dan Tata Tertib Kerja Komite Remunerasi dan Nominasi.

001/SK/DK/2014 dated January 22, 2014 on the Division of Tasks and the Activities of the Board of Commissioners and the Committees e. Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk No. 07/SK/DK/2014 dated November 5, 2014 on the Work Guidelines and Rules of the Remuneration and Nomination Committee.

Susunan Ketua dan Anggota Komite Remunerasi dan Nominasi

The composition of the Chairman and Members of the Remuneration and Nomination Committee

Berdasarkan Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 01/SK/DK/2014 tanggal 22 Januari 2014 Tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta komite-komite.

Based on the Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk No. 01/SK/DK/2014 dated January 22, 2014 on the Division of Tasks and the Activities of the Board of Commissioners and the Committees.

Dalam periode 2014 susunan Komite Remunerasi dan Nominasi Perseroan adalah sebagai berikut:

In 2014 the composition of the Remuneration and Nomination Committee of the Company was as follows: Nama/Name

Position

No

Jabatan

1.

Ketua

Yayat Sutaryat (Komisaris Independen/Independent Commissioner)

2.

Anggota

Muhadi (Komisaris/Commissioner)

Member

3.

Anggota

Klemi Subiyantoro (Komisaris Independen/Independent Commissioner)

Member

4.

Anggota

Rudhyanto Mooduto (Komisaris Independen/Independent Commissioner)

Member

5.

Anggota

1FNJNQJO%JWJTJ4%. &Y0GmDJP )FBEPG%JWJTJPO)VNBO$BQJUBM &Y0GmDJP

Member

Riwayat Hidup Singkat Anggota Komite Remunerasi dan Nominasi Khusus bagi anggota diluar Komisaris

Chairman

Curriculum Vitae of Non-Commissioner Members of the Remuneration and Nomination Committee

Neneng Hayati Pemimpin Divisi SDM )FBEPG)VNBO$BQJUBM0GmDFS

Nama Jabatan Karir di Perseroan

: : :

Neneng Hayati Pemimpin Divisi SDM Bekerja di Perseroan sejak 1991

Name Position Career in the Company

bank bjb Laporan Tahunan 2014

: Neneng Hayati : Head of Human Resources Division : Joint with the Company Since 1991

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

473

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Pendidikan Dasar Hukum Penunjukkan

:

S1 STIE INABA Bandung Tahun 2003

:

SK Direksi bank bjb No. 0544/ SK/DIR-SDM/2012 tanggal 21 September 2012 - Refreshment Manajemen Risiko - Workshop Generation Y in The Workplace

Pelatihan /sertifkasi :

Education 2003 Legal Based on

5SBJOJOH4FSUUJmDBUJPO

: S1 STIE INABA Bandung Tahun : SK Directors bank bjb No.0544/ SK/DIR-HR / 2012 dated 21 September 2012 3FGSFTINFOU.BOBKFNFO3JTJLP - Workshop Generation Y in The Workplace

Periode Jabatan Anggota Komite Remunerasi dan Nominasi

Work Tenure of the Members of the Remuneration and Nomination Committee

Sesuai dengan Pedoman nomor 06/DK/2007 tentang Pedoman Dewan Komisaris, masa jabatan anggota komite yang bukan merupakan anggota Dewan Komisaris, masa kerjanya ditentukan oleh Dewan Komisaris dengan tetap mengacu kepada ketentuan GCG yang berlaku.

In accordance with the Work Guidelines No. 06/DK/2007 on the Guidelines for the Board of Commissioners, the tenure of the committee members who are not members of the Board of Commissioners is determined by the Board of Commissioners with reference to the applicable provisions of corporate governance.

Independensi Komite Remunerasi dan Nominasi

Independence of the Remuneration and Nomination Committee

Anggota Komite Remunerasi dan Nominasi sebanyak 5 (lima) orang terdiri dari 3 (tiga) orang Komisaris Independen, 1 (dua) orang komisaris, 1 (satu) orang pejabat FYPGmDJP dari Pemimpin Divisi SDM. Seluruh Anggota Komite Remunerasi dan Nominasi tidak memiliki hubungan dengan anggota Dewan Komisaris, dengan anggota Direksi, dengan sesama anggota Komite maupun dengan Pemegang Saham Utama dan/atau Pengendali.

The Remuneration and Nomination Committee consists of 5 mWF NFNCFSTXJUI UISFF *OEFQFOEFOU$PNNJTTJPOFST  POF  DPNNJTTJPOFS   POF  FY PGmDJP PGmDFS PG UIF )FBE PG HR Division. All Members of the Remuneration and Nomination Committee shall not have relationships with members of the Board of Commissioners, members of the Board of Directors, with fellow members of the Committee and with the Major and/ or Controlling Shareholders.

Tugas dan Tanggung Jawab Komite Remunerasi dan Nominasi

Duties and Responsibilities of the Remuneration and Nomination Committee

Sesuai dengan Surat Keputusan Dewan Komisaris nomor 7/ SK/DK/2014 tanggal 5 November 2015 tentang Pedoman dan tata Tertib Kerja Komite Remunerasi dan Nominasi, tugas dan tanggung jawab KRN adalah: a. Terkait dengan Remunerasi: 1. Mengevaluasi kebijakan remunerasi yang berlaku pada Bank 2. Mempelajari ketentuan dan peraturan perundangundangan yang berlaku dalam kebijakan remunerasi, penetapan fasilitas dan tunjangan lainnya. 3. Memberikan rekomendasi kepada Dewan Komisaris mengenai: a. Kebijakan remunerasi berupa gaji, fasilitas dan tunjangan lainnya bagi Dewan Komisaris dan Direksi untuk disampaikan kepada RUPS.

In accordance with the Decree of the Board of Commissioners No. 7/SK/DK/ 2014 dated November 5, 2015 on the work guidelines and rules of the Remuneration and Nomination Committee, the duties and responsibilities are: a. Related to Remuneration: 1. Evaluate the remuneration policy applicable to the Bank 2. Understand the applicable rules and regulations on the remuneration policy and the determination of GBDJMJUJFTBOEPUIFSCFOFmUT 3. Provide recommendations to the Board of Commissioners on: a. The policy on remuneration in the form of salaries, GBDJMJUJFT BOE PUIFS CFOFmUT GPS UIF #PBSE PG Commissioners and Board of Directors to be submitted to the GMS.

bank bjb Annual Report 2014

474

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

b. Kebijakan remunerasi bagi pejabat eksekutif dan pegawai secara keseluruhan untuk disampaikan kepada Direksi melalui Dewan Komisaris. 4. Rekomendasi sebagaimana dimaksud dalam angka 3 disampaikan dengan memperhatikan: a. kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundangundangan yang berlaku; b. prestasi kerja individual; c. kewajaran dengan peer group; d. pertimbangan sasaran dan strategi jangka panjang Bank. 5. Memberikan rekomendasi kepada Dewan Komisaris atas kebijakan sumber daya manusia Bank untuk disampaikan kepada Direksi. b. Terkait Nominasi 1. Menyusun dan memberikan rekomendasi mengenai sistem dan prosedur pemilihan dan/atau penggantian anggota Pengurus kepada Dewan Komisaris untuk disampaikan kepada RUPS. 2. Memberikan rekomendasi nama-nama calon anggota Pengurus kepada Dewan Komisaris untuk disampaikan kepada RUPS setelah melalui proses asesmen. 3. Memberikan rekomendasi mengenai Pihak Independen yang akan menjadi calon anggota Komite Audit dan Komite Pemantau Risiko kepada Dewan Komisaris.

C 5IF SFNVOFSBUJPO QPMJDZ GPS FYFDVUJWF PGmDFST and employees to be submitted to the Board of Directors through the Board of Commissioners. 4. Recommendations referred in item 3 are submitted with the following considersation: B mOBODJBM QFSGPSNBODF BOE SFTFSWFT BT TUJQVMBUFE in the legislations in force; b. individual work performance; c. reasonableness of the peer group; d. Consideration of the long-term goals and strategies of the Bank. 5. Provide recommendations to the Board of Commissioners on human resource policies to be submitted to the Board of Directors of the Bank. b. Related to Nomination 1. Develop and provide recommendations on the system and procedures of selection and/ or replacement of the members of the Board to the Board of Commissioners to be submitted to the GMS. 2. Provide recommendations on the names of the candidates to the Board of Commissioners to be submitted to the AGM after going through the assessment process. 3. Provide recommendations on the independent party who will be member of the Audit Committee and Risk Monitoring Committee to the Board of Commissioners.

Laporan Pelaksanaan Kegiatan Komite Remunerasi dan Nominasi

Report on the Activities of the Remuneration and Nomination Committee

Dalam rapat sepanjang tahun 2014, Komite Remunerasi dan Nominasi telah melakukan pembahasan terhadap hal-hal sebagai berikut: 1. Terkait dengan kebijakan remunerasi - Melakukan evaluasi terhadap kebijakan remunerasi: • Dokumentasi ketentuan dan peraturan perundang - undangan, kebijakan perusahaan yang berlaku dalam kebijakan remunerasi, penetapan fasilitas dan tunjangan lainnya. • Melakukan pemantauan sistem remunerasi yang sedang berlaku di pasar Bank BUMN/BUMD, Bank Swasta Nasional maupun asing. - Melakukan pembahasan terhadap kebijakan remunerasi yang sedang berjalan di Perseroan. • Remunerasi Pengurus: Membahas kebijakan remunerasi pengurus yang sedang berjalan di Bank dan merekomendasikan kepada Dewan Komisaris.

In the meetings conducted throughout 2014, the Remuneration and Nomination Committee held discussions on the following matters: 1. Related to the remuneration policy - Evaluate the remuneration policy: • Documentation of the rules and laws, company policies applicable to the remuneration policy, the FTUBCMJTINFOUPGGBDJMJUJFTBOEPUIFSCFOFmUT • Monitor the remuneration system in force in the state-owned and regional-owned banks market / enterprises, national and foreign private banks. - Conduct discussions on the remuneration policies currently applicable in the Company. • Remuneration for the Management: Discuss the remuneration policy for the management currently applicable in the Bank and provide recommendations to the Board of Commissioners.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

475

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

•

Remunerasi Pegawai: Evaluasi kebijakan remunerasi bagi pejabat eksekutif dan pegawai secara keseluruhan. 2. Terkait dengan kebijakan nominasi: - Pembahasan mengenai pedoman/sistem serta prosedur pemilihan dan atau penggantian Pengurus. - Membahas penjaringan serta rekomendasi calon anggota Pengurus. - Membahas rekomendasi anggota komite dari pihak independen. • Membahas rekomendasi anggota komite dari pihak independen. • Pembahasan nominasi anggota komite. 3. Terkait dengan Pedoman dan Tata Tertib kerja dan laporan. - Pedoman Kerja. - Program Kerja. - Laporan Kegiatan. 4. Kegiatan Lainnya yang masih dalam ruang lingkup KRN.

Remuneration for the Employees: Evaluate the remuneration policy for executive PGmDFSTBOEUIFFNQMPZFFT 2. Related to the nominations policy: ¦ %JTDVTT UIF HVJEFMJOFT TZTUFN BOE TFMFDUJPO BOE PS replacement procedures of the Management. ¦ %JTDVTTUIFTFMFDUJPOBOESFDPNNFOEBUJPOTSFMBUFEUP prospective members of the Management. ¦ %JTDVTTUIFSFDPNNFOEBUJPOTPGUIFNFNCFSTPGUIF committee from the independent party. • Discuss the recommendations of the members of the committee from the independent party. • Discuss the nomination of committee members. 3. Related to the Work Guidelines and Rules as well as the reports. - Guidelines for Employment. - Work Program. - Activity Report. 4. Other activities within the scope of the NRC.

Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Anggota Komite Remunerasi dan Nominasi

Frequency of Meetings and the level of Attendance of the Members of the Remuneration and Nomination Committee

Selama tahun 2014, Komite Remunerasi dan Nominasi telah menyelenggarakan pertemuan sebanyak 34 kali. Berikut informasi tingkat kehadiran Anggota Komite Remunerasi dan Nominasi dalam rapat di tahun 2014:

•

During 2014, the Remuneration and Nomination Committee held 34 meetings. The following describes the attendance rate of the members of the Remuneration and Nomination Committee in the meetings held in 2014:

Tabel Kehadiran Rapat Komite Remunerasi dan Nominasi Table of Remuneration and Nomination Committee Meetings Attendance Periode Januari-Desember 2014 | Period of January-December 2014

Nama Name

Jumlah Kehadiran Total Attendance Periode 2014 | Period

Presentase Presentage

Yayat Sutaryat

32

94,12%

Muhadi

12

35,29%

Klemi Subiantoro

15

44,12%

Rudhyanto Mooduto

28

82,35%

Neneng Hayati

24

70,59%

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

476

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Agenda Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

8 Januari 2014 January 8, 2014

1. Pembahasan Surat Divisi Corporate Secretary Nomor 3996/CS-SEKR/2013 tanggal 30 Desember 2013 perihal Laporan Remunerasi bagi Anggota Direksi dan Dewan Komisaris. 2. Pembahasan Surat Divisi Corporate Secretary Nomor 08/CS-SEKR/2014 tanggal 02 Januari 2014 perihal Permohonan Rekomendasi. 3. Lain-lain.

1. Discussion on the Division of Corporate Secretary Letter No. 3996/CS-SEKR/2013 dated December 30, 2013 concerning The Report on the Remuneration for members of the Board of Directors and Board of Commissioners. 2. Discussion on the Division of Corporate Secretary Letter No. 08/CS-SEKR/2014 dated January 2, 2014 concerning the Application Recommendation. 3. Other.

16 Januari 2014 January 16, 2014

1. Finalisasi Laporan Realisasi Program Kerja Komite Remunerasi dan Nominasi Tahun 2013. 2. Pembahasan Surat Kantor Hukum Natadikusumah & Partners Nomor 09/BMA-NKH/14 tanggal 08 Januari 2014 Perihal Pemberitahuan status Hukum Sdr. Bambang Mulyo Atmodjo dalam Perkara Tata Usaha Negara terhadap Keputusan Gubernur Bank Indonesia Nomor 13/122/GBI/DPIP/Rahasia, tanggal 24 November 2011. 3. Pembahasan Surat Sdr. Memed Sueb (Anggota Komite Audit) Tanggal 2 Januari 2014. 4. Lain-lain.

1. Finalizing the Report on the Realization of Remuneration and Nomination Committee Work Program in 2013. 2. Discussing the Letter from Natadikusumah & 1BSUOFST-BX0GmDF/P#."/,)EBUFE January 8, 2014 Regarding the Notice of Legal Status of Mr. Bambang Mulyo Atmodjo in the Case of State Administration against the Decreee from the Governor of Bank Indonesia Number 13/122/GBI/ DPIP/Rahasia, November 24, 2011. 3. Discussing Letter from Mr. Memed Sueb (Audit Committee Member) dated January 2, 2014. 4. Others.

29 Januari 2014 January 29, 2014

1. Pembahasan Surat-surat Masuk dari Pemegang saham untuk menjadi bahan laporan ke Dewan Komisaris. 2. Lain-lain.

1. Discussing Letters from shareholders to be included in the report of the Board of Commissioners. 2. Other.

5 Februari 2014 February 5, 2014

1. Laporan dan Evaluasi Kegiatan KRN bulan Januari 2014. 2. Assessment administrasi oleh KRN terhadap calon pengurus yang diusulkan oleh pemegang saham. 3. Update data time schedule pengisian pengurus. 4. Lain-lain.

1. Report and Evaluation on KRN activities in January 2014. 2. Assessment on the administration of KRN against board candidates proposed by shareholders. 6QEBUFEBUBUJNFTDIFEVMFGPSmMMJOHJOUIF.BOBHFS 4. Others.

18 Februari 2014 February 18, 2014

1. Evaluasi kebijakan Remunerasi Pengurus bank bjb. 2. Lain-lain.

1. Evaluation on the Board Remuneration policy of bank bjb. 2. Other.

26 Februari 2014 February 26, 2014

1. Evaluasi Kebijakan Gaji Pegawai bank bjb 2. Lain-lain

1. Evaluation of Employee Salary Policy of bank bjb 2. Other

27 Februari 2014 February 27, 2014

1. Pembahasan surat OJK Nomor S-44/KR.212/2014 tanggal 26 Februari 2014 Perihal undangan. 2. Lain-lain.

1. Discussion on the FSA letter No. S-44/KR.212/2014 dated February 26, 2014 regarding the invitation. 2. Others.

4 Maret 2014 March 4, 2014

1. Evaluasi dan menyusun laporan kegiatan komite Remunerasi dan Nominasi bulan Februari 2014. 2. Pembahasan laporan hasil evaluasi kebijakan remunerasi pengurus dan pegawai. 3. Pembahasan laporan hasil rapat dengan OJK Bandung tanggal 28 Februari 2014. 4. Lain-lain.

1. Evaluate and prepare the report of activities of the Remuneration and Nomination Committee in February 2014. 2. Discussion on the report on the evaluation on the board and employee remuneration policy. 3. Discussion on the report of the meeting with FSA Bandung on February 28, 2014. 4. Others.

18 Maret 2014 March 18, 2014

1. Pembahasan surat OJK nomor SR-1/PB.1/2014 tanggal 6 Maret 2014 2. Lain-lainnya.

1. Discussion of the FSA letter number SR-1/PB.1/2014 dated March 6, 2014 2. Others.

24 Maret 2014 March 24, 2014

1. Tindaklanjut Notulen rapat Dewan Komisaris tanggal 7 Maret 2014 dengan Agenda Pembahasan Laporan KRN kepada Dewan Komisaris mengenai Remunerasi Pengurus dan Pegawai. 2. Lain-lain.

1. Follow up minutes of meeting of the Board of Commissioners on March 7, 2014 with the Agenda Discussing KRN report to the Board of Commissioners on the Board Remuneration and Employee. 2. Other.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

477

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Agenda Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

2 April 2014 April 2, 2014

1. Tindak lanjut Hasil Pembahasan Remunerasi Pejabat Eksekutif dan Pegawai bank bjb. 2. Lain-lain.

1. Follow-up on Results of the Discussion on 3FNVOFSBUJPOGPSUIF&YFDVUJWF0GmDJBMTBOE Employees of bank bjb. 2. Others.

10 April 2014 April 10, 2014

1. Evaluasi kegiatan Komite Remunerasi dan Nominasi Bulan Maret 2014. 2. Laporan evaluasi kegiatan Komite Remunerasi dan Nominasi Triwulan I tahun 2014. 3. Lain-lain.

1. Evaluation on the activities of the Remuneration and Nomination Committee in March, 2014. 2. The evaluation on the report of the activities of the Remuneration and Nomination Committee in the First Quarter 2014. 3. Other.

15 April 2014 April 15, 2014

Pembahasan Kekurangan berkas pengajuanmUBOE proper test calon pengurus bank bjb.

%JTDVTTJPOPOUIFMBDLPGmMFTTVCNJUUFEGPSmUBOE proper test of the candidates of bank bjbPGmDJBMT

16 April 2014 April 16, 2014

1. Pembahasan hasil rapat antaran OJK dan bank bjb yang dihadiri oleh salah satu anggota KRN. 2. Lain-lain.

1. Discussion on the results of the meeting between FSA and bank bjb attended by one member of the NPC. 2. Other.

2 Mei 2014 May 2, 2014

1. Pembahasan Pedoman Calon Pengurus. 2. Lain-lain.

1. Discussion on the Guidelines for Candidate Manager. 2. Other.

7 Mei 2014 May 7, 2014

1. Pembahasan hasil rapat dengan OJK tanggal 07 Mei 2014. 2. Lain-lain.

1. Discussion on the results of the meeting with the FSA on May 7, 2014. 2. Other.

14 Mei 2014 May 14, 2014

1. Evaluasi dan Laporan Kegiatan KRN bulan April 2014. 2. Pembahasan Perubahan/penyempurnaan Pedoman Calon Pengurus. 3. Lain-lainnya.

1. Evaluation and KRN Activity Report in April 2014. 2. Discussion on changes / improvements of the Guidelines for Candidate Manager. 3. Other.

20 Mei 2014 May 20, 2014

1. Pembahasan perubahan/penyempurnaan Pedoman Pengisian Calon Pengurus. 2. Lain-lain.

1. Discussion of changes/improvements Charging Guidelines for Candidate Manager. 2. Other.

3 Juni 2014 June 3, 2014

1. Pembahasan perubahan/penyempurnaan Pedoman Pengisian Calon Pengurus. 2. Lain-lain.

1. Discussion on changes/improvements of Guidelines for Candidate Manager. 2. Other.

16 Juni 2014 June 16, 2014

1. Evaluasi Kegiatan Komite Remunerasi dan Nominasi bulan Mei 2014. 2. Lain-lain.

1. Evaluation on the activities of the Remuneration and Nomination Committee in May 2014. 2. Other.

24 Juni 2014 June 24, 2014

1. Pembahasan surat OJK nomor SR-4/PB.1/2014 2. Lain-lain.

1. Discussion on the FSA letter number SR-4/PB.1/2014 2. Other.

30 Juni 2014 June 30, 2014

1. Persiapan RUPS LB bank bjb tahun 2014. 2. Lain-lainnya.

1. Preparation of EO-GMS of bank bjb 2014. 2. Other.

2 Juli 2014 July 2, 2014

1. Pembahasan penjadwalan dan pengisian calon pengurus. 2. Lain-lain.

%JTDVTTJPOPGTDIFEVMJOHBOEmMMJOHPGDBOEJEBUF managers. 2. Others.

3 Juli 2014 July 3, 2014

1. Pembahasan perubahan dan penyempurnaan pedoman pengisian calon pengurus. 2. Lain-lainnya.

1. Discussion on the changes and improvements of guidelines for board candidates. 2. The others.

14 Juli 2014 July 14, 2014

1. Evaluasi kegiatan KOmite Remunerasi dan Nominasi Bulan Juni 2014. 2. Laporan Evaluasi Kegiatan Komite Remunerasi dan Nominasi Triwulan II tahun 2014. 3. Lain-lain.

1. Evaluation on the activities of the Remuneration and Nomination Committee in June, 2014. 2. Evaluation on the Activity Report of the Remuneration and Nomination Committee in the second quarter of 2014. 3. Other more.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

478

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Agenda Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

5 Agustus 2014 August 5, 2014

1. Persiapan Pelaporan Pedoman Pengisian Pengurus sesuai dengan SK Dewan Komisaris Nomor 005/ SK/DK/2-14 tanggal 10 Juli 2014 Tentang Pedoman Penerimaan Calon Pengurus 2. Revisi Penjadwalan 3. Proses Assesment dan Hasil Sementara dari calon yang telah masuk. 4. Lain-lain.

1. Preparation of the Reporting the Guidelines for Filling the Management in accordance with the Decree of the BOC No. 005/SK/DK/2-14 dated July 10, 2014 on Guidelines for Acceptance of Candidate Manager 2. Revised Scheduling 3. Assessment on the Process and Temporary Results from the candidates. 4. Others.

14 Agustus 2014 August 14, 2014

1. Seleksi administrasi Berkas Calon DIreksi Oleh KRN. 2. Lain-Lain.

4FMFDUJPOPOUIFBENJOJTUSBUJPOPGUIFmMFTPGUIF Candidates for Directors by KRN. 2. Other.

26 Agustus 2014 August 26, 2014

1. Assessment Calon Komisaris oleh KRN. 2. Lain-lain.

1. Assessment on the Candidate Commissioners By KRN. 2. Other.

28 Agustus 2014 August 28, 2014

1. Pembahasan hasil assessment calon Direksi bank bjb untuk disampaikan pada rapat Dewan Komisaris. 2. Lain-lain.

1. Discussion of Candidates for the Board of Directors of banks bjb assessment to be submitted to the meeting of the Board of Commissioners. 2. Other.

7 Oktober 2014 October 7, 2014

1. Pembahasan surat OJK perihal penerapan GCG. 2. Pembahasan Surat sekar bank bjb perihal calon pengurus. 3. Lain-lain

1. Discussion on the FSA letter regarding the implementation of GCG. 2. Discussion on the Letter from Sekar bank bjb concerning candidates for the managers. 3. Other

21 Oktober 2014 October 21, 2014

1. Penyempurnaan Notulen Komite Remunerasi dan Nominasi (KRN) Tanggal 22 September 2014 Terkait Kuorum Kehadiran Anggota KRN. 2. Lain-lain.

1 Completion of the Minutes of the Remuneration and Nomination Committee (KRN) On 22 September 2014 Member Attendance Quorum Related KRN. 2. Other.

5 November 2014 November 5, 2014

1. Pembahasn Finalisasi Pedoman Komite Remunerasi dan Nominasi bank bjb. 2. Lain-lain.

1. Finalization on the Guidelines for Remuneration and Nomination Committee of bank bjb. 2. Other.

18 November 2014 November 18, 2014

1. Pemaparan Divisi SDM mengenai proses pengenaan sanksi dan Pedoman TPPMK bank bjb. 2. Lain-lain.

1. Exposure of the Human Resources Division regarding the imposition of sanctions and Guidelines of process TPPMK of bank bjb. 2. Other.

8 Desember 2014 December 8, 2014

1. Pembahasan draft laporan dan rekomendasi KRN untuk disampaikan pada RUPS LB. 2. Lain-lain.

1. Discussion of the draft of KRN report and recommendations to be submitted to the EO GMS. 2. Other.

22 Desember 2014 December 22, 2014

1. Penyusunan Program Kerja KRN tahun 2015. 2. Lain-lain.

1. Preparation of KRN 2015 Work Programme. 2. Other.

Remunerasi Anggota Komite Remunerasi dan Nominasi Sistem Remunerasi Komite Remunerasi dan Nominasi didasarkan pada hasil rekomendasi Komite Remunerasi dan Nominasi yang ditetapkan dalam Rapat Dewan Komisaris. Setiap anggota Komite yang diangkat memiliki perjanjian kerja sama masing-masing.

Remuneration for the Members of the Remuneration and Nomination Committee The remuneration system for the Remuneration and Nomination Committee is based on the recommendation of the Remuneration and Nomination Committee set out in the Board of Commissioners’ meeting. Each member of the Committee who is appointed posses his/ her own cooperation agreement.

Komite Pemantau Risiko

Risk Monitoring Committee

Komite Pemantau Risiko (KPR) bank bjb merupakan salah satu komite yang dibentuk Dewan Komisaris Bank dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung

The Risk Monitoring Committee (RMC) of bank bjb is one of the committees that was established by the Board of Commissioners in order to support effective implementation of

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

479

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

jawabnya, sebagaimana dimaksud dalam Peraturan Bank Indonesia nomor 8/4/PBI/2006 tentang pelaksanaan Good Corporate Governance bagi Bank Umum.

its tasks and responsibilities, as stipulated in Bank Indonesia Regulation No. 8/4/PBI/2006 on the implementation of Good Corporate Governance for Commercial Banks.

KPR bank bjb untuk periode tahun 2014 dibentuk berdasarkan: a. Peraturan Bank Indonesia nomor 8/4/PBI/2006 tanggal 30 Januari 2006 tentang Good Corporate Governance; b. Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Perubahan atas Peraturan Bank Indonesia nomor 8/4/PBI/2006 tentang Good Corporate Governance; c. Surat Edaran Bank Indonesia nomor 9/12/DPNP tanggal 30 Mei 2007 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum; d. Surat Keputusan Dewan komisaris PT Bank Jabar Nomor 04A/SK/DK/2007, tanggal 28 Juni 2007, Tentang Pembentukan Komite dan Pedoman Kerja Komite Dewan Komisaris, e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 001/SK/ DK/2014 tanggal 22 Januari 2014 Tentang Pembagian Tugas dan pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite-komite.

bank bjb’s RMC for the period of 2014 bjb was established based on: a. Bank Indonesia Regulation No. 8/4/PBI/2006 dated January 30, 2006 on Good Corporate Governance; b. Bank Indonesia Regulation No. 8/14/PBI/2006 dated October 5, 2006 on the Amendment to Bank Indonesia Regulation No. 8/4/PBI/2006 on Good Corporate Governance; c. Bank Indonesia Circular Letter No. 9/12/DPNP dated May 30, 2007 on the Implementation of Good Corporate Governance for Commercial Banks; d. Decree of the Board of Commissioners of PT Bank Jabar No. 04A/SK/DK/2007 dated June 28, 2007, on the Establishment of Committees and the Work Guidelines of the Committees under the Board of Commissioners, e. Decree of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat, Tbk No. 001/SK/ DK/2014 dated January 22, 2014 on the Division of Tasks and the activites of Board of Commissioners and the committees.

Susunan Ketua dan Anggota Komite Pemantau Risiko The Composition of the Chairman and Members of the Risk Monitoring Committee No

Jabatan

1.

Ketua

Position

Nama/Name

Chairman

Achmad Baraba (Komisaris Independen/Independent Commissioner)

2.

Anggota

Yayat Sutaryat (Komisaris Independen/Independent Commissioner)

Member

3.

Anggota

Rudhyanto Mooduto (Komisaris Independen/Independent Commissioner)

Member

4.

Anggota

Nury Effendi (Independent)

Member

5.

Anggota

Tettet Fatjriyanti (Independent)

Member

Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting 7 Januari 2014 January 7, 2014

Agenda

Agenda

- Rapat Rutin Komite Pemantau Risiko

- Routine Risk Oversight Committee Meeting

18 Januari 2014 January 18, 2014

- Finalisasi program Kerja Komite Pemantau Risiko Tahun 2014. - Pembahasan Laporan realisasi Program Kerja Komite Pemantau Risiko Tahun 2013. - Lain-lain.

- Finalization of the Risk Oversight Committee 2014 Work Program. - Discussion on the realization of the Work Program Report of the Risk Oversight Committee in 2013. - Etc.

21 Januari 2014 January 21, 2014

- Persiapan Evaluasi Kecukupan Penerapan Manajemen Risiko oleh Komite Pemantau Risiko - Lain-lain.

- Preparation on the Evaluation of the Adequacy of Risk Management by Risk Monitoring Committee - Etc.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

480

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

28 Januari 2014 January 28, 2014

- Finalisasi Laporan KPR Tahun 2013 - Pembahasan Reformat Kertas Kerja Kegiatan Evaluasi Kebijakan/Penerapan Manajemen Risiko di bank bjb - Lain-lain

- Finalization of mortgage Reports Year 2013 - Discussion on the reformat of Working Paper of the Evaluation Activity on the Policy / Implementation of Risk Management in bank bjb - Etc

4 Februari 2014 February 4, 2014

 "OBMJTB1SPmM3JTJLP5SJXVMBO*75BIVO - Progress Kertas Kerja Evaluasi Struktur Organisasi - Progress Kertas Kerja Evaluasi Kebijakan Manajemen Risiko yang Mencakup Risk Philosphy, Risk Appetite, Risk Limit dan Risk Tolerance. - Lain-lain.

 3JTL1SPmMF"OBMZTJTGPS'PVSUI2VBSUFSPG - Progress Evaluation Working Paper of the Organizational Structure - Progress Evaluation Working Paper of the Risk Management Policy that Covers Risk Philosophy, Risk Appetite, Risk Limit and Risk Tolerance. - Others.

11 Februari 2014 February 11, 2014

 2VJDL0WFSWJFXPG3JTL1SPmMF2 - Progress Report Risk Assessment

 2VJDL0WFSWJFXPG3JTL1SPmMF2 - Progress Report Risk Assessment

18 Februari 2014 February 18, 2014

 1FNCBIBTBO3JTL1SPmMFCBOLbjb Triwulan IV 2013 - Lain-lainnya.

 %JTDVTTJPOPG3JTL1SPmMFPGCBOLbjb in Fourth Quarter of 2013 - Others.

25 Februari 2014 February 25, 2014

- Pembahasan Liquidity Stress Test - Pembahasan RCCR TW IV 2013

- Discussion of Liquidity Stress Test - Discussion of RCCR Q IV 2013

4 Maret 2014 March 4, 2014

- Pembahasan Buletin Weekly News Review. - Pembahasan RCCR TW IV 2013. - Lain-lain.

- Discussion of Bulletin Weekly News Review. - Discussion of RCCR Q IV in 2013. - Other.

13 Maret 2014 March 13, 2014

- Pembahasan Progress Evaluasi Kebijakan Manajemen Risiko. - Pembahasan Buletin Weekly News Review. - Lain-lainnya.

- Discussion on the Progress of the Evaluation of Risk Management Policy. - Discussion Bulletin Weekly News Review. - Others.

19 Maret 2014 March 19, 2014

- Progress Report Evaluasi Kebijakan Manajemen Risiko - Pembahasan Laporan Market and Liquidity Risk - Lain-lain.

- Progress Report on the Evaluation of Risk Management Policy - Discussion on Market and Liquidity Risk Reports - Others.

1 April 2014 April 1, 2014

- Buletin Weekly News review - Lain-lain.

- Bulletin Weekly News review - Others.

10 April 2014 April 10, 2014

- Progress Report Evaluasi Penerapan Kebijakan Manajemen Risiko. - Lain-lain.

- Progress Report on the Evaluation of Implementation of Risk Management Policy. - Others.

15 April 2014 April 15, 2014

- Progress Report Evaluasi Penerapan Kebijakan Manajemen Risiko. - Lain-lain.

- Progress Report on the Evaluation of Implementation of Risk Management Policy. - Others.

29 April 2014 April 29, 2014

- Finalisasi Laporan Evaluasi Penerapan Kebijakan Manajemen Risiko. - Lain-lain.

- Finalization of Report on the Evaluation of the Implementation of Risk Management Policy. - Others.

12 Juni 2014 June 12, 2014

- Penerapan Hasil Evaluasi Kebijakan Manajemen Risiko bank bjb oleh Komite Pemantau Risiko. - Lain-lain.

- Application of Risk Management Policy Evaluation Results in bank bjb by the Risk Oversight Committee. - Others.

24 Juni 2014 June 24, 2014

- Finalisasi Laporan Evaluasi Kebijakan Manajemen Risiko bank bjb. - Lain-lainnya.

- Finalization of Report on the Evaluation of Risk Management Policy of bank bjb. - Others.

5 Agustus 2014 August 5, 2014

 1FNCBIBTBO1FOEBIVMVBO-BQPSBO3JTL1SPmMF Triwulan I dan II Tahun 2014. - Lain-lain.

 %JTDVTTJPOPOUIF*OUSPEVDUJPOPG3JTL1SPmMF3FQPSUT for the Q I and II 2014. - Others.

10 Agustus 2014 August 10, 2014

 1FNCBIBTBO-BQPSBO3JTL1SPmMF5SJXVMBO*EBO** Tahun 2014. - Lain-lain.

 %JTDVTTJPOPG3JTL1SPmMF3FQPSUT2VBSUFS*BOE** 2014. - Others.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

481

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings Agenda Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

12 Agustus 2014 August 12, 2014

- Pembahasan Pendahuluan Laporan 3JTL1SPmMF Triwulan I dan II Tahun 2014. - Lain-lainnya.

 %JTDVTTJPO*OUSPEVDUJPOPG3JTL1SPmMF2*BOE** 2014. - Others.

19 Agustus 2014 August 19, 2014

 1FNCBIBTBO1SPmM3JTJLP,SFEJUEBO3$$3CBOL bjb. - Lain-lain.

 %JTDVTTJPOPG3JTL1SPmMF$SFEJUBOE3$$3PGCBOL bjb. - Others.

26 Agustus 2014 August 26, 2014

- Presentasi SOP Hapus Buku dan Hapus Tagih Kredit Oleh Divisi PPK. - Lain-lain.

- Presentation of SOP for Writte Off and Haircut of Credit By PPK Division. - Others.

30 September 2014 September 30, 2014

- Pembahasan Kebijakan Hapus Buku dan Hapus Tagih bank bjb. - Pembahasan Laporan Analisa Portofolio Kredit Mikro bank bjb. - Pembahasan Modul Good Corporate Governance (GCG) - Lain-lainnya.

- Discussion on the Policy of Writte Off and Haircut of bank bjb. - Discussion on bank bjb Micro Credit Portfolio Analysis Report. - Discussion of Good Corporate Goovernance Module (GCG) - Others.

14 Oktober 2014 October 14, 2014

- Pemaparan Kondisi Makro Ekonomi. - Pembahasan Analisa Kredit Pemilikan Rumah - Lain-lain.

- Exposure of Macroeconomic Conditions. - Discussion on the Analysis of Housing Loan - Others.

4 November 2014 November 4, 2014

- Pemaparan Analisis Kinerja Keuangan Un-Audited  "OBMJTJT1SPmM3JTJLP5SJXVMBO***5BIVO - Lain-lain.

- Exposure of the Analysis on Un-Audited Financial Results  3JTL1SPmMF"OBMZTJTGPS5IJSE2VBSUFSPG Others.

Riwayat Hidup Singkat Anggota Komite Pemantau Risiko di Luar Anggota Dewan Komisaris

Curriculum Vitae of Risk Monitoring Committees NonMembers of Board of Commissioners

Nury Effendi Anggota Komite Pemantau Risiko Member of Risk Monitoring Committee

Warga Negara Indonesia berusia 58 tahun. Menyelesaikan pendidikan Sarjana Ekonomi di Universitas Padjadjaran Bandung tahun 1983, Master of Arts in Economics dari Ohio State University, USA tahun 1987 dan mendapatkan gelar Doktor di Bidang Ekonomi dari University of Oklahoma tahun 2000. Menjabat sebagai anggota Komite Pemantau Risiko bank bjb sejak tahun 2007 dan jabatan lain yang pernah dipegang diantaranya: Dosen Fakultas Ekonomi dan Bisnis

Indonesia citizen, age 57. Graduated with a bachelor degree in Economy from the University of Padjadjaran Bandung in 1983, Master of Art in Economics from State University of Ohio, USA in 1987 and Doctor of Economy from University of Oklahoma in 2000. Assume the position of member of Risk Monitoring Committee of bank bjb since 2007. Other previous positions include: Lecturer in the Faculty of Economy and Business from the University of Padjadjaran (1984-present),

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

482

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Universitas Padjadjaran (1984-sekarang), Pembantu Dekan Bidang Akademik Fakultas Ekonomi dan Bisnis Universitas Padjadjaran (2009-2013), Dekan Fakultas Ekonomi dan Bisnis Universitas Padjadjaran (2013-sekarang).

Deputy Dean for Academic Affairs at the Faculty of Economy and Business University of Padjadjaran (2009-2013), Dean of the Faculty of Economy and Business of University of Padjadjaran (2013-present).

Tetet Fajriyanti Anggota Komite Pemantau Risiko Member of Risk Monitoring Committee

Warga Negara Indonesia berusia 46 tahun. Menyelesaikan pendidikan Sarjana Ekonomi Jurusan Akuntansi di Universitas Padjadjaran Bandung tahun 1992, S2 Bidang Ilmu Akuntansi & Keuangan Fakultas Ekonomi UGM, Yogyakarta tahun 2000, dan mendapatkan gelar Doktor di bidang Keuangan dari Universitas Padjadjaran tahun 2010. Menjabat sebagai anggota Komite Pemantau Risiko bank bjb sejak tahun 2014 dan jabatan lain yang pernah dipegang diantaranya: Dosen Fakultas Ekonomi dan Bisnis Universitas Padjadjaran (1994-sekarang), Sekretaris Laboratorium Akuntansi Unpad (2007-2009), Sekretaris Program Studi Pendidikan Profesi Akuntansi Unpad (2009-2011), Sekretaris Program Studi Magister Akuntansi Unpad (2011-2012), Sekretaris Program Studi Magister Ilmu Ekonomi Unpad (2012-2013), Sekretaris Program Studi Doktor Ilmu Akuntansi Unpad (2013-sekarang).

Indonesian citizen aged 46 years. Graduated with a Bachelor of Economics Department of Accounting at the University of Padjadjaran Bandung in 1992, S2 Field of Science in Accounting and Finance, Faculty of Economics, UGM, Yogyakarta in 2000, and received his doctorate in Finance from the University of Padjadjaran in 2010. He has served as a member of the Risk Oversight Committee since the bank bjb 2014 and another position once held by them: Faculty of Economics and Business, University of Padjadjaran (1994-present), the Secretary of Accounting Laboratory Padjadjaran (2007-2009), Secretary of Professional Accounting Education Program, Padjadjaran University (2009-2011), Secretary of the Master of Accounting Padjadjaran University (2011-2012), Secretary of the Master of Economics, Padjadjaran University (20122013), Secretary of the Accounting Doctoral Studies Program, Padjadjaran University (2013-present).

Periode Jabatan Anggota Komite Pemantau Risiko

Work Tenure of the Members of the Risk Monitoring Committee

Sesuai dengan Pedoman nomor 06/DK/2007 tentang Pedoman Dewan Komisaris, masa jabatan anggota komite yang bukan merupakan anggota Dewan Komisaris, masa kerjanya ditentukan oleh Dewan Komisaris dengan tetap mengacu kepada ketentuan GCG yang berlaku.

bank bjb Laporan Tahunan 2014

In accordance with the Work Guidelines No. 06/DK/2007 on the Guidelines for the Board of Commissioners, the tenure of the committee members who are not members of the Board of Commissioners is determined by the Board of Commissioners with reference to the applicable provisions of corporate governance.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

483

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Independensi Ketua Pemantau Risiko

dan

Anggota

Komite

Independence of the Chairman and Members of the Risk Monitoring Committee

Ketua dan anggota KPR terdiri dari 3 (tiga) orang Komisaris Independen, dan 2 (dua) orang anggota independen. Seluruh Anggota Komite Pemantau Risiko tidak memiliki hubungan dengan anggota Dewan Komisaris, dengan anggota Direksi, dengan sesama anggota Komite maupun dengan Pemegang Saham Utama dan/atau Pengendali

The Risk Monitoring Committee consists of 3 (three) independent commissioners and 2 (two) Independent members. All Members of the Risk Monitoring Committee shall not have relationships with members of the Board of Commissioners, members of the Board of Directors, with fellow members of the Committee and with the Major and/ or Controlling Shareholders.

Tugas dan Tanggung Jawab Komite Pemantau Risiko

Duties and Responsibilities of the Risk Monitoring Committee

Sesuai PBI nomor 5/8/PBI/2003, Pasal 2 yang telah diubah dengan Peraturan Bank Indonesia nomor 11/25/PBI/2009 tentang Penerapan Manajemen Risiko Bagi Bank Umum, mewajibkan Bank menerapkan Manajemen Risiko secara efektif, baik untuk Bank secara individual maupun untuk Bank secara konsolidasi dengan Perusahaan Anak, yang paling kurang mencakup 4 (empat) pilar yaitu: 1. Pengawasan aktif Dewan Komisaris dan Direksi; 2. Kecukupan kebijakan, prosedur dan penetapan limit;  ,FDVLVQBOQSPTFTJEFOUJmLBTJ QFOHVLVSBO QFNBOUBVBO  dan pengendalian Risiko, serta sistem informasi Manajemen Risiko; dan 4. Sistem pengendalian intern yang menyeluruh.

In accordance to PBI No 5/8/PBI/2003, Article 2, as amended by Bank Indonesia Regulation number 11/25/ PBI/2009 concerning the Application of Risk Management for Commercial Banks, require the Bank to effectively implement Risk Management, both individually and consolidated with its subsidiaries, which at least includes 4 (four) pillars, namely: 1. The active supervision of the Board of Commissioners and Board of Directors; 2. The adequacy of policies, procedures and limits;  "EFRVBDZPGUIFQSPDFTTPGJEFOUJmDBUJPO NFBTVSFNFOU  monitoring, and controlling risk, and risk management information system; and 4. Thorough internal control system.

Evaluasi atas pelaksanaan kebijakan pengelolaan risiko merekomendasikan penyempurnaan infrastruktur dan metodologi pengukuran risiko. Secara berkala, Komite Pemantau Risiko melakukan penyempurnaan kebijakan dan pedoman pengelolaan risiko agar dapat digunakan untuk dasar pengambilan keputusan bisnis bank bjb.

Evaluation on the implementation of the risk management policy recommended infrastructure improvements and risk measurement methodologies. Periodically, the Risk .POJUPSJOH $PNNJUUFF SFmOFT UIF SJTL NBOBHFNFOU QPMJDJFT and guidelines that can be used to be the basis of business decision-making in bank bjb.

Berkaitan dengan tugas pemantauan pelaksanaan tugas SKMR, Komite Pemantau Risiko telah mengevaluasi laporan 1SPmM 3JTJLP #BOL  NFMJQVUJ SJTJLP LSFEJU  SJTJLP QBTBS  SJTJLP likuiditas, risiko operasional, risiko hukum, risiko reputasi, risiko strategi, dan risiko kepatuhan. Hingga akhir tahun 2014 telah terjadi pengelolaan risikio yang semakin baik dibuktikan dengan peningkatan risk awareness di mayoritas risk taking unit. Metode pengukuran risiko dan pengendaliannya terus menerus disempurnakan oleh SKMR.

In connection with the monitoring of the the implementation of tasks by the Risk Management Unit, the Risk Monitoring $PNNJUUFF IBT FWBMVBUFE UIF SJTL QSPmMF SFQPSU  JODMVEJOH credit risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, and compliance risk. By the end of 2014 risks have been managed better evidenced by the increase in risk awareness in the majority of risk taking units. The risk measurement method and its control are continuously SFmOFECZUIF3JTL.BOBHFNFOU6OJU

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

484

KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS

Laporan Pelaksanaan Kegiatan KPR Tahun 2014

Report on the Activities Conducted by the Risk Monitoring Committee during 2014

Sesuai pedoman kerja KPR, maka pada tahun 2014 disusun rencana kerja sebagai berikut:

Based on the work guidelines of the the Risk Monitoring Committee, in 2014 the work plan prepared was as follows:

No

Program Kegiatan KPR Tahun 2014

2014 RMC Activities Program

1.

Mengevaluasi realisasi rencana kerja KPR Tahun 2013 dan menetapkan rencana kerja KPR Tahun 2014 sesuai RBB bjb Tahun 2014

Evaluate the realization of the 2013 RMC work plan and determine the RMC work plan for 2014 in accordance with the bank EME·s 2014 Business Plan

2.

Mengevaluasi kecukupan penerapan manajemen risiko, baik dari aspek organisasi, kebijakan, perangkat kerja, dan implementasinya serta memberikan rekomendasi bagi Dekom

(YDOXDWHWKHDGHTXDF\RIULVNPDQDJHPHQWERWKIURPWKHDVSHFWRIWKH organization, policies, work tools, and its implementations and provide recommendations to the Board of Commissioners

3.

Monitoring atas rekomendasi yang diberikan oleh Dekom berdasarkan hasil evaluasi pada butir 2

Monitor the recommendations given by the Board of Commissioners based on the results of the evaluation in point 2

4.

0HQJHYDOXDVLODSRUDQ3URÀO5LVLNRVHUWDPHODSRUNDQGDQPHPEHULNDQ rekomendasi berdasarkan hasil evaluasi tersebut kepada Dewan Komisaris

(YDOXDWHWKHULVNSURÀOHUHSRUWDQGUHSRUWDQGPDNHUHFRPPHQGDWLRQV based on the results of the evaluation to the Board of Commissioners

5.

Melakukan penelaahan atas pelaksanaan fungsi kepatuhan atas peraturan dan perundang-undangan yang berlaku

Review the implementation of the compliance function on the regulations and legislations in force

6.

Memutakhirkan secara periodik Pedoman Kerja

Periodically update the Work Guidelines

7.

Menyusun laporan realisasi rencana kerja Komite Pemantau Risiko

Prepare reports on the realization of the work plan of the Risk Monitoring Committee

8.

Bersama Komite Audit menyusun Laporan Pengawasan Dewan Komisaris tentang realisasi RBB tahun 2014, termasuk evaluasi atas rencana perubahan RBB 2014

Together with the Audit Committee prepare the the Board of &RPPLVVLRQHUV·6XSHUYLVRU\5HSRUWRQWKHUHDOL]DWLRQWKH%DQN·V Business Plan in 2014, including the evaluation of the changes of the 2014 Business Plan of the Bank.

9.

Melakukan penelaahan dan memberikan masukan bagi Dewan Komisaris atas draft RBB bjb tahun 2015

Review and provide inputs for the Board of Commissioners on the %DQN·V%XVLQHVV3ODQ'UDIW

10.

Peningkatan kapasitas Ketua dan Anggota KPR melalui workshop, seminar, dan benchmarking

Improving the capacity of the Chairman and Members of RMC through workshops, seminars, and benchmarking

11.

Melaksanakan tugas lain yang diberikan oleh Dewan Komisaris berdasarkan ketentuan peraturan perundang-undangan yang berlaku

Carry out other duties assigned by the Board of Commissioners under the provisions of the legislations in force

Mekanisme Kerja

Mechanism of Work

Komite Pemantau Risiko bekerja berdasarkan program kerja tahunan yang disusun dan disetujui Dewan Komisaris, diantaranya kegiatan pemantauan risiko rutin bulanan, triwulanan, dan tahunan, serta kegiatan yang tidak ditetapkan waktu pelaksanaannya seperti kegiatan peningkatan kapabilitas Ketua dan anggota KPR.

The Risk Monitoring Committee works based on the annual work program prepared and approved by the Board of Commissioners, including the monthly, quarterly, and yearly risk monitoring activities, as well as activities with no set of timeframe such as the activities to improve the capabilities of the Chairman and members of the RMC.

KPR melaksanakan rapat mingguan yang merupakan rapat internal KPR, rapat koordinasi dengan Divisi Manajemen Risiko, Komite Audit, atau rapat gabungan dengan bagian lain sesuai program kerja dan kebutuhan.

The RMC holds weekly meeting which is the internal RMC meeting, coordination meeting with the Division of Risk Management, Audit Committee, or joint meetings with other units according to the work programs and needs.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

485

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS

Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Anggota Komite Pemantau Risiko

Frequency of Meetings and the Level of Attendance of the Members of the Risk Monitoring Committee

Selama tahun 2014 telah dilaksanakan rapat dan pelaporan dari Komite Pemantau Risiko sebanyak 24 (dua puluh empat) kali rapat.

During 2014, the Risk Monitoring Committee held 24 (twenty four) meetings.

Kehadiran Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting Attendance Nama Name

Jumlah Kehadiran Total Attendance Periode 2014 | Period

Presentase Percentage

Achmad Baraba

20

83,33%

Yayat Sutaryat

19

79,17%

Rudhyanto Mooduto

19

79,17%

Nury Effendi

20

83,33%

Tettet Fatjriyanti

24

100%

Remunerasi Anggota Komite Pemantau Risiko Sistem Remunerasi Komite Pemantau Risiko didasarkan pada hasil rekomendasi Komite Remunerasi dan Nominasi yang ditetapkan dalam Rapat Dewan Komisaris. Setiap anggota Komite yang diangkat memiliki perjanjian kerja sama masingmasing.

Remuneration for the Members of the Risk Oversight Committee The remuneration system for the Risk Oversight Committee is based on the recommendation of the Remuneration and Nomination Committee set out in the Board of Commissioners’ meeting. Each member of the Committee who is appointed posses his/ her own cooperation agreement.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

486

SEKRETARIS DEWAN KOMISARIS SECRETARY OF THE BOARD OF COMMISSIONERS

Titin Suartini Sekretaris Dewan Komisaris Board of Commissioners Secretary

Sekretaris Dewan Komisaris bertanggung jawab untuk mengkoordinasikan seluruh kegiatan administatif Dewan Komisaris, baik secara internal maupun terkait dengan Direksi ataupun Komite-komite di bawahnya.

The Secretary of the Board of Commissioners is responsible to coordinate all administrative activities of the Board of Commissioners, both internally and linked to the Board of Directors or the Committees underneath.

Nama Jabatan

Name Position

Karir di Perseroan Pendidikan

: Titin Suartini : Pemimpin Grup Kesekretariatan Dewan Komisaris : Bekerja di Perseroan sejak 1991 : S2 MM UNPAD Lulusan tahun 2007

Secara struktural Sekretaris Dewan Komisaris bertanggung jawab langsung kepada Dewan Komisaris. Adapun Tugas dan Tanggung Jawab Sekretaris Dewan Komisaris meliputi: 1. Mengkoordinasikan kegiatan kesekretariatan untuk Direksi dan Komisaris a. Mengembangkan sistem administrasi kesekretariatan yang terintegritas. b. Mengkoordinasikan kegiatan rapat Direksi dan Komisaris c. Menjalankan fungsi sebagai notulen rapat/meeting Direksi dan Dewan Komisaris d. Memantau administrasi, pengarsipan, surat-menyurat, serta pengamanan data-data/dokumen Direksi dan Dewan Komisaris (SK, SE, SI, dan sebagainya). e. Membuat dan memastikan tersedianya materi, data, informasi yang diperlukan Direksi dan Dewan Komisaris untuk Rapat Direksi/Rapat Komisaris. f. Mengelola laporan khusus Direksi/Dewan Komisaris kepada lembaga ekstern. g. Memastikan dokumen perjalanan dinas dalam dan luar negeri Direksi dan Komisaris. h. Melakukan pembinaan kepada Cabang dalam bidang kesekretariatan. 2. Mengkoordinasikan kegiatan protokoler utuk Direksi dan Dewan Komisaris

bank bjb Laporan Tahunan 2014

: Titin Suartini : Leader of the Board of Commissioners Group Secretariat Career in the Company : Working in the Company since 1991 Education : Magister Management from UNPAD, Graduated in 2007 Structurally, the Secretary of the Board of Commissioners is responsible directly to the Board of Commissioners. The Duties and Responsibilities of the Secretary of the Board of Commissioners include: 1. Coordinate the secretariat’s activities for the Board of Directors and Board of Commissioners a. Develop an integrated secretariat administration system. b. Coordinate the meetings of the Board of Directors and Board of Commissioners c. Functions as the recorder of the minutes of meetings in the meetings of the Board of Directors and Board of Commissioners d. Monitor the administration, archiving, correspondence, and securing the data/ documents of the Board of Directors and Board of Commissioners (SK, SE, SI, and so on). e. Create and ensure the availability of materials, data, information needed by the Board of Directors and Board of Commissioners for meetings. f. Manage special report of the Board of Directors/ Board of Commissioners to external agencies. H &OTVSF PGmDJBM USBWFM EPDVNFOUT GPS UIF GPSFJHO BOE domestic business trips of the Board of Directors and Board of Commissioners. h. To provide guidance to the branch in the secretarial mFME 2. Coordinate the protocol activities for the Board of Directors and Board of Commissioners

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

a. Berkoordinasi dengan pihak pelaksana keigatan dalam melakukan protokoler Direksi dan Dewan Komisaris. b. Mengatur jamuan untu tamu Direksi dan Dewan Komisaris c. Berkoordinasi dengan Divisi/Kantor Cabang, mengatur susunan acara internal yang dihadiri oleh Direksi dan Dewan Komisaris. d. Menyiapkan meteria nara sumber.pidato/sambutan/ Direksi berdasarkan permintaan secara tertulis dari pihak penyelenggara kegiatan. e. Menyiapkan acara pembukaan jaringan usaha bank yang baru. 3. Menyusun Tata Naskah Bank a. Melakukan inventarisasi dalam penyelenggaraan Tata Naskan Bank yang telah berjalan. b. Melakukan kajian mengenai kebutuhan Tata Naskah Bank dalam ketertiban penyelenggaraan komunikasi Bank (format dari setiap jenis surat yang dikeluarkan Bank, Sandi Unit Kerja, Indek Surat, Sandi Pejabat Bank, Kartu Nama Pejabat dan lain-lain). c. Menyusun draft rumusan Tata Naskah Bank. d. Menyampaikan draft Tata Naskah Bank kepada Divisi Kepatuhan & Hukum untuk dilakukan pengkajian dari sisi hukum. e. Menyampaikan draft Tata Naskah Bank yang telah dikaji oleh Divisi Kepatuhan & Hukum (dan direvisi apabila ada) kepada Direksi untuk mendapatkan persetujuan f. Menerbitkan Tata Naskah Bank yang telah disetujui Direksi, serta mendistribusikan kepada seluruh Unit Kerja. 4. Mengelola dan mengembangkan kewenangan bidang administrasi a. Melakukan inventarisasi kepada setiap Unit Kerja di Kantor Pusat dan Cabang mengenai kebutuhan Kewenangan bidang administrasi. b. Menghimpun masukan dari setiap Unit Kerja mengenai kebutuhan Kewenangan bidang Administrasi. c. Mengkaji BPP, Kebijakan dan SOP yang berkaitan dengan Kewenangan bidang administrasi. d. Menyusun rumusan Kewenangan. e. Menyampaikan rumusan Kewenagnan kepada Divisi Manajemen Risko untk mendapatkan kajian dan rekomendasi bidang manajemen risiko. f. Menyampaikan rumusan Kewenangan kepada Direksi untuk mendapatkan keputusan. g. Menertibkan Pedoman Kewenangan bidang Administratif yang telah disetujui Direksi dan didistribusikan kepada seluruh unit kerja. h. Melakukan updating Kewenangan secara berkala.

487

a. Coordinate with the implementing parties in conducting protocol activities for the Board of Directors and Board of Commissioners. b. Organize a banquet for the guests of the Board of Directors and Board of Commissioners D $PPSEJOBUFXJUIUIF%JWJTJPO#SBODI0GmDF PSHBOJ[JOH the internal event attended by the Board of Directors and Board of Commissioners. d. Setting up the materials such as speech/ welcome notes of the Board of Directors based on a written request from the organizers of activities. e. Set up the opening of a new network of banking business. 3. Compile the Bank’s writing system a. Perform inventory in the administration of the current bank writing system. b. Conduct a study related to the needs of the Bank’s writing system to maintain order within the Bank’s communication (the format of each type of letter issued by the Bank, Code for each Work Unit, Letter Index, $PEFPGUIF#BOLT0GmDJBMT /BNF$BSEPGUIF#BOLT 0GmDJBMTBOEPUIFST  c. Prepare the draft for the formulation of the Bank’s writing system. d. Submit the draft on the Bank’s writing system to the Compliance & Legal Division to be assessed from the view of law. e. Submit the draft on the Bank’s writing system that has been reviewed by the Compliance & Legal Division (and revised if any) to the Board of Directors for approval f. Publish the Bank’s Writing System which has been approved by the Board of Directors, and distribute it to the entire Work Units.  .BOBHF BOE EFWFMPQ UIF BVUIPSJUZ JO UIF mFME PG administration a. Conduct an inventory to each Work Unit at the Head 0GmDFBOE#SBODIFTSFMBUFEUPUIFOFFETPG"VUIPSJUZJO UIFmFMEPGBENJOJTUSBUJPO b. Gather inputs from each work unit on the needs of the "VUIPSJUZJOUIFmFMEPG"ENJOJTUSBUJPO c. Review the BPP, policies and SOP related to the authority JOUIFmFMEPGBENJOJTUSBUJPO d. Forumulate Authority. e. Deliver the formulation of authority to the Risk Management Division to obtain a review and SFDPNNFOEBUJPOJOUIFmFMEPGSJTLNBOBHFNFOU f. Deliver the formulation of Authority to the Board of Directors for decision. H 3FHVMBUFUIF(VJEFMJOFTPOUIF"VUIPSJUZJOUIFmFMEPG Administration approved by the Board of Directors and distribute to all work units. h. Perform updates on authority periodically. bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

488

DIREKSI BOARD OF DIRECTORS

Direksi merupakan organ Perseroan yang memiliki wewenang serta bertugas dan bertanggung jawab secara kolegial dalam mengelola Bank. Secara garis besar, masing-masing Direktur dapat melaksanakan tugas dan mengambil keputusan sesuai dengan pembagian tugas dan wewenangnya. Direksi bertanggung jawab terhadap pengelolaan Bank agar dapat menghasilkan keuntungan dan memastikan kesinambungan usaha Bank sesuai dengan anggaran dasar dan peraturan perundang-undangan. Fungsi pengelolaan Perseroan oleh Direksi mencakup 5 (lima) tugas utama yaitu kepengurusan, manajemen risiko, pengendalian intern, komunikasi, dan tanggung jawab sosial.

Board of Directors as a part of the Company has the authority and the duty and responsibility in colegially managing the Bank. In broad outline, each Director may carry out tasks and formulate decisions in accordance with the division of duties and responsibilities. Directors are responsible for the NBOBHFNFOUPGUIF#BOLJOPSEFSUPHFOFSBUFQSPmUTBOEFOTVSF the sustainability of the Bank in accordance with the Articles of Associations and statutes and regulations. Management functions of the company by the Board of Directors includes  mWF NBJOUBTLT UIFZBSFNBOBHFNFOU SJTLNBOBHFNFOU  internal control, communications, and social responsibility.

Direksi bertanggung jawab kepada pemegang saham dalam menciptakan dan memberikan nilai tambah bagi pemegang saham. Direksi harus memastikan bahwa manajemen memiliki rencana kerja yang seimbang antara pertumbuhan jangka panjang dan tujuan jangka pendek. Pengelolaan Bank yang baik akan berlandaskan pada prinsip transparansi, akuntabilitas, pertanggung jawaban, independensi, dan kewajaran dalam rangka memberi nilai tambah bagi pemegang saham dan pihak-pihak lain yang terkait dengan Bank.

Directors are responsible to shareholders in creating and delivering added value to shareholders. Directors must ensure that management has a balanced long-term growth plan and short-term goals. Good management of Banks will be based on principles of transparency, accountability, responsibility, independence, and fairness in order to add value for shareholders and other parties associated with the Bank.

Komposisi Direksi

Board of Directors

Berdasarkan Akta Nomor 221 tanggal 19 Desember 2014 mengenai Pernyataan Keputusan RUPS PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk, Direksi Perseroan per 31 Desember 2014 sebagai berikut:

#BTFE PO 0GmDJBM %PDVNFOU /VNCFS  PO %FDFNCFS   PG0GmDJBM3FQPSUPG(FOFSBM.FFUJOHPG4IBSFIPMEFSTPG PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk, it is determined the structure of Board of Directors December 31, 2014, as follows:

Posisi

Nama/Name

Position

Direktur Utama

Ahmad Irfan

Direktur

Zaenal Aripin

Director

Direktur

Nia Kania

Director

Direktur

Suartini

Director

Direktur

Fermiyanti

Director

Direktur

Agus Gunawan

Director

Direktur

Benny Santoso

Director

Berdasarkan Surat Keputusan Direktur Utama PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk nomor 1022/SK/DIR-CS/2014 tentang Penetapan Susunan Direksi tanggal 29 Desember 2014, menetapkan susunan Direksi Perseroan sebagai berikut:

bank bjb Laporan Tahunan 2014

President Director

Based on the Directive of President Director of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk Number 1022/SK/DIR-CS/2014 on December 29, 2014 about the Determination of the Structure of Board of Directors, it is determined the Structure of Board of Directors of bank bjb as follows:

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

489 BOARD OF DIRECTORS

Posisi

Nama/Name

Position

Direktur Utama

Ahmad Irfan

President Director

Direktur Kepatuhan dan Manajemen Risiko

Zaenal Aripin

Direktur Keuangan

Nia Kania

Direktur Komersial

Suartini

Direktur Konsumer

Fermiyanti

Direktur Mikro

Agus Gunawan

Managing Director – Micro

Direktur Operasional

Benny Santoso

Managing Director – Operational

Managing Director – Compliance and Risk Management Managing Director – Finance Managing Director – Commercial Managing Director – Consumer

Keberagaman Direksi

Diversity of the Board of Directors

Di tengah era globalisasi seperti sekarang, harapan investor, nasabah, serta regulasi semakin kompleks, sehingga memberikan tantangan yang sangat besar bagi Direksi. Komposisi Dewan Komisaris dan Direksi yang beragam akan mendorong pengambilan keputusan yang lebih objektif dan komprehensif dikarenakan keputusan diambil dengan memperhatikan berbagai sudut pandang dan kepentingan.

In the middle of the globalization era, the expectations of investors, customers, as well as the increasingly complex regulations, provide a very big challenge for the Board of Directors. The diverse composition of the Board of Commissioners and Board of Directors will encourage more objective and comprehensive decision-making because decisions are taken by taking into account various viewpoints and interests.

Keragaman komposisi Direksi di lingkungan bank bjb NFODBLVQ LVBMJmLBTJ BLBEFNJL  LFBIMJBO  VTJB EBO HFOEFS Hal ini sejalan dengan perkembangan bisnis terbaik di dunia internasional, yang di antaranya termuat dalam ketentuan ASEAN Corporate Governance Scorecard, yang merupakan tindak lanjut dari kesepakatan lima Menteri Keuangan ASEAN pada tahun 2009 tentang penerapan GCG.

The diversity of the composition of the Board of Directors in bank bjbJODMVEFBDBEFNJDRVBMJmDBUJPOT FYQFSUJTF BHFBOE gender. This is in line with the development business in the world, of which among others is contained in the provisions of the ASEAN Corporate Governance Scorecard, which is a GPMMPXVQPGUIFBHSFFNFOUCFUXFFOmWF'JOBODF.JOJTUFSTPG ASEAN in 2009 on the application of GCG.

Di lingkungan bank bjb, keragaman Direksi dapat dilihat pada: 1. Jenis Kelamin Komposisi jenis kelamin (gender) di lingkungan Direksi adalah: 4 pria dan 3 wanita. Keragaman dari sisi gender ini menunjukan bahwa bank bjb memiliki komitmen tidak adanya perbedaan gender antara pria dan wanita untuk mencapai posisi tertinggi dalam Perseroan. Keragaman tersebut memberikan manfaat bagi Bank, di saat Direksi mengambil keputusan terkait dengan pengelolaan perusahaan. Banyak studi yang mengungkapkan bahwa wanita memiliki tingkat kehatihatian lebih dibandingkan pria. Dengan begitu, sejalan dengan karakter bisnis Bank yang selalu menjaga prinsip kehati-hatian, keragaman tersebut sangat bermanfaat bagi bank bjb. 2. Bidang Studi Keragaman pada bidang studi di lingkungan Direksi bank bjb akan memberikan manfaat bahwa keputusan yang diambil pada organ tertinggi di tingkat operasional

In bank bjb, the diversity of the Board of Directors can be found at: 1. Gender The composition of the Board of Directors based on gender is: 4 men and 3 women. The diversity in terms of gender shows that bank bjb has a commitment to not differenciate gender, between men and women, in their efforts to reach the highest position in the Company.  5IFEJWFSTJUZQSPWJEFTCFOFmUTGPSUIF#BOL BUUIFUJNFT the Board of Directors makes decisions related to the management of the company. Many studies reveal that women are more cautious than men. Thus, in line with the character of the Bank’s business which always maintains the precautionary principle, this kind of diversity is very useful for bank bjb. 2. Field of Study  %JWFSTJUZ JO UIF mFME PG TUVEZ XJUIJO UIF NFNCFST PG UIF Board of Directors of bank bjb XJMM QSPWJEF CFOFmU  namely the decisions taken at the highest organ at the

bank bjb Annual Report 2014

490

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DIREKSI

perusahaan tersebut dilandasi oleh kompetensi yang memadai. Bahkan, keragaman bidang studi tersebut akan membuat keputusan yang diambil Direksi merupakan hasil dari pandangan dan pertimbangan yang beragam. Saat ini, keragaman pendidikan di lingkungan Direksi bank bjb bukan hanya terkait dengan bidang studi yang berbeda, tetapi juga lingkungan yang lebih beragam yaitu di dalam dan luar negeri. Selain itu, dari sisi jenjang pendidikan, anggota Direksi berasal dari Sarjana Strata 1 hingga Doktoral. 3. Pengalaman Kerja Keragaman pengalaman kerja anggota Direksi ada yang berasal dari karir internal bank bjb, ada pula yang berasal dari luar. Kombinasi pengalaman ini akan membuat sudut pandang Direksi dalam mengambil keputusan sangat beragam, sehingga keputusan yang lahir lebih akuntabel mengingat hal itu berasal dari pertautan beragam pengalaman kerja anggota Direksi. 4. Usia Keragaman usia anggota Direksi berada di kisaran 40-an dan 50-an. Perbedaan usia ini akan membuat keputusankeputusan dan pelaksanaan kegiatan operasional usaha bank bjb lebih terkontrol dengan baik. Sebab usia merupakan pertanda kematangan dalam pengalaman, sehingga akan sangat bermanfaat bagi Direksi dalam menjalankan kegiatan usaha Bank.

operational level of the company are based on adequate DPNQFUFODJFT*OGBDU UIFEJWFSTJUZJOUIFmFMEPGTUVEZXJMM make the decisions taken by the Board of Directors as the result of diverse views and considerations. Currently, the diversity of education within the Board of Directors of the bank bjb is not merely in the different EJGGFSFOUmFMETPGTUVEZ CVUBMTPNPSFEJWFSTFFOWJSPONFOU namely inside and outside the country. Moreover, in terms of the level of education, members of the Board of Directors posses a Bachelor to a Doctoral Degree. 3. Work Experience The diversity of the work experience of the members of the Board of Directors, namely members internally from bank bjb, and members coming from outside bank bjb. The combination of experience will create a diverse viewing angle of the Board of Directors in making decisions, thus the decisions issued can be more accountable considering it comes from diverse work experience of the members of the Board of Directors. 4. Age The members of the Board of Directors are in the range of age between 40 to 50 years old. This age difference makes the decision-making and the execution of bank bjb’s business operations well controlled. Age is a sign of NBUVSJUZJOFYQFSJFODF UIVTXJMMCFWFSZCFOFmDJBMUPUIF Board of Directors in running the business of the Bank.

Ruang Lingkup Pekerjaan dan Tanggung Jawab Direksi

Scope of Work and Responsibilities of Directors

Sesuai dengan Surat Keputusan Direksi nomor 519/SK/DIRCS/2011 tanggal 20 September 2011, tugas Direksi adalah sebagai berikut: 1. Bertanggung jawab penuh atas pelaksanaan kepengurusan Bank. 2. Wajib mengelola Bank sesuai dengan kewenangan dan tanggung jawabnya sebagaimana diatur dalam Anggaran Dasar dan peraturan perundang-undangan yang berlaku. 3. Mengurus kekayaan Bank sesuai dengan peraturan perundang-undangan yang berlaku. 4. Wajib membuat dan melaksanakan Rencana Kerja Tahunan yang harus disampaikan kepada Dewan Komisaris. 5. Wajib menyerahkan Laporan Tahunan Bank kepada akuntan publik yang ditunjuk oleh RUPS untuk diperiksa. 6. Wajib menerapkan manajemen risiko dan prinsip-prinsip Good Corporate Governance dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi. Dalam rangka pelaksanaan GCG, Direksi harus membentuk sekurang-kurangnya:

In accordance with the Decree of the Board of Directors No. 519/SK/DIR-CS/2011 dated 20 September 2011, the duties of the Board of Directors are as follow: 1. Fully responsible for the implementation of the Bank’s management board. 2. Manage the Bank in accordance with the authority and responsibilities as stipulated in the Articles of Associations and applicable regulations. 3. Taking care for the wealth of the Bank in accordance with applicable laws and regulations. 4. Obliged to prepare and implement the Annual Work Plan to be submitted to the Board of Commissioners.  0CMJHFEUPTVCNJU"OOVBM3FQPSUTPGUIF#BOLUPDFSUJmFE public accountant appointed by the GMS to be examined. 6. Required to apply risk management and the principles of Good Corporate Governance in any business activities of the Bank at all organisational levels or hierarchy. In the framework of the implementation of GCG, the Board of Directors shall establish at least:

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

491 BOARD OF DIRECTORS

a. Satuan Kerja yang menjalankan fungsi Audit Internal, untuk membantu Direksi dalam pengawasan operasional Bank pada seluruh organisasi Bank. Satuan Kerja Audit Internal ini wajib independen terhadap satuan kerja operasional. b. Satuan kerja yang menjalankan fungsi Manajemen Risiko dan Komite Manajemen Risiko untuk membantu Direksi dalam penerapan manajemen risiko sebagaimana diatur dalam Peraturan Bank Indonesia. c. Saturan Kerja yang menjalankan fungsi Kepatuhan, untuk membantu Direksi dalam melakukan kepatuhan atas hukum, perundang-undangan serta Peraturan Bank Indonesia atas operasional yang dimiliki terkait dengan hukum, perundang-undangan serta Peraturan Bank Indonesia. 7. Wajib menindaklanjuti temuan audit dan rekomendasi dari Satuan Kerja Audit Internal Bank, auditor eksternal, hasil pengawasan Bank Indonesia dan/atau hasil pengawasan otoritas lain. 8. Melakukan tugas yang secara khusus diberikan oleh Dewan Komisaris dan/atau RUPS. 9. Menyelenggarakan RUPS Tahunan dan RUPS Luar Biasa dengan didahului pemanggilan RUPS. 10. Wajib mengungkapkan kepada Pegawai kebijakan Bank yang bersifat strategis di bidang kepegawaian baik mengenai pemberian gaji, tunjangan, fasilitas, sistem penerimaan pegawai, sistem promosi, termasuk rencana #BOL VOUVL NFOHBEBLBO FmTJFOTJ NFMBMVJ QFOHVSBOHBO pegawai maupun kebijakan strategis Bank tentang kepegawaian lainnya. 11. Tiga bulan sebelum masa jabatan Direksi berakhir, Direksi dilarang mengambil/menetapkan kebijakan yang bersifat strategis. 12. Wajib menyediakan data dan informasi yang akurat, relevan, dan tepat waktu kepada Dewan Komisaris. 13. Wajib memberikan jawaban dan penjelasan atas segala sesuatu yang ditanyakan oleh Dewan Komisaris. 14. Harus memastikan kelancaran komunikasi antara Bank dengan pemangku kepentingan melalui pemberdayaan fungsi Sekretaris Perusahaan. 15. Berkewajiban untuk menyimpan dan memelihara Daftar Pemegang Saham dan Daftar Khusus sebaik-baiknya.

a. Unit of Internal Audit function, to assist the Board of Directors in the supervision of Bank operations in the entire organization of the Bank. Internal Audit Unit shall be independent of the operational unit. b. Work units that perform the function of Risk Management and Risk Management Committee to assist the Directors in the implementation of risk management as stipulated in Bank Indonesia. c. Work units that perform the function of Compliance, to assist the Directors in conducting legal, legislation and the Regulation of Bank Indonesia compliance for the operations related to the legal, regulatory and Bank Indonesia Regulation.  0CMJHFEUPGPMMPXVQPOBVEJUmOEJOHTBOESFDPNNFOEBUJPOT of the Bank’s Internal Audit Unit, external auditors, the supervision of Bank Indonesia and/or other supervisory authority.  1FSGPSNUBTLTUIBUBSFTQFDJmDBMMZHJWFOCZUIF#PBSEPG Commissioners and/or GMS. 9. Holds AGMS and EGMS preceded by GMS call. 10. Disclose to the Bank’s strategic policy personnel in UIF mFME PG QFSTPOOFM SFHBSEJOH TUSBUFHJD QPMJDJFT PO QFSTPOOFMT TVDI BT XBHFT  CFOFmUT  GBDJMJUJFT  QFSTPOOFM recruitment, promotion system, including the Bank plans UP DPOEVDU FNQMPZFF FGmDJFODZ UISPVHI UIF SFEVDUJPO PG the Bank’s personnel and other strategic policy regarding personnels. 5ISFFNPOUITCFGPSFUIFUFSNPGPGmDFFYQJSFT %JSFDUPST are prohibited from taking/ setting strategic policy. 12. Provide data and information that are accurate, relevant, and in a timely manner to the Board of Commissioners. 13. Provide answers and explanations for everything that is asked by the Board of Commissioners. 14. Ensure a smooth communication between the Bank and the stakeholders through the empowerment of the Corporate Secretary function. 15. Obliged to keep and maintain the Register of Shareholders and Special Register of Shareholders as well as possible.

Pembagian Kerja Direksi

Division of th Board of Directors Duties

Berdasarkan Surat Keputusan Direksi nomor 519/SK/DIRCS/2011 tertanggal 20 September 2011 tentang Pedoman Kerja Direksi, pembagian tugas Direksi Perseroan adalah sebagai berikut:

Under the Directors Decree No. 519/SK/DIR-CS/2011 dated September 20, 2011 on Work Guidelines of Directors, the division of bank bjb Board of Directors tasks is as follows:

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

492

DIREKSI

Direktur Utama President Director Tugas

Duties

1.

Mengkoordinir dan memberikan arahan dalam penyusunan visi, misi, dan nilai-nilai serta Rencana Korporasi dan Rencana Bisnis untuk dibicarakan dan disetujui oleh Dewan Komisaris atau RUPS sesuai dengan ketentuan Anggaran Dasar Bank.

1.

Coordinate and provide guidance in the preparation of the vision, mission, and values as well as the Corporate Plan and Business Plan to be discussed and approved by the Board of Commissioners or the GMS in accordance with the Articles of Association of Banks.

2.

Menyelaraskan dan mengakomodir inisiatif internal Bank yang dapat memberi nilai tambah serta meningkatkan kinerja dan daya saing Bank.

2.

Align and accommodate the Bank’s internal initiatives which will add value and improve the performance and competitiveness of the Bank.

3.

Mengkoordinasikan pelaksanaan tugas antar anggota Direksi, melaksanakan pembinaan dan pengendalian terhadap seluruh kegiatan operasional dan pengelolaan Bank secara efektif dan FmTJFO EFOHBONFNQFSIBUJLBOBTBTLFTFJNCBOHBOEBOLFTFSBTJBO serta memastikan kepatuhan terhadap Peraturan Bank Indonesia dan peraturan perundang-undangan yang berlaku.

3.

Coordinate the implementation of tasks among members of the Board of Directors, carry out development and control of all operations BOENBOBHFNFOUPGUIF#BOLFGGFDUJWFMZBOEFGmDJFOUMZ UBLJOH into account the principle of balance and harmony and ensure compliance with Bank Indonesia regulations and legislation in force.

4.

Mengkoordinasikan, mengendalikan, dan mengevaluasi penerapan prinsip-prinsip GCG dan Standar Etika Bank secara konsisten dalam Perusahaan.

4.

Coordinate, control, and evaluate the application of the principles of GCG and Banks Standard Ethics consistently in the Company.

5.

Memimpin rapat Direksi.

5.

Lead the Board of Directors meetings.

Tanggung Jawab

Responsibility

1.

Bertanggung jawab atas pelaksanaan kepengurusan Bank secara FGFLUJGEBOFmTJFO

1.

Responsible for the implementation of the management of the Bank FGGFDUJWFMZBOEFGmDJFOUMZ

2.

Memastikan informasi yang terkait dengan Bank selalu tersedia bila diperlukan oleh Dewan Komisaris dan Bank Indonesia.

2.

Ensure that information related to the Bank is always available when required by the Board of Commissioners and Bank Indonesia.

Direktur Bidang Operasional Director of Operations Tugas 1.

Mengkoordinasikan, mengendalikan, mengembangkan, membina, mengelola serta mengevaluasi pelaksanaan tugas dari bidangbidang yang berada di bawah tanggung jawabnya agar efektif dan FmTJFOEFOHBONFOHVUBNBLBOBTBTLFTFJNCBOHBO

Duties 1.

Coordinate, control, develop, build, manage and evaluate the performance of duties of the areas under its responsibility effectively BOEFGmDJFOUMZCZQSJPSJUJ[JOHUIFCBMBODFQSJODJQMF

 .FOHFNCBOHLBOQSPHSBNFmTJFOTJ FGFLUJWJUBT EBONBOBKFNFONVUV  %FWFMPQBQSPHSBNPGFGmDJFODZ FGGFDUJWJUZ BOERVBMJUZNBOBHFNFOU dari produk-produk Bank, serta memastikan dilaksanakannya secara of Bank products, and consistently enforce it within their respective konsisten di lingkungan unit kerja masing-masing. work units. 3.

Memantau serta mengawasi Batas Maksimal Pemberian Kredit atas aktivitas intermediasi Bank.

3.

Monitor and oversee the Legal Lending Limit for Bank intermediation activity.

4.

Memonitor kualitas hasil kerja dan kinerja seluruh bidang di bawahnya agar Rencana Bisnis yang telah ditetapkan dapat tercapai.

4.

Monitor the quality of the work and performance of the entire area under it, making sure that the Business Plan which has been set can be achieved.

5.

Memantau serta mengendalikan penerapan manajemen risiko dan penerapan prinsip-prinsip GCG pada bidang-bidang di bawahnya.

5.

Monitor and control the application of risk management and the BQQMJDBUJPOPGUIFQSJODJQMFTPG($(JOUIFJSmFMET

1.

Memastikan berjalannya prinsip kehati-hatian dan kepatuhan terhadap Peraturan Bank Indonesia, Peraturan Perundang-undangan dan Peraturan Internal Bank lainnya yang berlaku.

1.

Ensure the course of the precautionary principle and compliance with Bank Indonesia regulations, legislation and other applicable Internal regulations.

2.

Memastikan informasi yang terkait dengan bidang-bidang di bawahnya selalu tersedia untuk Dewan Komisaris dan Bank Indonesia.

 &OTVSFBMMJOGPSNBUJPOSFMBUFEUPUIFBSFBTJOJUTmFMEBSFBMXBZT available for the Board of Commissioners and Bank Indonesia.

Tanggung Jawab

bank bjb Laporan Tahunan 2014

Responsibility

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

493 BOARD OF DIRECTORS

Direktur Kepatuhan dan Manajemen Risiko Director of Compliance and Risk Management Tugas

Duties

1.

Mengkoordinasikan, mengendalikan, mengembangkan, membina, mengelola serta mengevaluasi pelaksanaan tugas operasional dari bidang-bidang di bawahnya.

1.

Coordinate, control, develop, build, manage and evaluate the JNQMFNFOUBUJPOPGUIFPQFSBUJPOBMEVUJFTPGJUTTVQQPSUJOHmFMET

2.

Melakukan koordinasi dengan Dewan Komisaris melalui Komite Pemantau Risiko baik atas inisiatifnya maupun atas permintaan Dewan Komisaris dalam rangka pengendalian, pengembangan, pembinaan dan pengawasan operasional Bank, khususnya yang terkait dengan manajemen risiko.

2.

To coordinate with the Board of Commissioners through the Risk Monitoring Committee either on its own initiative or at the request of the Board of Commissioners in order to control, develop, guide and supervise bank operations, particularly in regards to risk management.

3.

Melakukan pemantauan unsur kepatuhan dan pengendalian risiko terhadap seluruh satuan kerja Bank.

3.

To monitor compliance and risk control element of the entire unit of the Bank.

4.

Memonitor kualitas hasil kerja dan kinerja seluruh bidang di bawahnya agar Rencana Bisnis yang telah ditetapkan dapat tercapai.

4.

Monitor the quality of work and performance of the entire area subsidiary to it, ensuring the Business Plan which has been set can be achieved.

5.

Melaporkan kepada Bank Indonesia atas pelaksanaan tugas dan tanggung jawabnya secara setiap semester dan laporan adanya pelanggaran di bidang keuangan dan perbankan maupun keadaan yang membahayakan kelangsungan Bank.

5.

Report to Bank Indonesia on the performance of duties and SFTQPOTJCJMJUJFTPGFBDITFNFTUFSBOESFQPSUWJPMBUJPOTJOmOBODFBOE banking as well as circumstances that may endanger the continuity of the Bank. .

6.

Memantau pelaksanaan prinsip kehati-hatian dan mengantisipasi risiko serta pelaksanaan GCG melalui Rapat Direksi, Rapat Komite Pemantau Risiko ataupun Rapat Komite Manajemen Risiko terutama pada ketentuan KPMM, BMPK, KAP, PPAP, Transaksi Valas/PDN.

6.

Monitor the implementation of the precautionary principles and anticipate the risks and the implementation of GCG through the Board of Directors Meeting, the Risk Monitoring Committee Meeting or Meeting of the Risk Management Committee, especially in terms of CAR, LLL, KAP, PPAP, Forex transactions/ NOP.

7.

Memberi masukan kepada Direksi mengenai Peraturan Bank Indonesia dan perundang-undangan yang berlaku agar keputusan yang diambil tidak bertentangan dengan ketentuan tersebut.

7.

Advise the Board of Directors on Bank Indonesia Regulation and MFHJTMBUJPOBQQMJDBCMFUPUIFEFDJTJPOTUBLFOBWPJEJOHDPOnJDUTXJUI these provisions.

8.

Mengkaji rancangan keputusan sehingga tidak mengandung unsur penyimpangan terhadap Peraturan Bank Indonesia maupun peraturan perundang-undangan yang berlaku serta Anggaran Dasar Bank.

8.

Review the draft decision ensuring it does not contain an element of inconsistency with the Bank Indonesia Regulation and legislation applicable and Articles of Association of Banks.

9.

Mengevaluasi dan menyetujui rencana kerja dari masing-masing bidang di bawahnya untuk memastikan bahwa Bank telah menerapkan prinsip kehati-hatian, penerapan manajemen risiko serta memenuhi seluruh Peraturan Bank Indonesia, peraturan perundangundangan serta peraturan internal lainnya yang berlaku.

 &WBMVBUFBOEBQQSPWFUIFXPSLQMBOTPGFBDIPGJUTTVQQPSUJOHmFMET to ensure that the Bank has applied the precautionary principles, the application of risk management as well as meeting all Bank Indonesia Regulation, legislation and other applicable internal regulations.

10. Mensosialisasikan Peraturan Bank Indonesia, peraturan perundangundangan terbaru kepada pihak-pihak terkait.

10. Socializes Bank Indonesia Regulations, the latest legislations to relevant parties.

Tanggung Jawab

Responsibility

1.

Memastikan semua rancangan keputusan yang menjadi cakupan tugasnya telah diketahui dan diuji, sepanjang rancangan keputusan tersebut disampaikan secara terbuka kepada Direktur yang Membawahkan Fungsi Kepatuhan;

1.

Ensure all draft coverage decisions become known and tested, taking into account that all draft decision was presented publicly to the Director who heads the Compliance Function;

2.

Memastikan bahwa rancangan keputusan yang menurut pengkajian Direktur yang Membawahkan Fungsi Kepatuhan mengandung unsur pelanggaran benar-benar dipatuhi untuk tidak dilaksanakan oleh forum atau pejabat pembuat keputusan;

2.

Ensure that draft decision assessed by director who heads an element of Compliance function that is considered a breach is strictly BEIFSFEUPPSOPUDBSSJFECZUIFPGmDJBMEFDJTJPONBLFSPSGPSVN

3.

Memastikan bahwa Bank telah memenuhi seluruh peraturan Bank Indonesia, peraturan Perundang-undangan lainnya dan Kebijakan Intern Bank yang berlaku dalam rangka menjamin kepatuhan terhadap hukum dan prinsip kehati-hatian;

 &OTVSFUIBUUIF#BOLIBTGVMmMMFEBMM#BOL*OEPOFTJBSFHVMBUJPOT PUIFS legislations and Internal Bank Policy applicable in order to ensure compliance with laws and principles of prudence;

4.

Memastikan Good Corporate Governance telah dilaksanakan;

4.

Ensuring GCG have been implemented;

5.

Memastikan penerapan prinsip mengenal nasabah telah dilaksanakan;

5.

Ensure the application of Know Your Customer principles have been implemented;

6.

Memastikan Manajemen Risiko Kepatuhan telah dilaksanakan.

6.

Ensuring Compliance Risk management has been implemented. bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

494

DIREKSI

Frekuensi dan Tingkat Kehadiran Direksi dalam Pertemuan/Rapat

Frequency and Attendance of Board of Directors in Meetings/Meetings

Rapat Direksi

Board of Directors Meeting

Direksi menyelenggarakan rapat sekurang-kurangnya setiap bulan sekali atau pada setiap waktu bilamana dianggap perlu oleh salah satu atau lebih anggota Direksi atau atas permintaan tertulis dari seorang atau lebih anggota Dewan Komisaris. Mekanisme pengambilan keputusan dalam rapat Direksi berdasarkan atas musyawarah untuk mufakat. Apabila mufakat tidak dapat tercapai, pengambilan keputusan didasarkan pada suara mayoritas anggota Direksi yang hadir atau yang mewakili pada rapat. Apabila jumlah suara berimbang, maka ketua rapat direksi yang akan menentukan. Kuorum untuk seluruh Rapat Direksi adalah lebih dari separuh jumlah anggota Direksi yang hadir atau diwakili kuasa yang diberikan kepada salah satu anggota Direksi yang hadir pada rapat tersebut.

Board of Directors held a meeting at least once every month or at any time if deemed necessary by one or more members of the Board of Directors or upon written request of one or more members of the Board of Commissioners. Decisionmaking mechanisms at the meeting of Directors is based on deliberation to reach a consensus. If consensus can not be reached, the decision-making is based on majority vote of the Directors that are present or represented at the meeting. If the number of votes is equal, the chairman of the Board Meeting will then decide. The quorum for all meetings of Directors is more than half of the Directors are present or represented by the power given to one member of the Board of Directors present at such meeting.

Selama periode 2014 telah melaksanakan 14 kali rapat Direksi dengan rincian kehadiran sebagai berikut:

During the period 2014 meeting of the Board of Directors has implemented a total of 14 times with the details of attendance are as follows:

Tabel Kehadiran Direksi dalam Rapat Direksi (Komposisi Direksi bank bjb sebelum RUPS-LB tanggal 1 Juli 2014) Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb before EGM on July 1, 2014) Nama Name

Jumlah Kehadiran/ Total Attendance Periode 2014 | Period

Presentase/ Precentage

Bien Subiantoro

4

100%

Arie Yulianto

4

100%

Zaenal Aripin

4

100%

Djamal Muslim

4

100%

Tabel Kehadiran Direksi Dalam Rapat Direksi (Komposisi Direksi bank bjb setelah RUPS-LB tanggal 1 Juli 2014) Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb after EGM on July 1, 2014) Nama Name

Jumlah Kehadiran/ Total Attendance Periode 2014 | Period

Presentase/ Precentage

Zaenal Aripin

9

100%

Ahmad Irfan

9

100%

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

495 BOARD OF DIRECTORS

Tabel Kehadiran Direksi dalam Rapat Direksi (Komposisi Direksi bank bjb setelah RUPS-LB tanggal 19 Desember 2014) Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb after EGM on December 19, 2014) Jumlah Kehadiran/ Total Attendance

Nama Name

Presentase/ Precentage

Periode 2014 | Period

Ahmad Irfan

1

100%

Zaenal Aripin

1

100%

Nia Kania

1

100%

Suartini

1

100%

Fermiyanti

1

100%

Agus Gunawan

1

100%

Benny Santoso

1

100%

 #FSEBTBSLBO"LUB/PNPSNFOHFOBJ1FSOZBUBBO,FQVUVTBO361415#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL EJUFUBQLBOTFCBHBJ%JSFLTJ1FSTFSPBOTFKBLUBOHHBM%FTFNCFS  #BTFEPOUIF"DU/PPGUIF4UBUFNFOUPG(.43FHJPOBM%FWFMPQNFOU#BOLPG8FTU+BWBBOE#BOUFO 5CL EFmOFEBTUIF#PBSEPG%JSFDUPSTPGUIF$PNQBOZTJODF%FDFNCFS 

Selama tahun 2014, Direksi Perseroan telah menyelenggarakan Rapat Gabungan Dewan Komisaris dan Direksi sebanyak 28 kali, dengan tingkat kehadiran sebagai berikut:

During 2014, the Board of Directors of the Company held 28 times Join Meeting of the Board of Commissioners and Directors, with the rate of attendance as follows:

Tabel Kehadiran Direksi dalam Rapat Gabungan Direksi dan Dewan Komisaris Table of Attendance of Join Meeting of the Board of Directors and the Board of Commissioners Jumlah Kehadiran/ Total Attendance

Nama Name

Presentase/ Precentage

Periode 2014 | Period

#JFO4VCJBOUPSP

3

10,71%

"SJF:VMJBOUP

3

10,71%

%KBNBM.VTMJN

3

10,71%

Ahmad Irfan

11

39,29%

Zaenal Aripin

22

78,57%

/JB,BOJB

1

3,57%

4VBSUJOJ

1

3,57%

'FSNJZBOUJ

1

3,57%

"HVT(VOBXBO

1

3,57%

#FOOZ4BOUPTP

1

3,57%

 1FSJPEF%JSFLTJCBOLbjb sebelum RUPS-LB tanggal 1 Juli 2014  #FSEBTBSLBO"LUB/PNPSNFOHFOBJ1FSOZBUBBO,FQVUVTBO361415#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL EJUFUBQLBOTFCBHBJ%JSFLTJ1FSTFSPBOTFKBLUBOHHBM%FTFNCFS menjabat sebagai Dewan Komisaris Perseroan sejak tanggal 19 Desember 2014 sesuai Akta Keputusan RUPS-LB nomor 221  #PBSEPG%JSFDUPST1FSJPEPGUIFCBOLbjb before EGM on July 1, 2014  #BTFEPOUIF%FFE/PPOUIF(.4%FDJTJPO4UBUFNFOUPG15#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL BQQPJOUFEBT%JSFDUPSTPGUIF$PNQBOZ FGGFDUJWF%FDFNCFS4FSWFEBTUIF Board of Commissioners of the Company, effective 19 December 2014 in accordance with the Extraordinary GMS Decision Deed no. 221

Agenda Rapat Gabungan Direksi dan Dewan Komisaris Agenda of Join Meeting of the Board of Directors and the Board of Commissioners Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

3 Januari 2014 January 3, 2014

- Kepegawaian

- Personnel

4 Maret 2014 March 4, 2014

- Compliance Checklist

- Compliance Checklist

3 April 2014 April 3, 2014

- Presentasi Divisi SDM tentang Usulan Pemberian Jasa Produksi Tahun Buku 2013

- Presentation of the Human Resources Division on the proposal for bonuses in Fiscal Year 2013

28 Mei 2014 May 28, 2014

- Laporan Kinerja - Pemeringkatan GCG tahun 2013

- Performance Report - The GCG ranking in 2013

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

496

DIREKSI

Agenda Rapat Gabungan Direksi dan Dewan Komisaris Agenda of Join Meeting of the Board of Directors and the Board of Commissioners Periode Januari-Desember 2014 | Period of January-December 2014 Tanggal Pelaksanaan Rapat Date of Meeting

Agenda

Agenda

19 Juni 2014 June 19, 2014

- Revisi Rencana Bisnis Bank Tahun 2014-2016

- Revised Bank Business Plan for Year 2014-2016

21 Juli 2014 July 21, 2014

- Kepegawaian

- Personnel

5 Agustus 2014 August 5, 2014

- Rapat Koordinasi Direksi dengan Para Pemimpin Divisi mengenai evaluasi kinerja dan perkembangan terkini bank bjb - Pemaparan perkembangan kredit KPR dan kredit Mikro

- Coordination Meeting between Directors and Head of Division regarding the evaluation of performance and the latest developments in bank bjb - Exposure mortgage loans and Micro credit developments

25 September 2014 September 5, 2014

- Pengajuan Sewa ATM bank bjb - Pengadaan Jasa Keamanan dan 0GmDF4VQQPSU (Management Building)  1FNCBZBSBO"OHTVSBOEBO1FOHFNCBMJBO4FSUJmLBU T-Tower - Arah Strategi Direksi Tahun 2014 - Penetapan Limit Kewenangan Memutus Kredit Direktur Komersial

- Submission of bank bjb ATM Rental  1SPDVSFNFOUPG4FDVSJUZBOE0GmDF4VQQPSU (Management Building)  *OTUBMMNFOU1BZNFOUBOE3FGVOE$FSUJmDBUFPG T-Tower - Strategy Direction in 2014 the Board of Directors - Determining the limit of the credit authority by the Commercial Director

22 Oktober 2014 October 22, 2014

- Pembahasan Kebijakan Umum Direksi Tahunan (KUDT) Tahun 2015

- Discussion of the Board of Directors Annual General Policy (KUDT) 2015

29 Oktober 2014 October 29, 2014

- Pembahasan Kebijakan Umum Direksi Tahunan (KUDT) Tahun 2015

- Discussion of the Board of Directors Annual General Policy (KUDT) 2015

6 November 2014 November 6, 2014

- IPK (Insentif Prestasi Kerja) Tahun 2014

- IPK (Job Performance Index) 2014

20 November 2014 November 20, 2014

- Rencanan Bisnis bank bjb tahun 2015-2017

- bank bjb Business Plan for 2015-2017

1 Desember 2014 December 1, 2014

- Pembayaran Angsuran Gedung T-Tower dengan Tim Pengadaan Tanah dan/atau Bangunan

- Installment Payment for T-Tower Building with Land and/or Building Procurement Team

2 Desember 2014 December 2, 2014

- IPK (Insentif Prestasi Kerja) Tahun 2014

- IPK (Job Performance Index) 2014

30 Desember 2014 December 30, 2014

- Pembahasan Pembayaran Angsuran gedung T-Tower dengan Tim Pengadaan dan/atau Bangunan - Pembahasan Fasilitas COP (Car Ownership Program) - Pembahasan Fasilitas Kendaraan Dinas Pengurus) Tahun 2015

- Discussion on Installment Payment for T-Tower Building with Land and/or Building Procurement Team - Discussion of COP (Car Ownership Program) - Discussion of the Vehicle Facilities for managers in 2015

Program Pelatihan Peningkatan Kompetensi Direksi

Board of Directors’ Competency Training

Demi meningkatkan wawasan dan pengetahuan terkait dengan fungsi dan tugasnya, selama tahun 2014 Direksi Perseroan telah mengikuti beragam program pelatihan dan pengembangan sebagai berikut:

In order to enhance insight and knowledge related to the functions and duties, during the year 2014 the Board of Directors have attended various training and development program as follows:

Program Pelatihan Peningkatan Kompetensi Direksi Tahun 2014 Board of Directors Competence Development Programs in 2014 Nama Name Ahmad Irfan

Zaenal Aripin

Program Pelatihan Training Program Tata Kelola Perusahaan Good Corporate Governance 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Aspek Hukum Kepailitan Legal Aspects of Bankruptcy

bank bjb Laporan Tahunan 2014

Lokasi/Location Jakarta Bandung Jakarta

Tanggal Mulai Start Date

Tanggal Selesai Finish Date

17 Juli/July 2014

17 Juli/July 2014

20 Mei/May 2014

20 Mei/May 2014

4 Desember/ December 2014

5 Desember/ December 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

497 BOARD OF DIRECTORS

Program Pelatihan Peningkatan Kompetensi Direksi Tahun 2014 Board of Directors Competence Development Programs in 2014 Nama Name

Nia Kania

Suartini

Fermiyanti

Benny Santoso Agus Gunawan

Program Pelatihan Training Program Implementasi Basel III Implementation of Basel III Internal QMS Auditor Training Internal QMS Auditor Training Workshop Calon Assesor Bidang Perbankan Assessor Candidate Workshop Banking Advance Good Corporate Governence (GCG) for Banking Advance Good Corporate Governence (GCG) for Banking ERMA Bali International Seminar on Enterprice Risk Management 2014/ERMA Bali International Seminar on Enterprice Risk Management 2014 Seminar Prospek Investasi Dana Pensiun Era Pemerintahan Baru 2014/Seminar on Investment Prospects Era New Government Pension Fund in 2014 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Penerapan GCG sebagai Landasan Mewujudkan BPD Regional Champions/GCG implementation as Platform Delivering BPD Regional Champions 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Pelatihan Appraisal Property Property Appraisal Training 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Sespibank Sespibank Workshop Generation Y in the Workplace Workshop Generation Y in the Workplace

Program Orientasi bagi anggota Direksi Baru Seperti halnya pada Komisaris, bagi anggota Direksi baru juga diberikan Program Orientasi atau Pengenalan. Hal itu dilakukan demi kelancaran pelaksanaan tugas yang akan dijalankan. Program Orientasi ini sangat penting untuk dilaksanakan, mengingat Direksi berasal dari berbagai latar belakang, sehingga untuk dapat membentuk tim kerja yang solid, Program Orientasi tersebut menjadi sangat bermanfaat untuk dijalankan.

Tanggal Mulai Start Date

Tanggal Selesai Finish Date

21 Mei/May 2014 15 Desember/ December 2014 13 Maret/March 2014 16 Desember/ December 2014

21 Mei/May 2014 16 Desember/ December 2014 17 Maret/March 2014 18 Desember/ December 2014

4 Desember/ December 2014

5 Desember/ December 2014

Manado

7 Agustus/August 2014

8 Agustus/August 2014

Bandung

20 Mei/May 2014

20 Mei/May 2014

Bengkulu

13 April/April 2014

15 April/April 2014

Lokasi/Location Jakarta Singapura Jakarta Jakarta Bali

Bandung Lombok Jakarta Norwegia - Swedia Jakarta

20 Mei/May 2014 20 Mei/May 2014 20 Februari/February 21 Februari/February 2014 2014 9 Agustus/August 9 Agustus/August 2014 2014 9 Mei/May 2014 28 Agustus/August 2014

18 Mei/May 2014 28 Agustus/August 2014

Orientation Program for New member of the Board of Directors Similar to the program for Commissioners, new members of the Board of Directors are also provided with an Orientation or introduction Program. This is performed in order to smoothen the implementation of the tasks to be executed. This orientation program is very important, given the members of the Board of Directors come from various backgrounds, so as to be able to form a solid team work, the Orientation Program is very useful.

Program Pengenalan yang diberikan dapat berupa presentasi, pertemuan atau kunjungan ke fasilitas Perusahaan, perkenalan dengan para Pimpinan Divisi, Kelompok dan Karyawan di Bank serta program lainnya.

The Introduction Program includes presentations, meetings or visits to Company facilities, introduction to the Heads of the Divisions, Groups and Employees of the Bank as well as other programs.

Beberapa materi pada Program Orientasi, antara lain mengenai: 1. Tugas dan tanggung jawab Direksi berdasarkan hukum. 2. Tugas dan tanggung jawab anggota Direksi yang baru, termasuk keterangan berkaitan dengan kewenangan yang didelegasikan. 3. Pelaksanaan prinsip-prinsip GCG oleh bank bjb.

Some of the materials of the Orientation Program, among others, include: 1. Duties and responsibilities of the Board of Directors based on the law. 2. The duties and responsibilities of the new members of the Board of Directors, including information related to the delegated authorities. 3. The implementation of corporate governance principles by bank bjb.

bank bjb Annual Report 2014

498

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DIREKSI

4. Gambaran mengenai bank bjb berkaitan dengan tujuan, sifat, lingkup kegiatan, kinerja keuangan dan operasi, strategi, rencana usaha jangka pendek dan jangka panjang, posisi kompetitif, risiko dan masalah-masalah strategis lainnya. 5. Pedoman dan Tata Tertib Kerja Dewan Komisaris dan Komite-komite di bawahnya. 6. Kegiatan usaha/investasi yang sedang dijalankan oleh Bank.

4. Overview of bank bjb with regard to the objectives, nature, TDPQFPGBDUJWJUJFT mOBODJBMBOEPQFSBUJPOBMQFSGPSNBODF  strategies, short-term and long-term business plans, competitive position, risks and other strategic issues. 5. Work Guidelines and Rules of the Board of Commissioners and the Committees under the Board of Commissioners 6. Business activities/investments being carried out by the Bank.

Pedoman Tanggung Jawab Direksi (Board Charter)

Directors Responsibilities Manual (Board Charter)

Sesuai dengan Surat Keputusan Direksi nomor 519/SK/DirCS/2011 tanggal 20 September 2011,mengenai tanggung jawab Direksi adalah sebagai berikut: 1. Bertanggung jawab atas Laporan Keuangan. 2. Dalam penyelenggaraan tugas yang bersifat strategis untuk kepentingan maksud dan tujuan Bank, bertanggung jawab secara kolegial. Setiap anggota Direksi bertanggung jawab dalam menyelenggarakan kegiatan operasional dari keputusan yang bersifat strategis dan keputusan lainnya sesuai dengan tugas dan wewenangnya. 3. Wajib mempertanggung jawabkan pelaksanaan tugasnya kepada RUPS. 4. Dalam rangka mempertahankan kesinambungan usaha Bank, harus dapat memastikan dipenuhinya tanggung jawab sosial Bank yaitu dengan adanya perencanaan tertulis yang jelas dan fokus dalam melaksanakan tanggung jawab sosial Bank. 5. Segala keputusan yang diambil sesuai dengan pedoman dan tata tertib kerja mengikat dan menjadi tanggung jawab seluruh Direksi. 6. Bertanggung jawab atas penerapan Etika Usaha dan Tata Perilaku di lingkungan Perusahaan.

Pursuant to the BOD Decree No. 519/SK/Dir-CS/2011 dated September 20, 2011 on the Board Charter, responsibilities of BOD are as follow: 1. Being responsible for the Financial Statements  *OUIFJNQMFNFOUBUJPOPGTUSBUFHJDUBTLTGPSUIFCFOFmUPG intents and purposes of the Bank, responsible collegial. Each member of the Board of Directors is responsible for conducting the operational activities of the strategic decisions and other decisions in accordance with the duties and responsibilities. 3. Obliged to be held accountable for the implementations of duties to the GMS. 4. In order to maintain the burners continuity of the Bank, BOD must ensure compliance with the Bank’s social responsibility with a clear written plan and focus in implementing the Bank’s social responsibility. 5. Any decision taken is in accordance with the guidelines and regulations binding the work and the responsibility of all members of the Board of Directors. 6. Responsible for the implementation of Business Ethics and Corporate Conduct within the Company.

Kebijakan Mengenai Suksesi Direksi

Policies Regarding Succession of Board of Directors

Dalam rangka melanjutkan kepemimpinan yang berkelanjutan, bank bjb memiliki mekanisme suksesi untuk posisi Direksi yang terstruktur.

In order to continue the sustainable leadership, bank bjb has a structure mechanism of succession of the Board of Directors position.

Pada periode yang telah ditentukan, Dewan Komisaris melalui Komite Remunerasi dan Nominasi menyelenggarakan perekrutan untuk menjadi kandidat Direksi, yang berasal dari bank bjb sendiri maupun dari luar bank bjb.

In the given period, the Board of Commissioners through the Remuneration and Nomination Committee held a candidate recruitment for the Board of Directors, which is derived from bank bjb or from outside of bank bjb.

Para kandidat tersebut selanjutnya akan diases oleh tim independen yang telah ditunjuk bank bjb, untuk disaring berdasarkan kriteria-kriteria yang relevan dengan jabatan dan kondisi bank bjb.

The candidates will be assessed by an independent team that appointed by bank bjb  UP CF mMUFSFE CBTFE PO the criteria that are relevant to the position and condition of bank bjb.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

499 BOARD OF DIRECTORS

Hasil penyaringan tersebut oleh assessor eksternal diserahkan kepada Komite Remunerasi dan Nominasi, untuk kemudian diajukan kepada OJK guna melaksanakan mUBOEQPQFSUFTU dengan sepengetahuan pemegang saham.

The screening results by the external assessor submitted to the Remuneration and Nomination Committee, to be raised UP UIF '4" JO PSEFS UP DBSSZ PVU UIF mU BOE QPQFS UFTU  BOE informed to the shareholders.

,BOEJEBU ZBOH UFMBI MPMPT mU BOE QSPQFS UFTU EJBKVLBO VOUVL dipilih menjadi anggota Direksi melalui mekanisme RUPS.

$BOEJEBUFT XIP IBWF QBTTFE UIF mU BOE QSPQFS UFTU JT proposed to be elected as member of the Board of Directors through the GMS mechanism.

+XEXQJDQ $ÀOLDVL .HXDQJDQ GDQ .HOXDUJD  DQJJRWD Direksi dengan anggota Dewan Komisaris, Direksi lainnya dan/atau Pemegang Saham Pengendali Bank.

$IÀOLDWHG 5HODWLRQVKLS )LQDQFLDO DQG )DPLO\  RI members of the Board of Directors with members of the Board of Commissioners, other Board of Directors members and/or Controlling Shareholders of the Bank.

4FMVSVI BOHHPUB %JSFLTJ UJEBL NFNJMJLJ IVCVOHBO BmMJBTJ dengan sesama anggota Direksi, dengan anggota Dewan Komisaris, maupun dengan Pemegang Saham Utama dan/ atau Pengendali.

"MMNFNCFSTPGUIF#PBSEPG%JSFDUPSTEPFTOPUIBWFBOBGmMJBUF relationship with other members of the Board of Directors, the members of the Board of Commissioners, as well as the Major Shareholder and/or Controller.

Hubungan Keuangan/ Financial Relationship Nama/ Name

Pemegang Saham Pengendali/ Controlling Shareholder

Dewan Komisaris/ Board of Commissioners

Hubungan Keluarga/ Family Relationship

Direksi/ Board of Directors

Pemegang Saham Pengendali/ Controlling Shareholder

Dewan Komisaris/ Board of Commissioners

Direksi/ Board of Directors

Ada/Yes

Tidak/ No

Ada/ Yes

Tidak/ No

Ada/ Yes

Tidak/ No

Ada/ Yes

Tidak/ No

Ada/ Yes

Tidak/ No

Ada/ Yes

Tidak/ No

Ahmad Irfan

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Zaenal Aripin

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Nia Kania

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Suartini

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Fermiyanti

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Agus Gunawan

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Benny Santoso

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

-

ʚ

Hubungan Direksi dan Dewan Komisaris Secara umum, hubungan Direksi dengan Dewan Komisaris sesuai Anggaran Dasar Bank dan Peraturan Perundangundangan serta Peraturan Bank Indonesia yang berlaku, adalah: a. Direksi dan Dewan Komisaris secara bersama-sama menandatangani dokumen Perusahaan, yaitu Rencana Korporasi, Rencana Bisnis, dan Laporan Keuangan Tahunan Bank; b. Transaksi yang berdiri sendiri ataupun yang Direksi bertanggung jawab untuk memastikan agar semua informasi mengenai Bank secara tepat waktu dan lengkap disampaikan kepada Dewan Komisaris;

Relationship of the Board of Commissioners and Directors In general, the relationship of Directors with the Board of Commissioners shall be in accordance with the Bank’s Articles of Associations and Rules and Regulations, and Regulation of Bank Indonesia, which are: a. The Board of Directors and the Board of Commissioners jointly sign the Corporate documents, namely the Corporate Plan, the Business Plan and the Annual Financial Statements of the Bank; b. Stand-alone transaction or transaction that the Board of Directors is responsible for, to ensure that all information regarding the Bank is submitted to the Board of

bank bjb Annual Report 2014

500

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DIREKSI

c. Direksi wajib memberikan akses atas informasi Bank secara tepat waktu dan lengkap kepada Dewan Komisaris; d. Direksi wajib membebaskan para anggota Dewan Komisaris untuk secara bersama-sama maupun sendiri setiap waktu dalam jam kerja Bank, berhak memasuki bangunan dan halaman atau tempat lain yang dipergunakan atau yang dikuasai oleh Bank dan berhak memeriksa semua pembukuan, surat dan alat bukti lainnya, persediaan barang, memeriksa dan mencocokkan LFBEBBO VBOH LBT VOUVL LFQFSMVBO WFSJmLBTJ  EBO MBJO lain surat berharga serta berhak untuk mengetahui segala tindakan yang dijalankan oleh Direksi; e. Direksi dan tiap anggota Direksi wajib untuk memberikan penjelasan tentang segala hal yang ditanyakan oleh anggota Dewan Komisaris; f. Atas permintaan tertulis dari Dewan Komisaris, Direksi memberikan keterangan hasil pemeriksaan atau hasil pelaksanaan tugas Internal Audit; g. Menyampaikan laporan keuangan bulanan sesuai permintaan Dewan Komisaris; h. Menyampaikan surat permohonan persetujuan tambahan modal disetor untuk mendapat persetujuan Dewan Komisaris; i. Menyampaikan laporan pelaksanaan manajemen risiko dan laporan pelaksanaan tugas bidang kepatuhan kepada Dewan Komisaris; j. Menyampaikan materi RUPS/RUPSLB untuk menjadi bahan keputusan bersama dan mendapat persetujuan Dewan Komisaris dengan Direksi; k. Jika dianggap perlu, Dewan Komisaris dapat meminta secara langsung informasi dari fungsi-fungsi manajemen terkait operasional Bank untuk melaksanakan fungsi pengawasan dengan sepengetahuan Direksi; l.

m.

n. o. p.

Direksi dan atau pejabat Bank lainnya wajib menghadiri undangan rapat Dewan Komisaris dengan sepengetahuan Direksi; Direksi wajib memberikan akses atas informasi Bank kepada Komite-komite yang membantu Dewan Komisaris dengan sebelumnya mengirimkan pemberitahuan terlebih dahulu melalui Dewan Komisaris kepada Direksi; Direksi dapat mengundang anggota Dewan Komisaris jika diperlukan pendapatnya dalam Rapat Direksi; Risalah Rapat Direksi harus tersedia apabila diminta oleh anggota Dewan Komisaris; Direksi mempunyai hak dan wewenang untuk menetapkan kebijaksanaan Perseroan berdasarkan persetujuan Dewan

bank bjb Laporan Tahunan 2014

Commissioners in a complete and timely manner; c. The Board of Directors is required to provide access to Bank information in a complete and timely manner to the Board of Commissioners; d. The Board of Directors shall relieve the Board of Commissioners to jointly or individually at any time in Bank’s working hours, the right to enter the building and yard or other place used or occupied by the Bank and the right to inspect all books, letters and other evidence, the supply of goods, to check and match the condition of DBTI GPS WFSJmDBUJPO QVSQPTFT  BOE PUIFS TFDVSJUJFT BOE are entitled to know all actions performed by the Board of Directors; e. The Board of Directors and each member of the Board of Directors is obligated to provide explanations regarding all matters asked by members of the Board of Commissioners; f. Upon written request of the Board of Commissioners, the Board of Directors provide information regarding the examination or implementation result of the Internal Audit work implementation; H $POWFZ UIF NPOUIMZ mOBODJBM SFQPSU BT SFRVFTUFE CZ UIF Board of Commissioners; h. Submit a letter of application for approval of additional paid-up capital to get the approval of the Board of Commissioners; i. Convey the implementation of risk management report BOE UIF SFQPSU JO UIF mFME PG DPNQMJBODF UP UIF #PBSE PG Commissioners; j. Convey the materials for the GMS/ Extraordinary GMS to be a joint decision and approved by the Board of Commissioners with the Board of Directors; k. If deemed necessary, the Board of Commissioners may request information directly from the management functions related to Bank operations to carry out monitoring functions at the discretion of the Directors; M 5IF #PBSE PG %JSFDUPST BOE PUIFS #BOL PGmDJBMT NVTU attend the meeting of the Board of Commissioners at the discretion of the Board of Directors; m. The Board of Directors is required to provide access to bank information to the Committees assisting the Board of Commissioners with advance notice through the Board of Commissioners to the Board of Directors; n. The Board of Directors may invite members of the Board of Commissioners if its opinion is needed in the Board of Directors Meeting; o. The Minutes of the Board of Directors Meeting shall be made available if requested by the Board of Commissioners;

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

501 BOARD OF DIRECTORS

Komisaris dalam menjamin kepengurusan Perseroan, kecuali ditetapkan lain berdasarkan peraturan perundangundangan; q. Direksi menetapkan susunan Organisasi dan tata kerja Perseroan dengan persetujuan Dewan Komisaris; r. Direksi berdasarkan persetujuan tertulis Dewan Komisaris dengan berpedoman kepada perundang-undangan yang berlaku dapat melakukan hal-hal sebagai berikut: • Mengadakan kerja sama Bangun Guna Serah (Built, Operate, and Transfer/BOT), Bangun Guna Milik (Built, Operate and Own/BOO) dan perjanjian-perjanjian lain yang mempunyai sifat yang sama. • Mengambil bagian atau ikut serta dalam Perseroan/ badan-badan lain atau menyelenggarakan perusahaan baru yang tidak dalam rangka penyelamatan piutang, sesuai dengan ketentuan yang berlaku. • Melepaskan sebagian atau seluruhnya penyertaan Perseroan dalam perusahaan atau badan-badan lain. • Menggunakan cadangan untuk penghapusan kredit kepada pihak terkait sebagaimana diatur dalam ketentuan Batas Maksimum Pemberian Kredit (BMPK) Umum atau peraturan perundangan yang berlaku. • Melakukan hapus tagih terhadap pokok kredit yang diberikan kepada pihak terkait sesuai dengan peraturan perundangan yang berlaku. s. Transaksi yang terdiri sendiri ataupun yang berkaitan satu sama lain, yang terjadi dalam jangka waktu 1 (satu) tahun buku atau jangka waktu yang lebih lama sebagaimana diatur dalam Anggaran Dasar Perseroan dapat dilakukan Direksi dengan persetujuan tertulis dari Dewan Komisaris, dengan memperhatikan peraturan perundang-undangan yang berlaku khususnya peraturan Pasar Modal; t. Dalam hal Bank mempunyai benturan kepentingan dengan kepentingan pribadi seorang anggota Direksi, maka Perseroan akan diwakili oleh anggota Direksi lainnya dan dalam hal Perseroan mempunyai kepentingan yang bertentangan dengan kepentingan seluruh anggota Direksi, maka dalam hal ini bank diwakili oleh Dewan Komisaris; u. Pengurusan Perseroan oleh Direksi pada umumnya, (baik mengenai Perseroan maupun usaha Perseroan dan memberikan nasehat kepada Direksi) dijalankan dibawah pengawasan Dewan Komisaris.

p. The Board of Directors has the right and authority to set Company policies based on the approval of the Company’s Board of Commissioners in ensuring the management of the Company, unless stipulated otherwise by laws and regulations; q. The Board of Directors establishes the composition of the organization and working procedures of the Company with the approval of the Board of Commissioners; r. Based on the written consent of the Board of Commissioners, the Board of Directors, with reference to the applicable legislations, can do the following: • Establish a Built, Operate, and Transfer (BOT) agreement, Built, Operate, and Own (BOO) agreement, and other agreements that have the same properties. • Take part or participate in other Company/agencies or organizing a new company that is not in order to rescue receivable, in accordance with the applicable regulations. • Waive some or all of the Company’s investments in companies or other entities. • Use the reserve to eliminate credit to related parties as stipulated in the Legal Lending Limit (LLL) or the applicable legislations. • Erase the principal receivable on loans to related parties in accordance with the applicable regulations. s. Stand alone transaction or transactions that are associated with one another, which occurred within a period of 1 (one) year or longer period as stipulated in the Articles of Association of the Company can be performed by the Directors with the written approval of the Board of Commissioners, with due regard to particularly the prevailing Capital Market legislations; U *O UIF FWFOU UIF #BOL IBT B DPOnJDU PG JOUFSFTU XJUI UIF private interests of a member of the Board of Directors, the Company will be represented by other member of the Board of Directors and in the event the Company has an interest in that are contrary to the interests of all members of the Board of Directors, then in this case the bank is represented by the Board of Commissioners; u. The Management of the Company by the Board of Directors in general, (both regarding the Company and the Company’s business and providing advice to the Board of Directors) runs under the supervision of the Board of Commissioners.

bank bjb Annual Report 2014

502

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

DIREKSI

Assessment terhadap Direksi

Assessment of the Board of Directors

Indikator Penilaian Kinerja Direksi

Indicators of Performance Assessment of Directors

Penilaian kinerja anggota Direksi dilakukan oleh Rapat Dewan Komisaris dan/atau sistem lain yang ditetapkan oleh pemegang saham.

The performance assessment of members of the Board of Directors is carried out by the Board of Commissioners Meetings and/ or other system established by the shareholders.

Penilaian kinerja Direksi dirumuskan oleh Komite Remunerasi dan Nominasi serta ditetapkan oleh Dewan Komisaris setelah didiskusikan dengan Direksi, sekurang-kurangnya meliputi: a. Kinerja Direksi secara kolegial terhadap pencapaian target Bank sesuai dengan Rencana Korporasi dan Rencana Bisnis. b. Pelaksanaan prinsip-prinsip GCG baik secara individual maupun kolegial.

The performance assessment of the Board of Directors is formulated by the Remuneration and Nomination Committee and stipulated by the Board of Commissioners after discussion with the Board of Directors, at least including the following: a. Collegial performance of the Board of Directors to the achievement of Bank’s target in accordance with Corporate Plan and Business Plan. b. Implementation of the GCG principles both individually and collegially

Dewan Komisaris dapat menilai kinerja anggota Direksi menurut faktor lainnya, antara lain: a. Pencapaian target dan anggaran yang telah ditetapkan pada awal tahun anggaran. b. Integritas, misalnya benturan kepentingan muncul. c. Pengetahuan dan pemahaman anggota Direksi atas nilainilai, misi, rencana strategis serta rencana usaha Bank, EBONFSFnFLTJLBOQFNBIBNBOJOJLFQBEBJTVJTVQFOUJOH sepanjang tahun. d. Partisipasi Direksi dalam rapat-rapat termasuk kemampuan untuk menyampaikan, memberikan argumentasi dan memberikan solusi mengenai isu-isu strategis Bank. e. Kemampuan Direksi dalam mengikuti isu-isu dan tren yang berpengaruh terhadap Bank, dan menggunakan informasi tersebut untuk menilai dan mengarahkan kinerja Bank, bukan hanya dari tahun ke tahun, akan tetapi juga dalam jangka panjang. f. Hubungan anggota Direksi dengan sesama anggota Direksi, dengan Dewan Komisaris dan pihak-pihak lain yang diatur dalam Anggaran Dasar dan Peraturan Perundang-undangan serta Peraturan Bank Indonesia yang berlaku. g. Ketaatan Direksi dalam melaksanakan Anggaran Dasar, Peraturan perundang-undangan yang berlaku, ketetapan RUPS, ketetapan Dewan Komisaris, dan Peraturan Bank Indonesia.

The Board of Commissioners may assess the performance of the Board of Directors according to other factors, among others: a. Achievement of targets and budget which has been set at UIFCFHJOOJOHPGUIFmTDBMZFBS C *OUFHSJUZ TVDIBTBSJTJOHPGDPOnJDUTPGJOUFSFTU c. Knowledge and understanding of members of the Board of Directors on the values, mission, strategic plan and CVTJOFTTQMBOPGUIF#BOL BOESFnFDUUIJTVOEFSTUBOEJOH to the important issues throughout the year. d. Participation of the Directors in meetings, including the ability to communicate, argue and provide solutions on strategic issues of the Bank. e. Ability of the Board of Directors in following the issues and trends affecting the Bank, and use that information to assess and direct the performance of the Bank, not only from year to year, but also in the long run. f. Relationships with fellow members of the Board of Directors, with the Board of Commissioners and other parties set forth in the Articles of Association, Rules and Regulations, and Regulation of Bank Indonesia. g. Compliance of Directors in implementing the Articles of Associations, applicable legislation regulations, the provisions of the GMS, the Board of Commissioners statutes, and Bank Indonesia Regulation.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

503 BOARD OF DIRECTORS

Prosedur Penilaian

Assessment Procedure

Hasil penilaian Direksi yang dilakukan oleh Dewan Komisaris, tersebut disampaikan kepada Pemegang Saham, untuk diputuskan di dalam Rapat Umum Pemegang Saham Tahunan.

Results of the Board of Directors assessment conducted by the Board of Commissioners, are submitted to the Shareholders, to be decided at the Annual General Meeting of Shareholders

Kebijakan Remunerasi Direksi dan Dewan Komisaris

Remuneration Policy of the Board of Directors and the Board of Commissioners

Pemberian remunerasi bagi anggota Dewan Komisaris dan Direksi dihitung berdasarkan formula yang ditetapkan oleh RUPS. Setiap anggota Komisaris dan Direksi berhak menerima sejumlah kompensasi yang diberikan secara bulanan. Dewan Komisaris dan Direksi berhak mendapatkan tantiem berdasarkan kinerja dan pencapaian perusahaan dengan besaran yang ditentukan dalam RUPS. Dewan Komisaris dan Direksi juga berhak mendapatkan tunjangan pada saat mereka telah tidak lagi menjabat sebagai Dewan Komisaris ataupun Direksi.

Remuneration for members of the Board of Commissioners and Board of Directors is calculated based on a formula set by the GMS. Each member of the Board of Commissioners and Board of Directors is entitled to receive bonus based on the performance and assessment of the company with the BNPVOU TQFDJmFE JO UIF (.4 5IF #PBSE PG $PNNJTTJPOFST BOE %JSFDUPST BSF BMTP FOUJUMFE UP SFDFJWF CFOFmU XIFO UIFZ have no longer serve as a Board of Commissioners or Board of Directors.

Prosedur standar penetapan remunerasi Dewan Komisaris dan Direksi ditetapkan sebagai berikut: a. Dewan Komisaris meminta Komite Nominasi dan Remunerasi untuk menyusun rancangan usulan remunerasi. b. Komite Nominasi dan Remunerasi meminta pihak independen untuk menyusun rancangan remunerasi. c. Komite Nominasi dan Remunerasi mengusulkan kepada Dewan Komisaris mengenai remunerasi. d. Dewan Komisaris mengusulkan remunerasi bagi anggota Dewan Komisaris dan Direksi kepada RUPS. e. RUPS menetapkan remunerasi bagi anggota Dewan Komisaris dan Direksi.

Standard procedure for remuneration determination for the Board of Commissioners and Directors shall be as follows: a. The Board of Commissioners request the Nomination and Remuneration Committee to draft the proposed remuneration. b. The Nomination and Remuneration Committee request an independent party to draft the remuneration. c. The Nomination and Remuneration Committee proposes to the Board of Commissioners regarding the remuneration. d. The Board of Commissioners proposes remuneration for members of the Board of Commissioners and the Board of Directors to the GMS. e. The GMS determines the remuneration for members of the Board of Commissioners and the Board of Directors.

Struktur remunerasi sesuai dengan ketentuan Peraturan Bank Indonesia Nomor 8/4/PBI/2006 Tentang Pelaksanaan Good Corporate Governance bagi Bank Umum pasal 46 bahwa untuk pengurus direkomendasikan kebijakan remunerasi paling kurang sesuai dengan: a. kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundang-undangan yang berlaku; b. prestasi kerja individual; c. kewajaran dengan peer group; dan d. pertimbangan sasaran dan strategi jangka panjang Bank.

The remuneration structure is pursuant to Bank Indonesia Regulation No. 8/4/PBI/2006 on the Implementation of Good Corporate Governance for Commercial Bank Article 46 stated that for the Management the recommended remuneration policy at least should be in accordance with: B 'JOBODJBM QFSGPSNBODF BOE GVMmMNFOU PG SFTFSWFT JO compliance with the prevailing legislations; b. individual job performance; c. reasonableness of the peer group; and d. consideration of long-term goals and strategies Bank

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

504

DIREKSI

Skema Prosedur Remunerasi Direksi Strukture of Remuneration Procedure of the Board of Directors

KOMITE NOMINASI DAN REMUNERASI (KNR) Remuneration and Nomination Committee

Mengusulkan Dasar dan Besaran Remunerasi Propose the Basis and Amount of Remuneration

DEWAN KOMISARIS Board of Commissioners

Membahas usulan KNR dan mengusulkan besaran remunerasi kepada pemegang saham Discuss KNR proposal and propose remuneration to shareholders

RAPAT UMUM PEMEGANG SAHAM (RUPS) General Meetings of Shareholders (GMS)

Dewan Komisaris mendapatkan mandat menentukan besaran Gaji dan Tantiem atas arahan Pemegang Saham BOC gained a mandate to determine the amount of salary and tantiem under the direction of Shareholders

DEWAN KOMISARIS Board of Commissioners

Mengusulkan besaran gaji dan tantiem anggota Direksi dan mandat kepada RUPS Propose remuneration Salary and Tantiem of members of Board of Directors and mandate to GMS GAJI DAN TANTIEM ANGGOTA DIREKSI Salary and Tantiem of members of Board of Directors

Fasilitas dan Tunjangan Direksi dalam Satu Tahun • • • • • • • • • •

Gaji Tantiem Tunjangan hari raya Tunjangan hari tua Tunjangan pakaian dinas Fasilitas akomodasi dan transportasi perjalanan dinas Fasilitas kesehatan Fasilitas akomodasi penginapan Fasilitas komunikasi Insentif prestasi kerja

bank bjb Laporan Tahunan 2014

Facilities and allowances for the members of the Board of Directors in One Year • • • • • • • • •

Salary Bonus Religious Commemoration Allowance Old Age Allowance Uniform Allowance Business trip accommodation and transportation facilities Health facilities Housing facilities Communication facilities

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

505 BOARD OF DIRECTORS

• •

Asuransi jabatan Jamsostek (BPJS ketenagakerjaan)

• • •

Incentives for work performance Position Insurance Jamsostek (BPJS)

Struktur Remunerasi Direksi Remuneration Structure of the Board of Directors No

Jumlah Diterima dalam 1 Tahun Number of Received in 1 Year

Jenis Remunerasi dan Fasilitas Lain

Direksi Board of Directors Orang/People

1

Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya dalam bentuk non natura)

2

Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi, kesehatan dan TFCBHBJOZB ZBOH 



Remuneration and Other Facilities

Jutaan/Million Rupiah 56.363

Remuneration (salary, bonus, routine allowances, bonuses, and other facilities in the form of non-natura) Other facilities in kind (housing, transportation, JOTVSBODF IFBMUIBOETPPO XIJDI 

a. Dapat dimiliki

225



b. Tidak dapat dimiliki

a. Be owned b. Can not be held

Total

56.864

Total

) Dinilai dalam ekivalen Rupiah  1FOHBOHLBUBO TBUV %JSFLUVS6UBNBEBO FOBN %JSFLUVSTFTVBJEFOHBO"LUB Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., Nomor 219, 220, 221, tanggal 19 Desember 2014

"TTFTTFEJOUIFFRVJWBMFOUBNPVOU 5IFBQQPJOUNFOUPGPOF  %JSFDUPSBOETJY  %JSFDUPS(FOFSBM.FFUJOH in accordance with the Deed of Extraordinary Shareholders Java Regional Development Bank

Anggota Dewan Komisaris dan Direksi yang menerima paket remunerasi dalam satu tahun yang dikelompokkan dalam kisaran tingkat penghasilan, sebagai berikut:

Members of the Board of Commissioners and Board of Directors who received the package remuneration in the year, which are grouped into range of income levels, as follows:

(satuan orang) Jumlah Remunerasi per orang dalam 1 tahun *)

(unit of person) Jumlah Direksi Total Board of Directors

Jumlah Dewan Komisaris Total Board of Commissioners

Total Remuneration each person in year ended *)

Di atas Rp2 miliar

5

6

Above Rp2 billion

Di atas Rp1 miliar s.d. Rp2 miliar

2

-

Above Rp1 bilion - Rp2 billion

Di atas Rp500 juta s.d. Rp1 miliar

-

-

Above Rp500 milion - Rp1 billion

Rp500 juta ke bawah

5

2

Less than Rp500 million

%JOJMBJEBMBNFLVJWBMFOSVQJBIin rupiah equivalent

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

506

KOMITE DI BAWAH KOORDINASI DIREKSI COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

Komite Direksi

Directors Committees

Hingga akhir tahun 2014, Direksi Perseroan dibantu oleh: 1. Komite Manajemen Risiko 2. Komite Kebijakan Kredit 3. Komite Pengarah Teknologi Informasi 4. ALCO (Asset Liability Committee) 5. Tim Peneliti dan Pertimbangan Masalah Kepegawaian (TPPMK)

By the end of 2014, the Board of Directors were assisted by: 1. Risk Management Committee 2. Credit Policy Committee 3. Information Technology Steering Committee 4. ALCO (Asset Liability Committee) 5. Personal Issues and Considerations Research Team (TPPMK)

Komite Manajemen Risiko

Risk Management Committee

Pembentukan Komite Manajemen Risiko telah disahkan melalui Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk nomor 580/SK-DIR/ MR/2011 tentang Pembentukan Anggota Susunan Tim ALCO, CPC, dan RMC Perseroan.

The establishment of the Risk Management Committee has been stipulated by the Decree of the Board of Directors of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk No. 580/SK-DIR/MR/2011 on the Company’s ALCO, CPC, and RMC Team Member Structure Formation.

Adapun Susunan Anggota Komite Perseroan adalah sebagai berikut:

The composition of the Risk Management Committee Member of bank bjb is as follows:

Manajemen

Risiko

Posisi

Position

Ketua

Direktur Utama | President Director

Chairman

Wakil Ketua

Direktur Kepatuhan dan Manajemen Risiko | Managing Director – Compliance and Risk Management

Sekretaris

Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division

Anggota Permanen:

Permanent Members:

1. 2. 3. 4. 5. 6. 7. 8. 9.

1. 2. 3. 4. 5. 6. 7. 8. 9.

Direktur Operasi Direktur Konsumer Direktur Komersial Direktur Treasury & International Pemimpin Divisi Perencanaan Strategis Pemimpin Divisi Kepatuhan dan Hukum Pemimpin Divisi Audit Internal Pemimpin Divisi Pengendalian Keuangan Pemimpin Divisi Credit Risk Reviewer

Vice Secretary

Operations Director Consumers Director Commercial Director Director of Treasury & International Head of Strategic Planning Division Head of Legal and Compliance Division Head of Internal Audit Head of Finance and Accounting Division Head of Credit Risk Reviewer Division

Anggota Non Permanen:

Non Permanent Members:

1. Pemimpin Divisi KPR & Mortgage 2. Pemimpin Divisi Jaringan dan Layanan 3. Pemimpin Divisi SDM 4. Pemimpin Divisi Treasuri 5. Pemimpin Divisi Internasional 6. Pemimpin Divisi korporasi & Komersial 7. Pemimpin Divisi Kredit Konsumer 8. Pemimpin Divisi Dana Jasa Konsumer 9. Pemimpin Divisi Mikro 10. Pemimpin Divisi Umum 1FNJNQJO%JWJTJ$IBOHF.BOBHFNFOU0GmDF 12. Pemimpin Divisi Pendidikan & Pelatihan 13. Pemimpin Divisi Manajemen Anak Perusahaan

1. Head of Housing & Mortgage Division 2. Head of Networking and Services Development Division 3. Head of HR Division 4. Head of Treasury Division 5. Head of International Division 6. Head of Corporation and Commercial Division 7. Head of Consumers Division 8. Head of Fund Consumer Services Division 9. Head of Micro Division 10. Head of General Division )FBEPG$IBOHF.BOBHFNFOU0GmDF%JWJTJPO 12. Head of Learning & Training Division 13. Head of Subsidiary Management Division

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

507

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

14. Pemimpin Divisi Corporate Secretary 15. Pemimpin Divisi Institutional Banking 16. Pemimpin Divisi Teknologi Informasi 17. Pemimpin Unit Card Center 18. Pemimpin Unit Electronic Banking 19. Kesatuan Satuan Kerja Penyelamatan dan Penyelesaian Kredit.

14. Head of Corporate Secretary Division 15. Head of Institutional Banking Division 16. Head of Information Technology Division 17. Head of Unit Card Center 18. Head of Unit Electronic Banking 19. Unit Rescue and Credit Settlement

Pedoman Komite Manajemen Risiko

Guidelines for Risk Management Committee

Pedoman kerja dan prosedur pelaksanaan Komite Manajemen Risiko diatur dalam Pedoman Komite Manajemen Risiko sesuai SK Direksi nomor 968/SK/DIR-MR/2014 tentang Pedoman Komite Manajemen Risiko tanggal 8 Desember 2014.

Guidelines and procedures for the implementation of the Risk Management Committee is set in the Code of Risk Management Committee according to the Decree of Directors number 968/SK/DIR-MR/2014 on Guidelines for Risk Management Committee dated December 8, 2014.

DEWAN KOMISARIS Board of Commissioners

KOMITE MANAJEMEN RISIKO Risk Management Committee

DIREKSI Board of Directors

Pengawasan

DIREKTUR KEPATUHAN & MANAJEMEN RISIKO Director of Compliance & Risk Management

DIVISI MANAJEMEN RISIKO Risk Management Division

Unit Bisnis Tresuri & Likuiditas Risiko Pasar & Likuiditas Business Treasury & Liquidity Unit Market & Liquidity Risk

DIVISI KEPATUHAN & HUKUM Compliance & Legal Division

Unit Bisnis mengelola Risiko atas kegiatan harian Daily activity risk handled by Business Unit

Operasional

Unit Bisnis Kredit Risiko kredit Business Credit Unit Credit Risk

• Memantau batas/kebijakan risiko • Mempersiapkan laporan kelebihan batas risiko • Monitor the limit/policy risk • Prepare reports of excess risk limit

• •

Divisi pada Kantor Pusat, Unit Grup pada Kantor Wilayah dan Kantor Cabang-Pemantauan Risiko Operasional Setiap Divisi di Kantor Pusat/Unit Grup di Kantor Wilayah dan Cabang betanggung jawab mengelola risiko di Divisi/Wilayah/ Cabang masing-masing t %JWJTJPOJO)FBE0GmDF (SPVQ6OJUJO3FHJPOBM0GmDFBOE#SBODI0GmDFo3JTL0QFSBUJPOT.POJUPSJOH t &WFSZ%JWJTJPOJO)FBE0GmDF(SPVQ6OJUJO3FHJPOBMBOE#SBODI0GmDFBSFSFTQPOTJCMFGPSNBOBHJOHSJTLTJOFBDI%JWJTJPO Region/Branch

Struktur Komite Manajemen Risiko

Structure of Risk Management Committee

Struktur organisasi menjelaskan kegiatan usaha Bank dan telah menetapkan jalur pelaporan dan fungsi yang jelas dari satuan kerja operasional kepada satuan kerja yang melaksanakan fungsi pengendalian intern. Ruang lingkup pengendalian intern yang tidak termasuk dalam fungsi pengambil keputusan

The organizational structure explains the Bank’s business activities and has determined the reporting paths and a clear function of operational task force to task force in charge of conducting internal control. The divisions which do not have roles on the decision making are Compliance and Legal

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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KOMITE DI BAWAH KOORDINASI DIREKSI

adalah Divisi Kepatuhan dan Hukum, Divisi Audit internal serta Divisi Manajemen Risiko dimana tugas dan fungsinya tidak mengambil keputusan pada kegiatan usaha Bank.

Division, Internal Audit Division and Risk Management Division, whose taks and function are not to take a decision in the Bank’s business activities.

Tugas pokok Komite Manajemen Risiko berdasarkan Surat Keputusan Direksi tersebut di atas sekurang-kurangnya meliputi: 1. Penyusunan kebijakan manajemen risiko serta perubahannya, termasuk strategi manajemen risiko dan contingency plan dalam kondisi eksternal tidak normal terjadi; 2. Perbaikan dan penyempurnaan penerapan Manajemen Risiko yang dilakukan secara berkala maupun insidentil sebagai akibat dari suatu perubahan kondisi eksternal dan internal Bank yang mempengaruhi kecukupan QFSNPEBMBO EBO QSPmM SJTJLP #BOL EBO IBTJM FWBMVBTJ terhadap efektivitas penerapan tersebut; 3. Penetapan (KVTUJmDBUJPO) atas hal-hal yang terkait dengan keputusan-keputusan bisnis yang menyimpang dari prosedur normal (irregularities), seperti keputusan QFMBNQBVBOFLTQBOTJVTBIBZBOHTJHOJmLBOEJCBOEJOHLBO dengan rencana bisnis Bank yang telah ditetapkan sebelumnya atau pengambilan posisi/eksposur risiko yang melampaui limit yang telah ditetapkan; 4. Menetapkan perubahan materi yang terdapat pada kebijakan dan prosedur penerapan manajemen risiko; 5. Melakukan evaluasi terhadap penerapan model-model pengukuran risiko bank; 6. Memastikan dilakukannya pengawasan risiko melalui penetapan toleransi atau limit risiko yang dapat diterima serta alokasi modal terkait cadangan risiko untuk seluruh kegiatan operasional bank; 7. Mengkoordinasikan dan memantau seluruh strategi manajemen risiko; 8. Menyetujui strategi manajemen risiko yang melampaui kewenangan pimpinan satuan kerja operasional; 9. Menilai keseluruhan komposisi risiko dalam portofolio bank; 10. Mengkaji proposal mengenai produk dan aktivitas baru dan menilai kemampuan bank untuk melaksanakan produk dan aktivitas baru tersebut; 11. Melakukan evaluasi terhadap penyusunan contingency plan dalam kondisi tidak normal (worst case skenario) ; 12. Melakukan pemantauan kecukupan permodalan bank terhadap risk exposure sesuai ketentuan Bank Indonesia yang berlaku; 13. Mengevaluasi efektivitas pelaksanaan manajemen risiko.

The main tasks of the Risk Management Committee is based on the above-mentioned Decree of the Board of Directors and shall at least include: 1. The formulation of risk management policies and their changes, including strategy of risk management and contingency plan for extraordinary external condition; 2. Improving and enhancing the implementation of Risk Management which are conducted periodically and incidentally as a result of a change in the external and internal condition of the Bank that affects the Bank’s capital BEFRVBDZBOESJTLQSPmMFBOEUIFSFTVMUPGFWBMVBUJPOPO the effectiveness of the implementation;  +VTUJmDBUJPO PG UIJOHT MJOLFE XJUI CVTJOFTT EFDJTJPOT breaching from procedures (irregularities), such as the decision which lead to expansion of Bank business TJHOJmDBOUMZFYDFFEJOHUIFMJNJUJOJUJBMMZEFUFSNJOFE PSUP take risk at level more than the limit determined previously; 4. Determining change of materials stipulated at policies and procedures of risk management implementation; 5. Perform evaluation on the implementation of models in measuring bank risks; 6. Ensuring the implementation of supervision of risk management by establishing the limit of acceptable risks as well as allocation of capital associated with reserve of risks from all of bank operational activities; 7. Coordinating and supervising all risk management strategies; 8. Approving risk management strategies which exceeds the authorities of chief of operational task force unit; 9. Evaluating the overall risk composition in the bank’s portfolio; 10. Reviewing the proposals on new products and activities, bank capability to promote the new products and activities; 11. Evaluating on the composing of the contingency plant in worst case scenario; 12. Overseeing capital adequacy of bank against the risk exposure in with the applicable regulation of Bank Indonesia; 13. Evaluating effectiveness of the implementation of risk management

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

+VTUJmLBTJ ZBOH EJTBNQBJLBO EBMBN CFOUVL SFLPNFOEBTJ kepada Direktur Utama berdasarkan suatu pertimbangan bisnis dan hasil analisis yang terkait dengan transaksi atau kegiatan usaha Bank tertentu sehingga memerlukan adanya penyimpangan terhadap prosedur yang telah ditetapkan oleh Bank. Rekomendasi yang diberikan oleh Komite Manajemen Risiko harus mencerminkan suatu kesepakatan diantara para anggota komite.

+VTUJmDBUJPO DPOWFZFEJOUIFGPSNPGSFDPNNFOEBUJPOUPUIF President Director, is based on business recommendations and analysis results related to certain transactions or activities of the Bank so that it requires a violation of procedures already established by the Bank. Recommendation given by the Risk .BOBHFNFOU $PNNJUUFF TIBMM SFnFDU BO BHSFFNFOU BNPOH the members of committee.

Berdasarkan Kebijakan Manajemen Risiko bank yang berlaku, Bank membagi aktivitas usahanya (bisnis dan pendukung) menjadi sebagai berikut: 1. Perkreditan 2. Tresuri dan Investasi 3. Pembiayaan Trade Finance dan Garansi Bank 4. Pendanaan dan Instrumen Hutang 5. Operasional Layanan 6. Jasa Layanan 7. Sistem Informasi Manajemen 8. Teknologi Sistem Informasi 9. Pengelolaan SDM 10. Sistem Pengendalian Internal.

Based on the applicable Risk Management Policy of the bank, the Bank categorises its business activities (business and supporting activities) as follows: 1. Credit 2. Treasury and Investment 3. Trade Finance and Bank Guarantee 4. Funding and Debt Instrument 5. Service Operation 6. Services 7. Management Information System 8. Information System Technology 9. Human Resouces Management 10. Internal Control System

Dalam rangka peningkatan efektivitas dan fokus pembahasan setiap permasalahan bank yang timbul dan diangkat kepada level Komite, Bank memiliki 3 (tiga) besaran sub komite yakni sebagai berikut: • Risk Management Committee (RMC), Credit Risk Committee (CRC), Operational Risk Committee (ORC), Market & Liqudity Risk Committee (MRC), SSG – MRC, SSG – CRC, dan SSG – ORC. Bank mengelompokkan pembahasan atas permasalahan terkait risiko yang terkandung dalam aktivitas usaha diatas ke dalam 3 (tiga) sub komite. Penjelasan atas masing-masing komite tersebut adalah sebagai berikut: 1. Risk Management Committee merupakan Komite Utama serta tertinggi dan digunakan sebagai forum pengambil keputusan dari seluruh pelaksanaan kegiatan komite di bawahnya. Komite ini bersifat top level committee dalam struktur organisasi RMC; 2. Market & Liquidity Risk Committee merupakan komite yang fokus terhadap pembahasan atas permasalahanpermasalahan dari aktivitas usaha bankyang memiliki Inheren Risk berasal dari Risiko Pasar dan Risiko Likuiditas. Komite ini bersifat middle level committee dalam struktur organisasi RMC;

In order to increase the effectiveness and focus of discussion for every banking issues which are raised at Committee level, the Bank has 3 sub-committees they are as follow: • Risk Management Committee (RMC), Credit Risk Committee (CRC), Operational Risk Committee (ORC), Market & Liqudity Risk Committee (MRC), SSG – MRC, SSG – CRC, dan SSG – ORC. The Bank groups the discussion for the settlement of problems linked to risks of business activities above into three sub-committees. The explanation for each sub-committees are as follows: 1. Risk Management Committee is the Main Committee and ranks the highest, and is used as a forum for decision making from all the implementation of committee activities below it. This committee is a top level committee in the RMC organization structure; 2. Market & Liquidity Risk Committee is a committee focusing on the discussion for the settlement of problems appearing from the bank business activities which have Inherent Risk deriving from Market Risk and Liquidity Risk. This committee is categorized as a middle level committee in the RMC organizational structure.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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KOMITE DI BAWAH KOORDINASI DIREKSI

3. Credit Risk Committee merupakan komite yang fokus terhadap pembahasan atas permasalahanpermasalahan dari aktivitas usaha bank yang memiliki Inherent Risk berasal dari Risiko Kredit. Komite ini bersifat middle level committee dalam struktur organisasi RMC; 4. Operational Risk Committee merupakan komite yang fokus terhadap pembahasan atas permasalahanpermasalahan dari aktivitas usaha bank yang memiliki Inherent Risk berasal dari Risiko Operasional dan Risiko Lainnya (Risiko Strategik, Risiko Reputasi, Risiko Hukum dan Risiko Kepatuhan).

3. Credit Risk Committee is a committee focusing on the discussion for the settlement of issues from the business activities of the bank which have Inherent Risk EFSJWJOHGSPN$SFEJU3JTL5IJTDPNNJUUFFJTDMBTTJmFE as a middle level committee in the RMC organizationa structure; 4. Operational Risk Committee is a committee focusing on the discussion for settlement of problems from the business activities of the bank which have Inherent Risk deriving from Operational Risk and Other Risks (Strategy Risk, Reputation Risk, Legal Risk and Compliance Risk).

Komite Kebijakan Kredit

Credit Policy Committee

Pembentukan Komite Kebijakan Kredit telah disahkan melalui Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk nomor 580/SK/DIR-MR/2011 tanggal 13 Oktober 2011 tentang Pembentukan Anggota Susunan Tim ALCO, CPC, dan RMC Perseroan.

The establishment of Credit Policy Committee was approved by Decree of Directors of PT Bank Pembangunan Daerah Jawa Baratdan Banten Tbk Number 580/SK/DIR-MR/2011 dated October 13,2011 on the bank bjb Formation of Structure Members of ALCO, CPC, and RMC team.

Susunan Komite Kebijakan Kredit adalah sebagai berikut:

The composition of the Credit Policy Committee is as follows:

Posisi

Position

Ketua

Direktur Utama | President Director

Chairman

Wakil Ketua

Direktur Kepatuhan dan Manajemen Risiko | Managing Director – Compliance and Risk Management

Sekretaris

Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division

Vice Secretary

Anggota Permanen:

Permanent Members:

1. Direktur Treasury & International 2. Direktur Komersial 3. Direktur Konsumer 4. Pemimpin Divisi Korporasi & Komersial 5. Pemimpin Divisi Konsumer 6. Pemimpin Divisi Mikro 7. Pemimpin Unit Card Center & Electronic Banking 8. Pemimpin Divisi Treasury 9. Pemimpin Divisi Kepatuhan dan Hukum 10. Pemimpin Divisi Audit Internal 11. Pemimpin Divisi Perencanaan Strategis 12. Pemimpin Divisi Internasional 13. Pemimpin Divisi Credit Risk Reviewer

1. Director of Treasury & International 2. Commercial Director 3. Consumers Director 4. Head of Corporation and Commercial Division 5. Head of Consumers Division 6. Head of Micro & Retail Division 7. Head of Card Centre & Electronic Banking Division 8. Head of Treasury Division 9. Head of Legal and Compliance Division 10. Head of Internal Audit 11. Head of Strategic Planning Division 12. Head of International Division 13. Head of Credit Risk Reviewer Division

Anggota Non Permanen:

Non Permanent Members:

1. 2. 3. 4. 5.

1. 2. 3. 4. 5.

Pemimpin Divisi Jaringan dan Pengembangan Layanan Pemimpin Divisi Pengendalian Keuangan Pemimpin Divisi SDM Pemimpin Divisi Manajemen Anak Perusahaan Pemimpin Divisi Layanan Operasional

bank bjb Laporan Tahunan 2014

Head of Networking and Services Development Division Head of Accounting Division Head of HR Division Head of Subsidiary Management Division Head of Operations Services Division

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

Komite Kebijakan Kredit memiliki tugas pokok sebagai berikut: 1. Merumuskan dan menetapkan permasalahan yang CFSTJGBU TJHOJmLBO EBO NBUFSJBM  NFMJQVUJ QFOZVTVOBO kebijakan kredit beserta perubahannya, perbaikan atau penyempurnaan penerapan termasuk strategi kebijakan kredit serta contingency plan apabila terdapat kondisi yang tidak normal. 2. Menetapkan hal-hal yang terkait dengan keputusan bisnis yang menyimpang dari prosedur normal di bidang kredit, antara lain keputusan pelampauan ekspansi kredit yang TJHOJmLBO EJCBOEJOHLBO EFOHBO SFODBOB CJTOJT #BOL yang telah ditetapkan sebelumnya. 3. Merumuskan kebijakan perkreditan berdasarkan hal-hal khusus yang dikehendaki (risk appetite) yang berkaitan dengan: a. Target market dan porsi b. Segmentasi c. Risk Mitigation d. Maksimum hapus buku 4. Merumuskan limit kewenangan memutus kredit. 5. Menetapkan kebijakan dalam hal kredit bermasalah berupa: reconditioning, a. Penyelamatan (rescheduling, restructuring), atau b. Penyelesaian melalui proses di pengadilan ataupun proses di luar pengadilan. 6. Mengawasi pelaksanaan KPB secara konsisten serta merumuskan pemecahan masalah apabila terdapat hambatan/kendala dalam penerapan KPB. 7. Melaksanakan pengkajian/evaluasi secara berkala terhadap KPB dan memberikan saran kepada Direksi apabila diperlukan perubahan atau penambahan KPB. 8. Melaksanakan pengkajian terhadap efektivitas Sistem Pengendalian Internal Perkreditan secara berkala. 9. Memantau serta memberikan saran atas perencanaan dan pelaksanaan training di bidang perkreditan. 10. Memantau dan mengevaluasi: a. Perkembangan dan kualitas portofolio perkreditan secara keseluruhan termasuk perkembangan dan kualitas kredit yang diberikan kepada pihak yang terkait dengan Bank dan debitur-debitur besar tertentu. b. Pelaksanaan kewenangan memutus kredit dan ketentuan BMPK (Batas Maksimum Pemberian Kredit). c. Kepatuhan terhadap ketentuan perundang-undangan dan peraturan lainnya dalam pelaksanaan pemberian kredit. d. Penyelesaian kredit bermasalah sesuai dengan yang ditetapkan dalam KPB.

Credit Policy Committee has the following main tasks:  'PSNVMBUF BOE EFmOF JTTVFT UIBU BSF TJHOJmDBOU BOE material, including the preparation of credit policy and amendments thereto, including the repair or improvement of the implementation of credit policy strategy and contingency plan if an abnormal condition occurs. 2. Specify matters related to business decisions that deviate from normal procedures in the areas of credit, including TJHOJmDBOUFYDFTTPGDSFEJUFYQBOTJPOEFDJTJPOTDPNQBSFE with the Bank’s business plan which has been previously established. 3. Formulate a credit policy based on risk appetite relating to: a. Target market dan portion b. Segmentation c. Risk Mitigation d. Maximum write off 4. Formulating the authorized limit of credit 5. Established a policy for non performing loans in the form: a. Rescue (rescheduling, reconditioning, restructuring), or b. Settlement through the in court or out of court processes. 6. Consistently monitor the implementation of the CDE and formulate a basis if there is a problem-solving barriers/ obstacles in the implementation of CDE. 7. Conduct the assessment/evaluation on a regular basis to CDE and provide advice to the Board of Directors when required changes or additions to CDE are needed. 8. Carry out the assessment on the effectiveness of Internal Control System for Credit periodically. 9. Monitor and provide advice on the planning and JNQMFNFOUBUJPOPGUSBJOJOHJOUIFmFMEPGDSFEJU 10. Monitor and evaluate: a. Developments and the overall quality of credit portfolio including the development and the quality of loans to parties related to the Bank and certain large debtors. b. Authority to decide the implementations of credit and the provision of LLL (Legal Lending Limit). c. Compliance with applicable laws and other regulations in the implementation of lending. d. Settlement of non performing loans in accordance with UIBUTQFDJmFEJOUIF$%&

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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KOMITE DI BAWAH KOORDINASI DIREKSI

e. Kepatuhan dalam memenuhi ketentuan mengenai kecukupan Cadangan Kerugian Penurunan Nilai (CKPN). f. Debitur-debitur besar tertentu dan kredit yang berada dalam daftar kredit dalam pengawasan khusus. g. Pencapaian target Rencana Kerja dan Pengawasan Kredit Bermasalah.

e. Compliance in meeting the terms of the adequacy of Reserves for Impairment Losses (CKPN). f. Certain large debtors and loans that are in the list of credits under special surveillance. g. Achievement of Work Plan targets and Monitoring of Non Performing Loans.

Komite Pengarah Teknologi Informasi

Information Committee

Technology

Pembentukan Komite Pengarah Teknologi Informasi telah disahkan melalui Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor 280/SK/DIR-TI/2011 tentang Perubahan Pembentukan Komite Pengarah Teknologi Informasi tanggal 28 April 2011.

Establishment of Information Technology Steering Committee (ITSC) was approved by Decree of Directors of PT Bank Pembangunan Daerah Jawa Barat dan Banten no. 0280/SK/ DIR-TI/2011 on the establishment of Information Technology Steering Committee dated April 28, 2011.

Berdasarkan SK Direksi tersebut, susunan Komite Pengarah Teknologi Informasi adalah sebagai berikut:

Based on the decree of Directors, the composition of ITSC members are as follows:

Posisi

Steering

Position

Pengarah

Direktur Utama | President Director

Ketua

Direktur Operasi | Managing Director – Operation

Steering

Wakil Ketua

Direktur Kepatuhan dan Manajemen Risiko | Managing Director – Compliance and Risk Management

Sekretaris

Pemimpin Divisi Teknologi Informasi | Head of Information Technology Division

Chairman

Anggota Permanen:

Permanent Members:

• • • •

• • • •

Pemimpin Divisi Manajemen Risiko Pemimpin Divisi Layanan Operasional Pemimpin Divisi Pengendalian Keuangan Pemimpin Unit Card Center dan Electronic Banking

Vice Secretary

Head of Risk Management Head of Operation Services Head of Finance & Accounting Head of Card Center and Electronic Banking

Anggota Non Permanen:

Non Permanent Members:

Pemimpin Divisi lainnya yang berkaitan dengan pembahasan agenda Rapat Komite.

Other division leaders associated with the discussion of the Committee Meeting agenda.

Wewenang dan tanggung jawab Komite Pengarah Teknologi Informasi adalah: 1) Rencana strategis TI (Information Technology Strategic Plan) yang sesuai dengan rencana strategis kegiatan usaha Bank. Dalam memberikan rekomendasi, komite IFOEBLOZB NFNQFSIBUJLBO GBLUPS FmTJFOTJ  FGFLUJWJUBT serta hal-hal sebagai berikut: a. Rencana pelaksanaan (road-map) untuk mencapai kebutuhan TI yang mendukung strategi bisnis Bank. Road map terdiri dari kondisi saat ini (current state), kondisi yang ingin dicapai (future state) serta langkahlangkah yang akan dilakukan untuk mencapai future state;

The authority and the responsibility of the Information Technology Steering Committee are as follow: 1) Information Technology Strategic Plan, which is aligned with the Bank’s strategic plan for its’ business activities. In providing recommendations, the Committee should take JOUP BDDPVOU UIF FGmDJFODZ  FGGFDUJWFOFTT  BOE BOZ PG UIF following: a. Implementation plan (road-map) to reach the IT needs that support the Bank’s business strategy. The road map consists of the current state, conditions to be achieved (future state) as well as measures adopted to achieve the future state;

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

2)

3)

4)

5)

6)

7)

8)

9)

b. Sumber daya yang dibutuhkan; c. Keuntungan/manfaat yang akan diperoleh saat rencana diterapkan. Perumusan kebijakan dan prosedur TI yang utama seperti kelayakan pengamanan TI dan manajemen risiko terkait penggunaan TI di Bank. Kesesuaian proyek-proyek TI yang disetujui dengan Rencana Strategis TI. Komite juga menetapkan status prioritas proyek TI yang bersifat kritikal (berdampak TJHOJmLBOUFSIBEBQLFHJBUBOPQFSBTJPOBM#BOL

NJTBMOZB pergantian core banking application, server production, dan topologi jaringan. Kesesuaian pelaksanaan proyek-proyek TI dengan rencana proyek (project charter) yang disepakati dalam service level agreement. Komite hendaknya melengkapi rekomendasi dengan hasil analisis dari proyek-proyek TI yang utama sehingga memungkinkan Direksi mengambil LFQVUVTBOTFDBSBFmTJFO Kesesuaian TI dengan kebutuhan sistem informasi manajemen yang mendukung pengelolaan kegiatan usaha Bank. Efektivitas langkah-langkah minimalisasi risiko atas investasi Bank pada sektor TI dan bahwa investasi tersebut memberikan kontribusi terhadap tercapainya tujuan bisnis Bank. Pemantauan atas kinerja TI dan upaya peningkatannya, misalnya dengan mendeteksi keusangan TI dan mengukur FGFLUJWJUBTEBOFmTJFOTJQFOFSBQBOLFCJKBLBOQFOHBNBOBO TI. Upaya penyelesaian berbagai masalah terkait TI yang tidak dapat diselesaikan oleh satuan kerja pengguna dan satuan kerja penyelenggara. Komite dapat memfasilitasi hubungan antara kedua satuan kerja tersebut. Kecukupan dan alokasi sumber daya yang dimiliki Bank. Apabila sumber daya yang dimiliki tidak memadai dan Bank akan menggunakan jasa pihak lain dalam penyelenggaraan TI maka Komite harus memastikan Bank telah memiliki kebijakan dan prosedur terkait.

Persyaratan Penyelenggaraan Rapat Komite Pengarah Teknologi Informasi, dalam setiap penyelenggaraan rapat Komite Pengarah Teknologi Informasi. Rapat dinyatakan sah bila dihadiri minimal oleh Ketua, Wakil Ketua, Sekretaris dan Anggota Permanen atau pejabat setingkat Pemimpin Bagian yang mewakilinya.

2)

3)

4)

5)

6)

7)

8)

9)

b. Necessary resources; D "EWBOUBHFTCFOFmUT HBJOFE XIFO UIF QMBO JT implemented. Formulation of major IT policies and procedures such as the feasibility of IT security and risk management in relation to the use of IT in the Bank. Suitability of IT projects which are approved by the IT Strategic Plan. The committee also set the priority status to *5QSPKFDUTUIBUBSFDSJUJDBM IBWFTJHOJmDBOUJNQBDUPOUIF operations of the Bank), such as core banking application change, server production, and network topology. Suitability of the implementation of IT projects with the project plan (project charter) as agreed in the service level agreement. The committee shall complement the recommendations with the analysis results of the main IT projects, allowing the Board of Directors to take decisions FGmDJFOUMZ Suitability of IT to the needs of management information systems that support the management of the Bank’s business activities. Effectiveness of risk minimization measures on the bank’s investment in the IT sector and ensuring the investment to contribute to the achievement of business objectives of the Bank. Monitoring of IT performance and its improvement FGGPSUT  GPS FYBNQMF  CZ EFUFDUJOH UIF *5 mOBODJBM TUBUVT BOE NFBTVSJOH UIF FGGFDUJWFOFTT BOE FGmDJFODZ PG UIF *5 security policy implementation. In resolving various IT related issues that can not be resolved by the user work units and provider work units. The Committee may facilitate the relationship between the work units. Adequacy and allocation of resources held by the Bank. If the resources is inadequate and the Bank will use the services of other parties in the implementation of IT, then the Committee shall ensure that the Bank has the related policies and procedures.

Implementation of requirements for Information Technology Steering Committee Meeting, in any organization of Information Technology Steering Committee meeting. Meeting declared validif attended by at least the Chairman, Vice Chairman, Secretary and Member of Permanent or Section Leader level PGmDJBMTXIPSFQSFTFOUIJN

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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KOMITE DI BAWAH KOORDINASI DIREKSI

Jadwal Kegiatan rapat Komite Pengarah Teknologi Informasi minimal satu kali dalam 3 (tiga) bulan atau dalam keadaan tertentu rapat dapat diadakan sewaktu-waktu. Rapat Komite Pengarah Teknologi Informasi harus dilengkapi dengan berita acara atau notulen rapat yang dilampiri daftar hadir peserta rapat dan dilaporkan kepada Direksi dan seluruh anggota Komite.

Schedule of Information Technology Steering Committee meeting at least once in 3 (three) months or in certain circumstances the meeting may be held at any time. Information Technology Steering Committee meetings shall be provided with the minutes or the minutes of the meeting are attached list of participants attended the meeting and reported to the Board of Directors and all members of the Committee.

ALCO (Asset Liability Committee)

ALCO (Asset Liability Committee)

Perseroan telah membentuk ALCO berdasarkan Surat Keputusan Direksi Nomor 790/SK/DIR-TRIS/2005 tanggal 20 Oktober 2005 tentang Pembentukan Tim ALCO dan SSGALCO PT Bank Jabar, dan Surat Keputusan Direksi Nomor 580/SK/DIR-MR/2011 tanggal 13 Oktober 2011 tentang Pembentukan Anggota Susunan Tim ALCO, CPC, dan RMC Perseroan.

bank bjb has established ALCO pursuant to the Directors Decree No. 790/SK/DIR-TRIS/2005 dated October 20, 2005 on the Establishment of ALCO and SSG-ALCO PT Bank Jabar, and the Directors Decree No. 580/SK/DIR-MR/2011 dated October 13, 2011 on the Formation of Structure Members of bank bjb’s ALCO, CPC, and RMC team.

Anggota ALCO Perseroan berdasarkan Surat Keputusan Direksi tersebut di atas adalah sebagai berikut: • Penanggung Jawab: Direksi • Ketua: 1. Direktur Treasury & Internasional 2. Direktur Komersial 3. Direktur Konsumer • Sekretaris: 1. Pemimpin Divisi Treasury 2. Pemimpin Divisi Manajemen Risiko • Anggota Permanen: 1. Pemimpin Divisi Korporasi & Komersial 2. Pemimpin Divisi Konsumer 3. Pemimpin Divisi Mikro 4. Pemimpin Divisi Perencanaan Strategis 5. Pemimpin Unit Card Center & Electronic Banking 6. Pemimpin Divisi Pengendalian Keuangan 7. Divisi Internasional 8. Pemimpin Divisi Institutional Banking 9. Pemimpin Divisi Credit Risk Reviewer 10. Pemimpin Divisi Jaringan & Pengembangan Layanan • Anggota Non Permanen: 1. Pemimpin Divisi Teknologi Informasi 2. Pemimpin Divisi Umum 3. Pemimpin Divisi Kepatuhan & Hukum 4. Pemimpin Divisi Corporate Secretary 5. Pemimpin Divisi SDM 6. Pemimpin Divisi Layanan Operasional 7. Pemimpin Divisi Pendidikan & Pelatihan  1FNJNQJO$IBOHF.BOBHFNFOU0GmDF

bank bjb ALCO members based on the Directors Decree of the above are as follows: • Responsible Member(s): Directors • Chairman: 1. Treasury & International Director 2. Commercial Director 3. Consumers Director • Secretary: 1. Head of Treasury Division 2. Head of Risk Management Division • Permanent Member: 1. Head of Corporate & Commercial Division 2. Head of Consumers Division 3. Head of Micro & Retail Division 4. Head of Strategic Planning Division 5. Head of Card Center & Electronic Banking Division 6. Head of Accounting & Finance Division 7. International Division 8. Head of Institutional Banking Division  )FBEPG$SFEJU3JTL3FWJFXFS%JWJTJPO 10. Head of Networking & Services Development Division • Non Permanent Member: 1. Head of Information Technology Division 2. Head of General Division 3. Head of Legal and Compliance Division 4. Head of Corporate Secretary Division 5. Head of HR Division 6. Head of Operations Services Division 7. Head of Learning & Training Division  )FBEPG$IBOHF.BOBHFNFOU0GmDF%JWJTJPO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

515

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

9. Pemimpin Divisi Audit Internal 10. Pemimpin Divisi Manajemen Anak Perusahaan 11. Pemimpin Kantor Wilayah

9. Head of Internal Audit Division 10. Head of Subsidiary Management Division )FBEPG3FHJPOBM0GmDFT

Susunan Tim Staf Suppoting Group (SSG) – ALCO • Ketua SSG ALCO: Pemimpin Divisi Treasury • Wakil Ketua: 1. Pemimpin Divisi Korporasi & Komersial 2. Pemimpin Divisi Konsumer 3. Pemimpin Divisi Manajemen Risiko • Sekretaris 1. Pemimpin Grup Manajemen Likuiditas & ALM 2. Pemimpin Grup Risiko Likuiditas & Pasar 3. Pemimpin Grup Komersial • Anggota: 1. Pemimpin Divisi Mikro 2. Pemimpin Unit Card Center & Electronic Banking 3. Pemimpin Divisi Internasional 4. Pemimpin Divisi Institusional Banking 5. Pemimpin Divisi Credit Risk Reviewer 6. Pemimpin Divisi Pengendalian Keuangan 7. Pemimpin Divisi Perencanaan Strategis 8. Pemimpin Grup Perencanaan Strategis 9. Pemimpin Grup Korporasi 10. Pemimpin Grup Supervisi Mikro & Ritel 11. Pemimpin Grup Treasury Trading 12. Pemimpin Grup Trade Finance & Services 13. Pemimpin Grup Operational TI 14. Pemimpin Grup Likuiditas 15. Pemimpin Grup Akutansi Manajemen 16. Pemimpin Grup Risiko Kredit 17. Pemimpin Grup Risiko Operasional 18. Pemimpin Grup Busines Legal 19. Pemimpin Grup Hubungan Investor 20. Pemimpin Grup KPR Business Process 21. Pemimpin Grup Pengembangan Produk & Prosedur, Divisi Mikro & Ritel 22. Pemimpin Grup Pengembangan Produk & Prosedur, Divisi Korporasi & Komersial 23. Pemimpin Grup Pengembangan Produk & Prosedur, Divisi Konsumer

Composition of Staff Supporting Group (SSG) – ALCO • Chairman SSG ALCO: Head of Treasury Division • Vice Chairman: 1. Head of Corporation & Commercial Division 2. Head of Consumers Division 3. Head of Risk Management Division • Secretary: 1. Head of Liquidity Management & ALM Group 2. Head of Liquidity & Market Risk Group 3. Head of Commercial Group • Member: 1. Head of Micro & Retail Division 2. Head of Card Center & Electronic Banking Division 3. Head of International Division 4. Head of Institutional Banking Division 5. Head of Credit Risk Reviewer Division 6. Head of Accounting & Finance Division 7. Head of Strategic Planning Division 8. Head of Strategic Planning Group 9. Head of Corporation Group 10. Head of Micro & Retail Supervision Group 11. Head of Treasury Trading Group 12. Head of Trade Finance & Services Group 13. Head of IT Operational Group 14. Head of Liquidity Group 15. Head of Management Accounting Group 16. Head of Credit Risk Group 17. Head of Operations Risk Group 18. Head of Legal Business Group 19. Head of Investor Relation Group 20. Head of Mortgage Business Process Group 21. Head of Product Development Group, Micro & Retail Division 22. Head of Products & Procedures Development, Corporate & Commercial Division 23. Head of Products & Procedure Development, Consumers Division

Tugas Pokok ALCO) Adalah: 1. Bertanggung jawab atas pencapaian rentabilitas Bank sesuai dengan target keuntungan (laba), pertumbuhan neraca dan beberapa ukuran rentabilitas yang telah ditetapkan dalam anggaran.

The Principal Tasks of ALCO:  3FTQPOTJCMFGPSUIFBDIJFWFNFOUPGUIFQSPmUBCJMJUZPGUIF #BOL JO BDDPSEBODF XJUI UIF UBSHFU QSPmU  CBMBODF TIFFU HSPXUI BOE TPNF NFBTVSF PG QSPmUBCJMJUZ UIBU IBT CFFO established in the budget.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

516

KOMITE DI BAWAH KOORDINASI DIREKSI

2. Melakukan rapat secara berkala minimum sebulan sekali untuk menilai, merencanakan, dan mengambil langkah berupa kebijaksanaan dan action plan untuk mengejar target rencana kerja dan anggaran dengan realisasi yang terjadi serta usulan kemungkinan perubahan anggaran. 3. Merumuskan dan memutuskan pricing strategy yang meliputi: a. Loan Pricing (Based Lending Rate, Time Deposit, Deposit On Call, dan lain-lain). b. Deposit Pricing (Demand Deposit, Time Deposit, Deposit On Call, dan lain-lain). c. Pricing Produk dan Jasa Bank Lainnya. 4. Melakukan rapat secara berkala untuk menilai, mengevaluasi performance Bank yang berkaitan dengan posisi gap management, batas Maksimum Pemberian Kredit (BMPK) dan Posisi Devisa Netto (PDN). 5. Mengevaluasi posisi risiko suku bunga Bank dan strategi Bank untuk memastikan bahwa hasil risk taking position Bank telah konsisten dengan tujuan pengelolaan risiko suku bunga. 6. Me-review secara periodik posisi likuiditas Bank dan merumuskan besarnya persentase likuiditas yang akan dipertahankan oleh Bank. 7. Me-review secara periodik posisi alokasi penempatan dana Bank pada aktiva yang menghasilkan (earning assets) dan merumuskan pada alokasi dana pada earning assets yang optimal. 8. Me-review secara periodik posisi sumber dana Bank dan merumuskan komposisi jenis-jenis sumber dana yang menghasilkan cost of funds yang optimal. 9. Me-review secara periodik posisi dan eksposure penempatan dana di pasar uang antarbank dengan menetapkan limit global besarnya aset Bank pada penempatan dana di pasar uang. 10. Me-review dan merencanakan secara periodik posisi kualitas portofolio perkreditan, juga menetapkan besarnya posisi Loan to Deposit Ratio (LDR) yang akan diambil Bank. 11. Melakukan pembahasan mengenai posisi permodalan Bank dalam upaya mencapai posisi Capital Adequacy Ratio yang ditentukan oleh Bank Indonesia dengan melaksanakan capital planning yang cermat. 12. Me-review pembahasan mengenai posisi/alokasi dana pada penyertaan dan investasi Bank pada surat-surat berharga, serta pada jumlah yang optimal atas harta tetap dan inventaris kantor. 13. Me-review deviasi antara hasil aktual dengan proyeksi anggaran dan rencana bisnis Bank. bank bjb Laporan Tahunan 2014

2. Conduct regular meetings once a month in minimum to assess, plan, and take stepas in the form of policy and action plan to pursue a work plan and budget targets with the realization that occur as well as possible changes in the proposed budget. 3. Formulate and decide on pricing strategy which includes: a. Loan Pricing (Based Lending Rate, Time Deposit, Deposit On Call, and others). b. Deposit Pricing (Demand Deposit, Time Deposit, Deposit On Call, and others). c. Pricing for other Products and Services of the Bank. 4. Conduct periodic meetings to assess, evaluate Bank performance associated with the gap position of management, Legal Lending limit (LLL) and Net Open Position (NOP). 5. Evaluating the Bank’s interest rate risk position and strategies of the Bank to ensure that the Bank’s risk-taking position has been consistent with the purpose of the interest rate risk management. 6. Periodically review the Bank’s liquidity position and formulate the percentage of liquidity to be maintained by the Bank. 7. Periodically review the allocation position of the Bank’s placement of funds in earning assets and formulate an optimal allocation of funds to earning assets. 8. Periodically review the Bank’s funding position and formulate the composition of the types of funding sources that generate the optimal cost of funds. 9. Periodically review the position and exposure of placement of funds in the interbank money market by setting a global limit on the amount of bank assets in money market placements. 10. Periodically review and plan the position of the credit quality portfolio, also determining the amount of Loan to Deposit Ratio (LDR) position to be taken by the Bank. 11. Conduct a discussion about the Bank’s capital position in an effort to reach the Capital Adequacy Ratio as determined by Bank Indonesia by implementing a thorough capital planning. 12. To review the discussion of the position/allocation of funds to the Bank’s investment in securities, as well as the PQUJNBMBNPVOUGPSmYFEBTTFUTBOEJOWFOUPSZPGPGmDF 13. To review the deviation between actual results with budget projections and business plans of the Bank.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

517

COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS

14. Menyampaikan informasi kepada Direksi mengenai setiap perkembangan ketentuan dan peraturan terkait yang mempengaruhi strategi dan kebijakan Bank. 15. Melaksanakan rapat-rapat lainnya yang diisyaratkan oleh perubahan-perubahan yang terjadi di pasar ataupun perubahan-perubahan dari segi regulasi pemerintahan yang terjadi secara tiba-tiba.

14. Convey information to the Board of Directors concerning any related rules and regulations developments that affect the Bank’s strategy and policy. 15. Implement other meetings that are suggested by changes that occur in the market or changes in terms of government regulation that occur suddenly.

Terdapat bBeberapa Ketentuan bagi Tim ALCO sebagai berikut: 1. Anggota ALCO terdiri dari anggota permanen dan non permanen. 2. Setiap anggota permanen mempunyai satu hak suara dalam proses pengambilan keputusan melalui voting, sedangkan anggota non permanen tidak mempunyai hak suara. 3. Hasil akhir proses voting merupakan suatu usulan Tim ALCO yang nantinya keputusan akhir ada dalam Rapat Direksi.

There are some Provisions for ALCO Team as follows:

Tim Peneliti dan Pertimbangan Kepegawaian (TPPMK)

Masalah

Personal Issues and Considerations Research Team (TPPMK)

Perseroan telah membentuk Tim Peneliti dan Pertimbangan Masalah Kepegawaian berdasarkan Surat Keputusan Direksi No. 106/SK/DIR-SDM/2008 tanggal 11 Februari 2008 tentang Pembentukan Tim Peneliti dan Pertimbangan Masalah Kepegawaian Bank Jabar Banten.

bank bjb has established a Research and Consideration of Personnel Issues Team based on bank bjb Directors Decree No. 106/SK/DIR-SDM/2008 dated February 11, 2008 on the Establishment of the Research Team and Consideration of Personnel Issues of Bank Jabar Banten.

1. ALCO members consist of permanent and non permanent members. 2. Each permanent member has one vote in the decision making process through voting, while the non-permanent members have no voting rights.  5IF mOBM SFTVMU PG UIF WPUJOH QSPDFTT JT B QSPQPTBM PG "-$05FBNUIBUXJMMIBWFJUTmOBMEFDJTJPOJOUIF#PBSEPG Directors Meeting.

Anggota TPPMK terdiri dari: Member of TPPMK consist of:

Posisi

Position

Ketua

Pemimpin Divisi SDM | Head of HR Division

Chairman

Wakil Ketua

Pemimpin Divisi Audit Intern | Head of the Internal Audit Division

Vice Chairman

Sekretaris

Pemimpin Bagian Administrasi SDM | Head of HR Administration

Secretary

Anggota: 1. Pemimpin Divisi Manajemen Risiko 2. Pemimpin Divisi Kepatuhan dan Hukum 3. Pemimpin Divisi dari Unit Bisnis terkait (narasumber)

Members: 1. Head of Risk Management Division 2. Head of Legal and Compliance Division 3. Head of related Business Units (sources)

TPPMK memiliki tugas dan tanggung jawab 1) Berdasarkan instruksi Direksi melaksanakan penelitian terhadap hasil temuan pengawasan/audit baik intern maupun ekstern yang memerlukan tindak lanjut dalam penetapan hukuman disiplin. 2) Memberikan saran/pertimbangan kepada Direksi mengenai tindak lanjut penetapan hukuman disiplin kepada pegawai yang terbukti lalai dan atau melanggar ketentuan-ketentuan yang berlaku.

Duties and Responsible of TPPMK 1) Based on the instruction of the Board of Directors to DPOEVDUSFTFBSDIPOUIFmOEJOHTBOENPOJUPSJOHBVEJUJOH results both internally and externally that requires followup in terms of determining disciplinary action. 2) Providing advice/ consideration to the Board of Directors on follow-ups to the determination of disciplinary punishment to employees who have been proven negligent and/ or violating the applicable rules.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

518

SEKRETARIS PERUSAHAAN CORPORATE SECRETARY

Agus Mulyana Sekretaris Perusahaan Corporate Secretary

Perseroan telah memiliki Divisi Sekretaris Perusahaan (Corporate Secretary), sebagaimana disyaratkan dalam Peraturan Bapepam-LK IX.I.4 perihal pembentukan Sekretaris Perusahaan dan berdasarkan Surat Keputusan Direksi bank bjb No. 0049/SK/DIR-SDM/2014 tanggal 3 Februari 2014 diputuskan bahwa Bapak Agus Mulyana yang dahulu menjabat sebagai Pemimpin Kanwil III dimutasikan sebagai Pemimpin Divisi Corporate Secretary Perseroan.

bank bjb’s has a division of Corporate Secretary, as required in the Regulation Bapepam-LK IX.I.4 concerning the establishment of the Corporate Secretary pursuant to bank bjb Directors Decree No. 695/DIR-SDM/2012 dated November 26, 2010, it was decided that the Mr. Agus Mulyana who formerly served as Head of Kanwil I was transferred as Division Head of Corporate Secretary bank bjb.

Riwayat hidup Sekretaris Perusahaan Perseroan adalah sebagai berikut:

bank bjb Corporate Secretary resume is as follows:

Nama Jabatan Karir di Perseroan Pendidikan Dasar Hukum Penunjukkan

Name Position Career in the Company Education Legal Based on

: : : :

Agus Mulyana Pemimpin Divisi Corporate Secretary Bekerja di Perseroan sejak 1991 S2 MM UNPAD Lulusan tahun 2007

: SK Direksi bank bjb No. 0049/ SK/DIR-SDM/2014 tanggal 3 Februari 2014 Pelatihan/Sertifkasi : BSMR Level 5 Tahun 2014

: Agus Mulyana : Corporate Secretary Division Chief

: Working in the Company since 1991 : S2 MM UNPAD 2007 : SK Directors bank bjb No. 0049/SK/ DIR-HR/2014 dated February 3, 2014 5SBJOJOH$FSUJmDBUJPO #4.3-FWFM5BIVO

Sekretaris Perusahaan bertanggung jawab terhadap komunikasi tentang informasi material Bank secara tepat waktu dan akurat kepada seluruh pemangku kepentingan. Pengumuman mengenai kondisi dan kinerja Perseroan telah sesuai dengan peraturan dan ketentuan serta Anggaran Dasar Perseroan.

Corporate Secretary is responsible for the communication of information material about Bank in a timely and accurate manner to all stakeholders. The announcement about the condition and performance of the Company is in accordance with the rules and regulations as well as the Articles of Associations of the Company.

Sejalan dengan prinsip keterbukaan dan ketentuan Bank Indonesia mengenai kewajiban pengungkapan informasi Bank, Sekretaris Perusahaan juga bertanggung jawab atas komunikasi dan penyampaian informasi yang penting mengenai Bank kepada Otoritas Perbankan, Moneter dan Pasar Modal, Pemegang Saham serta masyarakat umum sepanjang tahun 2014.

In line with principles of openness and Bank Indonesia provisions concerning Bank disclosure obligations, Corporate Secretary also responsible for communication and delivery of important information regarding the Bank to the Banking Authority, Monetary and Capital Markets, shareholders and the general public throughout the year 2014.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

519 CORPORATE SECRETARY

Sekretaris Perusahaan bertugas membantu Direksi terkait dengan akuntabilitas dan tanggung jawab Direksi atas permasalahan-permasalahan yang berkaitan dengan good corporate governance serta kegiatan sosial.

Corporate Secretary assists the Board of Directors in relations to the accountability and responsibilities of the Board of Directors on issues relating to good corporate governance and social activities.

Bidang tugas Sekretaris Perusahaan antara lain adalah: 1. Mengikuti perkembangan Pasar Modal, khususnya peraturan-peraturan yang berlaku di bidang Pasar Modal. 2. Memberikan pelayanan atas setiap informasi yang dibutuhkan pemodal yang berkaitan dengan kondisi Bank. 3. Memberikan masukan kepada Direksi untuk mematuhi ketentuan Undang-Undang Nomor 8 tahun 1995 tentang Pasar Modal dan peraturan pelaksanaannya. 4. Sebagai penghubung antara Perseroan dengan Bapepam-LK dan masyarakat.

5IFmFMEPG$PSQPSBUF4FDSFUBSZBSF BNPOHPUIFST 1. Follow the development of the Capital Market, especially the rules that apply in the Capital Market. 2. Provide services for any information needed by investors relating to the condition of the Bank. 3. Advise the Board of Directors to comply with the provisions of Law No. 8 of 1995 concerning Capital Market and its implementing regulations. 4. As a liaison between the Company and Bapepam-LK and the community.

Pelaksanaan Tugas Sekretaris Perusahaan Sepanjang tahun 2014, Sekretaris Perusahaan Perseroan telah melaksanakan kegiatan-kegiatan sebagai berikut: 1. Mempersiapkan rapat Dewan Komisaris dan Direksi, mencatat hasil rapat dan mendistribusikannya kepada pihak-pihak yang berkepentingan. 2. Mengirimkan pemberitahuan dan mempersiapkan segala sesuatu terkait dengan penyelenggaraan Rapat Umum Pemegang Saham dan mempublikasikan hasil keputusan rapat. 3. Menjaga hubungan baik dengan Otoritas Pasar Modal dan mempersiapkan laporan-laporan mengenai pengungkapan keterbukaan informasi Perseroan sesuai dengan ketentuan yang berlaku. 4. Melakukan koordinasi dan administrasi pencatatan kepemilikan saham dan tindakan korporasi. 5. Mengkoordinasikan kegiatan public relations dan marketing communications untuk Perseroan. 6. Mengelola dan melakukan kegiatan promosi produk dan jasa bank, termasuk pembuatan Buku Laporan Tahunan. 7. Mengelola hubungan kelembagaan (counterparty). 8. Mengkoordinasikan dan memantau tindak lanjut atas pengaduan nasabah. 9. Melaksanakan pembinaan cabang dalam bidang kehumasan, pengaduan nasabah, dan kesekretariatan. 10. Melaksanakan program CSR (Corporate Social Responsibility) sebagai wujud kepedulian dan kontribusi Perseroan terhadap peningkatkan kualitas hidup masyarakat sekitar.

Corporate Secretary Task Implementation Throughout 2014, the Corporate Secretary of the Company has implemented the following activities: 1. Preparing for the Board of Commissioners and Directors meeting, noting the results of the meeting and distribute it to the parties concerned. 2. Send notices and prepare for every matter that is related to the implementation of the General Meeting of Shareholders and publish the results of the meeting’s decision. 3. Maintaining good relations with the Capital Market authority and prepare reports on the Company’s information disclosure in accordance with the applicable regulations. 4. Coordination and administration of registration of ownership of shares and corporate actions. 5. Coordinate public relations activities and marketing communications for the Company. 6. Manage and conduct promotional activities of products and services of the bank, including the preparation of the Annual Reports Book. 7. Managing institutional relations (counter party). 8. Coordinate and monitor the follow-up on customer complaints.  $BSSZ PVU UIF CSBODI EFWFMPQNFOU JO UIF mFME PG QVCMJD relations, customer complaints, and secretarial. 10. Implement the CSR (Corporate Social Responsibility) program as a form of the Company’s awareness and contribute to the improvement of the quality of life of the surrounding community.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

520

SEKRETARIS PERUSAHAAN

11. Melaksanakan prinsip kehati-hatian dan kepatutan terhadap peraturan Bank Indonesia, peraturan perundangundangan, serta peraturan intern bank lainnya yang berlaku. 12. Melaksanakan program edukasi perbankan untuk masyarakat umum.

11. Implement the principle of prudence and propriety of the Bank Indonesia regulations, laws and regulations, as well as other bank’s internal regulations in force. 12. Implement educational programs on banking for the general public.

Struktur Organisasi Divisi Sekretaris Perusahaan Corporate Secretary Division Organization Structure DIREKTUR UTAMA President Director Ahmad Irfan

DIVISI SEKRETARIS PERUSAHAAN PEMIMPIN DIVISI

Division of Corporate Secretary Head Divison

Agus Mulyana

GRUP KESEKRETARIATAN DIREKSI BOD SECRETARY

GRUP HUBUNGAN INVESTOR INVESTOR RELATION

Jadi Kusmaryadi

Widi Hartoto

PEMIMPIN GRUP/ GROUP HEAD

PEMIMPIN GRUP/ GROUP HEAD

PEMIMPIN GRUP/ GROUP HEAD

GRUP HUBUNGAN MASYARAKAT PUBLIC RELATION

GROUP KESEKRETARIATAN EXECUTIVE DEWAN KOMISARIS BOC EXECUTIVE SECRETARY

M. Asadi Budiman

GROUP KOMUNIKASI PEMASARAN MARKETING COMMUNICATION

Titin Suartini

Susie M. Permatasari

PEMIMPIN GRUP/ GROUP HEAD

PEMIMPIN GRUP/ GROUP HEAD

GROUP CORPORATE SOCIAL RESPONSIBILITY (CSR) CORPORATE SOCIAL RESPONSIBILITY (CSR)

Saiful Rizal PEMIMPIN GRUP/ GROUP HEAD

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Manager

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Manager

•

Manager

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‡

2IÀFHU

‡

2IÀFHU

‡

2IÀFHU

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Staff

‡

2IÀFHU

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Staff

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Staff

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Staff

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Staff

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Secretary

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Staff

Program Pelatihan Peningkatan Kompetensi Sekretaris Perusahaan Tahun 2014 Competence Enhancement Training Program for Corporate Secretary in 2014 Nama Name Agus Mulyana

Program Pelatihan Training Program Seminar Nasional BPDSI 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

bank bjb Laporan Tahunan 2014

Lokasi/Location

Tanggal Mulai Start Date

Tanggal Selesai Finish Date

Jakarta

15-Dec-14

16-Dec-14

Bandung

20-May-14

20-May-14

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

521

KEPATUHAN COMPLIANCE

Kepatuhan terhadap Peraturan Bank Indonesia serta peraturan perundang-undangan lain yang berlaku wajib dilaksanakan oleh Dewan Komisaris, Direksi, dan seluruh pegawai dalam organisasi Bank. Kepatuhan harus dilihat sebagai fungsi yang merupakan bagian tak terpisahkan dari aktivitas bisnis Bank, karena setiap kegagalan pelaksanaan kepatuhan dapat menyebabkan risiko kepatuhan, risiko reputasi, dan risiko lainnya.

Compliance with Bank Indonesia Regulations as well as other applicable laws and regulations shall be carried out by the Board of Commissioners, Directors, and all employees in the organization of the Bank. Compliance should be viewed as a function that is an inseparable part of the Bank’s business activity, for every failure of compliance can lead to compliance risk, reputation risk, and other risks.

Kegiatan usaha Perseroan hingga saat ini terus mengalami perubahan dan peningkatan sejalan dengan perkembangan teknologi informasi, globalisasi dan intergrasi pasar keuangan, sehingga kompleksitas kegiatan usaha pun semakin tinggi. Kompleksitas kegiatan usaha bank yang semakin meningkat tersebut mengakibatkan tantangan dan eksposur risiko yang dihadapi juga semakin besar, maka diperlukan berbagai macam uoaya untuk memitigasi risiko tersebut. Upaya yang harus dilakukan oleh Satuan Kerja Kepatuhan adalah bersifat ex ante yang sangat diperlukan untuk mengurangi atau memperkecil potensi risiko kegiatan usaha bank yang diperkirakan akan terjadi.

The business activities of the Company to date continues to experience changes and improvements in line with the development of information technology, HMPCBMJ[BUJPO BOE JOUFHSBUJPO PG mOBODJBM NBSLFUT  IFODF the complexity of business activities is even higher. The complexity of the bank’s business activities has resulted in increasing challenges and exposure risks that are also getting bigger, it would require a wide range of efforts to mitigate these risks. Efforts that must be performed by the Compliance Unit is ex ante which is very necessary to reduce or minimize the potential risk of the bank’s business activities that are expected to occur.

Oleh karena itu, diperlukan adanya peningkatan peran dan Fungsi Kepatuhan serta Satuan Kerja Kepatuhan dalam pengelolaan risiko kepatuhan. Pengelolaan risiko kepatuhan yang baik dan tepat waktu diharapkan dapat meminimalisir dampak risiko sedini mungkin. Dengan demikian peran dan Fungsi Kepatuhan juga harus mampu mengelola Risiko Kepatuhan agar sejalan dengan penerapan Manajemen Risiko yang telah berjalan di bank secara keseluruhan.

Therefore, the increased role and Function of Compliance as well as the Compliance Unit in the management of compliance risk is required. Good and timely compliance risk management are expected to minimize the impact of risks as early as possible. Thus the role and function of Compliance must also be able to manage the Compliance Risk to be in line with the Compliance Risk Management application that has been implemented in the bank as a whole.

Sosialisasi GCG Tahun 2014

2014 GCG Socialization

Penerapan GCG diawali dengan penerapan budaya perusahaan yang didalamnya terdapat tata nilai atau nilai-nilai utama yang menjadi corporate value Perseroan.

GCG Implementation begins with the application of corporate culture in which there are values or principal values of which becomes the corporate value pf the Company.

Dalam mewujudkan komitmen untuk melaksanakan praktik-praktik GCG maka corporate value Perseroan dijabarkan dalam bentuk code of conduct (etika usaha dan tata perilaku) untuk menjadi acuan perilaku bagi Dewan Komisaris, Direksi dan seluruh pegawai Perseroan dalam mengelola perusahaan guna mencapai visi, misi dan tujuan perusahaan.

In realizing the commitment to implement GCG practices, the corporate value of the Company is set out in the form of code of conduct (work ethics and code of conduct) to be the behavioral reference for the Board of Commissioners, Directors, and all employees of the Company in managing the company to achieve the vision, mission and goals of the company.

Salah satu etika perilaku yang terdapat pada code of conduct yaitu standar etika untuk menghindari benturan kepentingan dan penyalahgunaan jabatan serta etika untuk tidak menerima

One of the ethical behaviour contained in the code of conduct JT UIF FUIJDBM TUBOEBSET UP BWPJE DPOnJDUT PG JOUFSFTU BOE BCVTFPGPGmDFBOEUIFFUIJDTUPOPUBDDFQUHSBUVJUJFTPGBOZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

522

KEPATUHAN

HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO jabatan, dan sebagaimana diketahui salah satu cakupan dalam pelaksanaan GCG yaitu penanganan benturan kepentingan.

LJOE SFMBUJOH UP UIF PGmDF  BOE BT LOPXO  POF PG UIF ($( JNQMFNFOUBUJPO DPWFSBHF JT JO UIF IBOEMJOH PG DPOnJDUT PG interest.

Maka dalam rangka implementasi standar etika pada code of conduct dan penanganan benturan kepentingan sebagai salah satu wujud penerapan Good Corporate Governance, 1FSTFSPBO NFOFSBQLBO 1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ sebagaimana kesepekatan kerja sama dengan pihak Komisi Pemberantasan Korupsi.

Therefore, in order to implement ethical standards in the code PGDPOEVDUBOEIBOEMJOHPGDPOnJDUTPGJOUFSFTUBTPOFGPSNPG Good Corporate Governance implementation, the Company BQQMJFT (SBUJmDBUJPO $POUSPM 1SPHSBN BT B DPPQFSBUJWF agreement with the Corruption Eradication Commission.

Fungsi Kepatuhan

Compliance Function

Pada Tahun 2011 telah disahkan Peraturan Bank Indonesia No. 13/2/PBI/2011 tanggal 12 Januari 2011 Tentang Pelaksanaan Fungsi Kepatuhan Bank Umum yang mana ketentuan PBI ini merevisi ketentuan mengenai Direktur Kepatuhan yang diatur dalam Peraturan Bank Indonesia No.1/6 /PBI/1999 tanggal 20 September 1999.

In 2011, Bank Indonesia Regulation No. 13/2/PBI/2011 dated 12 January 2011 on the Implementation of the Compliance Function Commercial Bank has been approved, in which the provisions of this regulation revises the provisions concerning the Compliance Director stipulated in Bank Indonesia Regulation No. 1/6/PBI/1999 dated 20 September 1999.

1) Sistem atau proses yang bertujuan untuk memastikan bahwa Bank telah mematuhi Peraturan Bank Indonesia, peraturan perundang-undangan lainnya yang berlaku, serta perjanjian atau komitmen dengan Bank Indonesia. 2) Mekanisme untuk melindungi Bank dari kewajiban yang ditimbulkan sehubungan adanya perjanjian/kerja sama dengan nasabah atau pihak lain yang dapat merugikan Bank.

1) System or process that aims to ensure that the Bank has complied with Bank Indonesia Regulations, other legislation in force, as well as agreements or commitments with Bank Indonesia. 2) The mechanisms to protect the bank from liability incurred in relation to the agreements/ cooperations with customers or other parties that may be detrimental to the bank.

'VOHTJ ,FQBUVIBO NFODBLVQ JEFOUJmLBTJ UBOHHVOH KBXBC kepatuhan, penilaian risiko kepatuhan, pengawasan, pemantauan, dan pelaporan pelaksanaan kepatuhan Bank kepada Bank Indonesia dan pihak terkait. Dalam melaksanakan fungsi kepatuhan tersebut, Perseroan telah membentuk unit khusus, yaitu Divisi Kepatuhan dan Hukum yang berada dibawah koordinasi Direktur Kepatuhan dan Manajemen Risiko, dimana Divisi Kepatuhan dan Hukum membawahi pula Bagian Kepatuhan yang mempunyai tugas melakukan uji kepatuhan atas setiap rancangan kebijakan/ keputusan, sistem dan prosedur, serta melakukan uji kepatuhan atas compliance sheet. Pemeriksaan selanjutnya akan dilaksanakan oleh Audit Intern untuk memastikan bahwa uji kepatuhan yang dilakukan oleh unit bersangkutan tersebut telah dilaksanakan dengan benar.

5IFDPNQMJBODFGVODUJPOJODMVEFTJEFOUJmDBUJPOPGDPNQMJBODF responsibilities, compliance risk assessment, supervision, monitoring, and reporting of the Bank’s compliance implementation to Bank Indonesia and other concerned parties. In performing the compliance function, bank bjb have formed a special unit, namely the Compliance and Legal Division under the coordination of the Director of Compliance and Risk Management, the Compliance and Legal Division also oversees the Compliance Section which has the task to test the compliance of each drafts of policy/ decision, systems and procedures, as well as compliance test to the compliance sheet. The next examination will be carried out by the Internal Audit to ensure that the compliance test conducted by the concerned units have been implemented correctly.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

523 COMPLIANCE

A. Fungsi Direktur yang Membawahkan Fungsi Kepatuhan a. Mewujudkan terlaksananya Budaya Kepatuhan pada semua tingkatan organisasi dan kegiatan usaha Bank. b. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank. c. Memastikan agar kebijakan, ketentuan, sistem, dan prosedur serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah, dan d. Memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada Bank Indonesia dan/atau otoritas pengawas lain yang berwenang.

A. Function of Director who Heads the Compliance Function a. Realize the implementation of the Compliance Culture at all levels of the organization and activities of the Bank’s business. b. Managing Compliance Risks faced by the Bank. c. Ensure that policies, rules, systems and procedures as well as business activities are conducted by the Bank in accordance with the provisions of Bank Indonesia and the legislation in force, including Sharia Principles for Sharia Banking and Sharia Business Units, and d. Ensure the compliance of the Bank towards the commitments made by Bank to Bank Indonesia and/or other regulatory authority.

B. Tugas Direktur yang Membawahkan Fungsi Kepatuhan Tugas dan tanggung jawab Direktur yang membawahkan Fungsi Kepatuhan, paling kurang mencakup: a. Merumuskan strategi guna mendorong terciptanya Budaya Kepatuhan Bank; b. Mengusulkan kebijakan kepatuhan atau prinsipprinsip kepatuhan yang akan ditetapkan oleh Direksi; c. Menetapkan sistem dan prosedur kepatuhan yang akan digunakan untuk menyusun ketentuan dan pedoman internal Bank; d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, dan prosedur, serta kegiatan usaha yang dilakukan Bank telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; e. Meminimalkan Risiko Kepatuhan Bank; f. Melakukan tindakan pencegahan agar kebijakan dan/atau keputusan yang diambil Direksi Bank atau pimpinan Kantor Cabang Bank Asing tidak menyimpang dari ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku; g. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi Kepatuhan.

B. Duties of the Director who Heads the Compliance Function Duties and responsibilities of the Director who heads the Compliance function, at least include: a. Formulate strategies to encourage the establishment of Bank Compliance Culture; b. Propose compliance policy or adherence principles which will be set by the Board of Directors; c. Establish compliance systems and procedures that will be used to develop the Bank’s internal rules and guidelines; d. Ensure that all policies, rules, systems and procedures, as well as business activities by the Bank is in accordance with the provisions of Bank Indonesia and the legislation in force, including Sharia Banking and Sharia Business Units; e. Minimize the Bank’s Compliance Risk; f. Take action to prevent the policy and/or decisions taken by the Bank Directors or the management of #BOL #SBODI 0GmDFT PG 0WFSTFBT #BOL EPFT OPU deviate from the provisions of Bank Indonesia and the legislation in force; g. Perform other tasks related to the Compliance Function.

Tugas dan tanggung jawab sebagaimana dimaksud di atas tidak menghilangkan hak dan kewajiban Direktur yang membawahkan Fungsi Kepatuhan sebagai anggota Direksi Bank sebagaimana diatur dalam Undang-Undang tentang Perseroan Terbatas, apabila untuk perbuatanperbuatan tertentu tersebut diperlukan keputusan dari seluruh anggota Direksi Bank.

Duties and responsibilities referred to above does not eliminate the rights and obligations of the Director who heads the Compliance Functions as a member of the Board of Directors of the Bank as stipulated in the Law on Limited Liability Company, if for certain actions require the decision of all members of the Board of Directors of the Bank. bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KEPATUHAN

C. Peran Direktur Kepatuhan dalam Pelaksanaan Penerapan Good Corporate Governance Direktur yang membawahkan Fungsi Kepatuhan berkewajiban memastikan penerapan Good Corporate Governance serta memantau pelaksanaannya.

C. Role of the Compliance Director in the Implementation of Goood Corporate Governance Director who heads the Compliance Function is obligated to ensure the implementation of Good Corporate Governance as well as monitor their implementation.

Tugas Unit Kepatuhan

Task of the Compliance Unit

Divisi Kepatuhan memiliki tugas mencakup: a. Membuat langkah-langkah dalam rangka mendukung terciptanya Budaya Kepatuhan pada seluruh kegiatan usaha Bank pada setiap jenjang organisasi; C .FMBLVLBO JEFOUJmLBTJ  QFOHVLVSBO  monitoring, dan pengendalian terhadap Risiko Kepatuhan dengan mengacu pada peraturan Bank Indonesia mengenai Penerapan Manajemen Risiko bagi Bank Umum; c. Menilai dan mengevaluasi efektivitas, kecukupan, dan kesesuaian kebijakan, ketentuan, sistem maupun prosedur yang dimiliki oleh Bank dengan peraturan perundang-undangan yang berlaku; d. Melakukan review dan/atau merekomendasikan pengkinian dan penyempurnaan kebijakan, ketentuan, sistem maupun prosedur yang dimiliki oleh Bank agar sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; e. Melakukan upaya-upaya untuk memastikan bahwa kebijakan, ketentuan, sistem dan prosedur, serta kegiatan usaha Bank telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku; dan f. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi Kepatuhan.

The Compliance Division has the duties which include: a. Create steps in order to support the establishment of the Compliance Culture in all activities of the Bank at every level of organization; C $POEVDUJEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH BOE control of the Risk Compliance by referring to Bank Indonesia regulation concerning the Application of Risk Management for Commercial Banks; c. Assess and evaluate the effectiveness, adequacy, and appropriateness of policies, rules, systems and procedures of the Bank with the legislation in force; d. To review and/ or recommend updates and improvements of policies, rules, systems and procedures of the Bank to comply with Bank Indonesia regulation and the applicable legislation, including the Pronciples of Sharia Banking and Sharia Business Units; e. Make efforts to ensure that policies, regulations, systems and procedures, as well as the Bank’s business activities are in accordance with the provisions of Bank Indonesia and applicable legislations; and f. Perform other tasks related to the Compliance Function.

Tanggung Jawab Utama Unit Kepatuhan

Main Responsibilitiy of the Compliance Unit

Divisi Kepatuhan memiliki tanggung jawab mencakup: 1. Terkait ke Strategi Perusahaan a. Melakukan koordinasi dengan Divisi lain dalam menyusun dan merumuskan Rencana Bisnis Divisi. b. Mengelola penerapan manajemen risiko bidang Kepatuhan. c. Menyusun, merumuskan dan mengembangkan Buku Pedoman Perusahaan (BPP) dan Kebijakan Fungsi Kepatuhan. d. Menyusun, merumuskan dan mengembangkan arah, kebijakan, dan Standar Operasional Prosedur (SOP) serta dokumentasi Fungsi Kepatuhan.

The Compliance Division has the responsibilities including: 1. Related to the Company’s Strategy a. Coordinate with other divisions in drafting and formulating a Division Business Plan. b. Managing the implementation of risk management JOUIF$PNQMJBODFmFME c. Prepare, formulate and develop the Company Manual (BPP) and Compliance Function Policy d. Prepare, formulate and develop the direction, policy, and the Standard Operating Procedure (SOP) as well as the documentation of the Compliance Function.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

525 COMPLIANCE

2. Anggaran a. Mempersiapkan, mengkoordinasikan, dan mengontrol anggaran Satuan Kerja Kepatuhan/ Divisi Kepatuhan, sesuai dengan rencana kerja yang telah disusun. C .FNBOGBBULBO BOHHBSBO ZBOH BEB TFFmTJFO EBO seefektif mungkin, memastikan agar program dan sistem berjalan secara cost effective (efektif dari segi biaya).

2. Budget a. Prepare, coordinate, and control the budget of the Compliance Unit/Division of Compliance, in accordance with the work plan which has been prepared. C 6UJMJ[JOH UIF FYJTUJOH CVEHFU BT FGmDJFOUMZ BOE effectively as possible, ensure that the program and system run cost effectively (cost effective).

3. Terkait ke Kepatuhan a. Memastikan pelaksanaan Pedoman Kepatuhan yang berisi kerangka kerja, kebijakan dan proses yang tepat untuk memastikan terpenuhinya peraturan Bank Indonesia, Peraturan Bapepam LK dan perundang-undangan lainnya yang berlaku. Mengembangkan suatu program kepatuhan bagi Bank dan bekerja sama dengan divisi lain untuk memperjelas tanggung jawab masing-masing pihak. b. Mengembangkan prosedur kepatuhan pada setiap satuan kerja, dengan menginformasikan perubahan peraturan perundang-undangan yang berlaku untuk disesuaikan ke dalam pedoman intern bank oleh Divisi terkait. c. Mengembangkan, melaksanakan dan mempertahankan kepatuhan bank dengan memberikan pandangan kepada pihak manajemen mengenai masalah hukum yang ditemukan. d. Mengembangkan, melaksanakan dan mempertahankan kepatuhan bank terhadap penerapan kebijakan, prosedur dan panduan mengenai anti tindak pencucian uang dan tindak pidana terorisme. e. Bertindak sebagai pihak yang dihubungi di Bank mengenai penanganan secara internal laporan transaksi yang mencurigakan dari staf, dan juga pihak yang dapat dihubungi untuk Unit AntiMoney Laundring oleh instansi pemerintah yang berkepentingan terhadap tindak pencucian uang ini. f. Melakukan kajian atas kebijakan bank yang belum selaras dengan peraturan perundangan yang berlaku. g. Memberikan masukan kepada pihak manajemen mengenai masalah Kepatuhan dan potensi dampak, tren serta perkembangan peraturan yang ada.

3. Related to Compliance a. Ensure the implementation of the Compliance Manual which contains the framework, policies and processes to ensure the accordance with the regulation of Bank Indonesia, Bapepam-LK, and other applicable laws and regulations. Develop a compliance program for the Bank and collaborate with other divisions to clarify the responsibilities of each party. b. Develop compliance procedures in each unit, by informing changes in the applicable laws and regulations to be adjusted to the bank’s internal guidelines by the relevant Division. c. Develop, implement and maintain bank compliance by giving the management the views on legal issues found. d. Develop, implement and maintain bank compliance to the implementation of policies, procedures and guidelines on anti money laundering and criminal acts of terrorism. e. Act as the party to be reached at the Bank relating to internal handling of suspicious transactions reports from staff, and also those who may be contacted for Anti-Money Laundering Unit by government agencies interested in the money laundering act. f. Conduct a review on bank policies that are not consistent with the applicable regulations. g. Provide feedback to the management on

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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h. Melaksanakan penyelidikan mandiri atas setiap transaksi yang mencurigakan, yang dilaporkan baik oleh staf Bank sendiri ataupun oleh nasabah Bank. i. Memastikan bahwa Bank selalu memenuhi persyaratan regulasi dalam waktu yang tepat. j. Mengkaji aspek kepatuhan atas usulan produk baru dan pengembangan bisnis baru. k. Mengkaji aspek kepatuhan atas dokumentasi publik mengenai Bank, termasuk data yang ditampilkan di website Bank. l. Menanggapi dokumen konsultatif ataupun diskusi terkait aspek hukum dan kepatuhan yang diterbitkan oleh badan regulasi perbankan atau keuangan. m. Meningkatkan kesadaran akan kepatuhan di antara para staf dengan cara memberikan informasi, publikasi dan pelatihan mengenai Kepatuhan secara reguler. n. Melaksanakan pemantauan Kepatuhan. o. Memastikan Bank selalu mematuhi peraturan yang berlaku.

h.

i. j. k.

l.

m.

n. o.

compliance issues and potential impacts, trends and regulatory developments that exist. Carry out independent investigations of any suspicious transactions, which are reported either Bank staff or Bank customers. Ensure that the Bank always meets the regulatory requirements in a timely manner. Assess the compliance aspects of the proposed new products and new business development. Assess the compliance aspects of the public documentation about the Bank, including the data displayed on the website of the Bank. Responding to consultative documents or discussions related to the legal and compliance BTQFDUTJTTVFECZBCBOLJOHPSmOBODJBMSFHVMBUPSZ bodies. Raise awareness of compliance among staff by providing information, publications and training on Compliance on a regular basis. Carry out Compliance monitoring. Ensure that the Bank always complies with the applicable regulations.

4. Kajian a. Melakukan kajian aspek kepatuhan dan penerapan prinsip kehati-hatian terhadap peraturan internal Bank antara lain berupa Surat Keputusan, Surat Edaran, dan bentuk surat lainnya sesuai tata naskah dinas Bank yang berlaku serta perjanjian atau dokumen hukum lainnya baik yang telah berjalan ataupun yang diajukan. b. Mempertahankan operasional bisnis berjalan sesuai ketentuan.

4. Study a. Reviewing aspects of compliance and implementation of the prudent principle to the Bank’s internal regulations, amomg others in the form of Decrees, Circular Letters, and other form of MFUUFSTBQQSPQSJBUFUP#BOLPGmDJBMUFYUTJOGPSDFBT well as agreements or other legal documents that have either operational or proposed. b. Maintain business operations to run according to the provisions.

5. Manajemen Divisi Mempekerjakan, mengawasi pekerjaan, melatih, mendampingi, mengembangkan ketrampilan, serta mengevaluasi para staf Kepatuhan guna mencapai tingkat efektivitas kinerja di Divisi ini.

5. Division Management Hiring, supervising the work, training, assisting, developing skills, as well as evaluating Compliance staffs to achieve higher effectiveness in the performance of this Division.

6. Terkait Manajemen Krisis Berperan aktif dalam Tim Manajemen Krisis (Bussiness Continuity Plan/BCP) sesuai dengan peran dan tanggung jawab sebagaimana tercantum di dalam Buku Manual/Panduan Manajemen Krisis.

6. Related to Crisis Management Play an active role in the Crisis Management Team (Business Continuity Plan/BCP) in accordance with the roles and responsibilities as stated in the Manual Book/ Crisis Management Guide.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

527 COMPLIANCE

7. Kerja Sama Internal Mengembangkan, mempertahankan lini kerja, dan memfasilitasi komunikasi dengan Divisi lain, Kantor Wilayah/Kantor Cabang, dalam hal konsultasi dan pendapat serta pendampingan hukum. Tujuannya adalah untuk memastikan semua risiko kepatuhan telah tertangani dengan baik.

7. Internal Cooperation Develop, maintain the line of work, and facilitate communication with other Division, Regional/ Branch 0GmDF JODPOTVMUBUJPOBOEHJWJOHPQJOJPOTBTXFMMBT legal assistance. The aim is to ensure all compliance risks have been properly handled.

8. Pelaporan a. Memastikan dilaksanakannya penyampaian laporan kepada Bank Indonesia tentang pelaksanaan Direktur yang membawahkan Fungsi Kepatuhan, meliputi: 1. Rencana kerja kepatuhan yang dimuat dalam rencana bisnis Bank; 2. Laporan kepatuhan; dan 3. Laporan khusus mengenai kebijakan dan/ atau keputusan Direksi yang menurut Direktur yang membawahkan Fungsi Kepatuhan telah menyimpang dari ketentuan Bank Indonesia dan/atau peraturan perundang-undangan yang berlaku. b. Laporan sebagaimana dimaksud dalam Pasal 16 huruf b, wajib ditandatangani oleh Direktur yang membawahkan Fungsi Kepatuhan, dan disampaikan kepada Bank Indonesia setiap semester dan diterima Bank Indonesia paling lambat 1 (satu) bulan setelah periode pelaporan berakhir dengan tembusan kepada Dewan Komisaris dan Direktur Utama. c. Bank dianggap terlambat menyampaikan laporan kepatuhan apabila laporan diterima Bank Indonesia melampaui batas akhir waktu penyampaian laporan sebagaimana dimaksud pada ayat (1), tetapi belum melampaui 1 (satu) bulan setelah batas akhir waktu penyampaian laporan. d. Bank dianggap tidak menyampaikan laporan kepatuhan apabila laporan tersebut belum diterima Bank Indonesia hingga akhir batas waktu keterlambatan sebagaimana dimaksud pada ayat (3). e. Laporan sebagaimana dimaksud dalam Pasal 16 huruf c disampaikan kepada Bank Indonesia paling lambat 7 (tujuh) hari kerja sejak diketahui oleh Direktur yang membawahkan Fungsi Kepatuhan mengenai adanya penyimpangan.

8. Reporting a. Enforce submission of reports to Bank Indonesia on the implementation of the Director in charge of Compliance Functions, including: 1. Compliance work plan, which is contained in the Bank’s business plan; 2. Compliance report; and 3. Special report on the policy and/or the Board’s decision that the Director who heads the Compliance Function has deviated from the provisions of Bank Indonesia and/or applicable regulations. b. The report referred to in Article 16 letter b, shall be signed by the Director in charge of the Compliance Function, and submitted to Bank Indonesia every semester and received by Bank Indonesia no later than 1 (one) month after the reporting period ends with a copy to the Board of Commissioners and the President Director. c. The bank is considered late in submitting the compliance report if the reports is received by Bank Indonesia beyond the deadline of submission of the report referred to in paragraph (1), but not exceeding 1 (one) month after the reporting deadline. d. The bank is considered not submitting the compliance report if the report has not been received by Bank Indonesia until the end of the delay time limit referred to in paragraph (3). e. The report referred to in Article 16 letter C is submitted to Bank Indonesia no later than 7 (seven) working days after the deviation was made known to the Director in charge of Compliance Functions regarding the occurrence of the deviation.

bank bjb Annual Report 2014

528

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KEPATUHAN

 5FSLBJU1SPHSBN1FOHFOEBMJBO(SBUJmLBTJ 11(

B .FNCBXBIJ 6OJU 1FOHFOEBMJBO (SBUJmLBTJ yang berada di bawah Grup Kepatuhan dalam Mengelola pelaksanaan Program Pengendalian (SBUJmLBTJ  1FSMVBTBO -),1/ EBO 4JTUFN Pelaporan Pelanggaran. b. Senantiasa bekerja sama dengan KPK dalam QFMBLTBOBBO1SPHSBN1FOHFOEBMJBO(SBUJmLBTJ

 3FMBUFEUP(SBUJmDBUJPO$POUSPM1SPHSBN 11(

B (SBUJmDBUJPO $POUSPM 6OJU JT TVQFSWJTFE VOEFS the Compliance Group in the implementation NBOBHFNFOU PG (SBUJmDBUJPO $POUSPM 1SPHSBN  Extended LHKPN and Abuse Reporting System. b. Always cooperate with the KPK in the implementation of Gratuity Control Program.

10. Lain-lain a. Mengelola penerapan Manajemen Risiko di Divisi. b. Melaksanakan prinsip kehati-hatian dan kepatuhan terhadap peraturan Bank Indonesia dan Peraturan Perundang-undangan lainnya, serta Peraturan Internal Bank yang berlaku. c. Melakukan tindak lanjut temuan hasil pemeriksaan. d. Mengelola Buku Pedoman Perusahaan Divisi Kepatuhan e. Melaksanakan tugas-tugas lainnya yang diberikan oleh Direktur yang membawahkan fungsi Kepatuhan.

10. Others a. Managing the implementation of Risk Management at all Divisions. b. Implement the prudence and compliance principles to Bank Indonesia regulations and other legislation, as well as applicable Internal Regulation of the Bank. D $POEVDUGPMMPXVQPGFYBNJOBUJPOmOEJOHT d. Managing the Company Manual in the Compliance Division. e. Perform other tasks given by the Director in charge of the Compliance function.

Kewenangan Divisi Kepatuhan

Authority of the Compliance Division

Divisi Kepatuhan memiliki kewenangan untuk: a. Menandatangani surat-surat, memorandum dan dokumen-dokumen yang berkaitan dengan tugas Divisi Kepatuhan, sesuai batas kewenangan yang diberikan oleh Direktur yang membawahkan Fungsi Kepatuhan. b. Melakukan kajian serta memberikan rekomendasi aspek hukum terhadap peraturan internal bank antara lain berupa Surat Keputusan, Surat Edaran, dan bentuk surat lainnya sesuai Tata Naskah Dinas yang berlaku serta perjanjian atau dokumen hukum lainnya baik yang telah berjalan ataupun yang diajukan. c. Melakukan koordinasi dengan Bank Indonesia dan Lembaga terkait lainnya dalam rangka pengelolaan tugas Divisi Kepatuhan. d. Menetapkan pembagian tugas serta penegakan disiplin kepada pejabat/pegawai yang menjadi tanggung jawab penyeliaannya. e. Memberikan Penilaian Kinerja terhadap Pejabat dan Pegawai bawahannya. f. Melakukan kunjungan pembinaan dan sosialisasi kepada seluruh unit kerja, untuk membangun Budaya Kepatuhan.

The Compliance Division has the authority to: a. Sign letters, memoranda and documents relating to the duties of the Compliance Division, within the limits of the authority granted by the Director who heads the Compliance Function. b. Conduct studies and make recommendations to the legal aspects of the bank’s internal regulations, among others in the form of Decrees, Circular Letters, and other applicable suitable form of Code of Manuscript Department policies and agreements or other legal documents that have either operational or proposed. c. Coordinate with Bank Indonesia and other relevant institutions in order to manage the task of the Compliance Division. d. Establish the division of duties and the enforcement of EJTDJQMJOFUPUIFPGmDFSFNQMPZFFPGUIFSFTQPOTJCJMJUZ it supervises. F 1SPWJEF1FSGPSNBODF"TTFTTNFOUPGPGmDJBMTBOEUIFJF subordinates. f. Coaching visits and socialization to all work units, building a Compliance Culture.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

529 COMPLIANCE

g. Menyampaikan rekomendasi untuk pengembangan Pejabat dan Pegawai Divisi Kepatuhan. h. Melakukan Persetujuan/Keputusan lainnya sesuai dengan BPP Kewenangan dan/atau Keputusan/ Kebijakan Direksi.

g. Convey recommendations for the development of 0GmDJBMTBOE&NQMPZFFTPGUIF$PNQMJBODF%JWJTJPO h. Perform the Agreement/ other Decision in accordance with the BPP Authority and/or Decision/ Policy of the Board of Directors.

Kegiatan Kepatuhan 2014

Compliance Activities in 2014

Kegiatan yang dilakukan Divisi Kepatuhan pada Tahun 2014 diantaranya namun tidak terbatas pada: 1. Melaksanakan penyempurnaan compliance sheet bagi bidang-bidang operasional dan non operasional secara bertahap 2. Melakukan pengkajian terhadap seluruh kebijakan dan prosedur terkait produk dan jasa Bank. 3. Melakukan review atas ketentuan-ketentuan internal yang telah diberlakukan. 4. Melakukan pemantauan kewajiban pelaporan Divisi dan Kantor Cabang. 5. Memantau pelaksanaan hasil pemeriksaan Bank Indonesia dan pemantauan terhadap komitmen Divisi dan Kantor Cabang atas hasil pemeriksaan Divisi Audit Internal. 6. Menginformasikan setiap ketentuan internal maupun eksternal Bank kepada unit terkait 7. Mensosialisasikan Fungsi Kepatuhan, Ketentuan Internal & Eksternal Bank kepada segenap organisasi Perseroan.  .FNCVBU4JTUFN"QMJLBTJ,PEJmLBTJ,FUFOUVBO*OUFSOBM Perseroan. 9. Pengembangan SDM Bagian Kepatuhan melalui program pendidikan dan pelatihan baik yang ditugaskan oleh Divisi Pendidikan dan Pelatihan maupun berdasarkan pengajuan/inisiatif dari Satuan Kerja Kepatuhan. 10. Memantau dan menjaga agar kegiatan usaha Bank tidak menyimpang dari ketentuan yang berlaku. 11. Melakukan pengadaan Konsultan Kepatuhan untuk Compliance Assessment (Masih dalam tahap proses oleh tim pengadaan barang/jasa Divisi Umum) 12. Melakukan pelaksanaan pengelolaan Program 1FOHFOEBMJBO(SBUJmLBTJEFOHBONFMBLVLBOLPPSEJOBTJ dengan KPK.

Activities undertaken by the Compliance Division in 2014 include but not limited to, among others: 1. Conduct gradual improvements on the Compliance Sheet for operational and non-operational areas. 2. Conduct assessment to all policies and procedures related to the products and services of the Bank. 3. Review the applied internal regulations. 4. Conduct monitoring on the reporting obligations of %JWJTJPOTBOE#SBODI0GmDFT 5. Monitor the implementation of Bank Indonesia inspection results and monitor the commitment of %JWJTJPOT BOE #SBODI 0GmDFT PWFS UIF SFTVMUT PG UIF Internal Audit Division. 6. Inform to the relevant units, all of the Bank’s internal and external regulations. 7. Socialize the Compliance Function as well as the Bank’s Internal & External Regulations to the entire organization of the Company.  $SFBUFB$PEJmDBUJPO"QQMJDBUJPO4ZTUFNPGUIF*OUFSOBM Regulations of the Company. 9. Improve Compliance of the Human Resources through education and training programs either assigned by the Division of Education and Training or through the initiatives of the Compliance Unit. 10. Monitor and maintain the Bank’s business activities so as not to violate the applicable regulations. 11. Provide Compliance Consultants for Compliance Assessments (still in process, conducted by the goods/ services procurement team of the General Affairs Division). 12. Conduct the implementation of the Gratuity Control Programby coordinating with the Corruption Eradication Committee (KPK).

bank bjb Annual Report 2014

530

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KEPATUHAN

Dalam menjalankan kegiatan usaha, Perseroan telah memenuhi ketentuan Bank Indonesia yang terkait dengan aspek kecukupan modal, pemenuhan ketentuan bidang perkreditan, pemeliharaan likuiditas, serta penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme.

In conducting the business activities, the Company has complied with Bank Indonesia regulations related to the aspects of capital adequacy, regulatory compliance in the area of credit, liquidity maintenance, as well as the implementation of Anti-Money Laundering Program and Combating Terrorism Financing.

Transaksi Spot dan Transaksi Derivatif

Spot Transaction and Derivative Transaction

Sepanjang tahun 2014, Perseroan tidak melakukan transaksi spot maupun transaksi derivatif.

Throughout 2014, the Company did not conduct any spot or derivative transactions.

3URJUDP3HQJHQGDOLDQ*UDWLÀNDVL 33*

Gratuity Control Program (PPG)

Penerapan GCG diawali dengan penerapan budaya perusahaan yang didalamnya terdapat tata nilai atau nilai-nilai utama yang menjadi corporate value Perseroan.

GCG implementation begins with the application of the corporate culture in which there are values or core values that become the Company’s corporate value.

Dalam mewujudkan komitmen untuk melaksanakan praktikpraktik GCG maka corporate value Perseroan dijabarkan dalam bentuk code of conduct (etika usaha dan tata perilaku) untuk menjadi acuan perilaku bagi komisaris, direksi dan seluruh pegawai Perseroan dalam mengelola perusahaan guna mencapai visi, misi dan tujuan Perusahaan.

In realizing the commitment to implement the principles of GCG, the corporate value of the Company is translated in the form of code of conduct (business ethics and code of conduct) to be a reference of conduct for the Board of Commissioners, Directors, and all employees of the Company in managing the company to achieve the vision, mission, and objectives of the Company.

Salah satu etika perilaku yang terdapat pada code of conduct yaitu standar etika untuk menghindari benturan kepentingan dan penyalahgunaan jabatan serta etika untuk tidak menerima HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO jabatan, dan sebagaimana diketahui salah satu cakupan dalam pelaksanaan GCG yaitu penanganan benturan kepentingan (DPOnJDUPGJOUFSFTU).

One of the ethical behaviour contained in the code of conduct JT UIF FUIJDBM TUBOEBSET UP BWPJE DPOnJDUT PG JOUFSFTU BOE BCVTFPGPGmDFBOEUIFFUIJDTUPOPUBDDFQUHSBUVJUJFTPGBOZ LJOE SFMBUJOH UP UIF PGmDF  BOE BT LOPXO  POF PG UIF ($( JNQMFNFOUBUJPODPWFSBHF OBNFMZUIFIBOEMJOHPGDPOnJDUTPG interest.

Maka dalam rangka implementasi standar etika pada code of conduct dan penanganan benturan kepentingan sebagai salah satu wujud penerapan Good Corporate Governance, 1FSTFSPBO NFOFSBQLBO 1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ sebagaimana kesepakatan kerja sama dengan Komisi Pemberantasan Korupsi.

Therefore, in order to implement ethical standards in the code PGDPOEVDUBOEIBOEMJOHPGDPOnJDUTPGJOUFSFTUBTPOFGPSNPG implementation of Good Corporate Governance, the Company applies Gratuity Control Program as a cooperative agreement with the Corruption Eradication Commission.

1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ BEBMBI TFLVNQVMBO perangkat dan rangkaian kegiatan dan mekanisme QFOHFOEBMJBO HSBUJmLBTJ TFDBSB CFSLFTJOBNCVOHBO HVOB NFOKBHB JOUFHSJUBT QFHBXBJ EBSJ QSBLUJL HSBUJmLBTJ ZBOH dilarang.

Gratuity Control Program is a collection of devices and a range of activities and gratuities control mechanisms on an ongoing basis in order to maintain the integrity of the employees from UIFQSBDUJDFPGHSBUJmDBUJPOUIBUJTGPSCJEEFO

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

531 COMPLIANCE

1SPHSBN QFOHFOEBMJBO HSBUJmLBTJ UFSEJSJ EBSJ QFNCVBUBO QFSBOHLBU BUVSBO UFOUBOH QFOHFOEBMJBO HSBUJmLBTJ  pembentukan organisasi yang mengelola pengendalian HSBUJmLBTJ  LFHJBUBO TPTJBMJTBTJEJTFNJOBTJ UFOUBOH BUVSBO QFOHFOEBMJBO HSBUJmLBTJ EBO QFOJOHLBUBO LFTBEBSBO JOEJWJEVEBOPSHBOJTBTJUFOUBOHHSBUJmLBTJTFSUBJNQMFNFOUBTJ QFOHFMPMBBO QFMBQPSBO QFOFSJNBBO HSBUJmLBTJ ZBOH berkoordinasi dengan pihak KPK.

Gratuities control program consists of making the rules on controlling the graft, the establishment of the organization UIBU NBOBHFT UIF DPOUSPM PG HSBUJmDBUJPO  TPDJBMJ[BUJPO dissemination of the rules controlling graft and increase BXBSFOFTT BCPVU UIF HSBUJmDBUJPO PG JOEJWJEVBMT BOE organizations as well as the implementation of gratuities receipt reporting management which is in coordination with the KPK.

-XPODK3HODSRUDQ*UDWLÀNDVL %BMBN JNQMFNFOUBTJ QFOHFMPMBBO QFMBQPSBO HSBUJmLBTJ selama tahun 2014 telah diterima sebanyak 219 laporan QFOFSJNBBO HSBUJmLBTJ TFOJMBJ 3Q   KVUB ZBOH NBOB sebanyak 38 laporan senilai Rp 23,4 menjadi penanganan ,1,EBMBNQFOFUBQBOTUBUVTHSBUJmLBTJZBOHEJUFSJNB

Total Ggratuities Reporting In the implementation of gratuities reporting management during 2014, as many as 219 report of accepting gratuities valued at equivalent 107.76 million have been received, of which a total of 38 reports worth equivalent Rp 23.4 (??) was handled by KPK in determining the status of the gratuity received.

Penerapan PPG di sektor perbankan selama tahun 2014 KPK telah memberikan penghargaan kepada Perseroan, diantaranya kategori BUMD dengan Unit Pengendalian (SBUJmLBTJ 61(  UFSCBJL UBIVO  TFSUB #6.% EFOHBO KVNMBIMBQPSBOHSBUJmLBTJUFSCBOZBLEBO UFQBUXBLUV tahun 2014.

The implementation of PPG in the banking sector throughout 2014, the KPK had given an award to the Company, among them in the category of Regional Owned Enterprise with the best Gratuity Control Unit (UPG) of 2014 as well as the Regional Owned Enterprise with the highest gratuity reporting and 96.14% in a timely manner in 2014.

Berdasarkan hasil monitoring dan evaluasi dengan KPK diketahui bahwa dalam menerapkan Program Pengendalian (SBUJmLBTJ EJ -JOHLVOHBO CBOL #6./%  QJIBL ,1, akan melakukan koordinasi dengan Bank Indonesia dan menjadikan Perseroan sebagai contoh penerapan PPG di sektor perbankan, serta selama tahun 2014 KPK telah memberikan penghargaan kepada Perseroan, diantaranya QFOHIBSHBBO #6.% EFOHBO 6OJU 1FOHFOEBMJBO (SBUJmLBTJ (UPG) terbaik tahun 2014.

Based on the result of the monitoring and evaluation with KPK, it is discovered that in applying the Gratuity Control Program SOE/ ROE banks, KPK will coordinate with Bank Indonesia and make the Company as an example of PPG implementation in the banking sector, also during 2014, the KPK had given awards to the Company, among them the award for Regional Owned Enterprise with the best Gratuity Control Unit (UPG) in 2014.

Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana Besar

Provision of Funds To Related Parties and Provision of Funds Large

Penyediaan Dana Kepada Pihak Terkait di sektor komersial, posisi pada akhir tahun 2014 adalah sebagai berikut:

Provision of Funds To Related Parties in the commercial sector, the position at the end of 2014 is as follows: Jumlah/Total

No.

Penyediaan Dana

1.

Kepada pihak terkait

2.

Kepada debitur Inti: a. Individu b. Grup

Debitur | Debtor 16 25 -

Nominal (Jutaan/ Million Rupiah)

Provision of Fund

41.358.725.529

To related parties

4.332.922.063.021 -

Core to the debtor a. Personal b. Group

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

532

KEPATUHAN

Ketentuan mengenai penyediaan dana kepada pihak terkait telah diatur dalam SOP segmen korporasi dan SOP segmen komersial yaitu: a) SK Direksi nomor: 909/SK/DIR-KOM/2014 tanggal 27 November 2014 tentang SOP Kredit Segmen Korporasi; b) SK Direksi nomor: 910/SK/DIR-KOM/2014 tanggal 27 November 2014 tentang SOP Kredit Segmen Komersial;

The provisions concerning the provision of funds to related parties have been set up in the corporate segment SOP and the commercial segments SOP, namely: a) Decree of the Board of Directors No. 909/SK/DIRKOM/2014 dated 27 November 2014 on Corporate Segment Loan SOP; b) Decree of the Board of Directors No. 910/SK/DIRKOM/2014 dated 27 November 2014 on Commercial Segment Loan SOP;

Penyediaan Dana Kepada Pihak Terkait di sektor konsumer, posisi pada akhir tahun 2014 adalah sebagai berikut:

Provision of Funds To Related Parties in the consumer sector, position at the end of 2014 is as follows: Jumlah/Total

No.

Penyediaan Dana

1.

Kepada pihak terkait

2.

Kepada debitur Inti: a. Individu b. Grup

Debitur | Debtor 4

Nominal (Jutaan/ Million Rupiah)

Provision of Fund

1.496.318.862

To related parties

-

Core to the debtor a. Personal b. Group

-

Ketentuan mengenai penyediaan dana kepada pihak terkait, Divisi Kredit Konsumer mengacu kepada Peraturan Bank Indonesia Nomor 7/3/PBI/2005 dan Nomor 8/13/PBI/2006 tentang Batas Maksimum Pemberian Kredit Bank Umum.

The provision concerning the provision of funds to related parties, the Consumer Credit Division refers to Bank Indonesia Regulation No. 7/3/PBI/2005 and No. 8/13/PBI/2006 on Lending Limit for Commercial Banks.

Penyediaan Dana Kepada Pihak Terkait di sektor mikro, posisi pada akhir tahun 2014 adalah sebagai berikut:

The Provision of Funds To Related Parties in the micro sector, position at the end of 2014 is as follows: Jumlah/Total

No.

Penyediaan Dana

1.

Kepada pihak terkait

2.

Kepada debitur Inti: a. Individu b. Grup

Debitur | Debtor 12 -

Ketentuan Perseroan yang mengatur penyediaan dana kepada pihak terkait tercantum dalam SK Direksi No. 211/SK/ DIR-MK/2014 dalam point 2.8.1 mengenai ketentuan pihak terkait, yang menjelaskan : - Dalam hal terdapat kepemilikan saham bank bjb pada BPR sebesar 10% atau lebih atau bank bjb memiliki opsi untuk memiliki saham BPR menjadi sebesar 10% atau lebih maka BPR dimaksud dikategorikan sebagai pihak terkait; - Setiap penempatan dana dan atau pemberian fasilitas kredit kepada pihak terkait diharuskan memperoleh persetujuan Dewan komisaris bank bjb;

bank bjb Laporan Tahunan 2014

Nominal (Jutaan/ Million Rupiah)

Provision of Fund

39.928

To related parties

-

Core to the debtor a. Personal b. Group

The Company’s provision which governs the provision of funds to related parties is contained in the Decree of the Board of Directors No. 211/SK/DIR-MK/2014 in point 2.8.1 on the provisions of related parties, which explains: - In the event the ownership of bank bjb at BPR amounted to 10% or more or bjb bank has the option to have BPR shares amounted to 10% or more, the referred BPR is DMBTTJmFEBTBSFMBUFEQBSUZ - Each placement of funds or provision of loan facilities to related parties are required to obtain the approval of the Board of Commissioners of bank bjb;

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

533 COMPLIANCE

-

Ketentuan ini dapat ditetapkan lain dalam hal terdapat peraturan Bank Indonesia dan atau Peraturan Pemerintah terbaru yang mengatur revisi penempatan dana pada pihak terkait.

Review dan evaluasi atas penyediaan dana kepada pihak terkait sektor mikro:

-

This provision could be set differently in the event of a latest Bank Indonesia regulation and or Government Regulation that governs the revision in placement of funds of related parties.

Review and evaluation of the provision of funds to related party micro sector:

Jumlah/Total No. 1.

Penyediaan Dana

Debitur | Debtor

Nominal (Jutaan/ Million Rupiah)

NPL

Provision of Fund

12

39.928

0%

To related parties

Kepada pihak terkait

Berdasarkan hasil review dan evaluasi atas penyediaan dana kepada pihak terkait menunjukan bahwa penyaluran kepada pihak terkait selama ini tidak mengalami permasalahan apapun hal tersebut dapat dilihat dari kondisi Non Performing Loan yang masih terjaga di angka nol persen.

to related parties showed that the distribution of the related parties have not experienced any problems that can be seen from the condition of non-performing loans are still awake at zero percent.

Penyediaan Dana Besar

Provision of Funds Large

Penyediaan dana besar (large exposure), posisi pada akhir tahun 2014 adalah sebagai berikut:

Large exposures (large exposure), the position at the end of 2014 are as follows:

Debitur | Debtor

No

Outstanding

1

PT Andalan Finance Indonesia

133.806.111.055

2

PT Armada Finance

3

PT BFI Finance Indonesia Tbk

4

PT Cipta Inti Parmindo

5

PT Clipan Finance Indonesia,

6

PT Comradindo Lintasnusa Perkasa

7

PT Dimas Utama

8

PT Jakarta Propertindo

9

PT Lintas Marga Sedaya (Persero)

564.441.820.922

10

PT Mandiri Tunas Finance

294.736.944.011

11

PT Marga Sarana Jabar

54.337.640.151

12

PT Margabumi Adhikaraya

76.198.626.463

13

PT MNC Land Tbk

14

PT Nindya Karya (Persero)

286.000.000.000

15

Pemerintah Republik Indonesia

779.811.322.307

16

PT Permodalan Nasional Madani

17

PT Pracico Multi Finance

18

PT Priamanaya Energi

19

PT Pro Car International Finance

44.728.905.156

20

PT Pupuk Sriwidjaja Palembang

246.693.921.504

21

PT Rahajasa Media Internet

149.154.827.777

22

PT Semesta Marga Raya

23

PT Serasi Autoraya

24

PT Tranka Kabel

25

PT Waskita Karya (Persero)

45.684.712.520 186.111.111.104 68.369.606.344 225.048.762.711 61.863.017.221 141.811.656.194 65.000.000.000

43.325.473.556

54.583.333.327 41.447.600.122 244.748.452.237

94.610.691.554 196.595.744.640 58.811.782.145 175.000.000.000 Total

4.332.922.063.021

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

534

KEPATUHAN

Penyediaan Dana kepada Debitur Usaha Mikro, Kecil dan Menengah

Provision of Funds to Debtor Micro, Small and Medium Enterprises

Selama tahun 2014, Perseroan telah menyalurkan dana dalam bentuk kredit untuk sektor mikro, kecil dan menengah dengan rincian sebagai berikut:

%VSJOH UIF$PNQBOZIBTQSPWJEFEmOBODJOHJOUIFGPSN of loans to the micro, small and medium sectors, with the followng details: Jumlah/Total

No.

Sektor

1.

UMKM

Sector

Nominal (Jutaan/ Million Rupiah)

Debitur | Debtor 80.002

MSME

4.493

Kredit yang Memerlukan Perhatian Khusus

Loan that Require Special Attention

Seiring dengan pencapaian kinerja Perseroan, berikut jumlah kredit yang memerlukan perhatian khusus selama 2014:

Along with achievement of the Company’s performance, the GPMMPXJOH JT UIF BNPVOU PG mOBODJOH XIJDI SFRVJSFT TQFDJBM mention during 2014:

Jenis Kredit (Rp Juta) Mikro

2013

2014

YOY

(Rp million) Type of Credit

900

642

-28,70%

Micro

Konsumer

64

53

-16,50%

Consumer

Komersial

378

87

-77%

Commercial

KPR

347

552

58,90%

Mortgage

1.689

1.334

Total

:

Total

Jumlah Cadangan Penyisihan Kerugian

Total Reserves Provision for Losses

Seiring dengan pencapaian kinerja Perseroan, berikut jumlah cadangan penyisihan kerugian selama 2014:

Along with achievement of the Company’s performance, the GPMMPXJOH JT UIF BNPVOU PG mOBODJOH XIJDI SFRVJSFT TQFDJBM mention during 2014:

(Rp Juta)

Jumlah CKPN

2013 1.019.520

(Rp million)

2014 1.611.212

Total CKPN

Indikator Kepatuhan Rasio Keuangan Bank

Compliance Indicators Financial Ratios Bank

Dalam menjalankan usaha, Perseroan telah memenuhi ketentuan Bank Indonesia yang terkait dengan aspek kecukupan modal, pemenuhan ketentuan bidang perkreditan, pemeliharaan likuiditas, serta penerapan program anti pencucian uang dan pencegahan pendanaan terorisme.

In conducting the business, the Company has complied with Bank Indonesia related to aspects of capital adequacy, compliance with the provisions in credit, liquidity maintenance, as well as the implementation of anti-money laundering and DPVOUFSUFSSPSJTNmOBODJOH

Aspek Kepatuhan Rasio Kewajiban Penyediaan Modal Minimum (KPMM) Pelampauan/Pelanggaran Batas Maksimum Pemberian Kredit (BMPK)

Pemenuhan Bank (Per Desember 2014)

Acuan (Ketentuan)

16,51%

ö

Tidak Ada/None

Tidak Diperkenankan

Compliance Aspect Capital Adequacy Ratio (KPMM) Exceedance/ Violations of Lending Limit (BMPK)

Rasio Non Performing Loan (NPL)

4,17%

õ

Non Performing Loan Ratio (NPL)

Rasio Giro Wajib Minimum (GWM) Primer

8,17%

ö

Primary Minimum Statutory Reserve (GWM) Ratio

Rasio GWM Sekunder

6,94%

ö

Rasio GWM dalam Valuta Asing

8,41%

ö

GWM Ratio in Foreign Exchange

Rasio Posisi Devisa Neto (PDN)

1,93%

õ

Net Open Position (PDN) Ratio

bank bjb Laporan Tahunan 2014

Secondary GWM Ratio

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

535 COMPLIANCE

Rasio Gaji Tertinggi dan Terendah

Highest and Lowest Salary Ratio

Rasio gaji tertinggi dan terendah, dalam skala perbandingan sebagai berikut:

The ratio of the highest and lowest salaries, the following comparative scale:

No.

Keterangan (Rp Juta)

Tertinggi Highest

Terendah Lower

50.000

Rasio/Ratio

Description

Tertinggi Highest

Terendah Lowest

2.800

17,86

1,00

Employee Salary Ratio Highest and Lowest

130.000

104.000

1,25

1,00

Salary ratio of Highest and Lowest Directors

(Rp million)

1.

Rasio Gaji Pegawai yang Tertinggi dan Terendah

2.

Rasio Gaji Direksi yang Tertinggi dan Terendah

3.

Rasio Gaji Komisaris yang Tertinggi dan Terendah

65.000

52.000

1,23

1,00

Salary Ratio of Highest and Lowest Commissioners

4.

Rasio Gaji Direksi Tertinggi dan Pegawai Tertinggi

130.000

50.000

2,60

1,00

Ratio Highest Directors and Employees

Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (Program APU-PPT)

The implementation of Anti-Money Laundering and Prevention of Terrorism Financing Program (Program APU-PPT)

Pelaksanaan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme atau disebut juga dengan APU-PPT (dalam bahasa Inggris: Anti Money Laundering and Counter Terorism Financing/AML-CFT) merupakan program yang dilaksanakan secara berkesinambungan dalam rangka pemenuhan kewajiban berdasarkan ketentuan-ketentuan sebagai berikut:

Implementation of the Anti-Money Laundering and Counter Terrorism Financing (AML-CFT) is a program that is carried out continuously in order to meet the obligations under the following provisions:

Undang-Undang Nomor 8 Tahun 2010 Tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang, Keputusan Kepala PPATK (Pusat Pelaporan dan Analisis Transaksi Keuangan/dalam Bahasa inggris: Indonesian Financial Transaction Reports And Analysis Centre) Nomor: 2/1/KEP.PPATK/2003 tentang Pedoman Umum Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang Bagi penyedia Jasa Keuangan, Peraturan Bank Indonesia Nomor 14/27/PBI/2012 tanggal 28 desember 2012 Tentang penerapan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum dan Surat Edaran Bank Indonesia Nomor 15/21/DPNP/2013 Tanggal 14 Juni 2013 Perihal Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum. Selama Tahun 2014, sebagai langkah keseriusan dalam menerapkan program APU-PPT, Perseroan telah melaksanakan kegiatan sebagai berikut:

Law No. 8 of 2010 on the Prevention and Combating Money Laundering, Decree of the Head of PPATK (Indonesian Financial Transaction Reports And Analysis Centre/ INTRAC) No. 2/1/ KEP.PPATK/2003 on General Guidelines for the Prevention and Eradication of Money Laundering for Financial Services Provider, Bank Indonesia Regulation No. 14/27/PBI/2012 dated 28 December 2012 on the application of the AntiMoney Laundering and Counter Terrorism Financing Program for Commercial Banks, and Bank Indonesia Circular Letter No. 15/21/DPNP/ 2013 dated 14 June 2013 Concerning the Application of Anti-Money Laundering and Counter Terrorism Financing for Commercial Banks. During 2014, as a measure of seriousness in implementing the AML-CFT program, the Company has implemented the following activities:

1. Melakukan pemantauan terhadap transaksi-transaksi Keuangan untuk dilakukan analisa lebih mendalam terhadap potensi terjadinya transaksi keuangan mencurigakan.

 .POJUPS mOBODJBM USBOTBDUJPOT GPS NPSF JOEFQUI analysis towards the occurrence of potential suspicious transactions.

bank bjb Annual Report 2014

536

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

KEPATUHAN

2. Melakukan pemantauan terhadap transaksi-transaksi keuangan tunai dengan batas tertentu untuk dilakukan pelaporan kepada PPATK. 3. Melakukan pemantauan terhadap transaksi-transaksi keuangan transfer dana dari dan ke luar negeri untuk dilakukan pelaporan kepada PPATK. 4. Melakukan koordinasi penyampaian laporan dengan unit kerja lain terhadap penyampaian Laporan Transaksi Keuangan Mencurigakan (LTKM) serta Laporan Transaksi Keuangan Tunai (LTKT) dan laporan laporan transaksi keuangan transfer dana dari dan keluar negeri yang wajib dilaporkan kepada PPATK.  .FMBLVLBOQFNFMJIBSBBOEBOQFNBOUBVBOUFSIBEBQQSPmM nasabah dengan daftar-daftar orang maupun lembaga yang wajib dipantau yang dikeluarkan oleh otoritas yang berwenang baik nasional maupun internasional. 6. Melakukan pemantauan terhadap nasabah yang dijadikan Tersangka atau Terdakwa suatu tindak pidana oleh pihak yang berwenang baik dari media massa maupun berdasarkan informasi lainnya dari sumber yang resmi. 7. Melakukan kegiatan pemantauan terhadap pelaksanaan pengkinian data nasabah oleh seluruh unit kerja dan cabang. 8. Melakukan pemenuhan pelaksanaan pembukaan hubungan usaha Perseroan dengan bank koresponden dari aspek APU-PPT. 9. Melakukan pengkajian melalui masukan atau pendapat terhadap aktivitas-aktivitas maupun produk-produk baru perbankan yang berkaitan erat dengan kewajiban penerapan program APU-PPT sebelum aktivitas dan produk tersebut dijalankan. 10. Melaksanakan kegiatan sosialisasi melalui pendidikan dan pelatihan APU-PPT terhadap karyawan Perseroan dalam rangka meningkatkan pemahaman atas penerapan program APUPPT di unit kerja terkait, dan meningkatkan pemahaman atas risiko pencucian uang dan pendanaan terorisme. 11. Melakukan koordinasi dalam rangka pengadaan dan pengembangan aplikasi APU-PPT Perseroan dalam rangka penyesuaian dengan semakin berkembang dan bertambahnya aktivitas dari segi penambahan jumlah nasabah dan jumlah transaksi Perseroan. 12. Melakukan koordinasi dan pemantauan terhadap pelaksanaan kebijakan program APU-PPT dengan unit kerja terkait yang berhubungan dengan Nasabah.

bank bjb Laporan Tahunan 2014

 .POJUPSUIFmOBODJBMUSBOTBDUJPOTJODBTIJOBDFSUBJOMJNJU and conduct reporting to the INTRAC.  .POJUPSJOH UIF mOBODJBM USBOTBDUJPOT  UISPVHI GVOE transfers to and from overseas and conduct reporting to the INTRAC. 4. Coordinate the delivery of reports with other work units on the submission of Suspicious Transaction Reports (STR) and Cash Transaction Reports (CTR) and fund transfer to and from overseas report which must be reported to the INTRAC. 5. Conduct maintenance and monitoring of the customer QSPmMF XJUI JOEJWJEVBM BOE JOTUJUVUJPO MJTUT UIBU NVTU CF monitored, that are issued by competent authorities both nationally and internationally. 6. Monitor the customer who becomes suspect or has been accused of a crime by the authorities based on mass NFEJBPSCBTFEPOPUIFSJOGPSNBUJPOGSPNPGmDJBMTPVSDFT 7. Monitor the implementation of the Customer Data updating activities by all units and branches.  'VMmMMNFOUPGUIFJNQMFNFOUBUJPOPGPQFOJOHUIF$PNQBOZT business relationships with correspondent banks from the AML-CFT aspect. 9. Conduct assessments through the inputs or opinions on the new activities and banking products that are closely related to the application of AML-CFT before the activity and the product is implemented. 10. Conduct socialization activities through AML-CFT training and education to employees of the Company in order to increase the understanding on the implementation of the AMLCFT program in related work units, and increase understanding of the risks of money laundering and UFSSPSJTNmOBODJOH 11. Conduct coordination in the framework of the procurement and development of the AML-CFT application of the Company to adjust to the increasing development and increasing activity in terms of increasing the number of clients and number of the Company’s transactions. 12. Coordinate and monitor the implementation of the AMLCFT program policies with related work units associated with the Customer.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

537 COMPLIANCE

Adapun pelaksanaan program APU dan PPT selama tahun 2014 dalam angka adalah sebagai berikut: Aktivitas

The implementation of the program during 2014 APU and PPT JOmHVSFTJTBTGPMMPXT:

Jumlah I Total

Laporan Transaksi Keuangan Mencurigakan (LTKM)

97 Laporan/Report

Activities Suspicious Transaction Report (LTKM)

Laporan Transaksi Keuangan Tunai (LTKT)

14.635 Laporan/Report

Cash Transaction Report (LTKT)

Laporan Transaksi Keuangan Transfer Dana dari dan Keluar Negeri (LTKL)

39.408 Laporan/Report

Transfer To and From Overseas Transaction Report (LTKL)

Korespondensi dengan pihak yang berwenang terkait dengan APU-PPT

108 Korespondensi/ Correspondency

Pengkajian terkait APU-PPT

29 Kajian/Study 108 Bank Koresponden/ Correspondency Bank

Pengisian Kuisioner dengan bank korespondensi

Correspondence with the authorities related to AML-CFT Reviews related to AML-CFT Completion of Questionnaire with corresponding banks

Pemantauan terhadap Database Daftar Watchlist dari pihak yang berwenang serta dari media massa

39.408 CIF/CIF

Monitoring of the Database List Watchlist from the authorities as well as from the mass media

Pemantauan Pengkinian Data CIF

72.331 CIF/CIF

Monitoring of CIF Data Updates

Pemantauan Jumlah Pegawai yang telah mengikuti Pelatihan Materi APU-PPT

2.168 Pegawai/Employee

Monitoring of Number of Employees who have participated in the AML-CFT Training Materials

Penyediaan Dana untuk Kegiatan Politik

Provision of Funds for Political Activity

Selama Tahun 2014, Perseroan tidak menyediakan dana untuk kegiatan politik.

During 2014, the Company did not provide funds for political activities.

Transaksi yang Kepentingan

7UDQVDFWLRQ&RQWDLQLQJ&RQÁLFWVRI,QWHUHVW

Mengandung

Benturan

Ketentuan mengenai benturan kepentingan telah di atur dalam: • Surat Keputusan Dewan Komisaris Nomor 06/DK/2007, (syarat independensi angka 11):

•

5IF QSPWJTJPOT DPODFSOJOH DPOnJDUT PG JOUFSFTU IBT CFFO set in: • Decree of the Board of Commissioners No. 06/DK/2007, (requirement of independence number 11):

Pengungkapan benturan kepentingan dicantumkan dalam setiap risalah rapat Dewan Komisaris, paling kurang mencakup nama anggota Dewan Komisaris yang memiliki benturan kepentingan, masalah pokok benturan kepentingan dan dasar pertimbangan pengambilan keputusan.



%JTDMPTVSFPGDPOnJDUTPGJOUFSFTUJTJODMVEFEJOUIFNJOVUFT of each meeting of the Board of Commissioners, shall at least include the name of the member of the Board of $PNNJTTJPOFST XIP IBWF B DPOnJDU PG JOUFSFTU  UIF NBJO JTTVFPGDPOnJDUPGJOUFSFTUBOEQSJODJQBMDPOTJEFSBUJPOTJO the decision-making.

Surat Keputusan Direksi Nomor 931/SK/DIR/2007, (Bab 3 perihal standar etika, prinsip umum etika Bank).

•

Decree of the Board of Directors No. 931/SK/DIR/2007, (Chapter 3 regarding code of conduct, the general principles of Bank ethics).

Berikut adalah rincian transaksi yang mengandung benturan kepentingan baik kepada manajemen perusahaan, pemegang saham maupun anak perusahaan/ BTPTJBTJBmMJBTJTFMBNBUBIVO

Here are the details of the transaction that contains B DPOnJDU PG JOUFSFTU CPUI UP DPSQPSBUF NBOBHFNFOU  TIBSFIPMEFSTBOETVCTJEJBSJFTBTTPDJBUFTBGmMJBUFTEVSJOH 2014:

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

538

KEPATUHAN

Nama/ Name

No

Individu/ Individual

Nama Grup/ Group Name

Hubungan dengan Bank/ Relationship with the Bank

Status Hubungan keterkaitan dengan Bank/ Relationship Status linkages with the Bank

Jenis Penyediaan Dana/ Type Provision of Funds

Jangka Waktu/ Time Frame

Awal/ Start

Jatuh Tempo/ Due Date

Jumlah penyediaan Dana/ The amount of the provision of funds

Valas/ Forex

Rupiah

1

Ahmad Irfan

1

Individu

1

Manajemen/Management

30

-

-

2

;BFOBM"SJmO*3 .TJ

1

Individu

1

Manajemen/Management

30

22/06/2010

22/06/2022

230.000.000

-

3

Nia Kania

1

Individu

1

Manajemen/Management

30

26/09/11

26/09/20

500.000.000

4

Benny Santoso

1

Individu

1

Manajemen/Management

30

-

-

5

Fermiyanti

1

Individu

1

Manajemen/Management

30

07/11/14

07/11/18

500.000.000

6

Suartini

1

Individu

1

Manajemen/Management

30

17/09/14

17/09/23

500.000.000

7

Agus Gunawan

1

Individu

1

Manajemen/Management

30

-

-

7

Total Terkait

1

-

64.480.000.000

1

PD BPR LPK Saketi

2

Grup

1

"mMJBTJ"GmMJBUFE

30

15/04/14

15/04/17

2.000.000.000

2

PD BPR LPK Serang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

30/06/2011

28/06/14

0

3

PD BPR LPK Serang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

30/09/2011

28/12/2014

0

4

PD BPR LPK Serang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

02/03/13

02/03/14

0

5

PD BPR LPK Warungkondang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

15/06/2010

15/06/2015

0

6

PD BPR LPK Warungkondang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

02/12/09

02/12/14

700.000.000

7

PD BPR LPK Warungkondang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

15/06/10

15/06/15

1.500.000.000

8

PD BPR LPK Warungkondang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

23/08/2011

23/08/2016

2.500.000.000

9

PD BPR LPK Warungkondang

2

Grup

1

"mMJBTJ"GmMJBUFE

30

28/12/2010

28/12/2013

0

10

BPR LPK Cipatujah

2

Grup

1

"mMJBTJ"GmMJBUFE

30

04/07/12

04/07/17

11

BPR LPK Cipatujah

2

Grup

1

"mMJBTJ"GmMJBUFE

30

05/07/12

05/07/17

2.650.000.000

12

BPR LPK Cipatujah

2

Grup

1

"mMJBTJ"GmMJBUFE

30

12/03/14

12/03/15

10.000.000.000

13

PD BPR Cimerak

2

Grup

1

"mMJBTJ"GmMJBUFE

30

11/12/2007

23/02/15

500.000.000

14

PD BPR LPK Arahan Kidul

2

Grup

1

"mMJBTJ"GmMJBUFE

30

19/09/12

19/09/14

1.700.000.000

15

PD BPR LPK K r o y a

2

Grup

1

"mMJBTJ"GmMJBUFE

30

11/11/13

11/02/15

1.500.000.000

16

PD BPR LPK Sukra

2

Grup

1

"mMJBTJ"GmMJBUFE

30

20/12/13

20/03/15

850.000.000

17

PD BPR LPK Balongan

2

Grup

1

"mMJBTJ"GmMJBUFE

30

17/06/13

17/03/15

4.000.000.000

18

PD BPR LPK Cantigi

2

Grup

1

"mMJBTJ"GmMJBUFE

30

23/08/13

23/02/15

1.500.000.000

19

BPR LPK Bongas PD

2

Grup

1

"mMJBTJ"GmMJBUFE

30

17/03/13

17/03/15

5.000.000.000

20

PD BPR /LPK Jalan Cagak/ Cisalak

2

Grup

1

"mMJBTJ"GmMJBUFE

30

25/08/2010

25/08/2013

0

21

PD BPR /LPK Jalan Cagak/ Cisalak

2

Grup

1

"mMJBTJ"GmMJBUFE

30

29/03/2011

29/03/2014

0

22

PD BPR /LPK Jalan Cagak/ Cisalak

2

Grup

1

"mMJBTJ"GmMJBUFE

30

06/09/2013

06/09/2018

2.000.000.000

23

PD BPR /LPK Jalan Cagak/ Cisalak

2

Grup

1

"mMJBTJ"GmMJBUFE

30

30/09/2013

30/09/2018

1.000.000.000

24

BPR LPK Garut Kota Kantor Pusat

2

Grup

1

"mMJBTJ"GmMJBUFE

30

20/08/2013

20/08/2018

20.000.000.000

25

BPR Cibitung TJ Raya

2

Grup

1

"mMJBTJ"GmMJBUFE

30

10/12/2012

10/12/2017

25

Total Grup

1

bank bjb Laporan Tahunan 2014

2.350.000.000

3.000.000.000 62.750.000.000

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

539 COMPLIANCE

Seluruh transaksi penyediaan dana di atas telah dilakukan secara wajar sesuai dengan pedoman perkreditan perusahaan. Seluruh penyediaan dana ditarik secara penuh/ langsung dan tidak menjadi standby loan.

All of the transactions to provide funds above have been conducted fairly in accordance with the Company’s credit guidelines. The entire provision of funds is withdrawn in full/ direct and does not become a standby loan.

Setiap transaksi yang dilakukan akan di-review untuk memastikan bahwa penyediaan dana tersebut telah memenuhi peraturan yang berlaku dan telah sesuai dengan pedoman perkreditan perusahaan.

Each transaction performed will be reviewed to ensure that the provision of funds has met the applicable regulations and guidelines in accordance with the Company’s credit guidelines.

Transparansi Keuangan

Transparency of Financial and Non-Financial

Kondisi

Keuangan

dan

Non

Dalam laporan tahunan Perseroan telah memberikan informasi kondisi keuangan dan non keuangan secara transparan sesuai dengan ketentuan yang berlaku.

In the annual report of the Company has been providing mOBODJBM JOGPSNBUJPO BOE OPOmOBODJBM DPOEJUJPOT JO B transparent manner in accordance with applicable regulations.

Opsi Saham

Share Options

Selama tahun 2014, perseoran tidak mengeluarkan kebijakan terkait opsi saham

During 2014, liability company shall not issue a policy related to stock options.

Buy Back Shares dan/atau Buy Back Obligasi Bank

Buy Back Shares and/or Buy Back Bonds Bank

Pada tahun 2014, Bank tidak melakukan transaksi buy back atas saham, karena Perseroan belum melaksanakan penjualan saham ke publik, begitu pula Perseroan tidak melakukan kegiatan buy back atas obligasi yang telah diterbitkan.

In 2014, the bank did not buy back transactions on shares, as the Company has not yet executed the sale of shares to the public, as well as the Company does not conduct buy back the bonds that have been issued.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

540

AUDIT INTERNAL INTERNAL AUDIT

Divisi Audit Internal (DAI) merupakan bagian dari struktur pengendalian internal dan merupakan segala bentuk kegiatan yang berhubungan dengan audit dan pelaporan hasil audit mengenai terselenggaranya struktur pengendalian secara terkoordinasi dalam setiap tindakan manajemen Bank.

Internal Audit Division (DAI) is part of internal control structure and also part of all activity linked with audit and reporting of the result of the audit about the realization of the control structure in an good coordination at every Bank management acts.

Ketua dan Struktur Internal Audit

Head and Structure of Internal Audit

Divisi Audit Internal (DAI) merupakan bagian dari struktur pengendalian internal serta memiliki tugas untuk mengevaluasi dan berperan aktif dalam peningkatan efektivitas Sistem Pengendalian Intern secara berkesinambungan berkaitan dengan pelaksanaan operasional Bank yang berpotensi menimbulkan kerugian dalam pencapaian sasaran yang telah ditetapkan oleh manajemen bank.

Internal Audit Division (DAI) is part of the internal control structure and has a duty to evaluate and take an active role in improving the effectiveness of the Internal Control System on an ongoing basis with regard to the implementation of the Bank’s operational potential losses in the achievement of targets set by the bank management.

Berdasarkan Struktur Organisasi yang berlaku dan telah disahkan oleh Direksi melalui surat Keputusan Direksi nomor 667/SK/DIR-PS/2013 tanggal 29 Oktober 2013 perihal Struktur Organisasi PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Divisi Audit Internal berada dalam garis komando Direktur Utama dan garis koordinasi Komite Audit.

Based on Organizational Structure applicable and has been approved by the Board of Directors through the Board of Directors Decree number 667/SK/DIR-PS/2013 dated October 29, 2013 regarding the Organizational Structure of Regional Development Bank of West Java and Banten, Tbk. Internal Audit Division is in command line Managing Director and Audit Committee coordination line.

Pemimpin Divisi Audit Internal

Internal Audit Division Leader

Pemimpin Divisi Audit Internal periode Januari 2014 sd. sekarang di pimpin oleh Bapak Hendi Rochendi. Beliau telah memiliki pengalaman selama lebih kurang 30 (tiga puluh) tahun di bidang perbankan baik bidang operasional, bisnis maupun auditing.

Internal Audit Division Leader period January 2014 till. now led by Mr. Hendi Rochendi. He has had experience for less than  UIJSUZ  ZFBST JO UIF mFME PG CBOLJOH PQFSBUJPOT  CVTJOFTT and auditing.

Riwayat hidup Pemimpin Divisi Audit Internal Perseroan adalah sebagai berikut:

Curriculum vitae of the Company’s Internal Audit Division Leader is as follows:

Hendy Rochendi Audit Internal Internal Audit

Nama : Hendi Rochendi Jabatan : Pemimpin Divisi Audit Internal Karir di bank bjb : Bekerja di bank bjb sejak 1980

bank bjb Laporan Tahunan 2014

Name : Hendi Rochendi Position : Head Division of Internal Audit Career in the Company : Work at bank bjb since 1980

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

Pendidikan Dasar Hukum Penunjukkan

541

Education Legal Based on

: S1 Universitas Nusantara 2002

: SK Direksi bank bjb No. 007/SK/DIRSDM/2014 Tanggal 3 Januari 2014 Pelatihan /Sertifkasi : Manajemen Risiko

: S1 University of Nusantara 2002 : SK Direksi bank bjb No. 007/SK/DIR SDM/2014 Date January 3, 2014 5SBJOJOH4FSUJmDBUJPO 3JTL.BOBHFNFOU

Struktur dan Kedudukan Audit Internal

Structure and Internal Audit Position

Sesuai dengan Struktur Organisasi Perseroan Nomor 667/ SK/DIR-PS/2013 Tentang Struktur Organisasi PT Bank Pembangunan Daerah Jawa Barat dan Banten, Divisi Audit Internal berada dibawah komando Direktur Utama. Divisi Audit Internal dalam melaksanakan tugas dan tanggung jawabnya dibantu oleh 5 (lima) unit/Grup Kerja, yaitu Grup Audit Kantor Pusat, Audit SDQA, Audit Teknologi Informasi, Audit Anti Fraud dan Audit Kantor Wilayah. Adapun struktur organisasi Divisi Audit Internal saat ini yaitu:

In accordance with the Company’s Organizational Structure No. 667 / SK / DIR-PS / 2013 About the organization structure. PT Bank Pembangunan Daerah Jawa Barat dan Banten, the Internal Audit Division under the command of Director. Internal Audit Division in carrying out its duties and responsibilities BTTJTUFECZmWF  VOJUT8PSLJOH(SPVQ XIJDIJTUIF(SPVQ )FBE0GmDF"VEJU "VEJU4%2" *OGPSNBUJPO5FDIOPMPHZ"VEJU  "OUJ'SBVEBOE"VEJU"VEJU3FHJPOBM0GmDF5IFPSHBOJ[BUJPOBM structure of the Internal Audit Division today is:

Struktur Organisasi Divisi Audit Internal Internal Audit Division Organization Structure

DEWAN KOMISARIS Board of Commissioners

DIREKTUR UTAMA President Director KOMITE AUDIT Audit Committee

PEMIMPIN DIVISI Head Division

GRUP AUDIT KANTOR PUSAT HEAD OFFICE AUDIT GROUP PEMIMPIN GRUP GROUP HEAD

GRUP AUDIT KANTOR WILAYAH I-IV REGION OFFICE I-IV AUDIT GROUP PEMIMPIN GRUP GROUP HEAD

GRUP AUDIT TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY AUDIT GROUP PEMIMPIN GRUP GROUP HEAD

GRUP AUDIT SD & QA ISD & QA AUDIT GROUP

GRUP ANTI FRAUD ANTI FRAUD GROUP

PEMIMPIN GRUP GROUP HEAD

PEMIMPIN GRUP GROUP HEAD

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Auditor internal suatu bank merupakan suatu jabatan maupun profesi yang membutuhkan kemampuan yang lebih dibandingkan dengan unit kerja lainnya. Salah satu parameter

5IF JOUFSOBM BVEJUPS PG B CBOL JT BO PGmDF PS B QSPGFTTJPO that requires a greater ability than other work units. One of the parameters that become the benchmark capability and

bank bjb Annual Report 2014

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542

AUDIT INTERNAL

yang menjadi tolok ukur kemampuan dan keahlian auditor adalah pengalaman perbankan baik dari segi operasional, bisnis dan supporting. Selain pengalaman perbankan, strata QFOEJEJLBOEBOTFSUJmLBTJNFSVQBLBOGBLUPSQFOUJOH

expertise of auditors are banking experience both in terms of operations, business and support. In addition to banking FYQFSJFODF MFWFMPGFEVDBUJPOBOEDFSUJmDBUJPOJTBOJNQPSUBOU factor.

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No

6HUWLÀNDVL_$FSUmDBUJPO

Jumlah/Total

1

BSMR1

11

2

BSMR2

5

3

BSMR3

8

4

BSMR4

-

5

BSMR5

1

6

ERMCP

1

7

CA PIA

1

Jumlah Pegawai dan Pengalaman Perbankan No

Jabatan

The number of Eemployees and Banking Experience

Jumlah/Total

Pengalaman Perbankan/ Banking Experience

Position

1

Pemimpin Divisi

1

Lebih dari 30 tahun/More than 30 years

Head Division

2

Pemimpin Grup

8

20 - 27 tahun/years

Group Leader

3

Manager

4

8 - 10 tahun/years

Manager

4

4FOJPS0GmDFS

2

6 - 8 tahun/years

4FOJPS0GmDFS

5

0GmDFS

11

3 - 5 tahun/years

0GmDFS

6

Junior Staf

17

1 - 2 tahun/years

Junior Staff

Jenjang Pendidikan No

Education Level Jabatan

Jumlah/Total

Position

1

S2

3

2

S1

39

S2 S1

3

D3

1

D3

Auditor Kantor Wilayah

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Audit Kantor Wilayah merupakan grup audit yang bertugas untuk melakukan pemeriksaan terhadap Kantor Wilayah beserta Kantor Cabang, Kantor Cabang Pembantu serta Kantor Kas yang berada dalam komando Kantor Wilayah. Grup Audit Kantor wilayah terbagi menjadi 4 (empat) grup sesuai dengan pembagian Kantor Wilayah/Regional.

3FHJPOBM0GmDF"VEJUJTBOBVEJUHSPVQJODIBSHFUPDPOEVDU BOFYBNJOBUJPOPGUIF3FHJPOBM0GmDFBOEJUT#SBODI0GmDFT  4VC#SBODI 0GmDFT BOE $BTI 0GmDFT UIBU JT VOEFS UIF 3FHJPOBM 0GmDF 5IF 3FHJPOBM 0GmDF "VEJU (SPVQ JT EJWJEFE into four (4) groups according to the division of the Regional 0GmDF

Audit Kantor Wilayah 1

$XGLW5HJLRQDO2IÀFH

No

Jabatan/Position

Nama | Name

Position

1

Pemimpin Grup

Firman Ahmad Hidayat

2

0GmDFS

Rizky Rihmansah

3

Junior Staf

Resa Ginanjar

Junior Staff

4

Junior Staf

Muhammad Bhakti Wahana

Junior Staff

5

Junior Staf

Wildanul Muqqodas

Junior Staff

6

Junior Staf

Moch Nurdin

Junior Staff

bank bjb Laporan Tahunan 2014

Group Leader 0GmDFS

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543 INTERNAL AUDIT

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Audit Kantor Wilayah 2 No

Nama | Name

Jabatan

Position

1

Pemimpin Grup

Ade Supriatna

2

0GmDFS

Engkris Trisyami

Group Leader

3

0GmDFS

Dwi Setio Utari

4

Junior Staf

Firman Aprianto

Junior Staff

5

Junior Staf

Muhammad Fadillah

Junior Staff

0GmDFS

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Audit Kantor Wilayah 3 No

0GmDFS

Nama | Name

Jabatan

Position

1

Pemimpin Grup

Budiman Effendi

2

0GmDFS

Bambang Sulistio Adi

3

0GmDFS

Sieska Pratiwi

0GmDFS

4

Junior Staf

Dody Apriadi

Junior Staff

5

Junior Staf

Arif Satya Nugraha

Junior Staff

0GmDFS

$XGLW5HJLRQDO2IÀFH

Audit Kantor Wilayah 4 No

Group Leader

Nama | Name

Jabatan

Position

1

Pemimpin Grup

Bustami

2

Manager

Hamdan Astadipura

Group Leader Manager

3

Manager

Rizky Adhisantika

Manager

4

Junior Staf

Fazlurrahman

Junior Staff

5

Junior Staf

Ferry Hardiyanto

Junior Staff

Audit Kantor Pusat

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Audit Kantor Pusat merupakan grup yang bertugas melakukan pemeriksaan Divisi dan Proses Bisnis.

"VEJU (SPVQ )FBE 0GmDF JT JO DIBSHF PG JOTQFDUJPO BOE Business Process Division.

No

Nama | Name

Jabatan

Position

1

Pemimpin Grup

Wawan Hernawan

2

4FOJPSPGmDFS

Indra Permana

Group Leader

3

0GmDFS

Dhea Ekadita Pratiwi

4

Junior Staf

Akhmad Muhari Gandamanah

Junior Staff

5

Junior Staf

Agung Widodo

Junior Staff

4FOJPSPGmDFS 0GmDFS

Audit Anti Fraud

Anti Fraud Audit

Grup Anti Fraud merupakan grup audit yang memiliki tugas untuk melakukan pencegahan, deteksi dan pemeriksaan terkait tindakan fraud.

Anti-Fraud Group is a group that has the task of auditing for the prevention, detection and investigation of fraud related actions.

No

Nama | Name

Jabatan

Position

1

Pemimpin Grup

Iswahyudi

2

Manager

Faury Fuad Helmi

Group Leader

3

4FOJPS0GmDFS

Umar Peruk

4

0GmDFS

Donny Samudera Rachmawan

5

Junior Staf

Raden Danang Seno Adhi

Junior Staff

6

Junior Staf

Ikhsan Zainul Rico

Junior Staff

Manager 4FOJPS0GmDFS 0GmDFS

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

544

AUDIT INTERNAL

Audit Teknologi Informasi No

Technology Information Audit

Jabatan

Nama | Name

Position

1

Pemimpin Grup

Aldy Edwin Dalimartha

2

Manager

Ipan Gumilar

3

0GmDFS

Bay Aprian

0GmDFS

4

Junior Staf

5BBKVM"SJmO

Junior Staf

5

Junior Staf

M Dikdik Miliardi

Junior Staf

Manager

Service Development & Quality Assurance Audit

Audit Service Development & Quality Assurance No

Jabatan

Group Leader

Nama | Name

Position

1

Pemimpin Grup

Subadri

2

0GmDFS

Anggi Anggraeni

Pemimpin Grup 0GmDFS

3

0GmDFS

Novianti Asri Dewi

0GmDFS

4

0GmDFS

Hadi Purwanto

5

Junior Staf

Shenny Sanastasia

0GmDFS Junior Staff

Tugas dan Tanggung Jawab sesuai Charter/ Piagam Audit Intern

Duties and Responsibilities under the Charter/ Internal Audit Charter

Piagam Audit Intern Perseroan ditetapkan berdasarkan Surat Keputusan Direksi No. 657/SK/DIR-DAI/2009 tertanggal 30 Juni 2009 tentang Piagam Internal Audit Charter PT Bank Jabar Banten.

Internal Audit Charter of the Company is established under the Decree of the Board of Directors No. 657/SK/DIR-DAI/2009 dated 30 June 2009 on the Internal Audit Charter of PT Bank Jabar Banten.

Pelaksanaan fungsi audit intern bank yang efektif wajib memastikan pemeriksaan dan penilaian atas kecukupan dan efektivitas struktur pengendalian intern serta kualitas kinerja bank dalam rangka menjaga dan mengamankan kegiatan usaha bank.

The implementation of an effective bank’s internal audit function shall ensure the examination and assessment the adequacy and effectiveness of internal control structure and the quality of bank performance in order to safeguard and secure the bank’s business activities.

Fungsi DAI (Divisi Audit Internal) adalah membantu tugas Direktur Utama dan Dewan Komisaris dalam melakukan pengawasan/pengendalian intern serta berperan sebagai konsultan bagi pihak-pihak intern yang membutuhkan, terutama yang menyangkut ruang lingkup tugasnya yaitu: t .FOHLBKJ FmTJFOTJ EBO FGFLUJWJUBT TJTUFN QFOHFOEBMJBO intern dan manajemen risiko yang berlaku melalui kegiatan audit intern berdasarkan penerapan GCG dan prinsip kehati-hatian. • Menciptakan dan mengembangkan sistem audit intern Perseroan serta menetapkan kebijakan dan prosedur pelaksanaan audit intern yang sesuai dengan perkembangan usaha bank berdasarkan GCG dan prinsip kehati-hatian. • Mengkaji ketaatan pelaksanaan sistem pengendalian intern dan manajemen risiko yang berlaku melalui kegiatan audit intern.

The function of the Internal Audit Division (DAI) is to assist the President Director and the Board of Commissioners in internal monitoring/ control and act as consultants for internal parties in need, particularly those involving the scope of its duties, namely: t "TTFTTJOH UIF FGmDJFODZ BOE FGGFDUJWFOFTT PG JOUFSOBM control systems and risk management that apply through the internal audit activity based on the implementation of GCG and the prudence principles. • Creating and developing the Company’s internal audit system as well as establish policies and procedures for internal audit implementation in accordance with the Bank’s business development based on GCG and the prudence principles. • Assessing adherence to the implementation of internal control systems and risk management that apply through internal audit activity.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

545 INTERNAL AUDIT

•

• •

•

Merencanakan, melaksanakan, dan melaporkan hasil pemeriksaan kepada Direktur Utama dan Dewan Komisaris serta memantau perencanaan dan pelaksanaan tindak lanjut hasil audit. Bekerja sama di bidang pengawasan dengan unit organisasi intern dan ekstern. Pemeriksaan dan penilaian terhadap keandalan sistem pengendalian intern pada Teknologi Sistem Informasi (TSI) yang berjalan maupun yang sedang dikembangkan. Mengkaji setiap usulan atau proposal, kebijakan atau sistem dan prosedur dan memberi tanggapan atas kecukupan sistem pengendalian intern dan risiko dalam kebijakan atau sistem prosedur tersebut berdasarkan penerapan GCG dan prinsip kehati-hatian.

•

Plan, execute, and report the inspection results to the President Director and the Board of Commissioners as well as to monitor the planning and implementation of follow-up on the results of the audit. t $PPQFSBUJOH JO UIF mFME PG TVQFSWJTJPO XJUI JOUFSOBM BOE external organization units. • Examination and assessment of the reliability of the TSI’s internal control systems that are both running and under development. • Examine any recommendations or proposals, policies or systems and procedures and provide feedback on the adequacy of internal control systems and risk in policy or system procedure based on the implementation of GCG and the prudence principles.

Fungsi Satuan Kerja Audit Internal (SKAI)

Function of the Internal Audit Unit (IAU)

Satuan Kerja Audit Intern (SKAI) merupakan mitra bisnis seluruh unit kerja yang berfungsi memberikan assurance dan consulting yang independen dan obyektif dalam memberikan rekomendasi yang bernilai tambah dan memperbaiki operasional organisasi. SKAI membantu organisasi dalam mencapai tujuannya dengan cara mengevaluasi dan meningkatkan efektivitas manajemen risiko, pengendalian intern dan proses tata kelola.

The Internal Audit Unit is a business partner of all work units that functions to provide independent and objective assurance and consulting in providing value-added recommendations and improve the operations of the organization. The Internal Audit assists the organization to achieve its objectives by evaluating and improving the effectiveness of risk management, internal control and governance processes.

Dalam melaksanakan peran sebagai strategic business partner dan konsultan, DAI menetapkan langkah kerja dengan ruang lingkup tugas sebagai berikut;  .FOHLBKJ FmTJFOTJ EBO FGFLUJWJUBT TJTUFN QFOHFOEBMJBO intern dan manajemen risiko yang berlaku melalui kegiatan audit intern berdasarkan penerapan good corporate governance dan prinsip kehati-hatian (Prudential Banking). 2. Menciptakan dan mengembangkan sistem audit intern Perseroan serta menetapkan kebijakan dan prosedur pelaksanaan audit intern sesuai dengan perkembangan usaha bank berdasarkan penerapan Good Corporate Governance dan prinsip kehati-hatian (prudential banking). 3. Mengkaji ketaatan pelaksanaan sistem pengendalian intern dan manajemen risiko yang berlaku melalui kegiatan audit. 4. Merencanakan, melaksanakan dan melaporkan hasil pemeriksaan kepada Direktur Utama dan Dewan Komisaris serta memantau perencanaan dan pelaksanaan tindak lanjut.

In performing its role as a strategic business partner and DPOTVMUBOU UIF*"6EFmOFTUIFXPSLQIBTFTXJUIUIFGPMMPXJOH scope of works;  "TTFTTJOHUIFFGmDJFODZBOEFGGFDUJWFOFTTPGUIFBQQMJDBCMF internal control system and risk management through internal audit activities based on the implementation of good corporate governance and the precautionary principles (Prudential Banking). 2. Creating and developing the Company’s internal audit system as well as establishing policies and procedures for the implementation of internal audit in accordance with the bank’s business development based on the implementation of good corporate governance and the precautionary principles (prudential banking). 3. Assessing adherence to the implementation of the applicable internal control and risk management systems through audit activities. 4. Plan, execute and report the assessment results to the President Director and the Board of Commissioners as well as monitor the planning and implementation of the followups.

bank bjb Annual Report 2014

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546

AUDIT INTERNAL

5. Bekerja sama di bidang pengawasan dengan unit organisasi intern dan ekstern. 6. Pemeriksaan dan penilaian terhadap keandalan sistem pengendalian intern pada Teknologi Sistem Informasi (TSI) yang berjalan maupun yang sedang dikembangkan. 7. Mengkaji setiap usulan atau proposal, kebijakan atau sistem dan prosedur dan memberikan tanggapan atas kecukupan sistem pengendalian internal dan risiko dalam kebijakan atau sistem prosedur tersebut berdasarkan prinsip good corporate governance dan prinsip kehatihatian (prudential banking). 8. Dalam mendukung pemeriksaan yang efektif, DAI mengembangkan aplilkasi berbasis teknologi.

5. Cooperate in monitoring the internal and external organization units. 6. Examination and assessment on the reliability of the internal control systems in information technology (TSI) that is being applied as well as those being developed. 7. Reviewing any recommendations or proposals, policies or systems and procedures and provide a response on the adequacy of internal control systems and risks in the policy or procedure of the system based on the principles of good corporate governance and the precautionary principles (prudential banking). 8. In support of an effective assessment, DAI develops a technology-based application.

Laporan Pelaksanaan Tugas

Report of Task Implementation

Sepanjang tahun 2014, Divisi Audit Internal (DAI) telah melakukan pemeriksaan terhadap 31 Kantor Cabang, 1 Pemeriksaan Khusus Kantor Cabang Pembantu, 3 proses Bisnis, 1 Divisi, 1 Kantor Wilayah serta pemeriksaan terhadap 4 aplikasi teknologi informasi (Dana Pensiun Lembaga Keungan, Dana Pihak Ketiga, End User Computing dan Security and Access) serta pemeriksaan khusus terhadap 1 Kantor Cabang Pembantu dengan skala prioritas pemeriksaan QBEBVOJULFSKBZBOHNFNJMJLJQSPmMSJTJLPZBOHUJOHHJ

Throughout 2014, the Internal Audit Division (IAD) has DPOEVDUFE FYBNJOBUJPOT PO  #SBODI 0GmDFT   4QFDJBM *OWFTUJHBUJPO PO 4VC#SBODI 0GmDF   #VTJOFTT 1SPDFTTFT   %JWJTJPO   3FHJPOBM 0GmDF BT XFMM BT BO FYBNJOBUJPO PG the 4 information technology applications (Financial Institute Pension Fund, Third Party Funds, End User Computing and Security and Access) as well as a special examination on 1 4VC#SBODI0GmDFXJUIFYBNJOBUJPOQSJPSJUZTDBMFPOUIFXPSL VOJUUIBUIBTBIJHISJTLQSPmMF

Metodologi pemeriksaan dilakukan dengan menggunakan risk based audit terutama kepada area yang memiliki potensi risiko yang besar.

The examination methodology was performed using a risk based audit, particularly to areas that have large potential risks.

Kegiatan Audit Internal 2014

Internal Audit Activity in 2014

1. Pemeriksaan Metodologi pemeriksaan dilakukan dengan menggunakan risk based audit yang memprioritaskan kepada area yang memiliki risiko yang tinggi.

1. Examination The examination methodology was performed using a risk based audit, particularly to areas that have large potential risks.

Divisi Audit Internal melakukan pemeriksaan berdasarkan Rencana Kerja Audit Tahun (RKAT) 2014. Pada Rencana Kerja Audit Internal Tahun 2014, Divisi Audit Internal merencanakan memeriksa 32 Kantor Cabang, 3 Proses Bisnis, 1 Divisi dan 7 aplikasi teknologi informasi.

The Internal Audit Division performed examination based on the 2014 Audit Work Plan (RKAT). In the 2014 Internal Audit Work Plan, the Internal Audit Division planned to DIFDL#SBODI0GmDFT #VTJOFTT1SPDFTTFT %JWJTJPO and 7 information technology applications.

Jenis Pemeriksaan/Audit Type

Rencana/Plan

Realisasi/Realization

32

27

Divisi/Division

1

0

Proses Bisnis/Business Process

3

3

Audit Umum Kantor Wilayah/3FHJPOBM0GmDFPGUIF1VCMJD"VEJU Audit Kantor Pusat/"VEJU)FBE0GmDF

Audit Teknologi Informasi/Information Technology Audit

7

7

Audit Khusus/Fraud I Special Audit

0

20

Audit Surprise/Surprise Audit

0

4

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

547 INTERNAL AUDIT

Selama tahun 2014, Divisi Audit Internal telah melakukan pemeriksaan kepada 27 Kantor Cabang, 3 Proses Bisnis, 7 aplikasi teknologi informasi, 20 Audit Khusus dan 4 Audit Surprise. Terdapat rencana kerja yang tidak terealiasi disebabkan oleh peningkatan pemeriksaan menjadi audit khusus dan pengalihan pemeriksaan terhadap informasi yang diperoleh dari whistleblower melalui whistleblowing system.

Throughout 2014, the Internal Audit Division has conducted FYBNJOBUJPOTPO#SBODI0GmDFT #VTJOFTT1SPDFTTFT  7 information technology applications, 20 Special Audits and 4 Surprise Audits. There were work plans that were not realized due to the increase of examination into special audit and transfer of examination on information obtained from the whistleblower through the whistleblowing system.

2. Pelaksanaan Tugas non Pemeriksaan Selain melakukan pemeriksaan, Divisi Audit pun memiliki tugas untuk menyampaikan laporan pokok-pokok hasil audit dan mendampingi pemeriksaan eksternal. Pada tahun 2014, Divisi Audit Internal menyampaikan laporan audit fraud dan laporan pokok-pokok hasil audit semesteran kepada Otoritas Jasa Keuangan sebanyak 2 kali. Sedangkan untuk pendampingan pemeriksa eksternal, Divisi Audit Internal hanya mendampingi pemeriksa Otoritas Jasa keuangan saja.

2. Non Examination Duty Implementation In addition to performing examination, the Audit Division also has the duty to submit a report on the results of the audit and accompanying external examinations. In 2014, the Internal Audit Division conveyed the bi-annual fraud audit reports and main audit results reports to the Financial Services Authority 2 times. As for the assistance of external examiners, the Internal Audit Division only accompany Financial Services Authority examiners.

Jenis Pemeriksaan/Audit Type

Rencana/Plan

Realisasi/Realization

Pelaporan Pelaksanaan Audit Fraud/Fraud Audit Implementation Reporting

2

2

Pelaporan Pokok-Pokok Hasil Audit Semesteran/Bi annual Main Audit Results

2

2

Menjadi LO untuk Kegiatan Otoritas Jasa Keuangan dan BPK RI/Becoming the LO for the Financial Services Authority and BPK RI Activities

2

1

3. External Quality Assurance Review Dalam rangka pengendalian mutu dan memenuhi kepatuhan, pada tahun 2014, Audit Internal telah dilakukan quality assurance review oleh pihak eksternal independen yaitu KAP , Tanzil dan rekan yang menyampaikan secara umum bahwa pelaksanaan kegiatan audit internal selama 3 (tiga) tahun terakhir telah patuh terhadap Standar pelaksaanaan Fungsi Audit Internal Bank (SPFAIB), kendati terdapat kelemahan minor yang perlu mendapat perhatian perbaikan.

3. External Quality Assurance Review In the framework of quality control and compliance, in 2014, the Internal Audit has conducted a quality assurance review by an independent external party ie KAP, Tanzil and colleagues who expressed generally that the implementation of the internal audit activity for 3 (three) years has been to adhere to standards of implementation of the Internal Audit Function Bank (SPFAIB), although there are minor weaknesses that need attention repairs.

Pihak yang mengangkat dan Memberhentikan Ketua Unit Audit Internal

Party Appoint and Dismiss the Chairman of the Internal Audit Unit

Pengangkatan dan pemberhentian Pemimpin Divisi Audit Internal dilakukan oleh Direktur Utama dengan persetujuan Dewan Komisaris. Selain itu, pengangkatan dan pemberhentian jabatan Pemimpin Divisi Audit Internal wajib dilaporkan kepada Bank Indonesia dengan memberikan alasan pengangkatan dan pemberhentian tersebut.

The appointment and dismissal of the Chief Internal Audit Division conducted by the Managing Director with the approval of the Board of Commissioners. Moreover, the appointment and dismissal of the Internal Audit Division Leader positions shall be reported to Bank Indonesia by giving the reason the appointment and dismissal.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

548

AUDIT EKSTERNAL EXTERNAL AUDIT

Berdasarkan hasil keputusan RUPS Perseroan pada tanggal 26 Maret 2014, ditetapkan akuntan publik yang melakukan audit Laporan keuangan Perseroan periode 31 Desember 2014 adalah:

Based on the decision of the GMS of the Company on 26 March 2014, the public accountant appointed to audit the mOBODJBM TUBUFNFOUT PG UIF $PNQBOZ GPS UIF  %FDFNCFS 2014 period is:

KAP Purwantono, Suherman & Surja 5IF*OEPOFTJBONFNCFSmSNPG&SOTU:PVOH(MPCBM-JNJUFE

Gedung Bursa Efek Indonesia Menara 2 Lantai 7 Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Indonesia Telp. (021) 5289 5000 Fax. (021) 5289 4545

KAP Purwantono, Suherman & Surja 5IF*OEPOFTJBONFNCFSmSNPG&SOTU:PVOH(MPCBM-JNJUFE

Bursa Efek Indonesia Building Tower 2 7th Floor Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Indonesia Telp. (021) 5289 5000 Fax. (021) 5289 4545

Yang menjadi tugas pokok yaitu melakukan audit laporan keuangan Perseroan pada tanggal dan untuk tahun yang berakhir pada tanggal 31 Desember 2014, berdasarkan standar auditing yang ditetapkan oleh Institut Akuntan Publik Indonesia. Standar tersebut mengharuskan Akuntan Publik merencanakan dan melaksanakan audit agar memperoleh keyakinan yang memadai bahwa laporan keuangan bebas dari salah saji yang material. Akuntan Publik bertanggung jawab atas pendapat yang diberikan terhadap laporan keuangan yang diaudit. Tugas Akuntan Publik meliputi pemeriksaan atas dasar pengujian, bukti-bukti yang mendukung jumlah-jumlah dan pengungkapan dalam laporan keuangan.

5IFNBJOUBTLJTUPBVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUT on the date and for the year ended 31 December 2014, in accordance with the auditing standards established by the *OEPOFTJBO *OTUJUVUF PG $FSUJmFE 1VCMJD "DDPVOUBOUT 5IPTF standards requires Public Accountants to plan and perform the audit to obtain reasonable assurance that whether the mOBODJBM TUBUFNFOUT BSF GSFF PG NBUFSJBM NJTTUBUFNFOU 5IF Public Accountant is responsible for the feedback given to the BVEJUFEmOBODJBMTUBUFNFOUT1VCMJD"DDPVOUBOUEVUJFTJODMVEF examination on a test basis, evidence supporting the amounts BOEEJTDMPTVSFTJOUIFmOBODJBMTUBUFNFOUT

Biaya/Fee Jasa kantor Akuntan Publik

Services Fee of Public Accountant

Tahun/ Year

Kantor Akuntan Publik/ 1VCMJD"DDPVOUBOU0GmDF

Nama Akuntan (Perorangan)/ Accountant Name (Personal)

Biaya/Fee

2010

Ernst & Young

Hari Purwantono

Rp 1.500.000.000.000

2011

Ernst & Young

Hari Purwantono

Rp

2012

Ernst & Young

Benyanto Suherman

Rp 1.550.000.000.000

2013

Ernst & Young

Benyanto Suherman

Rp 1.550.000.000.000

2014

Ernst & Young

Benyanto Suherman

Rp 1.675.000.000.000

Selama tahun 2014, Kantor Akuntan Publik Purwantono, Suherman & Surja tidak memberikan jasa akuntan lainnya selain melakukan audit laporan keuangan Perseroan pada tanggal dan untuk tahun yang berakhir pada tanggal 31 Desember 2014.

bank bjb Laporan Tahunan 2014

900.000.000.000

%VSJOH   UIF 1VCMJD "DDPVOUBOU 0GmDF PG 1VSXBOUPOP  Suherman & Surja did not provide acounting services other UIBOUPBVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUTBTBUBOEGPS the year ended 31 December 2014.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

549

SISTEM PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM

1. Penjelasan mengenai Sistem Pengendalian Internal Sistem pengendalian Internal, terhadap aspek keuangan dan operasional merupakan lingkup dari pelaksanaan audit yang bersifat umum (general) yang meliputi: a. Aspek Keuangan Aspek-aspek yang diperhatikan dalam lingkup audit intern dengan pendekatan risiko dan proses bisnis antara lain adalah: - kebenaran, kelengkapan dan ketepatan waktu atas informasi yang disajikan dalam laporan manajemen dan laporan keuangan. - ketaatan terhadap kebijakan dan ketentuan yang telah ditetapkan (compliance objectives/ compliance audit), Auditor Intern menguji kegiatan dan operasi keuangan (mOBODJBM QSPDFTT) dari obyek yang diaudit untuk meyakini bahwa seluruh hak dan kewajiban yang timbul dari transaksi yang diotorisasi, telah dibukukan dengan benar. Disamping itu, untuk meyakini bahwa kegiatan yang dilakukan tidak bertentangan dengan sistim dan prosedur serta peraturan yang berlaku a. Aspek Operasional - Penilaian Daya Guna dan Kehematan Auditor *OUFSO NFOHJEFOUJmLBTJ  NFOHBOBMJTJT EBO NFOJMBJ peraturan yang berlaku pada setiap aspek dari organisasi, program dan kegiatan yang diaudit untuk mempertimbangkan apakah praktik yang dilakukan masih dapat diusahakan lebih hemat atau lebih berdaya guna. Penilaian semacam ini diperlukan karena penentuan apakah tujuan unit yang diperiksa dapat dicapai dengan lebih hemat atau berdaya guna, tidak dapat dilakukan tanpa memahami dahulu tujuan unit tersebut dan apa yang dikehendaki oleh peraturan yang ada. - Penilaian Hasil Guna dan Manfaat. Auditor Intern NFOHJEFOUJmLBTJ  NFOHBOBMJTJT EBO NFOJMBJ secara mendalam tentang strategi, kebijakan, sasaran (objectives) dan tujuan (goals) unit yang diperiksa, untuk dapat memahami hasil yang sebenarnya diharapkan dari kegiatan unit tersebut. Disamping itu, juga melakukan pengujian secukupnya terhadap pelaksanaan kegiatan untuk dapat menentukan apakah kegiatan tersebut dilaksanakan sesuai dengan peraturan dan mencapai hasil yang diharapkan.

1. A description of the Internal Control System  *OUFSOBMDPOUSPMTZTUFNT POUIFmOBODJBMBOEPQFSBUJPOBM aspects of the scope of the audit of a general nature (general) which includes: a. Financial Aspects The aspects considered in the scope of the internal audit and risk approach to business processes include: - Correctness, completeness and timeliness of the information presented in the management reports and mOBODJBMTUBUFNFOUT - Adherence to policies and regulations that have been set (compliance objectives / compliance audit), *OUFSOBM "VEJUPST FYBNJOF UIF BDUJWJUJFT BOE mOBODJBM PQFSBUJPOT mOBODJBM QSPDFTT  PG UIF PCKFDU UP CF audited to believe that all rights and obligations arising from the transaction is authorized, have been recorded correctly . In addition, to believe that the activities do OPU DPOnJDU XJUI UIF TZTUFNT BOE QSPDFEVSFT BOE applicable regulations a. Operational Aspect - Usability Assessment and Internal Auditorseffectiveness to identify, analyze and assess the rules that apply to every aspect of the organization, programs and activities to be audited to consider whether a practice can still be cultivated more FGmDJFOU PS NPSF FGmDJFOU 4VDI BO BTTFTTNFOU is required for purposes of determining whether the inspected unit can be achieved with more FGmDJFOUPSQPXFSGVM DBOOPUCFEPOFXJUIPVUmSTU understanding the purpose of the unit and what was required by existing regulations.  "TTFTTNFOU 3FTVMUT (VOB BOE #FOFmUT *OUFSOBM Auditor to identify, analyze and assess the depth of strategy, policy, goals (objectives) and goals (goals) units are examined, in order to understand the results that were expected from the activities PG UIF VOJU *O BEEJUJPO  BMTP QFSGPSN TVGmDJFOU testing to the implementation of activities in order to determine whether the activities carried out in accordance with regulations and achieve the expected results.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

550

SISTEM PENGENDALIAN INTERNAL

Substansi dari audit aspek operasional ini adalah QFOHVKJBO PMFI "VEJUPS *OUFSO NFOHFOBJ FmTJFOTJ dan efektivitas dari pelaksanaan kegiatan (performance objectives), pencapaian tujuan dan sasaran yang telah ditetapkan.

The essence of the operational aspect audit is UIF UFTU CZ UIF *OUFSOBM "VEJUPS PO UIF FGmDJFODZ and effectiveness of activities implementation (performance objectives), the achievement of set goals and objectives.

2. Kesesuaian Pengendalian Internal dengan COSO 1. Control Environment Direksi dan Dewan Komisaris sebagai pemangku kepentingan dalam Perusahaan telah menetapkan beberapa kebijakan dan tindakan yang mencerminkan keseluruhan pengendalian manajemen. a. Menetapkan code of conduct bankir b. Penetapan nilai-nilai budaya perusahaan (corporate value) yang tercermin dalam 14 perilaku. c. Penetapan tahun 2014 sebagai tahun zero tolerance for Fraud. d. Penetapan Struktur Organisasi sesuai dengan model bisnis perusahaan.

2. Conformity of Internal Control with COSO 1. Control Environment The Board of Directors and the Board of Commissioners as stakeholders in the Company has established TFWFSBM QPMJDJFT BOE NFBTVSFT UIBU SFnFDU UIF PWFSBMM management control. a. Establish the bankers’ code of conduct b. Establishment of corporate values which is SFnFDUFEJOCFIBWJPST c. Determination of 2014 as the zero tolerance for Fraud year. d. Determination of the Organizational Structure in accordance with the company’s business model.

2. Risk Assessment Sistem pengendalian intern yang efektif dapat NFOHJEFOUJmLBTJ EBO NFOFMBBI SJTJLP ZBOH TFDBSB NBUFSJBM EBO TJHOJmLBO BLBO NFNQFOHBSVIJ pencapaian tujuan dan sasaran Bank. Penelaahan harus mencakup seluruh risiko yang dihadapi Bank secara konsolidasi (antara lain: risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko reputasi, risiko kepatuhan, dan risiko strategik).

2. Risk Assessment Effective internal control system can identify and BOBMZ[F UIF SJTLT UIBU BSF NBUFSJBMMZ BOE TJHOJmDBOUMZ will affect the achievement of the goals and objectives of the Bank. The review should cover all risks faced by the Bank on a consolidated basis (among others: credit risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, compliance risk, and strategic risk).

Manajemen puncak telah melakukan untuk NFOHJEFOUJmLBTJ NFOHBOBMJTBEBONFOJMBJ EFMBQBO  risiko secara konsolidasi. Divisi Manajemen Risiko, Divisi Audit Internal dan Kepatuhan berseinergis EBMBNNFMBLVLBOJEFOUJmLBTJEBOQFOJMBJBOSJTJLP 3. Control Activities Direksi telah melakukan tindakan yang mengatur agar setiap aktivitas yang dijalankan oleh seluruh karyawan memiliki pengendalian internal yang memadai. Adapun tindakan tersebut antara lain: a. Menyusun, menetapkan dan menyetujui kebijakan serta standar operasional prosedur. b. Penetapan dan pemisahan tugas serta tanggung jawab setiap pegawai sesuai dengan jabatan.

bank bjb Laporan Tahunan 2014



5PQ NBOBHFNFOU IBT JEFOUJmFE  BOBMZ[FE BOE assessed 8 (eight) consolidated risks. The Risk Management Division, Internal Audit and Compliance %JWJTJPOBSFJOTZOFSHZJODPOEVDUJOHSJTLJEFOUJmDBUJPO and assessment.

3. Control Activities The Board of Directors has undertaken actions that regulates for any activities undertaken by all employees to have adequate internal control. The measures are, among others: a. Develop, establish and approve policies and standard operating procedures. b. Determination and separation of duties and responsibilities of each employee in accordance with the position.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

551 INTERNAL CONTROL SYSTEM

c. Menetapkan kebijakan limit kewenangan otorisasi Telah menetapkan dan menerapkan Bussiness Continuity Management seperti DRC (Disaster Recovery Center) dan BRC (Bussiness Recovery Center).

c. Establish the policy on authorization limit Has established and implemented Business Continuity Management such as the DRC (Disaster Recovery Center) and BRC (Bussiness Recovery Center).

4. Information and Communication Informasi merupakan aspek penting dalam setiap aktivitas perusahaan salah satunya dalam pengambilan keputusan. Informasi yang baik harus memiliki kualitas yang baik dengan kriteria informasi yang benar, akurat dan tepat waktu. Direksi telah membangun sistem informasi dan komunikasi yang efektif dan memiliki kualitas yang baik. Adapun kebijakan dan tindakan yang telah dilakukan oleh manajemen puncak adalah sebagai berikut: a. Mengunakan aplikasi berbasis internet dengan memperhatikan tingkat keamanan dan tingkatan akses sesuai dengan tugas dan tanggung jawab. b. Proses transaksi keuangan dan akuntansi telah menggunakan Standar terbaru yaitu PAPI (Peraturan Akuntansi Perbankan Indonesia). c. Informasi keuangan perusahaan telah diaudit oleh akuntan publik.

4. Information and Communication Information is an important aspect in every activity of the company, one of which is in decision making. Good information must have good quality with correct, accurate and timely information criteria. The Board of Directors has built an effective information and communication system with good quality. Policies and actions that have been carried out by top management are as follow: a. Utilizing internet-based applications by observing the level of security and the level of access in accordance with the duties and responsibilities. b. Financial and accounting transaction processes have used the latest standards, namely PAPI (Indonesian Banking Accounting Regulation). D 5IF $PNQBOZT mOBODJBM JOGPSNBUJPO IBT CFFO audited by a public accountant.

5. Monitoring Direksi melakukan evaluasi terhadap pelaksanaan pengendalian internal dalam seluruh kegiatan aktivitas bank. Evaluasi pelaksanaan pengendalian internal dilakukan oleh Divisi Audit Internal. Divisi Audit internal menyampaikan Laporan Hasil Audit kepada Direksi dan Dewan Komisaris, serta tembusan kepada Direktur Kepatuhan Selain itu, Laporan Kegiatan Audit dilaporkan kepada Bank Indonesia setiap 6 (enam) bulan.

5. Monitoring The Board of Directors evaluates internal control implementation in all activities of the bank. Evaluation of the internal control implementation is carried out by the Internal Audit Division. The Internal Audit Division submit the Audit Report to the Board of Directors and the Board of Commissioners, as well as a copy to the Compliance Director. In addition, the Audit Activity Report is reported to Bank Indonesia every 6 (six) months.

3. Penjelasan mengenai Evaluasi yang Dilakukan atas Efektivitas Sistem Pengendalian Intern Berdasarkan hasil pemeriksaan yang dilakukan oleh Divisi Audit Internal terhadap sistem pengendalian internal menunjukan bahwa bank bjb dalam menjalankan kegiatan perusahaan telah memiliki kebijakan dan disain kontrol. Kebijakan dan disain kontrol tersebut telah dijalankan secara memadai meskipun terdapat kelemahan atau kekurangan.

3. Description of Evaluation on the Effectiveness of the Internal Control System Based on the examination results conducted by the Internal Audit Division on the internal control system indicates that bank bjb in running the activity of company already has control policy and design. The control policy and design are carried out adequately despite several weaknesses or EFmDJFODJFT

bank bjb Annual Report 2014

552

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

SISTEM PENGENDALIAN INTERNAL

Divisi Audit Internal menyampaikan rekomendasi kepada Direksi agar melakukan perbaikan dan peningkatan pengendalian internal. Direksi telah melakukan peningkatan sistem pengendalian internal baik dari kebijakan disain kontrol.

The Internal Audit Division provided recommendations to the Board of Directors to improve and enhance internal control. The Board of Directors has increased its internal control systems both from design and control of policy.

4. Informasi lain yang berkaitan dengan Pengawasan Intern Perusahaan Audit Internal membantu Direksi dan Komisari salam melaksanakan tata kelola bank, antara lain dengan:

 2WKHU ,QIRUPDWLRQ UHODWHG WR WKH &RPSDQ\·V ,QWHUQDO Monitoring Internal Audit assists the Board of Directors and the Board of Commissioners in implementing the bank’s governance, among others, by: a. In particular the establishment of policies and implementation consistency by top management; b. Conduct objective evaluation on risks and internal control system which is currently running; c. Conduct a systematic analysis on the business process and its control; d. Conduct a review to ensure the security of the Bank’s Assets; e. Deliver information on fraud; f. Ensuring compliance implementation towards various applicable regulations; H $POEVDU SFWJFXT PO PQFSBUJPOBM BOE mOBODJBM performance; h. Recommend the utilization of resources to be more FGGFDUJWFBOEFGmDJFOU i. Review on the achievement of goals and objectives; j. Provide feedback on adherence to the Corporate Culture and the Essence of the applicable Corporate Culture.

a. Khususnya penetapan kebijakan dan konsistensi pelaksanaannya oleh manajemen puncak; b. Melakukan evaluasi yang obyektif atas risiko dan sistem pengendalian intern yang berjalan saat ini; c. Melakukan analisis yang sistematis atas proses bisnis dan pengendaliannya; d. Melakukan review untuk memastikan pengamanan Aset Bank; e. Menyampaikan informasi atas terjadinya kecurangan (Fraud); f. Memastikan pelaksanaan kepatuhan terhadap berbagai peraturan yang berlaku; g. Melakukan review atas kinerja operasional dan mOBOTJBM h. Merekomendasikan penggunaan sumber daya agar MFCJIFGFLUJGEBOFmTJFO i. Penelaahan terhadap pencapaian tujuan dan obyektif; j. Memberikan masukan mengenai ketaatan terhadap Budaya Perusahaan dan Intisari Butir-Butir Perilaku Budaya Perusahaan yang berlaku.

Jumlah Penyimpangan Internal

Number o Internal Fraud

Pengertian Fraud mengacu kepada Surat Edaran Bank Indonesia Nomor 13/28/DPNP tanggal 9 Desember 2011 perihal strategi anti fraud bagi Bank Umum. Jumlah penyimpangan internal bank bjb yang terjadi selama tahun 2014:

5IF EFmOJUJPO PG 'SBVE SFGFST UP #BOL *OEPOFTJB $JSDVMBS Letter No. 13/28/DPNP dated 9 December 2011 on anti-fraud strategy for Commercial Banks. The number of internal fraud at bank bjb that occurred during 2014:

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

553 INTERNAL CONTROL SYSTEM

Jumlah kasus yang dilakukan oleh/The number of cases performed by

Internal Fraud dalam 1 tahun/ Internal Fraud in 1 year

Anggota Dewan Komisaris dan Anggota Direksi/Members of the Board of Commissioners and Board of Directors Member

Pegawai Tetap/ Permanent Employee

Pegawai Tidak Tetap/ Non Permanent Employee

Tahun Sebelumnya/ Previous Year

Tahun Berjalan/ Current Year

Tahun Sebelumnya/ Previous Year

Tahun Berjalan/ Current Year

Tahun Sebelumnya/ Previous Year

Tahun Berjalan/ Current Year

Telah diselesaikan/Has been completed

-

-

-

-

-

-

Dalam proses penyelesaian di internal Bank/In the process of settlement in the Bank’s internal

-

-

3 kasus/cases: - KCP Kreo - KC Balaraja - KCP Ciawi

-

-

-

Belum diupayakan penyelesaian/ Has not been sought completion

-

-

1 kasus/case: - KCP Katapang

-

-

-

Telah ditindaklanjuti melalui proses hukum/Has been followed through the legal process

-

-

1 kasus/case: - KCP Jamika

-

-

-

Total Fraud/Total Fraud

Keterangan: 1. Data tersebut merupakan data fraud dengan nominal di atas Rp.100.000.000,(seratus juta rupiah) yang bersifat risk loss maupun potensial loss. 2. Pegawai tidak tetap berkoordinasi dengan pegawai tetap dalam melakukan tindakan fraud.

Notes: 1. The data is the data fraud with the above nominal Rp.100.000.000, - (one hundred million dollars), which is the risk of potential loss or loss. 2. Temporary staff in coordination with the employee remains in the fraud action.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

554

PERKARA HUKUM LEGAL CASES

Perkara Penting yang Sedang Dihadapi Perusahaan/Entitas Anak/Anggota Direksi/ Anggota Dewan Komisaris yang Sedang Menjabat pada Periode Laporan Tahunan No

1

2

Jenis Perkara/ Type of Case Perdata Civil

Perdata Civil

Pokok Perkara/ Principal Case

Posisi Perseroan/ Position Company

Important Case The Moderate Faced by the Company/Subsidiary/Board of Directors/Member of the Board of Commissioners Who is Served in Annual Report Period

Status Penyelesaian/ Completion Status

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat/ bank bjb as a defendant

Pengadilan Negeri/District Court Menolak gugatan Penggugat To overrule the Plaintiff’s claim

Pembatalan jaminan kredit Cancellation of loan collateral

bank bjb selaku tergugat III/ bank bjb as defendant III

Pengadilan Negeri/District Court 1. Mengabulkan gugatan Penggugat untuk sebagian; 2. Menyatakan Perjanjian Kredit adalah sah dan mengikat 3. Menyatakan Para Tergugat terkait penambahan plafon dan perpanjangan waktu kredit dinyatakan tidak sah dan cacat hukum 1. To grant the Plaintiff’s claim for partially; 2. Declare Credit Agreement is valid and binding 3. Declare the Defendants related to the addition ceiling and the extension of credit period stated unauthorized and legal defects

Dampak Pada Perseroan/ Impact to the Company

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ perusahaan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIFDPNQBOZ

Perseroan/Company Upaya Hukum Banding dari Penggugat Appeal from the Plaintiff’s Legal Action 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ perusahaan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIFDPNQBOZ

PT. Banten 1. Menyatakan Perjanjian Kredit adalah sah dan mengikat 2. Menguatkan putusan Pengadilan Negeri Serang 1. Declare Credit Agreement is valid and binding 2. Strengthening the Serang District Court Mahkamah Agung/Supreme Court Upaya Hukum Kasasi dari pihak Tergugat Remedies Cassation of the Defendant 3

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Kesimpulan dari para pihak Phase Conclusions of the parties

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

4

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Stage Evidence proving the principal case of the parties

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

5

Perdata Civil

Gugatan atas perbuatan melawan hukum Lawsuit on tort

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap pembuktian pokok perkara Tahap Pembuktian dari para pihak Proving phase of the principal case. Proving Phase of Parties.

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

7

Perdata Civil

Gugatan perlawanan eksekusi debitur bank bjb Lawsuit resistance execution debtor bank bjb

bank bjb selaku tergugat II bank bjb as the second defendant

Pengadilan Negeri/District Court Tahap Kesimpulan dari para pihak Phase Conclusions of the parties

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

8

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat II bank bjb as the second defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

9

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat I bank bjb as the mSTUEFGFOEBOU

Pengadilan Negeri/District Court Tahap Jawaban Answers Phase

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

10

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

555 LEGAL CASES

No

Jenis Perkara/ Type of Case

Pokok Perkara/ Principal Case

Posisi Perseroan/ Position Company

Status Penyelesaian/ Completion Status

Dampak Pada Perseroan/ Impact to the Company

11

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

12

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku penggugat bank bjb as the plaintiff

Sudah diajukan gugatan, dan menunggu Panggilan "MSFBEZmMFEBMBXTVJU BOEXBJUGPSDBMMT

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

13

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ perusahaan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

14

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Mediasi, Pihak Penggugat mengajukan keringanan kredit kepada pihak tergugat .FEJBUJPOTUBHF 1BSUZ1MBJOUJGGTmMFEXBJWFSTDSFEJUUPUIF defendant

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

15

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat II bank bjb as the second defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

16

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Pekalongan Tahap Mediasi

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

17

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat II bank bjb as the second defendant

Pengadilan Negeri/District Court Penunjukan Hakim Mediator The appointment of Judge Mediator

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

18

Perdata Civil

Gugatan atas kredit oleh debitur Lawsuit on loans by borrowers

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Replik (Tanggapan Penggugat atas Jawaban Pihak Tergugat) Phase Reply (Comments on Answer Party Plaintiff Defendant)

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

19

Perdata Civil

Gugatan atas perbuatan melawan hukum Cikini Lawsuit on tort Cikini

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Pembuktian dari para pihak Proof of the parties

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

20

Perdata Civil

Gugatan perbuatan melawan hukum Lawsuit on tort

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Jawaban Phase Answers

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

21

Perdata Civil

Gugatan atas Perlawanan Eksekusi Hak Tanggungan

bank bjb selaku tergugat bank bjb as defendant

Pengadilan Negeri/District Court Tahap Kesimpulan dari para pihak Phase Conclusions of the parties

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

22

Perdata Civil

Gugatan permasalahan terkait pailit PT. Nincec

bank bjb selaku tergugat bank bjb as defendant

Mahkamah Agung/Supreme Court Kasasi dari Pihak Penggugat Cassation of Party Plaintiff

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

23

Perdata Civil

Gugatan wanprestasi terkait bank garansi

bank bjb selaku tergugat II bank bjb as the second defendant

Pengadilan Tinggi/High Court Banding dari Pihak Tergugat I The appeal of Defendant I

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

24

Perdata Civil

Gugatan perbuatan melawan hukum Lawsuit on tort

bank bjb selaku tergugat I bank bjb as the mSTUEFGFOEBO

Pengadilan Negeri/District Court Tahap Pembuktian dari para pihak

5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ Perseroan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

556

AKSES INFORMASI DATA PERUSAHAAN ACCESS TO COMPANY INFORMATION

Dalam upaya memberikan informasi yang transparan kepada publik berkaitan dengan perkembangan dan pelaksanaan pengelolaan usaha Bank serta demi menjalankan program komunikasi pemasaran, di tahun 2014 bank bjb telah menggunakan beragam perangkat untuk menyampaikan informasi penting yang perlu diketahui para pemangku kepentingan diantaranya melalui: 1. website www.bankbjb.co.id 2. bjb call 14049 3. Korespondesi Surat

In the effort to provide transparent information to the public relating to the development and implementation of bank bjb’s business management and to perform marketing communications program, in the year 2014 the Company has used various devices to convey important information needed to know by the stakeholders: 1. website www.bankbjb.co.id 2. bjb call 14049 3. Correspondent Letter

@infobankbjb

@infobankbjb

bankbjbPGmDJBM

bankbjbPGmDJBM

Menara bank bjb Jl. Naripan No. 12-14 Bandung Telp: 022-4234868 (hunting) Fax: 022-4206099

Menara bank bjb Jl. Naripan No. 12-14 Bandung Telp: 022-4234868 (hunting) Fax: 022-4206099

Korespondensi dengan Otoritas Pasar Modal

Correspondence with the Capital Market Authority

Berikut adalah daftar laporan yang disampaikan kepada regulator maupun Self Regulatory Organization (SRO) selama tahun 2014:

The following is a list of reports submitted to regulators as well as Self Regulator Organization for the year 2014:

Tanggal Date

No. Surat Letter Number

9 Januari 2014

2314/CS-IR/2014

16 Januari 2014

71C/CS-IR/2014

16 Januari 2014

71D/CS-IR/2014

16 Januari 2014

71E/CS-IR/2014

16 Januari 2014

71A/CS-IR/2014

16 Januari 2014

71B/CS/IR/2014

21 Januari 2014

0091/CS-IR/2014

24 Febuari 2014

081/DIR-CS/2014

24 Febuari 2014

081a/DIR-CS/2014

26 Febuari 2014

091/DIR-CS/2014

26 Febuari 2014

091A/DIR-CS/2014

Perihal Subject Laporan Hasil Pemeringkatan INSIDENTIL Reports Results Ranking INCIDENTAL Keterbukaan Informasi Pemegang Saham Tertentu Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Yang Perlu Diketahui Publik Surat BEI No. 00188/BEI. 11+1FOZBNQBJBOJOGPSNBTJUFSLBJUCFMVNBEBOZBLFQVUVTBOIBTJMmU proper test a/n Bpk Djamal Muslim dari BI/OJK Disclosure Public Know IDX Letter No. 00188/BEI.PPJ/01-2014: The submission of JOGPSNBUJPOSFMBUFEUPUIFBCTFODFPGBEFDJTJPOSFTVMUPGmUBOEQSPQFSUFTUBO Mr. Jamal Muslims of BI / FSA Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan dan Luar Biasa Plan Notice of Annual General Meeting of Shareholders and Extraordinary Penyampaian Bukti Iklan Pemberitahuan RUPS Submission of Advertisement Notice AGM Penyampaian Bukti Iklan Informasi Penggantian Penunjukan Corporate Secretary Submission of Advertisement Replacement Information Appointment of Corporate Secretary Perubahan Corporate Secretary Changes in Corporate Secretary

Rujukan/Ketentuan Reference OJK - BEI - KSEI/FSA - IDX - ICSD OJK - BEI/FSA - IDX OJK - BEI /FSA - IDX OJK - BEI /FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX

BEI/IDX

OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX

7 Maret 2014

361a/DIR-CS/2014

Penyampaian Bukti Iklan Hasil RUPS Submission of Advertisement Results AGM

OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega)

9 Maret 2014

2336/CS-IR/2014

Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders

OJK - BEI/FSA - IDX

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

557

Tanggal Date

No. Surat Letter Number

Perihal Subject

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa Calls General Meeting of Shareholders and Extraordinary

12 Maret 2014

606a/DIR-CS/2014

Penyampaian Bukti Iklan Panggilan RUPS Submission of AGM Call Ads

14 Maret 2014

186/DIR-CS/2014

Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Penggunaan Dana Hasil Penawaran Umum dari yang telah Ditetapkan dalam Prospektus Disclosure Public Know Changes in Use of Proceeds from the Public Offering 1SPTQFDUVTIBT%FmOFE

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan dan Luar Biasa The General Meeting of Shareholders and Extraordinary

27 Maret 2014

154b/DIR-CS/2014

Jadwal Dividen Tunai Schedule of Cash Dividend

27 Maret 2014

0884/CS-IR/2014

27 Maret 2014

0884a/CS-IR/2014

27 Maret 2014

0884b/CS-IR/2014

27 Maret 2014

0884c/CS-IR/2014

27 Maret 2014

0884d/CS-IR/2014

27 Maret 2014

0884e/CS-IR/2014

27 Maret 2014

154a/DIR-CS/2014

12 April 2014

2994/CS-IR/204

30 April 2014

215a/CS-IR/2014

30 April 2014

215/DIR-CS

3 Mei 2014

0629/CS/2014

11 Mei 2014

2795/CS-IR/2014

Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Penyampaian Bukti Iklan Hasil RUPS Submission of Advertisement Results AGM Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of Interim Financial Statements Information Advertising Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa /PUJmDBUJPO1MBO(FOFSBM.FFUJOH&YUSBPSEJOBSZ4IBSFIPMEFST

26 Mei 2014

281/DIR-CS/2014

28 Mei 2014

290/DIR-CS/2014

28 Mei 2014

290/DIR-CS/2014

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa /PUJmDBUJPO1MBO(FOFSBM.FFUJOH&YUSBPSEJOBSZ4IBSFIPMEFST

30 Mei 2014

287a/DIR-CS/2014

Penyampaian Bukti Iklan Pemberitahuan RUPS Submission of Advertisement Notice AGM

1 Juni 2014

0023/CS-IR/2014

6 Juni 2014

1596/CS-IR/2014

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa Calls General Meeting Extraordinary Shareholders

16 Juni 2014

312a/DIR-CS/2014

Penyampaian Bukti Iklan Panggilan RUPS Submission of AGM Call Ads

2 Juli 2014

282/CS/IR/2014

Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders

Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Permintaan Penjelasan Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014 Disclosure Public Know Request Explanation Answer Indonesia Stock Exchange No. S-02005 / BEI.PG2 / 05-2014 Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Penjelasan atas surat Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014 Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Penjelasan atas surat Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014

Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders

Rujukan/Ketentuan Reference OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) BEI/IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI/FSA - IDX - ICSD OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) BEI/IDX

OJK - BEI - KSEI/FSA - IDX - ICSD OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI/FSA - IDX

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

558

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa Results of General Meeting The Extraordinary Shareholders

OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega)

4 Juli 2014

0962/CS-IR/2014

7 Juli 2014

1862/CS-IR/2014

15 Juli 2014

377/DIR-CS/2014

24 Juli 2014

407a/DIR-CS/2014

24 Juli 2014

407/DIR-CS/2014

4 Agustus 2014

0884F/CS-IR/2014

4 Agustus 2014

0884G/CS-IR/2014

4 Agustus 2014

0884H/CS-IR/2014

4 Agustus 2014

0884I/CS-IR/2014

5 Agustus 2014

1290/CS-IR/2014

1 September 2014

011/DIR-CS/2014

8 September 2014

2341/CS-IR/2014

10 September 2014

525/CS-DIR/2014

11 Oktober 2014

2815/CS-IR/2014

11 Oktober 2014

2829/CS-IR/2014

27 Okrober 2014

562/DIR-CS/2014

Penyampaian Bukti Iklan Pemberitahuan RUPS Submission of Advertisement Notice AGM

27 Okrober 2014

562a/CS-IR/2014

Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa /PUJmDBUJPO1MBO(FOFSBM.FFUJOH&YUSBPSEJOBSZ4IBSFIPMEFST

29 Oktober 2014

564a/DIR-CS/2014

29 Oktober 2014

564/DIR-CS/2014

29 Oktober 2014

564b/DIR-CS/2014

29 Oktober 2014

2727/CS-IR/2014

2 November 2014

0335/CS-IR/2014

2 November 2014

0335a/CS-IR/2014

3 November 2014

099/DIR-C/2014

Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Penggunaan Dana Hasil Penawaran Umum Disclosure of Public Know Reports Use of Proceeds from Public Offering Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of Interim Financial Statements Information Advertising Penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Penggunaan Dana Hasil Penawaran Umum dari yang telah Ditetapkan dalam Prospektus Disclosure Public Know Changes in Use of Proceeds from the Public Offering 1SPTQFDUVTIBT%FmOFE Laporan Bulanan Registrasi Pemegang Efek Monthly Register of Securities Holders Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Penggunaan Dana Hasil Penawaran Umum Disclosure of Public Know Reports Use of Proceeds from Public Offering Laporan Hasil Pemeringkatan TAHUNAN Ranking Results Annual Reports Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Permintaan Penjelasan Bursa Efek Indonesia Surat No. S-05196/BEI.PG2/10.2014 Disclosure Public Know Request Explanation Answer Indonesia Stock Exchange Letter No. S-05 196 / BEI.PG2 / 10.2014

Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of Interim Financial Statements Information Advertising Penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements Penyampaian Laporan Keuangan Interim (KOREKSI) Submission of Interim Financial Statements (CORRECTION) Keterbukaan Informasi Yang Perlu Diketahui Publik Pemindahan Alamat Kantor Cabang Mangga Dua Menjadi beralamat di Jl. Gajahmada No.86A & B Jakarta Disclosure of Public Know Change of Address Branch Mangga Dua Being located at Jl. Gajahmada No.86A & B Jakarta Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Keterbukaan Informasi Pemegang Saham Tertentu Disclosure Certain Shareholders Penyampaian Laporan Keuangan Tahunan Submission of Annual Financial Statements

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa Calls General Meeting of Shareholders and Extraordinary

3 November 2014

098a/DIR-CS/2014

Penyampaian Bukti Iklan Panggilan RUPS Submission of AGM Call Ads

3 November 2014

099a/DIR-CS/2014

3 November 2014

100/DIR-CS/2014

bank bjb Laporan Tahunan 2014

Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan Submission of Advertisement Information Annual Financial Statements Penyampaian laporan tahunan Submission of annual reports

OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX

OJK - BEI/FSA - IDX

OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX

BEI/IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX

BEI/IDX

OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI/FSA - IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI OJK - BEI

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

559 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

11 November 2014

582a/DIR-CS/2014

11 November 2014

582/DIR-CS/2014

3 Desember 2014

100a/DIR-CS/2014

5 Desember 2014

253/DIR-CS/2014

22 Desember 2014

650 /DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa Results of General Meeting The Extraordinary Shareholders

22 Desember 2014

650a/DIR-CS/2014

Penyampaian Bukti Iklan Hasil RUPS Submission of Advertisement Results AGM

Keterbukaan Informasi Yang Perlu Diketahui Publik Ralat Pemberitahun Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) Disclosure Public Know the notice Correction General Meeting Extraordinary Shareholders (EGM) Penyampaian Bukti Iklan Lainnya Submission of Advertisement Other Penyampaian laporan tahunan Submission of annual reports Keterbukaan Informasi Yang Perlu Diketahui Publik Pemberitahuan Hasil Penilaian Kemampuan dan Kepatutan Disclosure Notice of Public Know Fit and Proper Test Results

OJK - BEI

OJK - BEI OJK - BEI BEI/IDX OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega) OJK - BEI - KSEI - PEFINDO - Wali Amanat (Bank Mega)/FSA - IDX -ICSD - PEFINDO Trustee - (Bank Mega)

Korespondensi dengan Pemegang Saham

Korespondensi dengan Pemegang Saham

Berikut adalah daftar laporan yang disampaikan kepada Pemegang Saham selama tahun 2014:

Berikut adalah daftar laporan yang disampaikan kepada Pemegang Saham selama tahun 2014:

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Gubernur Jawa Barat/ Governor of West Java

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bandung/ Major of Bandung

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cimahi/ Major of Cimahi

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Depok/ Major of Depok

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bekasi/ Major of Bekasi

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bogor/ Major of Bogor

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Banjar/ Major of Banjar

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Sukabumi/ Major of Sukabumi

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cirebon/ Major of Cirebon

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bandung/ Regent of Bandung

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bogor/ Regent of Bogor

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Cianjur/ Regent of Cianjur

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Indramayu/ Regent of Indramayu

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Sukabumi/ Regent of Sukabumi

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bekasi/ Regent of Bekasi

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Karawang/ Regent of Karawang

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

560

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Cirebon/ Regent of Cirebon

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Purwakarta/ Regent of Purwakarta

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Sumedang/Regent of Sumedang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Subang/ Regent of Subang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Majalengka/Regent of Majalengka

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Ciamis/ Regent of Ciamis

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Kuningan/ Regent of Kuningan

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Garut/ Regent of Garut

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Gubernur Banten/ Governor of Banten

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Tangerang/ Major of Tangerang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cilegon/ Major of Cilegon

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Tangerang/ Regent of Tangerang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Serang/ Regent of Serang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Pandeglang/ Regent of Pandeglang

24 Februari 2014

081/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Lebak/ Regent of Lebak

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Gubernur Jawa Barat/ Governor of West Java

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bandung/Major of Bandung

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cimahi/Major of Cimahi

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Depok/Major of Depok

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bekasi/ Major of Bekasi

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Bogor/ Major of Bogor

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Banjar/ Major of Cilegon

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Sukabumi/ Major of Sukabumi

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cirebon/ Major of Cirebon

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bandung/ Regent of Lebak

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bogor/ Regent of Bogor

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

561 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Cianjur/ Regent of Cianjur

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Indramayu/ Regent of Indramayu

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Sukabumi/ Regent of Sukabumi

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Bekasi/ Regent of Bekasi

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Karawang/ Regent of Karawang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Cirebon/ Regent of Cirebon

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Purwakarta/ Regent of Purwakarta

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Sumedang/ Regent of Sumedang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Subang/ Regent of Subang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Majalengka/ Regent of Majalengka

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Ciamis/ Regent of Ciamis

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Kuningan/ Regent of Kuningan

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Garut/ Regent of Garut

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Gubernur Banten/ Governor of Banten

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Tangerang/ Major of Tangerang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Cilegon/ Major of Cilegon

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Walikota Tangerang/ Major of Tangerang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Serang/ Regent of Serang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Pandeglang/ Regent of Pandeglang

12 Maret 2014

606/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014

Bupati Lebak/ Regent of Lebak

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Gubernur Jawa Barat/ Governor of West Java

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Bandung/ Major of Bandung

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Cimahi/ Major of Cimahi

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Depok/Major of Depok

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Tasikmalaya/Major of Tasikmalaya

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

562

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Bekasi/ Regent of Tasikmalaya

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Bogor/ Regent of Tasikmalaya

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Banjar/ Major of Banjar

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Sukabumi/ Major of Sukabumi

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Cirebon/ Major of Cirebon

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Bandung/ Regent of Bandung

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Bogor/ Regent of Bogor

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Tasikmalaya/ Regent of Tasikmalaya

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Cianjur/ Regent of Cianjur

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Indramayu/ Regent of Indramayu

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Sukabumi/ Regent of Sukabumi

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Bekasi/ Regent of Bekasi

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Karawang/ Regent of Karawang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Cirebon/ Regent of Cirebon

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Purwakarta/ Regent of Purwakarta

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Sumedang/ Regent of Sumedang

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

563 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Subang/ Regent of Subang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Majalengka/ Regent of Majalengka

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Ciamis/ Regent of Ciamis

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Kuningan/ Regent of Kuningan

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Garut/ Regent of Garut

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Gubernur Banten/ Governor of Banten

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Tangerang/ Major of Tangerang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Walikota Cilegon/ Major of Cilegon

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Tangerang/ Regent of Tangerang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Serang/ Regent of Serang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Pandeglang/ Regent of Pandeglang

27 Maret 2014

154/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan Pengumuman Pembagian Dividen Tahun Buku 2013 General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Announcement for Fiscal Year 2013

Bupati Lebak/ Regent of Lebak

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bandung/ Major of Bandung

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cimahi/ Major of Cimahi

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Depok/ Major of Depok

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bekasi/ Major of Bekasi

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bogor/ Major of Bogor

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Banjar/ Major of Banjar

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

564

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cirebon/ Major of Cirebon

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bandung/ Regent of Bandung

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bogor/ Regent of Bogor

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Karawang/ Regent of Karawang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Subang/ Regent of Subang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Garut/ Regent of Garut

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Gubernur Banten/ Governor of Banten

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Tangerang/ Major of Tangerang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cilegon/ Major of Cilegon

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Tangerang/ Regent of Kuningan

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Serang/ Regent of Serang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

30 Mei 2014

287/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Lebak/ Regent of Lebak

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bandung/ Major of Bandung

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cimahi/ Major of Cimahi

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

565 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Depok/ Major of Depok

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bekasi/ Major of Bekasi

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bogor/ Major of Bogor

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Banjar/ Major of Banjar

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cirebon/ Major of Cirebon

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bandung/ Regent of Bandung

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bogor/ Regent of Bogor

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Karawang/ Regent of Karawang

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Subang/ Regent of Subang

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Garut/ Regent of Garut

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Gubernur Banten/ Governor of Banten

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Tangerang/ Major of Tangerang

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cilegon/ Major of Cilegon

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Tangerang/ Regent of Kuningan

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Serang/ Regent of Serang

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

566

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

16 Juni 2014

312/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Lebak/ Regent of Lebak

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bandung/ Major of Bandung

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cimahi/ Major of Cimahi

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Depok/ Major of Depok

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bekasi/ Major of Bekasi

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bogor/ Major of Bogor

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Banjar/ Major of Banjar

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cirebon/ Major of Cirebon

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bandung/ Regent of Bandung

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bogor/ Regent of Bogor

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Karawang/ Regent of Karawang

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Subang/ Regent of Subang

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Garut/ Regent of Garut

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

567 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Gubernur Banten/ Governor of Banten

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Tangerang/ Major of Depok

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cilegon/ Major of Depok

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Tangerang/ Regent of Lebak

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Serang/ Regent of Serang

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

3 Juli 2014

361/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Lebak/ Regent of Lebak

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bandung/ Major of Bandung

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cimahi/ Major of Cimahi

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Depok/ Major of Depok

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bekasi/ Major of Bekasi

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Bogor/ Major of Bogor

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Banjar/ Major of Banjar

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cirebon/ Major of Cirebon

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bandung/ Regent of Bandung

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bogor/ Regent of Bogor

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Karawang/ Regent of Karawang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

568

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Subang/ Regent of Subang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Garut/ Regent of Lebak

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Gubernur Banten/ Governor of Banten

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Tangerang/ Major of Tangerang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Walikota Cilegon/ Major of Cilegon

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Tangerang/ Regent of Tangerang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Serang/ Regent of Serang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

27 Oktober 2014

562/DIR-CS/2014

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Meeting Notice of Extraordinary General Shareholders 2014

Bupati Lebak/ Regent of Lebak

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bandung/ Major of Bandung

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cimahi/ Major of Cimahi

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Depok/ Major of Depok

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bekasi/ Major of Bekasi

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Bogor/ Major of Bogor

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Banjar/ Major of Banjar

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cirebon/ Major of Cirebon

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bandung/ Regent of Bandung

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bogor/ Regent of Bogor

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

569 ACCESS TO COMPANY INFORMATION

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Karawang/ Regent of Karawang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Subang/ Regent of Subang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Garut/ Regent of Garut

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Gubernur Banten/ Governor of Banten

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Tangerang/ Major of Tangerang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Walikota Cilegon/ Major of Cilegon

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Tangerang/ Regent of Tangerang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Serang/ Regent of Serang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

3 November 2014

098/DIR-CS/2014

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Calls General Meeting Extraordinary Shareholders 2014

Bupati Lebak/ Regent of Lebak

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Gubernur Jawa Barat/ Governor of West Java

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bandung/ Major of Bandung

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cimahi/ Major of Cimahi

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Depok/ Major of Depok

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Tasikmalaya/ Major of Tasikmalaya

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bekasi/ Major of Bekasi

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Bogor/ Major of Bogor

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Banjar/ Major of Banjar

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Sukabumi/ Major of Sukabumi

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cirebon/ Major of Cirebon

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

570

AKSES INFORMASI DATA PERUSAHAAN

Tanggal Date

No. Surat Letter Number

Perihal Subject

Rujukan/Ketentuan Reference

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bandung/ Regent of Bandung

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bogor/ Regent of Bogor

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Tasikmalaya/ Regent of Tasikmalaya

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Cianjur/ Regent of Cianjur

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Indramayu/ Regent of Indramayu

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Sukabumi/ Regent of Sukabumi

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Bekasi/ Regent of Bekasi

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Karawang/ Regent of Karawang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Cirebon/ Regent of Cirebon

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Purwakarta/ Regent of Purwakarta

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Sumedang/ Regent of Sumedang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Subang/ Regent of Subang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Majalengka/ Regent of Majalengka

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Ciamis/ Regent of Ciamis

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Kuningan/ Regent of Kuningan

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Garut/ Regent of Garut

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Gubernur Banten/ Governor of Banten

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Tangerang/ Major of Tangerang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Walikota Cilegon/ Major of Cilegon

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Tangerang/ Regent of Tangerang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Serang/ Regent of Serang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Pandeglang/ Regent of Pandeglang

22 Desember 2014

098/DIR-CS/2014

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Results of General Meeting The Extraordinary Shareholders 2014

Bupati Lebak/ Regent of Lebak

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

571 ACCESS TO COMPANY INFORMATION

Kegiatan Grup Investor Relations di tahun 2014 Investor Relations Group Activities in 2014 No

Tanggal Date

Nama Investor Investor Name

Kontak Personal Contact Person

Jabatan Position

Lokasi Locations

1

7 Januari 2014

Tokio Marine AM

Evelyn Ong

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB

2

8 Januari 2014

Daiwa SB

Eng Seang Seet

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB

3

8 Januari 2014

Somerset Capital

Timothy Hay

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB

4

8 Januari 2014

QVT Financial

Sangmesh Jatti

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB

5

8 Januari 2014

Institutional Capital

Ben Lammers

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB

6

9 Januari 2014

Macquarie Group

Alex Lee

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

7

9 Januari 2014

Buena Vista FM

Jeff Liu

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

8

9 Januari 2014

Schoders IM

Jay Luong

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

9

10 Januari 2014

Harvest Global Investment

Judy Chang

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

10

10 Januari 2014

GAM

Camille Vergara

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

11

10 Januari 2014

Hamon AM

Christopher Chu

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

12

10 Januari 2014

Value Partners

Norman Ho

"TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH

13

16 Januari 2014

Mandiri Securities

14

23 Januari 2014

Bahana Securities

Teguh P

Analyst

1BDJmD1MBDF

15

23 Januari 2014

BNP Paribas AM

Made Suardhini

Senior Analyst

1BDJmD1MBDF

16

13 Februari 2014

Lynas Capital

17

26 Februari 2014

Daiwa SB

Seet Eng Seang

Analyst

UBS Indonesia Conference 2014

18

26 Februari 2014

PAG

Nicholas Spratt

Executive Director

UBS Indonesia Conference 2014

19

26 Februari 2014

Manulife AM

Rania Rahmundita

Analyst

UBS Indonesia Conference 2014

20

26 Februari 2014

PICTET

David Chatterjee

Senior Manager

UBS Indonesia Conference 2014

21

26 Februari 2014

JP Morgan AM

Mark Ferguson

Executive Director

UBS Indonesia Conference 2014

22

26 Februari 2014

Franklin Templeton Investments

Anand Vasudevan

Senior VP

UBS Indonesia Conference 2014

23

26 Februari 2014

State Street Global Advisor

Oliver Mclure

Analyst

UBS Indonesia Conference 2014

24

26 Februari 2014

Wasatch Advisors

Roger Edley

Director

UBS Indonesia Conference 2014

25

26 Februari 2014

Putnam Investment

Andrew Yoon

Equity Associate

UBS Indonesia Conference 2014

26

26 Februari 2014

BNP Paribas AM

Made Suardhini

Senior Analyst

UBS Indonesia Conference 2014

27

11 Maret 2014

Valbury

Novia Agatha

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

28

11 Maret 2014

Onix Sekuritas

Rahmat Halim

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

29

11 Maret 2014

Valbury

Marcy Geovani

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

30

11 Maret 2014

AM Capital

Yap Swie Cu

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

31

11 Maret 2014

Waterfront Securities

Andrianto Tirta

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

32

11 Maret 2014

DBS Vickers

Christopher Wijaya Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

Tjandra Lienandjaja Head Of Research

Andrew Henderson Executive Director

Plaza Senayan

Arthaloka Jakarta

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

572

AKSES INFORMASI DATA PERUSAHAAN

No

Tanggal Date

Nama Investor Investor Name

Kontak Personal Contact Person

Jabatan Position

Lokasi Locations

33

11 Maret 2014

BCA Sekuritas

Alexander Margaronis

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

34

11 Maret 2014

BCA Sekuritas

Nicholas Santoso

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

35

11 Maret 2014

Citi

Salman Ali

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

36

11 Maret 2014

Bahana Securities

Laurentius

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

37

11 Maret 2014

Maybank Kim Eng

Rahmi Marina

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

38

11 Maret 2014

Bahana TCW

Ivan

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

39

11 Maret 2014

Bahana TCW

Faradilla Meyriska

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

40

11 Maret 2014

Mandiri Securities

Tjandra Lienandjaja Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

41

11 Maret 2014

Mandiri Securities

Vanessa Tanuwidjaya

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

42

11 Maret 2014

CLSA

Hendy Soegiarto

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

43

11 Maret 2014

Danareksa IM

Rafdi

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

44

11 Maret 2014

Buana Capital

Marolop P

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

45

11 Maret 2014

UBS Securities

Joshua Tanja

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

46

11 Maret 2014

Macquarie Securities

Dewi Kusuma

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

47

11 Maret 2014

Credit Suisse

Aldo Benas

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

48

11 Maret 2014

MNC Securities

Dian Agustina

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

49

11 Maret 2014

MNC Securities

Shiao Xian

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

50

11 Maret 2014

MNC

Zabrina Raissa

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

51

11 Maret 2014

Sinarmas Securities

Tessa Mulia

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

52

11 Maret 2014

Sinarmas Securities

Handiman

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

53

11 Maret 2014

Asjaya Indosurya

William Surya

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

54

11 Maret 2014

Asjaya Indosurya

Iman Rahmanul

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

55

11 Maret 2014

RHB OSK AM

Liew Kong Qian

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

56

11 Maret 2014

Trimegah Securities

3PCCZ)BmM

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

57

11 Maret 2014

AAA Securities

Angky W

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

58

11 Maret 2014

Ciptadana Securities

Syaiful Adrian

Research Analyst

FY2013 Analyst Meeting, Four Seasons Hotel

59

28 Maret 2014

Waterfront Securities

Isfhan Helmi

Research Analyst

Artaloka Jakarta

60

1 April 2014

Manulife AM

Rahnia

Research Analyst

Palma One Jakarta

61

1 April 2014

Mandiri Securities

62

25 April 2014

UBS Securities

Tjandra Lienandjaja Research Analyst Joshua Tanja

Research Analyst

Palma One Jakarta 3JU[$BSMUPO1BDJmD1MBDF

63

30 April 2014

UBS Securities

Joshua Tanja

Research Analyst

Four Seasons Hotel

64

30 April 2014

AAA Securities

Angki Anggani

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

65

30 April 2014

Valbury Asia Securities

Mary Giovani

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

66

30 April 2014

Valbury

Novia Agama

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

67

30 April 2014

PT Anugrah Securities

Rio

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

68

30 April 2014

PT RHB DSC AM

Lie Kong Qian

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

69

30 April 2014

UBS Securities

Joshua Tang

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

573 ACCESS TO COMPANY INFORMATION

No

Tanggal Date

Nama Investor Investor Name

Kontak Personal Contact Person

Jabatan Position

Lokasi Locations

70

30 April 2014

UBS Securities

Olivia

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

71

30 April 2014

Mandiri Securities

Vanessa Tanuwijaya Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

72

30 April 2014

RHB OSK AM

Roaky Indrawan

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

73

30 April 2014

Mandiri Securities

Tjaudiah

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

74

30 April 2014

BCA Sekuritas

Alex Margarouis

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

75

30 April 2014

Bahana Securities

Teguh Hantamla

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

76

30 April 2014

Danareksa IM

Eka S

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

77

30 April 2014

DIM

Rafdi

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

78

30 April 2014

Ancapital

Yap Swie Cu

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

79

30 April 2014

Citi Securities

Salman Ali

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

80

30 April 2014

MNC

Zabrina Raissa

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

81

30 April 2014

MacQ

Fransisca W

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

82

30 April 2014

BJBS

Yocie Gusman

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

83

30 April 2014

Binaasha

Revita

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

84

30 April 2014

Kim Eng

Rahmi Marina

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

85

30 April 2014

DBS Vickers

Chirstoper Wijaya

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

86

30 April 2014

Bahana TCW

Faradilla Meyriska

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

87

30 April 2014

Deutche Bank

Arinta

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

88

30 April 2014

1FmOEP

Dyah P

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

89

30 April 2014

1FmOEP

Hendro Utomo

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

90

30 April 2014

Ciptadana Securities

Syaiful Adrian

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

91

30 April 2014

Trimegah Securities

3PCCZ)BmM

Research Analyst

1Q2014 Analyst Meeting, Four Season Hotel

92

7 Mei 2014

RHB - OSK Conference

Rocky Indrawan

Research Analyst

Intercontinental Hotel Jakarta

93

8 Mei 2014

UNEP-FI

Rocky Indrawan

Research Analyst

Menara Thamrin

94

12 Mei 2014

BPD Sumsel Babel

Elly

Research Analyst

Kantor Pusat Lantai 7

95

13 Mei 2014

Polar Capital

John Yakas

Research Analyst

Arthaloka Jakarta

96

13 Mei 2014

97

21 Mei 2014

98

21 Mei 2014

99

21 Mei 2014

Trimegah Sekuritas

3PCCZ)BmM

Research Analyst

Arthaloka Jakarta

100

22 Mei 2014

PT KSEI

PT KSEI

Research Analyst

Ballroom II Hotel Mulia Jakarta

101

3 Juni 2014

AEI

Research Analyst

Ballroom Hotel Hyatt

102

13 Juni 2014

UBS Securities

Research Analyst

Wisma GKBI Jakarta

103

20 Juni 2014

104

23 Juni 2014

105

23 Juni 2014

106

25 Juni 2014

107

30 Juni 2014

Kasikorn AM (DBS Vickers) Bahana Securities dan BNP AM CIMB Securities - Templeton AM Gladi Kotor RUPS/Rapat Dekom Gladi Bersih RUPS

Ashmore Hanel Topada Research Analyst Maybank Kim Eng - Victoria Rahmi Marina - Ms Research Analyst Capital Mgt US Fumiko Hagiwara Bank DKI Imelda Research Analyst

Joshua Tanja

Satoo Shangrila Hotel Jakarta Arthaloka Jakarta Sudirman

Research Analyst Teguh Hartanto

Research Analyst

1BDJmD1MBDF

Mervyn Koh

Research Analyst

1BDJmD1MBDF

Research Analyst Research Analyst

Hotel Hyatt Bandung

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

574

AKSES INFORMASI DATA PERUSAHAAN

No

Tanggal Date

Nama Investor Investor Name

108

2 Juli 2014

Conference Call

109

10 Juli 2014

CLSA

110

23 Juli 2014

Analyst Meeting 2Q 2014

111

23 Juli 2014

BCA Sekuritas

112

23 Juli 2014

113

23 Juli 2014

115

23 Juli 2014

116

23 Juli 2014

117

23 Juli 2014

118

23 Juli 2014

Kontak Personal Contact Person Credit Suisse Sanjay Jain Hendy Soegiarto

Jabatan Position

Lokasi Locations

Research Analyst Research Analyst

1BDJmD1MBDF+BLBSUB

Research Analyst

Four Seasons Hotel

Alex

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

Mandiri Securities

Vanessa

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

CLSA

Hendy Soegiarto

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

Ashmore

Hanel

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

AAA Securities

A Indahjani

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

Citi

Gisela

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

Credit Suisse

Aldo Benas

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

119

23 Juli 2014

1FmOEP

Dyah P

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

120

23 Juli 2014

1FmOEP

Hendro Utomo

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

121

23 Juli 2014

Bahana

Andie

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

122

23 Juli 2014

Mega Investama

"SJmO

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

123

23 Juli 2014

Mega Investama

Thombos

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

124

23 Juli 2014

MacQ

Oentuni

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

125

23 Juli 2014

Maybank Kim Eng

Emanvella

Research Analyst

2Q2014 Analyst Meeting, Four Season Hotel

126

6 Agustus 2014

Andrew Seargant

Research Analyst

Conference Call

127

8 Agustus 2014

Oliver Koh

Research Analyst

Palma One Jakarta

Teguh Hartanto

Research Analyst

1BDJmD1MBDF

Christopher Daniel

Research Analyst

KCP Benhil-Jakarta

128

8 Agustus 2014

Fidelity Bahana Securities - City Of London AM Bahana Securities TCW

129

13 Agustus 2014

DBS Vickers Visit

130

13 Agustus 2014

1FmOEP

%JSFLTJ1FmOEP

Research Analyst

,BOUPS1FmOEP$POGFSFODF$BMM

131

14 Agustus 2014

DBS Vickers Visit

Christopher Daniel

Research Analyst

KCP Benhil-Jakarta

132

21 Agustus 2014

151FmOEP

Vonny Widjaja

Research Analyst

,BOUPS1FmOEP1BOJO5PXFS-U

133

26 Agustus 2014

UBS Securities

Arthaloka Jakarta

28 Agustus 2014

City National Rochdale

Charles Maynard Arun & Anindya Chatterjee

Research Analyst

134

Research Analyst

Conference Call

135 1 September4 2014

UBS Securities

Research Analyst

GKBI

136

2 September 2014

Bahana IB

Research Analyst

Bandung

137

3 September 2014

Citi

Research Analyst

KCK Jakarta

138

5 September 2014

Research Analyst

Kanpus

BPD Kalsel Public Expose Bursa Efek 139 18 September 2014 Indonesia Macquarie - Franklin 140 23 September 2014 Templeton 141 24 September 2014 Mandiri Sekuritas 142

15 Oktober 2014

143

15 Oktober 2014

144

15 Oktober 2014

Citi Investor Conference 2014 - Kasikorn Asset Management Citi Investor Conference 2014 - BNP Paribas France Citi Investor Conference 2014 - BNP Paribas France

bank bjb Laporan Tahunan 2014

Salman Ali

BEI

Research Analyst

Ritz Carlton PP

Paul de Josselin

Research Analyst

Arthaloka Jakarta

Vanessa T

Research Analyst

Arthaloka Jakarta

Supree Suvaphan

Research Analyst

Mandarin Oriental Jakarta

Samuel Kesuma

Research Analyst

Samuel Kesuma

Research Analyst

Mandarin Oriental Jakarta

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

575 ACCESS TO COMPANY INFORMATION

No

Tanggal Date

Nama Investor Investor Name

Kontak Personal Contact Person

Jabatan Position

Lokasi Locations

145

15 Oktober 2014

Citi Investor Conference 2014 - E.l Strudza Investment

Tyran Kam

Research Analyst

Mandarin Oriental Jakarta

146

15 Oktober 2014

Citi Investor Conference 2014 - Ashmore Investment

Hanel Topada

Research Analyst

Mandarin Oriental Jakarta

147

15 Oktober 2014

Citi Investor Conference 2014 - Invesco Capital Management

Inggrid Baker

Research Analyst

Mandarin Oriental Jakarta

148

15 Oktober 2014

Macquarie - Wasatch Advisors

Scott Hodgson

Research Analyst

Arthaloka Jakarta

149

16 Oktober 2014

Dunross Asia Pte

Peter Bernholz

Research Analyst

Artaloka Jakarta

150

28 Oktober 2014

AM 3Q 2014

Research Analyst

Four Seasons Hotel

151

30 Oktober 2014

Management Meeting 1FmOEP

Research Analyst

Senayan City Panin Tower

152

28 Oktober 2014

Bahana Securities

Andre

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

153

28 Oktober 2014

PT Onix Securities

Rahmat S Halim

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

154

28 Oktober 2014

Maybank Kim Eng

Rahmi Marina

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

155

28 Oktober 2014

Citi Securities

Salman Ali

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

156

28 Oktober 2014

Ciptadana Securities

Syaiful Adrian

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

157

28 Oktober 2014

UOB

Sony John

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

158

28 Oktober 2014

Trimegah Securities

Angga AA

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

159

28 Oktober 2014

BCA Sekuritas

Alex Margarouis

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

160

28 Oktober 2014

DBS Vickers

Chris Wijaya

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

161

28 Oktober 2014

MNC Securities

Zabrina Raissa

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

162

28 Oktober 2014

Deutche Bank

Arinta

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

163

28 Oktober 2014

Global

"MmBO

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

164

28 Oktober 2014

Mandiri Securities

Vanesa Tanuwijaya Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

165

28 Oktober 2014

Sinarmas Securities

Ajiar

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

166

28 Oktober 2014

CIMB

Hadi sugiarto

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

167

28 Oktober 2014

Credit Suisse

Laurensius

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

168

28 Oktober 2014

Binaasha

Vita

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

169

28 Oktober 2014

Binaasha

Eka Rahma

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

170

28 Oktober 2014

UOBI

Johanus Tanji

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

171

28 Oktober 2014

Valbury

Winny

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

172

28 Oktober 2014

Valbury

Adde

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

173

28 Oktober 2014

AAA Securities

Nico Laurens

Research Analyst

3Q2014 Analyst Metting, Four Season Hotel

174

11 November 2014

Maybank Kim Eng

Research Analyst

Artaloka Jakarta

175

13 November 2014

Macquarie Securities

Ismael Pili

Research Analyst

Social House, Grand Indonesia

176

21 November 2014

UBS Securities - Caravele Management

Hiep Nguyen

Research Analyst

Arthaloka Jakarta

177

8 Desember 2014

Dunross Asia Pte

Peter Bernholz

Research Analyst

Conference Call

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

576

AKSES INFORMASI DATA PERUSAHAAN

No

Tanggal Date

Nama Investor Investor Name

178

10 Desember 2014

Ward Ferry ManagementCLSA

179

11 Desember 2014

Credit Suisse

180

23 Desember 2014

Nomura

Kontak Personal Contact Person

Jabatan Position

Lokasi Locations

Research Analyst Laurensius Teiseran Research Analyst Jij Singh

Research Analyst

Conference Call Artaloka Jakarta

Informasi bank bjb di Media Massa Tahun 2014

bank bjb Information on the Mass Media in 2014

-

-

Selama tahun 2014 bank bjb telah mengeluarkan press release untuk kegiatan perusahaan diantaranya: 1. Kerja sama Penyaluran Kredit 2. Kerja sama Pengelolaan Layanan Jasa Perbankan 3. Kerja sama dengan Lembaga Negara 4. Penyaluran Dana CSR 5. Penerimaan Penghargaan 6. Analyst Meeting 7. Kegiatan Perusahaan lainnya. - Wawancara khusus dilaksanakan dalam beberapa kegiatan perusahaan seperti analyst meeting, RUPS, public expose, dan lainnya. - Media gathering dilakukan setiap triwulannya untuk tetap menjaga hubungan baik dengan media.

During the year 2013 bank bjb has issued press releases for the company’s activities including: 1. Cooperation of Credit Lending 2. Cooperation of Banking Services Management 3. Cooperation with Governmental Institutions 4. CSR Fund Distribution 5. Award 6. Analyst Meeting 7. bank bjb0GmDF0QFOJOH - Exclusive interview conducted in some corporate activities such as analyst meetings, GMS, Bond VII public expose and other. - Media gathering is done every quarterly to maintain good relations with the media.

Publikasi di Media Massa Selama Tahun 2014 Publication on Mass Media in 2014 Keterangan Description

Nama Media Media Name Kompas

Pemberitaan bank bjb di Media Cetak Coverage bank bjb in Print Media

Pemberitaan bank bjb di Media Online Coverage bank bjb in Online Media

bank bjb Laporan Tahunan 2014

73

Tempo

46

Republika

119

Bisnis Indonesia

566

Media Indonesia

54

Seputar Indonesia

96

Investor Daily

94

Pikiran Rakyat

242

Tribun Jabar

87

Galamedia

180

Kompas

11

Tempo Interaktif

8

Republika Online

14

bisnis.com

37

sindonews.com

14

metrotvnews.com

6

pikiran-rakyat.com

22

tribunnews.com

55

detik.com

15

antaranews Jumlah/Total

Total Pemberitaan Total Coverage

17 1.756

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

577 ACCESS TO COMPANY INFORMATION

Press Release Selama Tahun 2014 Press Release in 2014 No

Tanggal Date

Perihal

Subject

1

23 Februari 2014

Launching Layanan bank bjb “PBB Online Mobile” bank bjb Menuju Bandung Juara

Launching Services bjb bank “PBB Online Mobile” Towards bank bjb Bandung Champion

2

5 Maret 2014

bank bjb Gandeng BNI Terbitkan Kartu Kredit Bersama

Hold bjb bank BNI Credit Card Issuing Together

3

11 Maret 2014

bank bjb menyelenggarakan Analyst Meeting FY-2013

bjb banks Analyst Meeting held FY-2013

4

26 Maret 2014

Rapat Umum Pemegang Saham (RUPS) bank bjb Tahun 2014

General Meeting of Shareholders (AGM) bank bjb 2014

5

11 April 2014

Gathering bank bjb dengan Rekanan Bank Perkreditan Rakyat (BPR)

Gathering bank bjb with Bank Perkreditan Rakya (BPR)

6

30 April 2014

bank bjb menyelenggarakan Analyst Meeting 1Q-2014

bjb bank held Analyst Meeting 1Q 2014

7

8 Mei 2014

bjb Futsal Championship 2014

2014 bjb Futsal Championship

8

24 Mei 2014

Acara Puncak HUT bank bjb ke-53 Tahun 2014

Top events Anniversary bank bjb 53rd 2014

9

13 Juni 2014

Banking Service Excellence Award (BSEA) 2014

Banking Service Excellence Award (BSEA) 2014

10

27 Juni 2014

Penandatanganan MoU antara bank bjb dengan BPKP Provinsi Jawa Barat

Signing of MoU between bank bjb with BPKP West Java Province

11

1 Juli 2014

Rapat Umum Pemegang Saham Luar Biasa (RUPS LB) bank bjb Tahun 2014

General Meeting Extraordinary Shareholders (GMS LB) banks bjb 2014

12

14 Juli 2014

Penandatanganan MoU antara bank bjb dengan Kejaksaan Tinggi Jawa Barat

Signing of MoU between banks bjb the High Court of West Java

13

18 – 20 Juli 2014

Bazar Ramadhan UMKM bersama bank bjb

Ramadan Bazaar SMEs along the banks bjb

14

23 Juli 2014

bank bjb menyelenggarakan Analyst Meeting 2Q-2014

banks bjb held 2Q-2014 Analyst Meeting

15

26 Juli 2014

Menjelang Libur Hari Raya Idul Fitri 1434 H, bank bjb Maksimalkan Layanan

Ahead of Eid al-Fitr holiday in 1434 H, the bank bjb Maximize Service

15

4 September 2014

bank bjb Memperingati Hari Pelanggan Nasional 2014

bjb bank Commemorating National Customer Day 2014

16

4 September 2014

Penandatanganan Perjanjian Kerja sama antara bank bjb dengan PT. Jamkrida Jabar

The signing of the Cooperation Agreement between the bank bjb with PT. Jamkrida Jabar

17

9 September 2014

Customer Gathering : bank bjb dengan Mitra Bank Perkreditan Rakyat

Customer Gathering : bank bjb with Mitra Bank Perkreditan Rakyat

18

15 September 2014

bjb Photo Contest 2014

bjb Photo Contest 2014

19

24 September 2014

Penandatanganan Perjanjian Kerja sama (PKS) Kredit Cinta Rakyat (KCR) antara Pemerintah Provinsi Jawa Barat dengan bank bjb

The signing of the Cooperation Agreement (MCC) of Credit Love People (KCR) between the Government of West Java Province with banks bjb

20

18 Oktober 2014

Launching Kartu Persib

Launching Arsenal Card

21

28 Oktober 2014

Analyst Meeting 3Q-2014

Analyst Meeting 3Q-2014

22

22 November 2014

Launching Layanan “E-Samsat Jabar”

Launching Services “E-SAMSAT Jabar”

23

5 Desember 2014

Media Gathering bank bjb 2014 “Pemaparan Outlook Ekonomi dan Perbankan Tahun 2015”

Media Gathering 2014 bjb banks’ exposure Economics and Banking Outlook 2015 “

24

19 Desember 2014

Rapat Umum Pemegang Saham Luar Biasa (RUPS LB) bank bjb Tahun 2014

General Meeting Extraordinary Shareholders (GMS LB) banks bjb 2014

25

23 Desember 2014

Pemberian Bantuan 10 Perahu Karet dari CSR bank bjb untuk banjir di Kabupaten Bandung

3FMJFG3BGUTPG$43CKCCBOLTUPnPPEJO#BOEVOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

578

KODE ETIK CODE OF CONDUCT

Kode Etik

Code of Conduct

1. Standar tata perilaku yang menjadi acuan setiap insan bank bjb (Dewan Komisaris, Direksi, dan Pegawai) dalam mengelola Perusahaan adalah: a. Etika kerja sesama insan yang dilandasi dengan: • Berkerja profesional sadar biaya untuk menghasilkan kinerja yang optimal, jujur, sopan dan tertib • Saling menghargai, terbuka menerima kritik dan saran serta menyelesaikan masalah dengan musyawarah mufakat • Saling membantu, memotivasi dan bekerja sama dalam melaksanakan tugas • Mengkomunikasikan setiap ide baru dan saling mentransfer pengetahuan dan kemampuan • Mengambil inisiatif dan mengembangkan kompetensi dalam melaksanakan tugas • Berani mendiskusikan kebijakan yang kurang tepat untuk melakukan koreksi yang konstruktif secara santun • Menghargai perbedaan gender, suku, agama, ras dan antar golongan.

1. Code of conduct used as reference by every person of bank bjb (Commissioner, Director, and Employee) in managing the company are: a. Work ethics for fellow being which is based on: • Work professionally with cost consideration to generate optimal, honest, courteous, and orderly performance • Mutual respect, open to criticism and advice and resolve problems with the consensus agreement • Help and motivate each other, and cooperate in performing the duties. • Communicate any new ideas and mutual transfer of knowledge and skills • Take the initiative and develop competence in performing the duties • Have the initiative to discuss the lack of proper policy to conduct constructive correction properly • Respecting the differences of gender, ethnicity, religion, race and among groups.

b. Insan bank bjb memanfaatkan data dan informasi perusahaan untuk meningkatkan nilai tambah perusahaan dan pengambilan keputusan dengan cara: • Menggunakan sistem keamanan data yang memadai. • Memberikan informasi yang relevan dan proporsional kepada stakeholders dengan tetap mempertimbangkan kepentingan perusahaan. • Menghindari penyebarluasan data dan informasi kepada pihak lain yang tidak berkepentingan baik selama bekerja maupun setelah berhenti bekerja. • Menyerahkan semua data yang berhubungan dengan perusahaan pada saat berhenti bekerja. • Menjaga kerahasiaan informasi nasabah sesuai dengan ketentuan perundang-undangan yang berlaku.

b. Person of bank bjb utilizes company data and information to enhance corporate value and decision-making by:

c. Insan bank bjb mengoptimalkan penggunaan harta perusahaan dengan cara: • Bertanggung jawab atas pengelolaan harta perusahaan dan menghindarkan penggunaannya di luar kepentingan perusahaan.

c. Person of bank bjb optimizes the use of company property by way of: • Responsible for the management of a company property and avoid its use outside the company’s interests.

bank bjb Laporan Tahunan 2014

• •

Use an adequate system of data security Provide relevant and proportional information to the stakeholders while continuing to consider the interests of the company • Avoid the dissemination of data and information to other parties who are not of interest either during or after employment. • Submit all data related to the company at the end of tenure t .BJOUBJO DPOmEFOUJBMJUZ PG DMJFOU JOGPSNBUJPO JO accordance with the applicable regulations

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

• •

579

Mengamankan harta perusahaan dari kerusakan dan kehilangan Melakukan penghematan pemakaian energi

• •

Securing corporate assets from damage and loss Save energy consumption

d. Insan bank bjb mengelola data secara rapi, tertib, teliti, akurat dan tepat waktu dengan cara: • Mencatat data dan menyusun laporan berdasarkan sumber yang benar dan dapat dipertanggung jawabkan. • Menyajikan laporan secara singkat, jelas, tepat, komunikatif untuk dipergunakan dalam pengambilan keputusan dan umpan balik guna perbaikan kinerja. • Tidak menyembunyikan data dan laporan yang seharusnya disampaikan.

d. Person of bank bjb manage data in a neat, orderly, thorough, accurate and timely manner: • Record the data and prepare reports based on the true and reliable sources. • Presenting report in a brief, clear, precise, and in communicative manner to be used in decision-making and feedback for performance improvement • Do not hide any data and reports that should be submitted.

e. Insan bank bjb menghindari kondisi, situasi ataupun kesan adanya benturan kepentingan dan penyalahgunaan jabatan dengan cara: • Menghindari pemberian perlakukan istimewa terhadap pihak-pihak tertentu diluar prosedur dan ketentuan yang berlaku yang menimbulkan kerugian bank atau mengurangi keuntungan bank. • Tidak memperkenankan terjadinya pembuatan keputusan apapun, terutama keputusankeputusan yang dapat mempengaruhi pencapaian KPI (Key Performance Indicators) bank bjb secara langsung, yang dipengaruhi kepentingan pribadi Komisaris, Direksi, Pejabat dan Pegawai, baik dalam hubungan kerja antar pegawai maupun dalam kaitan dengan pihak diluar bank bjb. • Namun demikian apabila keputusan tetap harus diambil maka pihak-pihak dimaksud harus mengutamakan kepentingan bank dan menghindarkan Bank dari kerugian yang mungkin timbul atau kemungkinan berkurangnya keuntungan bank serta wajib mengungkapkan kondisi benturan kepentingan tersebut dalam setiap keputusan.

e. Person of bank bjb avoid the condition, situation or BQQFBSBODFPGDPOnJDUPGJOUFSFTUBOEBCVTFPGPGmDF by: • Avoid giving preferential treatment to certain parties outside of the procedures and regulations UIBUMFBEUPCBOLMPTTFTPSSFEVDFCBOLQSPmUT • Not allow the occurrence of any decisionmaking, especially decisions that may affect the achievement of KPI (Key Performance Indicators) of bank bjb directly, which is affected by the personal interests of Commissioners, Directors, 0GmDFST BOE &NQMPZFFT  CPUI JO UIF XPSLJOH relationship between employees and parties in connection outside bank bjb. • However if the decision remains to be taken, the related parties must put the interests of banks as priority and prevent the Bank from losses that may BSJTFPSUIFQPTTJCJMJUZPGSFEVDJOHCBOLQSPmUTBOE UIFDPOnJDUTPGJOUFSFTUDPOEJUJPONVTUCFEJTDMPTFE in every decision.

f.

f.

Insan bank bjb tidak menerima hadiah/fasilitas dalam bentuk apapun yang berhubungan dengan jabatan dan pekerjaannya kecuali dalam batas kewajaran dan kepatutan sebagaimana diatur dalam Pedoman 1FOHFOEBMJBO(SBUJmLBTJ

g. Insan bank bjb dapat memberikan hadiah/fasilitas kepada pihak lain dengan syarat untuk menunjang

Person of bank bjb does not accept gifts/facilities of BOZLJOESFMBUJOHUPUIFPGmDFBOEXPSLFYDFQUXJUIJO the limits of reasonableness and propriety as set forth JOUIF(VJEFMJOFTGPS$POUSPMPG(SBUJmDBUJPO

g. Person of bank bjb may give a gift/facilities to other parties to support the interests of the company, not

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

580

KODE ETIK

kepentingan perusahaan, tidak dimaksudkan untuk menyuap, telah dianggarkan oleh perusahaan dan apabila hadiah/fasilitas berupa benda cinderamata maka harus mencantumkan logo/nama PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

intended as bribe, has been budgeted by the company, and if the gift/facilities is in the form of souvenir then it must contain the logo/name PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

h. bank bjb memberikan biaya penagihan kredit sesuai ketentuan internal yang berlaku dan hal tersbut diatur EBMBN1FEPNBO1FOHFOEBMJBO(SBUJmLBTJ

h. bank bjb provides credit collection fee in accordance with internal policies and terms and are regulated in UIF(VJEBODF$POUSPMPG(SBUJmDBUJPO

i.

Insan bank bjb bebas dari penyalahgunaan narkoba dan miras.

i.

Person of bank bjb is free from drugs and alcohol abuse.

j.

Insan bank bjb bersikap netral terhadap semua partai politik dengan cara: • Tidak menggunakan fasilitas perusahaan untuk kepentingan golongan/partai politik tertentu • Tidak merangkap jabatan sebagai pengurus partai politik dan atau anggota legislatif • Tidak membawa, memperlihatkan, memasang serta mengedarkan simbol, gambar dan ornamen partai politik di lingkungan perusahaaan

j.

Person of bank bjb is neutral to all political parties in a way: t %PFTOPUVTFDPNQBOZGBDJMJUJFTGPSUIFCFOFmUPG any certain group/political party • Not holding a concurrent position as a political QBSUZPGmDJBMTPSNFNCFSTPGUIFMFHJTMBUJWF • Does not carry, display, install and distribute symbol, pictures and ornaments of political parties in the company.

2. Komisaris dan atau Direksi dapat memutuskan pemberian tindakan pembinaan, sanksi disiplin dan atau tindakan perbaikan serta pencegahan yang harus dilaksanakan oleh atasan langsung di lingkungan masing-masing terhadap insan bank bjb yang melakukan pelanggaran Code of Conduct.

2. Commissioners and or Board of Directors may decide the act of giving guidance, discipline and sanctions as well as preventive or corrective actions to be implemented by the immediate supervisor in each environment to person of bank bjb who violates the Code of Conduct.

3. Tindakan pelanggaran Code of Conduct termasuk jenis perbuatan pegawai yang dapat terkena sanksi dalam hal jenis perbuatan: a. Melanggar Budaya Kerja, Perilaku Pimpinan dan Pegawai bank bjb b. Melanggar Kode Etik Bankir Indonesia

3. Act violating the Code of Conduct including the types of employee actions that may be subject to sanctions in terms of types of actions: a. Violation of Work Culture, Leadership and Employee Behaviour standard of bank bjb b. Violate the Indonesian Bankers Code of Ethics

4. Jenis sanksi atas pelanggaran antara lain: a. Sanksi administratif ringan berupa: • Teguran lisan • Teguran tertulis • Pernyataan tidak puas

4. Types of sanctions for violations include: a. Light administrative sanctions in the form of: • Verbal reprimand • Written reprimand • Statement of dissatisfaction

b. Sanksi Administratif Sedang berupa: • Penundaan kenaikan gaji berkala paling lama 1 (satu) tahun • Penurunan gaji sebesar 1 (satu) kali kenaikan gaji berkala untuk paling lama 1 (satu) tahun bank bjb Laporan Tahunan 2014

b. Moderate administrative sanctions in the form of: • Delay of periodic salary increases for the maximum of 1 (one) year • Reduction in salary of 1 (one) time the regular salary increases for no longer than 1 (one) year

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

581 CODE OF CONDUCT

•

Penundaan kenaikan pangkat untuk paling lama 1 (satu) tahun

c. Sanksi Administrasi Berat berupa: • Penurunan pangkat pada pangkat yang tingkat lebih rendah untuk paling lama 1 (satu) tahun • Penurunan jabatan • Pembebasan dari jabatan • Pemberhentian sementara • Pemberhentian dengan tidak hormat tidak atas permintaan sendiri sebagai pegawai • Pemberhentian tidak hormat sebagai pegawai.

•

Delay of promotion for a maximum of 1 (one) year

c. Severe administrative sanctions in the form of: • Demotion in rank to a lower level for the maximum of 1 (one) year • Demotion t &YFNQUJPOGSPNPGmDF • Suspension • Dishonourable discharge not at its own request as employee • Dishonourable discharge as employee

Pemberlakuan Kode Etik

Implementation of Code of Ethics

Seluruh Dewan Komisaris, Direksi, serta karyawan bank bjb wajib mentaati kode etik yang telah disusun Perusahaan. Kode Etik tersebut disusun untuk memenuhi standar perilaku karyawan perusahaan.

The entire Board of Commissioners, Board of Directors, as well as bank bjb employees shall obey the code of ethics that has been compiled by the Company. The code of ethics was formulated to meet the standards of behavior of the Company’s employees.

Sosialisasi Kode Etik

Socialization of the Code of Ethics

Sosialisasi Kode Etik Perusahaan dilakukan di seluruh tingkat manajemen bank bjb dari yang tertinggi hingga paling rendah melalui berbagai media dan forum internal: • Buku Saku • Kartu Saku • Penyampaian berkala pada setiap pagi hari, pulang kerja, dan di dalam forum pelatihan. • Poster Dinding • Jinggle Corporate

Socialization of the Code of Ethics is conducted throughout the entire level of the Bank’s management from the highest to the lowest through various media and internal forum: • Handbook • Pocket Cards • Periodic reminder performed every morning, evening, and in the training forum. • Wall Poster • Corporate Jinggle

Penegakan dan Sanksi Pelanggaran Kode Etik

Enforcement and Sanctions to the Violations of the Code of Ethics

bank bjb memastikan bahwa Kode Etik dilaksanakan secara konsisten disetiap level organisasi. Pelaksanaan Kode Etik oleh setiap individu merupakan bagian dari penilaian kinerja. bank bjb menyelenggarakan ujian Kode Etik secara rutin dalam setiap triwulan. Dalam melaksanakan upaya penegakkan Kode Etik, bank bjb juga melakukan berbagai metode yang disesuaikan dengan bidang pekerjaan masingmasing individu, misalnya dengan metode mystery shopper.

bank bjb ensures that the Code of Ethics is implemented consistently at all levels of the organization. Implementation of the Code of Ethics by each individual is a part of the performance assessment. bank bjb holds regular code of ethics assessment in each quarter. In the effort to enforce the Code of Ethics, bank bjb also performs a variety of methods UIBU BSF UBJMPSFE UP UIF mFME PG XPSL PG FBDI JOEJWJEVBM  GPS example the mystery shopper method.

Upaya penegakan pelaksanaan Kode Etik dilakukan pemberian sanksi yang terstruktur dan terintegrasi. Sanksi ini dapat berupa teguran lisan, tertulis, ataupun sampai pemutusan hubungan kerja. Upaya hukum juga dapat diterapkan jika jenis pelanggaran dianggap material seperti korupsi dan fraud.

Enforcement of the Code of Ethichs is performed with the provision of sanctions structuredly and integratedly. The sanctions may include verbal warning, written, or termination of employment. Legal efforts can also be applied if the offense is considered material such as corruption and fraud.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

582

BUDAYA PERUSAHAAN CORPORATE CULTURE

Sosialisasi, penerapan, serta penegakan Corporate Culture merupakan bagian dari proses perubahan budaya perusahaan. Sesuai dengan SK Direksi nomor 1405/SK/BODCMO/2010 proses perubahan budaya perusahaan meliputi 4 (empat) langkah dasar sebagai berikut: a. Penetapan Nilai-nilai Perusahaan dan Perilaku Utama Perumusan nilai-nilai perusahaan (corporate value) dan perilaku utama budaya Perusahaan dilakukan oleh manajemen dengan menggali nilai-nilai yang ada dalam tubuh Perusahaan. Budaya perusahaan bank bjb harus selaras dengan visi dan misi bank bjb dan adaptif terhadap perubahan dunia perbankan. Oleh karena itu apabila budaya yang telah ada sudah tidak sejalan dengan visi, misi, dan perkembangan dunia perbankan, maka perlu dilakukan perubahan budaya dengan menggali nilai-nilai baru yang muncul.

Socialization, implementation, and enforcement of the Corporate Culture is part of the change process of corporate culture. In accordance with the Decree of the Board of Directors No. 1405/SK/BOD-CMO/2010 corporate culture change process includes four (4) basic steps as follows: a. Determination of Corporate Values and Key Behaviour The formulation of the corporate value and the key behavior of the Corporate culture is performed by the management by exploring the existing values within the Company. The corporate culture of bank bjb shall be in line with its vision and mission as well as being adaptive to changes in the banking world. Therefore, if the existing culture no longer in line with the vision, mission, and development of the banking world, it is necessary to change the culture by exploring new emerging values.

b. Sosialisasi Budaya perusahaan bank bjb disosialisasikan kepada seluruh jajaran organisasi untuk membangun awareness serta pemahaman terhadap Budaya perusahaan bank bjb. Proses sosialisasi ini dilakukan melalui berbagai media seperti: buku pedoman, buku saku, sign wall, standing banner, training, pin, dan lain-lain.

b. Socialization The corporate values of bank bjb is disseminated to all levels of the organization to build awareness and understanding to the corporate culture of bank bjb. The socialization process is carried out through various media such as: manuals, booklets, sign wall, standing banner, training, pins, and others.

c. Internalisasi Merupakan tahapan dimana budaya perusahaan bank bjb diterapkan oleh seluruh jajaran organisasi perusahaan dalam setiap aktivitas sehari-hari. Budaya perusahaan tersebut diinternalisasikan melalui change agent yang telah ditunjuk dalam setiap unit kerja.

c. Internalization The stage in the corporate culture of bank bjb applied throughout the organization company in every daily activity. The corporate culture internalized through change agent who has been appointed in every unit.

Change agent yang telah terpilih akan diikutsertakan dalam training dan workshop untuk memperkuat pemahaman tentang budaya perusahaan dan cara menularkan nilai-nilai budaya perusahaan kepada orang lain. Setiap unit kerja diwajibkan memiliki program budaya masing-masing sebagai wujud implementasi budaya perusahaan dalam aktivitas sehari-hari. Untuk mengevaluasi proses implementasi perubahan budaya dalam setiap unit kerja, maka setiap change agent menyampaikan laporan implementasi budaya perusahaan LFQBEB%JWJTJ$IBOHF.BOBHFNFOU0GmDF

Appointed change agents will be included in training and workshops to strengthen the understanding of the corporate culture and how to transmit the values of the corporate culture to others. Each unit is required to have their own cultural program as a form of implementation of the corporate culture in everyday activities. To evaluate the implementation process of cultural change in every unit, every change agent submits the corporate culture JNQMFNFOUBUJPOSFQPSUUPUIF$IBOHF.BOBHFNFOU0GmDF Division.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

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d. Eksternalisasi Pada tahapan ini, dampak dari implementasi budaya perusahaan dirasakan oleh lingkungan eksternal (nasabah, masyarakat, shareholders). Seluruh jajaran organisasi telah mengimplementasikan nilai-nilai budaya perusahaan dengan baik sehingga lingkungan eksternal turut merasakan dampak yang positif dari perubahan budaya tersebut.

d. Externalization At this stage, the impact of the corporate culture implementation is perceived by the external environment (customers, community, shareholders). The whole range of the organization have implemented the corporate values well, thus the external environment also sense the positive impact of the cultural change.

e. Monitoring dan Evaluasi Monitoring implementasi perubahan budaya dilakukan PMFI %JWJTJ $IBOHF .BOBHFNFOU 0GmDF  $IBOHF -FBEFS dan Change Agent. Change Leader dan Change Agent memonitor dan mengevaluasi secara berkala penerapan budaya pada unit kerjanya masing-masing kemudian disampaikan laporannya kepada Divisi Change .BOBHFNFOU 0GmDF  #FSEBTBSLBO IBTJM QFMBQPSBO dari Change Leader dan Change Agent, Divisi Change .BOBHFNFOU 0GmDF NFMBLVLBO NPOJUPSJOH EBO FWBMVBTJ penerapan budaya perusahaan di seluruh unit kerja baik Kantor Pusat maupun Cabang.

e. Monitoring and Evaluation Monitoring the implementation of the cultural change is DPOEVDUFECZUIF%JWJTJPOPG$IBOHF.BOBHFNFOU0GmDF  Change Leader and Change Agent. Change Leader and Change Agent periodically monitor and evaluate the implementation of the culture in each work unit to be SFQPSUFE UP UIF %JWJTJPO PG $IBOHF .BOBHFNFOU 0GmDF Based on the reporting results of the Change Leader BOE $IBOHF "HFOU  UIF $IBOHF .BOBHFNFOU 0GmDF Division monitors and evaluates the implementation of the DPSQPSBUFDVMUVSFJOBMMXPSLVOJUTCPUIBU)FBE0GmDFBOE #SBODI0GmDFT

Dalam rangka mendukung pencapaian visi dan misi bank bjb menjadi 10 bank terbesar dan berkinerja baik di Indonesia, Perseroan telah melakukan beberapa perubahan, salah satunya perubahan budaya perusahaan. Budaya perusahaan tersebut mencerminkan semangat bank bjb dalam menghadapi persaingan perbankan yang semakin ketat dan dinamis. Nilai-nilai budaya perusahaan yang telah dirumuskan yaitu GO SPIRIT merupakan perwujudan dari Service Excellence, Profesionalism, Integrity, Respect, Intelligence, Trust yang dijabarkan dalam 14 perilaku utama.

In order to support the achievement of the vision and mission of bank bjb to become the 10 largest banks with good performance in Indonesia, the Company has conducted several changes, one of which is the change JO DPSQPSBUF DVMUVSF 5IF DPSQPSBUF DVMUVSF SFnFDUT UIF TQJSJU PG CKC CBOL JO UIF GBDF PG JODSFBTJOHMZ mFSDF BOE dynamic banking competition. The values of the corporate culture that has been formulated, namely the GO SPIRIT is the embodiment of Service Excellence, Professionalism, Integrity, Respect, Intelligence, Trust that are outlined in 14 key behaviors.

Go Spirit

Go Spirit

Panduan untuk pelaksanaan budaya perusahaan ini telah tersusun dalam pedoman budaya perusahaan bank bjb.

Guidelines for the implementation of this corporate culture has been arranged in the guidelines of bank bjb.

1. Implementasi Go Spirit dalam bentuk tanggung jawab sosial perseroan

1. Implementation Go Spirit in the form of socially responsible company

a. Latar Belakang Hari Lingkungan Program Hari Lingkungan merupakan usulan program yang sesuai dengan Perilaku Utama Budaya Perusahaan bank bjb yaitu “Peduli Pada Lingkungan”, salah satu perwujudannya adalah dengan memberikan

a. Background Environment Day The Environment Day Program is a program proposal that is in accordance with the Key Behavior of bank bjb Corporate Culture, namely “Care for the Environment”, one of the embodiment is to provide a positive

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

584

BUDAYA PERUSAHAAN

kontribusi positif kepada lingkungan masyarakat sekitar sehingga dapat meningkatkan image bank bjb. Program hari lingkungan ini merupakan gerakan pengumpulan barang yang sudah tidak terpakai namun masih layak oleh setiap karyawan yang dilakukan secara kontinu setiap bulan pada tanggal 20 (sesuai dengan hari ulang tahun bank bjb). Barang yang terkumpul akan dipilah dan disumbangkan kepada masyarakat sekitar yang membutuhkan.

contribution to the environment of the surrounding communities, improving the image of bank bjb. The environment day program is the movement of collecting decent but not used goods by all employees which is carried out continuously every month on the 20th (in accordance with the anniversary of bank bjb). Goods collected will be sorted and donated to the local community in need.

b. Program Ide Kreatif untuk bank bjb Program Ide Kreatif untuk bank bjb merupakan usulan program yang mencerminkan Perilaku Utama Budaya Perusahaan bank bjb yaitu “Berkeinginan Kuat untuk Mengembangkan Diri”, dalam hal ini dengan memberikan kontribusi terbaik demi kemajuan bank bjb. Program ini diperuntukan bagi setiap pegawai bank bjb yang memiliki ide kreatif yang dapat diimplementasikan baik itu merupakan suatu IBMZBOHCBSVBUBVQVONPEJmLBTJEBSJZBOHUFMBIBEB dan bermanfaat bagi bank bjb secara keseluruhan. Pemilihan ide kreatif yang dapat diimplementasikan oleh bank bjb dilakukan oleh Tim Penilai yang terdiri dari perwakilan divisi dengan Divisi CMO sebagai koordinator. Sebagai reward bank bjb kepada pegawai yang terpilih ide kreatifnya kiranya data diberikan penghargaan dalam bentuk barang sebagai bentuk apresiasi bank bjb yang dapat menunjang kinerja seperti pemberian laptop atau i-pad.

b. Creative Idea Program for bank bjb The Creative Idea for bank bjb program is a program QSPQPTBM UIBU SFnFDUT UIF ,FZ #FIBWJPS PG CBOL bjb Corporate Culture, namely “Strong Desire to Develop”, in this case by providing the best contribution to the progress of bank bjb. The program is intended for any bank employee bjb who has creative ideas that can be implemented, either it is a new thing or B NPEJmDBUJPO PG UIF FYJTUJOH UIJOH BOE CFOFmDJBM UP bank bjb in general. The selection of the creative idea that can be implemented by bank bjb is conducted by the Assessment Team consisting of division representatives with the CMO division as coordinator. As bank bjb’s reward to the employee who is selected for his/her creative ideas will be rewarded in the form of goods as a token of appreciation of bank bjb, which can support performance, such as the provision of a laptop or i-pad.

c. Program Morning Spirit Dalam program ini disosialisasikan semangat GO SPIRIT dengan berbagai tema yang berbeda setiap harinya melalui media pengeras suara agar dapat diterima oleh seluruh pegawai bank bjb dengan jingle bank bjb sebagai theme song-nya.

c. Morning Spirit Program The GO SPIRIT is socialized in this program with a variety of different theme each day via the loudspeakers to be accepted by all bank bjb employees with the bank bjb jingle as its theme song.

d. Program Berbagi Buku Program ini mengajak para pegawai untuk dapat membawa buku-buku yang telah terbaca dan dapat bermanfaat bagi masyarakat untuk disumbangkan kepada lingkungan baik kepada sekolah maupun panti yang memerlukan.

d. Book Sharing Program This program invites the employees to bring the CPPLT UIBU IBWF CFFO SFBE BOE DBO CF CFOFmDJBM for the community to be donated both to schools or institutions that need them.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

585 CORPORATE CULTURE

Agar nilai-nilai perusahaan tersebut dapat di implementasikan oleh seluruh jajaran organisasi bank bjb dalam setiap aktivitas sehari-hari, maka dilakukan upaya internalisasi nilai-nilai melalui program-program antara lain: • Training lanjutan bagi change agents dan change leaders. • Workshop Cristalizing Concept reformulasi strategi transformasi bank bjb. • Mendorong setiap unit kerja untuk memiliki program budaya. • Mengintegrasikan nilai-nilai budaya dalam HR system.

In order to enable the values of the company can be implemented throughout the bank bjb organization in every daily activity, internalization efforts are conducted through a number of programs, among others: • Advanced training for change agents and change leaders. • Workshop Cristalizing Concept reformulation of bank bjb’s tranformation strategy. • Encourage each work unit to have a cultural program. • Integrating the cultural values in the HR system.

Proses perubahan budaya bukanlah suatu hal yang mudah, namun dengan adanya komitmen yang kuat dari seluruh jajaran organisasi bank bjb terutama top management, maka bank bjb optimis dapat melakukan transformasi dan mencapai visi dan misinya.

The process of cultural change is not an easy thing, but with a strong commitment from all levels of the organization of bank bjb, especially top management, bank bjb is optimistic that it will be able to perform the transformation and achieve its vision and mission.

Change Agent

Change Agent

Perusahaan membentuk Change Agent sebagai salah satu upaya menyelaraskan pertumbuhan bisnis yang dinamis yang didukung dengan penerapan budaya perusahaan yang terbaik.

The company established a Change Agent as part of efforts to align the dynamic business growth that is supported by the implementation of the best corporate culture.

Fungsi dan Tugas

Function and Duty

Berdasarkan Pedoman Budaya Perusahaan yang telah disahkan melalui Surat Keputusan Direksi nomor: 1405/SK/ BOD-CMO/2010, pada Bab VI mengenai Tim Internalisasai Budaya Perusahaan bank bjb, tugas dan tanggung jawab Change Agent adalah sebagaimana dipaparkan di bawah ini.

Based on the Corporate Culture Guideline which have been stipulated through the Decree of the Board of Directors No. 1405/SK/BOD-CMO/2010, at chapter VI on Corporate Culture Internalization Team of bank bjb, the duties and responsibilities of the Change Agent is as described below.

Change Agent bertanggung jawab dalam proses implementasi, monitoring, dan evaluasi perubahan budaya pada unit kerjanya masing-masing.

Change Agent takes the responsibility in the process of implementation, monitoring, and evaluation of cultural change at its work unit.

Tugas Change Agent bank bjb adalah: 1. Mensosialisasikan, menularkan, dan mendorong implementasi perubahan budaya di masing-masing unit kerja. 2. Menegur pegawai yang tidak menerapkan budaya perusahaan bank bjb (berperilaku negatif). 3. Memonitor implementasi perubahan budaya di unit kerja masing-masing dengan mengisi form monitoring implementasi budaya perusahaan. 4. Mengevaluasi implementasi perubahan budaya dalam masing-masing unit kerja secara berkala dan kontinu (3 bulan sekali).

Duty of bank bjb Change Agent are: 1. To socialize, spread, and encourage implementation of culture change at every work unit. 2. To give warning to employees who do not implement the corporate culture of bank bjb (negative behaviour). 3. To monitor the implementation of change in its work unit CZmMMJOHUIFDPSQPSBUFDVMUVSFJNQMFNFOUBUJPONPOJUPSJOH form. 4. To evaluate the implementation of change of culture in each work unit periodically and continuously (once every 3 months).

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

BUDAYA PERUSAHAAN

5. Menyampaikan laporan implementasi perubahan budaya (hasil isian form monitoring) kepada change leader untuk kemudian diteruskan kepada Divisi Change .BOBHFNFOU0GmDF

5. To deliver the report of the implementation of cultural change (the result of monitoring form) to change leader and then it is passed to Division of Change .BOBHFNFOU0GmDF

Mengingat tugas-tugas Change Agent tersebut, maka telah ditetapkan pula karakteristik dasar yang harus dimiliki oleh Change Agent, yaitu: 1. Dapat menjadi role model dan motivator untuk meningkatkan kinerja. 2. Culturally adapative, bisa beradaptasi dengan berbagai ragam budaya dalam bekerja. 3. Socially responsible, bersikap tanggung jawab sosial (tidak individual). 4. Active learner, mau mengembangkan dirinya dengan belajar hal-hal baru. 5. Memiliki kreativitas yang tinggi dan sanggup berinovasi dengan menghasilkan berbagai hal-hal baru. 6. Bersikap tegas.

Noting the tasks of the Change Agent, so it has also been determined the main characteristic which must be had by Change Agent, they are: 1. They can be a role model and motivator to step up work performance. 2. Culturally adaptive, they can adapt with various cultures during work. 3. Socially responsible, They have social responsibility (not being individual). 4. Active learner, they want to develop themselves by learning new things. 5. They have high creativity and can have innovation by producing new things.  #FmSN

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

587

WHISTLEBLOWING SYSTEM WHISTLEBLOWING SYSTEM

Dalam rangka menjalankan kegiatan usaha perseroan yang sesuai dengan prinsip-prinsip good corporate governance, perseroan telah menyusun Tata Kelola Pelanggaran (Whistleblowing System) di Lingkungan PT Bank Pembangnan Jawa Barat dan Banten, Tbk sesuai dengan SK Direksi nomor 708/SK/DIR-KP/2014 tanggal 7 Oktober 2014.

In order to perform the Company’s business activities in accordance with the principles of good corporate governance, the Company has developed the Whistleblowing System PT Bank Pembangunan Jawa Barat dan Banten, Tbk in accordance with the Decree of the Board of Directors No 708/SK/DIR-KP/2014 dated October 7, 2014.

Sejalah dengan hal tersebut, untuk meningkatkan peran aktif para pelapor (whistleblower) mengungkapkan/mengadukan tindakan pelanggaran yang dilakukan para Direksi, Dewan Komisaris, dan pegawai, maka Perseroan telah membentuk Sistem Pengaduan Pelanggaran (whistleblowing system/ WBS) Perseroan.

In addition, to increase active participation of the whistleblower revealing/denouncing violations committed by the Board of Directors, Board of Commissioners, and employees, the Company has established Whistleblowing System/WBS of the Company.

1. Penyampaian Laporan Pelanggaran Divisi Audit Internal memiliki Standar Operasional Prosedur Strategi Anti Fraud, dimana dalam SOP tersebut tercantum mekanisme pengaduan/pengungkapan/ penyingkapan tindakan fraud dan/atau tindak pidana di bidang perbankan yang yang disebut whistleblowing system. 1) Setiap pegawai yang mengetahui terjadinya indikasi terjadinya fraud wajib melaporkan kepada divisi Audit Internal c.q Unit Kerja Anti Fraud atau Pemimpin Satuan Kerja masing masing disertai dengan bukti permulaan yang cukup. 2) Laporan indikasi tindakan fraud yang diterima oleh pemimpin Satuan Kerja wajib disampaikan kepada Divisi Audit Internal selambat-lambatnya 3 (tiga) hari kerja setelah laporan tersebut diterima. 3) Pengaduan tersebut dapat dilakukan melalui;

1. Submission of the Report on Violation The Internal Audit Division posseses a Standard Operating Procedure of Anti-Fraud Strategy, in which the mechanism of complaint/disclosure/revelation of the actions of fraud and/ or criminal acts in banking is contained, named the whistleblowing system. 1) Every employee who knows the indications of fraud must report to the Internal Audit division cq Anti Fraud Work Unit or the Head of the respective Work Unit BDDPNQBOJFECZTVGmDJFOUQSFMJNJOBSZFWJEFODF 2) Reports on the indications of fraud received by the Unit Head must be submitted to the Internal Audit Division no later than three (3) working days after the report is received. 3) The complaint can be channeled through;

Hotline/Helpdesk Anti Fraud: 0896-1041-3373 E-mail : [email protected] Fax : 022-4219176 Website : www.bankbjb.co.id Surat : Divisi Audit Internal c.q Tim Audit Fraud Menara bank bjb Lantai 6 Jl Naripan no 12-14 Bandung 40111, Jawa Barat

Hotline/Anti Fraud Helpdesk: 0896-1041-3373 E-mail : [email protected] Fax : 022-4219176 Website : www.bankbjb.co.id Letter : Internal Audit Division cq Fraud Audit Team Menara bank bjb 6th Floor Jl. Naripan no 12-14 Bandung 40111, West Java

bank bjb Annual Report 2014

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Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO Tata Kelola Perusahaan 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

WHISTLEBLOWING SYSTEM

2. Sistem Perlindungan Pelapor Standar Operasional Prosedur Strategi Anti Fraud menjamin kerahasiaan dan perlindungan pengungkapan/ pelaporan tindakan fraud; 1) Identitas pelapor dan pelaporan fraud yang disampaikan, dijamin kerahasiannya oleh Bank. 2) Bank berkomitmen melindungi setiap pelapor pengungkapan fraud yang memiliki itikad baik. 3) Pengungkapan/pelapor kejadian Fraud dilindungi oleh Bank dari segala bentuk ancaman, intimidasi, penundaan kenaikan pangkat, pemecatan, gugatan IVLVN  QFOHSVTBLBO IBSUB CFOEB  UJOEBLBO mTJL  hukuman atau tindakan tidak menyenangkan lainnya dari terlapor, bank atau dari pihak lain selama pelapor menjaga kerahasiaan kasus yang diadukan kepada pihak manapun. 4) Perlindungan ini juga berlaku bagi pegawai yang melaksanakan investigasi maupun pihak yang memberikan informasi terkait dengan pengaduan/ penyingkapan. 5) Pelapor yang menyampaikan laporan tindakan fraud dan/atau tindak pidana dibidang perbankan ZBOH CFSTJGBU QBMTVmUOBI UJEBL CFSIBL NFOEBQBU perlindungan dari Bank.

2. Protection for the Whistleblower Anti Fraud Strategy Standard Operating Procedure FOTVSFT DPOmEFOUJBMJUZ BOE QSPUFDUJPO PG EJTDMPTVSF reporting of fraud acts;   5IFDPOmEFUJBMJUZPGUIFJEFOUJUZPGUIFSFQPSUFSBOEUIF fraud reporting submitted will be guaranteed by the Bank. 2) The bank is committed to protect any disclosure of fraud reporting with good faith. 3) Disclosure/ reporting of fraud incidence is protected by the Bank from all forms of threats, intimidation, delayed promotions, termination of employment, lawsuit, destruction of property, physical action, penalty or other unpleasant act by the reported party, the bank or other parties as long as the reporter guarantees the DPOmEFOUJBMJUZPGUIFDBTFSFQPSUFEUPBOZQBSUZ 4) This protection also applies to employees who carry out investigations as well as those who provide information related to the complaint/ disclosure. 5) The party who reported the act of fraud/criminal act JO UIF mFME PG CBOLJOH UIBU JT B GBLF TMBOEFS BSF OPU entitled for the protection of the Bank.

3. Penanganan Pengaduan Setelah menerima laporan indikasi tindakan fraud, selanjutnya akan dilakukan investigasi terhadap pengaduan tersebut. Adapun langkah kerjanya mulai dari melakukan pemberkasaan awal, menyusun organisasi investigasi, menyusun rencana kerja, mengumpulkan dan mengelola data serta menganalisis barang bukti, melakukan interviewLPOmSNBTJJOUSPHSBTJ QBSB TBLTJ EBO tersangka, dan menyusun laporan kemajuan pemeriksaan.

3. Handling of Complaint After receiving the fraud action indication reports, investigation will be conducted on the complaint. The steps DPNNFODFE XJUI DPOEVDUJOH JOJUJBM mMJOH  FTUBCMJTIJOH an investigative organization, determining the work plan, collecting and managing the data as well as analysing UIF FWJEFODF  DPOEVDUJOH JOUFSWJFXTDPOmSNBUJPO interrogation of witnesses and suspects, and preparing the investigation progress report.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

589 WHISTLEBLOWING SYSTEM

4. Pengelolan Pengaduan Pengelolaan pengaduan dilakukan oleh Divisi Audit Internal di Grup Anti Fraud dimulai dari pengaduan sampai dengan pelaporan kepada pihak yang berwenang. Laporan Fraud yang diperkirakan berdampak negatif TFDBSB TJHOJmLBO UFSIBEBQ  CBOL EBOBUBV OBTBCBI  termasuk berpotensi menjadi perhatian publik, wajib dilaporkan kepada Direksi dan Bank Indonesia selambat lambatnya 3 (tiga) hari kerja setelah investigasi selesai dilaksanakan.

4. Complaint Management The management of complaints is conducted by the Internal Audit Division in the Anti Fraud Group starting from the reporting of complaints up to reporting the BVUIPSJUJFT 'SBVE SFQPSUT FTUJNBUFE UP IBWF TJHOJmDBOU negative impact on the bank and/or customers, including to have the potential of becoming a public concern, shall be reported to the Board of Directors and Bank Indonesia no later than three (3) working days after the investigation is completed.

5. Laporan Penyelesaian WBS Tahun 2014 Selama tahun 2014 tidak ada Laporan pengaduan yang diterima oleh Perseroan.

5. 2014 WBS Settlement Report There were no complaint report received by the Company in 2014.

bank bjb Annual Report 2014

590

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Tanggung Jawab Sosial Perusahaan Corporate Sosial Responsibility

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

591

• Kepedulian terhadap Lingkungan Hidup Caring to the Environment

595

• Pengembangan Sosial Kemasyarakatan Social Community Development

599

• Tanggung Jawab kepada Konsumen Responsibility to the Customer

604

• Pengelolaan Ketenagakerjaan Employment

609

bank bjb Annual Report 2014

592

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

TANGGUNG JAWAB SOSIAL PERUSAHAAN CORPORATE SOCIAL RESPONSIBILITY

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

593

Bagi bank bjb (“Perseroan”), pelaksanaan tanggung jawab sosial perusahaan (Corporate Social Responsibility/CSR) bukan sekadar kewajiban, tetapi telah menjadi komitmen Perseroan untuk turut membangun masyarakat dan lingkungan. Komitmen tersebut diwujudkan melalui penyaluran dana CSR untuk sejumlah kegiatan.

For bank bjb (“Company”), the implementation of corporate social responsibility (CSR) is not just an obligation, but it has become the Company’s commitment to help build the community and the environment. This commitment is manifested through the distribution of CSR funds for a number of activities.

Program CSR pada dasarnya merupakan wujud nyata peran serta bank bjb dalam peningkatan kualitas hidup masyarakat. Hal itu dilakukan melalui peningkatan dan perbaikan di sektor pendidikan, kesehatan, dan lingkungan hidup yang tersebar di berbagai wilayah Jawa barat, Banten dan wilayah operasional bank bjb lainnya.

CSR program is basically a concrete manifestation of bank bjb’s participation in improving the public’s quality of life. This was carried out through the increase and improvement in education, health, and the environment in various parts of West Java, Banten and other operational areas of bank bjb.

Rangkaian kegiatan tersebut dilakukan bank bjb bukan hanya untuk memenuhi amanat peraturan pemerintah nomor 47 tahun 2012 tentang tanggung jawab sosial dan lingkungan perseroan terbatas. Namun, bank bjb menyadari sepenuhnya bahwa keberlanjutan bisnis perusahaan akan tergantung bagaimana Perseroan membangun ikatan dengan lingkungannya.

These series of activities were carried out by bank bjb not only to comply to the mandate of the Government Regulation No. 47 of 2012 on social and environmental responsibility of limited liability company. Instead, bank bjb is fully aware that the company’s business sustainability will depend on how the Company builds bonds with its environment.

Sejalan dengan hal itu, bank bjb telah melaksanakan fungsi dan tanggung jawab sosial melalui penyaluran dana CSR yang dikelola secara khusus oleh Grup CSR. Unit kerja ini dibentuk berdasarkan Surat Keputusan Direksi PT bank pembangunan Daerah Jawa barat dan banten nomor 701/SK/DiR-CS/2009 tentang pengelolaan Dana Corporate Social Responsibility (CSR), yang diperbarui dengan Surat Keputusan Direksi nomor 015/SK/DiR-CS/2011 tanggal 7 Januari 2011 tentang pengelolaan Dana Corporate Social Responsibility (CSR).

In line with this matter, bank bjb has implemented the social function and responsibility through the disbursement of CSR funds that is managed exclusively by the CSR Group. This unit was formed based on the the Decree of the Board of Directors of PT bank pembangunan Daerah Jawa Barat dan banten number 701/SK/Dir-CS/ 2009 on the management of Corporate Social Responsibility (CSR) funds, which was updated by the Decree of the Board of Director number 015/SK/DiR-CS/2011 dated 7 January 2011 on the management of the Corporate Social Responsibility (CSR) Funds.

Berdasarkan surat keputusan tersebut, telah ditunjuk pemimpin Divisi Corporate Secretary dan pemimpin Grup CSR selaku pengelola dana CSR bank bjb.

Based on the decree, head of the Corporate Secretary Division and head of the CSR Group have been appointed as managers of bank bjb’s CSR funds.

Landasan Hukum

Legal Basis

Dalam pengelolaan dan pelaksanaan CSR bank bjb mengacu pada peraturan-peraturan berikut: 1. Peraturan Pemerintah nomor 47 tahun 2012 tentang Tanggung Jawab Sosial dan Lingkungan Perseroan Terbatas. 2. Hasil Rapat Umum Pemegang Saham Tahunan Perseroan tahun buku 2013. 3. Surat Keputusan Direksi Nomor 116/SK/DiR-CS/2012 tanggal 14 Februari 2012 tentang Pedoman Pelaksanaan CSR.

In the management and implementation of CSR, bank bjb refers to the following regulations: 1. Government Regulation No. 47 of 2012 on Corporate Social Responsibility and the Environment of a Limited Liability Company. 2. Results of the Annual General Meeting of Shareholders of UIF$PNQBOZGPSUIFmTDBMZFBS 3. The Decree of the Board of Directors No. 116/SK/DiRCS/2012 dated 14 February 2012 on CSR Implementation Guidelines. bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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TANGGUNG JAWAB SOSIAL PERUSAHAAN

4. Surat Keputusan Direksi Nomor 1314/SK/DiR-CS/2010 tanggal 22 Juni 2010 tentang Kewenangan Pemberian Persetujuan Dana Corporate Social Responsibility (CSR). 5. Surat Keputusan Direksi Nomor 015/SK/DiR-CS/2011 tentang Pengelolaan Dana Corporate Social Responsibility (CSR). 6. Surat Keputusan Direksi Nomor 591/SK/DiR-CS/2011 tentang Perlakuan Terhadap Rekening Giro Dana Corporate Social Responsibility (CSR).

4. The Decree of the Board of Directors No. 1314/SK/DiRCS/2010 dated 22 June 2010 on the Authority of Corporate Social Responsibility (CSR) Fund Provision Approval. 5. The Decree of the Board of Directors No. 015/SK/DiRCS/2011 on Corporate Social Responsibility (CSR) Fund Management. 6. The Decree of the Board of Directors No. 591/SK/DiRCS/2011 on Treatment of Corporate Social Responsibility (CSR) Current Account Funds.

Fokus Pelaksanaan

Implementation Focus

Program CSR bank bjb pada dasarnya meliputi peningkatan kualitas hidup di sektor pendidikan, kesehatan, dan lingkungan hidup. Dalam pelaksanaannya, bank bjb bekerja sama dengan pemerintah daerah maupun mitra-mitra seperti yayasan, lembaga, organisasi maupun perguruan tinggi. Seluruh kegiatan CSR yang dilaksanakan bank bjb harus memberikan nilai tambah bagi penerima manfaat serta tersebar ke berbagai sektor dan wilayah.

The CSR program of bank bjb basically includes the improvement of the quality of life in education, health, and the environment. In its implementation, bank bjb cooperates with local authorities and partners such as foundations, institutions, organizations and universities. All CSR activities undertaken by bank bjbNVTUQSPWJEFBEEFEWBMVFUPJUTCFOFmDJBSJFTBOE spread to various sectors and regions.

Kegiatan tanggung jawab sosial yang dilaksanakan bank bjb juga menerapkan prinsip keberlanjutan dan kesinambungan dalam pelaksanannya. Dengan begitu, komitmen untuk memberikan kontribusi bagi segenap pemangku kepentingan dapat benar-benar terwujud sejalan dengan perkembangan bisnis bank bjb yang kian melesat.

Social responsibility activities performed by bank bjb also apply the sustainability and continuity principles in its implementation. Therefore, the commitment to contribute to all stakeholders can actually materialize in line with the business development of bank bjb which is accelerating.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

595 CORPORATE SOCIAL RESPONSIBILITY

Dana CSR

CSR Funds

Dana CSR bank bjb tahun 2014 bersumber dari: 1. Penyisihan laba setelah pajak dengan besaran yang ditetapkan oleh Rapat Umum pemegang Saham (RUPS). Perseroan kembali mengalokasikan sebagian dari perolehan laba bagi program CSR, sesuai hasil RUPS tahunan. Keputusan itu mengatur bahwa laba Perseroan, antara lain digunakan untuk dana CSR maksimal 5% (lima persen). 2. Bunga Jasa Giro Program CSR. Berdasarkan Keputusan Direksi nomor 591/SK/DiRCS/2011 tanggal 20 oktober 2011 tentang perlakuan terhadap Rekening Giro Dana Corporate Social Responsibility (CSR), dana CSR yang ditempatkan di rekening giro CSR tidak diberikan jasa giro serta dibebaskan dari seluruh biaya dalam aktivitas gironya.

CSR funds of bank bjb in 2014 originate from:  1SPWJTJPO PG QSPmU BGUFS UBY XJUI UIF BNPVOU EFUFSNJOFE by the General Meeting of Shareholders (GMS). The $PNQBOZ SFBMMPDBUF B QPSUJPO PG UIF QSPmU GPS $43 programs, in accordance with the results of the Annual (.4 5IF EFDJTJPO SFHVMBUFT UIBU UIF $PNQBOZT QSPmUT  among others, are used to fund CSR with a maximum of  mWFQFSDFOU  2. Interest of CSR Pogram’s Current Account Services. Based on the Decree of the Board of Directors No. 591/ SK/DiR-CS/2011 dated 20 October 2011 on Treatment of Corporate Social Responsibility (CSR) Current Account Funds, CSR funds that are placed in the CSR current account is not given current account services and exempted of all cost in the activities of its account.

Namun tidak dilakukan koreksi atas jasa giro dan biaya yang telah diberikan/dibebankan sebelum keputusan direksi tersebut diberlakukan.

However no correction will be conducted on account services and the fees which have been granted/imposed prior to the enforcement of the board of directors’ decision.

3. Sisa dana CSR tahun sebelumnya yang belum disalurkan. Sepanjang tahun 2014, bank bjb telah menyalurkan dana CSR. Dari jumlah tersebut, komposisi penyalurannya berdasarkan peruntukannya adalah:

3. Remaining CSR funds from the previous year which has not been distributed. Throughout 2014, bank bjb has disbursed CSR funds. Of these, the composition of the distribution based on the designation is:

2013

2014

Bidang Lingkungan Hidup

Uraian

50,90%

46,13%

Environmental Sector

Bidang Pendidikan

30,89%

42,58%

Education Sector

Bidang Kesehatan

18,21%

18,21%

Health Sector

A. KEPEDULIAN TERHADAP LINGKUNGAN HIDUP Kegiatan CSR di bidang lingkungan hidup pada dasarnya ditujukan untuk memperbaiki kualitas lingkungan hidup, khususnya di wilayah Jawa Barat. Realisasi penggunaan dana untuk sektor lingkungan hidup sejumlah Rp21,28 miliar atau 46% dari total dana CSR tahun 2014 yang digunakan. Kegiatan pada sektor ini meliputi pembangunan atau perbaikan prasarana umum dan infrastruktur serta perbaikan dan peningkatan kualitas lingkungan hidup, pemberdayaan masyarakat dan kegiatan lainnya yang memiliki nilai manfaat dalam peningkatan kulitas lingkungan hidup, taraf hidup, dan kesejahteraan masyarakat.

Description

A. CARING TO THE ENVIRONMENT 

$43 BDUJWJUJFT JO UIF mFME PG UIF FOWJSPONFOU JT CBTJDBMMZ intended to improve the quality of the environment, particularly in the West Java area. The realization of funds utilization for the environmental sector amounted to Rp21.28 billion or 46% of the total 2014 CSR funds used. Activities in this sector include the construction or repair of public utilities and infrastructure as well as the improvement and enhancement of the environment, community development and other activities that have CFOFmDJBMWBMVFTJOJNQSPWJOHUIFQVCMJDTRVBMJUZPGMJWJOH environment, standard of living, and welfare.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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TANGGUNG JAWAB SOSIAL PERUSAHAAN

Salah satu upaya untuk meningkatkan kesejahteraan masyarakat adalah melalui program stimulan seperti bantuan bagi kelompok usaha dan rehabilitasi rumah tidak layak huni. Kegiatan rehabilitasi rumah tidak layak huni dilaksanakan di Kabupaten Bandung, Kabupaten Gianyar, Kota Tasikmalaya, Kota Tangerang Selatan, Kota Depok, Kabupaten Sumedang, Kota Cirebon, Kabupaten Bogor, Kota Banjar, Kota Cilegon, Kota Bogor. Program ini pada gilirannya bertujuan untuk memacu tumbuhnya kesadaran, kemauan, dan kepedulian masyarakat dalam meningkatkan kualitas hidup. Bantuan bagi kelompok usaha dan rehabilitasi rumah tidak layak huni dilaksanakan bekerja sama dengan Pemerintah Daerah masing-masing, lembaga, atau masyarakat setempat.

One of the effort to improve the welfare of the community is through stimulant programs such as assistance for business groups and rehabilitation of uninhabitable houses. Rehabilitation of uninhabitable houses activity was carried out in the Bandung Regency, Gianyar Regency, Tasikmalaya CIty, South Tangerang City, Depok City, Sumedang Regency, Cirebon City, Bogor Regency, Banjar City, Cilegon City, Bogor City. This program, in turn, has the objective to spur the growth of consciousness, willingness, and concern of the community in improving the quality of life. Assistance for business groups and rehabilitation of uninhabitable houses were carried out in collaboration with the respective Local Government, institution, or local communities.

Penyaluran dana CSR juga disalurkan untuk Program Kampung Kreatif bekerja sama dengan BCCF (Bandung Creative City Forum) yang bertujuan untuk merencanakan dan memperbaiki infrastruktur kampung-kampung sebagai sarana pendukung pengembangan ekonomi kreatif dan menciptakan wirausaha-wirausaha kreatif baik perorangan atau komunitas dan dengan program ini diharapkan kampung tersebut menjadi kampung yang kreatif dan mandiri.

The disbursement of CSR funds was also channeled for the Creative Village Program in collaboration with BCCF (Bandung Creative City Forum) which aims to plan and improve the infrastructures of villages as a means of supporting the development of creative economy and creating creative entrepreneurs both individually or communal, with this program, the villages are expected to become creative and independent villages.

Mengisi bulan Ramadhan, bank bjb juga memberikan bantuan kepada sarana panti asuhan-panti asuhan di wilayah sekitar Bandung dan sekitarnya sesuai kebutuhan masing-masing dan bagi anak-anak panti diberikan paket lebaran.



5P mMM UIF NPOUI PG 3BNBEIBO  CBOL bjb also provide infrastructures assistance to orphanages in the Bandung area and its surroundings according to their respective needs and the orphans were given eid packages.

Terkait bencana yang terjadi, bank bjb turut serta dalam upaya meringankan beban dan pemulihan kondisi masyarakat serta terlibat dalam upaya pencegahan melalui bantuan perahu karet, bantuan kebutuhan pokok dan pembangunan hunian bagi korban serta pengadaan sarana pendukung untuk SAR, BPBD, dan PMI.

Related to disasters that occured, bank bjb participates in the efforts to lighten the load and recovery of conditions in the community and are involved in prevention efforts through rubber boat assistance, basic needs assistance and construction of shelter for victims as well as procurement of supporting infrastructures for the SAR, BPBD, and PMI (Indonesia Red Cross).

Untuk maksud tersebut, sejumlah kegiatan yang sudah dijalankan sepanjang tahun 2014 antara lain:

For this purpose, a number of activities that have been carried out throughout 2014 are, among others:

1. Memberikan bantuan kepada Badan Koordinasi Mahasiswa Indonesia-Bandung untuk kegiatan penanaman 10.000 pohon yang terdiri dari pohon Jati Putih, Alba/Sengon, Surian dan Mahoni dengan

1. Provide assistance to the Indonesia-Bandung Student Coordination Board for the activity of planting 10,000 trees consisting of White Teak tree White, Alba/ Sengon, Surian and Mahogany trees at the Kp.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

597 CORPORATE SOCIAL RESPONSIBILITY

2.

3.

4.

5.

6.

lokasi penanaman di Kp. Cipulus Desa Cilengkrang Kab. Bandung dan wilayah lainnya di Kota Bandung, Kabupaten Sumedang, Kabupaten Subang, hingga Kabupaten Majalengka. Memberikan bantuan kepada Komunitas Masyarakat Peduli Lingkungan RW 020 Margahayu Bekasi Timur yang mengadakan kegiatan lomba kebersihan dan pelestarian lingkungan yang bertujuan untuk memotivasi masyarakat agar menyadari pentingnya pelestarian lingkungan. Kegiatan tersebut juga dimaksudkan untuk mengubah pola pikir dan perilaku masyarakat agar peduli pada lingkungan. Memberikan bantuan untuk pemulihan kondisi masyarakat di wilayah Karawang dan Bekasi yang menjadi korban bencana banjir serta untuk kegiatan penanggulangan bencana banjir di wilayah tersebut. Kepedulian dalam mengurangi emisi karbon diwujudkan melalui dukungan terhadap car free day lewat bantuan 20 (dua puluh) unit sepeda kepada Unit Polisi Pariwisata Satuan Sabhara Polrestabes Kota Bandung untuk menjalankan fungsinya dalam melaksanakan patroli untuk menjaga ketertiban dan kemananan car free day. Bertepatan dengan HUT ke-53, bank bjb bekerja sama dengan FK3I (Forum Komunikasi Kader Konservasi Indonesia) melakukan Penanaman 1.000 Pohon di TAHURA (Taman Hutan Rakyat) Ir. H. Djuanda Provinsi Jawa Barat. Kegiatan ini, di antaranya memberikan manfaat hidrologis, yakni bahwa tanaman sebagai penyerap air hujan. Dengan demikian akan menjadikan daerah resapan/persediaan air tanah yang dapat memenuhi kehidupan bagi manusia dan makhluk lainnya. Kepedulian bank bjb terhadap lingkungan juga diwujudkan berupa dukungan terhadap pembangunan Green House, yang sebagian besar digunakan untuk penelitian percobaan budidaya, pemupukan, serta ketahanan tanaman terhadap hama maupun penyakit. SMAN I Sindang Kabupaten Indramayu menjadi salah satu sekolah yang peduli terhadap perkembangan agribisnis di Indonesia, karena dengan adanya Green House mampu menciptakan iklim yang bisa membuat tanaman berproduksi tanpa kenal musim juga mampu menghindarkan dari serangan hama dan penyakit.

2.

3.

4.

5.

6.

Cipulus Cilengkrang Village Regency of Bandung and other areas in the city if Bandung, Regency of Sumedang, Regency of Sumedang, up to the Regency of Majalengka planting sites. Provide assistance to Environmental Care Community of RW 020 Margahayu East Bekasi which organized the held the cleanliness and environmental conservation competition that aims to motivate people to realize the importance of environmental conservation. These activities were also intended to change the people’s mindset and behavior to have a concern on the environment. Provide assistance for the recovery of communities in ,BSBXBOHBOE#FLBTJXIPBSFWJDUJNTPGnPPETBTXFMM BTGPSUIFnPPEEJTBTUFSNBOBHFNFOUBDUJWJUJFTJOUIF region. Concern in reducing carbon emissions was realized through the support for the car free day through the assistance of 20 (twenty) bicycles to the Tourism Police Unit of the Sabhara Unit of Polrestabes Bandung to perform its functions in conducting patrols to maintain order and security in the car free day. Coinciding with its 53rd anniversary, bank bjb cooperates with FK3I (Indonesian Conservation Volunteers Communication Forum) in planting 1,000 trees in the TAHURA (Public Forest Park) of Ir. H. Juanda, West Java Province. This activity, provided BNPOH PUIFST IZESPMPHJDBM CFOFmUT  OBNFMZ QMBOU as rainwater absorber. Thus creating catchments/ HSPVOEXBUFSTVQQMJFTUIBUDBOGVMmMMMJWJOHSFRVJSFNFOUT for humans and other living creatures. The concern of bank bjb for the environment is also manifested in the form of support for the development of Green House, which is mostly used for cultivation, fertilization, and plant resistance to pests and diseases experimental researches. SMAN I Sindang of the Indramayu Regency become one of the school that cares about the development of agribusiness in Indonesia, because through the presence of the Green House enabled the creation of a climate that can make crop production without observing the season and able to avoid the attack of pests and diseases.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

598

TANGGUNG JAWAB SOSIAL PERUSAHAAN

7. Kegiatan lainnya yang dilaksanakan yaitu Penataan Taman Kota Cilegon. Penataan ini bertujuan untuk menciptakan dan meningkatkan kualitas lingkungan hidup, tidak hanya menjadikan Taman di Kota Cilegon tertata dengan baik, namun juga manfaatnya dirasakan oleh masyarakat setempat. 8. Bantuan Mesin Pencacah Eceng Gondok diberikan untuk membantu permasalahan lingkungan di Kawasan Situ Bagendit Kabupaten Garut, mengingat penyebaran Eceng Gondok tersebut sudah mencapai 126 hektar di permukaan sehingga mengganggu keindahan Situ Bagendit. Alat pencacah tersebut diharapkan dapat membantu masyarakat yang selama ini bahu membahu membasmi eceng gondok dan Situ Bagendit kembali menjadi situ yang dibanggakan warga Garut. 9. Pembangunan Rumah Kreatif di Kota Bandung, bekerja sama dengan Yayasan Saung Kadeudeuh. Rumah kreatif ini merupakan pusat kegiatan pengelolaan limbah rumah tangga. Rumah Kreatif akan memberikan penyuluhan dan pelatihan dalam mengelola limbah rumah tangga hingga memberikan manfaat bagi warga sekitar sampai mendatangkan penghasilan tambahan. 10. Pengelolaan sampah juga dilakukan dalam penngadaan tong sampah dan kontainer sampah serta program Green School yakni berupa pemberian aplikasi pengelolaan sampah organik teknologi Biomethagreen. Konsep ini hadir sebagai alternatif pengelolaan sampah khususnya sampah organik. Instalasi Biomethagreen merupakan pembangkit biogas dengan menggunakan prinsip kedap udara (anaerob). Produk akhir dari proses fermentasi menghasilkan pupuk organik dan biogas untuk bahan bakar rumah tangga maupun sebagai energi pembangkit generator listrik. 11. Pembangunan Tempat Pengelolaan Sampah Terpadu (TPST) di Kota Bandung kerja sama dengan Yayasan Saung Kadeudeuh dan PD Kebersihan Kota Bandung. Di lokasi TPST tersebut dibangun Biodigester, Rumah Kreatif, MCK++ (plus-plus) dan Mushala. TPST ini merupakan pusat kegiatan dalam pengelolaan limbah rumah tangga sehingga dapat memberikan manfaat bagi warga sekitar. Kegiatan pengelolaan sampah terpadu seperti ini diharapkan menjadi stimulan bagi warga dalam mengelola limbah rumah tangga dengan baik dan benar serta menciptakan lingkungan yang asri dan sehat. bank bjb Laporan Tahunan 2014

7. Another activity performed was the Arrangement of Cilegon City Park. This arrangement is aimed to create and improve the quality of the environment, not only making the park in the City of Cilegon orderly, but the CFOFmUTXFSFBMTPQFSDFJWFECZUIFMPDBMDPNNVOJUZ 8. Water Hyacinth Cutting Machines provided to help solve the environmental problems in the Situ Bagendit Garut Regency area, considering the spread of the water hyacinth has reached 126 hectares on the surface, diminishing the beauty of Situ Bagendit. The cutting tool is expected to help the people who have joined forces to eradicate the water hyacinth and making Situ Bagendit to once again become the lake that is celebrated by the citizens of Garut. 9. The construction of the Creative House in the City of Bandung, in collaboration with the Saung Kadeudeuh Foundation. The creative house is a household waste management center. The creative house will provide education and training in managing household waste UPQSPWJEFCFOFmUTGPSUIFMPDBMSFTJEFOUT CSJOHJOHJO extra income for them. 10. Waste management is also carried out in the procurement of trash cans and garbage containers as well as the Green School program which is the provision of organic waste management technology applications Biomethagreen. This concept exists as an alternative for waste management, particularly organic waste. The Biomethagreen installation is a biogas plant using the airtight (anaerobic) principle. The end product of the fermentation process are organic fertilizer and biogas for household fuel and as energy for electricity generator. 11. The construction of Integrated Waste Management Place (TPST) in Bandung City in cooperation with the Saung Kadeudeuh Foundation and Health PD of Bandung City. At the TPST location, Biodigester, Creative House, MCK ++ (plus-plus) and small mosques were built. The TPST is the activity center in the management of household waste, so that it DBO QSPWJEF CFOFmUT GPS UIF MPDBM QFPQMF 5IFTF integrated waste management activities are expected to be a stimulant for the communities to manage the household waste properly and create a beautiful and healthy environment.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

599 CORPORATE SOCIAL RESPONSIBILITY

12. Pembangunan green house, pemberian tong sampah dan pot bunga, penataan ruang terbuka hijau dan penataan taman kota, penataan taman sekolah, dan sebagainya.

B. PENGEMBANGAN SOSIAL KEMASYARAKATAN Untuk program CSR di bidang sosial kemasyarakatan, sejumlah kegiatan yang sudah dilaksanakan adalah: 1. Bantuan pembuatan gapura sebagai akses masuk di Sentra Industri Keripik Kelurahan Setiamanah, Kota Cimahi. Di antara tujuannya, demi mendukung perekonomian maupun pemberdayaan masyarakat. 2. Memberikan bantuan modal usaha, di antranya kepada: a. Kelompok usaha di Kabupaten Tasikmalaya yang bergerak di bidang pertanian dan peternakan. b. Pokdakan Tirta Karunia Kota Depok. c. Koperasi dan pelaku usaha menengah ke bawah di Kabupaten Serang, Banten. d. Sejumlah lanjut usia di Kabupaten Bandung, Jawa Barat. 3. Program Penumbuhan Komunitas Usaha Mikro Garsel Yayasan Sahabat Mandiri Kabupaten Garut, Jawa Barat. 4. Pembangunan kios di sepanjang jalan utama Kabupaten Purwakarta.

12. The construction of green houses, provision of garbage DBOTBOEnPXFSQPUT TUSVDUVSJOHPGPQFOHSFFOTQBDF and arrangement of the city parks, school garden arrangement, and others.

B. SOCIAL COMMUNITY DEVELOPMENT 

'PS$43QSPHSBNTJOUIFTPDJBMmFME BOVNCFSPGBDUJWJUJFT that have been implemented are: 1. Assistance in the gate construction as an entry in the Setiamanah District Chips Industry Center, Cimahi City. Among its objectives, to support the economics and community empowerment. 2. Provide capital support, among others to: a. Business group in the Tasikmalaya Regency FOHBHFE JO UIF mFME PG BHSJDVMUVSF BOE BOJNBM husbandry. b. Pokdakan Tirta Karunia of Depok City. c. Cooperative and medium to small businesses in the Serang Regency, Banten. d. A number of elderlies in the Bandung Regency, West Java. 3. The Garsel Micro Business Growth Community program of the Sahabat Mandiri Foundation in the Garut Regency, West Java. 4. Construction of stalls along the main roads of the Purwakarta Regency.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

600

TANGGUNG JAWAB SOSIAL PERUSAHAAN

•

Bidang Pendidikan

•

Education

Program CSR kepada dalam bidang pendidikan ditujukan mulai dari pendidikan anak usia dini hingga perguruan tinggi, sekolah kejuruan maupun pendidikan anak luar biasa. Penyaluran terbesar diberikan bagi sekolah dasar, dengan mempertimbangkan bahwa pengetahuan dasar, kepribadian, akhlak, dan keterampilan awal dimulai dari pendidikan dasar yang baik.



$43 QSPHSBNT JO UIF mFME PG FEVDBUJPO JT BJNFE ranging from early childhood education up to higher education, vocational schools and exceptional child education. The biggest disbursement was given to elementary school, taking into account that the basic knowledge, personality, character, and initial skills starts from a good basic education.

Penyediaan sarana dan prasarana pendidikan pendidikan masih menjadi agenda kegiatan CSR bank bjb, mengingat masih banyak sarana dan prasarana sekolah yang belum layak menjadi tempat pembelajaran baik itu sekolah formal maupun sekolah non formal.

bank bjb Laporan Tahunan 2014

The provision of educational facilities is still on bank bjb’s CSR Activities’ agenda, since there are still many school facilities and infrastructures that are not adequate to become a learning place, neither formal and non-formal schools.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

601 CORPORATE SOCIAL RESPONSIBILITY

Total dana CSR sebesar Rp19.642.418.448 disalurkan untuk sektor ini. Selain pembangunan dan renovasi ruang kelas, bantuan sarana dan prasarana sekolah terus dilakukan seperti bantuan alat-alat praktek untuk sekolah kejuruan, pengadaan meubelair, alat permainan edukatif bagi pendidikan anak usia dini, pembangunan/perbaikan lapangan dan fasilitas olahraga, bantuan komputer serta bantuan bagi koperasi sekolah.

Total CSR funding in the amount of Rp19,642,418,448 was channeled to this sector. In addition to the construction and renovation of classrooms, school facilities and infrastructures assistance continued to be carried out such as practice tools assistance for of vocational schools, procurement of furniture, educational game tools for early childhood education, construction/ SFQBJSPGmFMETBOETQPSUTGBDJMJUJFT DPNQVUFSBTTJTUBODF as well as assistance for school cooperatives.

Kepedulian bank bjb pada masalah pendidikan berdasarkan keyakinan bahwa anak-anak Indonesia punya potensi dan kemampuan untuk menjadi pemimpin masa depan yang mampu menempatkan Indonesia sejajar dengan negara-negara maju. Faktanya, masih banyak anak-anak yang putus sekolah dan tidak dapat melanjutkan pendidikan mereka ke jenjang yang lebih tinggi karena masalah mOBOTJBM

The concern of bank bjb on educational issues is based on the belief that the Indonesian children has the potential and the ability to become future leaders who will be able to put Indonesia equal with developed countries. In fact, there are still many children who dropped out of school and are not able to continue their FEVDBUJPOUPBIJHIFSMFWFMEVFUPmOBODJBMQSPCMFNT

Perseroan ingin membuka akses pendidikan seluasluasnya, khususnya bagi siswa berprestasi yang berasal dari keluarga prasejahtera melalui pelatihanpelatihan dan beasiswa. Dengan begitu, kita dapat mencetak generasi terbaik yang akan membawa kemajuan bagi negeri ini.

The Company wishes to open the access to education as wide as possible, particularly for outstanding students coming from disadvantaged families through training and scholarships. By doing so, we can create the best generation that will bring progress for the country.

Program beasiswa yang telah dilaksanakan diantaranya beasiswa kepada mahasiswa Universitas Pasundan, Universitas Swadaya Gunung Jati, dan STIE Ekuitas. Selain beasiswa, kolaborasi dengan STIE Ekuitas juga terjalin dalam program Studepreneur. Studepreneur sendiri merupakan program yang dipersiapkan bagi mahasiswa yang sudah memulai usaha. Program ini digelar agar mahasiswa memiliki pengetahuan yang lengkap tentang dunia bisnis langsung dari para pelaku usaha yang berhasil. Pelatihan lainnya yakni pelatihan pendidikan kewirausahaan Kampung Parigi Kabupaten Pangandaran dan pelatihan pemanfaatan internet bagi para pendidik di Kabupaten Sumedang bekerja sama dengan Dewan Pendidikan Kabupaten Sumedang.

Scholarship programs that have been implemented are among others the provision of scholarships to students of the University Sundanese, University of Swadaya Gunung Jati, and STIE Ekuitas. In addition to scholarships, collaboration with STIE ekuitas is also performed in the Studepreneur program. Studepreneur is a program that is prepared for students who have started a business. The program is held so students have a complete knowledge of the business world directly from successful businesses. Other trainings are the Kampung Parigi entrepreneurship education training in the Pangandaran Regency and training for internet usage for educators in the Sumedang Regency in cooperation with the Education Council of Sumedang Regency.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

602

TANGGUNG JAWAB SOSIAL PERUSAHAAN

Sejumlah kegiatan yang sudah dilaksanakan di antaranya: 1. Pengembangan sumber daya manusia melalui edukasi bahasa Inggris, seperti Youth Speak Fun Day, yaitu program edukasi bahasa Inggris yang dikemas secara menarik yang diselenggarakan oleh ISLC (Indonesia Student Leadership Camp) III bersama Universitas Indonesia. 2. Turut serta dalam program “Gerakan Seribu Buku“, berupa pemberian buku-buku bacaan,buku tulis serta rak buku bagi sekolah dan siswa Sekolah Dasar. 3. Memberikan bantuan alat-alat praktek sekolah berupa Tool Set, Timing Light Milion, Las Listrik, Kompresor, Las Karbit (Asetelin), Bor Duduk, Baterai, Charger Baterai Besar untuk sekolah Kejuruan otomotif, pengadaan meubelar dan alat permainan edukatif bagi pendidikan anak usia dini, pembangunan/perbaikan ruang kelas serta bantuan bagi koperasi sekolah. 4. Menyalurkan beasiswa kepada 13 mahasiswa Universitas Pasundan, Universitas Swadaya Gunung Jati, dan STIE Ekuitas, yang di antaranya bertujuan sebagai motivasi para mahasiswa agar dapat lebih meningkatkan prestasinya di bidang akademik. 5. Bekerja sama dengan STIE Ekuitas, bank bjb mengadakan studepreneur, peningkatkan keterampilan para mahasiswa di bidang kewirausahaan dan pemberian Beasiswa kepada 10 Mahasiswa Berprestasi. 6. Pelatihan pendidikan kewirausahaan Kampung Parigi, Kabupaten Pangandaran dan pelatihan pemanfaatan internet bagi para pendidik di Kabupaten Sumedang, bekerja sama dengan Dewan Pendidikan Kabupaten Sumedang.

•

Sektor Kesehatan Kualitas kesehatan masyarakat adalah salah satu faktor utama bagi meningkatnya kesejahteraan masyarakat. Pada kenyataannya, masih terdapat kelompok masyarakat yang belum memiliki akses ke fasilitas kesehatan yang disediakan pemerintah. Oleh karena itu, bank bjb tergerak untuk berperan serta membantu menyediakan, memperbaiki dan meningkatkan sarana prasarana dan kualitas layanan kesehatan masyarakat.

bank bjb Laporan Tahunan 2014

A number of activities which have been performed are, among others: 1. Development of human resources through education in English, such as the Youth Speak Fun Day, an English language education program that is attractively packaged, organized by ISLC (Indonesian Student Leadership Camp) III together with the University of Indonesia. 2. Participate in the “Thousand Books Movement” program, which is the provision of textbooks, exercise books as well as bookshelves for schools and elementary school students. 3. Provide practice tools assistance in the form of Tool Set, Timing Light Milion, Electric Weld, Compressor, Carbide (Asetelin) Weld, Drill Press, Batteries, Large Battery Charger for automotive vocational school, procurement of furnitures and educational game and tools for early childhood education, construction/ repaur of classrooms as well as assistance for school cooperatives. 4. Distribute scholarships to 13 University of Pasundan, University of Swadaya Gunung Jati, and STIE Ekuitas students, among which is intended as a motivation for the students to further improve their academic performance. 5. In cooperation with STIE Ekuitas, bank bjb held studepreneur, enhancing the skills of the students JOUIFmFMEPGFOUSFQSFOFVSTIJQBOEUIFQSPWJTJPOPG 10 scholarships to Students with Achievements. 6. Entrepreneurship education training of Kampung Parigi, Pangandaran Regency and internet usage training for educators in the Sumedang Regency, in collaboration with the Education Council of the Sumedang Regency.

•

Health Sector The quality of public health is one of the main factors for the increase in the welfare of society. In fact, there are still communities who do not have access to health facilities provided by the government. Therefore, bank bjb is encouraged to participate as well as assist in providing, repairing and improving the infrastructures and quality of public health services.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

603 CORPORATE SOCIAL RESPONSIBILITY

Peningkatan, penyediaan, dan perbaikan fasilitas kesehatan pada tahun 2014, antara lain dilakukan melalui kegiatan:

Enhancement, provision, and improvement of health facilities in 2014 were conducted through the following activities:

1. Pembangunan sarana dan prasarana Puskesmas dan Posyandu, pembangunan dan rehabilitasi MCK (Mandi Cuci Kakus), pengadaan sarana dan prasarana Rumah Sakit Umum serta pengadaan sarana air bersih. Pengadaan sarana air bersih dilakukan dengan memperbaiki atau membangun saluran air bersih serta pengadaan tangki air dan pompa air. 2. Untuk memaksimalkan pelayana kesehatan dan memudahkan untuk kegiatan operasional, selama tahun 2014 bank bjb menyerahkan sebanyak lima ambulan kepada PMI Kabupaten Bogor, RSUD dr. Slamet Kabupaten Garut, Pusunda Denpasar Bali, RSUD Indramayu, dan Masjid Al-Muhajirin Kota Depok. 3. bank bjb juga turut berpartisipasi pada kegiatan pelatihan-pelatihan dan seminar-seminar kesehatan yang bertujuan untuk mempromosikan, mengedukasi dan membangun kesadaran masyarakat mengenai kesehatan seperti narkoba, sex bebas dan HIV/AIDS. 4. Bertepatan dengan HUT RI ke-69 bank bjb mengadakan rangkaian kegiatan berupa donor darah, operasi katarak, operasi bibir sumbing,

1. The construction of facilities and infrastructures of integrated health centers (Puskesmas and Posyandu), construction and rehabilitation of MCK (Bath Wash Toilet), provision of facilities and infrastructure of Public Hospital as well as the procurement of clean water. The procurement of clean water supply was carried out by repairing or building water pipelines as well as the procurement of water tank and water pump. 2. To maximize health services and facilitate operational activities, during 2014, bank bjb EPOBUFE mWF BNCVMBODFT UP UIF 1.* PG #PHPS Regency, dr. Slamet Hospital in the Garut Regency, Pusunda Denpasar Bali, Indramayu Hospital, and Al-Muhajirin Mosque in Depok. 3. bank bjb also participated in health training and seminar activities aimed at promoting, educating and building the awareness of the public on health issues such as drugs, free sex and HIV/ AIDS. 4. Coinciding with the 69th Indonesia Independence Day, bank bjb organized a series of activities such as blood donation, cataract surgery, cleft lip surgery, hernia surgery, and Kampung Nutrisi. Kampung Nutrisi was conducted in 5 RW in the

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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TANGGUNG JAWAB SOSIAL PERUSAHAAN

operasi fernia, dan Kampung Nutrisi. Kampung Nutrisi ini dilaksanakan di 5 RW di Kecamatan Braga Kota Bandung dengan kegiatan, meliputi pemberian paket nutrisi, pemberian paket sembako, dan penyuluhan gizi buruk. 5. Kegiatan lainnya adalah program rutin bank bjb yang dilakukan pada masa liburan anak sekolah, yaitu kegiatan khitanan massal. Pada tahun 2014 bank bjb melaksanakan khitanan massal di Kabupaten Tangerang dengan jumlah peserta khitan sebanyak 200 anak yang diadakan Kegiatan khitanan massal rutin diselenggarakan setiap tahun di kota-kota besar di Indonesia.

C. TANGGUNG JAWAB KEPADA KONSUMEN Kebijakan Perseroan memiliki komitmen yang tinggi untuk memenuhi tanggung jawab kepada konsumen dan nasabahnya. Bagi bank bjb, nasabah merupakan rekan utama dalam setiap langkah pengembangan usaha yang dilakukan perseroan. Oleh karena itu, bank bjb menempatkan kepuasan nasabah sebagai prinsip dasar dalam setiap pelayanannya.

Braga District of Bandung with activities, including the provision of nutritional packages, provision of food packages, and poor nutrition counseling. 5. Another activity is the routine bank bjb program that is conducted during the school holidays, namely the mass circumcision activity. In 2014 bank bjb carried out the mass circumcision activity in the Tangerang Regency with a total of 200 children participating in the activity. The mass circumcision activity is regularly held every year in major cities in Indonesia.

C. RESPONSIBILITY TO THE CUSTOMER



Policy 5IF $PNQBOZ IBT B TUSPOH DPNNJUNFOU UP GVMmMM JUT responsibilities to consumers and customers. For bank bjb, the customer is the main partner in every step of the development efforts of the company. Therefore, bank bjb put customer satisfaction as a basic principle in each of its services.

Pengembangan budaya layanan pada tahun 2013 diarahkan kepada terciptanya services culture. Hal itu dilakukan melalui implementasi Pengembangan Budaya Layanan di seluruh outlet bank bjb, implementasi TUBOEBSEJTBTJBTQFLmTJL Premises) di seluruh outlet bank bjb dan evaluasi implementasi pengembangan budaya layanan di seluruh outlet bank bjb. Standar ukuran yang digunakan seperti tercatat dalam kategori bank umum nasional penilaian Bank Service Excellent Monitoring (BSEM) versi MRI (Marketing Research Indonesia).

The development of the services culture in 2013 is directed to the creation of services culture. This was conducted through the implementation of the Cultural Services Development across the bank bjb outlets, the implementation of physical (Premises) physical aspect at all outlets of bank bjb and implementation evaluation of the development of services culture throughout bank bjb outlets. Standard measurements are used as recorded in the category of national banks of Bank Monitoring Service Excellent (BSEM) version of MRI (Marketing Research Indonesia).

bank bjb juga telah membuat pedoman standar pelayanan, roadmap, dan blue print sebagai acuan dalam membangun budaya layanan bank bjb. Road Map membangun budaya layanan disusun berupa tahapan target yang harus dicapai selama tiga tahun. Hal ini dijadikan pedoman dalam penyusunan inisiatif strategis dan rencana kerja.

bank bjb has also created the services standard guidelines, road map and blue print as a reference in building the services culture of bank bjb. Road Map to build the services culture prepared target stages to be achieved over three years. This is used as a guidelines in the preparation of strategic initiatives and action plans.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

605 CORPORATE SOCIAL RESPONSIBILITY

a. Tahun 2012-2013 sebagai tahun “The Best Ten in Service” dengan target menjadi 10 besar di antara bank umum nasional di Indonesia dan 10 besar scoring index layanan versi MRI. b. Tahun 2013-2014 sebagai tahun “The Best Seven in Service” dengan target menjadi 7 besar di antara bank umum nasional di Indonesia dan 7 besar scoring index layanan versi MRI. c. Tahun 2014-2015 sebagai tahun “The Best Five in Service” dengan target menjadi 5 besar di antara bank umum nasional di Indonesia dan 5 besar scoring index layanan versi MRI.

2012

“The Best Ten In Service”

1. Penyempurnaan Buku dan Video Standar Layanan 2. Pembuatan Sistem Aplikasi Service Measurement 3. Penyelesaian Buku Panduan Standarisasi Aspek Fisik (Aspek Premises) 4. Implementasi Pengembangan Budaya Layanan, termasuk aspek fisik pada 8 outlet pilot 5. Evaluasi Implementasi pada 8 outlet pilot 6. Program Quick Win Pencapaian 10 Besar MRI 1. Improving the Books and Videos on Services Standard 2. Preparing the Service Measurement Application System 3. Completion of Guidelines for Standardization of Physical Aspects (Premises) 4. Implementing Service Culture Development, including physical aspects on 8 pilot outlets 5. Evaluating the Implementation of 8 pilot outlets 6. Quick Win Program to Achieve MRI Best 10

a. 2012-2013 as “The Best Ten in Service” year with the target of becoming the top 10 commercial bank in Indonesia and top 10 in the MRI version of services scoring index. b. 2013-2014 as “The Best Seven in Service” year with the target of becoming the top 7 commercial bank in Indonesia and top 7 in the MRI version of services scoring index. c. 2014-2015 as “The Best Five in Service” year with the target of becoming the top 5 commercial bank in Indonesia and top 5 in the MRI version of services scoring index.

2013

“The Best Ten In Service”

1. Implementasi Pengembangan Budaya Layanan di seluruh outlet bank bjb 2. Implementasi standarisasi aspek fisik (Premises) di seluruh outlet bank bjb 3. Evaluasi Implementasi Pengembangan Budaya Layanan di seluruh outlet bank bjb 4. Terciptanya service culture 5. Program Quick Win Pencapaian 7 Besar MRI 1. Implementing Service Culture Development in all of bank bjb outlets 2. Implementing the Standardization of Physical Aspects (Premises) in all of bank bjb outlets 3. Evaluating the Implementation of Service Culture Development in all of bank bjb outlets 4. The establishment of service culture 5. Quick Win Program to Achieve MRI Best 7

2014

“The Best Ten In Service”

1. Sustainability Program Pengembangan Budaya Layanan 2. Sustainability Service Culture 3. Perbaikan Business Process 4. Program Quick Win Pencapaian 5 Besar MRI 1. Sustainability Program for Service Culture Development 2. Sustainability Service Culture 3. Improving Business Process 4. Quick Win Program to Achieve MRI Best 5

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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TANGGUNG JAWAB SOSIAL PERUSAHAAN

Pelaksanaan Kegiatan Pada Tahun 2013, bank bjb melakukan implementasi budaya layanan dan aspek premises di seluruh outlet bank bjb dengan melakukan monitoring per semester di seluruh kantor cabang. Kegiatan tersebut dilakukan Divisi Jaringan dan Layanan.

Implementation Activities In 2013, bank bjb conducts the implementation of the services culture and the premises aspect in all bank bjb by performing supervision semi annually in all branches. The activity was conducted by the Networks and Services Division.

Untuk meningkatkan kualitas pelayanan di seluruh outlet bank bjb, Divisi Jaringan dan Layanan melakukan Kegiatan apresiasi atau penghargaan kepada karyawan, yaitu program BBSEA (bank bjb Service Excellence Award). Kegiatan ini diadakan rutin setiap tahun, sebagai wujud penghargaan kepada para frontliner (teller, customer service, satpam), dan supervisor.

To improve the quality of service in all outlets of bank bjb, the Network and Services Division conducts the awards or appreciation activities to employees, namely the BBSEA (bank bjb Service Excellence Award) program. This activity is held regularly every year, as a form of tribute to the frontliner (tellers, customer service, security guards), and supervisors.

Seleksi program BBSEA dilakukan mulai dari tahap seleksi awal di kantor cabang masing-masing. Kemudian, seleksi tingkat wilayah yang meliputi aspek soft competency (kemampuan berkomunikasi/tes lisan dan kualitas data) dan hard competency (roleplay, tes tulis, performance), dan seleksi tingkat nasional yang meliputi pemberian training classical, table manner, tes roleplay, dan persentase hasil benchmarking. Sedangkan pengumuman pemenang dilaksanakan pada acara awarding BBSEA.

The selection for the BBSEA program is carried out TUBSUJOH GSPN UIF JOJUJBM TFMFDUJPO JO FBDI CSBODI PGmDF Then, regional selection, covering aspects of soft competency (the ability to communicate/oral test and data quality) and hard competency (roleplay, written tests, performance), and the national selection which includes providing classical training, table manner, roleplay test, and the percentage of benchmarking results. The winner announcement is conducted at the BBSEA awarding ceremony.

Selain penghargaan dari kategori frontliner dan supervisor, saat awarding diumumkan pula penghargaan pelayanan bagi CBDLPGmDF terbaik, cleaning service terbaik, cabang pelayanan terbaik kategori Pemda dan Non-Pemda, serta KCP pelayanan terbaik.

In addition to the award for the frontliner and supervisors category, during the award, the best services for back PGmDF CFTUDMFBOJOHTFSWJDFT CFTUCSBODITFSWJDFTJOUIF Government and Non Gevernment category, as well as CFTUTVCCSBODIPGmDFXFSFBMTPBOOPVODFE

Untuk mendukung kegiatan peningkatan pelayanan kepada nasabah, Divisi Jaringan dan Layanan melakukan evaluasi pelayanan melalui: a. BSEM (Bank Service Excellence Monitoring). b. External mystery shopping untuk mengukur performa layanan dan memperoleh gambaran mengenai customer experience terhadap actual service delivery dari layanan bank bjb. c. Self Assessment. d. Monitoring/pendampingan. e. Customer Satisfaction Index.

To support the improvement of services to customers, the Network and Services Division perform evaluation services through: a. BSEM (Bank Service Excellence Monitoring). b. External mystery shopping to measure the performance of the service and obtain a descrition of the customer experience to the actual service delivery of bank bjb services c. Self Assessment. d. Monitoring/mentoring. e. Customer satisfaction Index.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

607 CORPORATE SOCIAL RESPONSIBILITY

Dampak Keuangan/Biaya dari pelaksanaan kegiatan Pelaksanaan kegiatan tanggung jawab perusahaan kepada para konsumen tidak memiliki dampak keuangan karena dana untuk kegiatan ini telah dianggarkan pada tahun yang bersangkutan dan sesuai dengan Rencana Bisnis Bank.

Finance/Cost Impact of Implementation Activities The implementation of CSR activities to the customer do OPUIBWFBOZmOBODJBMJNQBDUCFDBVTFUIFGVOETGPSUIJT activity has been budgeted in the relevant year and in accordance with the Bank’s Business Plan.

Perlindungan Nasabah

Customers Protection

1. Keberadaan Pusat Pengaduan Konsumen Sistem Pengaduan Konsumen merupakan salah satu bentuk peningkatan perlindungan nasabah dalam rangka menjamin hak-hak nasabah dalam berhubungan dengan bank. Pengaduan nasabah harus diselesaikan dengan baik karena apabila tidak diselesaikan dengan baik oleh bank berpotensi menjadi perselisihan atau sengketa yang pada akhirnya akan dapat merugikan nasabah dan atau bank. Saat ini bank bjb telah memiliki sistem pengaduan konsumen yang terpadu melalui beberapa saluran pengaduan seperti: - Pengaduan secara lisan adalah Pengaduan yang diajukan secara langsung termasuk melalui telepon termasuk melalui sarana bjb call 14049 - Pengaduan secara tertulis adalah pengaduan yang diajukan melaui surat termasuk sarana/media seperti e-mail, faksimili atau sarana elektronik lainnya, serta media massa yang dilengkapi dengan identitas pengadu yang jelas, untuk menghindari penanganan pengaduan tertulis tanpa identitas/surat kaleng.

1. Presence of Customer Complaint Center The Consumer Complaint System is a means to improve customer protection in order to secure consumers’ rights when dealing with the bank. Customer complaints need immediate and appropriate resolutions as they have all potentials to generate disputes between customers and the bank when not properly responded. Currently, bank bjb has an integrated system of consumer complaints through several channels such as: - Verbal Complaints, which are verbally and directly delivered to the bank, including through the facility bjb call 14049 - Written complaints, usually expressed in a letter including through e-mail, facsimile or other electronic means, and other media that have facilities for clear identity of the complainant, to avoid the handling written complaints that are submitted anonymously/ by irresponsible person.

2. Uraian Mengenai Tindak Lanjut Terhadap Pengaduan a. Pengaduan secara lisan Pengaduan secara lisan wajib diselesaikan paling lambat 2 (dua) hari kerja secara kumulatif sejak tanggal penerimaan pengaduan, jika diperlukan perpanjangan waktu wajib diselesaikan paling lama 20 (dua puluh) hari kerja sejak tanggal penerimaan pengaduan. b. Pengaduan secara tertulis Pengaduan secara tertulis wajib diselesaikan paling lama 20 (dua puluh) hari kerja sejak tanggal penerimaan pengaduan atau dapat diperpanjang jangka waktunya sampai dengan paling lama 20 (dua puluh) hari kerja berdasarkan pertimbangan sebagai berikut:

2. Description of Complaint Handling Follow Up a. Verbal complaints A verbal complaints shall be resolved no later than 2 (two) working days since the date of receipt, and when deemed necessary, a time extension of 20 working days to settle an unresolved complaint since the receipt of the complaint shall be set. b. Written Complaints A written complaint shall be settled no later than 20 (twenty) working days from the date of receipt with extension period up to 20 (twenty) working days when the followings occur:

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

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TANGGUNG JAWAB SOSIAL PERUSAHAAN

1. Kantor Cabang yang menerima pengaduan tidak sama dengan Kantor Cabang tempat terjadinya permasalahan yang diadukan dan terdapat kendala komunikasi diantara kedua Kantor Cabang tersebut; 2. Transaksi keuangan yang diadukan oleh nasabah dan atau perwakilan nasabah memerlukan penelitian khusus terhadap dokumen-dokumen bank; 3. Terdapat hal-hal lain yang berada di luar kendali Bank seperti adanya keterlibatan pihak ketiga di luar Bank dalam transaksi keuangan yang dilakukan nasabah.

1. When a customer submits complaint to a different branch from that where his/her dissatisfaction has taken place, and there has been communication problem between the two branches; 2. When a customer or a customer’s reresentative TVCNJUT B DPNQMBJOU DPOUBJOJOH mOBODJBM JTTVFT that need special examination on certain bank documents; 3. When there are other matters beyond the Bank’s control such as an involvement of third parties in UIFSFMFWBOUDVTUPNFSTmOBODJBMUSBOTBDUJPOT

3. Penyelesaian Pengaduan yang Diterima Apabila ada perpanjangan waktu penyelesaian pengaduan nasabah wajib diberitahukan secara tertulis kepada nasabah atau perwakilan nasabah yang mengajukan pengaduan. Pemberitahuan secara tertulis mencantumkan alasan perpanjangan jangka waktu penyelesaian pengaduan. Kantor Cabang yang menerima pengaduan nasabah berkewajiban menyampaikan surat pemberitahuan perpanjangan waktu penyelesaian pengaduan kepada nasabah serta berkoordinasi dengan Divisi Jaringan dan Pengembangan Layanan karena hal tersebut akan mempengaruhi pelaporan Bank Umum ke Bank Indonesia terkait pengaduan nasabah yang dilakukan oleh Divisi Jaringan dan Pengembangan Layanan setiap triwulan.

3. Complaint Settlement In the event settlement of a complaint needs time extension, the relevant customer or representative of UIF DVTUPNFS TIBMM CF OPUJmFE JO XSJUJOH 5IF XSJUUFO OPUJmDBUJPOTIBMMBMTPFYQMBJOUIFSFBTPOTCFIJOETVDIUJNF FYUFOTJPO5IFCSBODIPGmDFXIJDISFDFJWFEUIFDPNQMBJOU from the customer or its representative is obliged to submit the letter of time extension to the customer as well as coordinating with the Network and Service Development Division, in which this matter will affect the quarterly reporting of Commercial Bank to Bank Indonesiarelated to the customer’s complaint conducted quarterly by the Network and Service Development Division.

Evaluasi Layanan bjb Call 14049 Periode Januari 2014 s.d. Desember 2014

Evaluation of the Services in bjb Call 14049 in the Period of January 2014 to December 2014

No

.ODVLÀNDVL&ODVLÀFDWLRQ

Januari / January

Februari/ February

Maret/ March

April/ April

Mei/ May

Juni/ June

6,997

5,544

6,960

9,387

8942

8,036

3.89%

2.42%

5.36%

5.19%

6.06%

3.63%

I

Penerimaan Layanan Telepon di bjb Call 14049/ Calls Offered in bjb Call 14049

Ii

Panggilan Tak Terangkat/ Calls Abandon

Iii

Informasi Saldo & 5 Transaksi terakhir via IVR/ Balance Information & 5 Last Transaction via IVR

7,558

7,389

12,496

26,427

16,878

12,661

Iv

Komplain Saldo ATM Terdebet/ Complain over ATM Debit Balances

180

120

174

156

174

176

V

Permintaan Blokir ATM/ Request to Block ATM

559

518

564

601

720

624

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

609 CORPORATE SOCIAL RESPONSIBILITY

No

Juli/ July

.ODVLÀNDVL&ODVLÀFDWLRQ

Agustus/ August

September/ September

Oktober/ October

November/ November

Desember/ December

I

Penerimaan Layanan Telepon di bjb Call 14049/ Calls Offered in bjb Call 14049

10,760

11,395

9,916

9835

10,619

15,867

Ii

Panggilan Tak Terangkat/ Calls Abandon

5.25%

7.78%

5.90%

3.48%

6.56%

10.43%

Iii

Informasi Saldo & 5 Transaksi terakhir via IVR/ Balance Information & 5 Last Transaction via IVR

24,780

17,106

16,620

20,017

27,130

32,078

Iv

Komplain Saldo ATM Terdebet/ Complain over ATM Debit Balances

243

139

194

165

127

304

V

Permintaan Blokir ATM/ Request to Block ATM

860

733

652

808

864

966

D. PENGELOLAAN KETENAGAKERJAAN

D. EMPLOYMENT MANAGEMENT

Kesehatan dan Keselamatan Kerja (K3)

Occupational Health and Safety (K3)

Untuk menjamin kelangsungan bisnisnya secara baik, bank bjb memiliki program Kesehatan dan Keselamatan Kerja yang terintegrasi di seluruh jaringan kantornya. Hal ini penting karena keselamatan dan kesehatan kerja dari setiap insan bank bjb pada akhirnya juga akan menjamin kepentingan para stakeholdernya.

To ensure the continuity of the business, bank bjb conducts an Occupational Health and Safety program UIBU JT JOUFHSBUFE UISPVHIPVU JUT PGmDF OFUXPSL 5IJT JT important because the work health and safety of every member of bank bjb will ultimately ensure the interests of its stakeholders.

•

•

•

Kesehatan

Health

bank bjb berkomitmen secara serius untuk menciptakan lingkungan kerja yang sehat, aman dan nyaman bagi setiap karyawannya. Demi menunjang hal tersebut, bank bjb menyediakan Klinik Kesehatan di setiap Kantor Wilayah. Setiap karyawan dapat memanfaatkan fasilitas tersebut secara mudah, sehingga kinerja mereka dapat terjaga dengan baik tanpa hambatan yang berarti.

bank bjb is seriously committed to create a work environment that is healthy, safe and comfortable for every employee. In supporting this, bank bjb provides B)FBMUI$MJOJDJOFBDI3FHJPOBM0GmDF&BDIFNQMPZFF can easily use these facilities, so that their performance can be maintained without major obstacles.

Klinik Kesehatan yang tersebar di seluruh jaringan wilayah kerja bank bjb tersebut telah dilengkapi dengan fasilitas dan kelengkapan yang memadai dan juga tenaga-tenaga medis yang andal.

Health clinics are spread throughout the bank bjb’s working area and have been equipped with adequate facilities and support, as well as reliable medical personnel.

Keselamatan Kerja Di tahun 2014, bank bjb melanjutkan program keselamatan kerja di seluruh jaringan kantornya. Program tersebut antara lain meliputi program pelatihan pencegahan dan penanganan kebakaran maupun gempa bumi.

•

Safety In 2014, bank bjb continued its occupational safety QSPHSBN BDSPTT JUT PGmDF OFUXPSL 4VDI QSPHSBN included the training program on the prevention and IBOEMJOHPGmSFBOEFBSUIRVBLF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

610

TANGGUNG JAWAB SOSIAL PERUSAHAAN

Untuk mendukung hal di atas, kantor-kantor bank bjb juga menyediakan fasilitas-fasilitas pendukung seperti: 1. Menerbitkan Buku Panduan Keselamatan 2. Membangun dan menyediakan rambu-rambu keselamatan, evakuasi dan petunjuk siaga. 3. Menyediakan meeting point khusus 4. Menyediakan jendela pada setiap tangga darurat 5. Menguji coba hidrant secara berkala 6. Memperbaharui alat pemadam kebarakaran setiap 6 bulan sekali. 7. Membentuk tim/regu penanganan keadaan darurat di setiap unit bisnisnya.

•

Program lainnya bank bjb juga memberikan pelatihan bagi karyawannya dalam hal Penanganan Pertama pada Kecelakaan, bila terdapat karyawan yang tiba-tiba sakit atau kecelakaan. Selain itu, juga diberikan pelatihan untuk menangani kondisi darurat yang diakibatkan adanya gerakan demonstarsi dari pihak luar bank bjb.

To support the above, bank bjbTPGmDFTBMTPQSPWJEF supporting fasilistas such as: 1. Publish a Handbook on Safety 2. Establish and provide safety signs, evacuation and safety guide. 3. Provide special meeting point 4. Provide windows on each emergency stairs 5. Periodically test the hidrant  3FOFXmSFFYUJOHVJTIFSTPODFFWFSZNPOUIT 7. Form a special team to handle emergencies in every business unit.

•

Other Programs bank bjb also provides training for its employees on First Aid, if there is an employee who suddenly fall ill or experience an accident. In addition, employees are also given the training to handle emergency situations caused by the demonstration by parties outside bank bjb.

Serikat Karyawan (Sekar)

Employees Union (Sekar)

Dalam rangka menjamin dan menciptakan hubungan kerja yang harmonis, dinamis, berkeadilan dan kondusif antara Bank dan Pegawai sehingga dapat mendorong peningkatan kinerja Bank, kinerja pegawai dan kesejahteraan pegawai yang selaras dengan pelaksanaan visi, misi dan nilai-nilai budaya Bank serta dapat menciptakan peningkatan produktivitas dan usaha Bank yang berkesinambungan maka Bank memiliki Serikat Pekerja yang terdaftar pada Dinas Tenaga Kerja dan Transmigrasi Kota Bandung dengan nomor bukti pencatatan No. 250/Sekar.BJ/2007-CTT.221Disnaker/2007 yang dikenal dengan Serikat Karyawan (Sekar) bank bjb.

In order to ensure and create a working relationship that is harmonious, dynamic, equitable and conducive between the Bank and Employees so as to encourage improvement on the Bank’s performance, employees’ performance and employees’ well-being in line with the implementation of the vision, mission and values of the Bank’s culture and to create increased productivity and sustainable banking business, the Bank has a registered its Employee Union JOUIF0GmDFPG.BOQPXFSBOE5SBOTNJHSBUJPO UIFDJUZPG Bandung with registration No. 250/Sekar.BJ/2007-CTT.221Disnaker/2007 known as Employees Union (Sekar) of bank bjb.

Yayasan Kesejahteraan Pegawai

Employee Welfare Foundation

bank bjb memiliki komitmen penuh untuk dapat terus meningkatkan kesejahteraan para pegawainya. Salah satu upaya tersebut adalah dengan memiliki Yayasan Kesejahteraan Pegawai (YKP) Bank Jabar Banten.

bank bjb is fully committed to continue to improve the welfare of its employees. One of the efforts is having the employee welfare foundation, namely Yayasan Kesejahteraan Pegawa (YKP) Bank Jabar Banten.

YKP Bank Jabar Banten bergerak dibidang sosial dan kemanusiaan untuk meningkatkan kesejahteraan peserta program yang memenuhi persyaratan. Untuk mencapai

YKP Bank Jabar Banten is engaged in social and humanitarian programs to improve the well-being of the participants of the program who meet the requirements.

bank bjb Laporan Tahunan 2014

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

611 CORPORATE SOCIAL RESPONSIBILITY

maksud dan tujuan, kegiatan YKP Bank Jabar Banten adalah melaksanakan: 1. Program Tunjangan Hari Tua Program ini memberikan manfaat berupa pemberian tunjangan hari tua bagi para pegawai bank bjb ketika memasuki masa pensiun/berhenti dari Bank. Sumber dana program ini berasal dari iuran pegawai dan iuran perusahaan. 2 Program Bantuan Dana Kesehatan (Pensiunan) Program bantuan dana kesehatan ini diperuntukan bagi peserta yang menjalani rawat inap di rumah sakit pemerintah dan swasta, sedangkan rawat inap di klinik kesehatan/herbal/alternatif dan berobat jalan tidak dibiayai program ini. Peserta adalah penerima bantuan yaitu mantan direksi para pensiunan pegawai bank bjb beserta istri dan anak yang masih menjadi tanggungan yang terdaftar di dana pensiun bank bjb. 3. Program Layanan Kesehatan (Karyawan Aktif) Program layanan kesehatan ini merupakan layanan administratif bagi peserta yang menjalani rawat jalan dan rawat inap di rumah sakit pemerintah dan swasta. Peserta adalah direksi para pegawai bank bjb beserta istri dan anak yang masih menjadi tanggungan yang terdaftar di divisi SDM bank bjb. Sumber dana program ini berasal bank bjb yang diadministrasikan sebagai dana titipan.

To achieve its objectives, the activities performed by YKP Bank Jabar Banten include: 1. Annuities Program  5IJT QSPHSBN QSPWJEFT CFOFmUT TVDI BT PMEBHF allowance for employees of bank bjb when entering retirement/stop working at the Bank. The source of funding of this program is the employees’ and company’s contributions. 2. Health Assistance Program (Retired) The health assistance program is intended for participants who are hospitalized in government and private hospitals. Meanwhile hospitalization at a health clinic/herbal/alternative and outpatient treatments re not funded by this program. Participants are CFOFmDJBSJFT  OBNFMZ GPSNFS EJSFDUPST PG CBOL bjb, employees and retired employees as well as his/ her spouse and dependent children, who are still enrolled in the pension fund of bank bjb. 3. Health Services Program (Active Employees) This Health care program includes administrative services for participants who undergo outpatient and inpatient treatments at government and private hospitals. Participants are directors of the Bank, employees of bank bjb and his/her spouse and dependent children, who are still enrolled in the human resources division of bank bjb. The source of funding of this program comes from bank bjb administered as funds deposited.

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

612

TANGGUNG JAWAB SOSIAL PERUSAHAAN

4. Program Pendidikan Program ini bertujuan membantu pemerintah daerah dalam menyediakan sarana pendidikan. Sumber dana program ini berasal sumbangan bank bjb. YKP Bank Jabar Banten mendirikan telah mendirikan sebuah perguruan tinggi, yaitu STIE EKUITAS, yang memiliki program studi Management (S1), Akuntansi (S1 & D3) serta Keuangan dan Perbankan (D3). 5. Program Bantuan lainnya. Program-program lain yang lebih bersifat sosial untuk para peserta, termasuk juga membantu organisasi non kedinasan seperti IKAPEN.

bank bjb Laporan Tahunan 2014

4. Education Program This program aims to assist local governments in providing educational facilities. The source of funding of this program comes from bank bjb’s donations. YKP Bank Jabar Banten has established a college, namely STIE EKUITAS, with program of study including Management (S1), Accounting (S1 & D3) and the Finance and Banking (D3). 5. Other Assistance Programs. Other programs which are more social for its QBSUJDJQBOUT  JODMVEJOH UIF BTTJTUBODF UP OPOPGmDJBM organizations such as IKAPEN.

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT Stock & Obligation Highlights .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Management Discussion & Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Consolidated Financial Statements Corporate Data

613 CORPORATE SOCIAL RESPONSIBILITY

Laporan Keuangan Konsolidasian Consolidated Financial Statements

bank bjb Annual Report 2014

614

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

616

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance Corporate Social Responsibility $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

617

bank bjb Annual Report 2014

618

bank bjb Laporan Tahunan 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO Tanggung Jawab Sosial Perusahaan -BQPSBO,FVBOHBO,POTPMJEBTJBO %BUB1FSVTBIBBO



The original consolidated financial statements included herein are in the Indonesian language. 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1326,6,.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHU 'LVDMLNDQGDODPMXWDDQ5XSLDK NHFXDOLGLQ\DWDNDQODLQ     



  



     

 



  

 



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) ),1$1&,$/326,7,21 $VRI'HFHPEHU ([SUHVVHGLQPLOOLRQVRI5XSLDK XQOHVVRWKHUZLVHVWDWHG   

'HVHPEHU    'HFHPEHU



 

 &DWDWDQ   1RWHV 



619





 'HVHPEHU  'HFHPEHU



















$6(7 





 



 



 $66(76

Kas

2.767.678

2a,2d,4

2.595.260

Cash

Giro pada Bank Indonesia

5.177.942

2a,2d,2e,5

4.454.108

Current accounts with Bank Indonesia

Giro pada bank lain - pihak ketiga

128.604

176.979

Current accounts with other banks third parties -

Cadangan kerugian penurunan nilai

2a,2d,2e 2m,6

(62)

(91)

128.542 Penempatan pada Bank Indonesia dan bank lain - pihak ketiga Cadangan kerugian penurunan nilai

176.888 2a,2d,2f, 2m,7

4.764.263

2.629.337

(3.154)

(352)

4.761.109

Surat berharga - pihak ketiga

7.125.371

2d,2g, 2m,9

568.461

2d,2h,2m,10

Wesel ekspor dan tagihan lainnya - pihak ketiga

19.555

2d,2i, 2m,11

Cadangan kerugian penurunan nilai

Pembiayaan syariah dan piutang syariah - setelah dikurangi margin ditangguhkan - pihak-pihak berelasi - pihak ketiga

873.083 48.743.915

2d,2k,2m,2af 12,43

-

Marketable securities purchased under agreements to resell

44.721

Bills and other receivables third parties -

929.529 44.379.051

Loans related parties third parties -

(1.588.837)

(1.019.520)

48.028.161

44.289.060

2l,2m,2af, 13,43

(99.147)

18.435

2.248 3.591.512

Allowance for impairment losses

Sharia financing and receivables after deducted by margin unamortized related parties third parties -

3.593.760 (62.094)

4.300.969 Tagihan akseptasi

Marketable securities third parties -

45.308.580

4.400.116 Cadangan kerugian penurunan nilai

Allowance for impairment losses

10.291.810

49.616.998

4.400.116

Placements with Bank Indonesia and other banks third parties -

2.628.985

Efek-efek yang dibeli dengan janji dijual kembali

Kredit yang diberikan - pihak-pihak berelasi - pihak ketiga

Allowance for impairment losses

Allowance for impairment losses

3.531.666 2d,2m,2n,14

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

33.235

Acceptance receivables

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 1 bank bjb Annual Report 2014





The original consolidated financial statements included herein are in the Indonesian language. 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1326,6,.(8$1*$1 .2162/,'$6,$1 ODQMXWDQ  7DQJJDO'HVHPEHU 'LVDMLNDQGDODPMXWDDQ5XSLDK NHFXDOLGLQ\DWDNDQODLQ 

620

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) ),1$1&,$/326,7,21 FRQWLQXHG  $VRI'HFHPEHU ([SUHVVHGLQPLOOLRQVRI5XSLDK XQOHVVRWKHUZLVHVWDWHG 

   

 



   

 





 



$6(7 ODQMXWDQ 



'HVHPEHU    'HFHPEHU

 &DWDWDQ   1RWHV 

 'HVHPEHU  'HFHPEHU

















 



 



Penyertaan saham - pihak-pihak berelasi

31.984

Cadangan kerugian penurunan nilai

(4.236)

(7.569)

27.748

24.415

Aset tetap setelah dikurangi akumulasi penyusutan masing-masing sebesar Rp753.707 dan Rp655.626 pada tanggal 31 Desember 2014 dan 2013

1.044.844

Aset pajak tangguhan - neto

6.959

Bunga yang masih akan diterima

452.642

Aset lain-lain - neto 727$/$6(7

2d,2m,2o,2af 15,43

1.408.121 

2p,16 2ac,26c 2d,17 2d,2m,2q, 2r,2s,18

 



Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

Investment in shares related parties Allowance for impairment losses

699.069

Fixed assets net of accumulated depreciation of Rp753,707 and Rp655,626, as of December 31, 2014 and 2013, respectively

5.819

Deferred tax assets - net

418.360

Interest receivables

1.764.837

Other assets - net



727$/$66(76

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 2 bank bjb Laporan Tahunan 2014

 

31.984

 $66(76 FRQWLQXHG 





The original consolidated financial statements included herein are in the Indonesian language. 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1326,6,.(8$1*$1 .2162/,'$6,$1 ODQMXWDQ  7DQJJDO'HVHPEHU 'LVDMLNDQGDODPMXWDDQ5XSLDK NHFXDOLGLQ\DWDNDQODLQ    

 





 

   

 







 



/,$%,/,7$6'$1$6<,5.$+ 7(0325(5'$1(.8,7$6     /,$%,/,7$6

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) ),1$1&,$/326,7,21 FRQWLQXHG  $VRI'HFHPEHU ([SUHVVHGLQPLOOLRQVRI5XSLDK XQOHVVRWKHUZLVHVWDWHG 

621



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 /,$%,/,7,(67(0325$5< 6<,5.$+)81'$1'(48,7<



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Liabilitas segera

1.812.382

Simpanan nasabah - pihak-pihak berelasi - pihak ketiga

 'HVHPEHU  'HFHPEHU

2d,2t,19 2d,2u,2af 20,43

16.845.043 36.273.757 53.118.800

Simpanan nasabah - Syariah - pihak-pihak berelasi - pihak ketiga

1.945.539

Obligations due immediately

11.769.248 35.104.913

Deposits from customers related parties third parties -

46.874.161 2u,2af,20,43

Simpanan dari bank lain - pihak-pihak berelasi - pihak ketiga

260 346.280

369.090

346.540 2d,2v2af 21,43

136.608 3.172.022

4.946.725

-

Efek-efek yang dijual dengan janji dibeli kembali

Deposits from other banks related parties third parties -

144.875 4.801.850

3.308.630 Liabilitas derivatif

Deposits from customers - Sharia related parties third parties -

439 368.651

2d,2j,8

90

Derivatives payable

2.978.073

Marketable securities sold under agreements to repurchase

2d,2w,22 2.062.916

Liabilitas akseptasi Efek hutang yang diterbitkan - neto Pinjaman yang diterima - pihak ketiga

18.435

2d ,2n,14

33.235

Acceptances payable

1.721.901

1f,2d,2x,23

2.396.611

Debt securities issued - net

324.337

Borrowings third parties -

2d, 24 456.490

Estimasi kerugian komitmen dan kontinjensi

2.130

2an,25

1.498

Estimated losses on commitments and contingencies

105.751

2ac,26a

101.676

Taxes payable

Liabilitas pajak tangguhan - neto

20.373

2ac,26c

23.971

Deferred tax liabilities - net

Bunga yang masih harus dibayar

121.606

2d,27

124.776

Interest payable

Liabilitas lain-lain

766.221

2d,2ad,28

799.593

Other liabilities

 



Hutang pajak

7RWDOOLDELOLWDV



'DQDV\LUNDKWHPSRUHU Bukan bank - pihak-pihak berelasi - pihak ketiga



Bank - pihak ketiga 7RWDOGDQDV\LUNDKWHPSRUHU



 



7RWDOOLDELOLWLHV

 2u,2af,29,43 



7HPSRUDU\V\LUNDKIXQG Non-bank related parties third parties -

5.047 4.248.094

5.774 2.770.132

4.253.141

2.775.906

615.064

567.237

  



Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

 



Bank third parties 7RWDOWHPSRUDU\V\LUNDKIXQG

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 3 bank bjb Annual Report 2014

 



The original consolidated financial statements included herein are in the Indonesian language. 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1326,6,.(8$1*$1 .2162/,'$6,$1 ODQMXWDQ  7DQJJDO'HVHPEHU 'LVDMLNDQGDODPMXWDDQ5XSLDK NHFXDOLGLQ\DWDNDQODLQ 

622

  

 





 

   

 







 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) ),1$1&,$/326,7,21 FRQWLQXHG  $VRI'HFHPEHU ([SUHVVHGLQPLOOLRQVRI5XSLDK XQOHVVRWKHUZLVHVWDWHG 



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Ekuitas yang dapat diatribusikan kepada pemilik entitas induk

(48,7< Equity attributable to equity holders of the parent entity

Modal saham nilai nominal Rp250 (nilai penuh) per saham Modal dasar: Seri A - 9.600.000.000 saham Seri B - 6.400.000.000 saham Modal ditempatkan dan disetor penuh: Seri A - 7.272.218.666 saham Seri B - 2.424.072.500 saham

2.424.073

Tambahan modal disetor

823.423

2ak

Share capital Rp250 (full amount) par value per share Authorized capital: Class A - 9,600,000,000 shares Class B - 6,400,000,000 shares

30

2.424.073

Issued and fully paid capital: Class A - 7,272,218,666 shares Class B - 2,424,072,500 shares

823.423

Additional paid in capital

2ai,31

Saldo laba - telah ditentukan penggunaannya - belum ditentukan penggunaannya

2.661.163 1.134.377

2al 2.041.782 1.394.943

Retained earnings appropriated unappropriated -

Total ekuitas yang dapat diatribusikan kepada pemilik entitas induk

7.043.036

6.684.221

Total equity attributable to equity holders of the parent entity

34.044

Non-controlling interest

Kepentingan non-pengendali

40.571

2b,44



 



 



7RWDOHTXLW\

727$//,$%,/,7$6'$1(.8,7$6 

 



 



727$//,$%,/,7,(6$1'(48,7<

7RWDOHNXLWDV

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 4 bank bjb Laporan Tahunan 2014



The original consolidated financial statements included herein are in the Indonesian language.

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1/$%$58*,.2035(+(16,) .2162/,'$6,$1 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO 'HVHPEHU 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) &2035(+(16,9(,1&20( )RU7KH
623

7DKXQ\DQJEHUDNKLUSDGDWDQJJDO'HVHPEHU
   

 

 

 

 

 

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%(%$1%81*$'$1 %$*,+$6,/6<$5,$+

 

8.791.820   (4.330.222)

 2z,35

  

8.132.988  (3.350.845)

,17(5(67(;3(16($1' 6+$5,$352),76+$5,1*

3(1'$3$7$1%81*$ '$16<$5,$+1(72

 

   

 

   

 

1(7,17(5(67 $1'6+$5,$,1&20(

 2aa,2k,2c,   2g,36  



27+(523(5$7,1*,1&20( Non-loan related fees and commissions

%(%$123(5$6,21$//$,11<$

228.990

2aa,34

 



Beban umum dan administrasi Beban tenaga kerja dan tunjangan Penyisihan kerugian penurunan nilai atas aset keuangan dan non keuangan - neto Kerugian yang belum direalisasi dari perubahan nilai wajar surat berharga - neto Penyisihan kerugian komitmen dan kontinjensi Lain-lain

/$%$23(5$6,21$/   3(1'$3$7$1 %(%$1  12123(5$6,21$/ Pendapatan non-operasional Beban non-operasional

8.562.830

  2z,34

 

3(1'$3$7$1 %81*$'$16<$5,$+ Pendapatan bunga dan syariah Pendapatan provisi dan komisi pembiayaan syariah

 3(1'$3$7$123(5$6,21$/ /$,11<$  Provisi dan komisi selain dari kredit yang diberikan Penerimaan kembali kredit yang telah dihapus buku Keuntungan transaksi valuta asing - neto Keuntungan dari penjualan surat berharga yang diperdagangkan - neto Keuntungan yang belum direalisasi dari perubahan nilai wajar surat berharga - neto Lain-lain

   

 

   

  8.096.294 36.694

282.644

268.719

132.418

136.140

23.683

32.636

2.761

1.926

67.934 56.464

17.837

565.904

457.258

 2ab,2ad,2m,  2g,2q,37 (1.320.527) (1.320.129)

,17(5(67$1'6+$5,$ ,1&20( Interest and sharia income Sharia financing fees and commission income

Recoveries from loans written-off Gain from foreign exchange transactions - net Gain on sale of held-for-trading marketable securities - net Unrealized gain on changes in fair value of marketable securities - net Others

 (1.256.991) (1.265.943)

(662.681)

(616.067)

-

(56.585)

(631) (307.699)

(65) (291.819)

(3.611.667)

(3.487.470)

27+(523(5$7,1*(;3(16(6 General and administrative expenses Salaries and employee benefits Provision for impairment losses on financial and non-financial assets - net Unrealized loss on changes in fair value of marketable securities - net Provision for losses on commitments and contingencies Others



 



 



23(5$7,1*,1&20(

 

   

  38 38

   

 

12123(5$7,1*,1&20( (;3(16(6  Non-operating income Non-operating expenses

37.984 (15.329) 22.655

27.497 (26.554) 943

  Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 5 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1/$%$58*,.2035(+(16,) .2162/,'$6,$1 ODQMXWDQ  8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO 'HVHPEHU 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

624

 















37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172) &2035(+(16,9(,1&20( FRQWLQXHG  )RUWKH


7DKXQ\DQJEHUDNKLUSDGDWDQJJDO'HVHPEHU
   

 

 

/$%$6(%(/80 %(%$13$-$.

 

 

 

 

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,1&20(%()25( 7$;(;3(16(

   2ac,26b  

 

7$;(;3(16(1(7

   

 



%(%$13$-$.1(72



 /$%$7$+81%(5-$/$1  Pendapatan komprehensif lain



 



 



,1&20()257+(<($5



 



 



Other comprehensive income

727$//$%$.2035(+(16,) 7$+81%(5-$/$1

 

    



 



   



 

727$/&2035(+(16,9(,1&20( )257+(<($5 



   

   1.116.095 3.940

  

  

     

44

 

 ,1&20()257+(<($5 $775,%87$%/(72 Equity holders of the parent entity Non-controlling interest





   1.372.913 3.474

 



727$/



 





/$%$7$+81%(5-$/$1 <$1*'$3$7',$75,%86,.$1 .(3$'$   Pemilik entitas induk Kepentingan non-pengendali 727$/

  





727$//$%$.2035(+(16,)  <$1*'$3$7',$75,%86,.$1   .(3$'$         Pemilik entitas induk  Kepentingan non-pengendali

      1.116.095 3.940  



 

727$/

 



 

 

















 /$%$3(56$+$0'$6$5    <$1*'$3$7',$75,%86,.$1  .(3$'$3(0,/,.  (17,7$6,1'8.  1,/$,3(18+   

 













      























 







 



727$/





   

   









     

%$6,&($51,1*63(56+$5( $775,%87$%/(72(48,7< +2/'(562)7+( 3$5(17(17,7< )8//$02817 

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 6 bank bjb Laporan Tahunan 2014



1.372.913 3.474 

                                 

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.



 

 

         2ae,42



727$/&2035(+(16,9(  ,1&20()257+(<($5  $775,%87$%/(72 Equity holders of the parent entity Non-controlling interest 

   







 



             



             



             





















33 2ag,33 2ag



33 2ag,33 2ag























             







 



 

-

-

 



                      0RGDO   GLWHPSDWNDQ   GDQGLVHWRU   SHQXK   ,VVXHGDQGIXOO\   SDLGFDSLWDO  















 

-

-

   

   











  

619.381 -

 

521.592 -

-

 



 



 



 



7

  

(619.381 ) (757.280 ) 1.116.095

  

(521.592 ) (663.845 ) 1.372.913

-













 7RWDOHNXLWDV  HTXLW\

 



 



(2.365) 3.940

4.952





  

(1.482) 3.474

(1.635 )





 

(757.280) (2.365) 1.120.035

4.952



(663.845) (1.482) 1.376.387

(1.635)











 

 

  

 







  

%DODQFHDVRI'HFHPEHU

Change in non-controlling interest Distribution of 2013 income: General reserve Cash dividends Dividend of subsidiary Total comprehensive income for the year

%DODQFHDVRI'HFHPEHU

Change in non-controlling interest Distribution of 2012 income: General reserve Cash dividends Dividend of subsidiary Total comprehensive income for the year

%DODQFHDVRI'HFHPEHU

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 

(757.280) 1.116.095

 

(663.845) 1.372.913 

  -

The original consolidated financial statements included herein are in the Indonesian language.

37%$1.3(0%$1*81$1'$(5$+-$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172)&+$1*(6,1(48,7< )RUWKH
                         (TXLW\      \DQJGDSDW  GLDWULEXVLNDQ      NHSDGDSHPLOLN      HQWLWDVLQGXN  (TXLW\  DWWULEXWDEOHWR   .HSHQWLQJDQ   HTXLW\KROGHUV   QRQSHQJHQGDOL    RIWKHSDUHQW   1RQFRQWUROOLQJ    HQWLW\   LQWHUHVW 

  

              6DOGRODED5HWDLQHGHDUQLQJV       7HODKGLWHQWXNDQ  %HOXPGLWHQWXNDQ   SHQJJXQDDQQ\D   SHQJJXQDDQQ\D    $SSURSULDWHG   8QDSSURSULDWHG  

         

 

    7DPEDKDQ PRGDO GLVHWRU $GGLWLRQDO SDLGLQ FDSLWDO

             

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

6DOGR'HVHPEHU



Perubahan kepentingan non-pengendali Pembagian laba tahun 2013: Cadangan umum Dividen kas Dividen entitas anak Total laba komprehensif tahun berjalan

6DOGR'HVHPEHU





                                     &DWDWDQ   1RWHV 

37%$1.3(0%$1*81$1'$(5$+-$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$13(58%$+$1(.8,7$6.2162/,'$6,$1 8QWXN7DKXQ\DQJ%HUDNKLU3DGD7DQJJDO 'HVHPEHU 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

Perubahan kepentingan non-pengendali Pembagian laba tahun 2012: Cadangan umum Dividen kas Dividen entitas anak Total laba komprehensif tahun berjalan

6DOGR'HVHPEHU



             



625

bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1$586.$6.2162/,'$6,$1 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO 'HVHPEHU 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

626

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172)&$6+)/2:6 )RUWKH
7DKXQ\DQJEHUDNKLUSDGDWDQJJDO'HVHPEHU
   

 

 

$586.$6'$5,$.7,9,7$6 23(5$6,

 

 



 

 



8.150.042 (3.353.821) (1.205.041) (1.172.631)

435.520

322.170

132.418 (310.055)

136.140 (341.726)

(310.240)

(367.536)

1.780.092

(10.399.769)

26.094

461.964 (10.789.251) 191.740 (456.327)

184.404

5.162.483 793.028 1.788.919 (1.590.268) (14.800) 9.213 (8.877)

2.660.169  

   

 

7.928

Income tax paid

Net cash provided by (used in) operating activities

(176.670) 22.679

(133.157)

Interest and sharia income fees and commissions received Interest expenses paid Employee expenses paid General and administrative expenses paid Receipts from other operating income Recoveries from loan debts written - off Other expenses paid

1.906.616 3.160.294 (5.678.228) (1.265.684) (191.738) 26.528 36.307

(14.202) 25.166

(5.171.974) 14.800 (6.348)

&$6+)/2:6)520 23(5$7,1*$&7,9,7,(6

Receipts from cash before changes in operating assets and liabilities Decrease (increase) in operating assets: Marketable securities Bills and other receivables Placement with Bank Indonesia and other banks Loans and sharia financing Acceptances receivable Other assets Increase (decrease) in operating liabilities: Obligations due immediately Deposits: Current accounts Savings account Time deposits Deposits from other banks Acceptances payable Other liabilities Taxes payable

2.167.597

   

  6.116

&$6+)/2:6)520 ,19(67,1*$&7,9,7,(6 Cash dividends received

3.205.583 (78.288)

(6.065.951) (52.991)

(568.461) 75

11.567.261 2.053

Payment of matured (purchase of) held to maturity marketable securities - net Acquisitions of fixed assets Marketable securities purchased under agreement to resell Additional investments in shares Proceeds from sale of fixed assets

5.456.488

Net cash provided by investing activities

16

2.566.837

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

8 bank bjb Laporan Tahunan 2014

 

(1.222.446)

Arus kas neto diperoleh dari (digunakan untuk) aktivitas operasi

Arus kas neto diperoleh dari aktivitas investasi

 &DWDWDQ   1RWHV 

8.732.718 (4.332.101) (1.345.722)

Penerimaan kas sebelum perubahan dalam aset dan liabilitas operasi Penurunan (kenaikan) dalam aset operasi: Surat Berharga Wesel ekspor dan tagihan lainnya Penempatan pada Bank Indonesia dan bank lain Kredit yang diberikan dan pembiayaan syariah Tagihan akseptasi Aset lain-lain Kenaikan (penurunan) dalam liabilitas operasi: Liabilitas segera Simpanan: Giro Tabungan Deposito berjangka Simpanan dari bank lain Liabilitas akseptasi Liabilitas lain-lain Hutang pajak

Penerimaan dividen kas Pembayaran atas jatuh tempo (pembelian) surat berharga yang dimiliki hingga jatuh tempo - neto Pembelian aset tetap Efek-efek yang dibeli dengan janji dijual kembali Penambahan penyertaan saham Hasil penjualan aset tetap

 



Penerimaan bunga dan syariah, provisi dan komisi Pembayaran bunga Pembayaran beban karyawan Pembayaran beban umum dan administrasi Penerimaan dari pendapatan operasional lainnya Penerimaan kredit yang telah dihapusbuku Pembayaran beban lainnya Pembayaran pajak penghasilan

$586.$6'$5,$.7,9,7$6 ,19(67$6,

 



The original consolidated financial statements included herein are in the Indonesian language.

 37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ /$325$1$586.$6.2162/,'$6,$1 ODQMXWDQ  8QWXN7DKXQ\DQJ%HUDNKLU3DGD7DQJJDO 'HVHPEHU 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 &2162/,'$7('67$7(0(172)&$6+)/2:6 FRQWLQXHG  )RUWKH
627

7DKXQ\DQJEHUDNKLUSDGDWDQJJDO'HVHPEHU
   

 

 

$586.$6'$5,$.7,9,7$6 3(1'$1$$1 Penerimaan (pembayaran) dari efek-efek yang dijual dengan janji dibeli kembali Penerimaan dari pinjaman yang diterima Penambahan modal entitas anak dari kepentingan non pengendali Pembayaran dividen kas Pelunasan efek hutang yang diterbitkan Arus kas neto diperoleh dari (digunakan untuk) aktivitas pendanaan

 

 

 

 

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(915.157)

  1.055.277

132.153

93.177

(757.280)

500 (663.845)

33

(676.000)  

 

-

 

 

&$6+)/2:6)520 ),1$1&,1*$&7,9,7,(6 Proceeds from (repayment of) marketable securities sold under agreements to repurchase Proceeds from borrowings Additional paid-up capital of subsidiaries from non-controlling interest Cash dividends paid Repayment of debt securities issued Net cash provided by (used in) financing activities

.(1$,.$1 3(18581$1 1(72 .$6'$16(7$5$.$6  .$6'$16(7$5$.$6 3$'$$:$/7$+81  '$03$.%(56,+3(58%$+$1 1,/$,78.$5$7$6.$6'$1 6(7$5$.$6

 

   

 

   

  

1(7,1&5($6( '(&5($6( ,1 &$6+$1'&$6+(48,9$/(176

 

   

 

   

 

&$6+$1'&$6+(48,9$/(176 $7%(*,11,1*2)<($5

  

       

  



     



  

1(7())(&72)&+$1*(6 ,1(;&+$1*(5$7(21&$6+ $1'&$6+(48,9$/(176

.$6'$16(7$5$.$6 3$'$$.+,57$+81

 

   

 

   

 

&$6+$1'&$6+(48,9$/(176 $7(1'2)<($5

.DVGDQVHWDUDNDVSDGDDNKLU  WDKXQWHUGLULGDUL Kas

 

    2.767.678

  4

   

  2.595.260

5.177.942

5

4.454.108

128.604

6

176.979

&DVKDQGFDVKHTXLYDOHQWVDW HQGRIWKH\HDUFRQVLVWHGRI Cash Current accounts with Bank Indonesia Current accounts with other banks



 







Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain jangka waktu jatuh tempo tiga bulan atau kurang sejak tanggal perolehan 7RWDONDVGDQVHWDUDNDV



4.764.541 

 



7 

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian ini secara keseluruhan.



2.603.400  





Placements with Bank Indonesia and other banks maturing within three months or less since the acquisition date 7RWDOFDVKDQGFDVKHTXLYDOHQWV

The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as whole.

 9 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

628

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,1)250$6,8080 D 3HQGLULDQGDQLQIRUPDVLXPXP%DQN



 *(1(5$/,1)250$7,21



D (VWDEOLVKPHQW DQG JHQHUDO LQIRUPDWLRQ DERXWWKH%DQN

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (“Bank”) didirikan berdasarkan Peraturan Pemerintah No. 33 tahun 1960 tentang penentuan perusahaan milik Belanda di Indonesia yang dikenakan nasionalisasi. Salah satu perusahaan milik Belanda yang berkedudukan di Bandung yaitu N.V. Denis (De Eerste Nederlandsche Indische Shareholding) terkena ketentuan tersebut dan diserahkan kepada Pemerintah Daerah Provinsi Daerah Tingkat I Jawa Barat. Bank telah mulai beroperasi secara komersial pada tanggal 20 Mei 1961.

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (the “Bank”) was established based on the Government Regulation No. 33 year 1960 regarding the nationalization of a Dutch-owned company domiciled in Indonesia. The regulation applied to a Dutch owned company, N.V. Denis (De Eerste Nederlandsche Indische Shareholding), which was then handed over to the Regional Government of West Java Province Level I. The Bank started its commercial operations on May 20, 1961.

Sebagai tindak lanjut dari Peraturan Pemerintah No. 33 tahun 1960, Pemerintah Daerah Provinsi Daerah Tingkat I Jawa Barat mendirikan Bank Karya Pembangunan, dengan Akta Notaris Noezar No. 152 tanggal 21 Maret 1961 dan No. 184 tanggal 13 Mei 1961 yang kemudian dikukuhkan dengan Surat Keputusan Gubernur Provinsi Jawa Barat No. 7/GKDN/BPD/61 tanggal 20 Mei 1961 dengan nama PD Bank Karya Pembangunan Daerah Jawa Barat. Berdasarkan Peraturan Daerah Provinsi Jawa Barat No. 11/PD-DPRD/72 tanggal 27 Juni 1972, kedudukan hukum PD Bank Karya Pembangunan Daerah Jawa Barat dikukuhkan sebagai Perusahaan Daerah yang berusaha di bidang perbankan. Selanjutnya, melalui Peraturan Daerah Provinsi Jawa Barat No. 1/DP-40/PD/1978 tanggal 27 Juni 1978, nama PD Bank Karya Pembangunan Daerah Jawa Barat diubah menjadi Bank Pembangunan Daerah Jawa Barat. Bank Pembangunan Daerah Jawa Barat mendapat sebutan “Bank Jabar” dan logo baru berdasarkan Peraturan Daerah No. 11 tahun 1995.

Following the Government Regulation No. 33 year 1960, the Regional Government of West Java Province Level I established Bank Karya Pembangunan, as covered by Notarial Deeds No. 152 dated March 21, 1961 and No. 184 dated May 13, 1961 of Noezar which was approved based on Decision Letter of the Governor of West Java Province No. 7/GKDN/BPD/61 dated May 20, 1961, using the name of PD Bank Karya Pembangunan Daerah Jawa Barat. Based on Provincial Government Regulation No. 11/PDDPRD/72 dated June 27, 1972 of West Java Province, the legal status of PD Bank Karya Pembangunan Daerah Jawa Barat was changed to become a Regional Enterprise engaged in a banking business. Subsequently, based on Provincial Government Regulation No. 1/DP-40/PD/1978 dated June 27, 1978 of West Java Province, PD Bank Karya Pembangunan Daerah Jawa Barat changed its name to Bank Pembangunan Daerah Jawa Barat. Bank Pembangunan Daerah Jawa Barat obtained its trade name of “Bank Jabar” and a new logo based on Provincial Government Regulation No. 11 year 1995.

Berdasarkan surat keputusan Direksi Bank Indonesia No. 25/84/KEP/DIR tanggal 2 Nopember 1992, Bank memperoleh status sebagai bank devisa.

Based on the Decision Letter No. 25/84/KEP/DIR dated November 2, 1992 of the Directors of Bank Indonesia, the Bank obtained the status of a foreign exchange bank.

Penyesuaian bentuk badan hukum Bank menjadi Perseroan Terbatas dinyatakan dalam Akta Notaris No. 4 tanggal 8 April 1999 yang dibuat di hadapan Notaris Popy Kuntari Sutresna, S.H., M. Hum., yang telah mendapatkan pengesahan dari Menteri Kehakiman dengan Surat Keputusan No. C27103.HT.01.01.TH.99 tanggal 16 April 1999 dan diumumkan dalam Berita Negara Republik Indonesia No. 39 tanggal 14 Mei 1999.

The change in the Bank’s legal status to a Limited Liability Corporation was stated under Notarial Deed No. 4 dated April 8, 1999 of Popy Kuntari Sutresna, S.H., M. Hum., which was approved by the Minister of Justice in its Decision Letter No. C2-7103.HT.01.01.TH.99 dated April 16, 1999 and was published in the State Gazette No. 39 dated May 14, 1999 of the Republic of Indonesia. 10

bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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 ,1)250$6,8080 ODQMXWDQ 

 *(1(5$/,1)250$7,21 FRQWLQXHG 

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Pada tanggal 12 September 2007, nama Bank diubah menjadi PT Bank Pembangunan Daerah Jawa Barat dan Banten berdasarkan pengesahan dari Menteri Kehakiman dan Hak Asasi Manusia melalui surat No. W8-02673 HT.01.04-TH.2007. Berdasarkan Surat Keputusan Direksi No. 1065/SK/DIR PPN/2007 tanggal 29 Nopember 2007, Bank mengubah penyebutan nama menjadi “Bank Jabar Banten”.

On September 12, 2007, the name of the Bank was changed to PT Bank Pembangunan Daerah Jawa Barat dan Banten based on the approval of the Minister of Justice and Human Rights in its letter No. W8-02673 HT.01.04TH.2007. Based on the Bank’s of Board Directors’ Decision Letter No. 1065/SK/DIR PPN/2007 dated November 29, 2007, the Bank changed its call name to “Bank Jabar Banten”.

Berdasarkan Surat Bank Indonesia No.12/78/APBU/Bd tanggal 30 Juni 2010 perihal Rencana Perubahan Logo Bank, serta Surat Keputusan Direksi Nomor.1337/SK/DIR-PPN/2010 tanggal 5 Juli 2010 tentang Perubahan Logo dan Penyebutan Nama serta pemberlakuan Brand Identity Guidelines, maka pada tanggal 2 Agustus 2010 perubahan penyebutan nama “Bank Jabar Banten” menjadi “bank bjb” secara resmi diubah.

Based on the letter of Bank Indonesia No.12/78/APBU/Bd dated June 30, 2010 regarding the Amendment Plan of the Bank’s logo, as well as Board of Directors’ Decision Letter No.1337/SK/DIR-PPN/2010 dated July 5, 2010 regarding the Amendment of Call name and Logo enforcement of Brand Identity Guidelines on August 2, 2010, the change in call name of “Bank Jabar Banten to “bank bjb” was officially changed.

Anggaran Dasar PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk sebagaimana tertuang di Akta Pendirian No. 4 tanggal 8 April 1999 dan Perbaikan Akta Pendirian Perseroan No. 8 tanggal 15 April 1999 yang telah beberapa kali diubah dan terakhir diubah dengan Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar biasa PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk No. 75 tanggal 25 Juli 2011 yang telah diberitahukan dengan Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sebagaimana dimaksud dalam surat penerimaan Pemberitahuan Perubahan Anggaran Dasar No. AHU.01.10.26872 tanggal 18 Agustus 2011.

The Articles of Association of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk as stated in the Deed of Establishment No. 4 dated April 8, 1999 and Establishment Deed Amendment No. 8 dated April 15, 1999, have been amended several times with the latest update based on the Minutes of the Shareholders’ Extraordinary General Meeting of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk as covered in the Notarial Deed No. 75 dated July 25, 2011 which notified by approval of the Ministry of Justice and Human Rights of the Republic of Indonesia as mentioned in the acceptance letter of Amendment of Articles of the Association No. AHU 01.10.26872 dated August 18, 2011.

E 0DNVXGGDQWXMXDQ Berdasarkan pasal 3 Anggaran Dasar, Bank didirikan dengan maksud dan tujuan untuk berusaha di bidang perbankan. Untuk mencapai maksud dan tujuan tersebut, ruang lingkup kegiatan Bank antara lain adalah:

E 3XUSRVHDQGREMHFWLYHV 

According to article 3 of the Bank's Articles of Association, the Bank's objective is to engage in the banking business. To achieve this objective, the scope of the Bank’s activities is mainly the following: - to collect public funds in the form of demand deposits, time deposits, certificates of deposits, savings and/or other similar forms;

- menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito berjangka, sertifikat deposito, tabungan dan/atau bentuk lainnya yang dipersamakan dengan itu; 11

bank bjb Annual Report 2014

629

The original consolidated financial statements included herein are in the Indonesian language.

 

630

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Berdasarkan pasal 3 Anggaran Dasar, Bank didirikan dengan maksud dan tujuan untuk berusaha di bidang perbankan. Untuk mencapai maksud dan tujuan tersebut, ruang lingkup kegiatan Bank antara lain adalah (lanjutan):



According to article 3 of the Bank's Articles of Association, the Bank's objective is to engage in the banking business. To achieve this objective, the scope of the Bank’s activities is mainly the following (continued):

- memberikan kredit; - menempatkan dana pada, meminjam dana dari, atau meminjamkan dana kepada bank lain, baik dengan menggunakan surat, sarana telekomunikasi maupun dengan wesel unjuk, cek atau sarana lainnya; dan - melakukan kegiatan penyertaan modal pada bank atau perusahaan dibidang jasa keuangan lainnya atau mendirikan perusahaan baru sepanjang sesuai dengan ketentuan yang berlaku; - Melakukan kegiatan dalam valuta asing dan atau bertindak sebagai Bank Devisa dengan memenuhi ketentuan yang ditetapkan oleh yang berwenang.



- to grant loans; - to place fund in, obtain borrowings from, or provide financing to other banks, either by letter, telecommunication facilities, sight letters of credit (L/C), cheque or other facilities; and - to conduct investment activities through share participation in banks or other financial institution companies or establish a new institution in accordance with the prevailing regulation; - to conduct activities in foreign currency transactions and or serve as foreign exchange Bank in compliance with the regulation prescribed by the authority.

Selain itu, sebagai bank pembangunan daerah, Bank juga membantu Pemerintah Provinsi, Kota/Kabupaten se-Jawa Barat dan Banten dalam membina Bank Perkreditan Rakyat (BPR) dan institusi jasa keuangan lainnya milik Pemerintah Provinsi, Kota/Kabupaten se-Jawa Barat dan Banten yang sebagian sahamnya dimiliki oleh Bank, atau Bank sama sekali tidak memiliki saham namun diminta untuk membantu pembinaan BPR dimaksud.



In addition, as a regional development bank, the Bank also assists the Provincial Government, Municipality/Regency of West Java and Banten in developing Rural Banks (BPR) and other financial service institutions owned by the Provincial Government, Municipality/Regency of West Java and Banten where the Bank has or does not have the shares but the Bank is requested to assist in developing the BPR.

F -DULQJDQNDQWRU

F 2IILFHQHWZRUN The Bank’s head office is located at Menara bank bjb, Jalan Naripan No. 12-14, Bandung 40111.

Bank berkantor pusat di Menara bank bjb yang terletak di Jalan Naripan No. 12-14, Bandung 40111. 

Pada tanggal 31 Desember 2014, Bank memiliki 62 kantor cabang, 312 kantor cabang pembantu, 318 kantor kas dan 133 payment point (31 Desember 2013: 62 kantor cabang, 304 kantor cabang pembantu, 155 kantor kas dan 107 payment point).

12 bank bjb Laporan Tahunan 2014

As of December 31, 2014, the Bank has 62 branch offices, 312 sub-branches, 318 cash offices and 133 payment points (December 31, 2013: 62 branch offices, 304 sub-branches, 155 cash offices and 107 payment points).

631 631

bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

632

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G ([HFXWLYHPDQDJHPHQW FRQWLQXHG  As of December 31, 2014, the Bank’s Corporate Secretary Head is Agus Mulyana, based on Director Decision Letter No.049/SK/DIR-SDM/2014 dated February 3, 2014, while as of December 31, 2013, the Bank’s Corporate Secretary Head is Sofi Suryasnia, based on Director Decision Letter No.695/SK/DIR-SDM/2012 dated November 26, 2012.

Pada tanggal 31 Desember 2014, Kepala Divisi Sekretaris Perusahaan adalah Agus Mulyana, sesuai dengan Surat Keputusan Direksi No.049/SK/DIR-SDM/2014 tanggal 3 Februari 2014, sedangkan pada tanggal 31 Desember 2013 Kepala Divisi Sekretaris Perusahaan Bank adalah Sofi Suryasnia, sesuai dengan Surat Keputusan Direksi No.695/SK/DIRSDM/2012 tanggal 26 November 2012

As of December 31, 2014, the Bank’s Internal Audit Head is Hendi Rochendi, based on Director Decision Letter No.007/SK/DIRSDM/2014 dated January 3, 2014, while as of December 31, 2013, the Bank’s Internal Audit Head is Toto Susanto, based on Director Decision Letter No. 624/SK/DIR-SDM/2012 dated November 7, 2012.

Pada tanggal 31 Desember 2014, Kepala Divisi Audit Internal Bank adalah Hendi Rochendi, sesuai dengan Surat Keputusan Direksi No.007/SK/DIR-SDM/2014 tanggal 3 Januari 2014, sedangkan pada tanggal 31 Desember 2013 Kepala Divisi Audit Internal Bank adalah Toto Susanto, sesuai dengan Surat Keputusan Direksi No.624/SK/DIR-SDM/2012 tanggal 7 November 2012 Susunan Dewan Komite Audit Bank pada tanggal 31 Desember 2014 berdasarkan Surat Keputusan Dewan Komisaris No.001/SKDK/2014 tanggal 22 Januari 2014, Surat Keputusan Direksi No.022/SK/DIR-CS/2014 tanggal 24 Januari 2014, Surat Keputusan Direksi No.0751/SK/DIR-CS/2014 tanggal 3 Oktober 2014, Surat Keputusan Direksi No.752/SK/DIR-CS/2014 tanggal 3 Oktober 2014. Sedangkan Susunan Dewan Komite Audit Bank pada tanggal 31 Desember 2013 berdasarkan Surat Keputusan Dewan Komisaris No.001/SK/DK/2013 tanggal 23 Januari 2013, Surat Keputusan Direksi No.456/SK/DIR-SDM/2011 tanggal 5 Agustus 2011, Surat Keputusan Direksi No.438/SK/DIR-SDM/2014 tanggal 3 Agustus 2012, dan Surat Keputusan Direksi No.439/SK/DIR-SDM/2012 tanggal 3 Agustus 2012 adalah sebagai berikut: 'HVHPEHUGDQ .RPLWH$XGLW Ketua Anggota Anggota Anggota Anggota Anggota





'HFHPEHUDQG

 Klemi Subiyantoro Achmad Baraba Rudhyanto Mooduto Ramson Sinaga Memed Sueb Suwarta

Pada tanggal 31 Desember 2014 dan 2013, Bank memiliki karyawan masing-masing sebanyak 7.021 dan 6.395 orang (tidak diaudit).



14 bank bjb Laporan Tahunan 2014

The composition of the Bank’s Audit Committee as of December 31, 2014 based on the Board of Commissioners’ Decision No. 001/SK-DK/2014, dated January 22, 2014, the Board of Directors’ Decision Letter No. 022/SK/DIR-CS/2014 dated January 24, 2014 the Board of Directors’ Decision Letter No. 0751/SK-DIR/2014 dated October 3, 2014, and the Board of Directors’ Decision Letter No. 0752/SK-DIR/2014 dated October 3, 2014. Whereas the composition of the Bank’s Audit Committee as of December 31, 2013, based on the Board of Commissioners’ Decision No. 001/SK/DK/2013, dated January 23, 2013, the Board of Directors’ Decision Letter No. 456/SK/DIR-SDM/2011 dated August 5, 2011, the Board of Directors’ Decision Letter No. 438/SK-DIR/2014 dated August 3, 2012, and the Board of Directors’ Decision Letter No. 439/SK/DIR-SDM/2012 dated August 3, 2012, are as follows:



$XGLW&RPPLWWHH Chairman Member Member Member Member Member

As of December 31, 2014 and 2013, the Bank has 7,021 and 6,395 employees, respectively (unaudited).

The original consolidated financial statements included herein are in the Indonesian language.

 

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 ,1)250$6,8080 ODQMXWDQ 



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I



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Pada tahun 2010, Bank menawarkan 2.424.072.500 saham, atau 25% dari jumlah saham Bank, kepada masyarakat pada harga penawaran sebesar Rp600 (nilai penuh) per saham. Saham yang ditawarkan merupakan saham Seri B dengan harga nominal Rp250 (nilai penuh) per lembar saham.

In 2010, the Bank offered 2,424,072,500 shares, or 25% of the total Bank’s shares, to the public at an offering price of Rp600 (full amount) per share. The offering shares are Class B shares with a nominal value of Rp250 (full amount) per share..

Pada tahun 2010, Bank menawarkan 2.424.072.500 saham, atau 25% dari jumlah saham Bank, kepada masyarakat pada harga penawaran sebesar Rp600 (nilai penuh) per saham. Saham yang ditawarkan merupakan saham Seri B dengan harga nominal Rp250 (nilai penuh) per saham. Total penerimaan dari penawaran umum tersebut sebesar Rp1.454.443. Selisih lebih antara harga penawaran per saham dengan nilai nominal per saham dicatat sebagai “Tambahan Modal Disetor”, yang disajikan pada bagian Ekuitas pada laporan posisi keuangan konsolidasian. Berdasarkan surat dari Bapepam-LK No. S5901/BL/2010 tanggal 29 Juni 2010, pendaftaran saham Bank di pasar modal dinyatakan efektif.

In 2010, the Bank offered 2,424,072,500 shares, or 25% of the total Bank’s shares, to the public at an offering price of Rp600 (full amount) per share. The offering shares are Class B shares with a nominal value of Rp250 (full amount) per share. The total proceed of this public offering amounted to Rp1,454,443. The excess of the share offer price over the par value per share was recognized as “Additional Paid in Capital”, which is presented under the Equity section of the consolidated statements of financial position. Based on a letter from Bapepam-LK No. S-5901/BL/2010 dated June 29, 2010, the registration of the Bank’s shares in the capital market was declared effective.

Pada tanggal 8 Juli 2010, saham Bank secara resmi telah tercatat di Bursa Efek Indonesia. Jumlah saham Bank yang tercatat di Bursa Efek Indonesia sebanyak 2.424.072.500 saham seri B atau 25% dari jumlah saham Bank.

On July 8, 2010, the Bank’s shares have been officially listed on the Indonesia Stock Exchange. Total shares of the Bank listed on the Indonesia Stock Exchange were 2,424,072,500 class B shares or 25% of the total Bank’s shares.

3HQDZDUDQXPXPREOLJDVL

I

3XEOLFRIIHULQJRIERQGV The Bank conducted several public offerings of bonds as follows:

Bank melakukan beberapa penawaran umum obligasi sebagai berikut:   2EOLJDVL,%DQN-DEDU  Obligasi I Bank Jabar diterbitkan tanggal 8 Juli 1991 dengan nilai nominal Rp25.000 dan tingkat bunga mengambang. Obligasi ini memiliki jangka waktu lima tahun dan telah jatuh tempo pada tanggal 8 Juli 1996. Obligasi ini ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 15 Juli 1991 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 11 Juni 1991.



%DQN-DEDU%RQGV,



Bank Jabar Bonds I were issued on July 8, 1991 with a nominal value of Rp25,000 and floating interest rate. The bonds had a five years term and matured on July 8, 1996. The bonds were offered at its nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 15, 1991 and became effective based on the Bapepam-LK decision letter dated June 11, 1991.

15 bank bjb Annual Report 2014

633

The original consolidated financial statements included herein are in the Indonesian language.

 

634

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 ,1)250$6,8080 ODQMXWDQ  I



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 *(1(5$/,1)250$7,21 FRQWLQXHG  I

2EOLJDVL,,%DQN-DEDU

3XEOLFRIIHULQJRIERQGV FRQWLQXHG  

Bank Jabar Bonds II were issued on July 2, 1993 with a nominal value of Rp50,000 and floating interest rate. The bonds had a five years term and matured on July 2, 1998. The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 15, 1993 and became effective based on Bapepam-LK decision letter dated June 11, 1993.

Obligasi II Bank Jabar diterbitkan tanggal 2 Juli 1993 dengan nilai nominal Rp50.000 dan tingkat bunga mengambang. Obligasi ini memiliki jangka waktu lima tahun dan jatuh tempo pada tanggal 2 Juli 1998. Obligasi ini ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 15 Juli 1993 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 11 Juni 1993. 

2EOLJDVL,,,%DQN-DEDU



%DQN-DEDU%RQGV,,, Bank Jabar Bonds III were issued on April 18, 2000 with a nominal value of Rp150,000 and a fixed interest rate for the first six months of 16.25% per annum and floating interest rate for the rest of the interest payment. The bonds had a five years term and matured on April 18, 2005. The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on April 25, 2000 and became effective based on Bapepam-LK decision letter dated March 27, 2000.

Obligasi III Bank Jabar diterbitkan tanggal 18 April 2000 dengan nilai nominal Rp150.000 dan tingkat bunga tetap pada enam bulan pertama sebesar 16,25% per tahun dan suku bunga mengambang untuk pembayaran bunga selanjutnya. Obligasi ini memiliki jangka waktu lima tahun dan jatuh tempo pada tanggal 18 April 2005. Obligasi ini ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 25 April 2000 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 27 Maret 2000. 

%DQN-DEDU%RQGV,,

2EOLJDVL,9%DQN-DEDU



%DQN-DEDU%RQGV,9

Obligasi IV Bank Jabar diterbitkan tanggal 5 Oktober 2004, terdiri dari:

Bank Jabar Bonds IV were issued on October 5, 2004, and consisted of:

%

Seri A dengan nilai nominal Rp300.000, tingkat suku bunga tetap 11,75% per tahun yang dibayarkan setiap tiga bulan, jangka waktu selama tiga tahun sampai dengan tanggal 5 Oktober 2007;

%

Series A with a nominal value of Rp300,000; a fixed interest rate of 11.75% per annum due on a quarterly basis; and a three years term up to October 5, 2007;

%

Seri B dengan nilai nominal Rp700.000, tingkat suku bunga tetap 12,50% per tahun yang dibayarkan setiap tiga bulan, jangka waktu selama lima tahun dan jatuh tempo pada tanggal 5 Oktober 2009.

%

Series B with a nominal value of Rp700,000; a fixed interest rate of 12.50% per annum due on a quarterly basis and a five years term up to October 5, 2009.

16 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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%DQN-DEDU%RQGV,9 FRQWLQXHG The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on October 6, 2005 and became effective based on Bapepam-LK decision letter dated September 24, 2005.

Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 6 Oktober 2005 dan dinyatakan efektif berdasarkan surat keputusan BapepamLK pada tanggal 24 September 2005. 



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Obligasi V Bank Jabar diterbitkan pada tanggal 8 Desember 2006 dengan nilai nominal Rp1.000.000, tingkat suku bunga tetap sebesar 11,25% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama lima tahun dan telah jatuh tempo pada tanggal 8 Desember 2011.

Bank Jabar Bonds V were issued on December 8, 2006 with a nominal value of Rp1,000,000; a fixed interest rate of 11.25% per annum due on a quarterly basis and a five years term up to December 8, 2011.

Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 11 Desember 2006 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 27 November 2006.

The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on December 11, 2006 and became effective based on Bapepam-LK decision letter dated November 27, 2006.

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Obligasi VI Bank Jabar diterbitkan pada tanggal 10 Juli 2009 terdiri dari:

Bank Jabar Bonds VI were issued on July 10, 2009, and consisted of:

%

Seri A dengan nilai nominal Rp350.000, tingkat suku bunga tetap sebesar 12,00% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tiga tahun dan akan jatuh tempo pada tanggal 10 Juli 2012. Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 13 Juli 2009 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 30 Juni 2009.

%

Series A with a nominal value of Rp350,000; a fixed interest rate of 12.00% per annum due on a quarterly basis; and a three years term up to July 10, 2012. The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 13, 2009 and became effective based on Bapepam-LK decision letter dated June 30, 2009.

%

Seri B dengan nilai nominal Rp400.000, tingkat suku bunga tetap sebesar 12,50% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama lima tahun dan akan jatuh tempo pada tanggal 10 Juli 2014.

%

Series B with a nominal value of Rp400,000; a fixed interest rate of 12.50% per annum due on a quarterly basis; and a five years term up to July 10, 2014.

17 bank bjb Annual Report 2014

635

The original consolidated financial statements included herein are in the Indonesian language.

 

636

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Obligasi VI Bank Jabar diterbitkan pada tanggal 10 Juli 2009 terdiri dari (lanjutan):

Bank Jabar Bonds VI were issued on July 10, 2009, and consisted of (continued):

Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 13 Juli 2009 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 30 Juni 2009 (Catatan 23).

The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 13, 2009 and became effective based on Bapepam-LK decision letter dated June 30, 2009 (Note 23).

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Pada tanggal 10 Februari 2011, Bank menerbitkan Obligasi VII bank bjb. Obligasi ini ditawarkan sebesar nilai nominal, dicatatkan di Bursa Efek Indonesia dan dinyatakan efektif berdasarkan surat keputusan BapepamLK pada tanggal 31 Januari 2011 (Catatan 23).

On February 10, 2011, the Bank issued bank bjb Bonds VII. The bonds were offered at their nominal value, listed in the Indonesia Stock Exchange and became effective based on Bapepam-LK Decision Letter dated January 31, 2011 (Note 23).

Obligasi VII bank bjb terdiri dari:

Bank bjb Bonds VII consisted of:

%

Seri A dengan nilai nominal Rp276.000, tingkat suku bunga tetap sebesar 9,2% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tiga tahun dan akan jatuh tempo pada tanggal 9 Februari 2014.

%

Series A with nominal value of Rp276,000; fixed interest rate of 9.2% per annum due on a quarterly basis; and a three-year term up to February 9, 2014.

%

Seri B dengan nilai nominal Rp601.000, tingkat suku bunga tetap sebesar 10,2% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama lima tahun dan akan jatuh tempo pada tanggal 9 Februari 2016.

%

Series B with nominal value of Rp601,000; fixed interest rate of 10.2% per annum due on a quarterly basis; and a five-year term up to February 9, 2016.

%

Seri C dengan nilai nominal Rp1.123, tingkat suku bunga tetap sebesar 10,4% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tujuh tahun dan akan jatuh tempo pada tanggal 9 Februari 2018.

%

Series C with nominal value of Rp1,123; fixed interest rate of 10.4% per annum due on a quarterly basis; and a seven-year term up to February 9, 2018.

Bank bjb Bonds VII are not guaranteed by specific collateral, other than general collateral in the form of all the Bank’s assets (Note 23).

Obligasi VII bank bjb tidak dijamin dengan jaminan khusus, tetapi dijamin dengan seluruh harta kekayaan Bank (Catatan 23). 18 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pendirian PT Bank Jabar Banten Syariah (“BJBS”) merupakan hasil pemisahan (spin off) dari Unit Usaha Syariah PT Bank Pembangunan Daerah Jawa Barat dan Banten (“UUS Bank Jabar Banten”) menjadi Bank Syariah berdasarkan Pernyataan Persetujuan Pemegang Saham PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk yang tertuang dalam Akta Notaris No. 3 oleh notaris Fathiah Helmi, S.H., tanggal 15 Januari 2010.

The establishment of PT Bank Jabar Banten Syariah (the “BJBS”) resulted from the spin-off of the Sharia Business Unit of PT Bank Pembangunan Daerah Jawa Barat dan Banten (“UUS Bank Jabar Banten”) to Sharia General Bank based on the Shareholders’ Approval of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk which was stated by Notarial Deed No. 3 of Fathiah Helmi, S.H., dated January 15, 2010.

BJBS didirikan pada tanggal 15 Januari 2010 berdasarkan Akta Notaris No. 4 oleh notaris Fathiah Helmi, S.H., dan akta pendirian ini telah disahkan oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dalam Surat Keputusan No. AHU-04317.AH.01.01.Tahun 2010 tentang Pengesahan Badan Hukum Perseroan tanggal 26 Januari 2010. Bank Indonesia telah memberikan izin usaha kepada BJBS berdasarkan Surat Keputusan Gubernur Bank Indonesia No. 12/35/KEP.GBI/2010 tanggal 30 April 2010.

BJBS was established on January 15, 2010 based on Notarial Deed No. 4 of Fathiah Helmi, S.H. and has been approved by the Ministry of Laws and Human Rights through its Decision Letter No. AHU-04317.AH.01.01. Year 2010 concerning the Approval of Legal Corporation dated January 26, 2010. Bank Indonesia has issued the operational license to BJBS based on the Decision Letter of the Governor of Bank Indonesia No. 12/35/KEP.GBI/2010 dated April 30, 2010.

BJBS telah melaporkan tanggal efektif pelaksanaan kegiatan usaha kepada Bank Indonesia dan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia masing-masing melalui surat No. 022/DIRBJBS/2010 tanggal 7 Mei 2010 dan No. 018/DIR-BJBS/2010 tanggal 3 Mei 2010. BJBS menetapkan tanggal 5 Mei 2010 sebagai tanggal cut off untuk laporan posisi keuangan dan telah mulai beroperasi sejak tanggal tersebut. Pada tanggal 31 Desember 2014 dan 2013, Bank mempunyai kepemilikan langsung masing-masing sebesar 97,70% pada BJBS.

BJBS has reported the effective date of the implementation of its business activity to Bank Indonesia and Ministry of Laws and Human Rights of the Republic of Indonesia through its letters No. 022/DIRBJBS/2010 dated May 7, 2010 and No. 018/Dir-BJBS/2010 dated May 3, 2010, respectively. BJBS determined May 5, 2010 as the cut off date for the balance sheet and started its operation since that date. As of December 31, 2014 and 2013, the Bank has 97.70% of direct ownership in BJBS, respectively.

19 bank bjb Annual Report 2014

637

The original consolidated financial statements included herein are in the Indonesian language.

 

638

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Kantor pusat BJBS berlokasi di Jl. Braga No.135, Bandung. Pada tanggal 31 Desember 2014, BJBS memiliki 8 kantor cabang, 52 kantor cabang pembantu, 1 kantor kas, dan 4 gerai syariah dengan jumlah karyawan sebanyak 949 orang (31 Desember 2013: 8 kantor cabang, 50 kantor cabang pembantu, 2 kantor kas, dan 3 gerai syariah dengan jumlah karyawan sebanyak 764 orang) (tidak audit). BJBS memiliki total aset sebesar Rp6.090.944 dan Rp4.695.088 masing-masing pada tanggal 31 Desember 2014 dan 2013, dan total pendapatan sebesar Rp590.978 dan Rp508.023 masing-masing untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013. LL



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The BJBS’s head office is located at Jl. Braga No.135, Bandung. As of December 31, 2014, BJBS has 8 branch offices, 52 sub-branches, 1 cash offices, and 4 sharia outlets with 949 employees (December 31, 2013: 8 branch offices, 50 sub-branches, 2 cash offices, and 3 sharia outlets with 764 employees) (unaudited). BJBS total assets amounted to Rp6,090,944 and Rp4,695,088 as of December 31, 2014 and 2013, respectively, and total revenue of Rp590,978 and Rp508.023 for the years ended December 31, 2014 and 2013, respectively.

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20 bank bjb Laporan Tahunan 2014

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3'%35/3.*DUXW.RWD Perusahaan Daerah Bank Perkreditan Rakyat LPK Garut Kota didirikan dengan Peraturan Daerah Provinsi Daerah Tingkat I Jawa Barat No. 3 Tahun 1987, yang selanjutnya dikukuhkan menjadi Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan Kecamatan Garut Kota dengan Peraturan Provinsi Daerah Tingkat I Jawa Barat Nomor 5 Tahun 1996, serta berubah menjadi Perusahaan Daerah Perkreditan Kecamatan sesuai dengan Peraturan Daerah Provinsi Jawa Barat No. 25 Tahun 2000 Tentang Perusahaan Daerah Perkreditan Kecamatan dan mendapat izin usaha sebagai Bank Perkreditan Rakyat dari Bank Indonesia sesuai surat No. 31/20/DIR/UBPR/Rahasia tanggal 22 Juni 1998, serta disahkan melalui Keputusan Menteri Keuangan Republik Indonesia No. KEP-467/KM.17/1998 Tentang Pemberian Izin usaha sebagai Bank Perkreditan Rakyat kepada Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan Rakyat Kecamatan Garut Kota.



Regional Company Rural Bank Garut Kota was established with Provincial Regulation Level I West Java No. 3 Year 1987, which was further confirmed as a Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan Kecamatan Garut Kota with Provincial Regulation Level I West Java No. 5 Year 1996, and changed to a Regional Company Subdistrict Lending according to Provincial Government Regulation No. 25 Year 2000, of West Java Province, regarding the Regional Company Subdistrict Lending and were approved as Public Lending Bank from Bank Indonesia based on Letter No. 31/20/DIR/UBPR/Rahasia dated June 22, 1998, and approved through Decision No. KEP-467/KM.17/1998, Ministry of Finance of the Republic of Indonesia, concerning Business Permit Granting as Rural Bank to Regional Company Rural Bank Garut Kota.

The original consolidated financial statements included herein are in the Indonesian language.

 

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37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
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Sebagai dasar penggabungan usaha (merger) 7 (tujuh) Perusahaan Daerah Bank Perkreditan Rakyat LPK yaitu PD BPR LPK Sukawening, PD BPR LPK Bayongbong, PD BPR LPK Cikajang, PD BPR LPK Banjarwangi, PD BPR LPK Cibalong, PD BPR LPK Leuwigoong kedalam Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan Kecamatan Garut Kota (PD BPR LPK Garut Kota) adalah Peraturan Daerah Provinsi Jawa Barat No. 30 tahun 2010 tanggal 31 Desember 2010 Tentang Perubahan atas Perusahaan Daerah Jawa Barat No. 14 tahun 2006 tentang Perusahaan Daerah Bank Perkreditan Rakyat dan Perusahaan Daerah Perkreditan Rakyat Kecamatan. Pada tahun 2012, Bank telah mengakuisisi PD BPR LPK Garut Kota sesuai dengan Surat Keputusan Bank Indonesia No. 14/79/KEP.GBI/Bd/2012 tanggal 11 Oktober 2012. Bank memiliki kepemilikan langsung sebesar 44,02% dan 47,86% masing-masing pada tanggal 31 Desember 2014 dan 2013.



In 2012, the Bank has acquired PD BPR LPK Garut Kota based on the Decision Letter of the Governor of Bank Indonesia No. 14/79/KEP.GBI/Bd/2012 dated October 11, 2012. Bank has direct ownership of 44.02% and 47.86% as of December 31, 2014 and 2013, respectively.

Kantor pusat PD BPR LPK Garut Kota berkedudukan di Jalan Pramuka No. 30 A Kecamatan Garut Kota Kabupaten Garut Provinsi Jawa Barat.



PD BPR LPK Garut Kota head office is located at Jalan Pramuka No. 30 A, Garut Kota Subdistrict, Garut Regency, West Java Province.

Jumlah Pegawai tetap PD BPR LPK Garut Kota hasil penggabungan usaha (merger) 7 (tujuh) BPR LPK di Kabupaten Garut per 31 Desember 2014 dan 2013 masingmasing 118 dan 108 orang pegawai (tidak audit).



PD BPR LPK Garut Kota has 118 and 108 permanent employees (unaudited), as a result of merger of 7 (seven) BPR LPK Garut Regency, as of December 31, 2014 and 2013, respectively.

PD BPR LPK Garut Kota memiliki total aset sebesar Rp132.047 dan Rp103.334 masing-masing pada tanggal 31 Desember 2014 dan 2013, dan total pendapatan sebesar Rp24.473 dan Rp18.542 masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2014 dan 2013.



PD BPR LPK Garut Kota total assets amounted to Rp132,047 and Rp103,334, as of December 31, 2014 and 2013, respectively, and total revenue of Rp24,473 and Rp18,542 for the years ended December 31, 2014 and 2013, respectively.

21 bank bjb Annual Report 2014

639

The original consolidated financial statements included herein are in the Indonesian language.

 

640

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Perusahaan Daerah Bank Perkreditan Rakyat LPK Jalancagak didirikan berdasarkan Surat Keputusan Bupati kepala daerah tingkat II Subang No. 170/STAP/pe.023.3/SK/78 tanggal 1 September 1978 dengan nama PD Badan Perkreditan Pasar Jalancagak. Berdasarkan Surat Keputusan Bupati Kepala Daerah Tingkat II Subang No. 581/PE/32/85 tanggal 4 September 1985 diubah menjadi Perusahaan Daerah Bank Perkreditan Rakyat LPK Jalancagak.



Regional Company Rural Bank Jalancagak was established based on Decision Letter Level II of the Head of Subang Regencies No. 170/STAP/ pe.023.3/SK/78 dated September 1, 1978 under the name of PD Badan Perkreditan Pasar Jalancagak. Based on Decision Letter Level II of Regencies Head Subang No. 581/PE/32/85 dated September 4, 1985 it was converted into Perusahaan Daerah Bank Perkreditan Rakyat LPK Jalancagak.

Kegiatan usaha Perusahaan Daerah Bank Perkreditan Rakyat LPK Jalancagak telah memperoleh izin dari Departemen Keuangan Republik Indonesia melalui Surat Keputusan Menteri Keuangan No. KEP-079/KM.17/1998 tanggal 18 Februari 1998 serta dari Bank Indonesia, dengan surat No. 31/18/UBPR/AdR/Bd tanggal 14 April 1998, dengan Izin Prinsip berdasarkan Keputusan Deputi Gubernur Bank Indonesia No. 13/5/KEP.DpG/2011 tanggal 12 Agustus 2011 tentang Pemberian Izin Penggabungan Usaha (Merger) PD BPR LPK Cisalak, PD BPR LPK Pagaden, PD BPR LPK Purwadadi dan PD BPR LPK Pamanukan ke dalam PD BPR LPK Jalancagak.



The operations of Regional Company Rural Bank Jalancagak has been granted license from the Ministry of Finance of the Republic of Indonesia through the Decision Letter of Minister of Finance No. KEP-079/KM.17/1998, dated February 18, 1998 and the Bank Indonesia Letter No.31/18/UBPR/AdR/Bd dated April 14, 1998, with the license in Principle based on the Decision by Deputy Governor of Bank Indonesia No. 13/5/KEP.DpG/2011 dated August 12, 2011 on the Granting Permit Merger (Merger) for PD BPR LPK Cisalak, PD BPR LPK Pagaden, PD BPR LPK Purwadadi dan PD BPR LPK Pamanukan into PD BPR LPK Jalancagak.

In 2012, the Bank has acquired PD BPR LPK Jalancagak based on the Decision Letter of the Governor of Bank Indonesia No. 14/78/KEP.GBI/Bd/2012 dated September 28, 2012. Bank has direct ownership of 51% as of December 31, 2014 and 2013.

Pada tahun 2012, Bank telah mengakuisisi PD BPR LPK Jalancagak sesuai dengan Surat Keputusan Bank Indonesia No. 14/78/KEP.GBI/Bd/2012 tanggal 28 September 2012. Bank memiliki kepemilikan langsung sebesar 51% pada tanggal 31 Desember 2014 dan 2013. Kantor pusat PD BPR LPK Jalancagak berkedudukan di Jalan Raya Jalancagak No. 151.



The PD BPR LPK Jalancagak has 132 and 128 permanent employees (unaudited), as of December 31, 2014 and 2013, respectively.

Jumlah karyawan tetap PD BPR LPK Jalancagak tanggal 31 Desember 2014 dan 2013 masing-masing 132 dan 128 orang pegawai (tidak audit).

22 bank bjb Laporan Tahunan 2014

PD BPR LPK Jalancagak head office located at Jalan Raya Jalancagak No. 151.

The original consolidated financial statements included herein are in the Indonesian language.

 

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PD BPR LPK Jalancagak has a total assets of Rp178,644 and Rp151,154, as of December 31, 2014 and 2013, respectively, and total revenue of Rp41,124 and Rp32,255 for the years ended December 31, 2014 and 2013, respectively.

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PD BPR LPK Jalancagak memiliki total aset sebesar Rp178.644 dan Rp151.154 masing-masing pada tanggal 31 Desember 2014 dan 2013, dan total pendapatan sebesar Rp41.124 dan Rp32.255 masing-masing untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2012.

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Pernyataan Kepatuhan

Statement of Compliance

Laporan keuangan konsolidasian pada tanggal dan untuk tahun yang berakhir pada tanggaltanggal 31 Desember 2014 dan 2013 disusun dan disajikan sesuai dengan Standar Akuntansi Keuangan di Indonesia, yang mencakup Pernyataan dan Interpretasi yang dikeluarkan oleh Dewan Standar Akuntansi Keuangan Ikatan Akuntan Indonesia dan peraturan Bapepam-LK No. VIII.G.7 lampiran keputusan Ketua Bapepam-LK No. KEP347/BL/2012 tanggal 25 Juni 2012 tentang “Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik”.

The consolidated financial statements as of and for the years ended December 31, 2014 and 2013 were prepared and presented in accordance with Indonesian Financial Accounting Standards, which includes the Statements and Interpretations issued by the Financial Accounting Standards Board Indonesian Institute of Accountants and Bapepam-LK’s Regulation No. VIII.G.7, Appendix of the Decision of the Chairman of Bapepam-LK No. KEP-347/BL/2012 dated June 25, 2012 regarding the “Guidelines on Financial Statements Presentations and Disclosures for Issuers or Public Companies”.

Laporan keuangan BJBS disajikan sesuai dengan PSAK No. 101 (Revisi 2011), “Penyajian Laporan Keuangan Syariah”, PSAK No. 102, “Akuntansi Murabahah”, PSAK No. 104, “Akuntansi Istishna”, PSAK No. 105, “Akuntansi Mudharabah”, PSAK No. 106, “Akuntansi Musyarakah”, PSAK No. 110, “Akuntansi Sukuk” dan PSAK No. 107, “Akuntansi Ijarah”, menggantikan PSAK No. 59 tentang “Akuntansi Perbankan Syariah” yang berhubungan dengan pengakuan, pengukuran, penyajian dan pengungkapan terhadap topiktopik tersebut dan mempertimbangkan Pedoman Akuntansi Perbankan Syariah Indonesia (“PAPSI”) yang diterbitkan atas kerjasama IAI dengan Bank Indonesia.

The financial statements of BJBS have been prepared in conformity with SFAS No. 101 (Revised 2011), “Sharia Financial Statements Presentation”, SFAS No. 102, “Accounting for Murabahah”, SFAS No. 104, “Accounting for Istishna”, SFAS No. 105, “Accounting for Mudharabah”, SFAS No. 106, “Accounting for Musyarakah”, SFAS No. 110, "Accounting for Sukuk” and SFAS No. 107, “Accounting for Ijarah” which superseded SFAS No. 59, “Accounting for Sharia Banks”, in relation to the recognition, measurement, presentation and disclosure for the abovementioned topics and considering the Accounting Guidelines for Indonesian Syariah Banks (“PAPSI”) issued by Bank Indonesia in cooperation with IAI.

23 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pernyataan Kepatuhan (lanjutan)

Statement of Compliance (continued)

Laporan keuangan konsolidasian telah disajikan berdasarkan nilai historis, kecuali untuk beberapa akun yang dinilai menggunakan dasar pengukuran lain sebagaimana dijelaskan pada kebijakan akuntansi dari akun tersebut. Laporan keuangan konsolidasian disusun dengan dasar akrual, kecuali pendapatan dari istishna dan bagi hasil dari pembiayaan mudharabah dan musyarakah serta laporan arus kas.

The consolidated financial statements have been prepared on a historical cost basis, except for some accounts that were assessed using another measurement basis as explained in the accounting policies of the account. The consolidated financial statements have been prepared on accrual basis, except for the revenue from istishna and the profit sharing from the mudharabah and musyarakah financing and the statement of cash flow.

Laporan arus kas konsolidasian disusun menggunakan metode langsung dan arus kas dikelompokkan atas dasar aktivitas operasi, investasi dan pendanaan. Kas dan setara kas terdiri dari kas, giro pada Bank Indonesia dan giro pada bank lain, penempatan pada Bank Indonesia dan bank lain yang jatuh tempo dalam waktu 3 (tiga) bulan sejak tanggal perolehan, sepanjang tidak digunakan sebagai jaminan atas pinjaman yang diterima serta tidak dibatasi penggunaannya.

The consolidated statement of cash flows have been prepared using the direct method and the cash flows have been classified on the basis of operating, investing and financing activities. Cash and cash equivalents consists of cash, current accounts with Bank Indonesia and current accounts with other banks, placements with Bank Indonesia and other banks maturing within 3 (three) months or less from the acquisition date provided they are not used as collateral for borrowings nor restricted.

Mata uang penyajian yang digunakan dalam laporan keuangan konsolidasian adalah Rupiah, yang merupakan mata uang fungsional. Angka-angka yang disajikan dalam laporan keuangan, kecuali bila dinyatakan secara khusus, adalah dibulatkan dalam jutaan Rupiah.

The presentation currency used in the consolidated financial statements is Indonesian Rupiah, which is the Bank’s functional currency. Unless otherwise stated, all figures presented in the consolidated financial statement are rounded off to millions of Rupiah.

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E 3ULQFLSOHVRIFRQVROLGDWLRQ The consolidated financial statements consisting of the financial statements of the Bank and subsidiaries that are controlled by the Bank, excluding those subsidiaries, if any, in which control is assumed to be temporary, or those with long-term restrictions significantly impairing the subsidiaries’ ability to transfer funds to the Bank.

Laporan Konsolidasian meliputi laporan keuangan Bank beserta entitas anak yang berada di bawah pengendalian Bank, kecuali entitas anak yang sifat pengendaliannya adalah sementara atau jika ada pembatasan jangka panjang yang mempengaruhi kemampuan entitas anak untuk memindahkan dananya ke Bank. 

Dalam hal pengendalian terhadap entitas anak dimulai atau diakhiri dalam suatu periode berjalan, maka hasil usaha entitas anak yang diperhitungkan ke dalam laporan keuangan konsolidasian hanya sebatas hasil pada saat pengendalian tersebut mulai diperoleh atau hingga saat pengendalian itu berakhir.



24 bank bjb Laporan Tahunan 2014



Where subsidiaries, if any, either began or ceased to be controlled during the period, the result of operations of that subsidiary is included in the consolidated financial statements only from the date that the control has commenced or up to the date that the control has ceased.

The original consolidated financial statements included herein are in the Indonesian language.

 

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Suatu pengendalian atas suatu entitas anak lain dianggap ada bilamana Bank menguasai lebih dari lima puluh persen (50%) hak suara, atau Bank dapat menentukan kebijakan keuangan dan operasi dari entitas anak, atau mempunyai kemampuan untuk memberhentikan atau menunjuk mayoritas Direksi entitas anak, atau mampu menguasai suara mayoritas dalam rapat pengurus.

Control over a subsidiary is presumed to exist where more than 50% of the subsidiary’s voting power is controlled by the Bank, or the Bank has the ability to control the financial and operating policies of the subsidiary, or has the ability to remove or appoint the majority of the subsidiary’s Board of Directors, or control the majority vote during management meeting.

Seluruh saldo dan transaksi termasuk keuntungan/kerugian yang belum direalisasi antar Bank dan entitas anak yang signifikan dieliminasi untuk mencerminkan posisi keuangan dan hasil usaha konsolidasian Bank dan entitas anaknya sebagai satu kesatuan usaha.

All significant balances and transactions, including unrealized gains/losses between Bank and subsidiaries are eliminated to reflect the consolidated financial position and results of operations of Bank and its subsidiaries as a single entity.

Laporan keuangan konsolidasian disusun dengan menggunakan kebijakan akuntansi yang sama untuk peristiwa dan transaksi sejenis dalam kondisi yang sama. Apabila laporan keuangan entitas anak menggunakan kebijakan akuntansi yang berbeda dari kebijakan akuntansi yang digunakan dalam laporan keuangan konsolidasian, maka dilakukan penyesuaian yang diperlukan terhadap laporan keuangan entitas anak tersebut, kecuali untuk akun-akun dan transaksi syariah dari entitas anak yang dikonsolidasi.

The consolidated financial statements are prepared using uniform accounting policies for transactions and events in similar circumstances. If the subsidiaries’ financial statements use accounting policies different from those adopted in the consolidated financial statements, appropriate adjustments are made to the subsidiary’s financial statements, except for the Sharia accounts and transactions of the consolidated subsidiaries.

Kepentingan non-pengendali disajikan di ekuitas dalam laporan posisi keuangan konsolidasian dan dinyatakan sebesar proporsi pemegang saham non-pengendali atas laba tahun berjalan dan ekuitas entitas anak tersebut sesuai dengan persentase kepemilikan pemegang saham non-pengendali pada entitas anak tersebut.

The non-controlling interest is presented in the equity of the consolidated statements of financial position and represents the noncontrolling shareholders’ proportionate share in the income for the year and equity of the subsidiaries based on the percentage of ownership of the non-controlling shareholders in the subsidiaries.

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Transactions denominated in foreign currencies are converted into rupiah at the exchange rates prevailing at the dates of the transactions. At the consolidated statement of financial position, monetary assets and liabilities denominated in foreign currencies are translated at the exchange rates prevailing at such date.

Transaksi dalam mata uang asing dijabarkan ke mata uang rupiah dengan menggunakan kurs yang berlaku pada tanggal transaksi. Pada tanggal laporan posisi keuangan konsolidasian, aset dan liabilitas moneter dalam mata uang asing dijabarkan dengan menggunakan kurs yang berlaku pada tanggal laporan posisi keuangan konsolidasian.

643

25 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

644

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Keuntungan dan kerugian selisih kurs yang timbul dari transaksi dalam mata uang asing dan dari penjabaran aset dan liabilitas moneter dalam mata uang asing diakui dalam laporan laba rugi komprehensif tahun berjalan.

Exchange gains and losses arising from transactions denominated in foreign currencies and from the translation of monetary assets and liabilities denominated in foreign currencies are recognized in the statement of comprehensive income for the current year.

Berikut ini adalah kurs mata uang asing utama yang digunakan untuk penjabaran dalam rupiah pada tanggal 31 Desember 2014 dan 2013 yang menggunakan kurs tengah berdasarkan Reuters (pukul 16.00 Waktu Indonesia Barat) (dalam Rupiah penuh).

Below are the major exchange rates used for translation into rupiah as of December 31, 2014 and 2013 using the middle rates based on Reuters (at 16.00 hours Western Indonesian Time) (in full amount).

     

 



Dolar Amerika Serikat Dolar Australia Dolar Singapura Poundsterling Inggris Yen Jepang Dolar Hong Kong Euro Eropa Riyal Saudi Arabia Yuan China

 



12.385 10.148 9.376 19.288 104 1.597 15.053 3.300 1.996



12.170 10.856 9.622 20.110 116 1.570 16.759 3.244 2.010

United States Dollar Australian Dollar Singapore Dollar Great Britain Poundsterling Japanese Yen Hong Kong Dollar European Euro Saudi Arabian Riyal Chinese Yuan

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Aset keuangan Bank dan entitas anak terdiri dari kas, giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain, surat-surat berharga, efek-efek yang dibeli dengan janji dijual kembali, wesel ekspor dan tagihan lainnya, penyertaan saham, kredit yang diberikan, tagihan akseptasi, bunga yang masih akan diterima, dan aset lain-lain (setoran jaminan).





The Bank and subsidiaries financial assets consist of cash, current accounts with Bank Indonesia, current accounts with other banks, placements with Bank Indonesia and other banks, marketable securities, marketable securities purchased under agreements to resell, bills and other recievables, investments in shares, loans, acceptances receivable, interest receivables, and other assets (guarantee deposit).



Liabilitas keuangan Bank dan entitas anak terdiri dari liabilitas segera, simpanan nasabah, simpanan dari bank lain, efek-efek yang dijual dengan janji dibeli kembali, liabilitas derivatif, liabilitas akseptasi, efek utang yang diterbitkan, pinjaman yang diterima, bunga yang masih harus dibayar, dan liabilitas lain-lain.





The Bank’s and subsidiaries’ financial liabilities consist of obligations due immediately, deposits from customers, deposits from other banks, marketable securities sold under agreement to repurchase, derivatif liabilities, acceptances payable, debt securities issued, borrowings, interest payable, and other liabilities.

26 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Klasifikasi



Bank mengklasifikasi aset keuangannya berdasarkan kategori sebagai berikut pada saat pengakuan awal:



The Bank classified its financial assets in the following categories on initial recognition:

Aset keuangan yang diukur pada nilai wajar melalui laba rugi, yang memiliki 2 (dua) sub-klasifikasi, yaitu aset keuangan yang ditetapkan demikian pada saat pengakuan awal dan aset keuangan yang diklasifikasi dalam kelompok yang diperdagangkan;  Kredit yang diberikan dan piutang;  Investasi dalam kelompok dimiliki hingga jatuh tempo; dan  Aset keuangan yang diklasifikasikan dalam kelompok tersedia untuk dijual.



%

Financial assets held at fair value through profit or loss, which have 2 (two) sub-classifications, i.e. financial assets designated as such upon initial recognition and financial assets classified as held-for-trading;

%

Loans and receivables;

%

Held-to-maturity investments; and

%

Available-for-sale financial assets.

Liabilitas keuangan diklasifikasikan ke dalam kategori sebagai berikut pada saat pengakuan awal:



Financial liabilities are classified into the following categories on initial recognition:

%

Liabilitas keuangan yang diukur pada nilai wajar melalui laba rugi, yang memiliki 2 sub-klasifikasi, yaitu liabilitas keuangan yang ditetapkan demikian pada saat pengakuan awal dan liabilitas keuangan yang telah diklasifikasikan dalam kelompok diperdagangkan;



%

Financial liabilities at fair value through profit or loss, which has 2 sub-classifications, i.e. those designated as such upon initial recognition and those classified as held-for-trading;

%

Liabilitas keuangan lain yang tidak diklasifikasikan sebagai liabilitas keuangan yang diukur pada nilai wajar melalui laporan laba rugi dikategorikan dan diukur dengan biaya perolehan diamortisasi.

%

Other financial liabilities that are classified as financial liabilities at value through profit or loss categorized and measured amortized cost.

(i)

Classification



%

% % % 

Kelompok aset dan liabilitas yang diukur pada nilai wajar melalui laba rugi terdiri dari aset dan liabilitas keuangan yang diperoleh atau dimiliki Bank terutama untuk tujuan dijual atau dibeli kembali dalam waktu dekat, atau dimiliki sebagai bagian dari portofolio instrumen keuangan tertentu yang dikelola bersama untuk memperoleh laba jangka pendek atau position taking.



645

not fair are at

The sub-classification of financial assets and liabilities at fair value through profit or loss consists of financial assets and liabilities that the Bank acquires or incurs principally for the purpose of selling or repurchasing in the near term, or holds as part of a financial instrument portfolio that is managed together for short-term profit or position taking.

27 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

646

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(i)

Klasifikasi (lanjutan)

(i) Classification (continued)



Kredit yang diberikan dan piutang adalah aset keuangan non-derivatif dengan pembayaran tetap atau telah ditentukan dan tidak mempunyai kuotasi di pasar aktif, kecuali:



%

%

%





Loans and receivables are non-derivative financial assets with fixed or determinable payments and are not quoted in an active market, except:

yang dimaksudkan oleh Bank untuk dijual segera dalam waktu dekat, yang diklasifikasikan dalam kelompok diperdagangkan, serta yang pada saat pengakuan awal ditetapkan diukur pada nilai wajar melalui laba rugi;

% those that the Bank intends to sell

yang pada saat pengakuan awal ditetapkan dalam kelompok investasi tersedia untuk dijual; atau

% those that upon initial recognition are

dalam hal Bank tidak akan memperoleh kembali seluruh investasi awal kecuali yang disebabkan oleh penurunan kualitas kredit yang diberikan dan piutang, yang diklasifikasikan dalam kelompok tersedia untuk dijual.

%

Investasi dalam kategori dimiliki hingga jatuh tempo adalah aset keuangan nonderivatif yang dapat dikuotasikan dengan pembayaran tetap atau telah ditentukan dan jatuh temponya telah ditetapkan dimana Bank mempunyai intensi positif dan kemampuan untuk memiliki aset keuangan tersebut hingga jatuh tempo. Investasi yang dimiliki untuk periode yang tidak dapat ditentukan tidak dikategorikan dalam klasifikasi ini.

immediately or in the short term, which are classified as held-for- trading, and those that the Bank upon initial recognition designates at fair value through profit or loss;

designated as investments; or

those for which the Bank may not recover substantially all of its initial investment, other than because of loans and receivable deterioration, which are classified as available-forsale.





Held-to-maturity investments consist of quoted non-derivative financial assets with fixed or determinable payments and fixed maturity which the Bank has the positive intention and ability to hold until maturity. Investments intended to be held for an undetermined period of time are not included in this classification.

The available-for-sale category consists of non-derivative financial assets that are designated as available-for-sale or are not classified in one of the other categories of financial assets.

Kategori tersedia untuk dijual terdiri dari aset keuangan non-derivatif yang ditetapkan sebagai tersedia untuk dijual atau yang tidak dikelompokkan ke dalam salah satu kategori aset keuangan lainnya.

28 bank bjb Laporan Tahunan 2014

available-for-sale

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ  (i)

Klasifikasi (lanjutan)





 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (i)

Classification (continued)

Setelah pengukuran awal, investasi tersedia untuk dijual diukur menggunakan nilai wajar dengan laba atau rugi yang diakui sebagai bagian dari ekuitas sampai dengan investasi dihentikan pengakuannya atau sampai investasi dinyatakan mengalami penurunan nilai dimana akumulasi laba atau rugi sebelumnya dilaporkan dalam ekuitas dilaporkan dalam laporan laba rugi komprehensif. Hasil efektif dan (bila dapat diaplikasikan) hasil dari nilai tukar dinyatakan kembali untuk investasi tersedia dijual dan dilaporkan pada laporan laba rugi komprehensif.

After initial recognition,available-for-sale investments are measured at fair value with gains or losses being recognized in equity until the investment is derecognized or until the investment is determined to be impaired at which time the cumulative gains or losses previously reported in equity is included in the statement of comprehensive income. The effective yield and (where applicable) results of foreign exchange restatement for available-for-sale investments are reported in the statement of comprehensive income.

Liabilitas keuangan lainnya merupakan liabilitas keuangan yang tidak dimiliki untuk dijual atau ditentukan sebagai nilai wajar melalui laporan laba rugi saat pengakuan liabilitas.

Other financial liabilities represent financial liabilities that are neither held for trading nor designated at fair value through profit or loss upon the recognition of the liability.



Management determines the classification of its financial assets and liabilities at initial recognition.

Manajemen menentukan klasifikasi aset keuangan dan liabilitas keuangan pada saat pengakuan awal. (ii) Pengakuan awal a. Pembelian atau penjualan aset keuangan yang memerlukan penyerahan aset dalam kurun waktu yang telah ditetapkan oleh peraturan dan kebiasaan yang berlaku di pasar (pembelian secara reguler) diakui pada tanggal penyelesaian, seperti tanggal perusahaan berkomitmen untuk membeli atau menjual aset.

 

(ii) Initial recognition a. Purchases or sales of financial assets that require delivery of assets within a time frame established by regulation or convention in the market place (regular way purchases) are recognized on the settlement date, i.e., the date that the companies commit to purchase or sell the assets.

b. Financial assets and liabilities are initially recognized at fair value plus, for those financial assets not at fair value through profit and loss, directly attributable transaction costs. The subsequent measurement of financial assets and liabilities depends on their classification.

b. Aset keuangan dan liabilitas keuangan pada awalnya diukur pada nilai wajarnya. Dalam hal aset keuangan atau liabilitas keuangan tidak diukur pada nilai wajar melalui laporan laba rugi, nilai wajar tersebut ditambah biaya transaksi yang dapat diatribusikan secara langsung. Pengukuran aset keuangan dan liabilitas keuangan setelah pengakuan awal tergantung pada klasifikasinya.

647

29 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

648

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ  (ii) Pengakuan awal (lanjutan)





 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (ii) Initial recognition (continued)

Biaya transaksi hanya meliputi biaya-biaya yang dapat diatribusikan secara langsung untuk perolehan suatu aset keuangan atau penerbitan suatu liabilitas keuangan dan merupakan biaya tambahan yang tidak akan terjadi apabila instrumen keuangan tersebut tidak diperoleh atau diterbitkan. Untuk aset keuangan, biaya transaksi ditambahkan pada jumlah yang diakui pada awal pengakuan aset, sedangkan untuk liabilitas keuangan, biaya transaksi dikurangkan dari jumlah utang yang diakui pada pengakuan awal liabilitas. Biaya transaksi tersebut diamortisasi selama umur instrumen berdasarkan metode suku bunga efektif dan dicatat sebagai bagian dari pendapatan bunga untuk biaya transaksi sehubungan dengan aset keuangan atau sebagai bagian dari beban bunga untuk biaya transaksi sehubungan dengan liabilitas keuangan.

Transaction costs only include costs that are directly attributable to the acquisition of a financial asset or issuance of a financial liability and an additional charge that would not occur if the instrument is not acquired or issued. For financial assets, transaction costs are added to the amount recognized in the initial recognition of the asset, while for financial liabilities, transaction costs are deducted from the amount of debt recognized on initial recognition of a liability. The transaction costs are amortized over the terms of the instrument based on the effective interest rate method and recorded as part of interest income for transaction costs related to the financial asset or as part of interest expense for transaction costs related to financial liabilities.

Bank, pada pengakuan awal, dapat menetapkan aset keuangan dan liabilitas keuangan tertentu sebagai nilai wajar melalui laba rugi (opsi nilai wajar). Opsi nilai wajar dapat digunakan hanya bila memenuhi ketetapan sebagai berikut:

The Bank, upon initial recognition, may designate certain financial assets and liabilities, at fair value through profit or loss (fair value option). The fair value option is only applied when the following conditions are met:

%

penetapan sebagai opsi nilai wajar mengurangi atau mengeliminasi ketidak-konsistenan pengukuran dan pengakuan (accounting mismatch) yang dapat timbul; atau

%

%

aset keuangan dan liabilitas keuangan merupakan bagian dari portofolio instrumen keuangan yang risikonya dikelola dan dilaporkan kepada manajemen kunci berdasarkan nilai wajar; atau

% the financial assets and liabilities are part of a portfolio of financial instruments, the risks of which are managed and reported to key management on a fair value basis; or

%

aset keuangan dan liabilitas keuangan terdiri dari kontrak utama dan derivatif melekat yang harus dipisahkan.

% the financial assets and liabilities consist of a host contract and an embedded derivative that must be bifurcated.

30 bank bjb Laporan Tahunan 2014

the application of the fair value option reduces or eliminates an accounting mismatch that would otherwise arise; or

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (iii) Subsequent measurement

(iii) Pengukuran setelah pengakuan awal a. Aset keuangan dalam kelompok tersedia untuk dijual dan aset keuangan dan liabilitas keuangan yang diukur pada nilai wajar melalui laporan laba rugi diukur pada nilai wajarnya.

a. Available-for-sale financial assets and financial assets and liabilities measured at fair value through profit or loss are subsequently measured at fair value.

b. Kredit yang diberikan dan piutang serta investasi dimiliki hingga jatuh tempo dan liabilitas keuangan lainnya yang diukur pada biaya perolehan diamortisasi, diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif.

b. Loans and receivables and held-tomaturity investments and other financial liabilities which are measured at amortized cost, are measured at amortized cost using the effective interest method.

(iv) Derecognition

(iv) Penghentian pengakuan a. Aset keuangan pengakuannya jika:

a. Financial assets are derecognized when:

dihentikan

649

-

Hak kontraktual atas arus kas yang berasal dari aset keuangan tersebut berakhir; atau

-

The contractual rights to receive cash flows from the financial assets have expired; or

-

Bank mentransfer hak untuk menerima arus kas yang berasal dari aset keuangan atau menanggung liabilitas untuk membayarkan arus kas yang diterima tersebut secara penuh tanpa penundaan berarti kepada pihak ketiga di bawah kesepakatan pelepasan (pass through arrangement); dan

-

The Bank has transferred its rights to receive cash flows from the financial assets or has assumed an obligation to pay the received cash flows in full without material delay to a third party under a ‘pass through arrangement’; and

-

(a) Bank telah mentransfer secara substansial seluruh risiko dan manfaat atas aset, atau (b) Bank tidak mentransfer maupun tidak memiliki secara substansial seluruh risiko dan manfaat atas aset, namun telah mentransfer pengendalian atas aset.

-

Either (a) the Bank has transferred substantially all the risks and rewards of the asset, or (b) the Bank has neither transferred nor retained substantially all the risks and rewards of the asset, but has transferred control of the asset.

31 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

650

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (iv) Derecognition (continued)

(iv) Penghentian pengakuan (lanjutan) a. Aset keuangan dihentikan pengakuannya jika (lanjutan):

a. Financial assets are derecognized when (continued):

Ketika Bank telah mentransfer hak untuk menerima arus kas dari aset atau di bawah kesepakatan pelepasan (pass-through arrangement), dan tidak mentransfer serta tidak memiliki secara substansial seluruh risiko dan manfaat atas aset dan masih memiliki pengendalian atas aset, aset diakui sebesar keterlibatan Bank yang berkelanjutan atas aset tersebut.

When the Bank has transferred its rights to receive cash flows from an asset or has entered into a passthrough arrangement, and has neither transferred nor retained substantially all risks and rewards of the asset nor transferred control of the asset, the asset is recognized to the extent of the Bank’s continuing involvement in the asset.

Kredit yang diberikan atau aset keuangan lain dihapusbukukan ketika tidak terdapat prospek yang realistis mengenai pengembalian kredit dalam waktu dekat atau hubungan normal antara Bank dan debitur telah berakhir. Kredit yang tidak dapat dilunasi dihapusbukukan dengan mendebit cadangan kerugian penurunan nilai. Penerimaan kemudian atas kredit yang telah dihapusbukukan sebelumnya, jika pada periode berjalan dikreditkan ke dalam akun cadangan kerugian penurunan nilai atas kredit yang diberikan di laporan posisi keuangan konsolidasian, sedangkan jika setelah tanggal laporan posisi keuangan konsolidasian dikreditkan sebagai pendapatan operasional lainnya dalam laporan laba rugi komprehensif.

Loans or other financial assets are written off when there is no realistic prospect of collection in the near future or the normal relationship between the Bank and the borrowers has ceased to exist. When a loan is deemed uncollectible, it is written off against the related allowance for impairment losses. Subsequent recoveries from loans previously written off, are added to the allowance for impairment losses account in the consolidated statement of financial position, if recovered in the current year and are recognized in the statements of comprehensive income as other operating income, if recovered after the consolidated statement of financial position date.

b. Liabilitas keuangan dihentikan pengakuannya jika liabilitas keuangan tersebut berakhir, yaitu ketika liabilitas yang ditetapkan dalam kontrak dilepaskan atau dibatalkan atau kadaluwarsa.

b. Financial liabilities are derecognized when they are extinguished, i.e. liabilities stated in the contract are released or cancelled or have expired.

32 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (iv) Derecognition (continued)

(iv) Penghentian pengakuan (lanjutan)

Where an existing financial liability is replaced by another from the same lender on substantially different terms, or the terms of an existing liability are substantially modified, such an exchange or modification is treated as derecognition of the original liability and the recognition of a new liability, and the difference in the respective carrying amounts is recognised in the statement of comprehensive income.

Jika suatu liabilitas keuangan yang ada digantikan dengan yang lain oleh pemberi pinjaman yang sama pada keadaan yang secara substansial berbeda, atau berdasarkan suatu liabilitas yang ada yang secara substansial telah diubah, seperti pertukaran atau modifikasi yang diperlakukan sebagai penghentian pengakuan liabilitas awal dan liabilitas baru, dan pengakuan perbedaan nilai tercatat masingmasing diakui dalam laporan laba rugi komprehensif. (v)

(v) Pengakuan pendapatan dan beban

651

Income and expense recognition

a.

Pendapatan dan beban bunga atas aset tersedia untuk dijual, serta aset keuangan dan liabilitas keuangan yang dicatat berdasarkan biaya perolehan diamortisasi diakui pada laporan laba rugi komprehensif konsolidasian dengan menggunakan metode suku bunga efektif.

a. Interest income and expense on available-for-sale assets and financial assets and liabilities measured at amortized cost are recognised in the consolidated statement of comprehensive income using the effective interest method.

b.

Keuntungan dan kerugian yang belum direalisasi yang timbul dari perubahan nilai wajar aset keuangan dan liabilitas keuangan yang diukur pada nilai wajar melalui laporan laba rugi diakui pada laporan laba rugi komprehensif.

b. Unrealized gains and losses arising from changes in the fair value of the financial assets and liabilities measured at fair value through profit or loss are included in the statement of comprehensive income.

Keuntungan dan kerugian yang belum direalisasi yang timbul dari perubahan nilai wajar aset keuangan yang diklasifikasikan dalam kelompok tersedia untuk dijual kecuali keuntungan atau kerugian akibat perubahan nilai tukar diakui secara langsung dalam ekuitas, sampai aset keuangan tersebut dihentikan pengakuannya atau adanya penurunan nilai.

Unrealized gains and losses arising from changes in the fair value of available-for-sale financial assets other than foreign exchange gains and losses from monetary items are recognised directly in equity, until the financial asset is derecognized or impaired.

Pada saat aset keuangan dihentikan pengakuannya atau dilakukan penurunan nilai, keuntungan atau kerugian kumulatif yang sebelumnya diakui dalam ekuitas harus diakui pada laporan laba rugi komprehensif konsolidasian.

At the time the financial asset is or impaired, the derecognized cumulative gains or losses previously recognized in equity are recognized in consolidated statement of comprehensive income. 33 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

652

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (vi) Reclassification of financial assets

(vi) Reklasifikasi aset keuangan Bank tidak diperkenankan untuk mereklasifikasi setiap instrumen keuangan dari diukur pada nilai wajar melalui laba rugi, jika pada pengakuan awal instrumen keuangan tersebut ditetapkan oleh Bank sebagai diukur pada nilai wajar melalui laba rugi.

Bank is not allowed to reclassify any financial instrument out of or into the fair value through profit or loss, if the initial recognition of financial instruments is determined by Bank as measured at fair value through profit or loss.

Bank dan entitas anak tidak boleh mengklasifikasikan aset keuangan sebagai investasi dimiliki hingga jatuh tempo, jika Bank dan entitas anak dalam periode berjalan atau dalam kurun waktu 2 (dua) tahun sebelumnya, telah menjual atau mereklasifikasi investasi dimiliki hingga jatuh tempo dalam jumlah yang lebih dari jumlah yang tidak signifikan sebelum jatuh tempo (lebih dari jumlah yang tidak signifikan dibandingkan dengan jumlah nilai investasi dimiliki hingga jatuh tempo), kecuali penjualan atau reklasifikasi tersebut dimana:

The Bank and subsidiaries cannot classify any financial assets as held-tomaturity investments, if the Bank and subsidiaries, during the current period or in the 2 (two) preceeding years, had sold or reclassified in more than an insignificant amount of held-to-maturity investments before their maturity (more than an insignificant amount compared to the total amount of held-to-maturity investments), other than sales or reclassifications that:

a. sudah mendekati jatuh tempo atau tanggal pembelian kembali di mana perubahan suku bunga tidak akan berpengaruh secara signifikan terhadap nilai wajar aset keuangan tersebut;

a. are so close to maturity or repurchase date that change in interest rate would not have a significant effect on the financial assets’ fair value;

b. terjadi setelah Bank dan entitas anak telah memperoleh secara substansial seluruh jumlah pokok aset keuangan tersebut sesuai jadwal pembayaran atau Bank dan entitas anak telah memperoleh pelunasan dipercepat; atau

b. occur after the Bank and subsidiaries have obtained substantially all the principal amount of financial assets in accordance with the payment schedule or the Bank and subsidiaries have obtained early payment; or

c. terkait dengan kejadian tertentu yang berada di luar kendali Bank dan entitas anak, tidak berulang, dan tidak dapat diantisipasi secara wajar oleh Bank dan entitas anak.

c. are attributable to an isolated event that is beyond the Bank’s and subsidiaries’ controls are nonrecurring, and could not have been reasonably anticipated by the Bank and subsidiaries.

34 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (vi) Reclassification (continued)

(vi) Reklasifikasi aset keuangan (lanjutan)

of

financial

assets

Reclassification of financial assets from held-to-maturity to available-for-sale category is recorded at fair value. Unrealized gains or losses are reported in equity and are amortized using effective interest method over the remaining life of the financial assets.

Reklasifikasi aset keuangan dari kelompok dimiliki hingga jatuh tempo ke kelompok tersedia untuk dijual dicatat sebesar nilai wajarnya. Keuntungan atau kerugian yang belum direalisasi tetap dilaporkan dalam ekuitas dan diamortisasi menggunakan metode suku bunga efektif selama sisa umur aset keuangan tersebut.

(vii) Offsetting

(vii) Saling hapus Aset keuangan dan liabilitas keuangan dilakukan saling hapus dan nilai bersihnya disajikan dalam laporan posisi keuangan konsolidasian jika, dan hanya jika, Bank dan entitas anak memiliki hak yang berkekuatan hukum untuk melakukan saling hapus atas jumlah yang telah diakui tersebut dan adanya maksud untuk menyelesaikan secara neto atau untuk merealisasikan aset dan menyelesaikan liabilitasnya secara simultan.

Financial assets and liabilities are off-set and the net amount is presented in the consolidated statement of financial position when, and only when, the Bank and subsidiaries have a legal right to offset the amounts and intends either to settle on a net basis or to realize the asset and settle the liability simultaneously.

Pendapatan dan beban disajikan dalam jumlah bersih hanya jika diperkenankan oleh Standar Akuntansi Keuangan.

Income and expenses are presented on a net basis only when permitted by the Financial Accounting Standards. (viii) Amortized cost measurement

(viii) Pengukuran biaya diamortisasi

The amortized cost of a financial asset or liability is the amount at which the financial asset or liability is measured at initial recognition, minus principal repayments, plus or minus the cumulative amortization using the effective interest rate method of any difference between the initial amount recognized and the maturity amount, minus any reduction for impairment.

Biaya perolehan diamortisasi dari aset keuangan atau liabilitas keuangan adalah jumlah aset keuangan atau liabilitas keuangan yang diukur pada saat pengakuan awal dikurangi pembayaran pokok pinjaman, ditambah atau dikurangi amortisasi kumulatif menggunakan metode suku bunga efektif yang dihitung dari selisih antara nilai pengakuan awal dan nilai jatuh temponya, dan dikurangi penurunan nilai.

653

35 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

654

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (ix) Fair value measurement

(ix) Pengukuran nilai wajar Nilai wajar adalah nilai dimana suatu aset dapat dipertukarkan, atau suatu liabilitas dapat diselesaikan, diantara para pihak yang memahami dan berkeinginan untuk melakukan transaksi yang wajar pada tanggal pengukuran, termasuk didalamnya adalah nilai pasar dari Interdealer Market Association (IDMA) atau harga yang diberikan oleh broker (quoted price) dari Bloomberg dan Reuters pada tanggal pengukuran.

Fair value is the amount for which an asset could be exchanged, or a liability settled, between knowledgeable, willing parties in an arm’s length transaction on the measurement date, including the market value from the Interdealer Market Association (IDMA) or the given price by brokers (quoted price) from Bloomberg and Reuters on the measurement date.

Jika tersedia, Bank dan entitas anak mengukur nilai wajar dari suatu instrumen dengan menggunakan harga kuotasi di pasar aktif untuk instrumen terkait. Suatu pasar dianggap aktif bila harga yang dikuotasikan tersedia sewaktu-waktu dari bursa, pedagang efek (dealer), perantara efek (broker), kelompok industri, badan pengawas (pricing service or regulating agency) dan merupakan transaksi pasar aktual dan teratur terjadi yang dilakukan secara wajar.

When available, the Bank and subsidiaries measure the fair value of an instrument using quoted prices in an active market for that instrument. A market is regarded as active if quoted prices are readily available from the stock exchange, dealer, broker, industry group, pricing service or regulating agency and represent actual and regularly occurring market transactions on an arm’s length basis.

Kuotasi harga pasar yang sesuai bagi aset yang dimiliki atau liabilitas yang akan diterbitkan biasanya sama dengan harga penawaran yang berlaku, sementara untuk aset yang akan diperoleh atau liabilitas yang dimiliki adalah harga permintaannya. Jika Bank memiliki aset dan liabilitas dimana risiko pasarnya saling hapus, nilai tengah dari pasar dapat digunakan sebagai dasar untuk menentukan nilai wajar posisi risiko yang saling hapus tersebut dan penyesuaian harga penawaran atau harga permintaan diterapkan pada posisi terbuka atau neto (net open position) yang sesuai.

The appropriate quoted market price for an asset held or liability to be issued is usually the current bid price and, for an asset to be acquired or liability held, the current offer or asking price. Where the Bank has asset and liability with offsetting market risk, middle-market prices can be used to measure the offsetting risk positions or bid or ask price adjustment is applied to the appropriate net open positions as appropriate.

(x) Sukuk Financial Asset

(x) Aset keuangan sukuk

At initial recognition, the entity determines the classification of investments in sukuk either measured at cost or fair value.

Pada saat pengakuan awal, entitas menentukan klasifikasi investasi pada sukuk sebagai diukur pada biaya perolehan atau diukur pada nilai wajar.

36 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (x) Sukuk Financial Asset (continued)

(x) Aset keuangan sukuk (lanjutan) Investasi pada sukuk ijarah dan sukuk mudharabah setelah pengakuan awal, diukur sebagai berikut:

After the initial recognition, investment in ijarah sukuk and mudharabah sukuk is measured as follows:

a.

a. Measured at cost

Diukur pada biaya perolehan %

%

b.

Investasi tersebut dimiliki dalam suatu model usaha yang bertujuan utama untuk memperoleh arus kas kontraktual dan terdapat persyaratan kontraktual dalam menentukan tanggal tertentu atas pembayaran pokok dan atau hasilnya. Biaya perolehan sukuk termasuk biaya transaksi.

%

The investment is held in a business model whereby the primary goal is to obtain contractual cash flows and has contractual terms in determining the specific date of principal payments and or the results.

%

Sukuk acquisition cost includes transaction cost. The difference between the acquisition cost and the nominal value is amortized on a straightline basis over the period of the sukuk. Impairment loss is recognized if the recoverable amount is less than the carrying amount and is presented as an impairment loss in the consolidated statement of comprehensive income.

%

Selisih antara biaya perolehan dan nilai nominal diamortisasi secara garis lurus selama jangka waktu sukuk.

%

%

Rugi penurunan nilai diakui jika jumlah terpulihkan lebih kecil dari jumlah tercatat dan disajikan sebagai rugi penurunan nilai di dalam laporan laba rugi komprehensif konsolidasian.

%

b. Measured at fair value

Diukur pada nilai wajar %

%

Nilai wajar ditentukan dengan mengacu pada urutan sebagai berikut: - Kuotasi harga di pasar aktif - Harga yang terjadi dari transaksi terkini, apabila tidak ada kuotasi harga di pasar aktif

% %

- Nilai wajar instrumen sejenis, apabila tidak ada kuotasi harga di pasar aktif dan tidak ada harga yang terjadi dari transaksi terkini Biaya perolehan sukuk tidak termasuk biaya transaksi

% %

Selisih antara nilai wajar dan jumlah tercatat diakui dalam laporan laba rugi komprehensif

655

The fair value is determined with reference to the following order: - Quoted price in active market - Price from the current transaction, if there is no available price quotations in an active market - Fair value of similar instrument, if there is no available price quotations in an active market and no price from the current transaction Sukuk acquisition cost does not include transaction cost The difference between fair value and carrying value is presented in the statement of comprehensive income

37 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

656

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  G $VHW NHXDQJDQ GDQ OLDELOLWDV NHXDQJDQ  ODQMXWDQ 



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  G )LQDQFLDODVVHWVDQGOLDELOLWLHV FRQWLQXHG  (x) Sukuk Financial Asset (continued)

(x) Aset keuangan sukuk (lanjutan)

All investment in sukuk of Bank was done under ijarah contracts.

Semua investasi sukuk Bank dilakukan dengan akad ijarah. H *LURSDGD%DQN,QGRQHVLDGDQEDQNODLQ

H &XUUHQWDFFRXQWVZLWK%DQN,QGRQHVLDDQG RWKHUEDQNV Current accounts with Bank Indonesia and other banks are stated at amortized cost using the effective interest rate method less allowance for impairment losses. Current accounts with Bank Indonesia and other banks are classified as loans and receivables.

Giro pada Bank Indonesia dan bank lain dinyatakan sebesar biaya perolehan diamortisasi menggunakan metode suku bunga efektif dikurangi cadangan kerugian penurunan nilai. Giro pada Bank Indonesia dan bank lain diklasifikasikan sebagai kredit yang diberikan dan piutang. I

3HQHPSDWDQSDGD%DQN,QGRQHVLDGDQEDQN  ODLQ

I

3ODFHPHQWVZLWK%DQN,QGRQHVLDDQGRWKHU EDQNV

Penempatan pada Bank Indonesia dan bank lain merupakan penanaman dana pada Bank Indonesia berupa deposit facility dan deposit facility syariah, sedangkan penempatan pada bank lain berupa deposito berjangka.

Placements with Bank Indonesia and other banks represent placements of funds in Bank Indonesia in the form of deposit facility and sharia deposit facility, whereas placement with other banks is in the form of time deposit.

Penempatan pada Bank Indonesia dan bank lain dinyatakan sebesar biaya perolehan diamortisasi menggunakan metode suku bunga efektif dikurangi cadangan kerugian penurunan nilai. Penempatan pada Bank Indonesia dan bank lain diklasifikasikan sebagai kredit yang diberikan dan piutang.

Placements with Bank Indonesia and other banks are stated at amortized cost using the effective interest rate method less allowance for impairment losses. Placements with Bank Indonesia and other banks are classified as loans and receivables.

J 6XUDWEHUKDUJD

J 0DUNHWDEOHVHFXULWLHV

Surat berharga yang dimiliki terdiri dari Sertifikat Bank Indonesia, Sertifikat Deposito Bank Indonesia, dan obligasi yang diperdagangkan di bursa efek.

Marketable securities consist of Certificates of Bank Indonesia, Deposit Certificates of Bank Indonesia, and bonds traded on the stock exchange.

Surat berharga syariah diklasifikasikan sebagai dimiliki hingga jatuh tempo.

Sharia marketable securities are classified as held-to-maturity.

Surat berharga pada awalnya disajikan sebesar nilai wajar. Setelah pengakuan awal, surat berharga dicatat sesuai kategorinya, yaitu tersedia untuk dijual, dimiliki hingga jatuh tempo atau nilai wajar melalui laba rugi.

Marketable securities are initially measured at fair value. Subsequently, marketable securities are accounted for depending on their classification as available-for-sale, held-tomaturity or fair value through profit or loss.

38 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  J 6XUDWEHUKDUJD ODQMXWDQ



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  J 0DUNHWDEOHVHFXULWLHV FRQWLQXHG 

Pengukuran surat-surat berharga dinyatakan berdasarkan klasifikasinya sebagai berikut:

Measurement of securities is stated based on the classification of the securities as follows:

1.

1.

Surat-surat berharga yang dimiliki hingga jatuh tempo dicatat pada biaya perolehan yang diamortisasi menggunakan metode suku bunga efektif.

Held-to-maturity marketable securities are carried at amortized cost using the effective interest rate method.

Bank dan entitas anak tidak mengklasifikasikan surat-surat berharga yang dimiliki hingga jatuh tempo sebagai aset keuangan dimiliki hingga jatuh tempo, jika dalam tahun berjalan atau dalam kurun waktu dua tahun sebelumnya Bank telah menjual atau mereklasifikasi surat-surat berharga yang dimiliki hingga jatuh tempo dalam jumlah yang lebih dari jumlah yang tidak signifikan (more than insignificant) sebelum jatuh tempo selain dari pada penjualan atau reklasifikasi yang telah dijelaskan dalam PSAK No. 55 (Revisi 2011) yang dapat diaplikasikan dalam periode yang relevan.

The Bank and subsidiaries do not classify held-to-maturity marketable securities as held-to-maturity financial assets if the Bank or subsidiaries have, during the current financial year or during the two preceding years, sold or reclassified more than an insignificant amount of held-tomaturity marketable securities prior to maturity other than sales or reclassifications defined in SFAS No. 55 (Revised 2011) applicable in the relevant periods.

2.

Surat-surat berharga yang diklasifikasikan sebagai investasi tersedia untuk dijual dinyatakan pada nilai wajar. Pendapatan bunga diakui dalam laporan laba rugi komprehensif menggunakan metode suku bunga efektif. Laba atau rugi selisih kurs atas surat-surat berharga diakui pada laporan laba rugi komprehensif. Perubahan nilai wajar lainnya diakui langsung dalam ekuitas sampai surat-surat berharga dijual atau mengalami penurunan nilai, dimana akumulasi keuntungan dan kerugian yang sebelumnya diakui dalam ekuitas diakui dalam laporan laba rugi komprehensif

2. Marketable securities which are classified under available-for-sale investments are stated at fair value. Interest income is the statement of recognized in comprehensive income using the effective interest method. Foreign exchange gains or losses on availablefor-sale securities are recognized in the statement of comprehensive income. Other fair value changes are recognized directly in equity until the securities is sold or impaired, whereby the cumulative gains and losses previously recognized in the equity are recognized in the statement of comprehensive income.

3.

Surat-surat berharga dalam kategori nilai wajar melalui laba rugi dinyatakan pada nilai wajar.

3.

Fair value through profit or loss marketable securities are carried at fair value. Unrealized gains or losses resulting from changes in fair values are recognized in the current year consolidated statement of comprehensive income. The interest income from marketable securities is recorded in the consolidated statement of comprehensive income according to the terms of the contract.

Keuntungan atau kerugian yang belum direalisasi akibat kenaikan atau penurunan nilai wajarnya disajikan dalam laporan laba rugi komprehensif konsolidasian tahun berjalan. Pendapatan bunga dari surat-surat berharga dicatat dalam laporan laba rugi komprehensif konsolidasian sesuai dengan persyaratan dalam kontrak.

657

 39 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

658



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  J 6XUDWEHUKDUJD ODQMXWDQ



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  J 0DUNHWDEOHVHFXULWLHV FRQWLQXHG  Measurement of securities is stated based on the classification of the securities as follows: (continued)

Pengukuran surat-surat berharga dinyatakan berdasarkan klasifikasinya sebagai berikut: (lanjutan)  3.

3.

Surat-surat berharga dalam kategori nilai wajar melalui laba rugi dinyatakan pada nilai wajar (lanjutan).

Fair value through profit or loss marketable securities are carried at fair value (continued).

 Atas penjualan portofolio surat-surat berharga untuk nilai wajar melalui laporan laba rugi, perbedaan antara harga jual dengan nilai pasar wajar diakui sebagai keuntungan atau kerugian penjualan pada tahun dimana surat-surat berharga tersebut dijual.

Upon sale of portfolio of fair value through profit or loss marketable securities, the difference between the selling price and the fair value is recognized as a gain or loss in the year when the marketable securities are sold.

Surat-surat berharga yang diperdagangkan secara aktif di pasar keuangan yang terorganisasi, nilai wajar tersebut umumnya ditentukan dengan mengacu pada harga penawaran pasar yang terjadi di bursa efek pada tanggal yang terdekat dengan tanggal laporan posisi keuangan konsolidasian, kemudian disesuaikan dengan biaya-biaya yang akan dikeluarkan untuk memperoleh aset tersebut.

Marketable securities that are actively traded in organized financial markets, fair value is generally determined by reference to quoted market bid prices by the stock exchanges at the date close to the consolidated statement of financial position date, adjusted for transaction costs necessary to realize the assets..

Untuk surat-surat berharga yang tidak mempunyai harga penawaran pasar, estimasi atas nilai wajar surat-surat berharga ditetapkan dengan mengacu pada nilai wajar instrumen lain yang substansinya sama atau dihitung berdasarkan arus kas yang diharapkan terhadap aset bersih surat-surat berharga tersebut. Bank dan entitas anak menggunakan harga penawaran pasar yang terjadi di bursa efek pada tanggal yang terdekat dengan tanggal laporan posisi keuangan konsolidasian sebagai nilai wajar.

For marketable securities where there is no quoted market price, a reasonable estimate of the fair value is determined by reference to the current market value of another instrument which is substantially the same or is calculated based on the expected cash flows of the underlying net asset base of securities. The Bank and subsidiaries used quoted market bid prices by the stock exchange at the date close to the consolidated statement of financial position as their fair value.

K (IHNHIHN \DQJ GLEHOL GHQJDQ MDQML GLMXDO  NHPEDOL 5HYHUVH5HSR 

K 0DUNHWDEOH VHFXULWLHV SXUFKDVHG XQGHU DJUHHPHQWVWRUHVHOO 5HYHUVH5HSR 



Securities purchased under agreement to resell are presented as assets in the consolidated statement of financial position, at the resale price net of unamortized interest and net of allowance for impairment losses. The difference between the purchase price and the resale price is treated as unearned interest income (unamortized) and recognized as income over the period starting from when those securities are purchased until they are resold using effective interest rate method.

Efek-efek yang dibeli dengan janji untuk dijual kembali disajikan sebagai aset keuangan dalam laporan posisi keuangan konsolidasian sebesar jumlah penjualan kembali dikurangi dengan bunga yang belum diamortisasi dan cadangan kerugian penurunan nilai. Selisih antara harga beli dan harga jual kembali diperlakukan sebagai pendapatan bunga yang ditangguhkan (belum diamortisasi) dan diakui sebagai pendapatan selama periode sejak efek-efek tersebut dibeli hingga dijual kembali dengan menggunakan suku bunga efektif. 

40 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
659



 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ 

 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG 

K (IHNHIHN \DQJ GLEHOL GHQJDQ MDQML GLMXDO  NHPEDOL 5HYHUVH5HSR  ODQMXWDQ 

K 0DUNHWDEOH VHFXULWLHV SXUFKDVHG XQGHU DJUHHPHQWV WR UHVHOO 5HYHUVH 5HSR  FRQWLQXHG 



Marketable securities purchased under agreements to resell (Reverse Repo) are classified as loans and receivables.

Efek-efek yang dibeli dengan janji untuk dijual kembali (Reverse Repo) diklasifikasikan sebagai kredit yang diberikan dan piutang. L

:HVHOHNVSRUGDQWDJLKDQODLQQ\D Wesel ekspor dan tagihan lainnya terdiri atas tagihan dari letters of credit dan Surat Kredit Berdokumen Dalam Negeri (SKBDN) kepada eksportir.

M



%LOOVDQGRWKHUUHFHLYDEOHV Bills and other receivables consist of receivables from letters of credit and Domestic Documentary Letters of Credit to exporters.

Wesel ekspor dan tagihan lainnya dicatat pada biaya perolehan diamortisasi setelah dikurangi cadangan kerugian penurunan nilai.

Bills and other receivables are stated at amortized cost less allowance for impairment losses.

Wesel ekspor dan tagihan lainnya diklasifikasikan sebagai kredit yang diberikan dan piutang.

Bills and other receivables are classified as loans and receivables.

,QVWUXPHQNHXDQJDQGHULYDWLI

M'HULYDWLYHILQDQFLDOLQVWUXPHQWV



Instrumen keuangan derivatif dinilai dan diakui di laporan posisi keuangan konsolidasian pada nilai wajar dikurangi cadangan kerugian penurunan nilai. Setiap kontrak derivatif dicatat sebagai aset apabila memiliki nilai wajar positif dan sebagai liabilitas apabila memiliki nilai wajar negatif.

Derivatives financial instruments are valued and recognized in the consolidated statement of financial position at fair value. Each derivatives contract is carried as asset when the fair value is positive and as liability when the fair value is negative.

Tagihan dan liabilitas derivatif diklasifikasikan sebagai aset dan liabilitas keuangan yang diukur pada nilai wajar melalui laporan laba rugi.

Derivatives receivable and payable are classified as financial assets and liabilities measured at fair value through profit or loss.

Keuntungan atau kerugian yang terjadi dari perubahan nilai wajar diakui dalam laporan laba rugi komprehensif konsolidasian.

Gains or losses resulting from fair value changes are recognized in the consolidated statement of comprehensive income.

Nilai wajar instrumen derivatif ditentukan diskonto arus kas dan model penentu harga atau harga yang diberikan oleh broker (quoted price) atas instrumen lainnya yang memiliki karakteristik serupa. N

L



.UHGLW\DQJGLEHULNDQ

The fair value of derivatives instruments is determined based on discounted cash flows and pricing models or quoted prices from brokers of other instruments with similar characteristics. N /RDQV Loans represent the lending of money or equivalent receivables under contracts with borrowers, where the borrowers are required to repay their debts with interest after a specified period of time.

Kredit yang diberikan merupakan penyediaan uang atau tagihan yang dapat disamakan dengan itu, berdasarkan kesepakatan dengan pihak penerima kredit dan mewajibkan pihak penerima kredit untuk melunasi setelah jangka waktu tertentu dengan imbalan bunga. 41

bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

660

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 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  N .UHGLW\DQJGLEHULNDQ ODQMXWDQ



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Kredit yang diberikan pada awalnya diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dan biaya tambahan untuk memperoleh aset keuangan tersebut. Setelah pengakuan awal diukur pada biaya perolehan diamortisasi menggunakan metode suku bunga efektif dikurangi dengan cadangan kerugian penurunan nilai.

Loans are initially measured at fair value plus transaction cost that are directly attributable and additional cost to obtain the financial assets. Subsequently measured at their amortized cost using the effective interest rate method, net of allowance for impairment losses.

Kredit yang diberikan diklasifikasikan sebagai kredit yang diberikan dan piutang.

Loans are classified as loans and receivables.

Kredit yang diberikan dalam pinjaman sindikasi ataupun penerusan kredit dinyatakan sebesar pokok kredit sesuai dengan porsi risiko yang ditanggung oleh Bank.

Loans under syndication or channelling are stated at the principal amount equal to the risk portion assumed by the Bank.

Restrukturisasi kredit meliputi adanya perpanjangan jangka waktu pembayaran dan ketentuan kredit yang baru. Saat persyaratan kredit telah dinegosiasi ulang atau dimodifikasi (kredit restrukturisasi), penurunan nilai yang ada diukur dengan menggunakan suku bunga efektif awal yang digunakan sebelum persyaratan diubah dan tidak lagi diperhitungkan sebagai kredit menunggak.

Loan restructuring may involve extending the payment arrangements and the agreement of new loans conditions. When the loan terms have been renegotiated or modified (restructured loans), any impairment is measured using the original effective interest rate as calculated before the modification of terms and the loan is no longer considered past due.

Kredit yang direstrukturisasi disajikan sebesar nilai yang lebih rendah antara nilai tercatat kredit pada tanggal restrukturisasi atau nilai tunai penerimaan kas masa depan setelah restrukturisasi. Kerugian akibat selisih antara nilai tercatat kredit pada tanggal restrukturisasi dengan nilai tunai penerimaan kas masa depan setelah restrukturisasi diakui dalam laporan laba rugi komprehensif. Setelah restrukturisasi, semua penerimaan kas masa depan yang ditetapkan dalam persyaratan baru dicatat sebagai pengembalian pokok kredit yang diberikan dan pendapatan bunga sesuai dengan syarat-syarat restrukturisasi.

Restructured loans are stated at the lower of carrying value on the date of restructuring or value of the future cash receipts after the restructuring. Losses resulting from the difference between the carrying value on the date of restructuring the present value of future cash receipts after the restructuring is recognized in the statement of comprehensive income. After the restructuring, all future cash receipts specified by the new terms are recorded as a return of principal loans and interest income in accordance with the terms of the restructuring.

Kredit yang diberikan dihapusbukukan ketika tidak terdapat prospek yang realistis mengenai pengembalian kredit atau hubungan antara Bank dan entitas anak dengan debitur telah berakhir. Kredit yang tidak dapat dilunasi dihapusbukukan dengan mendebit cadangan kerugian penurunan nilai.

Loans are written off when there is no realistic prospect of collection or when the Bank’s and subsidiaries’ relationship with the borrowers has ceased. When loans are deemed uncollectible, they are written off against the related allowance for impairment losses.

42 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pembiayaan/piutang berdasarkan prinsip syariah adalah penyediaan uang atau tagihan yang dapat disamakan dengan itu, yang timbul dari transaksi berdasarkan prinsip jual beli dan bagi hasil antara bank dengan pihak lain selama jangka waktu tertentu.

Sharia financing/receivables is receivables from providing funds or other similar form of receivables arising from transactions carried out based on sale or purchase arrangements and profit sharing between the Bank and other parties for a certain period of time.

Piutang tersebut meliputi piutang murabahah, piutang istishna dan qardh, untuk pembiayaan meliputi pembiayaan mudharabah dan pembiayaan musyarakah.

Such receivables consist of receivables arising from murabahah transactions, istishna transactions dan qardh transactions, for financing consist of mudharabah financing and musyarakah financing.

Murabahah adalah akad jual beli antara nasabah dengan Bank, dimana Bank membiayai kebutuhan investasi dan modal kerja nasabah yang dijual dengan harga pokok ditambah dengan keuntungan yang diketahui dan disepakati bersama. Pembayaran atas pembiayaan ini dilakukan dengan cara mengangsur dalam jangka waktu yang ditentukan.

Murabahah is a sale or purchase contract between the customer and Bank, whereby Bank finances the investment and working capital needs of the customer sold with a principal price plus a certain margin that is mutually informed and agreed. Repayment on this financing is made in installments within a specified period.

Sebelum 1 Januari 2014, piutang murabahah disajikan sebesar nilai neto yang dapat direalisasikan yakni saldo piutang dikurangi cadangan kerugian penurunan nilai. Marjin murabahah yang ditangguhkan disajikan sebagai pos lawan piutang murabahah.

Before January 1, 2014, murabahah receivables are stated at net realizable value, which is, the balance of the receivables less allowance for impairment losses. Deferred murabahah margin is presented as a contra account of murabahah receivables.

Setelah tanggal 1 Januari 2014, piutang murabahah pada awalnya diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dan merupakan biaya tambahan untuk memperoleh aset keuangan tersebut dan setelah pengakuan awal diukur pada biaya perolehan diamortisasi menggunakan metode margin efektif dikurangi dengan cadangan kerugian penurunan nilai.

After January 1, 2014, murabahah receivables initially measured at fair value plus direct attributable transaction cost and is an additional cost to obtain the respected financial assets, and after the initial recognition murabahah receivables are measured at amortized cost using the effective margin method less any allowance for impairment losses.

Mudharabah merupakan pembiayaan kerjasama antara Bank sebagai pemilik dana (shahibul maal) dengan nasabah sebagai pelaksana usaha (mudharib) selama jangka waktu tertentu. Pembagian hasil keuntungan dari proyek atau usaha tersebut ditentukan sesuai dengan nisbah (pre-determined ratio) yang telah disepakati bersama. Pada tanggal laporan posisi keuangan, pembiayaan mudharabah dinyatakan sebesar saldo pembiayaan dikurangi dengan saldo cadangan kerugian penurunan nilai yang dibentuk berdasarkan hasil review oleh manajemen terhadap kualitas pembiayaan yang ada.

Mudharabah represents joint financing between the Bank as the owner of the fund (shahibul maal) and the customer as the business executor (mudharib), during a certain period. Distribution of profit sharing on a project or other business activity is determined in accordance with the mutually agreed nisbah (pre-determined ratio). At statement of financial position date, mudharabah financing is stated at the outstanding financing balance less allowance for impairment losses which is provided based on the management’s review on the financing quality.

43 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

662

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Musyarakah adalah akad kerjasama yang terjadi diantara para pemilik modal (mitra musyarakah) untuk menggabungkan modal dan melakukan usaha secara bersama dalam suatu kemitraan dengan nisbah pembagian hasil sesuai dengan kesepakatan, sedangkan kerugian ditanggung secara proporsional sesuai dengan kontribusi modal. Pada tanggal laporan posisi keuangan konsolidasian, pembiayaan musyarakah dinyatakan sebesar saldo pembiayaan dikurangi dengan saldo cadangan kerugian penurunan nilai yang dibentuk berdasarkan hasil review oleh manajemen terhadap kualitas pembiayaan yang ada.

Musyarakah is a partnership contract among fund owners (musyarakah partners) to contribute funds and conduct business on a joint basis through partnership with profit sharing based on a predetermined ratio, while loss is shouldered proportionally based on the capital contribution. At consolidated statement of financial position date, musyarakah financing is stated at the outstanding balance of the financing less allowance for impairment losses based on the management’s review on the financing quality.

Istishna adalah akad penjualan antara almustashni (pembeli) dan al-shani (produsen yang juga bertindak sebagai penjual). Berdasarkan akad tersebut, pembeli menugasi produsen untuk membuat atau mengadakan al-mashnu (barang pesanan) sesuai spesifikasi yang diisyaratkan pembeli dan menjualnya dengan harga yang disepakati. Piutang istishna disajikan sebesar tagihan termin kepada pembeli akhir dikurangi cadangan kerugian penurunan nilai.

Istishna is a purchase agreement between an al-mustashni (buyer) and an al-shani (manufacturer also acting as the seller). Based on the contract, the buyer orders the manufacturer to make or to supply al-mashnu (goods ordered) according to the specifications required by the buyer and to sell them at an agreed price. Istishna receivables are presented based on the outstanding billings to the final buyer less allowance for impairment losses.

Piutang qardh diakui sebesar jumlah dana dipinjamkan pada saat terjadinya. Kelebihan penerimaan dari pinjaman qardh diakui sebagai pendapatan pada saat terjadinya.

A qardh receivable is recognized in the amount of financing granted at the transaction date. Any excess amount paid by the borrower in repaying a qardh receivable is recognized as revenue upon receipt.

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At each consolidated statement of financial position date the Bank and subsidiaries assess whether there is objective evidence that financial assets not carried at fair value through profit and loss are impaired. Financial assets are impaired when objective evidence demonstrates that loss event has occurred after the initial recognition of the asset, and that the loss event has an impact on the future cash flow on the asset that can be estimated reliably.

Pada setiap tanggal laporan posisi keuangan konsolidasian, Bank dan entitas anak mengevaluasi apakah terdapat bukti obyektif bahwa aset keuangan yang tidak dicatat pada nilai wajar melalui laporan laba rugi telah mengalami penurunan nilai. Aset keuangan mengalami penurunan nilai jika bukti obyektif menunjukkan bahwa peristiwa yang merugikan telah terjadi setelah pengakuan awal aset keuangan, dan peristiwa tersebut berdampak pada arus kas masa datang atas aset keuangan yang dapat diestimasi secara handal.

44 bank bjb Laporan Tahunan 2014

RI

The original consolidated financial statements included herein are in the Indonesian language.

 

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Kriteria yang digunakan oleh Bank dan entitas anak untuk menentukan bukti obyektif dari penurunan nilai adalah sebagai berikut:

The criteria used by the Bank and subsidiaries to determine objective evidence from the impairment are as follows:

a.

kesulitan keuangan signifikan yang dialami penerbit atau pihak peminjam;

a.

significant financial difficulties by the issuer or debtor;

b.

pelanggaran kontrak, seperti terjadinya wanprestasi atau tunggakan pembayaran pokok atau bunga;

b.

breach of contract, like defaults or deferred principal or interest payments;

c.

pihak pemberi pinjaman, dengan alasan ekonomi atau hukum sehubungan dengan kesulitan keuangan yang dialami pihak peminjam, memberikan keringanan (konsesi) pada pihak peminjam yang tidak mungkin diberikan jika pihak peminjam tidak mengalami kesulitan tersebut;

c.

the creditor, with economic or legal reason relating to the financial difficulties of the debtor, provided relief (concession) to the debtor that the creditor would not otherwise consider;

d.

terdapat kemungkinan bahwa pihak peminjam akan dinyatakan pailit atau melakukan reorganisasi keuangan lainnya;

d.

there is a possibility that the debtor will enter into bankruptcy or other financial reorganization;

e.

hilangnya pasar aktif dari aset keuangan akibat kesulitan keuangan; atau

e.

the loss of an active market on financial assets as the result of financial difficulties; or

f.

data yang dapat diobservasi mengindikasikan adanya penurunan yang dapat diukur atas estimasi arus kas masa datang dari kelompok aset keuangan sejak pengakuan awal aset dimaksud, meskipun penurunannya belum dapat diidentifikasi terhadap aset keuangan secara individual dalam kelompok aset tersebut, termasuk:

f.

observable data has indicated that there is measured decrease in the estimated future cash flow estimation of financial assets since initial measurement of the assets, although the impairment cannot be identified to individual financial assets in the portfolio, including:

-

memburuknya status pembayaran pihak peminjam dalam kelompok tersebut; dan

-

deterioration of the payment status of the debtor in the portfolio; and

-

kondisi ekonomi nasional atau lokal yang berkorelasi dengan wanprestasi atas aset dalam kelompok tersebut.

-

national or local economic condition is related to the default on assets in the portfolio.

45 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

664

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Estimasi periode antara terjadinya peristiwa dan teridentifikasinya kerugian ditentukan oleh manajemen untuk setiap portofolio yang diidentifikasi. Pada umumnya, periode tersebut bervariasi antara 3 (tiga) dan 12 (dua belas) bulan, dan untuk kasus tertentu diperlukan periode yang lebih lama.

The estimated of period between the occurrence of events and identification of loss are determined by management for every identified portfolio. Generally, that period varies between 3 (three) and 12 (twelve) months, and for specific cases, it may need longer period.

Bank dan entitas anak pertama kali menentukan apakah terdapat bukti obyektif penurunan nilai secara individual atas aset keuangan yang signifikan secara individual atau kolektif untuk aset keuangan yang tidak signifikan secara individual. Jika Bank dan entitas anak menentukan tidak terdapat bukti obyektif mengenai penurunan nilai atas aset keuangan yang dinilai secara individual, terlepas aset keuangan tersebut signifikan atau tidak, maka Bank dan entitas anak memasukkan aset tersebut ke dalam kelompok aset keuangan yang memiliki karakteristik risiko kredit yang serupa dan menilai penurunan nilai kelompok tersebut secara kolektif.

The Bank and subsidiaries first assess whether objective evidence of impairment exists individually for financial assets that are individually significant, or collectively for financial assets that are not individually significant. If the Bank and subsidiaries determine that no objective evidence of impairment exists for an individually assessed financial asset, whether significant or not, they include the asset in a group of financial assets with similar credit risk characteristics and collectively assesses them for impairment.

Bank dan entitas anak menetapkan kredit yang harus dievaluasi penurunan nilainya secara individual, jika memenuhi salah satu kriteria di bawah ini:

The Bank and subsidiaries determine that loans should be evaluated for impairment individually if one of the following criteria is met:

1.

Kredit yang secara individual memiliki nilai signifikan dan memiliki bukti objektif penurunan nilai;

1.

Loans which individually have significant value and objective evidence of impairment;

2.

Kredit yang direstrukturisasi yang secara individual memiliki nilai signifikan.

2.

Restructured loans which have significant value.

individually

Berdasarkan kriteria di atas, Bank dan entitas anak melakukan penilaian secara individual untuk: (a) Kredit dengan kolektibilitas kurang lancar, diragukan dan macet; atau (b) Kredit yang direstrukturisasi.

Based on the above criteria, the Bank and subsidiaries perform individual assessment for: (a) Loans with collectibility classification as substandard, doubtful, and loss; or (b) Restructured loans.

Bank dan entitas anak menetapkan kredit yang harus dievaluasi penurunan nilainya secara kolektif, jika memenuhi salah satu kriteria dibawah ini:

The Bank and subsidiaries determine loans to be evaluated for impairment through collective evaluation if one of the following criteria is met:

1. Kredit yang secara individual memiliki nilai signifikan namun tidak memiliki bukti objektif penurunan nilai;

1. Loans which individually have significant value but there is no objective evidence of impairment;

46 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Bank dan entitas anak menetapkan kredit yang harus dievaluasi penurunan nilainya secara kolektif, jika memenuhi salah satu kriteria dibawah ini (lanjutan):

The Bank and subsidiaries determine loans to be evaluated for impairment through collective evaluation if one of the following criteria is met (continued):

2. Kredit yang secara individual memiliki nilai tidak signifikan;

2. Loans which insignificant value;

individually

have

3. Kredit yang direstrukturisasi yang secara individual memiliki nilai tidak signifikan.

3. Restructured loans which have insignificant value.

4. Kredit yang memiliki indikasi penurunan nilai namun tidak dibentuk penyisihan karena setelah dilakukan penilaian, nilai tercatat kredit lebih rendah dari nilai kini arus kas di masa yang akan datang.

4. Loans with indicators of impairment but no allowance was provided after asessment because the carrying amount of the loan is lower than the present value of future cash flow.

Berdasarkan kriteria di atas, penilaian secara kolektif dilakukan untuk: (a) Kredit dalam segmen pasar korporasi dan usaha menengah dengan kolektibilitas lancar dan dalam perhatian khusus serta tidak pernah direstrukturisasi; atau (b) Kredit dengan segmen pasar usaha kecil dan konsumen.

Based on the above criteria, collective assessment is performed for: (a) Corporate and middle loans with collectibility classification as current and special mention, and have never been restructured; or (b) Retail and consumer loans.

Bank menggunakan metode roll rate analisis yang merupakan suatu metode analisis statistik, untuk menilai cadangan kerugian penurunan nilai atas kredit yang diberikan secara kolektif. Dengan metode ini, Bank menggunakan data historis 3 (tiga) tahun dalam menghitung Probability of Default (PD) dan Loss Given Default (LGD).

The Bank uses the roll rate analysis method, which is a statistical model analysis method to collectively assess allowance for impairment losses on loans. Under this method, the Bank uses 3 (three) years of historical data to compute for the Probability of Default (PD) and Loss Given Default (LGD).

Bank menggunakan nilai wajar agunan sebagai dasar arus kas masa datang apabila memenuhi salah satu kondisi berikut:

Bank uses the fair value of collateral as the basis for the future cash flow if one of the following conditions is met:

1.

Kredit bersifat collateral dependent, yaitu jika pelunasan kredit hanya bersumber dari agunan;

1.

Loans are collateral dependent, i.e, if the source of loans repayment is only from collateral;

2.

Pengambilalihan agunan kemungkinan besar terjadi dan didukung dengan perjanjian legal pengikatan agunan.

2.

Foreclosure of collateral is most likely to occur and supported by legally binding collateral agreement.

individually

47 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Kerugian penurunan nilai atas aset keuangan yang dicatat pada biaya perolehan diamortisasi diukur sebesar selisih antara nilai tercatat aset keuangan dengan nilai kini estimasi arus kas masa datang yang didiskonto menggunakan suku bunga efektif awal dari aset keuangan tersebut. Jika kredit yang diberikan atau surat-surat berharga dimiliki hingga jatuh tempo memiliki suku bunga variabel, maka tingkat diskonto yang digunakan untuk mengukur setiap kerugian penurunan nilai adalah suku bunga efektif terkini.

Impairment losses on financial assets carried at amortized cost are measured as the difference between the carrying amount of the financial assets and present value of estimated future cash flows discounted at the financial assets original effective interest rate. If loans or held-to-maturity marketable securities have variable interest rate, the discount rate used to measure loss on impairment is the current effective interest rate.

Sebagai panduan praktis, Bank dapat mengukur penurunan nilai berdasarkan nilai wajar instrumen dengan menggunakan harga pasar yang dapat diobservasi, dimana perhitungan nilai kini dari estimasi arus kas masa datang atas aset keuangan dengan agunan (collateralized financial asset) mencerminkan arus kas yang dapat dihasilkan dari pengambilalihan agunan dikurangi biayabiaya untuk memperoleh dan menjual agunan, terlepas apakah pengambilalihan tersebut berpeluang terjadi atau tidak.

As a practical guidance, the Bank can measure the impairment based on the instrument’s fair value by using observable market price, where the calculation of present value of estimated future cash flows on collateralized financial assets reflects the generated cash flow from the foreclosure of collateral net of costs to acquire and sell the collateral, regardless whether such acquisition occurs or not.

Kerugian penurunan nilai yang terjadi diakui pada laporan laba rugi komprehensif konsolidasi dan dicatat pada akun “Cadangan kerugian penurunan nilai” sebagai pengurang terhadap aset keuangan yang dicatat pada biaya perolehan diamortisasi.

Impairment losses are recognized in the consolidated statement of comprehensive income and reflected in an “Allowance for impairment losses” account as a deduction from financial assets carried at amortized cost.

Pendapatan bunga atas aset keuangan yang mengalami penurunan nilai tetap diakui atas dasar suku bunga yang digunakan untuk mendiskonto arus kas masa datang dalam pengukuran kerugian penurunan nilai.

Interest income on the impaired financial assets continues to be recognized using the rate of interest used to discount the future cash flow for the purpose of measuring the impairment loss.

Ketika peristiwa yang terjadi setelah tanggal laporan posisi keuangan konsolidasian menyebabkan jumlah kerugian penurunan nilai berkurang, kerugian penurunan nilai yang sebelumnya diakui harus dipulihkan dan pemulihan tersebut diakui dalam laba rugi pada laporan laba rugi komprehensif konsolidasian.

When subsequent event causes the amount of impairment loss to decrease, the impairment loss is reversed through profit or loss in the consolidated statements of comprehensive income.

48 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Kerugian penurunan nilai atas surat-surat berharga yang tersedia untuk dijual diakui dengan mengeluarkan kerugian kumulatif yang telah diakui secara langsung dalam ekuitas ke dalam laporan laba rugi komprehensif konsolidasian. Jumlah kerugian kumulatif yang dikeluarkan dari ekuitas dan diakui pada laporan laba rugi komprehensif konsolidasian merupakan selisih antara biaya perolehan, setelah dikurangi dengan nilai pelunasan pokok dan amortisasi, dengan nilai wajar kini, dikurangi kerugian penurunan nilai aset keuangan yang sebelumnya telah diakui pada laporan laba rugi komprehensif konsolidasian. Perubahan cadangan penurunan nilai yang diatribusikan ke dalam nilai waktu tercermin sebagai bagian dari pendapatan bunga.

Impairment losses on available-for-sale marketable securities are recognized by transferring the cumulative loss that has been recognized directly in equity to the consolidated statement of comprehensive income. The cumulative loss that has been removed from equity and recognized in the consolidated statement of comprehensive income is the difference between the acquisition cost, net of any principal repayment and amortization, and the current fair value, less any impairment loss previously recognized in the consolidated statement of comprehensive income. Changes in impairment provision attributable to time value are reflected as a component of interest income.

Jika pada periode berikutnya, nilai wajar suratsurat berharga yang diklasifikasikan dalam untuk dijual yang kelompok tersedia mengalami penurunan nilai meningkat dan peningkatan tersebut dapat secara obyektif dihubungkan dengan peristiwa yang terjadi setelah pengakuan kerugian penurunan nilai pada laporan laba rugi komprehensif konsolidasian, maka kerugian penurunan nilai tersebut harus dipulihkan dan pemulihan tersebut diakui pada tahun terjadinya.

If in a subsequent period, the fair value of an impaired available-for-sale debt marketable securities increases and the increase can be objectively related to an event occurring after the impairment loss was recognized in the consolidated statement of comprehensive income, the impairment loss is reversed, with the amount of reversal recognized in the year it occured.

Kerugian penurunan nilai yang diakui dalam laba rugi atas investasi instrumen ekuitas yang diklasifikasikan sebagai tersedia untuk dijual tidak dibalik melalui laba rugi.

Impairment losses recognized in profit or loss for an investment in an equity instrument classified as available-for-sale shall not be reversed through profit or loss.

Jika persyaratan kredit yang diberikan, piutang atau surat-surat berharga yang dimiliki hingga ulang atau jatuh tempo dinegosiasi dimodifikasi karena debitur atau penerbit mengalami kesulitan keuangan, maka penurunan nilai diukur dengan suku bunga efektif awal yang digunakan sebelum persyaratan diubah.

If the term on loans receivable or held-tomaturity marketable securities are renegotiated or modified since the debtor or issuer has financial difficulties, the impairment is measured with the original effective interest rate used before the modification of terms.

Jika pada suatu periode berikutnya, jumlah kerugian penurunan nilai berkurang dan pengurangan tersebut dapat dikaitkan secara obyektif pada peristiwa yang terjadi setelah penurunan nilai diakui (seperti meningkatnya peringkat kredit debitur atau penerbit), maka kerugian penurunan nilai yang sebelumnya diakui harus dipulihkan, dengan menyesuaikan akun cadangan. Jumlah pemulihan aset keuangan diakui pada laporan laba rugi komprehensif konsolidasian pada tahun berjalan.

If in the next period, the amount of allowance for impairment losses is decreased and the decreased can be objectively related to an event that occurred after the recognition of the impairment losses (i.e. upgrade of debtor’s or issuer’s collectibility credit rating), the impairment losses that was previously recognized has to be reversed, by adjusting the allowance account. The reversal amount of financial assets is recognized in the current year consolidated statement of comprehensive income. 49 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

668

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Penerimaan kembali atas aset keuangan yang telah dihapusbukukan, pada tahun berjalan dikreditkan dengan menyesuaikan akun cadangan kerugian penurunan nilai. Penerimaan kembali atas kredit yang diberikan yang telah dihapusbukukan pada tahun-tahun sebelumnya dicatat sebagai pendapatan operasional lainnya. Penerimaan pembayaran pembiayaan/piutang syariah yang telah dihapusbukukan dicatat sebagai penambahan cadangan kerugian selama tahun berjalan.

The recoveries of written-off financial assets in the current year are credited by adjusting the allowance for impairment losses accounts. Recoveries of written-off loans from previous years are recorded as other operating income. Recovery of Sharia Financing/Receivables previously written off is recorded as an addition to the allowance for impairment losses in the current year.

Sehubungan dengan kepatuhan terhadap Bank Indonesia (OJK), Bank menerapkan Peraturan Bank Indonesia No. 14/15/PBI/2012 tanggal 24 Oktober 2012 tentang “Penilaian Kualitas Aset Bank Umum” sebagai panduan untuk menghitung minimum cadangan kerugian penurunan nilai yang wajib dibentuk sesuai dengan ketentuan Bank Indonesia. Sedangkan Entitas Anak yang bergerak dalam bidang perbankan syariah (BJBS) menerapkan PBI No.13/13/PBI/2011 tanggal 24 Maret 2011 tentang” Penilaian Kualitas Aktiva bagi Bank Umum Syariah dan Unit Usaha Syariah”.

In compliance with Bank Indonesia (OJK), Bank implements Bank Indonesia Regulation No. 14/15/PBI/2012 dated October 24, 2012 about “Assessment of Commercial Banks’ Asset Quality” as a guideline to calculate required minimum allowance for impairment losses based on Bank Indonesia Regulation. Whereas Bank’s Subsidiary which is engaged in Sharia Banking (BJBS) applies Bank Indonesia Regulation No.13/13/PBI/2011 dated March 24, 2011 on “Asset Quality Assessment for Sharia Commercial Banks and Business Units”.

Cadangan kerugian minimum yang harus dibentuk sesuai dengan Peraturan Bank Indonesia adalah sebagai berikut:

The minimum allowance to be provided in accordance with Bank Indonesia Regulation is as follows:

a.

a. 1% of earning assets classified as Current, excluding placements with Bank Indonesia, Government Bonds, other debt instruments issued by the Government of the Republic of Indonesia and earning assets secured by cash collateral;

b. c. d. e.

1% dari aktiva produktif yang digolongkan Lancar, di luar penempatan pada Bank Indonesia, Obligasi Pemerintah, instrumen hutang lain yang diterbitkan oleh Pemerintah Republik Indonesia dan aktiva produktif yang dijamin dengan agunan tunai; 5% dari aktiva produktif yang digolongkan Dalam Perhatian Khusus setelah dikurangi agunan; 15% dari aktiva produktif yang digolongkan Kurang Lancar setelah dikurangi agunan; 50% dari aktiva produktif yang digolongkan Diragukan setelah dikurangi agunan; dan 100% dari aktiva produktif yang digolongkan Macet setelah dikurangi agunan.

b. 5% of earning assets classified as Special Mention, net of deductible collateral; c. 15% of earning assets classified as Substandard, net of deductible collateral; d. 50% of earning assets classified as Doubtful, net of deductible collateral; and e. 100% of earning assets classified as Loss, net of deductible collateral.

50 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Kriteria penilaian nilai agunan yang dapat dikurangkan dalam pembentukan cadangan kerugian penurunan nilai sesuai dengan Peraturan Bank Indonesia.

The criterias for assessment of the value of collateral that can be deducted in the calculation of allowance for impairment losses are based on Bank Indonesia Regulations.

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Tagihan dan liabilitas akseptasi dinyatakan sebesar biaya perolehan diamortisasi. Tagihan akseptasi disajikan setelah dikurangi cadangan kerugian penurunan nilai.

Acceptances receivable and payable are stated at amortized cost. Acceptances receivable are stated net of allowance for impairment losses.

Tagihan akseptasi diklasifikasikan sebagai pinjaman yang diberikan dan piutang. Liabilitas akseptasi diklasifikasikan sebagai liabilitas keuangan lainnya.

Acceptances receivable are classified as loans and receivables. Acceptances payable are classified as other financial liabilities.

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Penyertaan saham merupakan penanaman dana dalam bentuk saham pada perusahaan non-publik yang bergerak di bidang jasa keuangan yang tidak melalui pasar modal untuk tujuan jangka panjang.

Investment in shares represent investments in non-publicly listed companies engaged in the financial services industry held for long- term purposes.

Perusahaan asosiasi adalah seluruh entitas di mana Bank mempunyai pengaruh signifikan, namun tidak memiliki kendali atas entitasentitas tersebut. Dalam hal ini, Bank umumnya mempunyai persentase kepemilikan 20% sampai dengan 50% hak suara. Penyertaan saham pada perusahaan asosiasi dicatat dengan metode ekuitas dan pada awalnya dicatat sebesar harga perolehan dan disesuaikan dengan bagian Bank atas laba atau rugi neto perusahaan asosiasi sesuai dengan jumlah persentase kepemilikan dan dikurangi dengan penerimaan dividen sejak tanggal akuisisi.

Associates are all entities over which the Bank has significant influence, but does not have control. Generally, the Bank’s shareholding is between 20% and 50% of the voting rights. Investment in associates are accounted for under the equity method and are initially recognized at cost and adjusted for the Bank’s share in net profit or loss of the associated companies less dividends received after the acquisition date.

Untuk penyertaan saham dengan persentase kepemilikan di bawah 20% dicatat dengan metode biaya. Dengan metode ini, penyertaan saham dicatat sebesar biaya perolehan dikurangi dengan cadangan kerugian penurunan nilai, dan tidak memiliki pengaruh yang signifikan. Pendapatan dividen diakui pada saat keputusan pembagian dividen diumumkan.

Investments in shares with an ownership interest below 20% are recorded based on the cost method. Under this method, investments in shares are carried at cost less allowance for impairment losses, and has no significant influence. Dividend income is recognized when the decision to distribute the dividend is declared.

Penyisihan kerugian penurunan nilai atas penyertaan saham dibentuk apabila berdasarkan pendapat manajemen terdapat penurunan nilai secara permanen atas nilai penyertaan.

A provision for impairment losses on investments in shares is made when in the opinion of the management, there is a permanent decline in the value of the investment. 51 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Seluruh aset tetap awalnya diakui sebesar biaya perolehan, yang terdiri atas harga perolehan dan biaya-biaya tambahan yang dapat diatribusikan langsung untuk membawa aset ke lokasi dan kondisi yang diinginkan supaya aset tersebut siap digunakan sesuai dengan maksud manajemen.

All fixed assets are initially recognized at cost, which comprises its purchase price and any costs directly attributable in bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Setelah pengakuan awal, aset tetap dinyatakan pada biaya perolehan dikurangi akumulasi penyusutan dan akumulasi rugi penurunan nilai.

Subsequent to initial recognition, fixed assets are carried at cost less any subsequent accumulated depreciation and impairment losses.

Penyusutan aset dimulai pada saat aset tersebut siap untuk digunakan sesuai maksud penggunaannya dan dihitung dengan menggunakan metode saldo menurun ganda, kecuali untuk penyusutan atas bangunan yang dihitung dengan menggunakan metode garis lurus, berdasarkan taksiran masa manfaat ekonomis aset tetap yang bersangkutan, sebagai berikut:

Depreciation of an asset starts when it is available for use and is computed using a double-declining balance method, except for the depreciation of buildings which are computed using the straight-line method, based on the estimated useful lives of the assets, as follows:





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 Buildings Vehicles Office equipment

Penilaian aset tetap dilakukan atas penurunan dan kemungkinan penurunan nilai wajar aset jika terjadi peristiwa atau perubahan keadaan yang mengindikasikan bahwa nilai tercatat mungkin tidak dapat seluruhnya terealisasi.

The carrying amounts of fixed assets are reviewed for impairment when events or changes in circumstances indicate that the carrying values may not be fully recoverable.

Pada setiap akhir tahun buku, manajemen melakukan pengkajian ulang atas nilai residu, masa manfaat dan metode penyusutan dan disesuaikan secara prospektif, jika diperlukan.

The residual values, useful lives and methods of depreciation of premises and equipment are reviewed by the management and adjusted prospectively, if appropriate, at the end of each year, if necessary.

Jumlah tercatat komponen dari suatu aset tetap dihentikan pengakuannya pada saat dilepaskan atau saat sudah tidak ada lagi manfaat ekonomis masa depan yang diekspektasikan dari penggunaan maupun pelepasannya. Keuntungan atau kerugian yang timbul dari penghentian pengakuan tersebut dimasukkan ke dalam laba rugi untuk tahun penghentian pengakuan tersebut dilakukan.

The carrying amount of an item of fixed assets is derecognized upon disposal or when no future economic benefits are expected from its use or disposal. Any gain or loss arising from the derecognition of the asset is directly included in the profit or loss when the item is derecognized.

52 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Jika biaya perolehan tanah termasuk biaya pembongkaran, pemindahan, dan restorasi lokasi serta manfaat yang diperoleh dari pembongkaran, pemindahan dan pemugaran tersebut terbatas, maka biaya tersebut disusutkan selama periode manfaat yang diperolehnya. Dalam beberapa kasus, tanah itu sendiri memiliki umur manfaat yang terbatas, dalam hal ini disusutkan dengan cara yang mencerminkan manfaat yang diperoleh dari tanah tersebut.

If the cost of land includes the costs of site dismantlement, removal and restoration, and the benefits from the site dismantlement, removal and restoration is limited, that portion of the land asset is depreciated over the period of benefits obtained by incurring those costs. In some cases, the land itself may have a limited useful life, in which case it is depreciated in a manner that reflects the benefits to be derived from it.

Beban pemeliharaan dan perbaikan dibebankan pada operasi pada saat terjadinya. Beban pemugaran dan penambahan dalam jumlah besar dikapitalisasi kepada jumlah tercatat aset tetap terkait bila besar kemungkinan bagi Kelompok Usaha manfaat ekonomi masa depan menjadi lebih besar dari standar kinerja awal yang ditetapkan sebelumnya dan disusutkan sepanjang sisa masa manfaat aset tetap terkait.

Repairs and maintenance is charged to the profit or loss as incurred. The cost of major renovation and restoration is capitalized to the carrying amount of the related premises and equipment when it is probable that future economic benefits in excess of the originally assessed standard of performance of the existing asset and is depreciated over the remaining useful life of the related asset.

Aset dalam penyelesaian

Construction in progress

Aset tetap dalam penyelesaian dicatat sebesar biaya perolehan, yang mencakup kapitalisasi beban pinjaman dan biaya-biaya lainnya yang terjadi sehubungan dengan pendanaan aset tetap dalam penyelesaian tersebut. Akumulasi biaya perolehan akan direklasifikasi ke akun “Aset Tetap” yang bersangkutan pada saat aset tetap tersebut telah selesai dikerjakan dan siap untuk digunakan. Aset tetap dalam penyelesaian tidak disusutkan karena belum tersedia untuk digunakan.

Constructions in-progress are stated at cost, including capitalized borrowing costs and other charges incurred in connection with the financing of the said asset constructions. The accumulated costs will be reclassified to the appropriate “Premises and Equipment” account when the construction is completed and available for intended use. Assets under construction are not depreciated as these are not yet available for use.

Biaya pengurusan legal hak atas tanah dalam bentuk Hak Guna Usaha (“HGU”), Hak Guna Bangunan (“HGB”) dan Hak Pakai (“HP”) ketika tanah diperoleh pertama kali diakui sebagai bagian dari biaya perolehan tanah pada akun “Aset Tetap”. Biaya pengurusan perpanjangan atau pembaruan legal hak atas tanah diakui sebagai aset tidak berwujud dan diamortisasi sepanjang umur hak hukum atau umur ekonomi tanah, mana yang lebih pendek.

The legal cost of land rights in the form of Business Usage Rights (“Hak Guna Usaha” or “HGU”), Building Usage Right (“Hak Guna Bangunan” or “HGB”) and Usage Rights (“Hak Pakai” or “HP”) when the land was initially acquired are recognized as part of the cost of the land under the “Premises and Equipment”. The extension or the legal renewal costs of land rights were recognized as intangible assets and were amortized over the shorter of the rights' legal life and land's economic life.

53 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pada setiap akhir periode pelaporan, Bank menilai apakah terdapat indikasi suatu aset mengalami penurunan nilai. Jika terdapat indikasi tersebut, maka Bank akan membuat estimasi atas jumlah terpulihkan aset tersebut.

The Bank assesses at each annual reporting period whether there is an indication that an asset may be impaired. If any such indication exists, Bank makes an estimate of the asset’s recoverable amount.

Jumlah terpulihkan yang ditentukan untuk aset individual adalah jumlah yang lebih tinggi antara nilai wajar aset atau Unit Penghasil Kas (UPK) dikurangi biaya untuk menjual dan nilai pakainya, kecuali aset tersebut tidak menghasilkan arus kas masuk yang sebagian besar independen dari aset atau kelompok aset lain.

An asset’s recoverable amount is the higher of an asset’s or Cash Generating Unit (CGU)’s fair value less costs to sell and its value in use, and is determined for an individual asset, unless the asset does not generate cash inflows that are largely independent of those from other assets or groups of assets.

Jika nilai tercatat aset lebih besar daripada nilai terpulihkannya, maka aset tersebut dianggap mengalami penurunan nilai dan nilai tercatat aset diturunkan menjadi sebesar nilai terpulihkannya. Rugi penurunan nilai dari operasi yang berkelanjutan diakui pada laporan laba rugi komprehensif konsolidasian sebagai “rugi penurunan nilai”.

Where the carrying amount of an asset exceeds its recoverable amount, the asset is considered impaired and is written down to its recoverable amount. Impairment losses of continuing operations are recognized in the consolidated statement of comprehensive income as “impairment losses”.

Dalam menghitung nilai pakai, estimasi arus kas masa depan neto didiskontokan ke nilai kini dengan menggunakan tingkat diskonto sebelum pajak yang menggambarkan penilaian pasar kini atas nilai waktu uang dan risiko spesifik aset.

In assessing the value in use, the estimated net future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset.

Dalam menentukan nilai wajar dikurangi biaya untuk menjual, digunakan harga penawaran pasar terakhir, jika tersedia. Jika tidak terdapat transaksi tersebut, Bank menggunakan model penilaian yang sesuai untuk menentukan nilai wajar aset. Perhitungan-perhitungan ini dikuatkan oleh pengali penilaian atau indikator nilai wajar yang tersedia.

In determining fair value less costs to sell, recent market transactions are taken into account, if available. If no such transactions can be identified, an appropriate valuation model is used by Bank to determine the fair value of the assets. These calculations are corroborated by valuation multiples or other available fair value indicators.

Kerugian penurunan nilai dari operasi yang berkelanjutan, jika ada, diakui pada laporan laba rugi komprehensif sesuai dengan kategori biaya yang konsisten dengan fungsi aset yang diturunkan nilainya.

Impairment losses of continuing operations, if any, are recognized in the statements of comprehensive income under expense categories that are consistent with the functions of the impaired assets.

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Biaya dibayar dimuka diamortisasi dan dibebankan pada operasi menggunakan metode garis lurus selama masa manfaatnya.

54 bank bjb Laporan Tahunan 2014

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The original consolidated financial statements included herein are in the Indonesian language.

 

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Aset lain-lain terdiri dari piutang bunga, biaya dibayar dimuka, kliring dalam penyelesaian, uang muka dan lain-lain.

Other assets include interests receivable, prepaid expenses, clearing in progress, advances and others.

Aset lain-lain disajikan sebesar nilai tercatat setelah dikurangi dengan cadangan kerugian penurunan nilai.

Other assets are stated at the carrying amounts less allowance for impairment losses.

Pada setiap tanggal laporan posisi keuangan konsolidasian, Bank dan entitas anak melakukan penelaahan terhadap nilai yang dapat diperoleh kembali atas aset nonkeuangan untuk menentukan apakah terdapat indikasi penurunan nilai sebagaimana dijelaskan dalam Catatan 2.q.

At the consolidated statement of financial position date, the Bank and subsidiaries evaluate the recoverable amount of its nonfinancial assets to determine whether there is any indication of impairment as discussed in Note 2.q.

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Liabilitas segera dicatat pada saat timbulnya perintah liabilitas atau diterimanya pemindahbukuan, baik dari nasabah maupun dari bank lain.

Obligations due immediately are recorded at the time the obligations occur or upon receipt of transfer orders from customers or other banks.

Liabilitas segera dicatat berdasarkan biaya perolehan diamortisasi dan diklasifikasikan sebagai liabilitas keuangan lainnya.

Obligations due immediately are stated at amortized cost and classified as other financial liabilities.

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Giro merupakan simpanan nasabah yang dapat digunakan sebagai alat pembayaran, yang penarikannya dapat dilakukan setiap saat melalui cek, atau dengan cara pemindahbukuan dengan bilyet giro atau sarana perintah pembayaran lainnya.

Current accounts represent customers’ funds which can be used as payment instruments, and which can be withdrawn by the depositors at any time through check writing, or transfers between accounts using bilyet giro and other orders of payment or transfer.

Tabungan merupakan simpanan nasabah yang penarikannya hanya dapat dilakukan menurut syarat tertentu yang disepakati.

Savings account represent customers’ funds, which can only be withdrawn by the depositors under agreed conditions.

Deposito berjangka merupakan simpanan nasabah yang penarikannya hanya dapat dilakukan pada waktu tertentu sesuai dengan perjanjian dengan penyimpan.

Time deposits represent customers’ funds, which can only be withdrawn by the depositors at specific maturities according to the deposit agreements.

Giro dan tabungan wadiah merupakan giro dan tabungan wadiah yad-adhamanah yakni titipan dana dalam bentuk giro dan tabungan pihak lain dimana pemilik dana mendapatkan pendapatan bonus.

Wadiah which is a wadiah yad-adhamanah savings and demand deposits on which the customer may receive bonus income.

55 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

674

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Dana syirkah temporer adalah dana yang diterima oleh Bank. Bank mempunyai hak untuk mengelola dan menginvestasikan dana, baik sesuai dengan kebijakan Bank atau kebijakan pembatasan dari pemilik dana, dengan keuntungan dibagikan sesuai dengan kesepakatan.

Temporary syirkah funds represent investment received by the Bank. The Bank has the right to manage and invest funds in accordance with either the Bank’s policy or restriction set by the depositors’ with the agreed profit sharing.

Hubungan antara Bank dan pemilik dana syirkah temporer merupakan hubungan kemitraan berdasarkan akad mudharabah muthlaqah, mudharabah muqayyadah atau musyarakah.

Relationship between the Bank and the owner of temporary syirkah funds are based on partnership mudharabah muthlaqah, mudharabah muqayyadah or musyarakah.

Contoh dari dana syirkah temporer adalah penerimaan dana dari investasi mudharabah muthlaqah, mudharabah muqayyadah, mudharabah musytarakah, dan akun lain yang sejenis.

The example of temporary syirkah funds are investment funds received from mudharabah muthlaqah, mudharabah muqayyadah, mudharabah musytarakah and other similar accounts.

1)

Mudharabah muthlaqah adalah mudharabah dimana pemilik dana (shahibul maal) memberikan kebebasan kepada pengelola dana (mudharib/Bank) dalam pengelolaan investasinya.

1)

Mudharabah muthlaqah represents mudharabah in which the fund owner (shahibul maal) entrusts to fund manager (mudharib/Bank) in managing its investment.

2)

Mudharabah muqayyadah adalah mudharabah dimana pemilik dana memberikan batasan kepada pengelola dana, antara lain mengenai tempat, cara dan atau obyek investasi.

2)

Mudharabah muqayyadah represents mudharabah in which the fund owner sets restrictions against fund manager regarding, among others, the place, the means and/or the object of investment.

3)

Mudharabah musytarakah adalah bentuk mudharabah dimana pengelola dana juga menyertakan modal atau dananya dalam kerja sama investasi.

3)

Mudharabah musytarakah represents mudharabah in which fund manager also submits its capital or fund in the investment.

Temporary syirkah funds can not be classified as liability because the Bank has no obligation to return the fund to the owner when the Bank has loss, unless there is negligence or default by the Bank. Temporary syirkah funds can not be classified as equity since they have maturity and the owner of the funds do not have ownership rights as common shareholders, such as voting rights and right of the profit derived from current assets and noninvestment assets.

tidak dapat Dana syirkah temporer digolongkan sebagai liabilitas. Hal ini karena Bank tidak mempunyai liabilitas, ketika mengalami kerugian, untuk mengembalikan jumlah dana awal dari pemilik dana kecuali akibat kelalaian atau wanprestasi Bank. Dana syirkah temporer tidak dapat digolongkan sebagai ekuitas karena mempunyai waktu jatuh tempo dan pemilik dan tidak mempunyai hak kepemilikan yang sama dengan pemegang saham seperti hak voting dan hak atas realisasi keuntungan yang berasal dari aset lancar dan aset non investasi.

56 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Dana syirkah temporer merupakan salah satu unsur laporan posisi keuangan, hal tersebut sesuai dengan prinsip syariah yang memberikan hak kepada Bank untuk mengelola dana, termasuk untuk mencampur dana dimaksud dengan dana lainnya.

Temporary syirkah funds represent one of the statements of financial position accounts which is in accordance with sharia principle provide right to the Bank to manage and invest fund, including to mixing of one funds with the other funds.

Pemilik dana syirkah temporer memperoleh bagian atas keuntungan sesuai kesepakatan dan menerima kerugian berdasarkan jumlah dana dari masing-masing pihak. Pembagian hasil dana syirkah temporer dapat dilakukan dengan konsep bagi hasil atau bagi untung.

The owner of temporary syirkah funds receive parts of profit in accordance with the agreement and receive loss based on proportion to the total funds. The profit distribution of temporary syirkah funds might be based on profit sharing or revenue sharing concept.

Simpanan nasabah diklasifikasikan sebagai liabilitas keuangan lainnya dan diukur pada biaya perolehan diamortisasi menggunakan suku bunga efektif, kecuali simpanan yang didasarkan pada prinsip perbankan syariah dan dana syirkah temporer yang dinyatakan sebesar kewajiban Bank kepada nasabah. Biaya tambahan yang dapat diatribusikan secara langsung kepada perolehan simpanan nasabah, dikurangkan dari jumlah simpanan yang diterima.

Deposits from customers are classified as other financial liabilities and measured at amortized cost using the effective interest method, except for sharia deposits and temporary syirkah fund which are stated at the Bank’s liability to the customers. Incremental costs that can be attributed directly to the acquisition of deposits from customers are deducted from total deposits received.

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Simpanan dari bank lain terdiri dari liabilitas terhadap bank lain dalam bentuk giro, tabungan, interbank call money dan deposito berjangka.

Deposits from other banks represent liabilities to other banks, in the form of current accounts, savings, interbank call money and time deposits.

Di dalam simpanan dari bank lain termasuk simpanan syariah dalam bentuk giro wadiah.

Deposits from other banks include sharia deposits in the form of wadiah current accounts.

Simpanan dari bank lain diklasifikasikan sebagai liabilitas keuangan dan diukur pada biaya perolehan diamortisasi menggunakan suku bunga efektif kecuali simpanan syariah yang dinyatakan sebesar nilai liabilitas Bank kepada nasabah. Biaya tambahan yang dapat diatribusikan secara langsung dengan perolehan simpanan dari bank lain dikurangkan dari total simpanan yang diterima.

Deposits from other banks are classified as financial liabilities and measured at amortized cost using the effective interest rate except for sharia deposits which are stated at the Bank’s liability amount to the customer. Incremental costs that can be attributed directly to the acquisition of deposits from other banks are deducted from the total deposits received.

Simpanan dari bank lain dinyatakan sesuai jumlah liabilitas terhadap nasabah.

Deposits from other banks are stated at Bank’s liability to the customer.

57 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

676

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Efek-efek yang dijual dengan janji untuk dibeli kembali disajikan sebagai kewajiban dalam laporan posisi keuangan konsolidasian sebesar jumlah pembelian kembali, dikurangi dengan bunga dibayar di muka yang belum diamortisasi. Selisih antara harga jual dan harga beli kembali diperlakukan sebagai biaya dibayar di muka dan diakui sebagai beban selama jangka waktu sejak efek-efek tersebut dijual hingga dibeli kembali menggunakan metode suku bunga efektif.

Securities sold under agreements to repurchase are presented as liabilities in the consolidated statements of financial position, at the repurchase price, net of unamortized prepaid interest. The difference between the selling price and the repurchase price is treated as prepaid expenses and recognized as expense over the period starting from when those securities are sold until they are repurchased using the effective interest method.

Efek-efek yang dijual dengan janji untuk dibeli kembali diklasifikasikan sebagai liabilitas keuangan lainnya yang diukur dengan biaya perolehan diamortisasi.

Securities sold under agreements to repurchase are classified as other financial liabilities measured at amortized cost.

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Efek hutang yang diterbitkan merupakan obligasi yang diterbitkan oleh Bank yang diklasifikasikan sebagai liabilitas keuangan lainnya.

Debt securities issued are bonds issued by the Bank which are classified as other financial liabilities.

Surat berharga yang diterbitkan diakui sebesar nilai wajar pada awalnya dan selanjutnya diukur sebesar biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif (EIR). Biaya perolehan diamortisasi dihitung dengan memperhitungkan adanya diskonto atau premi terkait dengan pengakuan awal dan biaya transaksi yang tidak terpisah dari suku bunga efektif.

The securities issued are recognized initially at fair value and subsequently measured at amortized cost using the effective interest rate method (EIR). Amortized cost is calculated by taking into account any discount or premium associated related to the initial recognition and transaction costs that are an integral part of the effective interest rate.

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Pinjaman yang diterima merupakan dana yang diterima oleh Bank dari Bank Indonesia, Pemerintah dan lembaga pembiayaan lain dengan kewajiban pembayaran berdasarkan perjanjian pinjaman.

Fund borrowings are funds received by the Bank from Bank Indonesia, the Government and other financing institutions with payment obligation based on borrowing agreements.

Pinjaman yang diterima diakui sebesar nilai wajar pada awalnya dan selanjutnya diukur sebesar biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif (EIR). Biaya perolehan diamortisasi dihitung dengan memperhitungkan adanya diskonto atau premi terkait dengan pengakuan awal dan biaya transaksi yang tidak terpisah dari suku bunga efektif.

Fund borrowings are recognized initially at fair value and subsequently measured at amortized cost using the effective interest rate method (EIR). Amortized cost is calculated by taking into account any discount or premium associated related to the initial recognition and transaction costs that are an integral part of the effective interest rate.

58 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pendapatan dan beban bunga diakui pada laporan laba rugi komprehensif konsolidasian dengan menggunakan metode suku bunga efektif. Suku bunga efektif adalah suku bunga yang secara tepat mendiskontokan estimasi pembayaran atau penerimaan kas di masa datang selama perkiraan umur dari aset keuangan atau liabilitas keuangan (atau, jika lebih tepat, digunakan periode yang lebih singkat) untuk memperoleh nilai tercatat bersih dari aset keuangan atau liabilitas keuangan.

Interest income and expenses are recognized in the consolidated statement of comprehensive income using the effective interest method. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts through the expected life of the financial instrument (or, where appropriate, a shorter period) to the carrying amount of the financial asset or financial liability.

Jika aset keuangan atau kelompok aset keuangan serupa telah diturunkan nilainya sebagai akibat kerugian penurunan nilai, maka pendapatan bunga setelahnya diakui berdasarkan suku bunga yang digunakan untuk mendiskonto arus kas masa datang dalam menghitung kerugian penurunan nilai.

If financial assets or group of similar financial asset have been impaired as a consequence of loss on impairment, then the interest income is subsequently based on interest rate used to discount the future cash flows in calculating impairment losses.

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Pendapatan operasi syariah utama terdiri dari pendapatan dari transaksi murabahah dan dari istishna, pendapatan bagi hasil pembiayaan mudharabah dan musyarakah, pendapatan dari transaksi ijarah muntahiyah bittamlik dan pendapatan lainnya. Pendapatan dari transaksi istishna diakui apabila telah terjadi penyerahan barang. Bagi hasil dari pembiayaan mudharabah dan musyarakah diakui pada saat angsuran diterima secara tunai (cash basis). Pendapatan operasi utama lainnya terdiri dari pendapatan dari Sertifikat Wadiah Bank Indonesia, pendapatan dari penempatan pada bank syariah lain dan pendapatan bagi hasil surat berharga syariah. Pendapatan operasi utama lainnya diakui pada saat diterima.

The main sharia operating income consists of income from murabahah and istishna transactions, income from profit sharing of mudharabah and musyarakah financing, income from ijarah muntahiyah bittamlik and other income. Income from istishna is recognized upon delivery of goods. Profit sharing from mudharabah and musyarakah financing is recognized upon collection (cash basis). Other main operating income consists of income derived from Bank Indonesia Wadiah Certificates, placements with other Sharia banks, and revenue sharing from Sharia securities. Other main operating income is recognized upon collection.

59 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

678

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Sebelum 1 Januari 2014, pengakuan pendapatan transaksi murabahah dengan pembayaran tangguh atau secara angsuran dilakukan selama periode akad sesuai dengan metode efektif (anuitas).

Prior to January 1, 2014, murabahah income by deferred payment or by installment is recognized during the period of the contract based on effective method (annuity).

Sejak 1 Januari 2014, pendapatan atas piutang murabahah menggunakan metode setara tingkat imbal hasil efektif (margin efektif).

Since January 1, 2014, income from murabahah receivables using the effective rate of return method (effective margin).

Margin efektif adalah margin yang secara tepat mendiskontokan estimasi pembayaran atau penerimaan kas di masa datang selama perkiraan umur dari piutang murabahah. Pada saat menghitung margin efektif, Bank mengestimasi arus kas di masa datang dengan mempertimbangkan seluruh persyaratan kontraktual dalam instrumen keuangan tersebut, tetapi tidak mempertimbangkan kerugian piutang di masa mendatang. Perhitungan ini mencakup seluruh komisi, provisi dan bentuk lain yang diterima oleh para pihak dalam kontrak yang merupakan bagian tak terpisahkan dari margin efektif, biaya transaksi, dan seluruh premi atau diskon lainnya.

Effective margin is the margin that precisely discounts the estimated future cash payments or receipts through the expected life of the murabahah receivables. When calculating the effective margin, Bank estimates the future cash flows considering all contractual terms of the financial instrument, but does not consider the loss of receivables in the future. This calculation includes all commissions, provision fees and other forms accepted by the parties in the contract that are an inseparable part of the effective margin, transaction costs and all other premiums or discounts.

Pendapatan bagi hasil pembiayaan mudharabah dan musyarakah diakui pada saat diterima atau dalam periode terjadinya hak bagi hasil sesuai porsi bagi hasil (nisbah) yang disepakati.

Mudharabah and musyarakah income are recognized when cash is received or in a period where the right of revenue sharing is due based on agreed portion (nisbah).

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Pendapatan provisi dan komisi yang berkaitan langsung dengan kegiatan pinjaman, atau pendapatan provisi dan komisi yang berhubungan dengan jangka waktu tertentu, diamortisasi sesuai dengan jangka waktu kontrak menggunakan metode suku bunga efektif dan diklasifikasikan sebagai bagian dari pendapatan bunga pada laporan laba rugi komprehensif konsolidasian.

Fees and commissions directly related to lending activities, or fee and commission income which relates to a specific period, is amortized over the term of the contract using the effective interest method and classified as part of interest income in the consolidated statement of comprehensive income.

Pendapatan provisi dan komisi yang tidak berkaitan dengan kegiatan pemberian kredit atau suatu jangka waktu dan/atau terkait dengan pemberian suatu jasa, diakui sebagai pendapatan pada saat terjadinya transaksi dan dicatat pada akun pendapatan operasional lainnya.

Fees and commissions that are not related to the credit activity or a period of time and/or associated with the service provided, are recognized as revenue at the time of the transaction and recorded under other operating income.

60 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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 ,.+7,6$5 .(%,-$.$1 $.817$16, <$1*  6,*1,),.$1 ODQMXWDQ  DE 6HZDRSHUDVL



 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  DE 2SHUDWLQJOHDVH Leases, which do not transfer substantially all the risks and rewards of ownership are retained by the lessor, are classified as operating leases. Payments made under operating leases are charged to the consolidated statement of comprehensive income on a straight-line method over the period of the lease.

Kontrak sewa yang tidak mengalihkan secara substansial seluruh risiko dan manfaat kepemilikan aset tetap berada ditangan perusahaan sewa-menyewa (lessor), maka sewa tersebut diklasifikasikan sebagai sewa operasi. Pembayaran sewa operasi dibebankan ke laporan laba rugi komprehensif konsolidasian menggunakan metode garis lurus selama masa sewa. DF 3DMDNSHQJKDVLODQ

679

DF ,QFRPHWD[

Beban pajak tahun berjalan ditetapkan berdasarkan taksiran penghasilan kena pajak tahun berjalan. Aset dan liabilitas pajak tangguhan diakui atas perbedaan temporer aset dan liabilitas antara pelaporan komersial dan pajak pada setiap tanggal pelaporan.

Current tax expense is provided based on the estimated taxable income for the current year. Deferred tax assets and liabilities are recognized for temporary differences between the financial and the tax bases of assets and liabilities at each reporting date.

Aset pajak tangguhan diakui menggunakan metode posisi keuangan untuk seluruh perbedaan temporer yang boleh dikurangkan dan saldo rugi fiskal yang belum digunakan, sepanjang besar kemungkinan perbedaan temporer yang boleh dikurangkan dan saldo rugi fiskal yang belum digunakan tersebut dapat dimanfaatkan untuk mengurangi laba fiskal pada masa yang akan datang.

Deferred tax assets are recognized, using the statement of financial position method, for all deductible temporary differences and carry forward of unused tax losses to the extent that it is probable that future taxable profits will be available against which the deductible temporary differences and carry forward of unused tax losses can be utilized.

Jumlah tercatat aset pajak tangguhan ditelaah pada setiap tanggal neraca dan nilai tercatat aset pajak tangguhan tersebut diturunkan apabila tidak lagi terdapat kemungkinan besar bahwa laba fiskal yang memadai akan tersedia untuk mengkompensasi sebagian atau semua manfaat aset pajak tangguhan.

The carrying amount of deferred tax assets is reviewed at each reporting date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the benefit of the deferred tax assets to be utilized.

Aset dan kewajiban pajak tangguhan diukur berdasarkan tarif pajak yang akan berlaku pada tahun saat aset direalisasikan atau liabilitas diselesaikan berdasarkan peraturan perpajakan yang berlaku atau yang telah secara substantif telah diberlakukan pada tanggal laporan posisi keuangan.

Deferred tax assets and liabilities are measured at the tax rates that are expected to apply to the year when the asset is realized or the liability is settled based on tax laws that have been enacted or substantively enacted as at statement financial position date.

61 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

680

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Pengaruh pajak terkait dengan penyisihan untuk dan/atau pembalikan seluruh perbedaan temporer selama tahun berjalan, termasuk pengaruh perubahan tarif pajak, diakui sebagai “Manfaat/(Beban) Pajak Penghasilan, Tangguhan” dan termasuk dalam laba atau rugi neto tahun berjalan, kecuali untuk transaksi-transaksi yang sebelumnya telah langsung dibebankan atau dikreditkan ke ekuitas.

The related tax effects of the provisions for and/or reversals of all temporary differences during the year, including the effect of change in tax rates, are recognized as “Income Tax Benefit (Expense) - Deferred” and included in the determination of net profit or loss for the year, except to the extent that they relate to items previously charged or credited to equity.

Koreksi atas liabilitas pajak diakui pada saat surat ketetapan pajak diterima, atau apabila diajukan keberatan dan atau banding oleh Bank, pada saat telah ada keputusan atas banding dan atau keberatan tersebut.

Amendment to tax obligation is recorded when an assessment letter is received or, if objected to or appealed against by the Bank, when the result of such appeal or objection is determined.

Aset dan liabilitas atas pajak tangguhan dan pajak kini dapat saling hapus apabila terdapat hak yang berkekuatan hukum untuk melakukan saling hapus.

Assets and liabilities on deferred tax and current tax can be offset if there is a legal enforceable right to offset.

DG ,PEDODQNHUMD

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Imbalan kerja jangka pendek

Short-term employee benefits

Imbalan kerja jangka pendek seperti upah, iuran jaminan sosial, cuti jangka pendek, bonus dan imbalan non-moneter lainnya diakui selama periode jasa diberikan. Imbalan kerja jangka pendek dihitung sebesar jumlah yang tidak didiskontokan.

Short-term employee benefits such as wages, social security contributions, short-term compensated leaves, bonuses and other nonmonetary benefits are recognized during the period when services have been rendered. Short-term employee benefits are measured using undiscounted amounts.

Program pensiun iuran pasti

Defined contribution plan

Iuran kepada dana pensiun sebesar persentase tertentu gaji pegawai yang menjadi peserta program pensiun iuran pasti Bank, dicadangkan dan diakui sebagai biaya ketika jasa telah diberikan oleh pegawai-pegawai tersebut. Pembayaran dikurangkan dari utang iuran. Iuran terutang dihitung berdasarkan jumlah yang tidak didiskontokan.

Contribution payable to a pension fund equivalent to a certain percentage of salaries for qualified employees under the Bank’s defined contribution plan is accrued and recognized as expense when services have been rendered by qualified employees. Actual payments are deducted from the contribution payable. Contribution payable is measured using undiscounted amounts.

Program imbalan pasti dan imbalan kerja jangka panjang lainnya

Defined benefit plan and other long-term employee benefits

Imbalan pasca-kerja dicadangkan dan diakui sebagai biaya ketika jasa telah diberikan oleh pegawai yang menjadi peserta program pensiun Bank. Imbalan kerja ditentukan berdasarkan peraturan Bank dan persyaratan minimum Undang-undang Tenaga Kerja No. 13/2003, mana yang lebih tinggi.

The post-employment benefits are accrued and recognized as expense when services have been rendered by qualified employees. The benefits are determined based on the Bank’s regulations and the minimum requirements of Labor Law No. 13/2003, whichever is higher. 62

bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Program imbalan pasti dan imbalan kerja jangka panjang lainnya (lanjutan)

Defined benefit plan and other long-term employee benefits (continued)

Imbalan pasca-kerja dan imbalan kerja jangka panjang lainnya secara aktuaris ditentukan berdasarkan metode Projected Unit Credit.

The post-employment benefits and other longterm employee benefits are actuarially determined using the Projected Unit Credit Method.

Penyisihan biaya jasa masa lalu ditangguhkan dan diamortisasi selama sisa masa kerja ratarata yang diharapkan dari karyawan yang memenuhi syarat tersebut. Selain itu, penyisihan untuk biaya jasa kini dibebankan langsung pada operasi tahun/periode berjalan. Keuntungan atau kerugian aktuarial yang timbul dari penyesuaian dan perubahan dalam asumsi-asumsi aktuarial diakui sebagai pendapatan atau beban apabila akumulasi keuntungan atau kerugian aktuarial neto yang belum diakui pada akhir periode pelaporan sebelumnya melebihi 10% dari nilai kini kewajiban imbalan pasti atau 10% dari nilai wajar aset dana pensiun, pada tanggal tersebut. Keuntungan atau kerugian aktuarial yang melebihi batas 10% tersebut diakui atas dasar metode garis lurus selama ekspektasi rata-rata sisa masa kerja karyawan yang memenuhi syarat.

Provisions made pertaining to past service costs are deferred and amortized over the expected average remaining service years of the qualified employees. Furthermore, provisions for current service costs are directly charged to operations of the current year/period. Actuarial gains or losses arising from adjustments and changes in actuarial assumptions are recognized as income or expense when the net cumulative unrecognized actuarial gains or losses at the end of the previous reporting period exceed 10% of the present value of the defined benefit obligations or 10% of the fair value of plan assets, at that date. The actuarial gains or losses in excess of the aforementioned 10% threshold are recognized on a straightline method over the expected average remaining service years of the qualified employees.

Keuntungan atau kerugian aktuarial dan biaya jasa lalu dari imbalan kerja jangka panjang lainnya langsung diakui pada laporan laba rugi komprehensif tahun berjalan.

Actuarial gains or losses and past service costs from other long-term employee benefits are recognized directly in the statement of comprehensive income of the current period.

DH /DEDSHUVDKDPGDVDU

DH %DVLFHDUQLQJVSHUVKDUH Basic earnings per share amounts are computed by dividing income for the year attributable to equity holders of the parent entity by the weighted average number of shares outstanding during the year.

Laba per saham dasar dihitung dengan membagi laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk dengan rata-rata tertimbang jumlah saham biasa yang beredar selama tahun berjalan. DI 7UDQVDNVLGHQJDQSLKDNSLKDNEHUHODVL

DI 7UDQVDFWLRQVZLWKUHODWHGSDUWLHV In the normal course of its business, the Bank and subsidiaries enters into transactions with related parties which are defined under SFAS No. 7 (Revised 2010), “Related Party Disclosures”.

Dalam menjalankan usahanya, Bank dan entitas anak melakukan transaksi dengan pihak-pihak berelasi seperti yang didefinisikan dalam PSAK No. 7 (Revisi 2010) tentang “Pengungkapan Pihak-pihak Berelasi”.

681

63 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

682

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Suatu pihak dianggap berelasi dengan Bank dan entitas anak jika:

The Bank and subsidiaries consider the following as their related parties:

i.

suatu pihak yang secara langsung, atau tidak langsung yang melalui satu atau lebih perantara, suatu pihak (i) mengendalikan, atau dikendalikan oleh, atau berada dibawah pengendalian bersama, dengan Bank dan entitas anak; (ii) memiliki pengaruh signifikan atas Bank dan entitas anak; atau (iii) memiliki pengendalian bersama atas Bank dan entitas anak;

i.

a person who, directly or indirectly through one or more intermediaries, (i) controls, or controlled by, or under common control with the Bank and subsidiaries , (ii) has significant influence over the Bank and subsidiaries or (iii) has joint control over the Bank and subsidiaries;

ii. suatu pihak yang berada dalam kelompok usaha yang sama dengan Bank dan entitas anak;

ii.

an entity which is a member of the same group as the Bank and subsidiaries;

iii. suatu pihak yang merupakan ventura bersama di mana Bank dan entitas anak sebagai venturer;

iii.

an entity which is a joint ventures of a third party in which the Bank and subsidiaries have ventured in;

iv. suatu pihak adalah anggota dari personil manajemen kunci Bank dan entitas anak;

iv. a member of key management personnel of the Bank and subsidiaries;

v. suatu pihak adalah anggota keluarga dekat dari individu yang diuraikan dalam butir (i) atau (iv);

v.

vi. suatu pihak adalah entitas yang dikendalikan, dikendalikan bersama atau dipengaruhi signifikan oleh beberapa entitas, langsung maupun tidak langsung, individu seperti diuraikan dalam butir (iv) atau (v);

vi. an entity that is controlled, jointly controlled or significantly influenced, directly or indirectly by the person described in clause (iv) or (v);

vii. suatu pihak adalah suatu program imbalan pasca kerja untuk imbalan kerja dari Bank dan entitas anak atau entitas terkait Bank dan entitas anak.

vii. an entity which is a post-employment benefit plan for the benefit of employees of either the Bank and subsidiaries or an entity related to the Bank and subsidiaries.

Transaksi dengan pihak-pihak berelasi dilakukan dengan syarat dan kondisi yang sama dengan transaksi-transaksi dengan pihak ketiga. Transaksi yang dilakukan Bank telah memenuhi peraturan Otoritas Jasa Keuangan (Badan Pengawas Pasar Modal dan Lembaga Keuangan) No. IX.E.1 tentang “Transaksi Afiliasi dan Benturan Kepentingan Transaksi Tertentu”, pada saat transaksi-transaksi tersebut dilakukan. Seluruh transaksi dan saldo yang material dengan pihak-pihak berelasi diungkapkan dalam catatan atas laporan keuangan yang relevan dan rinciannya telah disajikan dalam Catatan 43.

Transactions with related parties are made on the same term and conditions as those transactions with third parties. All transaction done by Bank have complied with Otoritas Jasa Keuangan (Badan Pengawas Pasar Modal dan Lembaga Keuangan) Regulation No. IX.E.1 regarding “The affiliate transactions and conflict of interest of certain transactions”, at the time the transaction were made. All material transactions and balances with related parties are disclosed in the relevant notes to the financial statements and the details have been presented in Note 43 of the financial statements. 64

bank bjb Laporan Tahunan 2014

a close family member of the person described in clause (i) or (iv);

The original consolidated financial statements included herein are in the Indonesian language.

 

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 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  DJ 'LYLGHQGV Dividends distribution to the shareholders is recognized as a liability in the consolidated financial statements at the date when the dividend distribution is approved by the shareholders.

Pembagian dividen kepada para pemegang saham diakui sebagai liabilitas dalam laporan keuangan konsolidasian pada tanggal dividen tersebut disetujui oleh para pemegang saham. DK ,QIRUPDVLVHJPHQXVDKD

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Informasi segmen diungkapkan untuk memungkinkan pengguna laporan keuangan untuk mengevaluasi sifat dan dampak keuangan dari aktivitas bisnis yang mana Bank dan entitas anak terlibat dalam lingkungan ekonomi dimana Bank dan entitas anak beroperasi.

Segment information is disclosed to enable users of financial statement to evaluate the nature and financial effects of the business activities in which the Bank and subsidiaries are involved in and the economic environment where the Bank and subsidiaries operate.

Segmen operasi adalah suatu komponen dari entitas:

An operating segment is a component of an entity: 1)

1) yang terlibat dalam aktivitas bisnis yang mana memperoleh pendapatan dan menimbulkan beban (termasuk pendapatan dan beban terkait dengan transaksi dengan komponen lain dari entitas yang sama);

683

that engages in business activities from which it may earn revenues and incur expenses (including revenues and expenses relating to transactions with other components of the same entity);

2) hasil operasinya dikaji ulang secara reguler oleh pengambil keputusan operasional keputusan tentang untuk membuat sumber daya yang dialokasikan pada segmen tersebut dan menilai kinerjanya; dan

2) whose operating results are reviewed regularly by the entity’s chief operating decision maker to make decisions about resources to be allocated to the segment and assess its performance; and

3) tersedia informasi keuangan yang dapat dipisahkan.

3)

Bank dan entitas anak menyajikan segmensegmen operasi berdasarkan laporan internal Bank dan entitas anak yang disajikan kepada pengambil keputusan operasional. Pengambil keputusan operasional adalah Direksi.

The Bank and subsidiaries present operating segments based on their internal reporting to the chief operating decision maker. The chief operating decision maker is the Board of Directors.

Bank telah mengidentifikasi dan mengungkapkan informasi keuangan berdasarkan kegiatan bisnis dimana Bank terlibat (segmen usaha). Segmen pendapatan, biaya, hasil, aset dan liabilitas, termasuk bagian yang dapat diatribusikan langsung kepada segmen, serta yang dapat dialokasikan dengan dasar yang memadai untuk segmen tersebut.

The Bank identifies and discloses financial information based on the business activities in which the Bank engages (business segments) in. Segment revenues, expenses, income, assets and liabilities include ítems directly attributable to a segment as well as those that can be allocated on a reasonable basis to that segment.

for which discrete financial information is available.

65 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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684



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 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  DL ,VVXDQFHFRVWRQVKDUHVLVVXHG In accordance with the Regulation No. VIII.G.7 attached to the Decision Letter of the Chairman of BAPEPAM-LK No. KEP-347/ BL/2012 dated June 25, 2012 regarding “Financial Statements Presentation and Disclosure for Issuers or Public Companies”, the issuance costs related to offering of shares to the public (including preemptive rights issue) are deducted directly from the proceeds and presented as a deduction on “Premium on Share Capital – Net of share issuance cost” account, as part of Equity in the consolidated statements of financial position.

Sesuai dengan Peraturan No. VIII.G.7 lampiran Surat Keputusan Ketua BAPEPAMLK No. KEP-347/BL/2012 tanggal 25 Juni 2012 mengenai “Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik”, biaya-biaya emisi yang terjadi sehubungan dengan penawaran saham kepada masyarakat (termasuk penerbitan hak memesan efek terlebih dahulu) dikurangkan langsung dari hasil emisi dan disajikan sebagai pengurang pada akun “Agio Saham – setelah dikurangi biaya emisi saham”, sebagai bagian dari Ekuitas pada laporan posisi keuangan konsolidasian. DM 3HUXEDKDQGDODPNHELMDNDQDNXQWDQVLGDQ SHQJXQJNDSDQ

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Bank telah menerapkan standar akuntansi pada tanggal 1 Januari 2014, yang dianggap relevan dengan laporan keuangan Bank, yaitu PSAK No. 102 (Revisi 2013), “Murabahah”, yang merupakan penyempurnaan dari PSAK No. 102 yang diterbitkan pada tahun 2008, perihal kriteria transaksi murabahah sehubungan dengan pengakuan, pengukuran, penyajian dan pengungkapannya.

The Bank adopted the revised accounting standard on January 1, 2014, which is considered relevant to the Bank’s financial statements. The revised standard is SFAS No. 102 (Revised 2013), “Murabahah”, which represents improvement of SFAS No. 102 issued in 2008, regarding criteria of murabahah transaction in relation with the recognition, measurement, presentation and disclosure.

Dampak dari penerapan PSAK No. 102 (revisi 2013) terhadap penurunan nilai aset keuangan yang timbul dari transaksi murabahah telah dibebankan sepenuhnya dalam laporan laba rugi komprehensif tahun 2014 atas dasar materialitas.

The impact of the SFAS No. 102 (revised 2013) on impairment of financial assets arising from murabahah transactions have been fully charged to 2014 statement of comprehensive income on the basis of materiality.

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DN &DSLWDOVWRFN Capital stock is measured at par value for all shares issued.

Modal saham diukur pada nilai nominal untuk semua saham yang diterbitkan. 

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DO 5HWDLQHGHDUQLQJV Retained earnings represent the cumulative balance of the Bank and subsidiaries’ results of operations, dividend distributions, prior period adjustments, effects of the changes in accounting policy and other capital adjustments.

Saldo laba merupakan saldo kumulatif dari hasil operasi Bank dan entitas anak, pembagian dividen, penyesuaian periode sebelumnya, efek dari perubahan kebijakan akuntansi dan penyesuaian modal lainnya.

66 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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 6800$5< 2) 6,*1,),&$17 $&&2817,1* 32/,&,(6 FRQWLQXHG  DP3URYLVLRQV Provisions are recognized when the Bank and subsidiaries have a present obligation (legal or constructive) where, as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate can be made of the amount of the obligation.

Provisi diakui jika Bank dan entitas anak memiliki liabilitas kini (baik bersifat hukum maupun bersifat konstruktif) yang sebagai akibat peristiwa masa lalu, besar kemungkinannya penyelesaian liabilitas tersebut akan mengakibatkan arus keluar sumber daya yang mengandung manfaat ekonomi dan estimasi yang andal mengenai jumlah kewajiban tersebut dapat dibuat.

 Provisions are reviewed at each reporting date and adjusted to reflect the current best estimate. If it is no longer probable that an outflow of resources embodying economic benefits will be required to settle the obligation, the provision is reversed.

Provisi ditelaah pada setiap tanggal pelaporan dan disesuaikan untuk mencerminkan estimasi terbaik yang paling kini. Jika arus keluar sumber daya untuk menyelesaikan kewajiban kemungkinan besar tidak terjadi, maka provisi dibatalkan. DQ &DGDQJDQNHUXJLDQSHQXUXQDQQLODLDVHW QRQSURGXNWLIGDQNRPLWPHQGDQ NRQWLQMHQVL

DQ $OORZDQFH IRU LPSDLUPHQW ORVVHV RQ QRQ HDUQLQJ DVVHWV DQG FRPPLWPHQWV DQG FRQWLQJHQFLHV In accordance with Bank Indonesia Circular Letter (SE-BI) No. 13/658/DPNP/DPnP dated December 23, 2011, the Bank is not required to provide an allowance for impairment losses on non-earning assets and administrative account transactions (commitments and contingencies), but the Bank should still calculate the allowance for impairment losses in accordance with the applicable accounting standards (except for Sharia Business Units based on Bank Indonesia Regulation No.13/13/PBI/2011 dated March 24, 2011).

Sesuai dengan Surat Edaran Bank Indonesia (SE-BI) No. 13/658/DPNP/DPnP tanggal 23 Desember 2011, Bank tidak diwajibkan lagi untuk membentuk cadangan kerugian penurunan nilai atas aset non-produktif dan transaksi rekening administratif (komitmen dan kontinjensi), namun Bank tetap harus menghitung cadangan kerugian penurunan nilai mengacu pada Pernyataan Standar Akuntansi Keuangan yang berlaku (kecuali Unit Usaha Syariah berdasarkan peraturan Bank Indonesia No. 13/13/PBI/2011 tanggal 24 Maret 2011). DR 3HULVWLZDVHWHODKSHULRGHSHODSRUDQ

DR (YHQWVDIWHUWKHUHSRUWLQJSHULRG Any post year end event that provides additional information about the Bank’s and subsidiaries’ financial position (adjusting event) is reflected in the consolidated financial statements. Post year end events that are not adjusting events, if any, are disclosed when material to the consolidated financial statements.

Setiap peristiwa setelah akhir tahun yang menyebabkan tambahan informasi mengenai posisi keuangan Bank dan entitas anak (adjusting event) akan disesuaikan dalam laporan keuangan konsolidasian. Peristiwa setelah akhir tahun yang bukan merupakan adjusting events, jika ada, akan diungkapkan ketika memiliki dampak material terhadap laporan keuangan konsolidasian.

67 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Penyusunan laporan keuangan konsolidasian mengharuskan manajemen untuk membuat pertimbangan, estimasi dan asumsi yang mempengaruhi jumlah yang dilaporkan dari pendapatan, beban, aset dan liabilitas, dan pengungkapan atas liabilitas kontinjensi, pada akhir periode pelaporan. Ketidakpastian mengenai asumsi dan estimasi tersebut dapat mengakibatkan penyesuaian material terhadap nilai tercatat aset dan liabilitas dalam periode pelaporan berikutnya.

The preparation of the consolidated financial statement requires management to make judgments, estimates and assumptions that affect the reported amounts of revenues, expenses, assets and liabilities, and the disclosure of contingent liabilities, at the end of the reporting period. Uncertainty about these assumptions and estimates could result in outcomes that require a material adjustment to the carrying amounts of the asset and liability affected in future periods.

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Pertimbangan berikut ini dibuat oleh manajemen dalam rangka penerapan kebijakan akuntansi yang memiliki pengaruh paling signifikan atas jumlah yang diakui dalam laporan keuangan konsolidasian:

The following judgments are made by management in the process of applying the accounting policies that have the most significant effects on the amounts recognized in the consolidated financial statements:

Usaha yang berkelanjutan

Going concern

Manajamen Bank dan entitas anak telah melakukan penilaian atas kemampuan Bank dan entitas anak untuk melanjutkan kelangsungan usahanya dan berkeyakinan bahwa Bank dan entitas anak memilki sumber daya untuk melanjutkan usahanya di masa mendatang. Selain itu, manajemen tidak mengetahui adanya ketidakpastian material yang dapat menimbulkan keraguan yang signifikan terhadap kemampuan Bank dan entitas anak untuk melanjutkan usahanya. Oleh karena itu, laporan keuangan konsolidasian telah disusun atas dasar usaha yang berkelanjutan.

The Bank’s and subsidiaries’ management has made an assessment of the Bank’s and subsidiaries’ abilities to continue as a going concern and is satisfied that the Bank and subsidiaries have the resources to continue its business for the foreseeable future. Furthermore, the management is not aware of any material uncertainties that may cast significant doubt to the Bank’s and subsidiaries’ abilities to continue as a going concern. Therefore, the consolidated financial statement continues to be prepared on the going concern basis.

Klasifikasi aset dan liabilitas keuangan

Classification of financial assets and financial liabilities

Bank dan entitas anak menetapkan klasifikasi atas aset dan liabilitas tertentu sebagai aset keuangan dan liabilitas keuangan dengan mempertimbangkan bila definisi yang ditetapkan PSAK No. 55 (Revisi 2011) dipenuhi. Dengan demikian, aset keuangan dan liabilitas keuangan diakui sesuai dengan kebijakan akuntansi seperti diungkapkan pada Catatan 2.

The Bank and subsidiaries determine the classifications of certain assets and liabilities as financial assets and financial liabilities by judging if they meet the definition set forth in SFAS No. 55 (Revised 2011). Accordingly, the financial assets and financial liabilities are accounted for in accordance with the accounting policies disclosed in Note 2.

Nilai wajar atas instrumen keuangan

Fair value of financial instruments

Bila nilai wajar aset keuangan dan liabilitas keuangan yang tercatat pada laporan posisi keuangan konsolidasian tidak tersedia di pasar aktif, nilai wajar ditentukan dengan menggunakan berbagai teknik penilaian termasuk penggunaan model matematika.

Where the fair values of financial assets and financial liabilities recorded on the consolidated statement of financial position cannot be derived from active markets, they are determined using a variety of valuation techniques that include the use of mathematical models.

68 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Nilai wajar atas instrumen keuangan (lanjutan)

Fair value of financial instruments (continued)

Masukan (input) untuk model ini berasal dari data pasar yang bisa diamati sepanjang data tersebut tersedia. Bila data pasar yang bisa diamati tersebut tidak tersedia, pertimbangan manajemen diperlukan untuk menentukan nilai wajar. Pertimbangan manajemen tersebut mencakup pertimbangan likuiditas dan masukan model seperti volatilitas dan tingkat diskonto, tingkat pelunasan dipercepat dan asumsi tingkat gagal bayar.

The inputs to these models are derived from observable market data where possible, but where observable market data are not available, judgment is required to establish fair values. The judgment include considerations of liquidity and model inputs such as volatility and discount rates, prepayment rates and default rate assumptions.

Investasi dimiliki hingga jatuh tempo

Held-to-maturity securities

Surat berharga dengan klasifikasi dimiliki hingga jatuh tempo membutuhkan judgment yang signifikan. Dalam membuat judgment ini, Bank dan entitas anak mengevaluasi intensi dan kemampuan untuk memiliki investasi tersebut hingga jatuh tempo. Jika Bank dan entitas anak gagal untuk memiliki investasi ini hingga jatuh tempo selain dalam kondisi-kondisi tertentu sebagai contoh, menjual dalam jumlah yang insignifikan saat mendekati jatuh tempo, Bank dan entitas anak harus mereklasifikasi seluruh portofolio tersebut menjadi surat berharga yang tersedia untuk dijual. Surat berharga yang tersedia untuk dijual tersebut akan diukur pada nilai wajar dan bukan menggunakan biaya yang diamortisasi.

The classification under held-to-maturity securities requires significant judgment. In making this judgment, the Bank and subsidiaries evaluate their intention and ability to hold such investments to maturity. If the Bank and subsidiaries fail to keep these investments to maturity other than in certain specific circumstances for example, selling an insignificant amount close to maturity, they will be required to reclassify the entire portfolio as available-for-sale securities. The available-for-sale securities will be measured at fair value and not at amortized cost.

Aset keuangan yang tidak memiliki harga pasar

Financial assets not quoted in an active market

Bank dan entitas anak mengklasifikasikan aset keuangan dengan mengevaluasi, antara lain, apakah nilai tersebut dikutip atau tidak di pasar aktif. Termasuk dalam evaluasi pada apakah aset keuangan yang dikutip di pasar aktif adalah penentuan apakah harga pasar dapat segera dan secara teratur tersedia, dan apakah mereka mewakili harga aktual dan teratur terjadi transaksi pasar secara arms-length.

The Bank and subsidiaries classifiy financial assets by evaluating, among others, whether the asset is quoted or not in an active market. Included in the evaluation on whether a financial asset is quoted in an active market is the determination on whether quoted prices are readily and regularly available, and whether those prices represent actual and regularly occurring market transactions on an arm’s length basis.

Kontinjensi

Contingencies

Ketika Bank dan entitas anak sedang terlibat dalam proses hukum, perkiraan biaya kemungkinan bagi penyelesaian klaim telah dikembangkan melalui konsultasi dengan bantuan konsultan hukum Bank dan entitas anak didasarkan pada analisis hasil yang potensial.

When the Bank and subsidiaries are currently involved in legal proceedings, the estimate of the probable cost for the resolution of claims has been developed in consultation with the aid of the legal counsel handling the Bank’s and subsidiaries’ defense in this matter and is based upon an analysis of potential results.

69 bank bjb Annual Report 2014

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Kontinjensi (lanjutan)

Contingencies (continued)

Manajemen Bank dan Entitas Anak tidak berkeyakinan bahwa hasil dari hal ini akan mempengaruhi hasil usaha. Besar kemungkinan, bagaimanapun, bahwa hasil operasi di masa depan dapat secara material terpengaruh oleh perubahan dalam estimasi atau efektivitas dari strategi yang terkait dengan hal tersebut.

Management and Subsidiaries does not believe that the outcome of this matter will affect the results of operations. It is probable, however, that future results of operations could be materially affected by changes in the estimates or in the effectiveness of the strategies relating to these proceedings.

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Asumsi dan estimasi utama masa depan dan sumber utama estimasi ketidakpastian lain pada tanggal pelaporan yang memiliki risiko untuk dapat menyebabkan penyesuaian yang material terhadap nilai tercatat aset dan liabilitas untuk tahun/periode berikutnya diungkapkan di bawah ini. Bank dan entitas anak mendasarkan asumsi dan estimasi yang digunakan pada parameter yang tersedia pada saat laporan keuangan konsolidasian disusun.

The key estimates and assumptions concerning the future and other key sources of estimating uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are disclosed below. The Bank and subsidiaries based their assumptions and estimates on parameters available when the consolidated financial statements were prepared.

Asumsi dan situasi mengenai perkembangan masa depan dapat berubah akibat perubahan pasar atau situasi yang timbul di luar kendali Bank dan entitas anak. Perubahan tersebut dicerminkan dalam asumsi yang digunakan pada saat terjadinya.

Existing circumstances and assumptions about future developments may change due to market changes or circumstances arising beyond the control of the Bank and subsidiaries. Such changes are reflected in the assumptions when they occur.

Cadangan kerugian penurunan nilai dari kredit dan pembiayaan/piutang syariah

Allowance for impairment losses on loans and sharia financing/receivables

Bank dan entitas anak menelaah portofolio pinjaman dan piutang setiap tahun untuk menilai penurunan nilai dengan memperbaharui provisi yang dibentuk selama periode yang diperlukan berdasarkan analisis berkelanjutan dan pemantauan terhadap rekening individual oleh petugas kredit.

The Bank and subsidiaries review its loan portfolio and receivables to assess impairment on an annual basis with updating provisions made during the intervals as necessary based on the continuing analysis and monitoring of individual accounts by credit officers.

Dalam menentukan apakah penurunan nilai harus dibentuk dalam laporan laba rugi komprehensif konsolidasian, Bank dan entitas anak membuat penilaian, apakah terdapat data yang dapat diobservasi yang menunjukkan bahwa terdapat penurunan yang dapat diukur dalam laporan perkiraan arus kas masa depan dari portofolio pinjaman sebelum penurunan tersebut dapat diidentifikasi secara individual dalam portofolio tersebut.

In determining whether an impairment loss should be recorded in the consolidated statements of comprehensive income, the Bank and subsidiaries make judgments as to whether there is any observable data indicating that there is a measurable decrease in the estimated future cash flows from a portfolio of loans before the decrease can be identified with an individual loan in that portfolio.

70 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Cadangan kerugian penurunan nilai dari kredit dan pembiayaan/piutang syariah (lanjutan)

Allowance for impairment losses on loans and sharia financing/receivables (continued)

Bukti seperti ini dapat termasuk data yang dapat diobservasi yang menunjukkan bahwa telah terjadi perubahan yang merugikan pada status pembayaran kelompok debitur, atau kondisi ekonomi nasional atau lokal yang berkorelasi dengan wanprestasi atas aset dalam kelompok. Bank dan entitas anak menggunakan perkiraan dalam menentukan jumlah dan waktu dari arus kas masa depan ketika menentukan tingkat penyisihan yang diperlukan. Estimasi tersebut didasarkan pada asumsi mengenai sejumlah faktor dan hasil aktual yang dapat berbeda, yang mengakibatkan perubahan terhadap jumlah penyisihan di masa yang akan datang.

This evidence may include observable data indicating that there has been an adverse change in the payment status of borrowers in a group, or national or local economic conditions that correlate with defaults on assets in the group. The Bank and subsidiaries use estimates in the amount and timing of future cash flows when determining the level of allowance required. Such estimates are based on assumptions about a number of factors and actual results may differ, resulting to future changes in the allowance.

Penurunan nilai untuk surat berharga

Impairment of debt securities

Bank dan entitas anak menentukan bahwa surat berharga memiliki kriteria penurunan nilai yang sama dengan aset keuangan yang dicatat pada biaya perolehan diamortisasi.

The Bank and subsidiaries determine that securities are impaired based on the same criteria as financial assets carried at amortized cost.

Umur ekonomis dari aset tetap

Useful lives of premises and equipment

Bank dan entitas anak memperkirakan masa manfaat aset tetap berdasarkan periode dimana aset diharapkan akan tersedia untuk digunakan. Masa manfaat ekonomis aset tetap ditinjau secara berkala dan diperbarui jika memiliki ekspektasi yang berbeda dari perkiraan sebelumnya, karena kerusakan secara fisik dan teknis, atau keusangan secara komersial dan legal atau batasan lainnya atas penggunaan aset tersebut. Selain hal tersebut, estimasi masa manfaat dari aset tetap didasarkan pada penilaian secara kolektif dengan menggunakan praktik industri, teknik evaluasi internal dan pengalaman dengan aset serupa. Tetap dimungkinkan, bagaimanapun, bahwa hasil masa depan dapat secara material dipengaruhi oleh perubahan estimasi yang disebabkan oleh perubahan faktor-faktor tersebut di atas. Jumlah dan saat pencatatan biaya untuk setiap periode akan dipengaruhi oleh perubahan dari faktor dan keadaan saat pencatatan. Pengurangan taksiran masa manfaat dari aset tetap akan meningkatkan beban operasional yang diakui.

The Bank and subsidiaries estimate the useful lives of premises and equipment based on the period over which the assets are expected to be available for use. The estimated useful lives of premises and equipment are reviewed periodically and are updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the assets. In addition, estimation of the useful lives of premises and equipment is based on collective assessment of industry practice, internal technical evaluation and experience with similar assets. It is possible, however, that future results of operations could be materially affected by changes in estimates brought about by changes in factors mentioned above. The amounts and timing of recorded expenses for any period would be affected by changes in these factors and circumstances. A reduction in the estimated useful lives of premises and equipment would increase the recorded operating expenses.

71 bank bjb Annual Report 2014

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690

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37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
3(1,/$,$1'$1(67,0$6,$.817$16,<$1* 6,*1,),.$1 ODQMXWDQ



 6,*1,),&$17 $&&2817,1* -8'*0(176 $1' (67,0$7(6 FRQWLQXHG

(VWLPDVLGDQ$VXPVL ODQMXWDQ 

(VWLPDWHVDQG$VVXPSWLRQV FRQWLQXHG 

Penurunan nilai aset non keuangan

Impairment of non-financial assets

Bank dan entitas anak mengevaluasi penurunan nilai aset apabila terdapat kejadian atau perubahan keadaan yang mengindikasikan bahwa nilai tercatat aset tidak dapat dipulihkan kembali. Faktor-faktor penting yang dapat menyebabkan penelaahan penurunan nilai adalah sebagai berikut:

The Bank and subsidiaries assess impairment on assets whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. The factors that which could trigger an impairment review include the following:

a) Kinerja yang rendah secara signifikan jika dibandingkan dengan ekspektasi dari hasil operasi historis maupun proyeksi hasil operasi di masa yang akan datang;

a)

significant underperformance relative to expected historical or projected future operating results;

b) perubahan yang signifikan dalam cara penggunaan aset atau strategi bisnis secara keseluruhan; dan

b)

significant changes in the manner of use of the acquired assets or the strategy for overall business; and

c) Industri atau tren ekonomi yang secara signifikan bernilai negatif.

c)

significant negative industry or economic trends.

Bank dan entitas anak mengakui kerugian penurunan nilai apabila nilai tercatat aset melebihi nilai yang dapat dipulihkan. Jumlah terpulihkan adalah nilai yang lebih tinggi antara nilai wajar dikurang biaya untuk menjual dengan nilai pakai aset (atau unit penghasil kas).

The Bank and subsidiaries recognize an impairment loss whenever the carrying amount of an asset exceeds its recoverable amount. The recoverable amount is the higher of an asset’s (or Cash Generating Unit’s) fair value less costs to sell and its value in use.

Jumlah terpulihkan diestimasi untuk aset individual atau, jika tidak memungkinkan, untuk unit penghasil kas yang mana aset tersebut merupakan bagian daripada unit tersebut.

Recoverable amounts are estimated for individual assets or, if it is not possible, for the Cash Generating Unit to which the asset belongs.

Pengakuan aset pajak tangguhan

Recognition of deferred tax assets

Aset pajak tangguhan diakui untuk seluruh saldo rugi fiskal yang belum digunakan sejauh terdapat kemungkinan bahwa saldo rugi tersebut dapat dikompensasikan terhadap penghasilan kena pajak di masa yang akan datang. Pertimbangan manajemen yang signifikan diperlukan untuk menentukan jumlah aset pajak tangguhan yang dapat diakui, sesuai dengan saat dan jumlah penghasilan kena pajak di masa mendatang seiring dengan strategi perencanaan pajak.

Deferred tax assets are recognized for all unused tax losses and credits to the extent that it is probable that taxable income will be available against which the losses can be utilized. Significant management judgment is required to determine the amount of deferred tax assets that can be recognized, based upon the likely timing and level of future taxable income together with future tax planning strategies.

72 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




3(1,/$,$1'$1(67,0$6,$.817$16,<$1* 6,*1,),.$1 ODQMXWDQ

 6,*1,),&$17 $&&2817,1* -8'*0(176 $1' (67,0$7(6 FRQWLQXHG

(VWLPDVLGDQ$VXPVL ODQMXWDQ 

(VWLPDWHVDQG$VVXPSWLRQV FRQWLQXHG 

Pengakuan aset pajak tangguhan (lanjutan)

Recognition of deferred tax assets (continued)

Bank dan entitas anak menelaah aset pajak tangguhan pada setiap tanggal laporan posisi keuangan konsolidasian dan mengurangi jumlah tercatat dalam hal tidak adanya lagi kemungkinan bahwa penghasilan kena pajak yang cukup akan tersedia untuk mengkompensasi sebagian atau seluruh aset pajak tangguhan.

The Bank and subsidiaries review their deferred tax assets at each consolidated statement of financial position date and reduce the carrying amount to the extent that it is no longer probable that sufficient taxable income will be available to allow all or part of the deferred tax assets to be utilized.

Nilai kini atas kewajiban pensiun

Present value of retirement obligation

Biaya atas program pensiun dan imbalan pasca kerja lainnya ditentukan dengan perhitungan aktuaris. Perhitungan aktuaris melibatkan penggunaan asumsi mengenai tingkat diskonto, tingkat pengembalian yang diharapkan dari aset, kenaikan gaji di masa depan, tingkat kematian dan tingkat kecacatan. Karena program tersebut memiliki sifat jangka panjang, maka perkiraan tersebut memiliki ketidakpastian yang signifikan.

The cost of defined retirement pension plan and other post employment benefits is determined using actuarial valuations. The actuarial valuation involves making assumptions about discount rates, expected rates of return on assets, future salary increases, mortality rates and disability rate. Due to the long-term nature of these plans, such estimates are subject to significant uncertainty.

 .$6

      

      

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5XSLDK

2.760.428

0DWDXDQJDVLQJ Dolar Amerika Serikat Dolar Singapura Euro Eropa Dolar Australia Riyal Saudi Arabia Yen Jepang Poundsterling Inggris Yuan China Dolar Hong Kong

462.049 92.556 21.750 14.420 35.157 413.000 915 3.100 1.960

5.723 868 327 146 116 43 18 6 3

1.132.185 89.168 19.140 12.550 42.004 266.000 1.620 8.400 5.750

7.250 7RWDO

691







 

 





 

2.579.941

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13.779 858 321 136 136 31 32 17 9

)RUHLJQFXUUHQFLHV United States Dollar Singapore Dollar European Euro Australian Dollar Saudi Arabian Riyal Japanese Yen Great Britain Poundsterling China Yuan Hong Kong Dollar

15.319  

 

7RWDO

The Rupiah balance includes cash in ATMs (Automatic Teller Machines) of Rp231,814 and Rp247,958, as of December 31, 2014 and 2013, respectively.

Saldo dalam mata uang Rupiah termasuk uang pada Anjungan Tunai Mandiri (ATM) sebesar Rp231.814 dan Rp247.958 masing-masing pada tanggal 31 Desember 2014 dan 2013.

73 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

692



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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Rupiah Dolar Amerika Serikat 7RWDO



5.121.962 55.980

4.520.000 



 

 



 

4.412.730 41.378

3.400.000  



 

Rupiah United States Dollar 7RWDO

Dalam giro pada Bank Indonesia termasuk giro yang didasarkan pada prinsip perbankan syariah sebesar Rp 208.290 dan Rp129.494, masingmasing pada tanggal 31 Desember 2014 dan 2013.

Current accounts with Bank Indonesia include current accounts based on sharia banking principles amounted to Rp 208,290 and Rp129,494, as of December 31, 2014 and 2013, respectively.

Rasio Giro Wajib Minimum (GWM) Bank (tidak diaudit) pada tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:

The minimum statutory reserves ratio (GWM) of the Bank (unaudited) are as follows:



     Rupiah Utama Sekunder Dolar Amerika Serikat Syariah - Rupiah

 



 

8,17% 6,78% 10,50% 5,01%

 8,04% 10,49% 8,41% 5,01%

Rupiah Primary Secondary United States Dollar Sharia- Rupiah

Rasio GWM pada tanggal-tanggal 31 Desember 2014 dan 2013 dihitung berdasarkan Peraturan Bank Indonesia (PBI) No. 15/15/2013 tanggal 24 Desember 2013 tentang “Giro Wajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional”.

The calculation of the GWM ratios as of December 31, 2014 and 2013 is based on Bank Indonesia’s regulation (PBI) No. 15/15/2013 dated December 24, 2013, regarding “Reserve Requirement in Rupiah and Foreign Currencies for Conventional Commercial Banks”.

Pada tanggal-tanggal 31 Desember 2014 dan 2013, sesuai dengan ketentuan Bank Indonesia tersebut di atas, Bank harus memenuhi persyaratan GWM Utama dalam Rupiah dan mata uang asing masing-masing sebesar 8% dan GWM Sekunder masing-masing adalah sebesar 4% dalam Rupiah. Sedangkan rasio GWM berdasarkan prinsip syariah pada tanggal-tanggal 31 Desember 2014 dan 2013 dihitung berdasarkan Peraturan Bank Indonesia (PBI) No. 15/16/PBI/2013 tanggal 24 Desember 2013 tentang “Giro Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank Umum Syariah dan Unit Usaha Syariah”.

As of December 31, 2014 and 2013, based on the above Bank Indonesia regulations, Bank is required to maintain primary GWM both in Rupiah and in foreign currencies of 8%. Bank is also required to maintain secondary GWM in Rupiah of 4% as of December 31, 2014 and 2013, respectively. Whereas the calculation of the GWM ratios based on sharia principle as of December 31, 2014 and 2013 is based on Bank Indonesia’s regulation (PBI) No. 15/16/PBI/2013 dated December 24, 2013, regarding “Reserve Requirement in Rupiah and Foreign Currencies for Sharia Banks and Sharia Business Units”.

Pada tanggal-tanggal 31 Desember 2014 dan 2013, sesuai dengan ketentuan Bank Indonesia tersebut di atas, berdasarkan prinsip syariah Bank harus memenuhi persyaratan GWM dalam Rupiah dan mata uang asing masing-masing sebesar 5% dan 1%.

As of December 31, 2014 and 2013, based on the above Bank Indonesia regulations, based on sharia principle, Bank is required to maintain GWM both in Rupiah and in foreign currencies of 5% and 1%, respectively.

74 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

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5XSLDK

44.138

0DWDXDQJDVLQJ Dolar Amerika Serikat Euro Eropa Dolar Singapura Yuan Cina Dolar Australia Dolar Hong Kong Poundsterling Inggris Yen Jepang

4.928.499 628.761 740.386 1.471.877 248.218 582.382 29.384 640.326

Total Cadangan kerugian penurunan nilai

61.039 9.465 6.942 2.938 2.519 930 567 66

 

 

)RUHLJQFXUUHQFLHV United States Dollar European Euro Singapore Dollar Chinese Yuan Australian Dollar Hong Kong Dollar Great Britain Poundsterling Japanese Yen

176.979 (91)  

 

Total Allowance for impairment losses 1HW

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  44.138

  36.490 

     0DWDXDQJDVLQJ Dolar Amerika Serikat Euro Eropa Dolar Singapura Yuan Cina Dolar Australia Dolar Hong Kong Poundsterling Inggris Yen Jepang

 

  61.039 9.465 6.942 2.938 2.519 930 567 66

  98.837 25.295 11.302 563 2.098 924 1.410 60

Total Cadangan kerugian penurunan nilai

84.466

140.489

128.604

176.979

(62)

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98.837 25.295 11.302 563 2.098 924 1.410 60

128.604

 



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140.489

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8.121.413 1.509.284 1.174.544 280.434 193.225 588.482 70.131 519.647



36.490

84.466

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The Bank has complied with Bank Indonesia regulations concerning the minimum reserve requirements.

Bank telah memenuhi ketentuan Bank Indonesia tentang Giro Wajib Minimum.

      

693

 

 

(91)  

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Total Allowance for impairment losses 1HW

 75 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

694

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F %\EDQN  

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%DQN8PXP   PT Bank Central Asia Tbk PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank CIMB Niaga Tbk PT Bank OCBC NISP Tbk PT Bank Mandiri (Persero) Tbk PT Bank Sahabat Sampoerna PT Bank Andara PT Bank Danamon Indonesia Tbk PT Bank Himpunan Saudara 1906 Tbk PT Bank Tabungan Pensiunan Nasional Tbk

0DWDXDQJDVLQJ PT Bank Negara Indonesia (Persero) Tbk PT Bank Central Asia Tbk Overseas-Chinese Banking Corporation, Singapura Standard Chartered Bank, Frankfurt Standard Chartered Bank, New York Standard Chartered Bank, Hong kong PT Bank Mandiri (Persero) Tbk Industrial and Commercial Bank Of China Commerzbank, Frankfurt Australia and New Zealand Bank, Melbourne Citibank, New York National Australian Bank Ltd Bank Of America

  2.281 1.113 400 335 116 18 5 5 2 2 1 1

160 497 1.251 504 18 6 5 2 2 1 1

4.279

2.447

 

 

32.089

29.422

3.998

1.822

1.025 934 502 349 290 259 200

892 570 296 246 152 628

111

15

102

-

39.859

34.043

44.138

36.490



 

 

22.680 12.962

3.568 8.231

12.572

11.302

8.718

20.413

8.187

11.532

6.942 4.638

799 9.557

2.938 1.347

563 6.326

1.813 835 706 -

1.832 55.210 266 10.739

76 bank bjb Laporan Tahunan 2014

 

5XSLDK 5HJLRQDO%DQNV PT BPD Lampung PT BPD Jawa Tengah PT BPD Sumatera Utara PT BPD Jawa Timur PT BPD Kalimatan Selatan PT BPD DKI PT BPD Sulawesi Selatan PT BPD Bali PT BPD Kalimantan Timur PT BPD Riau PT BPD Sulawesi Utara PT BPD Sumsel dan Babel

&RPPHUFLDO%DQNV PT Bank Central Asia Tbk PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank CIMB Niaga Tbk PT Bank OCBC NISP Tbk PT Bank Mandiri (Persero) Tbk PT Bank Sahabat Sampoerna PT Bank Andara PT Bank Danamon Indonesia Tbk PT Bank Himpunan Saudara 1906Tbk PT Bank Tabungan Pensiunan Nasional Tbk

)RUHLJQFXUUHQFLHV PT Bank Negara Indonesia (Persero) Tbk PT Bank Central Asia Tbk Overseas-Chinese Banking Corporation, Singapore Standard Chartered Bank, Frankfurt Standard Chartered Bank, New York Standard Chartered Bank, Hongkong PT Bank Mandiri (Persero) Tbk Industrial and Commercial Bank Of China Commerzbank, Frankfurt Australia and New Zealand Bank, Melbourne Citibank, New York National Australian Bank Ltd Bank Of America

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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66 62

Total Cadangan kerugian penurunan nilai

60 91

84.466

140.489

128.604

176.979

(62)

1HWR 



 

Rupiah Mata uang asing

(91)

 

G 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ      

695

Total Allowance for impairment losses

 

1HW

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)RUHLJQFXUUHQFLHV FRQWLQXHG  PT Bank Negara Indonesia (Persero) Tbk, Tokyo Indover Bank, Amsterdam

 



1,11% 0,00%

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1,56% 0,00%

Rupiah Foreign currencies

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91

69

(29)

22

 

 

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%\FROOHFWLELOLW\ The collectibility of current accounts with other banks are as follows:

Kolektibilitas giro pada bank lain adalah sebagai berikut:   

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Management believes that the above allowance for impairment losses is adequate.

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. I

Beginning balance Provision (reversal) during the year

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Lancar Macet

128.542 62

176.888 91

Current Loss

Total Cadangan kerugian penurunan nilai

128.604

176.979

Total

 1HWR

(62)  

 

(91)  

Allowance for impairment losses 1HW

77 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

696

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3LKDNNHWLJD 5XSLDK Deposit Facility Bank Indonesia Bank Indonesia Syariah Call Money Deposito berjangka Tabungan Lainnya



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4.702.338

2.629.337

61.925

-

4.764.263

2.629.337





 

 

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(352)  

Allowance for impairment losses

 

1HW

E %\UHPDLQLQJSHULRGXQWLOPDWXULW\

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

4.464.263 300.000 -

2.568.165 42.120 19.052

 1 month > 1 month  3 months > 3 months  6 months

Total Cadangan kerugian penurunan nilai

4.764.263

2.629.337

Total

(3.154)  

 

F %HUGDVDUNDQMHQLV       

7KLUGSDUWLHV 5XSLDK Deposit Facility Bank Indonesia Bank Indonesia Syariah Call Money Time Deposits Savings Others

 1 bulan > 1 bulan  3 bulan > 3 bulan  6 bulan

1HWR 



 

(3.154) 

 

986.843 681.400 840.000 41.010 4.047 76.037

Cadangan kerugian penurunan nilai 1HWR



1.741.722 988.600 1.625.000 310.261 7.323 29.432

5.000.000





5XSLDK Deposit Facility Bank Indonesia Bank Indonesia Syariah Call money Deposito berjangka Tabungan Lainnya

 

Allowance for impairment losses 1HW

F %\W\SH  

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU





 

 

1.741.722 988.600 1.625.000 310.261 7.323 29.432

986.843 681.400 840.000 41.010 4.047 76.037

4.702.338

2.629.337

78 bank bjb Laporan Tahunan 2014

(352)

5XSLDK Deposit Facility Bank Indonesia Bank Indonesia Syariah Call money Time deposits Savings Others

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3(1(03$7$1 3$'$ %$1. ,1'21(6,$ '$1 %$1./$,1 ODQMXWDQ

 3/$&(0(176 :,7+ %$1. ,1'21(6,$ $1' 27+(5%$1.6 FRQWLQXHG

F %HUGDVDUNDQMHQLV ODQMXWDQ    





0DWDXDQJDVLQJ Deposit Facility

F %\W\SH FRQWLQXHG  

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU





Total Cadangan kerugian penurunan nilai 1HWR

 

-

4.764.263

2.629.337

(3.154)  







 

 

61.925

 

G %HUGDVDUNDQMHQLVGDQQDPDEDQN      

697

(352)

)RUHLJQFXUUHQFLHV Deposit Facility Total Allowance for impairment losses

 

1HW

G %\W\SHDQGFRXQWHUSDUW\EDQN

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU



5XSLDK   Deposit Facility Bank Indonesia Bank Indonesia Syariah Call Money PT Bank Bukopin Tbk PT BPD Kalimantan Timur PT Bank Pan Indonesia Tbk PT BPD Aceh PT BPD DKI Jakarta PT BPD Jawa Tengah PT BPD Nagari PT BPD Riau PT Bank OCBC NISP Tbk PT BPD Maluku PT BPD Jambi PT BPD Kalimantan Selatan PT BPD Lampung PT BPD Bengkulu PT BPD Sumatera Utara PT BPD Sumatera Selatan PT BPD Nusa Tenggara Timur PT BPD Sulawesi Utara PT BPD Sulawesi Tenggara PT BPD Sulawesi Tengah Deposito berjangka PT Bank Danamon Indonesia Tbk PT Bank OCBC NISP Tbk PT Bank BNI Syariah PT BPD Jawa Tengah PT Bank CIMB Niaga Tbk PT Bank Andara PT Bank Mandiri (Persero) Tbk PT Bank Mega Tbk PT Bank Himpunan Saudara 1906 Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank Sahabat Sampoerna

 

 

1.741.722 988.600

986.843 681.400

300.000 230.000 230.000 125.000 125.000 100.000 100.000 100.000 70.000 50.000 40.000 40.000 30.000 20.000 50.000 15.000

200.000 40.000 100.000 100.000 50.000 30.000 20.000 100.000 75.000 75.000 50.000 -

1.625.000

840.000

102.000 95.000 73.000 30.000 3.780 3.000 1.295 1.000

25.000 2.729 3.300 -

1.000

-

111 75

106 -

5XSLDK Deposit Facility Bank Indonesia Bank Indonesia Syariah Call Money PT Bank Bukopin Tbk PT BPD Kalimantan Timur PT Bank Pan Indonesia Tbk PT BPD Aceh PT BPD DKI Jakarta PT BPD Jawa Tengah PT BPD Nagari PT BPD Riau PT Bank OCBC NISP Tbk PT BPD Maluku PT BPD Jambi PT BPD Kalimantan Selatan PT BPD Lampung PT BPD Bengkulu PT BPD Sumatera Utara PT BPD Sumatera Selatan PT BPD Nusa Tenggara Timur PT BPD Sulawesi Utara PT BPD Sulawesi Tenggara PT BPD Sulawesi Tengah Time deposits PT Bank Danamon IndonesiaTbk PT Bank OCBC NISP Tbk PT Bank BNI Syariah PT BPD Jawa Tengah PT Bank CIMB Niaga Tbk PT Bank Andara PT Bank Mandiri (Persero) Tbk PT Bank Mega Tbk PT Bank Himpunan Saudara1906 Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank Sahabat Sampoerna

79 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

698



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3(1(03$7$1 3$'$ %$1. ,1'21(6,$ '$1 %$1./$,1 ODQMXWDQ

 3/$&(0(176 :,7+ %$1. ,1'21(6,$ $1' 27+(5%$1.6 FRQWLQXHG



G %HUGDVDUNDQ ODQMXWDQ

MHQLV

    

GDQ

QDPD

EDQN

G %\W\SHDQGFRXQWHUSDUW\EDQN FRQWLQXHG







 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

5XSLDK ODQMXWDQ    Deposito berjangka (lanjutan) PT BPD Sumatera Selatan PD BPR Kota Bandung PT BPRS Mentari PT Bank Muamalat Indonesia Tbk

  -

8.000 1.000 400 475

310.261

41.010

4.343 2.000

3.218 -

567 229 161 21 2

250 408 150 21 -

7.323

4.047

29.432

76.037

4.702.338

2.629.337

Tabungan PT Bank Mandiri (Persero) Tbk PD PK Garut PT Bank Rakyat Indonesia Persero) Tbk PT Bank Pan Indonesia Tbk PT Bank Muamalat Indonesia Tbk PT BPR Karyajatnika Sadaya PT Bank Mega Tbk

Lainnya

0DWDXDQJDVLQJ Deposit Facility

 

  61.925 4.764.263

Cadangan kerugian penurunan nilai   1HWR 

 

 

H 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ  

Rupiah Dolar Amerika Serikat

I  

 

 

 

 

Others

)RUHLJQFXUUHQFLHV Deposit Facility

2.629.337 (352)

Allowance for impairment losses

 

1HW

As of December 31, 2014 and 2013, placements with Bank Indonesia and other banks include placements based on sharia banking principles with carrying amounts of Rp1,288,600 and Rp706,400, respectively.

Dalam penempatan pada Bank Indonesia dan bank lain termasuk penempatan yang didasarkan pada prinsip perbankan syariah dengan nilai tercatat sebesar Rp1.288.600 dan Rp706.400 masing-masing pada tanggal 31 Desember 2014 dan 2013.

    

Savings PT Bank Mandiri (Persero) Tbk PD PK Garut PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Pan Indonesia Tbk PT Bank Muamalat Indonesia Tbk PT BPR Karyajatnika Sadaya PT Bank Mega Tbk

  -

(3.154)  

5XSLDK FRQWLQXHG  Time deposits (continued) PT BPD Sumatera Selatan PD BPR Kota Bandung PT BPRS Mentari PT Bank Muamalat Indonesia Tbk

H $YHUDJHLQWHUHVWUDWHVSHUDQQXP





 



6,47% 0,23%

3HUXEDKDQ FDGDQJDQ NHUXJLDQ SHQXUXQDQ QLODL

I

7,43% 0,00%

Rupiah United States Dollar

0RYHPHQWV LQ WKH LPSDLUPHQWORVVHV

DOORZDQFH

IRU



 

 

      

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 

Saldo awal Penyisihan (pembalikan) selama tahun berjalan  6DOGRDNKLU



  352 2.802

 

 

80 bank bjb Laporan Tahunan 2014

 2.111 (1.759)  

Beginning balance Provision (reversal) during the year (QGLQJEDODQFH

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 3(1(03$7$1 3$'$ %$1. ,1'21(6,$ '$1 %$1./$,1 ODQMXWDQ I

699



 3/$&(0(176 :,7+ %$1. ,1'21(6,$ $1' 27+(5%$1.6 FRQWLQXHG

3HUXEDKDQ FDGDQJDQ NHUXJLDQ SHQXUXQDQ QLODL ODQMXWDQ

I

0RYHPHQWV LQ WKH DOORZDQFH LPSDLUPHQWORVVHV FRQWLQXHG

IRU

Management believes that the above allowance for impairment losses is adequate.

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. g. Informasi mengenai klasifikasi aset keuangan yang mengalami penurunan nilai dan tidak mengalami penurunan nilai diungkapkan pada Catatan 46.

g.

Information with respect to classification of impaired and not impaired of financial assets are disclosed in Note 46.

h.

h.

The range of interest rates per annum for placements with Bank Indonesia and other banks are disclosed in Note 49.

Kisaran tingkat suku bunga per tahun untuk penempatan pada Bank Indonesia dan bank lain diungkapkan pada Catatan 49.

 /,$%,/,7$6'(5,9$7,)

 '(5,9$7,9(63$<$%/(

D %HUGDVDUNDQPDWDXDQJGDQMHQLV



D %DVHGRQFXUUHQF\DQGW\SH As of December 31, 2013, transaction of derivatives receivable and payable are follows:

Pada tanggal 31 Desember 2013, transaksi tagihan dan liabilitas derivatif adalah sebagai berikut:

'HVHPEHU'HFHPEHU        

       

       

              ,QVWUXPHQ

       

    -XPODKQRVLRQDO  PDWDXDQJDVLQJ  1RWLRQDODPRXQW  LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW  

6SRW%HOL Dolar Amerika Serikat











/LDELOLWDVGHULYDWLI Pihak ketiga

7DJLKDQ GHULYDWLI HNXLYDOHQ 5XSLDK 'HULYDWLYHV 5HFHLYDEOH (TXLYDOHQW 5XSLDK

       

 /LDELOLWDV   GHULYDWLI  HNXLYDOHQ  1RWLRQDODPRXQW  LQIRUHLJQ  FXUUHQFLHV  DQJNDSHQXK  IXOODPRXQW  



,QVWUXPHQW







6SRW%X\ United Stated Dollar

  7.395

E %HUGDVDUNDQKXEXQJDQ      

       

  



-

90

E %DVHGRQUHODWLRQVKLS

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

-

90

'HULYDWLYHVSD\DEOH Third parties

81 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

700

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 685$7%(5+$5*$

 0$5.(7$%/(6(&85,7,(6

D %HUGDVDUNDQMHQLVGDQPDWDXDQJ       



D

%\W\SHDQGFXUUHQF\



 

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

'LPLOLNLKLQJJDMDWXKWHPSR

 

 

 

+HOGWRPDWXULW\

   

   

   

7KLUGSDUWLHV 5XSLDK



3LKDNNHWLJD 5XSLDK Obligasi Sertifikat Deposito Bank Indonesia Sertifikat Bank Indonesia Sukuk

2.377.902 2.250.000 1.784.157 857

3.733.635 2.500.000 3.351.494 8.428

6.412.916 1LODLZDMDUPHODOXLODEDUXJL

Bonds Deposit Certificates of Bank Indonesia Certificates of Bank Indonesia Sukuk

9.593.557

 

 

 

)DLUYDOXHWKURXJKSURILWRUORVV

   

   

   

7KLUGSDUWLHV 5XSLDK



3LKDNNHWLJD 5XSLDK Reksadana Obligasi

1HWR 

 

454.823 257.632

281.261 416.992

712.455

698.253

 

E %HUGDVDUNDQSHQHUELW       





  

Perusahaan non-bank PT BNI Asset Management PT GAP Capital PT Perum Pegadaian (Persero) Tbk PT Mandiri Manajemen Investasi PT Danareksa (Persero) PT Bahana TCW Investment Management PT Indosat Tbk PT Permodalan Nasional Madani (Persero) PT Aneka Tambang (Persero) Tbk PT Jasa Marga (Persero) Tbk Lembaga Pembiayaan Ekspor Indonesia PT PLN (Persero)

4.034.157 286.108 88.942 60.000 54.545 30.000 25.228 25.000 20.000 15.000 10.000 -

E %\LVVXHU

5.851.494

Bank Indonesia

Non-bank companies 289.095 PT BNI Asset Management 77.237 PT GAP Capital 60.000 PT Perum Pegadaian (Persero) Tbk 50.660 PT Mandiri Manajemen Investasi 15.000 PT Danareksa (Persero) - PT Bahana TCW Investment Management 25.000 PT Indosat Tbk PT Permodalan Nasional 20.000 Madani (Persero) 15.000 PT Aneka Tambang (Persero) Tbk 35.000 PT Jasa Marga (Persero) Tbk 50.000 Lembaga Pembiayaan Ekspor Indonesia 7.000 PT PLN (Persero)

614.823

643.992

59.982

79.990

47.138

-

49.988 40.000 29.543 30.000 35.072 30.000 25.000 25.000

35.170 40.000 45.583 30.000 20.117 30.000 50.000 -

82 bank bjb Laporan Tahunan 2014

1HW

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Bank Indonesia

Bank PT Bank OCBC NISP Tbk PT Bank Tabungan Negara (Persero) Tbk PT Bank Tabungan Pensiunan Nasional Tbk PT BPD Sumatera Barat PT Bank Pan Indonesia Tbk PT BPD Lampung PT Bank Danamon Indonesia Tbk PT Bank Permata Tbk PT Bank CIMB Niaga Tbk PT Bank Rakyat Indonesia Tbk

 

Mutual funds Bonds

Banks PT Bank OCBC NISP Tbk PT Bank Tabungan Negara (Persero) Tbk PT Bank Tabungan Pensiunan Nasional Tbk PT BPD Sumatera Barat PT Bank Pan Indonesia Tbk PT BPD Lampung PT Bank Danamon Indonesia Tbk PT Bank Permata Tbk PT Bank CIMB Niaga Tbk PT Bank Rakyat Indonesia Tbk

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 685$7%(5+$5*$ ODQMXWDQ 

 0$5.(7$%/(6(&85,7,(6 FRQWLQXHG 

E %HUGDVDUNDQSHQHUELW ODQMXWDQ     





 



Pemerintah  

Peringkat obligasi berdasarkan pemeringkatan oleh PT Pemeringkat Indonesia (Pefindo) dan Fitch Rating tanggal-tanggal 31 Desember 2014 dan adalah sebagai berikut:    





 

E %\LVVXHU FRQWLQXHG 

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Bank (lanjutan) PT BPD Sulawesi Utara PT BPD Sumatera Utara PT BPD Riau PT Bank Internasional Indonesia Tbk PT BPD Sulawesi Selatan PT BPD DKI PT BPD NTT

   7RWDO

701

20.105 15.000 12.000

20.506 15.000 12.000

4.966 2.020 -

24.872 10.009 24.000 15.000

425.814

452.247

2.050.577

3.344.077

 



hasil Efek pada 2013

 

Banks (continued) PT BPD Sulawesi Utara PT BPD Sumatera Utara PT BPD Riau PT Bank Internasional Indonesia Tbk PT BPD Sulawesi Selatan PT BPD DKI PT BPD NTT Government 7RWDO

The bond ratings based on the result of rating by PT Pemeringkat Efek Indonesia (Pefindo) and Fitch Rating as of December 31, 2014 and 2013 are as follows:

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

PT Bank Danamon Indonesia Tbk PT Pegadaian (Persero) PT Bank Pan Indonesia Tbk PT BPD DKI PT Danareksa (Persero) PT BPD Sulawesi Utara PT BPD Lampung PT BPD Sumatera Utara PT BPD NTT PT BPD Riau Lembaga Pembiayaan Ekspor Indonesia PT BPD Sumatera Barat PT BPD Sulawesi Selatan PT Bank CIMB Niaga Tbk PT Aneka Tambang (Persero) Tbk PT Indosat Tbk PT Bank Tabungan Pensiunan Nasional Tbk PT Permodalan Nasional Madani (Persero) PT Bank OCBC NISP Tbk PT Bank Internasional Indonesia Tbk PT Bank Permata Tbk PT PLN (Persero) PT Jasa Marga (Persero) Tbk PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Tabungan Negara (Persero) Tbk

AAA AA+ AA A AAA A A A AAA A AAA

AA+ AA+ AA A+ A AAA+ AA AAA A A AAA AAAA+

AA

AA-

A AAA AA+ AAA AA AAA AA

A AAA AAA AA+ AAA AA -

PT Bank Danamon Indonesia Tbk PT Pegadaian (Persero) PT Bank Pan Indonesia Tbk PT BPD DKI PT Danareksa (Persero) PT BPD Sulawesi Utara PT BPD Lampung PT BPD Sumatera Utara PT BPD NTT PT BPD Riau Lembaga Pembiayaan Ekspor Indonesia PT BPD Sumatera Barat PT BPD Sulawesi Selatan PT Bank CIMB Niaga Tbk PT Aneka Tambang (Persero) Tbk PT Indosat Tbk PT Bank Tabungan Pensiunan Nasional Tbk PT Permodalan Nasional Madani (Persero) PT Bank OCBC NISP Tbk PT Bank Internasional Indonesia Tbk PT Bank Permata Tbk PT PLN (Persero) PT Jasa Marga (Persero) Tbk PT Bank Rakyat Indonesia Tbk PT Bank Tabungan Negara (Persero) Tbk

83 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

702



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 685$7%(5+$5*$ ODQMXWDQ 

 0$5.(7$%/(6(&85,7,(6 FRQWLQXHG 

F %HUGDVDUNDQMDWXKWHPSR

F %\PDWXULW\

   



 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 5XSLDK Kurang dari 1 tahun 1 - 5 tahun Lebih dari 5 - 10 tahun Lebih dari 10 - 15 tahun

 

  5.769.710 1.100.739 4.854 250.068

  8.845.305 1.169.113 45.000 232.392

5XSLDK Less than 1 year 1 - 5 years More than 5 - 10 years More than 10 - 15 years

 7RWDO 

 

 

 

7RWDO

G %HUGDVDUNDQ SHPHULQWDK

SHPHULQWDK

GDQ

EXNDQ



G %\JRYHUQPHQWDQGQRQJRYHUQPHQW



   



 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

  3HPHULQWDK   Sertifikat Deposito Bank Indonesia Sertifikat Bank Indonesia Surat Utang Negara Sukuk Obligasi Ritel Indonesia Surat Perbendaharaan Negara Surat Berharga Syariah Negara

%XNDQSHPHULQWDK Obligasi Reksadana

 

  2.202.019 1.832.138 816.577 495.777 466.043 272.180 -

2.471.389 3.380.104 1.266.292 124.240 813.068 1.135.624 4.854

6.084.734

9.195.571

  585.814 454.823 1.040.637

  7RWDO

 

 

  679.247 416.992

*RYHUQPHQW Deposit Certificates of Bank Indonesia Certificates of Bank Indonesia Government Bonds Sukuk Indonesia Ritel Bonds Government Treasury Bills Sharia Government Securities

1RQJRYHUQPHQW Bonds Mutual funds

1.096.239

 

 

7RWDO





H 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ        

 

Rupiah





 

H $YHUDJHLQWHUHVWUDWHVSHUDQQXP 

7,75%

6,82%

Rupiah



f.

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai tidak diperlukan karena pada tanggal 31 Desember 2014 dan 2013, surat berharga tidak mengalami penurunan nilai.



f.

Management believes that the allowance for impairment losses is not necessary because as of December 31, 2014 and 2013, marketable securities are not impaired.

g.

Bank mengakui keuntungan yang belum direalisasi-neto dari kenaikan nilai surat berharga untuk nilai wajar melalui laba rugi sebesar Rp67.934 untuk tahun yang berakhir pada tanggal 31 Desember 2014, yang disajikan dalam akun “Keuntungan yang belum direalisasi dari perubahan nilai wajar surat berharga - neto” di laporan laba rugi komprehensif.



g.

The Bank unrealized gain - net from the increase in value of fair value securities amounting to Rp67,934 for the years ended December 31, 2014 which is presented in the statement of comprehensive income as “Unrealized gain on changes in fair value of securities - net”.



  



84 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 685$7%(5+$5*$ ODQMXWDQ  h.

703

 0$5.(7$%/(6(&85,7,(6 FRQWLQXHG  

Bank mengakui kerugian yang belum direalisasi-neto dari penurunan nilai surat berharga untuk nilai wajar melalui laba rugi sebesar Rp56.585 untuk tahun yang berakhir pada tanggal 31 Desember 2013, yang disajikan dalam akun “Kerugian yang belum direalisasi dari perubahan nilai wajar surat berharga - neto” di laporan laba rugi komprehensif.

 ()(.()(. <$1* ',%(/, '(1*$1 -$1-, ',-8$/.(0%$/,



h.

The Bank unrealized loss - net from the decrease in value of fair value through profit or loss securities amounting to Rp56,585 for the years ended December 31, 2013 which is presented in the statement of comprehensive income as “Unrealized loss on changes in fair value of securities - net”.

0$5.(7$%/( 6(&85,7,(6 385&+$6(' 81'(5$*5((0(176725(6(// Marketable securities purchased under agreements to resell as of December 31, 2014 are as follows:

Efek-efek yang dibeli dengan janji dijual kembali pada tanggal 31 Desember 2014 adalah sebagai berikut: 

'HVHPEHU'HFHPEHU       

     

 



     

 &RXQWHUSDUW





      

  -HQLV6XUDW %HUKDUJD 7\SHRI 6HFXULWLHV 

     

                   1LODL1RPLQDO  7DQJJDO'LPXODL  1RPLQDO   &RPPHQFHPHQW  $PRXQW   'DWH 

 



 

     

7DQJJDO -XDO .HPEDOL 5HVHOO 'DWH

 

     

 3HQGDSDWDQ%XQJD      \DQJ%HOXP     +DUJD-XDO  'LDPRUWLVDVL    .HPEDOL   8QDPRUWL]HG   1LODL7HUFDWDW  5HVHOO   ,QWHUHVW   &DUU\LQJ  3ULFH   ,QFRPH   9DOXH

 

 

 

     

37%DQN5DN\DW,QGRQHVLD  3HUVHUR 7EN

 

7RWDO    

 

 

IDSD16011591S

200.000

24 Des / Dec 24, 2014

7 Jan / Jan 7, 2015

189.684

197

189.487

IDSD16011591S

200.000

24 Des / Dec 24, 2014

7 Jan / Jan 07, 2015

189.684

197

189.487

IDSD16011591S

200.000

24 Des / Dec 24, 2014

7 Jan / Jan 07, 2015

189.684

197

189.487

 

 

 

 

  

 



 :(6(/(.6325'$17$*,+$1/$,11<$ D %HUGDVDUNDQ KXEXQJDQ

MHQLV

   



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  7RWDO



 

 %,//6$1'27+(55(&(,9$%/(6 GDQ

D %\W\SHFXUUHQF\DQGUHODWLRQVKLS

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

  3LKDNNHWLJD      5XSLDK   Surat Keterangan Berdokumen Dalam Negeri (SKBDN) 0DWDXDQJDVLQJ Wesel Ekspor

  

    1.901

    21.153

 

  17.654

  23.568

 

 

 

7KLUGSDUWLHV 5XSLDK Domestic Documentary Letters of Credit )RUHLJQFXUUHQFLHV LC Export 7RWDO

85 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

704

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 :(6(/ (.6325 '$1 7$*,+$1 /$,11<$ ODQMXWDQ  D %HUGDVDUNDQ MHQLV KXEXQJDQ ODQMXWDQ 

PDWD

XDQJ

 %,//6$1'27+(55(&(,9$%/(6 FRQWLQXHG 

GDQ

D %\ W\SH FXUUHQF\ FRQWLQXHG  

Perincian wesel ekspor dan tagihan lainnya berdasarkan mata uang adalah sebagai berikut (lanjutan): 



'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 

      

      

-XPODKQRVLRQDO    -XPODKQRVLRQDO   PDWDXDQJDVLQJ   PDWDXDQJDVLQJ  1RWLRQDODPRXQW    1RWLRQDODPRXQW  LQIRUHLJQ   (NXLYDOHQ   LQIRUHLJQ   (NXLYDOHQ  FXUUHQFLHV   5XSLDK   FXUUHQFLHV   5XSLDK  DQJNDSHQXK  (TXLYDOHQW   DQJNDSHQXK  (TXLYDOHQW  IXOODPRXQW    5XSLDK   IXOODPRXQW    5XSLDK

      

      





3LKDNNHWLJD  5XSLDK  0DWDXDQJDVLQJ Dolar Amerika Serikat





  1.901



7RWDO

1.425.409 



17.654  

7RWDO

 

F $YHUDJHLQWHUHVWUDWHVSHUDQQXP



 

11,90% 3,53%



 10,07% 3,66%

Rupiah United States Dollar

Information with respect to maturities of bills and other receivables is disclosed in Note 48.

Informasi mengenai jatuh tempo wesel ekspor dan tagihan lainnya diungkapkan pada Catatan 48.

86 bank bjb Laporan Tahunan 2014

 

All bills and other receivables as of December 31, 2014 and 2013, are classified as current.

F 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ

Rupiah Dolar Amerika Serikat

7KLUGSDUWLHV 5XSLDK )RUHLJQFXUUHQFLHV United States Dollar

E %\FROOHFWLELOLW\

Seluruh wesel ekspor dan tagihan lainnya diklasifikasikan lancar pada tanggal-tanggal 31 Desember 2014 dan 2013.

    

23.568  



 

21.153 1.936.533

on



 

 

E %HUGDVDUNDQNROHNWLELOLWDV

UHODWLRQVKLS

Bills and other receivables based currencies are as follows (continued):



      

DQG



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 .5(',7<$1*',%(5,.$1 D %HUGDVDUNDQ NROHNWLELOLWDV

MHQLV

 PDWD

XDQJ

705

 /2$16

GDQ

D %\W\SHFXUUHQF\DQGFROOHFWLELOLW\

       

      







'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 



      

      

      

-XPODKQRVLRQDO    -XPODKQRVLRQDO    PDWDXDQJDVLQJ   PDWDXDQJDVLQJ  1RWLRQDODPRXQW    1RWLRQDODPRXQW  LQIRUHLJQ      LQIRUHLJQ     FXUUHQF\   (NXLYDOHQ   FXUUHQF\   (NXLYDOHQ  DQJNDSHQXK  (TXLYDOHQW   DQJNDSHQXK  (TXLYDOHQW   IXOODPRXQW    5XSLDK   IXOODPRXQW    5XSLDK 

3LKDNSLKDNEHUHODVL





 

 

 

 

5HODWHGSDUWLHV

5XSLDK Modal kerja Sindikasi Karyawan Konsumsi Investasi Program pemerintah





 

  569.605 244.616 24.995 17.748 13.892 -

 

  664.344 210.978 265 32.003 17.864 1.081

5XSLDK Working capital Syndicated Employees Consumer Investment Government programs



'RODU$PHULND6HULNDW Modal kerja





  179.790

8QLWHG6WDWHV'ROODU Working capital





870.856 



  2.227

926.535   246.001

873.083   



929.529

3LKDNNHWLJD





 

 

 

 

7KLUGSDUWLHV

5XSLDK Konsumsi Modal kerja Investasi Program pemerintah Sindikasi Karyawan





 

  35.936.364 7.297.756 1.883.442 1.957.614 1.022.678 478.230

 

  32.029.181 8.342.322 1.743.665 809.329 824.906 390.003

5XSLDK Consumer Working capital Investment Government programs Syndicated Employees



8QLWHG6WDWHV'ROODU Working capital Investment



48.576.084 



  2.994

'RODU$PHULND6HULNDW Modal kerja Investasi





  12.336.166 1.214.985

Total Cadangan kerugian penurunan nilai 1HWR





 

  152.783 15.048



   



  219.739 19.906

239.645

48.743.915

44.379.051

49.616.998

45.308.580

(1.588.837)

(1.019.520)

 

 

Total Allowance for impairment losses

 

1HW

Loans based on collectibility are as follows:

'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 



  3RNRN   &DGDQJDQ   3RNRN   &DGDQJDQ    3ULQFLSDO   $OORZDQFH   3ULQFLSDO   $OORZDQFH 

Individual Kolektif Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet 7RWDO

  18.055.825 1.635.654

167.831

Rincian kredit yang diberikan berdasarkan kolektibilitas adalah sebagai berikut: 

44.139.406

950.169

524.999

481.502

332.295

45.954.864 1.491.308 92.374 154.995 973.288

10.630 23.795 17.591 44.074 967.748

42.327.321 1.596.501 115.760 173.381 614.115

10.448 2.039 19.569 44.527 610.642

   

   

 

Individual Collective Current Special mention Substandard Doubtful Loss 7RWDO



87 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

706



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 .5(',7<$1*',%(5,.$1 ODQMXWDQ 



E %HUGDVDUNDQVHNWRUHNRQRPL

 /2$16 FRQWLQXHG  

E %\HFRQRPLFVHFWRU



   



 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Perdagangan Jasa-jasa dunia usaha Konstruksi Industri Pertanian Listrik,gas, dan air Pengangkutan dan pergudangan Jasa-jasa sosial Pertambangan Lain-lain

3.800.279 2.088.240 2.579.707 1.509.229 868.838 283.745 221.626 181.889 49.755 38.033.690

4.717.611 2.655.031 1.933.505 1.292.551 1.013.849 301.569 247.898 237.025 100.328 32.809.213

Trading Business services Construction Industry Agriculture Electricity,gas, and water Transportation and warehousing Social services Mining Others

Total Cadangan kerugian penurunan nilai

49.616.998

45.308.580

(1.588.837)

(1.019.520)

Total Allowance for impairment losses

 

 

 1HWR

 

The details of loans granted to “Others” are as follows:

Rincian kredit yang diberikan kepada sektor ekonomi “Lain-lain” adalah sebagai berikut: 



     

 

 

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Guna Bhakti Purna Bhakti Graha Bhakti Lain-lain  7RWDO

1HW

 

28.385.743 1.203.980 3.022 8.440.945

25.542.459 922.131 5.179 6.339.444

 

 

Guna Bhakti Purna Bhakti Graha Bhakti Others 7RWDO

%

Kredit Guna Bhakti merupakan Pembiayaan yang diberikan oleh Bank untuk debitur berpenghasilan tetap yang gajinya telah disalurkan melalui Bank dan/atau tempat debitur bekerja telah memiliki perjanjian kerjasama dengan Bank dimana sumber pengembaliannya berasal dari gaji debitur yang digunakan untuk keperluan konsumtif.

%

Guna Bhakti loan is a loan facility granted to employees who have permanent income for consumer purposes, whose salary has been channeled through the Bank and/or where the debtor works have had a cooperation agreement with the Bank whereby returns are derived from sources that are used salary debtor for consumptive purposes.

%

Kredit Purna Bhakti merupakan pembiayaan yang diberikan oleh Bank untuk debitur dengan status pensiunan sendiri atau pensiunan janda/duda yang gaji pensiunnya telah disalurkan melalui Bank dimana sumber pengembaliannya berasal dari gaji pensiun debitur yang digunakan untuk keperluan konsumtif.

%

The Purna Bhakti loan is financing provided by the Bank to the debtor himself retired status or retired widow/widower pension salary has been channeled through the Bank where the source of repayment from the debtor's salary pensions used for consumptive purposes.

%

Kredit Graha Bhakti merupakan fasilitas kredit yang diberikan kepada para Pegawai Negeri Sipil berpenghasilan tetap untuk keperluan pembangunan atau renovasi rumah.

%

The Graha Bhakti loan is a loan facility granted to civil servants who have permanent income for the purpose of housing construction or renovation.

88 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 .5(',7<$1*',%(5,.$1 ODQMXWDQ 



 /2$16 FRQWLQXHG 

E %HUGDVDUNDQVHNWRUHNRQRPL ODQMXWDQ  %

707



E %\HFRQRPLFVHFWRU FRQWLQXHG  %

Pembayaran kredit tersebut di atas sebagian besar dilakukan melalui pemotongan gaji bulanan oleh Bank.

F %HUGDVDUNDQSHULRGHVLVDMDWXKWHPSR



Loan repayments are mostly collected through monthly salary deduction by the Bank.

F %\UHPDLQLQJSHULRGWRPDWXULW\

        

      







'HVHPEHU'HFHPEHU

 'HVHPEHU'HFHPEHU

 

      

      

      

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW  LQIRUHLJQ   FXUUHQF\   DQJNDSHQXK   IXOODPRXQW  

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW   LQIRUHLJQ   FXUUHQF\   DQJNDSHQXK   IXOODPRXQW 

  

 





 

 

5XSLDK Kurang dari atau sama dengan 1 tahun Lebih dari 1 - 5 tahun Lebih dari 5 - 10 tahun Lebih dari 10 tahun

'RODU$PHULND6HULNDW Kurang dari atau sama dengan 1 tahun Lebih dari 1 - 5 tahun Lebih dari 5 - 10 tahun





      

 

45.065.941

 

  5.932 149.430 14.696

  12.078.681 7.858.799



 

242.639

49.616.998

45.308.580 (1.019.520)



 





'HVHPEHU'HFHPEHU

 'HVHPEHU'HFHPEHU

 

      

      

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW  LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW  

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW   LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW 

  

 

5XSLDK Kurang dari atau sama dengan 1 tahun Lebih dari 1 - 5 tahun Lebih dari 5 - 10 tahun Lebih dari 10 tahun





 

 

'RODU$PHULND6HULNDW Kurang dari atau sama dengan 1 tahun Lebih dari 1 - 5 tahun



 

   

 (NXLYDOHQ  5XSLDK  (TXLYDOHQW  5XSLDK

3.855.573 13.566.463 20.775.577 11.249.327

  12.544.357 1.186.584

Total Cadangan kerugian penurunan nilai 1HWR

  155.362 14.696



 

843.043 19.094.437

  10.260 232.379

170.058

242.639

49.616.998

45.308.580

 

5XSLDK Less than or equal to 1 year More than 1 - 5 years More than 5 - 10 years More than 10 years

45.065.941  

(1.588.837) 

  927.427 9.625.446 17.383.584 17.129.484

49.446.940 

1HW

G %\WHUPRIFUHGLWDJUHHPHQWV

      

   (NXLYDOHQ 5XSLDK (TXLYDOHQW 5XSLDK

Total Allowance for impairment losses

 



      

8QLWHG6WDWHV'ROODU Less than or equal to 1 year More than 1 - 5 years More than 5 - 10 years

170.058

 

5XSLDK Less than or equal to 1 year More than 1 - 5 years More than 5 - 10 years More than 10 years

  146.998 95.641 -

(1.588.837) 

 

49.446.940

G %HUGDVDUNDQMDQJNDZDNWXSHUMDQMLDQNUHGLW       

 (NXLYDOHQ  5XSLDK  (TXLYDOHQW  5XSLDK

3.801.985 13.518.718 17.815.382 9.929.856

        

   

1.022.224 8.776.728 26.220.785 13.427.203

478.923 12.065.434 1.186.584

Total Cadangan kerugian penurunan nilai 1HWR

   (NXLYDOHQ 5XSLDK (TXLYDOHQW 5XSLDK

(1.019.520)  

 

8QLWHG6WDWHV'ROODU Less than or equal to 1 year More than 1 - 5 years

Total Allowance for impairment losses 1HW

89 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

708



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 .5(',7<$1*',%(5,.$1 ODQMXWDQ 



 /2$16 FRQWLQXHG 

H .LVDUDQVXNXEXQJD

H 5DQJHRIORDQLQWHUHVWUDWHV

    

 



Rupiah Dolar Amerika Serikat

I

 

2% - 27% 6% - 8%

.UHGLW QRQSHUIRUPLQJ EHUGDVDUNDQ VHNWRU HNRQRPL

 3% - 27% 6% - 8%



Rupiah United States Dollar

I 1RQSHUIRUPLQJORDQVE\HFRQRPLFVHFWRU

 



      

      



'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 

    &DGDQJDQ         NHUXJLDQ      .UHGLWQRQ  SHQXUXQDQ   .UHGLWQRQ  SHUIRUPLQJ  QLODL  SHUIRUPLQJ  1RQ   $OORZDQFH   1RQ   SHUIRUPLQJ IRULPSDLUPHQW SHUIRUPLQJ   ORDQV   ORVVHV   ORDQV 

5XSLDK Perdagangan Jasa dunia usaha Pertanian Industri Konstruksi Jasa-jasa sosial Pengangkutan dan pergudangan Pertambangan Listrik, gas dan air Lain-lain 7RWDO





 &DGDQJDQ    NHUXJLDQ    SHQXUXQDQ    QLODL    $OORZDQFH   IRULPSDLUPHQW  ORVVHV    

5XSLDK Trading Business services Agriculture Industry Construction Social services Transportation and warehousing Mining Electricity, gas and water Others

 

7RWDO

859.579 257.668 167.873 158.260 186.475 26.751

702.130 183.601 150.402 144.590 132.236 21.584

567.881 197.495 127.737 123.169 83.445 16.953

414.233 136.284 110.746 105.526 78.007 15.093

146.502 6.660 230 252.267

12.869 6.630 229 188.362

7.334 5.520 137 152.782

6.816 5.398 26 118.276

 

 

 

Rasio kredit yang diberikan non-performing - kotor terhadap total kredit yang diberikan (Bank Bjb, PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak) adalah 4,16% dan 2,83% masing-masing pada tanggal 31 Desember 2014 dan 2013.

Non-performing loans - gross to total loan ratios (Bank Bjb, PD BPR LPK Garut Kota and PD BPR LPK Jalancagak) are 4.16% and 2.83% as of December 31, 2014 and 2013, respectively.

Rasio kredit yang diberikan non-performing - bersih terhadap total kredit yang diberikan (Bank Bjb, PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak) adalah 1,05% dan 0,64% masing-masing pada tanggal 31 Desember 2014 dan 2013.

Non-performing loans - net to total loan ratios (Bank Bjb, PD BPR LPK Garut Kota and PD BPR LPK Jalancagak) are 1.05% and 0.64% as of December 31, 2014 and 2013, respectively.

Rasio kredit non-performing - kotor terhadap total kredit (entitas induk) adalah 4,15% dan 2,83% masing-masing pada tanggal 31 Desember 2014 dan 2013.

Non-performing loans - gross to total loan ratios (parent only) are 4.15% and 2.83% as of December 31, 2014 and 2013, respectively.

Rasio kredit non-performing - bersih terhadap total kredit (entitas induk) adalah 1,04% dan 0,64% masing-masing pada tanggal 31 Desember 2014 dan 2013.

Non-performing loans - net to total loan ratios (parent only) are 1.04% and 0.64% as of December 31, 2014 and 2013, respectively.

90 bank bjb Laporan Tahunan 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 .5(',7<$1*',%(5,.$1 ODQMXWDQ  I



 /2$16 FRQWLQXHG 

,NKWLVDU NUHGLW QRQSHUIRUPLQJ EHUGDVDUNDQVHNWRUHNRQRPL ODQMXWDQ 



I 1RQSHUIRUPLQJ ORDQV E\ HFRQRPLF VHFWRU FRQWLQXHG  As of December 31, 2014 and 2013, the ratio of allowance for impairment losses on financial assets based on SFAS No. 55 (Revised 2011) to minimum allowance for impairment losses based on Bank Indonesia regulation is 76.75% and 69.66%, respectively.

Pada tanggal 31 Desember 2014 dan 2013, rasio jumlah cadangan kerugian penurunan nilai aset keuangan yang telah dibentuk berdasarkan PSAK No. 55 (Revisi 2011) terhadap jumlah minimum cadangan kerugian penurunan nilai aset keuangan sesuai ketentuan Bank Indonesia masing-masing adalah sebesar 76,75% dan 69,66%. J .UHGLW\DQJGLUHVWUXNWXULVDVL

J 5HVWUXFWXUHGORDQV Restructured loans as of December 31, 2014 and 2013 is amounted to Rp175,966 and Rp173,455, respectively. Details of the restructured loans are as follows:

Kredit yang direstrukturisasi pada tanggaltanggal 31 Desember 2014 dan 2013 masingmasing adalah sebesar Rp175.966 dan Rp173.455. Rincian kredit yang direstrukturisasi adalah sebagai berikut:    



 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Perpanjangan jangka waktu dan penurunan bunga Perpanjangan jangka waktu kredit Tambahan fasilitas Perpanjangan jangka waktu dan skema lain  7RWDO

 

161.498

163.674

12.477 -

9.548 226

1.991

7

 

Extension of loan period and interest rate reduction Extension of loan period Additional loan commitments Extension of loan period and other schemes

 

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Restructured loans by collectibility economic sector are as follows: 

Rincian kredit yang direstrukturisasi berdasarkan kolektibilitas dan sektor ekonomi adalah sebagai berikut:

and

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Konstruksi Industri Perdagangan Jasa-jasa dunia usaha Jasa-jasa sosial Pertanian Pengangkutan dan pergudangan Listrik, gas dan air Lain-lain

397 4.248 104 3.507 364

94.906 608 3.587 449 29

92 508 652 24

179

572

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58.812 435 6.096 -

94.998 60.325 9.101 6.649 3.507 417

126 -

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91 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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710

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Konstruksi Industri Jasa-jasa dunia usaha Perdagangan Listrik, gas dan air Jasa-jasa sosial Pengangkutan dan pergudangan Lain-lain

4.814 4.262 -

94.917 576 160

210 -

9.014 -

59.332 -

94.917 59.332 9.014 5.600 4.262 160

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Saldo awal Penyisihan selama tahun berjalan Penghapusbukuan selama tahun berjalan     

 

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1.019.520 612.345 (43.028)

 605.667 544.051

Beginning balance Provision during the year

 

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Write-offs during the year

 

 

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Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai yang dibentuk cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit yang diberikan.



Management believes that the allowance for impairment losses is adequate to cover possible losses arising from uncollectible loans.

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1) Kredit yang diberikan dijamin dengan deposito, agunan yang diikat dengan hak tanggungan atau surat kuasa untuk menjual dan jaminan lain yang umumnya diterima oleh perbankan.



1) Loans are secured by deposits, collateral bound by hypothecation or a power of attorney to sell and other collateral commonly accepted by banks.

2) Kredit konsumsi terdiri dari kredit pemilikan rumah, kredit kendaraan bermotor, dan kredit perorangan lainnya.



2) Consumer credit consists of housing, vehicles, and other personal loans.

92 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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L 2WKHU VLJQLILFDQW LQIRUPDWLRQ UHODWLQJ WR ORDQV FRQWLQXHG 3) Government Program Loans consist of Agricultural Business Loans, Primary and Member Cooperative Loans, and Small and Micro Business Loans. The outstanding balances of loans distributed through the channeling system as of December 31, 2014 and 2013, is amounting to Rp271,540 and Rp271,586, respectively.

3) Kredit Program Pemerintah terdiri atas Kredit Usaha Tani, Kredit Koperasi Primer dan Anggotanya, dan Kredit Pengusaha Kecil dan Mikro. Saldo kredit program yang disalurkan dengan sistem channeling pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp271.540 dan Rp271.586.

Kredit karyawan adalah kredit yang diberikan kepada karyawan untuk membeli kendaraan, rumah, atau keperluan lainnya dengan tingkat bunga sebesar 6,5% dan jangka waktu dari 1 sampai 20 tahun. Pinjaman dan bunganya dilunasi melalui pemotongan gaji setiap bulan.



4) Loans to employees are loans for purchasing vehicles, houses or other items with an interest rate of 6.5% and maturity terms of 1 to 20 years. The loans and interest payments are collected through monthly payroll deduction.

5) Pada tanggal 31 Desember 2014 dan 2013, Bank memenuhi ketentuan Bank Indonesia tentang Batas Maksimum Pemberian Kredit (BMPK).



5) As of December 31, 2014 and 2013, the Bank complied with the Legal Lending Limit (LLL) requirements of Bank Indonesia.

4)

6) The ratio of UMKM credit to total loans are 7.91% and 11.20% as of December 31. 2014 and 2013, respectively.

6) Rasio kredit UMKM terhadap kredit yang diberikan adalah 7,91% dan 11,20% masing-masing untuk tanggal 31 Desember 2014 dan 2013. 7) Keikutsertaan Bank dalam pinjaman sindikasi dengan bank lain adalah sebesar Rp1.267.294 dan Rp1.035.884 masing-masing pada tanggal 31 Desember 2014 dan 2013. Partisipasi Bank dalam pinjaman sindikasi tersebut berkisar antara 2,97%-35,71% dan 0,53%-33,33% masing-masing pada tanggal 31 Desember 2014 dan 2013.



8) Total loans written off as of December 31, 2014 and 2013 is amounting to Rp 198,894 and Rp271,059, respectively.

8) Kredit hapus buku pada tanggal 31 Desember 2014 dan 2013 masingmasing berjumlah Rp198.894 dan Rp271.059. 9)

Giro yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp1.409.348 dan Rp1.888.327 (Catatan 20d).

7) The Bank’s participation in syndicated loans with other banks amounted to Rp1.267.294 and Rp1.035.884 as of December 31, 2014 and 2013, respectively. The Bank’s participation in syndicated loans ranged between 2.97%35.71% and 0.53%-33.33% as of December 31, 2014 and 2013, respectively.



9) Current accounts blocked and pledged as loan collateral as of December 31, 2014 and 2013 is amounting to Rp 1,409,348 and Rp1,888,327, respectively (Note 20d).

93 bank bjb Annual Report 2014

711

The original consolidated financial statements included herein are in the Indonesian language.

 

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712



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10) Deposito yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp61.999 dan Rp37.406 (Catatan 20e).



10) Time deposits blocked and pledged as loan collateral as of December 31, 2014 and 2013 is amounted to Rp61,999 and Rp37,406, respectively (Note 20e).

11) Untuk tahun yang berakhir pada tanggaltanggal 31 Desember 2014 dan 2013, Bank telah melakukan perjanjian dan perikatan dengan PT Asuransi Bangun Askrida, Asuransi Jiwa Bersama Bumiputera 1912, Perum Jaminan Kredit Indonesia (dahulu Perum Sarana Pengembangan Usaha), PT Asuransi Jasaraharja Putera, PT Sarana Lindung Upaya, PT Asuransi Kredit Indonesia, Jamkrida Jabar, sehubungan dengan pertanggungan asuransi jiwa debitur Kredit Guna Bhakti. Nilai pertanggungan per debitur sebesar Plafon Penjaminan/ Plafon Pokok Kredit ditambah bunga sebesar 1 (satu) bulan. Premi asuransi tersebut ditanggung oleh debitur.



11) For the years ended December 31, 2014 and 2013, the Bank carried out a binding contract with PT Asuransi Bangun Askrida, Asuransi Jiwa Bersama Bumiputera 1912, Perum Jaminan Kredit Indonesia (formerly Perum Sarana Pengembangan Usaha), PT Asuransi Jasaraharja Putera, PT Sarana Lindung Upaya, PT Asuransi Kredit Indonesia, Jamkrida Jabar, in relation to life insurance coverage of Kredit Guna Bhakti debtors. The insured amount per debtor is equal to the guaranteed principal amount/loan principal amount plus 1 (one) month’s interest. The insurance premium is assumed by the debtors.

12) Bank telah melakukan penjualan atas kredit Guna Bhakti kepada PT Bank CIMB Niaga Tbk (CIMB) sebagaimana tertuang dalam Perjanjian Kerjasama antara Bank dengan CIMB sesuai Akta Notaris DR. Hj. Yenni Yunithawati Rukmana. S.H., No. 42 tanggal 17 Desember 2009. Perjanjian Jual Beli Piutang No. 127/DIR-PKD/2009, No. 2730/SPA/BDG/XII/2009 tanggal 21 Desember 2009 dan Perjanjian Pengalihan Piutang No. 128/DIRPKD/2009, No. 2731/Cessie-1/Asset Buy/2009 tanggal 21 Desember 2009. Sehubungan dengan penjualan kredit tersebut, Bank diberikan waktu enam bulan sejak tanggal perjanjian cessie untuk melakukan penambahan “transferrable clause” pada perjanjian kredit dengan debitur yang memberikan hak kepada Bank untuk menjual kredit debitur. Sampai dengan 31 Desember 2014, jumlah debitur yang telah menandatangani addendum perjanjian kredit yang telah menambahkan “transferrable clause” adalah sebanyak 7.055 orang atau sebesar 100% dari total debitur yang dialihkan.



12) The Bank conducted sales of Guna Bhakti loans to PT Bank CIMB Niaga Tbk (CIMB) based on the agreement between the Bank and CIMB which was notarized under Notarial Deed No. 42 dated December 17, 2009 of DR. Hj. Yenni Yunithawati Rukmana. S.H., Sales Agreement No. 127/DIR-PKD/2009. No. 2730/SPA/BDG/XII/2009 dated December 21, 2009 and Cessie Agreement No.128/DIR-PKD/2009, No. 2731/Cessie-1/Asset Buy/2009 dated December 21, 2009. In connection with the sale of loans, the Bank is given six months period since the date of cessie agreement to add a transferrable clause on the debtor’s loan agreement, which given the Bank a right to sell the loan. As of December 31, 2014, the number of debtors who had signed the credit agreement addendum which added the transferrable clause totaled 7,055 persons or 100% of the total debtors transferred.



94 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Kredit tersebut merupakan kredit yang diberikan kepada Pegawai Negeri Sipil dengan pembayaran melalui pemotongan gaji setiap bulannya. Nilai pokok kredit yang dijual dan dialihkan tersebut adalah sebesar Rp499.704 yang terdiri dari 7.055 debitur dengan jangka waktu kredit berkisar antara 7 sampai dengan 8 tahun. Bank telah mengeluarkan kredit yang bersangkutan dari laporan posisi keuangan Bank (derecognize). konsolidasian Setelah penjualan kredit tersebut, Bank akan bertindak sebagai agen, atau pihak yang mengelola pembayaran dari debitur dan mengadministrasikan dokumen kredit debitur sebagaimana tertuang dalam Akta No. 43 tanggal 17 Desember 2009, notaris DR. Hj. Yenni Yunithawati Rukmana, S.H. Sebagai agen, Bank memiliki liabilitas bulanan untuk mentransfer pembayaran yang diterima dari debitur kepada CIMB dan Bank akan menerima imbalan berupa selisih bunga antara bunga yang diterima Bank dari debitur dan bunga yang dibayarkan Bank kepada CIMB.



These loans are provided to government employees which are payable through monthly salary deduction. The loan principal sold and transferred totaled Rp499,704 which consisted of 7,055 debtors with loan period ranging from 7 to 8 years. The Bank removed the loans from its consolidated statements of financial position (derecognized). After the sale of loans, the Bank acts as agent, or the party which manages the payment from debtors and administers the debtor’s loan documents based on deed No. 43 dated December 17, 2009 of DR. Hj. Yenni Yunithawati Rukmana, S.H. As an agent, the Bank has a monthly obligation to transfer the payment received from the debtors to CIMB and the Bank will receive a fee from the interest spread between the interest received by the Bank from the debtors and the interest transferred by the Bank to CIMB.



13) The Bank purchased loans from PT Bank Pembangunan Daerah Nusa Tenggara Timur (BPD NTT) based on the agreement between the Bank and BPD NTT which was notarized under Notarial Deed No. 15 dated November 6, 2010 of Sylvia Gunawan, S.H., M.Kn., Sales Agreement No. 79/BNTT/XI/2010, o. 72/DirKom/2010 dated November 25, 2010 and Cessie Agreement No.80/BNTT/XI/2010, No.73/Dir-Kom/2010 dated November 25, 2010. The total commitment of the loans purchased amounted to Rp500,000. As of December 31, 2014, the total realization of the loans purchased amounted to Rp101,305 bilion which consisted of 1,910 debtors and the total outstanding amount in the consolidated statement of financial position as of December 31, 2014 amounted to Rp61,936 bilion.

13) Bank telah melakukan pembelian Kredit PT Bank Pembangunan Daerah Nusa Tenggara Timur (BPD NTT) sebagaimana tertuang dalam Perjanjian Kerjasama antara Bank dan BPD NTT sesuai dengan Akta Notaris Sylvia Gunawan, S.H., M.Kn., No.15 tanggal 6 November 2010. Perjanjian Jual Beli Piutang No. 79/BNTT/XI/2010, No. 72/DirKom/2010 tanggal 25 Nopember 2010 dan Perjanjian Pengalihan Piutang No. 80/BNTT/XI/2010, No. 73/Dir-Kom/ 2010 tanggal 25 Nopember 2010. Jumlah komitmen pembelian piutang ini adalah sebesar Rp500.000. Pada tanggal 31 Desember 2014, jumlah realisasi pembelian piutang adalah sebesar Rp101.305 milyar yang terdiri dari 1.910 debitur dan jumlah yang tercatat pada laporan posisi keuangan konsolidasian pada tanggal 31 Desember 2014 adalah sebesar Rp61.936 milyar.

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95 bank bjb Annual Report 2014

713

The original consolidated financial statements included herein are in the Indonesian language.

 

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Transaksi pembelian kredit tersebut merupakan transaksi without recourse. Semua hak, kepemilikan dan kepentingan atas kredit telah dialihkan kepada Bank dan Bank memperoleh seluruh keuntungan dan kerugian yang timbul dari kredit tersebut.



The loans purchase transaction is a nonrecourse transaction. All rights, ownership and interests of the loans are transferred to the Bank and the Bank obtains all benefits and risks on the loan.

Dalam hal terjadi tunggakan dari debitur, BPD NTT secara aktif berkewajiban untuk melakukan penagihan kepada debitur untuk kepentingan Bank sesuai prosedur yang berlaku.



When the debtors default, BPD NTT is obliged to conduct the collection procedures from the debtors for the Bank’s interest in accordance with the applicable procedures.

Setelah pembelian kredit tersebut, BPD NTT akan bertindak selaku pihak yang melakukan penagihan kepada debitur, memelihara dan mengadministrasikan tagihan secara tertib untuk kepentingan Bank dan melakukan penyetoran atas pembayaran yang diterima dari debitur baik berupa angsuran, bunga dan atau liabilitas lainnya yang menjadi hak Bank termasuk dalam hal terjadinya pembayaran dipercepat oleh debitur ke rekening penampung BPD NTT di Bank BJB, selambat-lambatnya dua hari kerja berikutnya sejak diterimanya pembayaran dari debitur.



After the purchase of loan, BPD NTT will act as a party who collect from debtors, maintain and administers the loan for the Bank’s interest and transfer the payment received from the debtors such as principal, interest and other liabilities payment, including advance payment from debtor to BPD NTT’s account in Bank BJB, at the latest of two working days after the payment is received from the debtor.

Kredit tersebut merupakan Kredit Multiguna yang disalurkan oleh BPD NTT kepada pegawai negeri sipil aktif di lingkungan Pemerintah Daerah Propinsi Nusa Tenggara Timur dan Kabupaten/Kota se-Propinsi Nusa Tenggara Timur, dengan kriteria antara lain: (a) maksimum plafon kredit sebesar Rp100 per debitur, (b) memiliki kolektibilitas 1 (satu)/lancar, (c) jangka waktu disesuaikan dengan jangka waktu kredit setiap debitur maksimal 10 (sepuluh) tahun sejak tanggal pengalihan.



These loans are Multiguna loans which are provided by BPD NTT to active government employees of province and municipalities/regencies in the province of Nusa Tenggara Timur with criteria of among others: (a) maximum credit limit of Rp100 per debtor, (b) collectibility 1 (one)/current, (c) period of loan is adjusted for each debtor to a maximum of 10 (ten) years since purchase date.

96 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Setelah pengalihan kredit tersebut, BPD NTT akan bertindak sebagai agen pengelolaan, atau pihak yang mengelola pembayaran dari debitur dan mengadministrasikan dokumen kredit debitur sebagaimana tertuang dalam Akta Notaris Sylvia Gunawan, S.H., M.Kn., No. 16 tanggal 6 November 2010 tentang Perjanjian Pengelolaan Piutang antara Bank dan BPD NTT. Atas jasa pengelolaan piutang tersebut, BPD NTT mendapat imbalan sebesar 23% dari setiap liabilitas bunga debitur yang telah disetor oleh BPD NTT dan diterima oleh Bank.



After the purchase of loans, BPD NTT acts as agent, or the party which manages the payment from debtors and administers the debtor’s loan documents based on deed No. 16 dated November 6, 2010 of Sylvia Gunawan, S.H., M.Kn regarding receivable management between Bank and BPD NTT. For the services rendered, BPD NTT will receive a fee at 23% of every debtor interest obligation paid by BPD NTT and received by the Bank.

14) Bank telah menandatangani Perjanjian Kerjasama Pembiayaan Kredit Multiguna dengan PT Bank Pembangunan Daerah Bengkulu (BPD Bengkulu) dengan bentuk Penerusan (Channeling) sebagaimana tertuang dalam Akta Notaris Mufti Nokhman, S.H. No. 15 tanggal 15 November 2010 dan Surat Penawaran (Offering Letter) Kerjasama Pembiayaan Kredit Multiguna No. 485/ KK-AK/2010 tanggal 11 November 2010 dari Bank yang telah disetujui oleh BPD Bengkulu. Dalam kerjasama ini, Bank memberikan kuasa kepada BPD Bengkulu untuk menyalurkan fasilitas kredit, menandatangani perjanjian kredit dan pengikatan jaminan masing-masing debitur, melaksanakan hak Bank sehubungan dengan jaminan dan melakukan penagihan pembayaran fasilitas kredit oleh debitur.



14) The Bank entered into an agreement with PT Bank Pembangunan Daerah Bengkulu (BPD Bengkulu) to provide Kredit Multiguna loans in the form of channeling as notarized in the Notarial Deed No. 15 dated November 15, 2010 of Mufti Nokhman, S.H., and Offering Letter of Kredit Multiguna loans No.485/KKAK/2010 dated November 11, 2010 from the Bank which was agreed by BPD Bengkulu. Under the agreement, the Bank gives authority to BPD Bengkulu to provide credit facilities, to sign the credit agreement and collateral binding agreement of each debtors, to execute the Bank’s right relating to guarantees and to receive repayment of the credit facility by the debtors.

Maksimum fasilitas dalam rangka kerjasama ini adalah sebesar Rp500.000 dengan jangka waktu kerjasama dan penarikan dana maksimal 12 bulan sejak perjanjian ditandatangani. Sampai dengan tanggal 31 Desember 2014, jumlah realisasi penyaluran kredit adalah sebesar Rp133.946 yang terdiri dari 2.367 debitur.



The maximum amount of the facility amounted to Rp500,000 with the period of the agreement and fund withdrawal for 12 months since the date the agreement was signed. Up to December 31, 2014, the total realization of the loan channeling amounted to Rp133,946 which consisted of 2,367 debtors.

97 bank bjb Annual Report 2014

715

The original consolidated financial statements included herein are in the Indonesian language.

 

716

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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Perjanjian ini mencantumkan beberapa persyaratan, antara lain: (a) BPD Bengkulu, selaku kuasa Bank, berliabilitas melakukan evaluasi terhadap calon debitur sesuai persyaratan yang ditentukan Bank; (b) pinjaman diberikan hanya kepada pegawai negeri sipil Pemerintah Daerah Propinsi dan Kota/Kabupaten di wilayah Propinsi Bengkulu yang fasilitas kreditnya disetujui dan pembayaran gajinya melalui BPD Bengkulu; (c) plafon dan jangka waktu kredit sesuai dengan ketentuan yang berlaku di BPD Bengkulu; (d) tingkat bunga sebesar 16,5% p.a. anuitas bulanan; (e) biaya provisi dan administrasi masing-masing sebesar 1% dan 0,25%; (f) setiap debitur wajib diikutsertakan dalam program asuransi jiwa dan PHK. Perjanjian kerjasama ini juga menjelaskan bahwa Bank mengangkat BPD Bengkulu sebagai agen pengelola fasilitas termasuk penyimpanan, pengadministrasian dan monitoring terhadap dokumen terkait kredit yang diberikan. Atas pemberian jasa agen pengelola ini, BPD Bengkulu berhak atas 15% dari setiap liabilitas bunga yang disetor BPD Bengkulu dan diterima Bank serta 50% dari pendapatan provisi dan biaya administrasi.



 3(0%,$<$$13,87$1*6<$5,$+



L 2WKHU VLJQLILFDQW LQIRUPDWLRQ UHODWLQJ WR ORDQV FRQWLQXHG The agreement stated several conditions, among others: (a) BPD Bengkulu, as the Bank’s behalf has an obligation to evaluate the potential debtors in accordance with the conditions set by the Bank; (b) the facility may be provided only for civil servants in the Province and Cities/Municipalities of Bengkulu area where the credit facilities were agreed and payment of salaries through BPD Bengkulu; (c) principal and credit term are in accordance with those applied in BPD Bengkulu; (d) interest rate at 16.5% p.a. monthly annuity; (e) provision and administration fees at 1% and 0.25%, respectively; (f) each debtor must be covered by life and work termination insurance. The agreement also stated that the Bank appointed BPD Bengkulu as a credit facility agent which includes the custody, administration and monitoring of the documents related to the credits. For services as an agent, BPD Bengkulu will receive fees amounting to 15% of the interest obligation paid by BPD Bengkulu and received by the Bank, and 50% of the provision and administration fees.

6+$5,$),1$1&,1*5(&(,9$%/(6

Pembiayaan dengan prinsip syariah seluruhnya diberikan dalam mata uang rupiah.

 

All sharia financing were granted in rupiah currency.

D



D %\W\SHDQGFROOHFWDELOLW\

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      'HVHPEHU

   3LKDNNHWLJD Konsumsi Modal kerja Investasi Sindikasi Karyawan

    

Total Cadangan kerugian penurunan nilai 1HWR

  /DQFDU &XUUHQW

   

'DODPSHUKDWLDQ    NKXVXV   .XUDQJ  6SHFLDO   ODQFDU   'LUDJXNDQ    PHQWLRQ  6XEVWDQGDUG  'RXEWIXO  

  2.075.973 1.239.236 572.566 69.524 39.607 3.996.906



  36.579 42.387 67.174 146.140

(11.441)

(766)

 

 

  7.216 12.014 96.938 -

   

  5.367 90.828 26.911 -

116.168

17.796

123.106

(25.228)

(3.480)

(58.232)

 

98 bank bjb Laporan Tahunan 2014

  2.977 11.249 3.570 -

0DFHW /RVV

 

 

7RWDO 7RWDO



 2.128.112 1.395.714 767.159 69.524 39.607 4.400.116

'HFHPEHU 7KLUGSDUWLHV Consumer Working capital Investment Syndicated Employees

(99.147)

Total Allowance for impairment losses



1HW

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3(0%,$<$$16<$5,$+ D

717



6+$5,$),1$1&,1*

%HUGDVDUNDQ MHQLV GDQ NROHNWLELOLWDV ODQMXWDQ 

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      'HVHPEHU

   3LKDNSLKDNEHUHODVL Konsumsi 3LKDNNHWLJD Modal kerja Konsumsi Investasi Sindikasi Karyawan

   

   

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7RWDO 7RWDO



'HFHPEHU



  2.248

  -

  -

  -

  -

 2.248

5HODWHGSDUWLHV Consumer



  1.432.174 1.338.940 551.782 79.066 33.016

  46.067 13.228 30.226 -

  5.844 1.393 12.792 -

  1.707 1.268 1.103 -

  35.301 3.196 4.409 -

 1.521.093 1.358.025 600.312 79.066 33.016

7KLUGSDUWLHV Working capital Consumer Investment Syndicated Employees

3.437.226

89.521

20.029

4.078

42.906

3.593.760

(1.019)

(23.492)

Total Cadangan kerugian penurunan nilai 1HWR

  /DQFDU &XUUHQW

(33.747) 

(2.981)

 

(855)

 

 

 

 

(62.094)

Total Allowance for impairment losses



1HW

 E %HUGDVDUNDQMHQLVDNDG



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Murabahah Musyarakah Mudharabah Qardh Aset yang diperoleh untuk Ijarah - neto Istishna

2.958.628 797.702 495.085 95.664

2.144.892 842.324 436.526 157.914

Murabahah Musyarakah Mudharabah Qardh

48.290 4.747

6.486 5.618

Asset acquired for Ijarah - net Istishna

Total Cadangan kerugian penurunan nilai

4.400.116

3.593.760

Total

 1HWR

 

(99.147)

(62.094)

Allowance for impairment losses

 

 

1HW

          

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Jasa dunia usaha Perdagangan Konstruksi Pengangkutan dan pergudangan Jasa-jasa sosial Industri Pertambangan

773.558 271.282 291.935

50.375 21.627 881

1.795 13.102 4.206

2.586 4.262 4.647

3.952 20.933 25.608

832.266 331.206 327.277

159.365 246.741 67.048 20.317

17.474 5.038 5.910 819

85.116 2.570 2.574 -

58 1.478 2.829 -

27.958 1.904 34.225 3.836

289.971 257.731 112.586 24.972

Listrik, gas dan air Pertanian Lain-lain

54.885 20.600 2.091.175

11.410 32.606

220 1.099 5.486

357 1.579

990 3.700

55.105 34.456 2.134.546

Total Cadangan kerugian penurunan nilai

3.996.906

146.140

116.168

17.796

123.106

4.400.116

(3.480)

(58.232)

1HWR 



(11.441)

(766)

 

 

(25.228)  

 

 

'HFHPEHU Business services Trading Constructions Transportation and warehousing Social services Industry Mining Electricity, gas and water Agriculture Others

(99.147)

Total Allowance for impairment losses



1HW

    

99 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

718



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 

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Jasa dunia usaha Perdagangan Konstruksi Pengangkutan dan pergudangan Jasa-jasa sosial Industri Pertambangan

1.025.819 195.860 203.473

20.219 19.033 701

2.052 4.613 72

580 1.050 1.049

8.148 7.155 20.252

1.056.818 227.711 225.547

137.736 134.334 151.935 27.411

962 31.817 2.987

9.547 286 2.066 -

131 -

18 353 3.395 -

147.301 136.066 189.213 30.398

Listrik, gas dan air Pertanian Lain-lain

59.995 26.502 1.474.161

293 211 13.298

1.393

1.268

389 3.196

60.288 27.102 1.493.316

Total Cadangan kerugian penurunan nilai

3.437.226

89.521

20.029

4.078

42.906

3.593.760

(1.019)

(23.492)

1HWR 

(33.747) 

(2.981)

 

(855)

 

G %HUGDVDUNDQSHULRGHVLVDMDWXKWHPSR

 



 

 

'HFHPEHU Business services Trading Constructions Transportation and warehousing Social services Industry Mining Electricity, gas and water Agriculture Others

(62.094)

Total Allowance for impairment losses



1HW

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Total Cadangan kerugian penurunan nilai  1HWR 

 

 

 

377.898 1.117.563 1.721.408 1.183.247

406.239 1.380.414 1.286.236 520.871

4.400.116

3.593.760

(99.147)

(62.094)

 

 

5XSLDK Less than or or equal to 1 year More than 1 - 5 years More than 5 - 10 years More than 10 years Total Allowance for impairment losses 1HW



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     Rupiah

 



 

6,00% -30,00%

100 bank bjb Laporan Tahunan 2014

 6,50% - 10,00%

Rupiah

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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719

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113.132 39.628 38.297 34.461 8.333 5.952 3.836 2.447 220 10.764

42.687 10.024 10.662 10.261 4.530 2.296 1.944 292 12 4.232

9.565 5.461 12.818 21.373 10.780 771 389 5.856

 

 

 

      

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      Transportation and warehousing Industry Trading Constructions Business services Social services Mining Agriculture Electricity, gas and water Others

3.621 2.067 4.852 8.090 4.080 292 147 2.217  

7RWDO

Pada tanggal 31 Desember 2014 dan 2013, rasio pembiayaan syariah non-performing - kotor terhadap jumlah pembiayaan syariah masingmasing sebesar 5,84% dan 1,86%.

As of December 31, 2014 and 2013, nonperforming sharia financing ratios - gross to total sharia financing are 5.84% and 1.86%, respectively.

Pada tanggal 31 Desember 2014 dan 2013, rasio pembiayaan syariah non-performing - neto terhadap jumlah pembiayaan syariah masingmasing sebesar 3,87% dan 1,16%.

As of December 31, 2014 and 2013, nonperforming sharia financing ratios - net to total sharia financing are 3.87% and 1.16%, respectively.



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Saldo awal Penyisihan selama tahun berjalan Penghapusbukuan selama tahun berjalan Penerimaan kembali pembiayaan yang telah dihapus buku 6DOGRDNKLU





 

77.844 70.448

(15.876)

(87.250)

2.033  



62.094 50.896

 

1.052  

Beginning balance Provision during the year Write-offs during the year Recovery of loans written-off (QGLQJEDODQFH

Management believes that the allowance for impairment losses is adequate to cover possible losses arising from uncollectible sharia financing.

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai yang dibentuk cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya pembiayaan syariah yang diberikan.

101 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

720

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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    5XSLDK Debitur non-bank

 

  8.191

  18.148

5XSLDK Non-bank debtors

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  10.244

  15.087

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7RWDO

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Informasi mengenai jatuh tempo tagihan dan liabilitas akseptasi diungkapkan pada Catatan 48.

Information with respect to maturities acceptances receivable and payable disclosed in Note 48.

Bank melakukan penilaian tagihan akseptasi secara individual dengan menggunakan bukti objektif atas penurunan nilai.

Bank assessed acceptances receivable individually for impairment using objective evidence of impairment.

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai tidak diperlukan pada tanggal-tanggal 31 Desember 2014 dan 2013, karena Manajemen berkeyakinan bahwa tagihan akseptasi dapat ditagih.

Management believes that no allowance for impairment losses is necessary as of December 31, 2014 and 2013, because management believes that acceptances receivable are fully collectible.

Seluruh tagihan akseptasi yang dimiliki tanggal 31 Desember 2014 dan 2013 diklasifikasikan sebagai lancar.

All of acceptances receivable as of December 31, 2014 and 2013, are classified as current.

 3(1<(57$$16$+$0 a.



 ,19(670(176,16+$5(6 a. Investments in shares represent shares participation in Bank Perkreditan Rakyat (BPR) and PT Asuransi Bangun Askrida.

Penyertaan saham merupakan penyertaan pada Bank Perkreditan Rakyat (BPR) dan PT Asuransi Bangun Askrida.  

 

   

   

   

 

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0HWRGHELD\D    BPR Kabupaten Cianjur Kabupaten Serang Kabupaten Bogor Kabupaten Indramayu Kabupaten Tangerang Kabupaten Bekasi Kabupaten Tasikmalaya Kabupaten Majalengka Kabupaten Lebak Kabupaten Ciamis Kabupaten Pandeglang PT Asuransi Bangun Askrida

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  13% 7% 9% 11% 2% 7% 7% 8% 10% 16% 8%

20.000

10%

20.000

10%

 

31.984

(4.236)

102

 

&RVWPHWKRG BPR Cianjur Regency Serang Regency Bogor Regency Indramayu Regency Tangerang Regency Bekasi Regency Tasikmalaya Regency Majalengka Regency Lebak Regency Ciamis Regency Pandeglang Regency PT Asuransi Bangun Askrida Total Allowance for impairment losses

(7.569)  



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2.816 2.400 1.590 1.260 1.050 990 600 423 405 300 150

1HWR

bank bjb Laporan Tahunan 2014

   7RWDO

13% 7% 9% 11% 2% 7% 7% 8% 9% 15% 8%

31.984

 

   

2.816 2.400 1.590 1.260 1.050 990 600 423 405 300 150

Total Cadangan kerugian penurunan nilai 

of is

 

1HW

The original consolidated financial statements included herein are in the Indonesian language.

 

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 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Lancar Kurang lancar Diragukan Macet

27.748 3.521 165 550

24.415 4.038 330 3.201

Current Substandard Doubtful Loss

Total Cadangan kerugian penurunan nilai

31.984

31.984

(4.236)

(7.569)

Total Allowance for impairment losses

 

 

1HWR

 

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Saldo awal Penyisihan (pembalikan) selama tahun berjalan

  6DOGRDNKLU

 

7.569

4.264

Beginning balance

(3.333)

3.305

Provision (reversal) during the year

 

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas adalah cukup untuk menutup kerugian yang mungkin timbul atas penyertaan saham. d.





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Management believes that the allowance for impairment losses mentioned above is sufficient to cover impairment losses on investments in shares. d.

Dividend income received from investments in shares in PT Asuransi Bangun Askrida and BPR for the years ended December 31, 2014 and 2013, is amounting to Rp7,928 and Rp6,116, respectively.

  ),;('$66(76

Berikut ini adalah aset tetap kepemilikan langsung yang dimiliki oleh Bank: 

 

Penerimaan dividen dari penyertaan saham pada PT Asuransi Bangun Askrida dan BPR untuk tahun yang berakhir pada tanggaltanggal 31 Desember 2014 dan 2013 masingmasing adalah sebesar Rp7.928 dan Rp6.116.

 $6(77(7$3



1HW

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Following is the direct ownership of fixed assets by the Bank:



    

   

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 149.714 482.758 636.392 32.074

 315

1.300.938 53.757

57.199 386.972

315 -

1.354.695

444.171

315

 171.417 463.905 20.304



655.626 

 4.161 9.289 42.091 1.658



 24.063 71.131 3.109



 222

98.303 



39.843 (39.843)







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1.798.551 



 195.480 535.036 23.191









 170.713 502.800 690.735 33.417 1.397.665 400.886

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 16.838 10.753 12.252 -



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753.707

103 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

722



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 $6(77(7$3 ODQMXWDQ  

  ),;('$66(76 FRQWLQXHG    

   

   

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 142.080 473.515 537.268 34.591

Aset dalam penyelesaian

$NXPXODVLSHQ\XVXWDQ Bangunan Perlengkapan Kendaraan







36.488 16.503

4.434 -

1.306.138

52.991

4.434

 148.317 403.339 19.609



 628 3.806

1.187.454 118.684



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 7.634 8.697 18.868 1.289



 23.100 60.670 719







81.430 (81.430)











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1.354.695 

128

 149.714 482.758 636.392 32.074 1.300.938 53.757

-

 104 24

84.489

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 171.417 463.905 20.304

-

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Total depreciation expense charged to other operating expenses amounted to Rp98,303 and Rp84,489 in 2014 and 2013, respectively.

Jumlah penyusutan yang dibebankan pada beban operasional lain adalah sebesar Rp98.303 dan Rp84.489 masing-masing pada tahun 2014 dan 2013.       

Rincian aset dalam penyelesaian pada tanggaltanggal 31 Desember 2014 dan 2013 adalah sebagai berikut: 

The details of constructions in progress as of December 31, 2014 and 2013 are as follows:

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 3HUVHQWDVH    SHQ\HOHVDLDQ    3HUFHQWDJHRI    FRPSOHWLRQ  

   

   

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6.315  

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40.510  





104 bank bjb Laporan Tahunan 2014

2014 2014 2014 



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 $6(77(7$3 ODQMXWDQ  Pada tanggal 31 Desember 2014 dan 2013, Bank memiliki 26 bidang tanah dengan sertifikat Hak Guna Bangunan (HGB). Masa berlaku HGB berakhir antara tahun 2014 sampai dengan tahun 2031. Manajemen berpendapat tidak terdapat masalah dengan perpanjangan hak atas tanah karena seluruh tanah diperoleh secara sah dan didukung dengan bukti kepemilikan yang memadai.

  ),;('$66(76 FRQWLQXHG  

As of December 31, 2014 and 2013, the Bank had 26 plots of land with Building Use Rights (Hak Guna Bangunan or HGB) titles. The HGB expiration period ranges from 2014 up to 2031. Management believes that there will be no difficulty in obtaining the extension of the landrights as all the land were acquired legally and are supported by sufficient evidence of ownership.

Nilai tercatat bruto dari aset tetap yang telah di depresiasi penuh oleh Bank namun masih digunakan adalah sebesar Rp405.643 dan Rp288.979, masing-masing pada tanggal 31 Desember 2014 dan 2013 (tidak diaudit).

The gross carrying amount of the Bank's fully depreciated fixed assets that are still in use amounted to Rp405,643 and Rp288,979 as of December 31, 2014 and 2013, respectively (unaudited).

Bank telah mengasuransikan aset tetap untuk menutupi kemungkinan kerugian terhadap risiko kebakaran, pencurian, dan bencana alam dengan nilai pertanggungan asuransi per 31 Desember 2014 dan 2013 masing-masing sebesar Rp1.788.707 dan RpRp1.137.131 pada PT Asuransi Bangun Askrida, PT Sarana Lindung Upaya, dan PT Jasaraharja Putera.

The Bank has insured its fixed assets to cover possible losses due to fire, theft, and natural disasters as of December 31, 2014 and 2013, for a total coverage of Rp1,788,707 and Rp1,137,131, respectively, with PT Asuransi Bangun Askrida, PT Sarana Lindung Upaya, and PT Jasaraharja Putera.

jumlah Manajemen berpendapat bahwa pertanggungan asuransi tersebut telah memadai untuk menutupi kemungkinan kerugian yang terjadi atas aset tetap yang dipertanggungkan.

Management believes that the insurance coverage is sufficient to cover possible losses on these insured fixed assets.

Manajemen berkeyakinan bahwa tidak terdapat indikasi penurunan potensial atas nilai aset tetap pada tanggal 31 Desember 2014 dan 2013.

Management believes that there is no indication of potential impairment in values of fixed assets as of December 31, 2014 and 2013.

Tidak terdapat aset tetap yang dijaminkan oleh Bank pada tanggal-tanggal 31 Desember 2014 dan 2013.

There are no fixed assets pledged by the Bank as of December 31, 2014 and 2013.



105 bank bjb Annual Report 2014

723

The original consolidated financial statements included herein are in the Indonesian language.

 

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724



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5XSLDK  Kredit yang diberikan dan pembiayaan syariah Surat berharga Penempatan pada Bank Indonesia dan bank lain

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  68.702



 

 



411.929 38.054

389.872 24.968

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2.427

451.791

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1.093  





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5XSLDK  Biaya dibayar di muka Uang muka pajak Beban ditangguhkan untuk pinjaman karyawan Beban tangguhan Persediaan keperluan kantor Setoran jaminan Uang muka pembelian gedung Lain-lain





'ROODU$PHULND6HULNDW Biaya dibayar di muka Lain-lain



 

  691.393 292.408

 



  59.649





 

  774.005 203.899

289.960

326.040 190.491

  739 -

 

106 bank bjb Laporan Tahunan 2014



Loans and sharia financing 7RWDO



 

202.482 17.842 9.157 9.659

5XSLDK Prepaid expenses Tax advance Accrued expense for employee loan Deferred charges Office supplies Security deposits Advance payment for building purchase Others



8QLWHG6WDWHV'ROODU Prepaid expenses Others



1.733.575   82.652 2.486.028

739 

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91.440 20.878 11.763 9.540

1.407.382

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5XSLDK Loans and sharia financing Marketable securities Placement with Bank Indonesia and other banks

 27+(5$66(76

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  1.006 30.256 31.262

 

 

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The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 $6(7/$,1/$,1 ODQMXWDQ

 27+(5$66(76 FRQWLQXHG Prepaid expenses consist of:

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5XSLDK  Sewa Premi asuransi Biaya pemeliharaan aset tetap Biaya promosi Uang muka karyawan Lain-lain

725

 

  219.316 168.728 139.761 105.445 55.710 2.433

 

691.393





 

  231.765 204.924 127.793 155.117 45.739 8.667

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774.005

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  59.649

  739

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 /,$%,/,7$66(*(5$       

      



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5XSLDK  Rekening titipan Kiriman uang Liabilitas kepada Kantor Bendahara dan Kas Negara Setoran jaminan yang telah jatuh tempo tetapi belum diambil nasabah Zakat, Infaq, dan Shadaqah Titipan kredit dan pembiayaan syariah Titipan dana bantuan pemerintah

'RODU$PHULND6HULNDW Setoran jaminan yang telah jatuh tempo tetapi belum diambil oleh nasabah Lain-lain





 

  756.805 617.624

 









 

  1.103.897 495.393 298.372

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646

1.093

806

902 1.942.132

 

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385.728

4.279 76

  271.522 8.357

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  3.305 102

5XSLDK Accounts not yet settled Money transfers Liabilities to the State Treasury and Cash Office Matured security deposits not yet collected by customers Zakat, Infaq, and Shadaqah Loans and sharia financing not yet settled Unsettled loans from government aid



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Liabilities to the Treasury Office and State Cash were tax payments received from individuals or companies by the Bank as a collecting bank.

Liabilitas kepada Kantor Bendahara dan Kas Negara merupakan hasil penerimaan pajak dari para wajib pajak baik perorangan maupun perusahaan yang diterima Bank sebagai bank persepsi.

107 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

726

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


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3LKDNSLKDNEHUHODVL 5XSLDK Giro Tabungan Simpeda Tandamata Gold Tandamata Tandamata Berjangka Tandamata Bisnis Tandamata Haji TabunganKu Deposito berjangka

 

 

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5.605 4.675 1.208 458 11 5 9 1.995.116

 





 

 

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240

334 11.769.248

    6.500.191

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34.612.280  

   

  15.402.997 21.504.692 2.602.548  551.036 563.510  30.540  273.869  677

 

   

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272.749

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108 bank bjb Laporan Tahunan 2014

    220 61   53

16.845.043

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The original consolidated financial statements included herein are in the Indonesian language.

 

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7KLUGSDUWLHV Rupiah Wadiah current accounts Wadiah savings TabunganKu iB

223.475 144.569 607

245.489 100.238 553

368.651

346.280

 

 

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5XSLDK 1 month 3 months 6 months 12 months More than 12 months

18.418.005

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  3.199.925 119.362 23.100 28.299

  39.632 1.478 286 350

  21.239.143 107.382 28.613 134.592

  258.481 1.307 348 1.638

8QLWHG6WDWHV'ROODU 1 month 3 months 6 months 12 months

(XUR8QL(URSD 1 bulan





  10.000

41.746   151

 

261.774   -

(XURSHDQ8QLRQ(XUR 1 month

41.897 7RWDO





 

 

261.774  

 

7RWDO

109 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

728

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 6,03$1$1 1$6$%$+ '$1 1$6$%$+6<$5,$+ ODQMXWDQ

6,03$1$1

 '(326,76 )520 &86720(56 $1' '(326,76 )520 &86720(56 ± 6+$5,$ FRQWLQXHG

F 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ       

 





 

F $YHUDJHLQWHUHVWUDWHVSHUDQQXP 

Giro Rupiah Dolar Amerika Serikat

0,19% 0,12%

0,24% 0,27%

Current accounts Rupiah United States Dollar

Tabungan Rupiah Dolar Amerika Serikat

0,44% 0,21%

0,59% 0,32%

Savings Rupiah United States Dollar

Deposito berjangka Rupiah Dolar Amerika Serikat

6,87% 1,12%

5,46% 1,11%

Time deposits Rupiah United States Dollar

d.

Giro yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan dan pembiayaan syariah pada tanggal-tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp1.409.348 dan Rp1.888.327 (Catatan 12i).

d.

Current accounts blocked and pledged as loan and sharia financing collateral as of December 31, 2014 and 2013 amounted to Rp1,409,348 and Rp1,888,327, respectively (Note 12i).

e.

Deposito yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan dan pembiayaan syariah pada tanggal-tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp61.999 dan Rp37.406 (Catatan 12i).

e.

Time deposits and sharia December 31, Rp61,999 and 12i).

 6,03$1$1'$5,%$1./$,1

blocked and pledged as loan financing collateral as of 2014 and 2013 amounted to Rp37,406, respectively (Note

 '(326,76)52027+(5%$1.6

D %HUGDVDUNDQMHQLVGDQPDWDXDQJ

D %\W\SHDQGFXUUHQF\



      

      







'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 

      

      

      

-XPODKQRVLRQDO    -XPODKQRVLRQDO   PDWDXDQJDVLQJ   PDWDXDQJDVLQJ  1RWLRQDODPRXQW    1RWLRQDODPRXQW  LQIRUHLJQ   (NXLYDOHQ   LQIRUHLJQ   (NXLYDOHQ  FXUUHQF\   5XSLDK   FXUUHQF\   5XSLDK  DQJNDSHQXK  (TXLYDOHQW   DQJNDSHQXK  (TXLYDOHQW  IXOODPRXQW    5XSLDK   IXOODPRXQW    5XSLDK

3LKDNSLKDNEHUHODVL 5XSLDK Tabungan Deposito berjangka Giro

 

 

   

3LKDNNHWLJD 5XSLDK Call money Tabungan Deposito berjangka Giro

 

 

   

'RODU$PHULND6HULNDW Call money





 

  -

7RWDO





 

 

    82.666 35.630 18.312

   

136.608     3.004.000 116.314 37.220 14.488

bank bjb Laporan Tahunan 2014

 

    92.325 47.770 4.780

    4.554.000 48.189 34.542 43.419

5HODWHGSDUWLHV 5XSLDK Savings Time deposits Current accounts

7KLUGSDUWLHV 5XSLDK Call money Savings Time deposits Current accounts

4.680.150   10.000.000

  121.700

 

 

3.172.022

110



144.875    

3.172.022





8QLWHG6WDWHV'ROODU Call money

4.801.850 7RWDO

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
729





 6,03$1$1'$5,%$1./$,1 ODQMXWDQ

 '(326,76)52027+(5%$1.6 FRQWLQXHG

D %HUGDVDUNDQMHQLVGDQPDWDXDQJ ODQMXWDQ

D %\W\SHDQGFXUUHQF\ FRQWLQXHG

Call money pada tanggal 31 Desember 2014 dan 2013 memiliki jatuh tempo kurang dari 1 (satu) bulan.

Call money as of December 31, 2014 and 2013, has a maturity period of less than 1 (one) month.

E 5LQFLDQ GHSRVLWR EHUMDQJND EHUGDVDUNDQ MDQJNDZDNWX

E 'HWDLOVRIWLPHGHSRVLWVE\WHUP

    





 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 5XSLDK 1 bulan 3 bulan 6 bulan 12 bulan 24 bulan



  45.241 5.260 200 21.848 301

  59.527 4.810 125 14.775 3.075

5XSLDK 1 month 3 months 6 months 12 months 24 months

   



 

 



F 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ

      

 



Rupiah Dolar Amerika Serikat

d.

  

F $YHUDJHLQWHUHVWUDWHVSHUDQQXP 

2,39% 0,00%

1,50% 0,40%

d.

Tidak terdapat simpanan dari bank lain yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan pada tanggal-tanggal 31 Desember 2014 dan 2013.

 ()(.()(. <$1* ',-8$/ '(1*$1 -$1-,  ',%(/,.(0%$/,

Rupiah United States Dollar

There are no deposits from other banks which are blocked and pledged as loan collateral as of December 31, 2014 and 2013.

 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5 5(385&+$6($*5((0(176 As of December 31, 2014, the details of marketable securities sold under repurchase agreements are as follows:

Pada tanggal 31 Desember 2014, rincian saldo efek-efek yang dijual dengan janji dibeli kembali adalah sebagai berikut:

'HVHPEHU'HFHPEHU       

     

 



1DVDEDK &XVWRPHU



     

     





3LKDNNHWLJD7KLUGSDUWLHV 



PT Bank Chinatrust Indonesia

  -HQLV6XUDW %HUKDUJD 7\SHRI 6HFXULWLHV 

     



                   1LODL1RPLQDO  7DQJJDO'LPXODL  1RPLQDO   &RPPHQFHPHQW  $PRXQW   'DWH 

      %HEDQ%XQJD  7DQJJDO      \DQJ%HOXP  3HPEHOLDQ  +DUJD3HPEHOLDQ 'LDPRUWLVDVL  .HPEDOL   .HPEDOL   8QDPRUWL]HG  5HSXUFKDVH   5HSXUFKDVH   ,QWHUHVW  'DWH   3ULFH   ([SHQVH

 



 

 

 

 

 



 

 

 

 

SUN FR0027

100.000

SUN FR0027 SPN 12151001

100.000 100.000

SR004

50.000

SUN FR0027

50.000

SUN FR0027

50.000

SR004

50.000

5 Des / Dec 5, 2014 3 Des / 2 Des / Dec 2, 2014 Dec 3, 2014 3 Des / Dec 3, 2014 4 Des / Dec 4, 2014 4 Des / Dec 4, 2014 5 Des / Dec 5, 2014

5 Feb / Feb 5, 2015 3 Feb / 2 Mar / Mar 2, 2015 Feb 3, 2015 5 Jan / Jan 5, 2015 4 Mar / Mar 4, 2015 4 Mar / Mar 4, 2015 5 Mar / Mar 5, 2015

     

      1LODL7HUFDWDW  &DUU\LQJ  9DOXH

 

     



 

92.519

578

91.941

92.552 86.827

545 921

92.007 85.906

44.622

31

44.591

46.529

532

45.997

46.529

532

45.997

45.093

524

44.569

111 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

730



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ()(.()(. <$1* ',-8$/ '(1*$1 -$1-,  ',%(/,.(0%$/, ODQMXWDQ 

 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5 5(385&+$6($*5((0(176 FRQWLQXHG  As of December 31, 2014, the details of marketable securities sold under repurchase agreements are as follows (continued):

Pada tanggal 31 Desember 2014, rincian saldo efek-efek yang dijual dengan janji dibeli kembali adalah sebagai berikut (lanjutan):

 'HVHPEHU'HFHPEHU       

     1DVDEDK  &XVWRPHU    

      

      

PT Bank Negara Indonesia (Persero) Tbk

PT Bank Bukopin Tbk

PT Bank Nagari (Persero) Tbk

PT Bank Rakyat Indonesia (Persero) Tbk



7RWDO 







  



 



  -HQLV6XUDW %HUKDUJD 7\SHRI 6HFXULWLHV 

      

                   1LODL1RPLQDO  7DQJJDO'LPXODL  1RPLQDO   &RPPHQFHPHQW  $PRXQW   'DWH      

IDSD170415182S

200.000

IDSD300415181S

200.000

IDSD080515182S

200.000

IDSD050615182S

150.000

IDSD220515182S

100.000

IDSD240415182S

125.000

IDSD090615182S

100.000

IDSD240415182S

25.000

SUN FR0027

50.000

SUN FR0027

50.000

IDSD180615182S

250.000

IDSD230615182S

250.000

IDSD06021591S

100.000

 

      

      1LODL7HUFDWDW  &DUU\LQJ  9DOXH 

     

8 Des / Dec 8, 2014 9 Des / Dec 9, 2014 10 Des / Dec 10, 2014 11 Des / Dec 11, 2014 11 Des / Dec 11, 2014

8 Jan / Jan 8, 2015 8 Jan / Jan 8, 2015 9 Jan / Jan 9, 2015 12 Jan / Jan 12, 2015 12 Jan / Jan 12, 2015

176.645

212

176.433

176.173

211

175.962

19 Des / Dec 19, 2014 19 Des / Dec 19, 2014 19 Des / Dec 19, 2014

175.953

243

175.710

131.341

249

131.092

87.797

167

87.630

19 Jan / Jan 19, 2015 19 Jan / Jan 19, 2015 19 Jan / Jan 19, 2015

110.495

352

110.143

87.648

288

87.360

22.103

73

22.030

22 Des / Dec 22, 2014 22 Des / Dec 22, 2014

22 Jan / Jan 22, 2015 22 Jan / Jan 22, 2015

45.734

170

45.564

45.734

170

45.564

29 Des / Dec 29, 2014 30 Des / Dec 30, 2014 29 Des / Dec 29, 2014

12 Jan / Jan 12, 2015 13 Jan / Jan 13, 2015 12 Jan / Jan 12, 2015

230.583

439

230.144

230.405

519

229.886

94.570

180

94.390

 

 

 





  



 





112 bank bjb Laporan Tahunan 2014

      %HEDQ%XQJD  7DQJJDO      \DQJ%HOXP  3HPEHOLDQ  +DUJD3HPEHOLDQ 'LDPRUWLVDVL  .HPEDOL   .HPEDOL   8QDPRUWL]HG  5HSXUFKDVH   5HSXUFKDVH   ,QWHUHVW  'DWH   3ULFH   ([SHQVH     

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
731





 ()(.()(. <$1* ',-8$/ '(1*$1 -$1-,  ',%(/,.(0%$/, ODQMXWDQ 

 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5 5(385&+$6($*5((0(176 FRQWLQXHG  As of December 31, 2013, the details of marketable securities sold under repurchase agreements are as follows:

Pada tanggal 31 Desember 2013, rincian saldo efek-efek yang dijual dengan janji dibeli kembali adalah sebagai berikut:

'HVHPEHU'HFHPEHU       

     

 



     

1DVDEDK &XVWRPHU



     





3LKDNNHWLJD7KLUGSDUWLHV 



PT Bank Bukopin Tbk

  -HQLV6XUDW %HUKDUJD 7\SHRI 6HFXULWLHV 

     



                   1LODL1RPLQDO  7DQJJDO'LPXODL  1RPLQDO   &RPPHQFHPHQW  $PRXQW   'DWH 

 



 

 

 

 

 



 

 

 

 

SUN FR 26

265.000

SUN FR 26

150.000

SUN FR 27

115.000

SUN FR 27

370.000

ORI 008

140.000

PT Bank Central Asia Tbk

IDSD170414182S

150.000

PT Bank Negara Indonesia (Persero) Tbk

IDSD170414182S

110.000

IDSD170414182S

110.000

IDSD170414182S

115.000

IDSD170414182S

110.000

SPN 12140703

390.000

SPN 12140731

450.000

ORI008

275.000

IDSD170414182S

120.000

IDSD240414182S

250.000

IDSD23011491S

200.000

PT Bank Mandiri (Persero) Tbk

PT Bank Panin Tbk

      %HEDQ%XQJD  7DQJJDO      \DQJ%HOXP  3HPEHOLDQ  +DUJD3HPEHOLDQ 'LDPRUWLVDVL  .HPEDOL   .HPEDOL   8QDPRUWL]HG  5HSXUFKDVH   5HSXUFKDVH   ,QWHUHVW  'DWH   3ULFH   ([SHQVH



7RWDO 







 



  









12 Nov / Nov 12, 2013 14 Nov / Nov 14, 2013 14 Nov / Nov 14, 2013 15 Nov / Nov 15, 2013 15 Nov / Nov 15, 2013 19 Des / Dec 19, 2013

13 Jan / Jan 13, 2014 15 Jan / Jan 15, 2014 15 Jan / Jan15, 2014 6 Jan / Jan 6, 2014 6 Jan / Jan 6, 2014 20 Jan / Jan 20, 2014

19 Des / Dec 19, 2013 19 Des / Dec 19, 2013 30 Des / Dec 30, 2013 30 Des / Dec 30, 2013

9 Jan / Jan 9, 2014 9 Jan / Jan 9, 2014 6 Jan / Jan 6, 2014 6 Jan / Jan 6, 2014

18 Des / Dec 18, 2013 18 Des / Dec 18, 2013 23 Des / Dec 23, 2013 23 Des / Dec 23, 2013 23 Des / Dec 23, 2013 23 Des / Dec 23, 2013

8 Jan / Jan 8, 2014 8 Jan / Jan 8, 2014 6 Jan / Jan 6, 2014 17 Jan / Jan 17, 2014 17 Jan / Jan 17, 2014 17 Jan / Jan 17, 2014

 



  



 

     

      1LODL7HUFDWDW  &DUU\LQJ  9DOXH

 

     



 

251.486

629

250.857

142.351

411

141.940

109.145

315

108.830

349.261

417

348.844

127.928

153

127.775

125.525

467

125.058

97.218

159

97.059

97.218

159

97.059

101.586

106

101.480

97.169

102

97.067

339.934

471

339.463

390.243

541

389.702

247.914

256

247.658

106.197

339

105.858

220.915

705

220.210

179.785

572

179.213

 

 





113 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

732

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ()(.+87$1*<$1*',7(5%,7.$1    



 



 '(%76(&85,7,(6,668('  'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Obligasi VII Bank Jabar Banten Obligasi VI Bank Jabar Banten

1.724.000 -

2.000.000 400.000

1.724.000

2.400.000

Beban emisi obligasi yang belum diamortisasi 7RWDO



(2.099)  

(3.389)

 

D 2EOLJDVL9,,%DQN-DEDU%DQWHQ



Bank Jabar Banten Bonds VII Bank Jabar Banten Bonds VI Unamortized bonds issuance cost

 

7RWDO

D %DQN-DEDU%DQWHQ%RQGV9,, 

Pada tanggal 10 Februari 2011, Bank menerbitkan Obligasi VII Bank Jabar Banten. Obligasi ini ditawarkan sebesar nilai nominal, dicatatkan di Bursa Efek Indonesia dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 31 Januari 2011.

On February 10, 2011, the Bank issued Bank Jabar Banten Bonds VII. The bonds were offered at their nominal value, listed in the Indonesia Stock Exchange and became effective based on Bapepam-LK Decision Letter dated January 31, 2011.

Obligasi VII Bank Jabar Banten terdiri dari:

Bank Jabar Banten Bonds VII consisted of:

1)

Seri A dengan nilai nominal Rp276.000 dengan suku bunga tetap sebesar 9,2% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tiga tahun dan akan jatuh tempo pada tanggal 9 Pebruari 2014.

1)

Series A with nominal value of Rp276,000 with fixed interest rate of 9.2% per annum which is payable every three months; with a three-year term; and are due on February 9, 2014.

2)

Seri B dengan nilai nominal Rp601.000 dengan suku bunga tetap sebesar 10,2% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama lima tahun dan akan jatuh tempo pada tanggal 9 Februari 2016.

2)

Series B with nominal value of Rp601,000 with fixed interest rate of 10.2% per annum which is payable every three months; with a five-year term; and are due on February 9, 2016.

3)

Seri C dengan nilai nominal Rp1.123.000 dengan suku bunga tetap sebesar 10,4% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tujuh tahun dan akan jatuh tempo pada tanggal 9 Februari 2018.

3)

Series C with nominal value of Rp1,123,000 with fixed interest rate of 10.4% per annum which is payable every three months; with a seven-year term; and are due on February 9, 2018.

Pada tanggal 7 Februari 2014, Obligasi VII Bank Jabar Banten Seri A dengan nilai nominal Rp276.000 telah dilunasi oleh Bank.

As of February 7, 2014, Bank Jabar Banten Bonds VII Series A with a total nominal value of Rp276,000 had been redeemed by the Bank.

Obligasi VII Bank Jabar Banten tidak dijamin dengan jaminan khusus, tetapi dijamin dengan seluruh harta kekayaan Bank.

Bank Jabar Banten Bonds VII are not secured by specific collateral, but are secured by all assets of the Bank.

Pada tanggal 31 Desember 2014, peringkat surat berharga ini menurut Pefindo adalah AA-.

As of December 31, 2014, the rating of the bonds based on Pefindo was id AA-.

114 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ()(.+87$1*<$1*',7(5%,7.$1 ODQMXWDQ



 '(%76(&85,7,(6,668(' FRQWLQXHG



D 2EOLJDVL9,,%DQN-DEDU%DQWHQ ODQMXWDQ 



D %DQN-DEDU%DQWHQ%RQGV9,, FRQWLQXHG  



Selama jangka waktu obligasi tersebut di atas, tanpa ijin tertulis dari wali amanat, Bank tidak diperkenankan untuk:

During the term of the above bonds, without the written permission of the trustee, the Bank is not allowed to:

1)

menerbitkan obligasi atau instrumen hutang lainnya yang sejenis yang mempunyai kedudukan lebih tinggi dan pembayaran didahulukan dari efek hutang, kecuali pengeluaran obligasi atau instrumen hutang lain yang sejenis yang tidak mempunyai jaminan khusus; maka Bank tidak memerlukan persetujuan tertulis dari wali amanat, namun cukup menyampaikan pemberitahuan secara tertulis kepada wali amanat, segera setelah Bank mempunyai rencana untuk mengeluarkan obligasi atau instrumen hutang lain yang sejenis tersebut;

1)

2)

mengurangi modal dasar dan modal disetor; melakukan penggabungan, konsolidasi, akuisisi dengan perusahaan lain yang menyebabkan bubarnya Bank, atau yang mempunyai akibat negatif terhadap kelangsungan usaha Bank, atau mengijinkan entitas anak (bila ada) untuk melakukan penggabungan, konsolidasi, dan/atau akuisisi dengan perusahaan lain yang menyebabkan bubarnya entitas anak (bila ada) atau yang mempunyai akibat negatif terhadap kelangsungan usaha entitas anak (bila ada), kecuali sepanjang dilakukan sesuai dengan ketentuan sebagai berikut:

2)



3)

i.

ii.

3)

issue bonds or other similar debt instruments which have a higher rank than the debt securities issued and whose payments are prioritized over the debt securities issued, except for the issue of bonds where the collateral is not bound under the existing trust agreements; except for the issue of bonds or other similar debt instruments which do not have specific collateral, then the Bank does not need written permission from the trustee, the Bank only required to submit written announcement to the trustee, right after the Bank’s plan to issue the bonds or other similar debt instruments; reduce the authorized capital and paidup capital; perform any merger, consolidation or acquisition with other companies which causes the liquidation of the Bank, or has a negative impact on the continuity of the Bank’s business, or to allow subsidiaries (if any) to perform any merger, consolidation, and/or acquisition with other companies which would cause the liquidation of the subsidiary (if any), or have a negative impact on the continuity of the subsidiary’s business (if any), except if it is conducted by the following criteria:

i. all requirements and conditions of the bonds in the trustee agreement and other related documents are still valid and completely bind the surviving company, and in the case where the Bank is not a surviving company, then all obligations related to the bond have been transferred legally to the surviving company, and the surviving company have adequate assets and capability to guarantee the payment of the bond and one of the surviving company’s business line is engaged in banking industry; or

semua syarat dan kondisi obligasi dalam perjanjian perwaliamanatan dan dokumen lain yang berkaitan tetap berlaku dan mengikat sepenuhnya perusahaan penerus (surviving company), dan dalam hal Bank bukan merupakan perusahaan penerus, maka seluruh kewajiban obligasi telah dialihkan secara sah kepada perusahaan penerus, dan perusahaan penerus tersebut memiliki aktiva dan kemampuan yang memadai untuk menjamin dan pembayaran obligasi perusahaan penerus tersebut salah satu bidang usahanya adalah bergerak dalam bidang perbankan; atau oleh perundangdisyaratkan undangan yang berlaku di Negara Republik Indonesia;

ii. is required by the prevailing law in Indonesia; 115 bank bjb Annual Report 2014

733

The original consolidated financial statements included herein are in the Indonesian language.

 

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734



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D %DQN-DEDU%DQWHQ%RQGV9,, FRQWLQXHG  

During the term of the above bonds, without the written permission of the trustee, the Bank is not allowed to (continued):

Selama jangka waktu obligasi tersebut di atas, tanpa ijin tertulis dari wali amanat, Bank tidak diperkenankan untuk (lanjutan):  4)

melakukan penjualan atau pengalihan aset tetap milik Bank kepada pihak manapun yang dalam satu tahun berjalan melebihi 50% dari seluruh aset tetap milik Bank berdasarkan laporan keuangan terakhir yang diaudit, dalam satu transaksi atau gabungan transaksi dalam 1 (satu) tahun berjalan;

4)

sell or transfer the Bank’s fixed assets to other parties which in one year exceed 50% of all fixed assets owned by the Bank based on the last audited financial statements, in one or combined transaction, in 1 (one) year;

5)

melakukan transaksi dengan pihak terafiliasi kecuali bila transaksi tersebut dilakukan dengan persyaratan yang menguntungkan Bank atau setidaktidaknya sama dengan persyaratan yang diperoleh Bank dari pihak ketiga yang bukan terafiliasi dalam transaksi yang lazim; dan

5)

conduct transactions with affiliated parties, except if the transaction is performed with terms and conditions which bring benefits to the Bank or at a minimum, similar to the terms and conditions of transactions conducted with third parties which are affiliated in common transactions; and

6)

memberi pinjaman kepada atau melakukan investasi dalam bentuk penyertaan saham pada pihak lain dan mengijinkan entitas anak (bila ada) memberi pinjaman kepada atau melakukan investasi dalam bentuk penyertaan saham pada pihak lain, kecuali dilakukan sehubungan dengan kegiatan yang sesuai dengan bidang usahanya, sesuai dengan anggaran dasar Bank atau bidang jasa keuangan lainnya atau sehubungan dengan pembangunan fasilitas usaha Bank dan/atau entitas anak (bila ada) yang bersangkutan dan pinjaman kepada karyawan, koperasi dan yayasan karyawan Bank dan/atau karyawan, koperasi dan yayasan karyawan entitas anak (bila ada).

6)

grant loans or to invest in the form of investments in share participation in other parties or to allow subsidiaries (if any) to grant loans to or to invest in the form of investments in shares in other parties, except if it is in line with its business activities, in accordance with The Articles of Association of the Bank or other financial service field, or related with the construction of Bank’s operations facility and/or subsidiaries (if any) and employee loan, Bank’s employee cooperation and foundation, and/or susidiaries’ employee cooperation and foundation (if any).

 During 2014 and 2013, the Bank did not breach the covenants of the above debt securities issued.

Selama tahun 2014 dan 2013, Bank tidak melanggar persyaratan-persyaratan dalam penerbitan efek hutang tersebut.

116 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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735



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E %DQN-DEDU%DQWHQ%RQGV9,

Obligasi VI Bank Jabar Banten diterbitkan pada tanggal 10 Juli 2009 terdiri dari:

Bank Jabar Banten Bonds VI was issued on July 10, 2009, and consisted of:

1)

1)

Seri A dengan nilai nominal Rp350.000 dengan suku bunga tetap sebesar 12,00% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama tiga tahun dan akan jatuh tempo pada tanggal 10 Juli 2012. Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 13 Juli 2009 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 30 Juni 2009.

Series A with nominal value of Rp350,000 with fixed interest rate of 12.00% per annum which is payable every three months; with a three-year term; and are due on July 10, 2012. The bonds was offered at its nominal value. listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 13, 2009 and became effective based on Bapepam-LK decision letter dated June 30, 2009. Bank Jabar Banten Bonds VI Series A with a total nominal value of Rp350,000 had been redeemed by the Bank on the due date.

Obligasi VI Bank Jabar Banten Seri A dengan nilai nominal Rp350.000 telah dilunasi oleh Bank pada tanggal jatuh tempo. 2)

2) Seri B dengan nilai nominal Rp400.000 dengan tingkat suku bunga tetap sebesar 12,50% per tahun yang dibayarkan setiap tiga bulan dan jangka waktu selama lima tahun dan akan jatuh tempo pada tanggal 10 Juli 2014. Obligasi ditawarkan sebesar nilai nominal, dicatat di Bursa Efek Surabaya (sekarang Bursa Efek Indonesia) pada tanggal 13 Juli 2009 dan dinyatakan efektif berdasarkan surat keputusan Bapepam-LK pada tanggal 30 Juni 2009.

Series B with nominal value of Rp400,000 with fixed interest rate of 12.50% per annum which is payable every three months; with a five-year term; and are due on July 10, 2014. The bonds were offered at their nominal value, listed on the Surabaya Stock Exchange (currently the Indonesia Stock Exchange) on July 13, 2009 and became effective based on Bapepam-LK decision letter dated June 30, 2009.

Obligasi VI Bank Jabar Banten Seri B dengan nilai nominal Rp400.000 telah dilunasi oleh Bank pada tanggal jatuh tempo.

Bank Jabar Banten Bonds VI Series B with a total nominal value of Rp400,000 had been redeemed by the Bank on the due date.

Obligasi VI Bank Jabar Banten tidak dijamin dengan jaminan khusus, tetapi dijamin dengan seluruh harta kekayaan Bank.

Bank Jabar Banten Bonds VI are not secured by specific collateral, but are secured by all assets of the Bank.

Selama jangka waktu obligasi-obligasi tersebut diatas, tanpa ijin tertulis dari wali amanat, Bank tidak diperkenankan untuk:

During the term of the above bonds, without the written permission of the trustee, the Bank is not allowed:

1)

1)

menerbitkan obligasi atau instrumen hutang lainnya yang sejenis yang mempunyai kedudukan lebih tinggi dan pembayaran didahulukan dari efek hutang, kecuali penerbitan obligasi yang agunannya tidak terikat berdasarkan perjanjian perwaliamanatan yang ada saat ini;

to issue bonds or other similar debt instruments which have a higher rank than the debt securities issued and whose payments are prioritized over the debt securities issued, except for the issue of bonds where the collateral is not bound under the existing trust agreements;

117 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

736

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E %DQN-DEDU%DQWHQ%RQGV9, FRQWLQXHG 

Selama jangka waktu obligasi-obligasi tersebut diatas, tanpa ijin tertulis dari wali amanat, Bank tidak diperkenankan untuk (lanjutan):

During the term of the above bonds, without the written permission of the trustee, the Bank is not allowed (continued):

2)

menjaminkan sebagian maupun seluruh pendapatan atau harta kekayaan Bank yang ada pada saat ini maupun di masa yang akan datang yang menjadi jaminan berdasarkan perjanjian perwaliamanatan; melaksanakan perubahan bidang usaha utama dan/atau memberikan ijin atau persetujuan kepada entitas anak (bila ada) untuk mengadakan perubahan bidang usaha utamanya;

2)

to pledge part or all of the Bank’s existing or future income or assets which are currently pledged as the bond’s collateral based on the trust agreement; to make changes in its main business activities and/or to grant permission or approval to subsidiaries (if any) to make changes to their main business activities;

3)

mengurangi disetor;

modal

3)

to reduce the authorized capital and paidup capital;

4)

melakukan penggabungan, konsolidasi atau akuisisi dengan perusahaan lain yang menyebabkan bubarnya Bank, atau yang mempunyai akibat negatif terhadap kelangsungan usaha Bank, atau mengijinkan entitas anak (bila ada) untuk melakukan penggabungan, konsolidasi, dan/atau akuisisi dengan perusahaan lain yang menyebabkan bubarnya entitas anak (bila ada) atau yang mempunyai akibat negatif terhadap kelangsungan usaha entitas anak (bila ada);

4)

to perform any merger, consolidation or acquisition with other companies which causes the liquidation of the Bank, or has a negative impact on the continuity of the Bank’s business, or to allow subsidiaries (if any) to perform any merger, consolidation, and/or acquisition with other companies which would cause the liquidation of the subsidiary (if any), or have a negative impact on the continuity of the subsidiary’s business (if any);

5)

melakukan penjualan atau pengalihan aset tetap milik Bank kepada pihak manapun yang dalam satu tahun berjalan melebihi 50% dari seluruh aset tetap milik Bank berdasarkan laporan keuangan terakhir yang diaudit;

5)

to sell or transfer the Bank’s fixed assets to other parties which in one year exceed 50% of all fixed assets owned by the Bank based on the last audited financial statements;

6)

melakukan transaksi dengan pihak terafiliasi, kecuali bila transaksi tersebut dilakukan dengan persyaratan yang menguntungkan Bank atau setidaktidaknya sama dengan persyaratan yang diperoleh emiten dari pihak ketiga yang bukan terafiliasi; dan

6)

to conduct transactions with affiliated parties, except if the transaction is performed with terms and conditions which bring benefits to the Bank or at a minimum, similar to the terms and conditions of transactions conducted with third parties which are affiliated; and

7)

kepada atau memberi pinjaman melakukan investasi dalam bentuk penyertaan saham pada pihak lain dan mengijinkan entitas anak (bila ada) memberi pinjaman kepada atau melakukan investasi dalam bentuk penyertaan saham pada pihak lain, kecuali dilakukan sehubungan dengan kegiatan yang sesuai dengan bidang usahanya.

7)

to grant loans or to invest in the form of investments in share participation in other parties or to allow subsidiaries (if any) to grant loans to or to invest in the form of investments in shares in other parties, except if it is in line with its business activities.

modal

dasar dan

118 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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Pada tahun 2014 dan 2013, Bank telah mengamortisasi biaya emisi obligasi masingmasing sebesar Rp1.290 dan Rp1.520 yang dicatat dalam laporan laba rugi komprehensif konsolidasian.

In 2014 and 2013, the Bank has amortized the bonds issuance cost amounting to Rp1,290 and Rp1,520, Respectively, recorded in the consolidated statements of comprehensive income.

Selama tahun 2014 dan 2013, Bank tidak melanggar persyaratan-persyaratan dalam penerbitan efek hutang tersebut.

During 2014 and 2013, the Bank did not breach the covenants of the above debt securities issued.

 3,1-$0$1<$1*',7(5,0$           





737

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 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

3LKDNNHWLJD  5XSLDK Pemerintah Provinsi Jawa Barat Kredit Cinta Rakyat PT Bank CIMB Niaga Tbk PT Bank Mandiri (Persero) Tbk PT Sarana Multigriya Finance PT Bank Andara Departemen Keuangan Lainnya

 

7RWDO



   

   

335.000 55.640 20.301 13.000 10.281 15.374 6.894

235.000 35.763 15.428 13.000 19.993 269 4.884

 

 

.UHGLW&LQWD5DN\DW



7KLUGSDUWLHV 5XSLDK West Java Province’s Government Cinta Rakyat Loan PT Bank CIMB Niaga Tbk PT Bank Mandiri (Persero) Tbk PT Sarana Multigriya Finance PT Bank Andara Ministry of Finance Others 7RWDO

&LQWD5DN\DW/RDQ

Pinjaman Kredit Cinta Rakyat merupakan kredit yang diberikan kepada pelaku usaha perorangan dan/atau badan usaha perorangan mikro dan kecil dalam sektor ekonomi produktif yang ada di wilayah Provinsi Jawa Barat untuk tujuan modal kerja dan/atau investasi yang mengikuti program dana bergulir dari Pemerintah Provinsi Jawa Barat. Jumlah fasilitas pinjaman ini sebesar Rp165.000, melalui Perjanjian Kerjasama No. 112/PKS/DIR-MK/2011 pada tanggal 12 Desember 2011 dengan jangka waktu selama 5 (lima) tahun. Pinjaman ini tidak dikenakan bunga. 

Kredit Cinta Rakyat borrowings are loans granted to individual enterprise and/or small and micro enterprises in productive economic sector in West Java Province, for working capital and/or investment that follow West Java Province’s Government Revolving Fund Programme. Total facility is Rp165,000; through Agreement No. 112/PKS/DIR-MK/2011 dated December 12, 2011 and will be due in 5 (five) years. This borrowings bears no interest. 

Pemerintah Provinsi Jawa Barat menambah jumlah fasilitas pinjaman ini sebesar Rp50.000, melalui Perjanjian Kerjasama No. 050/PKS/DIR-MK/2013 pada tanggal 11 April 2013 dengan jangka waktu selama 5 (lima) tahun, sebesar Rp20.000, melalui Perjanjian Kerjasama No. 102/PKS/DIR-MK/2013 pada tanggal 5 Desember 2013 dengan jangka waktu selama 5 (lima) tahun, dan sebesar Rp100.000, melalui Perjanjian Kerjasama No. 082/PKS/DIR-MK/2014 pada tanggal 11 September 2014 dengan jangka waktu selama 5 (lima) tahun. Pinjaman ini tidak dikenakan bunga.

West Java Province’s Government add total facility to Rp50,000; through Agreement No. 050/PKS/DIR-MK/2013 dated April 11, 2013 and will be due in 5 (five) years, Rp20,000; through Agreement No. 102/PKS/DIR-MK/2013 dated December 5, 2013 and will be due in 5 (five) years, and Rp100,000; through Agreement No. 082/PKS/DIR-MK/2014 dated September 11, 2014 and will be due in 5 (five) years. This borrowings bears no interest.

119 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

738

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'HSDUWHPHQ.HXDQJDQ

0LQLVWU\RI)LQDQFH 

Merupakan fasilitas pinjaman dalam rupiah yang diperoleh melalui Departemen Keuangan, yang ditujukan untuk membiayai proyek-proyek tertentu di Indonesia.

The loans represent facilities in rupiah obtained through the Ministry of Finance which are used to finance specific projects in Indonesia.

Pinjaman tersebut merupakan dana bergulir yang diberikan oleh Pemerintah, dalam hal ini Lembaga Pengelola Dana Bergulir (LPBD) Kementerian Negara Koperasi Usaha Kecil Menengah dan Koperasi, dalam rangka penyaluran kredit pemberdayaan masyarakat kepada Bank sebagai lembaga keuangan pelaksana yang ditunjuk, dengan menggunakan pola executing.

The borrowings are revolving funds provided by the Government, through Lembaga Pengelola Dana Bergulir (LPBD) Ministry of Cooperatives for Small Medium Enterprises and Cooperatives, in the framework of community development lending to the Bank as an appointed financial institution, using an executing pattern.

Tidak terdapat aset Bank yang dijadikan agunan atas pinjaman yang diterima di atas.

There are no Bank’s assets which are pledged as collateral with respect to above mention borrowings.

Bank bertindak sebagai penerus pinjaman untuk semua pinjaman yang diterima di mana Bank menanggung risiko kredit tidak tertagihnya piutang.

The Bank is acting as an executing bank for all these borrowings and therefore the Bank bears the credit risk arising from uncollectible receivables.

Pada tahun 2014 dan 2013 Bank telah memenuhi semua jadwal semua pembayaran pokok dan bunga pinjaman yang telah jatuh tempo. Bank juga telah memenuhi semua persyaratan yang ditetapkan dalam perjanjian pinjaman di atas.

In 2014 and 2013, the Bank has settled all the principal and interest of fund borrowing which has matured through schedule payments. Bank has complied with all of the existing term of the fund borrowing agreement.

37%DQN&,0%1LDJD7EN

37%DQN&,0%1LDJD7EN

PD BPR LPK Jalan Cagak (entitas anak) mendapatkan 4 (empat) fasilitas pinjaman dari PT Bank CIMB Niaga Tbk dengan total plafond sebesar Rp50.380. Pinjaman ini memiliki jangka waktu berkisar antara 60 sampai dengan 72 bulan dengan suku bunga pinjaman berkisar antara 11,00% sampai dengan 14,50% per tahun.

PD BPR LPK Jalan Cagak (subsidiary) received 4 (four) borrowing facility from PT Bank CIMB Niaga Tbk with a total plafond of Rp50.380. This borrowing has a period ranging from 60 to 72 months with interest rate ranging from 11.00% to 14.50% per annum.

PD BPR LPK Garut Kota (entitas anak) mendapatkan 2 (dua) fasilitas pinjaman dari PT Bank CIMB Niaga Tbk dengan total plafond sebesar Rp16.000 dengan jangka waktu 60 bulan dan bunga sebesar 11,00% dan 13,00% per tahun.

PD BPR LPK Garut Kota (subsidiary) received 2 (two) borrowing facility from PT Bank CIMB Niaga Tbk with a total plafond of Rp16,000 and period of 60 months and interest ranging from 11.00% and 13.00% per annum.

Bank telah semua persyaratan yang ditetapkan dalam perjanjian pinjaman.

Bank has complied with all of the existing term of the fund borrowing agreement.

37%DQN0DQGLUL 3HUVHUR 7EN



PD BPR LPK Jalan Cagak (subsidiary) received 3 (three) borrowing facility from PT Bank Mandiri (Persero) Tbk with a total plafond of Rp9,171. This borrowing will matured in 2015 to 2017. The interest rate ranging from 11.00% to 13.50% per annum.

PD BPR LPK Jalan Cagak (entitas anak) mendapatkan 3 (tiga) fasilitas pinjaman dari PT Bank Mandiri (Persero) Tbk dengan total plafond sebesar Rp9.171. Pinjaman ini memiliki akan jatuh tempo pada tahun 2015 sampai dengan 2017. Suku bunga pinjaman berkisar antara 11,00% sampai dengan 13,50% per tahun. 120 bank bjb Laporan Tahunan 2014

37%DQN0DQGLUL 3HUVHUR 7EN

The original consolidated financial statements included herein are in the Indonesian language.

 

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739





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37%DQN0DQGLUL 3HUVHUR 7EN ODQMXWDQ 



37%DQN0DQGLUL 3HUVHUR 7EN FRQWLQXHG 

PD BPR LPK Garut Kota (entitas anak) mendapatkan 3 (tiga) fasilitas pinjaman dari PT Bank Mandiri (Persero) Tbk dengan total plafond sebesar Rp16.031. Pinjaman ini memiliki jangka waktu yang berkisar antara 24 sampai dengan 60 bulan. Suku bunga pinjaman berkisar antara 12,00% sampai dengan 13,50% per tahun.

PD BPR LPK Garut Kota (subsidiary) received 3 (three) borrowing facility from PT Bank Mandiri (Persero) Tbk with a total plafond of Rp16,031. This borrowing has a period ranging from 24 to 60 months. The interest rate ranging from 12.00% to 13.50% per annum.

Bank telah semua persyaratan yang ditetapkan dalam perjanjian pinjaman.

Bank has complied with all of the existing term of the fund borrowing agreement.

37%DQN$QGDUD

37%DQN$QGDUD

PD BPR LPK Jalan Cagak (entitas anak) mendapatkan 3 (tiga) fasilitas pinjaman dari PT Bank Andara dengan total plafond sebesar Rp15.000. Pinjaman ini memiliki jangka waktu 36 bulan dengan suku bunga berkisar antara 11,50% sampai dengan 12,75% per tahun.

T PD BPR LPK Jalan Cagak (subsidiary) received 3 (three) borrowing facility from PT Bank Andara with a total plafond of Rp15,000. This borrowing has a period of 36 months. The interest rate ranging from 11.50% to 12.75% per annum.

PD BPR LPK Garut Kota (entitas anak) mendapatkan 3 (tiga) fasilitas pinjaman dari PT Bank Andara dengan total plafond sebesar Rp15.000. Pinjaman ini memiliki jangka waktu yang berkisar antara 36 sampai dengan 48 bulan. Suku bunga pinjaman berkisar antara 11,00% sampai dengan 13,00% per tahun.

PD BPR LPK Garut Kota (subsidiary) received 3 (three) borrowing facility from PT Bank Andara with a total plafond of Rp15,000. This borrowing has a period ranging from 36 to 48 months. The interest rate ranging from 11.00% to 13.00% per annum.

Bank telah semua persyaratan yang ditetapkan dalam perjanjian pinjaman.

Bank has complied with all of the existing term of the fund borrowing agreement.

3LQMDPDQ'LWHULPD/DLQQ\D

2WKHU%RUURZLQJV  Other borrowings consist of:

Pinjaman diterima lainnya terdiri dari:      





 

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

3LKDNNHWLJD   5XSLDK   PT Bank Tabungan Pensiunan Nasional Tbk PT Bank Sampoerna PT Bank Danamon Indonesia Tbk PT Bank Negara Indonesia (Persero) Tbk PT Permodalan Nasional Madani Rekening Dana Investasi PT Bank Tabungan Negara (Persero) Tbk Pinjaman FIDP 7RWDO



   

   

3.764 1.269 1.262

3.818

599 -

782 250

-

28 6

 

 

7KLUGSDUWLHV 5XSLDK PT Bank Tabungan Pensiunan Nasional Tbk PT Bank Sampoerna PT Bank Danamon Indonesia Tbk PT Bank Negara Indonesia (Persero) Tbk PT Permodalan Nasional Madani Investment Fund Account PT Bank Tabungan Negara (Persero) Tbk FIDP Loans 7RWDO

121 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

740



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 (67,0$6, .(58*,$1 .217,1-(16, D (VWLPDVL NHUXJLDQ NRQWLQMHQVL    



.20,70(1

'$1

 (67,0$7(' /266(6 21 &200,70(176 $1' &217,1*(1&,(6

NRPLWPHQ

GDQ

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 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 5XSLDK Fasilitas kredit yang belum digunakan Bank garansi

 

 7RWDO 

 

 

 

936 1.194

644 854

 

E 3HUXEDKDQ HVWLPDVL NHUXJLDQ NRPLWPHQ GDQNRQWLQMHQVL

 

5XSLDK Unused loan facility Bank guarantee 7RWDO

E 0RYHPHQWV LQ WKH HVWLPDWHG ORVVHV RQ FRPPLWPHQWVDQGFRQWLQJHQFLHV

  

 

 

 

 

 

      

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 

Saldo awal Pembentukan selama tahun berjalan  6DOGRDNKLU

 



  1.498

1.433

632

65

 

 3$-$.3(1*+$6,/$1





    %DQN Pajak penghasilan badan Pajak penghasilan Pasal 21 Pasal 25 Pasal 4(2) dan 23

    (QWLWDVDQDN Pajak penghasilan badan Pajak penghasilan Pasal 21 Pasal 4(2) dan 23

    7RWDO

(QGLQJEDODQFH

D 7D[HVSD\DEOH  

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 

  20.010

38.565 17.774 17.452

31.206 32.857 16.743

87.600

100.816

 

 

 

13.809

 

 

9.977

652

3.930 4.244

83 125

18.151

860

 

122 bank bjb Laporan Tahunan 2014

 

 ,1&20(7$;

D +XWDQJSDMDN 

Beginning balance Provision during the year

Management believes that the above estimated losses on commitments and contingencies is adequate.

Manajemen berpendapat bahwa jumlah estimasi kerugian komitmen dan kontinjensi yang dibentuk telah memadai.

  



 

%DQN Corporate income tax Income tax Article 21 Article 25 Articles 4(2) and 23

6XEVLGLDU\ Corporate income tax Income tax Article 21 Articles 4(2) and 23

7RWDO



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3$-$.3(1*+$6,/$1 ODQMXWDQ 

 ,1&20(7$; FRQWLQXHG 

E 0DQIDDW EHEDQ SDMDN  

 

 

 

 

 

        %DQN  Pajak kini Pajak tangguhan

 (QWLWDVDQDN Pajak kini Pajak tangguhan

E 7D[EHQHILW H[SHQVH   

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
   

 



 



  307.488 (3.598)

  375.447 (8.679)

303.890

366.768

  15.705 (1.140)

  11.903 (2.184)

14.565  1HWR 

741

 

 

%DQN Current tax Deferred tax

6XEVLGLDU\ Current tax Deferred tax

9.719  

1HW

The reconciliation between the tax expense computed by applying the applicable tax rate on the income before tax expense and the tax expense shown in the statement of income are as follows:

Rekonsiliasi antara beban pajak penghasilan dengan menggunakan tarif pajak yang berlaku dari laba sebelum beban pajak dan beban pajak penghasilan seperti yang disajikan dalam laporan laba rugi komprehensif adalah sebagai berikut: 

 

 

 

 

 

 

      

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 



 



Laba sebelum beban pajak Laba sebelum beban pajak entitas anak Transaksi eliminasi

1.438.490

Laba sebelum beban pajak (Bank)

1.407.443

1.743.431

Income before tax expense (Bank only)

281.489

348.686

Tax expense calculated at prevailing tax rate

22.401 14.565

18.082 9.719

Non-deductible expenses Tax expense of subsidaries

(43.201) 12.154

Pajak dihitung pada tarif pajak yang berlaku Pengaruh beban yang tidak dapat dikurangkan Beban pajak entitas anak  %HEDQSDMDNQHWR

 

 

1.752.874 (47.730) 38.287

 

Income before tax expense Income before tax expensesubsidiaries Elimination transaction

7D[H[SHQVHQHW

The reconciliation between income before tax expense, as shown in the statement of comprehensive income are as follows:

Rekonsiliasi antara laba sebelum beban pajak menurut laporan laba rugi komprehensif dengan taksiran penghasilan kena pajak, adalah sebagai berikut:

123 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

742



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3$-$.3(1*+$6,/$1 ODQMXWDQ 

 ,1&20(7$; FRQWLQXHG 



E

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E

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 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 



Laba sebelum beban pajak (Bank)

 



1.407.443

1.743.431

Income before tax expense (Bank only)



%HGDWHPSRUHU   Pembentukan (pembalikan) kerugian kredit Penghargaan kerja Penyisihan (pembalikan) beban Corporate Social Responsibility Penyisihan beban imbalan kerja Penyisihan (pembalikan) kerugian aset non produktif dan aset produktif selain kredit yang diberikan dan pembiayaan syariah Kerugian perubahan nilai surat berharga yang diperdagangkan

 

%HGDWHWDS   Beban yang tidak dapat dikurangkan

 

(35.811) (390)

78.807 5.056

(17.083) 23.599

11.852 14.434

(3.361)

898

51.036

(67.654)

17.990

43.393

  112.006

Laba kena pajak

7HPSRUDU\GLIIHUHQFHV Provision for (reversal of) allowance for loan losses Gratuity Provision for (reversal of) Corporate Social Responsibility Provision for employee benefits Provision for (reversal of) possible losses on non-earning assets and earning assets other than loans and sharia financing Loss from changes in fair value of held-for-trading marketable securities

  90.414

3HUPDQHQWGLIIHUHQFHV Non-deductible expenses

1.537.439

1.877.238

Taxable income

Beban pajak penghasilan badan

307.488

375.448

Corporate income tax expense

Dikurangi pajak dibayar dimuka

(293.679)

(355.438)

+XWDQJSDMDN SHQJKDVLODQEDGDQ 

 

Less prepaid tax

 

&RUSRUDWHLQFRPHWD[SD\DEOH

Bank akan menyampaikan Surat Pemberitahuan Tahunan untuk tahun 2014 sesuai dengan prinsip self assessment berdasarkan perhitungan tersebut di atas.

The Bank will file its Annual Corporate Income Tax Return for 2014 according to the self assessment principle in accordance with the above calculation.

Perhitungan pajak penghasilan badan untuk tahun yang berakhir pada tanggal 31 Desember 2013 telah sesuai dengan Surat Pemberitahuan Tahunan yang dilaporkan ke kantor pajak.

The calculation of corporate income tax for the year ended December 31, 2013 conforms with the Annual Corporate Income Tax Return reported to the tax office.

F $VHWSDMDNWDQJJXKDQQHWR

F 'HIHUUHGWD[DVVHWVQHW



        

        

        

        

$VHW OLDELOLWDV  SDMDNWDQJJXKDQ Penyisihan beban Corporate Social Responsibility Penyisihan imbalan kerja Penyisihan kerugian kredit Perubahan nilai wajar surat berharga diperdagangkan

       

       

         



        'HVHPEHU 'HFHPEHU  

 'LNUHGLWNDQ  GLEHEDQNDQ NH  ODSRUDQODEDUXJL  NRPSUHKHQVLI  NRQVROLGDVLDQ  &UHGLWHG  FKDUJHG WRWKH  FRQVROLGDWHG  VWDWHPHQWRI   FRPSUHKHQVLYH  LQFRPH





 







17.188 20.571 (50.602)

(3.417) 4.720 (7.162)

13.771 25.291 (57.764)

(13.671)

10.207

(3.464)

124 bank bjb Laporan Tahunan 2014

 'HVHPEHU  'HFHPEHU  

'HIHUUHGWD[DVVHWV OLDELOLWLHV  Provision for Corporate Social Responsibility Provision for employee benefits Provision for loan losses Changes in fair value held-for-trading marketable securities

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 3$-$.3(1*+$6,/$1 ODQMXWDQ  F

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743



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$VHW OLDELOLWDV     SDMDNWDQJJXKDQ ODQMXWDQ      Penyisihan kerugian asset non produktif dan asset produktif selain dari kredit yang diberikan dan pembiayaan syariah Penghargaan kerja

         

 'LNUHGLWNDQ  GLEHEDQNDQ NH  ODSRUDQODEDUXJL  NRPSUHKHQVLI  NRQVROLGDVLDQ  &UHGLWHG  FKDUJHG WRWKH  FRQVROLGDWHG  VWDWHPHQWRI   FRPSUHKHQVLYH  LQFRPH

     

    

1.532 1.011

Entitas anak

 'HVHPEHU  'HFHPEHU 

(672) (78)

 'HIHUUHGWD[DVVHWV OLDELOLWLHV     FRQWLQXHG Provision for losses on non-earning assets and earning assets other than loan and sharia financing Gratuity

860 933

(23.971)

3.598

(20.373)

5.819

1.140

6.959

Subsidiaries

         

        

        

        

$VHW OLDELOLWDV  SDMDNWDQJJXKDQ

       

       

         



        'HVHPEHU 'HFHPEHU  





 

Penyisihan beban Corporate Social Responsibility Penyisihan imbalan kerja Penyisihan kerugian kredit Perubahan nilai wajar surat berharga diperdagangkan Penyisihan kerugian asset non produktif dan asset produktif selain dari kredit yang diberikan dan pembiayaan syariah Penghargaan kerja

 'LNUHGLWNDQ  GLEHEDQNDQ NH  ODSRUDQODEDUXJL  NRPSUHKHQVLI  NRQVROLGDVLDQ  &UHGLWHG  FKDUJHG WRWKH  FRQVROLGDWHG  VWDWHPHQWRI   FRPSUHKHQVLYH  LQFRPH



14.817 17.684 (66.363)





2.371 2.887 15.761

17.188 20.571 (50.602)

(13.531)

(13.671)

1.352 -

180 1.011

1.532 1.011

(32.650)

8.679

(23.971)

3.635

2.184

5.819

(140)

Entitas anak

 'HVHPEHU  'HFHPEHU 



'HIHUUHGWD[DVVHWV OLDELOLWLHV  Provision for Corporate Social Responsibility Provision for employee benefits Provision for loan losses Changes in fair value held-for-trading marketable securities Provision for losses on non-earning assets and earning assets other than loan and sharia financing Gratuity

Subsidiaries



  

Management believes that deferred tax assets can be utilized and can be compensated against future taxable income.

Manajemen berkeyakinan bahwa aset pajak tangguhan dapat dipulihkan dan dikompensasikan dengan laba fiskal pada masa mendatang.  



125 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

744



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 3$-$.3(1*+$6,/$1 ODQMXWDQ   G 6XUDWNHWHWDSDQSDMDN  Pada tahun 2013, Bank menerima Surat Ketetapan Pajak (SKP) untuk Tahun Pajak 2011 atas PPh Badan, PPh Pasal 4 (2) dan Pajak Pertambahan Nilai (PPN).

 ,1&20(7$; FRQWLQXHG  G 7D[DVVHVVPHQWOHWWHUV In 2013, the Bank received Tax Assessment Letter (SKP) for Year 2011 regarding Corporate Income Tax, Income Tax Article 4 (2) and Value Added Tax.

H 3HUXEDKDQ7DULISDMDN

H &KDQJHVLQ7D[UDWH

Pada akhir tahun 2013, Peraturan Pemerintah No.81 Tahun 2007 tanggal 28 Desember 2007 telah diubah dengan Peraturan Pemerintah (PP) No.77 Tahun 2013 tanggal 21 November 2013 tentang “Penurunan Tarif Pajak Penghasilan Bagi Wajib Pajak Badan Dalam Negeri yang Berbentuk Perseroan Terbuka” yang mengatur bahwa wajib pajak dalam negeri yang berbentuk perseroan terbuka dapat memperoleh penurunan tarif pajak penghasilan sebesar 5% (lima persen) lebih rendah dari tarif pajak penghasilan wajib pajak badan dalam negeri bila memenuhi persyaratan sebagai berikut: (a) paling sedikit 40% (empat puluh persen) dari jumlah keseluruhan saham yang disetor dicatat untuk diperdagangkan di bursa efek di Indonesia dan masuk dalam penitipan kolektif di lembaga penyimpanan dan penyelesaian, (b) saham tersebut harus dimiliki oleh paling sedikit 300 pihak, (c) masing-masing pihak tersebut hanya boleh memiliki saham kurang dari 5% (lima persen) dari keseluruhan saham ditempatkan dan disetor penuh, dan (d) ketentuan sebagaimana dimaksud di atas harus dipenuhi dalam waktu paling singkat 183 (seratus delapan puluh tiga) hari kalender dalam jangka waktu 1 (satu) tahun pajak. Ketentuan mengenai tata cara pelaksanaan dan pengawasan pemberian penurunan tarif pajak penghasilan di atas akan diatur dengan Peraturan Menteri Keuangan (PMK).

At end of 2013, Government Regulation No.81 Year 2007 dated December 28, 2007 was amended by Government Regulation (PP) No.77 Year 2013 dated November 21, 2013 regarding “Reduction on Income Tax Rate for Domestic Listed Companies” which regulates that domestic listed companies can obtain reduction on income tax rate at 5% (five percent) lower than income tax rate of domestic companies if the following criteria are met: (a) at least 40% (fourty percent) of the total issued shares is recorded and traded in capital market in Indonesia and includes in collective recording at depository and settlement institution, (b) the shares are owned by at least 300 parties, (c) each party can only own less than 5% (five percent) of the total issued and fully paid shares, and (d) the above requirements must be fulfilled at the minimum of 183 (one hundred eighty three) calendar days in a period of 1 one) fiscal year. Regulation on application and supervision of the reduction on income tax rate will be provided in the Minister of Finance Regulation (Peraturan Menteri Keuangan/PMK).

Sampai dengan tanggal laporan keuangan konsolidasian ini, Peraturan Menteri Keuangan (PMK) sebagaimana disebut di atas masih belum diterbitkan. Saat ini, masa mulai berlakunya penerapan PP No. 77 Tahun 2013 tersebut masih dalam proses pembahasan dan peraturan terkait masa transisi dari PP No. 77 Tahun 2013 tersebut masih belum diterbitkan, sehingga kepastian pemenuhan persyaratan transisi sesuai dengan PP No. 77 Tahun 2013 masih perlu diklarifikasi lebih lanjut.

Up to the date of the consolidated financial statements, PMK as mentioned above is not issued yet. Currently, the effective date of the PP No. 77 Year 2013 is still in discussion process and the related regulation on transition period of the PP No. 77 Year 2013 is also not issued yet, therefore the confirmation on the fulfillment on the transition requirements in accordance with PP No. 77 Year 2013 is still need to be clarified further.

126 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3$-$.3(1*+$6,/$1 ODQMXWDQ 

745



 ,1&20(7$; FRQWLQXHG 

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H &KDQJHVLQ7D[UDWH FRQWLQXHG 

Manajemen akan terus melakukan pemantauan terkait kepastian pemenuhan persyaratan transisi ini. Manajemen berkeyakinan bahwa Bank akan memenuhi semua persyaratan untuk memperoleh fasilitas penurunan tarif pajak penghasilan untuk tahun pajak 2013.

Management will continue to monitor the certainty of the fulfillment of the transition requirements. Management believes that the Bank will fulfill all the requirements to obtain the reduction on income tax rate facility for 2013 fiscal year.

Berdasarkan surat keterangan No. DE/I/20150235 tanggal 6 Januari 2015 dan laporan bulanan kepemilikan saham (Formulir No. X.H.I-2 tanggal 5 Januari 2015 dari Biro Administrasi Efek, Datindo Entrycom atas kepemilikan saham Bank selama tahun 2014) semua kriteria di atas untuk memperoleh fasilitas penurunan tarif pajak tersebut atas laporan keuangan Bank untuk tahun yang berakhir pada tanggal 31 Desember 2014 telah terpenuhi.

Based on Letter No. DE/I/2015-0235 dated January 6, 2015 and the monthly report of shares ownerships, form No. X.H.I-2 dated January, 5 2015 from the Securities Administration Agency (Biro Administrasi Efek), Datindo Entrycom on the ownership of Bank’s shares during 2014), all of the above mentioned required criteria to obtain the tax rate reduction on Bank’s financial statements for the year ended December 31, 2014 were fulfilled by Bank.

 %81*$<$1*0$6,++$586',%$<$5  Akun ini terdiri dari:

 ,17(5(673$<$%/( This account consists of:

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  2.161

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  75.104 25.088 17.130 3.158 1.099

      

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121.579   27 -

  68.755 39.512 9.095 6.194 1.099



 

5XSLDK Deposits from customer Debt securities issued Sharia profit sharing Deposits from other Banks Borrowings



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124.655   9.778 247

  118 3

 

 

27 

 

121

 

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5XSLDK  Jasa produksi Penyisihan imbalan kerja (Catatan 41) Setoran jaminan

      

 

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-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW   LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW 

  211.401 144.485 138.418

      

 (NXLYDOHQ  5XSLDK  (TXLYDOHQW  5XSLDK

 

 

  265.165 115.924 104.226

5XSLDK Employee bonus Provision for employee benefits (Note 41) Guarantee deposit

127 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

746

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


  27+(5/,$%,/,7,(6 FRQWLQXHG 

 /,$%,/,7$6/$,1/$,1 ODQMXWDQ  

        

      

'HVHPEHU'HFHPEHU  









      

      

      

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW  LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW  

5XSLDK ODQMXWDQ   Dana Corporate Social Responsibility (Catatan 33) Provisi dan komisi diterima di muka Penghargaan kerja Biaya yang masih harus dibayar Lain-lain

0DWDXDQJDVLQJ Setoran jaminan Dolar Amerika Serikat Dolar Australia Euro Eropa Provisi dan komisi diterima di muka Dolar Amerika Serikat Dolar Australia Euro Eropa Lain-lain Dolar Amerika Serikat





      

   (NXLYDOHQ 5XSLDK (TXLYDOHQW 5XSLDK

 



'HVHPEHU'HFHPEHU  

-XPODKQRVLRQDO PDWDXDQJDVLQJ 1RWLRQDODPRXQW   LQIRUHLJQ   FXUUHQFLHV   DQJNDSHQXK   IXOODPRXQW 

  

 

 

   

 (NXLYDOHQ  5XSLDK  (TXLYDOHQW  5XSLDK

 

68.859 7.118 4.666 26 181.555

85.942 29.719 5.056 7.946 174.307

756.528

788.285

 

 

 





6.408 44 1

632.606

7.699 -

166.919 367 76

2.067 4 1

184.130

2.241 -

94.282

1.168

112.445



 

1.368

 



 3LKDNSLKDNEHUHODVL 









Rupiah Bukan bank Giro Mudharabah Tabungan Mudharabah Deposito Mudharabah

 



D %\W\SHDQGFXUUHQF\



 

 

 

 



10 3.105 1.932

6 2.160 3.608

5.047

5.774

 

 

148.075 366.963 3.733.056

129.430 273.508 2.367.194

4.248.094

2.770.132

128 bank bjb Laporan Tahunan 2014

7RWDO

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Rupiah Bukan bank Giro Mudharabah Tabungan Mudharabah Deposito Mudharabah

 3LKDNNHWLJD

 

 7(0325$5<6<,5.$+)81'6

D %HUGDVDUNDQMHQLVGDQPDWDXDQJ 

 

Others mainly consist of receivables from additional capital and entrusted account, accounts in process, religious holiday allowance, and entrusted work achivement incentive.

 '$1$6<,5.$+7(0325(5



)RUHLJQFXUUHQF\ Guarantee deposits United States Dollar Australian Dollar European Euro Unearned provisions and commission United States Dollar Australian Dollar European Euro Others United States Dollar

11.308

 

Lainnya terutama terdiri dari tagihan dana setoran modal dan rekening titipan, rekening dalam penyelesaian, titipan THR, dan titipan insentif prestasi kerja.

  

5XSLDK FRQWLQXHG  Corporate Social Responsibility fund (Note 33) Unearned provisions and commision Gratuity Accrued expense Others

 

517.396 4.367 58

9.693 7RWDO 

 

5HODWHGSDUWLHV Rupiah Non - bank Mudharabah current account Mudharabah savings Mudharabah time deposit

7KLUGSDUWLHV Rupiah Non - bank Mudharabah current account Mudharabah savings Mudharabah time deposit



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 '$1$6<,5.$+7(0325(5 ODQMXWDQ

 7(0325$5<6<,5.$+)81'6 FRQWLQXHG

D %HUGDVDUNDQMHQLVGDQPDWDXDQJ ODQMXWDQ    



 



 3LKDNNHWLJD ODQMXWDQ   Rupiah (lanjutan)   Bank Giro Mudharabah Tabungan Mudharabah Deposito Mudharabah

 7RWDO 

D %\W\SHDQGFXUUHQF\ FRQWLQXHG

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 

 

 

 

 

 

 

5.281 6.764 603.019

1.304 5.563 560.370

615.064

567.237

 

E 5LQFLDQ GHSRVLWR EHUMDQJND EHUGDVDUNDQ MDQJNDZDNWX    



 



 5XSLDK Bukan bank 1 bulan 3 bulan 6 bulan 12 bulan Lebih dari 12 bulan

747

7KLUGSDUWLHV FRQWLQXHG  Rupiah (continued) Bank Mudharabah current account Mudharabah savings Mudharabah time deposit

 



7RWDO

E 'HWDLOVRIWLPHGHSRVLWVE\WHUP

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

 

 

 

2.433.404 1.106.548 107.551 83.429 4.056

1.292.125 751.607 91.439 230.347 5.284

596.240 4.950 2 643 1.184

547.950 10.800 2 493 1.125

Bank 1 bulan 3 bulan 6 bulan 12 bulan Lebih dari 12 bulan

5XSLDK Non - bank 1 month 3 months 6 months 12 months More than 12 months Bank 1 month 3 months 6 months 12 months More than 12 months 

 7RWDO 

 

 

F 7LQJNDWEDJLKDVLO'HSRVLWR0XGKDUDEDK

 

7RWDO

F 3URILWVKDULQJIURP0XGKDUDEDK'HSRVLWV

Deposito berjangka Mudharabah merupakan investasi pihak lain yang mendapatkan imbalan bagi hasil dari pendapatan Bank atas penggunaan dana tersebut dengan nisbah yang ditetapkan dan disetujui sebelumnya.

Mudharabah time deposits are entitled to receive a share in the income derived by the Bank from the use of such funds based on a pre-determined ratio.

Tingkat bagi hasil setara per tahun untuk deposito berjangka Mudharabah adalah sebagai berikut:

The annual equivalent revenue sharing ratio for Mudharabah time deposits are as follows:

        1 bulan 3 bulan 6 bulan 12 bulan Lebih dari 12 bulan

 



 

5,62% 5,74% 5,87% 5,99% 5,99%

 6,43% 6,57% 6,71% 6,85% 6,85%

1 month 3 months 6 months 12 months More than 12 months

129 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

748



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 02'$/6$+$0 





 6+$5(&$3,7$/ As of December 31, 2014, The composition of the Bank’s shareholders follows:

Pada tanggal 31 Desember 2014, Susunan pemegang saham adalah sebagai berikut:

'HVHPEHU'HFHPEHU -XPODKOHPEDU VDKDPGLWHPSDWNDQ  GDQGLVHWRUSHQXK 1XPEHURIVKDUHV LVVXHGDQG IXOO\SDLG

3HPHJDQJVDKDP 

6DKDP6HUL$ A. Provinsi Jawa Barat

B.



Pemerintah Kota/Kabupaten se-Provinsi Jawa Barat: Pemerintah Kota - Bandung - Cimahi - Depok - Tasikmalaya - Bekasi - Bogor - Banjar - Sukabumi - Cirebon

Pemerintah Kota/Kabupaten se-Provinsi Jawa Barat: Pemerintah Kabupaten - Bandung - Bogor - Tasikmalaya - Cianjur - Indramayu - Sukabumi - Bekasi - Karawang - Cirebon - Purwakarta - Sumedang - Subang - Majalengka - Ciamis - Kuningan - Garut

Total - Pemerintah Kota dan Kabupaten se-Provinsi Jawa Barat



 3HUVHQWDVH NHSHPLOLNDQ 3HUFHQWDJHRI RZQHUVKLS

 



3.709.994.733

38,26%



6KDUHKROGHUV

927.499



&ODVV$6KDUHV A. Province of West Java B. Government of Municipalities/ Regencies in the Province of West Java: Government of Municipalities Bandung Cimahi Depok Tasikmalaya Bekasi Bogor Banjar Sukabumi Cirebon -

116.000.006 104.000.000 89.581.968 60.000.000 59.697.024 46.737.809 41.000.000 36.820.520 17.039.629

1,20% 1,07% 0,92% 0,62% 0,62% 0,48% 0,42% 0,38% 0,18%

29.000 26.000 22.396 15.000 14.924 11.684 10.250 9.205 4.260

570.876.956

5,89%

142.719

680.906.967 193.458.066 130.953.800 102.416.760 84.047.907 83.000.000 73.550.504 54.318.644 53.609.080 51.219.171 46.052.684 42.926.558 35.462.669 32.721.097 27.508.120 26.366.698

7,02% 2,00% 1,35% 1,06% 0,87% 0,86% 0,76% 0,56% 0,55% 0,53% 0,47% 0,44% 0,37% 0,34% 0,28% 0,27%

170.227 48.364 32.738 25.604 21.012 20.750 18.388 13.580 13.402 12.805 11.513 10.732 8.866 8.180 6.877 6.592

1.718.518.725

17,72%

429.630

2.289.395.681

23,61%

130 bank bjb Laporan Tahunan 2014

7RWDOGDODP 5XSLDK $PRXQWLQ 5XSLDK

572.349



Regencies in the Province of West Java: Government of Regencies Bandung Bogor Tasikmalaya Cianjur Indramayu Sukabumi Bekasi Karawang Cirebon Purwakarta Sumedang Subang Majalengka Ciamis Kuningan Garut -

Total - Government of Municipalities and Regencies in the Province of West Java

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 02'$/6$+$0 ODQMXWDQ 

749

 6+$5(&$3,7$/ FRQWLQXHG As of December 31, 2014, The composition of the Bank’s shareholders follows (continued):

Pada tanggal 31 Desember 2014, Susunan pemegang saham adalah sebagai berikut (lanjutan):

'HVHPEHU'HFHPEHU -XPODKOHPEDU VDKDPGLWHPSDWNDQ  GDQGLVHWRUSHQXK 1XPEHURIVKDUHV LVVXHGDQG IXOO\SDLG

3HPHJDQJVDKDP 

6DKDP6HUL$ ODQMXWDQ 





C. Provinsi Banten

Pemerintah Kabupaten - Tangerang - Serang - Pandeglang - Lebak

Total - Pemerintah Kota dan Kabupaten se-Provinsi Banten Total Saham Seri A



6DKDP6HUL% H. Muhadi (Komisaris)  Suartini (Direktur Komersial) Masyarakat (kepemilikan di bawah 5% untuk setiap pihak)     Total Saham Seri B



7RWDO







 

7RWDOGDODP 5XSLDK $PRXQWLQ 5XSLDK 

520.589.856

D. Pemerintah Kota/Kabupaten se-Provinsi Banten: Pemerintah Kota - Tangerang - Cilegon



 3HUVHQWDVH NHSHPLOLNDQ 3HUFHQWDJHRI RZQHUVKLS

6KDUHKROGHUV



5,37%



C. Province of Banten D. Government of Municipalities/ Regencies in the Province of Banten: Government of Municipalities Tangerang Cilegon -

1,23% 0,60%

29.876 14.500

177.503.394

1,83%

44.376

289.306.189 144.311.251 105.218.408 35.899.154

2,98% 1,49% 1,09% 0,37%

72.326 36.078 26.305 8.975

574.735.002

5,93%

143.684

752.238.396

7,76%

188.060

7.272.218.666

75,00%

1.818.055

 



&ODVV%6KDUHV FRQWLQXHG 

130.147

119.503.394 58.000.000







Government of Regencies Tangerang Serang Pandeglang Lebak -

Total - Government of Municipalities and Regencies in the Province of Banten Total Class A Shares 

2.341.500

0,024%

585

5.000

0.000%

1

2.421.726.000

24,98%

605.432

2.424.072.500

25,00%

606.018





&ODVV%6KDUHV H. Muhadi (Commissioner) Suartini (Commercial Director) Public (ownership less than 5% each)

 

 







Total Class B Shares 

7RWDO

131 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

750



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 02'$/6$+$0 ODQMXWDQ

 6+$5(&$3,7$/ FRQWLQXHG As of December 3, 2013, The composition of the Bank’s shareholders follows:

Pada tanggal 31 Desember 2013, Susunan pemegang saham adalah sebagai berikut:

'HVHPEHU'HFHPEHU -XPODKOHPEDU VDKDPGLWHPSDWNDQ  GDQGLVHWRUSHQXK 1XPEHURIVKDUHV LVVXHGDQG IXOO\SDLG

3HPHJDQJVDKDP 

6DKDP6HUL$ A. Provinsi Jawa Barat

B.



Pemerintah Kota/Kabupaten se-Provinsi Jawa Barat: Pemerintah Kota - Bandung - Cimahi - Depok - Tasikmalaya - Bekasi - Bogor - Banjar - Sukabumi - Cirebon

Pemerintah Kota/Kabupaten se-Provinsi Jawa Barat: Pemerintah Kabupaten - Bandung - Bogor - Tasikmalaya - Cianjur - Indramayu - Sukabumi - Bekasi - Karawang - Cirebon - Purwakarta - Sumedang - Subang - Majalengka - Ciamis - Kuningan - Garut

Total - Pemerintah Kota dan Kabupaten se-Provinsi Jawa Barat



 3HUVHQWDVH NHSHPLOLNDQ 3HUFHQWDJHRI RZQHUVKLS

 



3.709.994.733

38,26%



6KDUHKROGHUV

927.499



&ODVV$6KDUHV A. Province of West Java B. Government of Municipalities/ Regencies in the Province of West Java: Government of Municipalities Bandung Cimahi Depok Tasikmalaya Bekasi Bogor Banjar Sukabumi Cirebon -

116.000.006 104.000.000 89.581.968 60.000.000 59.697.024 46.737.809 41.000.000 36.820.520 17.039.629

1,20% 1,07% 0,92% 0,62% 0,62% 0,48% 0,42% 0,38% 0,18%

29.000 26.000 22.396 15.000 14.924 11.684 10.250 9.205 4.260

570.876.956

5,89%

142.719

680.906.967 193.458.066 130.953.800 102.416.760 84.047.907 83.000.000 73.550.504 54.318.644 53.609.080 51.219.171 46.052.684 42.926.558 35.462.669 32.721.097 27.508.120 26.366.698

7,02% 2,00% 1,35% 1,06% 0,87% 0,86% 0,76% 0,56% 0,55% 0,53% 0,47% 0,44% 0,37% 0,34% 0,28% 0,27%

170.227 48.364 32.738 25.604 21.012 20.750 18.388 13.580 13.402 12.805 11.513 10.732 8.866 8.180 6.877 6.592

1.718.518.725

17,72%

429.630

2.289.395.681

23,61%

132 bank bjb Laporan Tahunan 2014

7RWDOGDODP 5XSLDK $PRXQWLQ 5XSLDK

572.349



Regencies in the Province of West Java: Government of Regencies Bandung Bogor Tasikmalaya Cianjur Indramayu Sukabumi Bekasi Karawang CirebonPurwakarta Sumedang Subang Majalengka Ciamis Kuningan Garut -

Total - Government of Municipalities and Regencies in the Province of West Java

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
751





 02'$/6$+$0 ODQMXWDQ

 6+$5(&$3,7$/ FRQWLQXHG As of December 31, 2013, The composition of the Bank’s shareholders is as follows (continued):

Pada tanggal 31 Desember 2013, Susunan pemegang saham adalah sebagai berikut (lanjutan):

'HVHPEHU'HFHPEHU -XPODKOHPEDU VDKDPGLWHPSDWNDQ  GDQGLVHWRUSHQXK 1XPEHURIVKDUHV LVVXHGDQG IXOO\SDLG

3HPHJDQJVDKDP 

6DKDP6HUL$ ODQMXWDQ  C. Provinsi Banten





Pemerintah Kabupaten - Tangerang - Serang - Pandeglang - Lebak

Total - Pemerintah Kota dan Kabupaten se-Provinsi Banten Total Saham Seri A



6DKDP6HUL% H. Muhadi (Komisaris)  Bien Subiantoro (Direktur Utama) Arie Yulianto (Direktur) Djamal Muslim (Direktur) Acu Kusnandar (Direktur) Entis Kushendar (Direktur) Masyarakat (kepemilikan di bawah 5% untuk setiap pihak)     Total Saham Seri B 7RWDO





 



7RWDOGDODP 5XSLDK $PRXQWLQ 5XSLDK 

520.589.856

D. Pemerintah Kota/Kabupaten se-Provinsi Banten: Pemerintah Kota - Tangerang - Cilegon



 3HUVHQWDVH NHSHPLOLNDQ 3HUFHQWDJHRI RZQHUVKLS

6KDUHKROGHUV



5,37%

130.147



&ODVV$6KDUHV FRQWLQXHG  C. Province of Banten

D. Government of Municipalities/ Regencies in the Province of Banten: Government of Municipalities Tangerang Cilegon -

119.503.394 58.000.000

1,23% 0,60%

29.876 14.500

177.503.394

1,83%

44.376

289.306.189 144.311.251 105.218.408 35.899.154

2,98% 1,49% 1,09% 0,37%

72.326 36.078 26.305 8.975

574.735.002

5,93%

143.684

752.238.396

7,76%

188.060

7.272.218.666

75,00%

1.818.055



 







Government of Regencies Tangerang Serang Pandeglang Lebak -

Total - Government of Municipalities and Regencies in the Province of Banten Total Class A Shares 

2.341.500 757.500

0,024% 0,008%

585 189

333.000

0,003%

83

325.000

0,003%

81

245.000

0,003%

61

30.000

0,0003%

7

2.420.040.500

24,96%

605.012

2.424.072.500

25,00%

606.018







&ODVV%6KDUHV H. Muhadi (Commissioner) Bien Subiantoro (President Director) Arie Yulianto (Director) Djamal Muslim (Director) Acu Kusnandar (Director) Entis Kushendar (Director) Public (ownership less than 5% each)

 

 







Total Class B Shares 

7RWDO

Class A shares are specially owned by the central government, provinces, cities and districts while the Class B shares are owned by directors, commissioners, employees of the Bank, public and government. Class A shares are shares that give special rights to the holder in the attendance quorum and the approval of quorum at the Shareholders’ General Meeting.

Saham Seri A khusus dimiliki oleh pemerintah pusat, pemerintah provinsi, kota dan kabupaten sedangkan saham Seri B dimiliki oleh direksi, dewan komisaris, karyawan perseroan, masyarakat dan pemerintah. Saham Seri A ialah saham yang memberikan hak khusus kepada pemegangnya dalam kuorum kehadiran dan kuorum persetujuan Rapat Umum Pemegang Saham.

133 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

752



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 7$0%$+$102'$/',6(725

 $'',7,21$/3$,',1&$3,7$/ As of December 31, 2014 and 2013, the Bank recorded the additional paid in capital as a result of shares issuance as follows:

Pada tanggal 31 Desember 2014 dan 2013, Bank mencatat tambahan modal disetor sebagai akibat dari penerbitan saham sebagai berikut: Total agio saham Biaya emisi penerbitan saham 1HWR



848.425 (25.002)







 02'$/',6(725/$,11<$

 ',675,%87,212),1&20(

Penggunaan laba tahun 2013 ditetapkan berdasarkan keputusan Rapat Umum Pemegang Saham (RUPS) tanggal 26 Maret 2014 sebagaimana tercantum dalam Akta Notaris No. 70 oleh R. Tendy Suwarman, SH.

Income distributions for the year 2013 was made based on the General Shareholders’ Meeting dated March 26, 2014 as stated in Notarial Deed No. 70 of R. Tendy Suwarman, SH.

Penggunaan laba tahun 2012 ditetapkan berdasarkan keputusan Rapat Umum Pemegang Saham (RUPS) tanggal 25 Maret 2013 sebagaimana tercantum dalam Akta Notaris No. 119 oleh R. Tendy Suwarman, SH.

Income distributions for the year 2012 was made based on the General Shareholders’ Meeting dated March 25, 2013, as stated in Notarial Deed No. 119 of R. Tendy Suwarman, SH.

Berdasarkan keputusan RUPS tahun 2014 dan 2013 tersebut di atas, penggunaan laba tahun 2014 dan 2013 ditetapkan sebagai berikut:

Based on the above General Shareholders’ Meeting year 2014 and 2013, the distributions of income in 2014 and 2013, were are as follows:

      

 



Pembagian dividen Pembentukan cadangan umum Pembagian jasa produksi Corporate social responsibility

 

757.280 619.381 258.124 85.942

        

 

3HULRGH 

   Distribusi pada tahun 2014 untuk laba tahun 2013    Distribusi pada tahun 2013 untuk laba tahun 2012







-XPODK $PRXQW

Dividend distributions General reserve Employees bonus Corporate social responsibility

The dividends declared for each period are as follows:  3HUVDKDP QLODLSHQXK    3HUVKDUH IXOODPRXQW 



757.280 663.845





78 68

 

3HULRG





Distribution in 2014 from 2013 net income Distribution in 2013 from 2012 net income

For the years 2014 and 2013, employee bonus and corporate social responsibility expenses are recorded as expense in the current year consolidated statement of comprehensive income.

Untuk tahun 2014 dan 2013, jasa produksi dan beban corporate social responsibility dibukukan sebagai beban pada laporan laba rugi komprehensif konsolidasian tahun berjalan.

134 bank bjb Laporan Tahunan 2014

 663.845 521.592 222.269 74.090

Jumlah dividen yang diumumkan untuk masingmasing periode adalah sebagai berikut:



1HW

Bank did not received additional capital contributions from the existing shareholders in 2014 and 2013.

 3(1**81$$1/$%$





 27+(53$,'83&$3,7$/

Bank tidak menerima penambahan setoran modal dari pemegang saham pada tahun 2014 dan 2013.



Total premium on share capital Shares issuance costs





The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 3(1'$3$7$1%81*$'$16<$5,$+

 ,17(5(67$1'6+$5,$,1&20( This account consists of:

Akun ini terdiri dari:  

 

 

 

 

 

 

       5XSLDK  .UHGLW\DQJGLEHULNDQGDQSLXWDQJ Kredit yang diberikan Penempatan pada Bank Indonesia dan bank lain Giro pada Bank Indonesia Giro pada bank lain Wesel ekspor dan tagihan lainnya Syariah Margin Bagi Hasil Pendapatan Sewa Ijarah Fee ujroh pembatalan pesanan Lainnya      1LODLZDMDUPHODOXLODEDUXJL Surat berharga 'LPLOLNLKLQJJDMDWXKWHPSR Surat berharga 0DWDXDQJDVLQJ .UHGLW\DQJGLEHULNDQGDQSLXWDQJ Kredit yang diberikan Dolar Amerika Serikat Wesel ekspor dan tagihan lainnya Penempatan pada Bank Indonesia dan bank lain Dolar Amerika Serikat 'LPLOLNLKLQJJDMDWXKWHPSR Surat berharga Dolar Amerika Serikat         3URYLVLGDQ.RPLVL  3HPELD\DDQ6\DULDK 







7RWDO  

753

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 



 

   

     

    513.641 28.865 6.936 1.273

325.666 25.248 6.271 840

363.194 189.372 19.543 236 -

261.317 188.703 44.051 477 2

    3.333   404.033

    15.297   467.984

)DLUYDOXH WKURXJKSURILWRUORVV Marketable securities +HOGWRPDWXULW\ Marketable securities

   

   

)RUHLJQFXUUHQFLHV /RDQVDQGUHFHLYDEOHV Loans United States Dollar Bills and other receivables Placements with Bank Indonesia and other banks United States Dollar +HOGWRPDWXULW\ Marketable securities United States Dollar

21.238 1.751

474

244  

333    

8.562.830     228.990

 

 



5XSLDK /RDQVDQGUHFLHYDEOHV Loans Placements with Bank Indonesia and other banks Current accounts with Bank Indonesia Current accounts with other banks Bills and other receivables Sharia Margin Profit Sharing Ijarah lease income Ujroh order cancellation fee Others 

6.736.328

15.994 1.315

   

   

7.014.288

   

 





  877 8.096.294   36.694

   

  6KDULDILQDQFLQJIHHV DQG&RPPLVVLRQV



 

7RWDO

135 bank bjb Annual Report 2014







The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

754



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 %(%$1%81*$'$1%$*,+$6,/6<$5,$+

 ,17(5(67 (;3(16( $1' 6+$5,$ 352),7 6+$5,1* This account consists of:

Akun ini terdiri dari:  

 

 

 

 

 

       5XSLDK Simpanan nasabah Bagi hasil syariah Efek hutang yang diterbitkan Simpanan dari bank lain Premi penjaminan Premi asuransi kredit Pinjaman yang diterima Lain-lain

0DWDXDQJDVLQJ Simpanan nasabah Premi asuransi kredit Simpanan dari bank lain

7RWDO

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
   



  2.292.022 239.375 283.230 320.692 97.477 102.971 10.183 240

4.322.193

3.346.190

  7.735 285 9

  3.950 640 65

8.029

4.655

 

 3(1'$3$7$123(5$6,21$//$,11<$

 

 

 

 

 

      

 

 

7RWDO

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 

Keuntungan yang belum direalisasi dari perubahan nilai wajar surat berharga - neto Penerimaan kembali kredit yang telah dihapus buku Keuntungan dari penjualan surat berharga untuk diperdagangkan - neto Keuntungan transaksi valuta asing - neto Lain-lain  



 



267.122 9.227

248.621 12.208

6.288 7

7.883 7

282.644

268.719

67.934

-

132.418

136.140

2.761

1.926

23.683 56.464

32.636 17.837

 

136 bank bjb Laporan Tahunan 2014

)RUHLJQFXUUHQFLHV Deposits from customers Loan insurance premium Deposits from other banks

This account consists of:

Provisi dan komisi selain dari kredit yang diberikan Rupiah Provisi dan komisi Fee komitmen Mata uang asing Provisi dan komisi Fee komitmen

7RWDO

5XSLDK Deposits from customers Sharia profit sharing Debt securities issued Deposits from other banks Guarantee premium Loan insurance premium Borrowings Others

 27+(523(5$7,1*,1&20(

Akun ini terdiri dari:  



  3.223.774 346.799 266.351 239.295 117.954 112.063 15.018 939

 

 

 

 

Non-loan related fees and commissions Rupiah Fees and commissions Commitment fees Foreign currencies Fees and commissions Commitment fees Unrealized gain on changes in fair value of marketable securities - net Recoveries from loans written-off Gain on sale of held-for-trading marketable securities - net Gain from foreign exchange transactions - net Others 7RWDO

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
755





 %(%$123(5$6,21$//$,11<$

 27+(523(5$7,1*(;3(16(6



This account consists of:

Akun ini terdiri dari:   

 

 

 

 

 

      

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 

Beban umum dan administrasi Sewa Gaji tenaga kerja kontrak Promosi Pemeliharaan dan perbaikan Penyusutan dan amortisasi Komunikasi Biaya listrik, air, dan gas Alat tulis kantor Fee konsultan Perjalanan dinas Premi asuransi Lain-lain

Beban tenaga kerja dan tunjangan Gaji dan upah Tunjangan karyawan Jasa produksi Pendidikan dan pelatihan

Penyisihan (pembalikan) kerugian penurunan nilai atas aset keuangan dan non keuangan - neto Kredit yang diberikan Pembiayaan syariah Penyertaan saham Giro pada bank lain Penempatan pada bank lain

Kerugian yang belum direalisasi atas perubahan nilai wajar surat berharga Penyisihan kerugian penurunan nilai atas komitmen dan kontinjensi Beban lainnya Corporate Social Responsibility Representasi klien Iuran Lain-lain



 

252.962 194.289 145.641 112.576 101.323 89.708 54.406 50.306 40.612 37.707 22.326 218.671

216.296 171.233 214.601 106.671 91.585 73.334 45.318 44.455 27.259 38.939 20.762 206.538

1.320.527

1.256.991

579.769 458.478 211.401 70.481

502.678 432.177 265.165 65.923

1.320.129

1.265.943

612.345 50.896 (3.333) (29) 2.802

544.051 70.448 3.305 22 (1.759)

662.681

616.067

-

56.585

631

65

68.973 30.399 4.131 204.196

86.041 36.434 3.925 165.419

307.699  7RWDO

 



 

General and administrative expenses Rental Contracted employee salaries Promotion Maintenance and repairs Depreciation and amortization Communication Electricity, water, and gas Office supplies Consultant fees Business trip Insurance premium Others

Salaries and employee benefits Salaries and wages Employee benefits Employees bonus Education and training

Provision for (reversal of) for impairment losses on financial and non-financial assets - net Loans Sharia financing Investments in shares Current accounts with other banks Placements with other banks

Unrealized loss on changes in fair value marketable securities Provision for impairment losses on commitments and contingencies Others expenses Corporate Social Responsibility Client representation Contributions Others

291.819  

7RWDO

Salaries and other compensation benefits for the Board of Directors for the years ended December 31, 2014 and 2013 are amounted to Rp63,570 and Rp46,916, respectively.

Gaji dan kompensasi lainnya yang dibayarkan kepada Direksi untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp63.570 dan Rp46.916.

137 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

756



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 %(%$123(5$6,21$//$,11<$ ODQMXWDQ

 27+(523(5$7,1*(;3(16(6 FRQWLQXHG Salaries and other compensation benefits for the Board of Commissioners for the years ended December 31, 2014 and 2013 is amounted to Rp20,783 and Rp18,652, respectively.

Gaji dan kompensasi lainnya yang dibayarkan kepada Dewan Komisaris untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp20.783 dan Rp18.652.  3(1'$3$7$1%(%$112123(5$6,21$/

 12123(5$7,1*,1&20((;3(16(6 This account consists of:

Akun ini terdiri dari:  

 

 

 

 

 

      

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
 



 



Pendapatan non-operasional Penggantian dari asuransi kredit Pendapatan dividen Lain-lain 7RWDO

 

Beban non-operasional Transfer payment Denda Lain-lain 7RWDO

 

537 7.928 29.519

6.116 21.381

 

 

3.874 203 11.252

5.771 971 19.812

 

 

Non-operating income Reimbursement from credit insurance institution Dividend income Others 7RWDO Non-operating expenses Transfer payment Penalty Others 7RWDO



 .20,70(1'$1.217,1-(16,    





Tagihan komitmen Posisi pembelian spot dan derivatif yang masih berjalan Lainnya

Liabilitas komitmen Fasilitas kredit kepada debitur yang belum digunakan Posisi penjualan spot dan derivatif yang masih berjalan Irrevocable letters of credit yang masih berjalan Lainnya

Tagihan kontinjensi Tagihan bunga dan marjin piutang dalam penyelesaian

Liabilitas kontinjensi Garansi yang diterbitkan

 &200,70(176$1'&217,1*(1&,(6  

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

2.914.446

182.550 1.847.952

2.914.446

2.030.502 Commitments liabilities

2.271.898

3.367.589

37.155

219.375

75.356 2.273.858

155.811 1.579.010

4.658.267

5.321.785

Unused loan facilities Outstanding spot and derivatives sale Outstanding irrevocable letters of credit Others

477.008

215.842

Contingent receivables Interest receivable and margin on receivable non-performing assets

1.298.572

1.313.538

Contingent liabilities Guarantees issued

138 bank bjb Laporan Tahunan 2014

Commitments receivables Outstanding spot and derivatives purchase Others

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


$6(7 .(8$1*$1 .(8$1*$1

'$1

/,$%,/,7$6

),1$1&,$/ /,$%,/,7,(6

$66(76

$1'

),1$1&,$/

Nilai wajar yang diungkapkan di bawah ini adalah berdasarkan informasi relevan yang tersedia pada tanggal laporan posisi keuangan konsolidasian dan tidak diperbaharui untuk mencerminkan perubahan dalam kondisi pasar yang telah terjadi setelah tanggal laporan posisi keuangan konsolidasian.

The fair values disclosed below are based on available relevant information at the consolidated statement of financial position date and are not updated to reflect changes in market conditions which have occurred after the date of the consolidated statement of financial position.

Tabel di bawah ini menyajikan nilai tercatat dan nilai wajar aset dan liabilitas keuangan Bank pada tanggal 31 Desember 2014 dan 2013.

The tables below present the carrying amounts and fair values of the Bank’s financial assets and liabilities as of December 31, 2014 and 2013.

  

  

  

  

  

       

       

       

       

                     .UHGLW\DQJ   'LPLOLNL    GLEHULNDQ   KLQJJD    GDQSLXWDQJ   MDWXK    /RDQVDQG   WHPSR    UHFHLYDEOHV  +HOGWRPDWXULW\ 

$VHW.HXDQJDQ Kas



 

  -

   7HUVHGLD XQWXN GLMXDO $YDLODEOH IRUVDOH

     .HZDMLEDQ        NHXDQJDQ     1LODLZDMDU   SDGDELD\D    PHODOXLODSRUDQ  SHUROHKDQ     ODEDUXJL   GLDPRUWLVDVL     )DLUYDOXH   )LQDQFLDO     WKURXJK   OLDELOLWLHVDW     SURILWRUORVV  DPRUWL]HGFRVW   

 

-

  7RWDO QLODL WHUFDWDW 7RWDO FDUU\LQJ DPRXQW

       

 

-

 

-

2.767.678 5.177.942

5.177.942

-

-

-

-

128.542

-

-

-

-

128.542

4.761.109 -

6.412.916

-

712.455

-

4.761.109 7.125.371

568.461

7RWDO QLODLZDMDU 7RWDOIDLU  YDOXH 

)LQDQFLDO$VVHWV Cash Current accounts with 5.177.942 Bank Indonesia Current accounts with 128.542 other banks Placements with Bank 4.761.109 Indonesia and other banks 6.402.096 Marketable securities Marketable securities purchased under agreements 568.461 to resell Bills and 19.555 other receivables 2.767.678

-

568.461

-

-

-

19.555

-

-

-

-

19.555

52.329.130 18.435 -

-

27.748

-

-

52.329.130 18.435 27.748

52.329.130 18.435 27.748

Loans and sharia financing Acceptance receivables Investments in shares

452.642 9.540

-

-

-

-

452.642 9.540

452.642 9.540

Interest receivables Other assets*)



 

 

 

 

 

 



7RWDOILQDQFLDODVVHWV

/LDELOLWDV.HXDQJDQ  Liabilitas segera Simpanan nasabah dan simpanan nasabah syariah Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali Liabilitas akseptasi Efek hutang yang diterbitkan Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain

 

 

 

 

 



-

  -

-

-

1.812.382

1.812.382

1.812.382

-

-

-

-

53.487.890 3.308.630

53.487.890 3.308.630

53.487.890 3.308.630

-

-

-

-

2.062.916 18.435 1.721.901 456.490

2.062.916 18.435 1.721.901 456.490

2.062.916 18.435 1.721.901 456.490

)LQDQFLDO/LDELOLWLHV Obligations due immediately Deposits from customers and deposits from customer sharia Deposits from other banks Marketable securities sold under repurchase agreements Acceptance liabilities Debts securities issued Borrowings

-

-

-

-

121.606 766.221

121.606 766.221

121.606 766.221

 

 

 

 

 

 

7RWDOOLDELOLWDVNHXDQJDQ

*)



___________________

2.767.678

Giro pada Bank Indonesia

7RWDODVHWNHXDQJDQ

   'HVHPEHU'HFHPEHU       1LODLZDMDU      1LODL7HUFDWDW&DUU\LQJDPRXQW      )DLUYDOXH



Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Efek-efek yang dibeli dengan janji dijual kembali Wesel Ekspor dan tagihan lainnya Kredit yang diberikan dan pembiayaan syariah Tagihan akseptasi Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*)

757



Terdiri dari setoran jaminan

*)

 

Interest payables Other liabilities 7RWDOILQDQFLDOOLDELOLWLHV

Consist of security deposits.

139 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

758

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


$6(7 .(8$1*$1 .(8$1*$1 ODQMXWDQ 

'$1

/,$%,/,7$6

   

   

   

   

   

       

       

       

       

                     .UHGLW\DQJ   'LPLOLNL    GLEHULNDQ   KLQJJD    GDQSLXWDQJ   MDWXK    /RDQVDQG   WHPSR    UHFHLYDEOHV  +HOGWRPDWXULW\ 

$VHW.HXDQJDQ Kas

7RWDODVHWNHXDQJDQ

),1$1&,$/ 

 

  -

   7HUVHGLD XQWXN GLMXDO $YDLODEOH IRUVDOH

     .HZDMLEDQ        NHXDQJDQ     1LODLZDMDU   SDGDELD\D    PHODOXLODSRUDQ  SHUROHKDQ     ODEDUXJL   GLDPRUWLVDVL     )DLUYDOXH   )LQDQFLDO     WKURXJK   OLDELOLWLHVDW     SURILWRUORVV  DPRUWL]HGFRVW   

 

  7RWDO QLODL WHUFDWDW 7RWDO FDUU\LQJ DPRXQW

       

4.454.108

-

-

-

-

4.454.108

4.454.108

176.888

-

-

-

-

176.888

176.888

2.628.985 -

9.593.557

-

698.253

-

2.628.985 10.291.810

2.628.985 10.251.424

44.721

-

-

-

-

44.721

44.721

)LQDQFLDO$VVHWV Cash Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Bills and other receivables

47.820.726 33.235 -

-

24.415

-

-

47.820.726 33.235 24.415

47.820.726 33.235 24.415

Loans and sharia financing Acceptance receivables Investments in shares

418.360 9.659

-

-

-

-

418.360 9.659

418.360 9.659

Interest receivables Other assets*)

-

 

7RWDO QLODLZDMDU 7RWDOIDLU  YDOXH

-

 



-

2.595.260

2.595.260



 

 

 

 

 

 



7RWDOILQDQFLDODVVHWV

/LDELOLWDV.HXDQJDQ  Liabilitas segera Simpanan nasabah dan simpanan nasabah syariah Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali Liabilitas derivatif Liabilitas akseptasi Efek hutang yang diterbitkan Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain

 

 

 

 

 



-

  -

-

-

1.945.539

1.945.539

1.945.539

-

-

-

-

47.220.701 4.946.725

47.220.701 4.946.725

47.220.701 4.946.725

-

-

-

-

2.978.073 90 33.235 2.396.611 324.337

2.978.073 90 33.235 2.396.611 324.337

2.978.073 90 33.235 2.396.611 324.337

)LQDQFLDO/LDELOLWLHV Obligations due immediately Deposits from customers and deposits from customer sharia Deposits from other banks Marketable securities sold under repurchase agreements Derivative liabilities Acceptance liabilities Debts securities issued Borrowings

-

-

-

-

124.776 799.593

124.776 799.593

124.776 799.593

 

 

 

 

 

 

7RWDOOLDELOLWDVNHXDQJDQ

*)



Terdiri dari setoran jaminan

Tabel di bawah ini menyajikan instrumen keuangan yang diakui pada nilai wajar berdasarkan hirarki yang digunakan Bank untuk menentukan dan mengungkapkan nilai wajar dari instrumen keuangan: (i) Tingkat 1: dikutip dari harga pasar aktif untuk aset atau liabilitas keuangan yang identik;

*)



 

Interest payables Other liabilities 7RWDOILQDQFLDOOLDELOLWLHV

Consist of security deposits.

The tables below shows the financial instruments recognized at fair value based on the hierarchy used by the Bank in determining and disclosing the fair value of financial instruments: (i) Level 1: Quoted (unadjusted) prices in active markets for identical financial assets or liabilities; (ii) Level 2: Those involving inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly (as prices) or indirectly (derived from prices);

(ii) Tingkat 2: yang melibatkan input selain dari harga pasar aktif yang dikutip yang termasuk dalam tingkat 1 yang dapat diobservasi untuk aset dan liabilitas, baik secara langsung (seperti harga) atau tidak langsung (turunan dari harga);

(iii) Level 3: Those with inputs for the asset or liability that are not based on observable market data (unobservable inputs).

(iii) Tingkat 3: input untuk aset dan liabilitas yang tidak didasarkan pada data yang dapat diobservasi di pasar (input yang tidak dapat diobservasi).

140 bank bjb Laporan Tahunan 2014



___________________

2.595.260

Giro pada Bank Indonesia

$1'

   'HVHPEHU'HFHPEHU       1LODLZDMDU      1LODL7HUFDWDW&DUU\LQJDPRXQW      )DLUYDOXH



Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Wesel Ekspor dan tagihan lainnya Kredit yang diberikan dan pembiayaan syariah Tagihan akseptasi Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*)

),1$1&,$/ $66(76 /,$%,/,7,(6 FRQWLQXHG 



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


'$1

/,$%,/,7$6

),1$1&,$/ $66(76 /,$%,/,7,(6 FRQWLQXHG  

Tabel di bawah ini menyajikan instrumen keuangan yang diakui pada nilai wajar berdasarkan hirarki yang digunakan Bank untuk menentukan dan mengungkapkan nilai wajar dari instrumen keuangan (lanjutan):  

 

 

 

 

 

 

 

 

 

$VHW.HXDQJDQ Nilai wajar melalui laporan laba rugi Surat berharga

 

 

 

 

 

 







Total nilai wajar melalui laporan laba rugi

 

 





$6(7 .(8$1*$1 .(8$1*$1 ODQMXWDQ 

 

 

 

 

 

 

 

 

$VHW.HXDQJDQ Nilai wajar melalui laporan laba rugi Surat berharga

   

 







 

   

7LQJNDW /HYHO

   

7LQJNDW /HYHO

   

 

 7RWDO

 

 

-

712.455

712.455

-

-

712.455

   

 

)LQDQFLDO$VVHWV Fair value through profit or loss Marketable securities

-

7LQJNDW /HYHO

),1$1&,$/

'HVHPEHU 'HFHPEHU

712.455

 

$1'

The table below shows the financial instruments recognized at fair value based on the hierarchy used by the Bank in determining and disclosing the fair value of financial instruments (continued):

 

 

 

Total nilai wajar melalui laporan laba rugi

(i)

 

7LQJNDW /HYHO

 

759



Total fair value through profit or loss

'HVHPEHU 'HFHPEHU 7LQJNDW /HYHO

   

 

7LQJNDW /HYHO

   

 

 

 7RWDO

 

698.253

-

-

698.253

698.253

-

-

698.253

Nilai wajar aset dan kewajiban keuangan tertentu, kecuali kredit yang diberikan, suratsurat berharga, dan efek hutang yang diterbitkan, dan pinjaman yang diterima mendekati nilai tercatatnya karena mempunyai jangka waktu jatuh tempo yang singkat.  Estimasi nilai wajar terhadap aset keuangan tertentu ditetapkan berdasarkan diskonto arus kas dengan menggunakan suku bunga pasar uang yang berlaku untuk utang dengan risiko kredit dan sisa jatuh tempo yang serupa.

(i)

Estimasi nilai wajar terhadap kewajiban keuangan tertentu yang tidak memiliki kuotasi di pasar aktif ditetapkan berdasarkan diskonto arus kas dengan menggunakan suku bunga utang baru dengan sisa jatuh tempo yang serupa.



)LQDQFLDO$VVHWV Fair value through profit or loss Marketable securities



Total fair value through profit or loss

The fair values of certain financial assets and liabilities, except for loans, marketable securities, marketable securities issued, and borrowings, approximate their carrying values due to their short-term maturities.

The estimated fair values of certain financial assets are determined based on discounted cash flows using money market interest rates for instruments with similar credit risk and remaining maturities. The estimated fair values of certain financial obligations which are not quoted in an active market are determined based on discounted cash flows using interest rates of instruments with similar remaining maturities.

141 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

760

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
$6(7 .(8$1*$1 .(8$1*$1 ODQMXWDQ 

'$1

/,$%,/,7$6



),1$1&,$/ $66(76 /,$%,/,7,(6 FRQWLQXHG 

$1'

),1$1&,$/

(ii) Loans

(ii) Kredit yang diberikan Portofolio kredit Bank secara umum terdiri dari kredit yang diberikan dengan suku bunga mengambang dan kredit yang diberikan dengan suku bunga tetap. Kredit yang diberikan dinyatakan biaya perolehan yang diamortisasi. Nilai wajar dari kredit yang diberikan menunjukkan nilai diskon dari perkiraan arus kas masa depan yang diharapkan akan diterima oleh Bank dengan menggunakan suku bunga pasar.

Bank credit portfolio generally consists of loans with floating interest rates and short term loan with fixed interest rate. Loans are stated at amortized cost. The fair value of loans shows the estimated value of discounted future cash flows expected to be received by the Bank using current market interest rates.

Nilai tercatat dari kredit yang diberikan dengan suku bunga mengambang dan pinjaman jangka pendek dengan suku bunga tetap adalah perkiraan yang layak atas nilai wajarnya.

Carrying value of loans with floating interest rates and short-term loans with fixed interest rate are the reasonable estimate of fair values.

(iii) Marketable securities

(iii) Surat-surat berharga

The fair value for marketable securities held-tomaturity is determined based on market price or quoted price of broker/dealer. If this information is not available, fair value is estimated using quoted market prices of securities with similar credit maturity and yield characteristics or using internal valuation model.

Nilai wajar untuk surat-surat berharga yang dimiliki hingga jatuh tempo ditetapkan berdasarkan harga pasar atau harga kuotasi perantara (broker)/pedagang efek (dealer). Jika informasi ini tidak tersedia, nilai wajar diestimasi dengan menggunakan harga pasar kuotasi efek yang memiliki karakteristik kredit, jatuh tempo dan yield yang serupa atau dengan menggunakan metode penilaian internal.

(iv) Debt securities issued and borrowings

(iv) Efek hutang yang diterbitkan dan pinjaman yang diterima

The aggregate fair value is calculated based on discounted cash flow model using current market rate for the remaining period to maturity.

Nilai wajar agregat dihitung berdasarkan model diskonto arus kas menggunakan tingkat suku bunga pasar untuk sisa periode jatuh temponya.

142 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 ,0%$/$1.(5-$



 (03/2<((%(1(),76

Bank memberikan imbalan kerja jangka panjang dan pasca kerja lainnya kepada para karyawannya yang memenuhi syarat yang terdiri dari program pensiun manfaat pasti, Tunjangan Hari Tua (THT), Penghargaan Masa Kerja (PMK), Masa Persiapan Pensiun (MPP) dan Cuti Besar.

The Bank provides long-term benefits and postemployment benefits to all qualified employees which consist of defined benefit pension plan, Oldage Retirement Plan (THT), Service Pay Benefit (PMK), Retirement Preparation Period (MPP) and Annual Leave.

Program pensiun manfaat pasti Bank untuk karyawan Bank yang diangkat sebelum tahun 2008 dikelola oleh Dana Pensiun Karyawan Bank Jabar, sedangkan untuk karyawan yang diangkat sejak tahun 2008 dikelola oleh DPLK Bank Jabar Banten. Kontribusi pegawai adalah sebesar 5,00% dari penghasilan dasar pensiun karyawan dan sisa jumlah yang diperlukan untuk mendanai program tersebut dikontribusi oleh Bank. Program dana pensiun iuran pasti yang terakhir ditetapkan berdasarkan Surat Keputusan Direksi 008/KEP/DIR-SDM/2011 tanggal 14 Oktober 2011 tentang peraturan Dana Pensiun dari Dana Pensiun Lembaga Keuangan Bank Pembangunan Daerah Jawa Barat dan Banten yang telah disahkan dengan Surat Keputusan Menteri Keuangan RI No. Kep-315/KM.10/2012 tentang pengesahan atas peraturan Dana pensiun dari Dana pensiun Lembaga Keuangan Bank Pembangunan Daerah Jawa Barat dan Banten.

The Bank‘s defined benefit pension plan for employees registered before 2008, is managed by Dana Pensiun Karyawan Bank Jabar and for new employees registered from 2008 onwards, is managed by DPLK Bank Jabar Banten. The employee’s contribution is 5.00% of the employee’s pension base salary and the remaining amounts required to fund the plan are contributed by the Bank. The latest defined benefit pension plan regulation as stipulated in Board of Directors’ Decision Letter No. 008/KEP/DIR-SDM/2011 dated October 14, 2011 that the Pension Fund Regulation of Financial Institutions Fund pension of Bank Pembangunan Daerah Jawa Barat dan Banten which was approved by the decree of the Ministry of Finance, Republic of Indonesia No. Kep-315/KM.10/2012 on Approval of the Pension Fund’s Regulation of Financial Institutions Fund Pension of Bank Pembangunan Daerah Jawa Barat dan Banten.

Program THT dikelola oleh Yayasan Kesejahteraan Pegawai Bank Jabar (YKP). Kontribusi pegawai adalah sebesar 5,00% dari penghasilan karyawan dan sisa dana yang diperlukan untuk mendanai program tersebut dikontribusi oleh Bank. Imbalan THT berupa pembayaran jumlah lump-sum yang diberikan kepada karyawan yang memasuki usia pensiun atau berhenti bekerja oleh sebab lain yang diatur dalam Surat Keputusan Direksi No. 150/SK/DIR-SDM/1999 tanggal 1 Desember 1999 yang terakhir diubah dengan Surat Keputusan Direksi No. 03/SK/DIR-SDM/2011 tanggal 3 Januari 2011 tentang Peraturan Tunjangan Hari Tua PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

The THT benefit plan is managed by Yayasan Kesejahteraan Pegawai Bank Jabar (YKP). The employee’s contribution is 5.00% of the employee’s salary and the remaining amounts required to fund the plan are contributed by the Bank. The THT benefit represents a lump-sum payment to employees who reach pension age or retire due to other reasons as mentioned in the Board of Directors’ Decision Letter No. 150/SK/DIR-SDM/1999 dated December 1, 1999, which was last amended based on Board of Directors’ Decision Letter No. 03/SK/DIRSDM/2011 dated Januari 3, 2011 about Pension Plan policy of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.

Program PMK dikelola sendiri oleh Bank dan diatur dalam peraturan program PMK yang terakhir ditetapkan dengan Surat Keputusan Direksi No. 645/SK/DIR-SDM/2013 tanggal 8 Oktober 2013. Imbalan PMK berupa pembayaran yang jumlahnya sebesar masing-masing 200% dan 300% dari penghasilan dasar pensiun (PhDP) kepada pegawai dengan masa kerja 15 tahun dan 25 tahun dengan syarat hasil penilaian kinerja dua tahun terakhir berpredikat baik.

The PMK Program is self-managed by the Bank and is based on the latest PMK plan regulation which is stipulated in the Directors’ Decision Letter No. 645/SK/DIR-SDM/2013 dated October 8, 2013. The PMK benefit represents a payment amounting to 200% and 300% of the employee’s pension base salary (PhDP) to employees with working service periods of 15 and 25 years, respectively. The qualifying employee is required to have good results in the performance of evaluation for the last two years.

Program MPP dikelola sendiri oleh Bank dan merupakan program imbalan kerja bagi karyawan yang akan memasuki masa pensiun.

MPP plan is self-managed by the Bank and is an employee benefit plan for employees who will enter pension age. 143 bank bjb Annual Report 2014

761

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

762



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ,0%$/$1.(5-$ ODQMXWDQ

 (03/2<((%(1(),76 FRQWLQXHG

Program Cuti Besar dikelola sendiri oleh Bank dan merupakan program imbalan kerja bagi karyawan untuk penggantian hak cuti besar.

Annual leave program is self-managed by the Bank and is an employee benefit plan for replacement of annual leave rights.

Perhitungan aktuaria atas liabilitas imbalan kerja jangka panjang dan pasca kerja dihitung oleh aktuaria independen (PT Dian Artha Tama) dengan menggunakan metode projected unit credit. Perhitungan aktuaria untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013 berdasarkan laporan aktuaria masing-masing pada tanggal 16 Januari 2015 dan 13 Januari 2014.

The actuarial calculation of the long-term benefits and post-employment benefits was performed by an independent actuary (PT Dian Artha Tama) using the projected unit credit method. The actuarial computation for the years ended December 31, 2014 and 2013 are based on the actuarial reports dated January 16, 2015 and January 13, 2014, respectively.

Asumsi-asumsi utama yang digunakan dalam perhitungan aktuaria adalah sebagai berikut:

Key assumptions used in the actuarial calculation are as follows:

    

 



Asumsi ekonomi Tingkat diskonto per tahun Tingkat bunga imbal hasil investasi aset Tingkat kenaikan penghasilan dasar per tahun Asumsi lainnya Tabel mortalitas Tingkat cacat

Usia pensiun normal Tingkat pengunduran diri untuk usia : 18 - 44 tahun 45 - 54 tahun

 



  Economic assumptions Annual discount rate Investment yield of plan assets

8,0%

9,0%

8,0%

8,0%

6,0%

6,0%

Annual salary growth rate

GAM 1971/ GAM 1971/ GAM 1971 GAM 1971 0,25% per annum 0,25% per annum dari GAM 1971/ dari GAM 1971/ 0.25% of GAM 1971 0.25% of GAM 1971 55 55

Other assumptions Mortality table Disability rate

1,0% 1,0%

1,0% 1,0%

Normal retirement age Retirement rate per year for ages: 18 - 44 years old 45 - 54 years old

Status aset (liabilitas) program imbalan kerja pada tanggal-tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:

The employee benefits plan assets (liabilities) status as of December 31, 2014 and 2013 are as follows:

a.

a.

Biaya program imbalan kerja untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:



 







   

   

   

   

   

   

  





   

   

Biaya jasa kini Biaya bunga Laba (rugi) aktuaria Biaya jasa lalu - vested Biaya jasa lalu - non vested Hasil yang diharapkan atas aset dana pensiun 7RWDO







'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

(19.739) (47.938) 546 -

(45.165) (23.888) (612) (5.068)

56.930

25.083

  

   

  

144 bank bjb Laporan Tahunan 2014

Employee benefits expenses for the years ended December 31, 2014 and 2013 are as follows:

3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

   

(28.908) (11.235) (715) (1.129)   

   7RWDO

 

(93.812) (83.061) (781) (6.197)

Current service cost Interest cost Actuarial gain (loss) Past service cost - vested Past service cost - non vested

82.013

Expected return on plan assets

  



7RWDO

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 







   

   

   

   

   

   

  

 (03/2<((%(1(),76 FRQWLQXHG





   

   

Biaya jasa kini Biaya bunga Rugi aktuaria Biaya jasa lalu - vested Biaya jasa lalu - non vested Hasil yang diharapkan atas aset dana pensiun 7RWDO

b.

 







   

   

   

   

   

   







  





   

   

Saldo awal Beban tahun berjalan Kontribusi pemberi kerja Imbalan yang dibayarkan 

 



6DOGRDNKLU







 











   

   

   

   

   

   

   

   

  

Saldo awal Beban tahun berjalan Kontribusi pemberi kerja Imbalan yang dibayarkan  



c.

6DOGRDNKLU

 







   

   

   

   

   





  





   

   

Saldo awal Biaya jasa kini Biaya bunga Imbalan yang dibayarkan Rugi aktuaria pada kewajiban 

 

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

(17.602) (42.522) (10.748) -

(27.640) (18.560) (1.939) (5.068)

56.069

21.483

  

   



6DOGRDNKLU





3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

   

(18.857) (8.709) (2.438) (1.129) -

  

  

b.

   7RWDO

 

(64.099) (69.791) (15.125) (6.197)

Current service cost Interest cost Actuarial loss Past service cost - vested Past service cost - non vested

77.552

Expected return on plan assets

  



7RWDO

Following are the reconciliation of the movements of employee benefit assets (liabilities) during the years:

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

152.806 (10.201) 17.579 -

54.235 (49.650) 43.720 -

 

   

3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

   

(115.924) (41.987) 13.426

 

   7RWDO

 

91.117 (101.838) 61.299 13.426

  

 

Beginning balance Current year expense Employer’s contribution Actual benefits paid (QGLQJEDODQFH

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

152.427 (14.803) 15.182 -

49.920 (31.724) 36.039 -

 

   

3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

   

(99.779) (31.133) 14.988

 

   7RWDO

 

102.568 (77.660) 51.221 14.988

  

c.

Mutasi nilai kini liabilitas pensiun adalah sebagai berikut:



   

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

Rekonsiliasi atas perubahan aset (liabilitas) imbalan kerja selama tahun berjalan adalah sebagai berikut:









 ,0%$/$1.(5-$ ODQMXWDQ

763

 

Beginning balance Current year expense Employer’s contribution Actual benefits paid (QGLQJEDODQFH

The movements in the present value of retirement obligation are as follows:

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

   

3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

   

   7RWDO

 

(564.649) (19.739) (47.938) 32.007 (53.317)

(279.320) (45.165) (23.888) 13.901 (36.679)

(138.265) (28.908) (11.235) 13.425 (23.255)

  

  

     

(982.234) (93.812) (83.061) 59.333 (113.251)

Beginning balance Current service cost Interest cost Actual benefits paid Actuarial loss on obligation (QGLQJEDODQFH

145 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

764



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ,0%$/$1.(5-$ ODQMXWDQ 

 







   

   

   

   

   

   

  

 (03/2<((%(1(),76 FRQWLQXHG





   

   

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

Saldo awal Biaya jasa kini Biaya bunga Imbalan yang dibayarkan Rugi aktuaria pada kewajiban 

 



d.

6DOGRDNKLU

Mutasi nilai wajar sebagai berikut:



 







   

   

   

   

   

   



  



aset 



   

   

 



6DOGRDNKLU



 







   

   

   

   

   

   

 



e.

   





  







(741.356) (17.602) (42.522) 32.657 204.174

(324.140) (27.640) (18.560) 14.811 76.209

(160.148) (18.857) (8.709) 14.988 34.461

  

  

  





   

   

6DOGRDNKLU

3URJUDP /DLQQ\D 2WKHU %HQHILWV

d.

adalah

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

   







   

   

   



Nilai wajar aset program Nilai kini dari kewajiban pensiun 





Status pendanaan Kerugian aktuaria yang belum diakui 





Kewajiban pensiun 











   

  7RWDO 7RWDO

(QGLQJEDODQFH

 

-

82.013 61.299 (45.908)

36.749

3.472

-

40.221

 

   

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

1.025.154

Beginning balance Expected return on plan assets Bank’s contribution Actual benefits paid Actuarial gain on plan asset

 

 

   

3URJUDP /DLQQ\D 2WKHU %HQHILWV

   

  7RWDO 7RWDO

 

(QGLQJEDODQFH

-

969.393

56.069 15.182 (32.657)

21.483 36.040 (14.811)

-

77.552 51.222 (47.468)

(27.837)

2.292

-

(25.545)

 













22.950 160.184



 

e.









BBBBB



BBBBB



(564.649)



5.836

BBBBB

152.806













700.862 

146.970 







(40.494) 

192.921 152.427















B

(676.751)



216.755

 

B

634.958 B

(38.645) 

(QGLQJEDODQFH

Balance of employee benefits as of December 31, 2014 and previous four years are as follows:

638.106

(741.356)

Beginning balance Expected return on plan assets Bank’s contribution Actual benefits paid Actuarial gain (loss) on plan asset

 

3URJUDP3HQVLXQ3HQVLRQ3ODQ



711.619

(653.636)

 

268.531





   

700.862

146 bank bjb Laporan Tahunan 2014

   

25.083 43.720 (13.901)

137.234 

Beginning balance Current service cost Interest cost Actual benefits paid Actuarial loss on obligation

  

56.930 17.579 (32.007)

790.870 

(1.225.644) (64.099) (69.791) 62.456 314.844

'HVHPEHU'HFHPEHU





 

-

3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ





  7RWDO 7RWDO

313.535

 

  

   

The movements in the fair value of plan assets are as follows:

3URJUDP /DLQQ\D 2WKHU %HQHILWV

Saldo imbalan kerja untuk posisi 31 Desember 2014 dan posisi selama empat tahun sebelumnya:   

   

711.619

 

  

   

'HVHPEHU'HFHPEHU 3URJUDP 3HQVLXQ 3HQVLRQ 3ODQ

Saldo awal Hasil yang diharapkan atas aset dana pensiun Kontribusi Bank Imbalan yang dibayarkan Laba (rugi) aktuaria pada aset program 

 3URJUDP   7+7   7+7   %HQHILW3ODQ 

program

Saldo awal Hasil yang diharapkan atas aset dana pensiun Kontribusi Bank Imbalan yang dibayarkan Laba aktuaria pada aset program 

   



178.110

(526.525) B

108.433 B

Fair value of plan assets Present value of retirement obligation

70.431

Funded status Unrecognized actuarial loss

178.864

Retirement obligation

B

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ,0%$/$1.(5-$ ODQMXWDQ f.

   





   





  







  













  







  







  







   





  







 

 

  



Nilai wajar aset program Nilai kini dari kewajiban pensiun 





Status pendanaan Kerugian (keuntungan) aktuaria yang belum diakui Biaya jasa lalu yang belum diakui 













  

  

  

  







   



 

g.

f.

Saldo imbalan kerja untuk posisi 31 Desember 2014 dan posisi selama empat tahun sebelumnya: (lanjutan)



  

 (03/2<((%(1(),76 FRQWLQXHG







Nilai wajar aset program Nilai kini dari kewajiban pensiun 



Status pendanaan Keuntungan Aktuaria yang belum diakui Biaya jasa lalu yang belum diakui 



Kewajiban pensiun



 

  

  

  



Nilai wajar aset program Nilai kini dari kewajiban pensiun 



Status pendanaan Keuntungan Aktuaria yang belum diakui Biaya jasa lalu yang belum diakui Pembatasan aset imbalan kerja 



Kewajiban pensiun 























371.909 

(371.151)





758

13.033 

34.514





48.305













 















BBBBB

3.734























(1.213.025)



















B

245.268

(324.140)



B

 

B

236.266

(247.311)



B

(215.263)

(2.043)

21.003

(19.562)

60.878

6.897

(22.029)

39.582









BBBBB







49.719

















BBBBB



4.862

BBBBB





5.991









(123.644)







B









969.393 

(1.225.644)

BBBBB



B

7.573











B

(88.312)

13.870 B

8.702 (65.740)





B



B

Fair value of plan assets Present value of retirement obligation Funded status Unrecognized actuarial gain Unrecognized past service cost Retirement obligation

 

B

871.224

(1.047.706)

Unrecognized actuarial loss (gain) Unrecognized past service cost

B

(88.312)

883.374 

Funded status

 

-

(78.273)







37.798

7RWDO3URJUDP7RWDO%HQHILWV



B

Fair value of plan assets Present value of retirement obligation

56.991

(123.644)

(99.779)





B

54.378



(982.234)







58.017

-

(160.148)

 BBBBB

(160.148)

B

54.573

-

(138.265)





3URJUDP/DLQQ\D2WKHU%HQHILWV

 BBBBB

44.651

49.920

1.025.154 



(55.609)





1.162.779 



(115.924)







34.215

17.479 



268.531

(138.265)

(144.485) 





-

(188.238)





(279.320)





BBBBB









3URJUDP7+77+7%HQHILW3ODQ



54.235









313.535

40.019







(188.238)









Balance of employee benefits as of December 31, 2014 and previous four years are as follows: (continued)

(830.100) B

Fair value of plan assets Present value of retirement obligation

(50.246)

42.920

(256.251)

(164.332)

41.124

76.002

3.753

308.177

261.450

62.272

38.248

44.444

50.642

57.292

66.719

Unrecognized actuarial gain Unrecognized past service cost

-

-

-

-

-

Asset ceiling limitation

170.115

Retirement obligation



64.004







91.117

BBBBB



102.568

154.410

g.

Portofolio investasi aset program yang ditempatkan dalam bentuk instrumen keuangan Bank terdiri dari Surat Berharga Negara, Obligasi, Deposito Berjangka dan Saham.



B

B

Funded status

The asset program’s investment portfolio that placed in the form of Bank’s financial instruments consist of government securities, bonds, time deposits and shares of stocks.

147 bank bjb Annual Report 2014

765

The original consolidated financial statements included herein are in the Indonesian language.

 

766

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 /$%$3(56$+$0'$6$5

 %$6,&($51,1*63(56+$5( Earnings per share amounts are computed by dividing income for the year attributable to the equity holders of the parent entity by the weighted average number of common stock outstanding during the year. The outstanding common stock includes other paid-up capital during the year (Note 32).

Laba per saham dasar dihitung dengan membagi laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk dengan rata-rata tertimbang jumlah saham biasa yang beredar pada tahun bersangkutan. Jumlah saham biasa yang beredar termasuk modal disetor lainnya selama tahun berjalan (Catatan 32).    



 



 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

Laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk Rata-rata tertimbang jumlah saham biasa yang beredar (jumlah penuh) Laba per saham dasar (nilai penuh)

1.116.095

1.372.913

9.696.291.166 115,11

9.696.291.166 141,59

In the normal course of business, Bank and subsidiaries enter into certain transactions with parties which are related to the management and/or owned by the same ultimate shareholder. All transactions with related parties have met the agreed terms and conditions.

Dalam kegiatan normal usaha, Bank dan entitas anak melakukan transaksi dengan pihak berelasi karena hubungan kepemilikan dan/atau kepengurusan. Semua transaksi dengan pihakpihak berelasi telah dilakukan dengan kebijakan dan syarat yang telah disepakati bersama.

2.



 3LKDNSLKDNEHUHODVL 5HODWHGSDUWLHV Pemerintah Provinsi Jawa Barat/The Government of the West Java Province Manajemen kunci/Key management personnel

3.

BPR dan PD-LPK/BPR and PD-LPK

4

PT Asuransi Bangun Askrida



6LIDWKXEXQJDQ LVWLPHZD1DWXUHRI UHODWLRQVKLS Pemegang saham pengendali/Controlling shareholders Hubungan pengendalian kegiatan perusahan/relation through control in the Bank’s operation Hubungan kepemilikan melalui pemerintah provisi dan kabupaten/ownersip relation through province and regional government Hubungan kepemilikan melalui pemerintah provisi dan kabupatenownersip relation through province and regional government

148 bank bjb Laporan Tahunan 2014

Income for the year attributable to equity holders of the parent entity Weighted average number of outstanding common stock (full amount) Basic earnings per share (full amount)

 5(/$7('3$57<75$16$&7,216

75$16$.6,'(1*$13,+$.3,+$.%(5(/$6,

  1R 1.





a. b. c. a. b. c.

 7UDQVDNVL 7UDQVDFWLRQ Giro/Demand deposits Simpanan nasabah/Deposits from customers Kredit yang diberikan/Loans Kredit yang diberikan/Loans Simpanan nasabah/Deposits from customers Kredit yang diberikan/Loans

a. Penyertaan saham/Investment in shares b. Simpanan dari bank lain/Deposits from other banks a. Asuransi aset tetap/Fixed assets insurance

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5(/$7('3$57<75$16$&7,216 FRQWLQXHG

75$16$.6,'(1*$13,+$.3,+$.%(5(/$6, ODQMXWDQ a.



a. The following tables show the aggregate amounts of transactions with related parties (except for key management) as of December 31, 2014 and 2013:

Tabel berikut menunjukkan jumlah agregat dari transaksi pihak yang berelasi (selain manajemen kunci) pada tanggal-tanggal 31 Desember 2014 dan 2013:

   



 

767

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

$VHW      Kredit yang diberikan dan pembiayaan/ piutang syariah Penyertaan saham

 

 

870.803 31.984

929.108 31.984

$VVHWV Loans and sharia financing/ receivables Investment in shares

   

   

(53.884)

(95.024)

7RWDODVVHWVIURP UHODWHGSDUWLHV Allowance for impairment losses for related parties

7RWDODVHWGDULSLKDNSLKDN  EHUHODVL  Cadangan kerugian penurunan nilai dari pihak-pihak berelasi

   

7RWDODVHWGDULSLKDNSLKDN  EHUHODVLQHWR

   

   

   

7RWDODVVHWVIURPUHODWHG SDUWLHVQHW

3HUVHQWDVHWRWDODVHWSLKDN  EHUHODVLWHUKDGDSWRWDODVHW

   

   

   

3HUFHQWDJHRIWRWDODVVHWVIURP UHODWHGSDUWLHVWRWRWDODVVHWV

/LDELOLWDV  Simpanan nasabah dan simpanan nasabah syariah Simpanan dari bank lain Dana syirkah temporer

 

 

 

/LDELOLWLHV Deposits from customer and deposits from customer - sharia Deposits from other banks Temporary syirkah fund

7RWDOOLDELOLWLDVGDQGDQD  V\LUNDKWHPSRUHUNHSDGD  SLKDNSLKDNEHUHODVL

     

3HUVHQWDVHWRWDOOLDELOLWDVGDQGDQD  V\LUNDKWHPSRUHUSLKDNEHUHODVL  WHUKDGDSWRWDOOLDELOLWDV   GDQWRWDOGDQDV\LUNDKWHPSRUHU

   

12.081.238 136.608 5.047

8.281.951 144.875 5.774

     

     

   

   

   

   

7RWDOOLDELOLWLHVDQGWHPSRUDU\ V\LUNDKIXQGWRUHODWHGSDUWLHV 3HUFHQWDJHRIWRWDOOLDELOLWLHVDQG WHPSRUDU\V\LUNDKIXQGWRUHODWHG SDUWLHVWRWRWDOOLDELOLWLHV DQGWHPSRUDU\V\LUNDKIXQG

149 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

768



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5(/$7('3$57<75$16$&7,216 FRQWLQXHG

75$16$.6,'(1*$13,+$.3,+$.%(5(/$6, ODQMXWDQ a.

 

 

 

a. The following tables show the aggregate amounts of transactions with related parties (except for key management) as of December 31, 2014 and 2013 (continued):

Tabel berikut menunjukkan jumlah agregat dari transaksi pihak yang berelasi (selain manajemen kunci) pada tanggal-tanggal 31 Desember 2014 dan 2013 (lanjutan):  

 

 

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU
     

 

3HQGDSDWDQEXQJDGDQ     EDJLKDVLO

   

Kredit yang diberikan dan pembiayaan/ piutang syariah Penyertaan Saham



 



 

   

   

119.321 7.928

137.406 6.116

,QWHUHVWLQFRPHDQGLQFRPH IURPSURILWVKDULQJ Loans and sharia financing/ receivables Investment in shares

   7RWDOSHQGDSDWDQEXQJDGDQ     EDJLKDVLOGDULSLKDNSLKDN     EHUHODVL

     

     

     

7RWDOLQWHUHVWLQFRPHDQGLQFRPH IURPSURILWVKDULQJIURP UHODWHGSDUWLHV

   3HUVHQWDVHWHUKDGDSWRWDO     SHQGDSDWDQEXQJDGDQEDJL     KDVLO

     

     

     

3HUFHQWDJHWRWRWDOLQWHUHVW LQFRPHDQGLQFRPHIURP SURILWVKDULQJ

 

 

,QWHUHVWDQGERQXVH[SHQVHV Deposits from customer, deposits from customer-– sharia, and temporary syirkah fund Deposits from other banks

        %HEDQEXQJDGDQERQXV   Simpanan nasabah, simpanan nasabah syariah, dan dana syirkah temporer Simpanan dari bank lain

1.024.807 9.880

584.882 9.394

   7RWDOEHEDQEXQJDGDQERQXV     GDULSLKDNSLKDNEHUHODVL

   

   

   

7RWDOLQWHUHVWDQGERQXVH[SHQVHV IURPUHODWHGSDUWLHV

   3HUVHQWDVHWHUKDGDSWRWDO     EHEDQEXQJDGDQERQXV

   

   

   

3HUFHQWDJHWRWRWDOLQWHUHVW DQGERQXVH[SHQVH

b.

   

b.

Transaksi dengan manajemen kunci: 



 

Transactions with key management personnel:

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

$VHW   Kredit yang diberikan dan pembiayaan/ piutang syariah Cadangan kerugian penurunan nilai dari manajemen kunci

  2.280

  2.669

(10)

(39)

$VVHWV Loan and sharia financing/ receivables Allowance for impairment losses for key management personnel

    7RWDONUHGLW\DQJGLEHULNDQGDQ     SLXWDQJSHPELD\DDQV\DULDK     GDULPDQDMHPHQNXQFL

     

     

     

7RWDOORDQDQGVKDULDILQDQFLQJ UHFHLYDEOHVIURPNH\ PDQDJHPHQWSHUVRQQHO

3HUVHQWDVHWHUKDGDSWRWDODVHW

 

 

 

3HUFHQWDJHWRWRWDODVVHWV

 

 

 

/LDELOLWLHV Deposits from customer and deposits from customer - sharia

   

3HUFHQWDJHWRWRWDOOLDELOLWLHV DQGWHPSRUDU\V\LUNDKIXQG

    /LDELOLWDV Simpanan nasabah dan simpanan nasabah syariah

3HUVHQWDVHWHUKDGDSWRWDOOLDELOLWDV   GDQGDQDV\LUNDKWHPSRUHU 

4.764.244    

150 bank bjb Laporan Tahunan 2014

3.487.557

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5(/$7('3$57<75$16$&7,216 FRQWLQXHG

75$16$.6,'(1*$13,+$.3,+$.%(5(/$6, ODQMXWDQ b.

769

b.

Transaksi dengan manajemen kunci (lanjutan):

Transactions with key management personnel (continued):



 

 

 

 

   

 

 













 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU




     

 

3HQGDSDWDQEXQJDGDQ EDJLKDVLO Kredit yang diberikan dan piutang/ pembiayaan syariah 3HUVHQWDVHWHUKDGDSWRWDO SHQGDSDWDQEXQJDGDQEDJL KDVLO

   





 



 

   

   

25

372

     

     

     

    %HEDQEXQJDGDQERQXV Simpanan nasabah dan simpanan nasabah syariah

 

 

 

    3HUVHQWDVHWHUKDGDSWRWDO     EHEDQEXQJDGDQERQXV

   

 

 

           

 

 

 

 

 

    

243

   

   

,QWHUHVWDQGERQXVH[SHQVHV Deposits from customer and deposits from customer - sharia 3HUFHQWDJHWRWRWDOLQWHUHVW DQGERQXVH[SHQVH

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO 'HVHPEHU
 

%HEDQJDMLGDQWXQMDQJDQ

29

,QWHUHVWLQFRPHDQGLQFRPH IURPSURILWVKDULQJ Loan and sharia financing/receivables 3HUFHQWDJHWRWRWDOLQWHUHVW LQFRPHDQGLQFRPHIURP SURILWVKDULQJ



 

 



 

 

 

6DODULHVDQGHPSOR\HHEHQHILWV

 Direksi Dewan Komisaris Karyawan Kunci

63.570 20.783 57.181

46.916 18.652 62.989

Board of Directors Board of Commissioners Key Employees

7RWDO  

 

 

 

7RWDO

3HUVHQWDVHWHUKDGDSWRWDOEHEDQ JDMLGDQWXQMDQJDQNDU\DZDQ

   

   

   

3HUFHQWDJHWRWRWDOVDODULHV DQGHPSOR\HHEHQHILWV

 .(3(17,1*$11213(1*(1'$/,

 121&21752//,1*,17(5(67 Details of non-controlling interests proportionate share in the net assets and income for the year of the consolidated subsidiaries are as follows:

Rincian bagian kepentingan non-pengendali atas aset neto dan laba tahun berjalan entitas anak yang dikonsolidasi adalah sebagai berikut: 

 









    

    

    

    

 .HSHQWLQJDQQRQSHQJHQGDOL   .HSHQWLQJDQQRQSHQJHQGDOL  SDGDHQWLWDVDQDN\DQJ   SDGDHQWLWDVDQDN\DQJ  GLNRQVROLGDVLQRQFRQWUROOLQJ   GLNRQVROLGDVLQRQFRQWUROOLQJ  LQWHUHVWLQFRQVROLGDWHG   LQWHUHVWLQFRQVROLGDWHG  VXEVLGLDULHV   VXEVLGLDULHV  

   

   

   

   

   

       $VHWQHWR   1HWDVVHW 

  (QWLWDVDQDN PT Bank Jabar Banten Syariah PD BPR LPK Garut Kota PD BPR LPK Jalan Cagak

 

  1HWR 

 



 



 





 /DEDWDKXQ      EHUMDODQ      ,QFRPHIRU   $VHWQHWR   WKH\HDU   1HWDVVHW 

 

 





 /DEDWDKXQ  EHUMDODQ   ,QFRPHIRU   WKH\HDU 

 

 

13.721 14.749

523 1.725

14.430 10.389

651 1.296

12.101

1.692

9.225

1.527

 

 

 

 

6XEVLGLDULHV PT Bank Jabar Banten Syariah PD BPR LPK Garut Kota PD BPR LPK Jalan Cagak 1HW

151 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

770



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ,1)250$6,6(*0(186$+$

 6(*0(17,1)250$7,21

Bank mempertimbangkan jenis usaha sebagai segmen utama dan lokasi geografis sebagai segmen sekunder.

The Bank considers the nature of its business as the primary segment and geographical areas as the secondary segment.

Informasi yang berkaitan dengan segmen usaha yang utama dari Bank disajikan dalam tabel di bawah ini:

Information concerning the primary segment information of the Bank is set out in the table below:

  

    

    

 

    

 

'HVHPEHU'HFHPEHU 7DKXQ\DQJ%HUDNKLUSDGDWDQJJDO'HVHPEHU
 .RQYHQVLRQDO    &RQYHQWLRQDO  

Pendapatan segmen Beban segmen Pendapatan segmen - neto Pendapatan operasional lainnya penyisihan kerugian penurunan nilai aset keuangan dan non-aset keuangan Beban estimasi kerugian komitmen dan kontinjensi Beban operasional lainnya Laba operasional Pendapatan (beban) bukan operasional - neto Beban pajak - neto /DEDWDKXQEHUMDODQ



7RWDODVHW 



  

    

    

 



    

 

6\DULDK 6KDULD

   

(OLPLQDVL (OLPLQDWLRQ

   

 7RWDO

8.200.842 (3.978.208)

590.978 (352.014)

-

8.791.820 (4.330.222)

4.222.634

238.964

-

4.461.598

553.203

12.701

-

565.904

(694.006)

31.325

-

(2.701.533)

(631) (246.822)

-

1.380.298

35.537

-

34.815 (305.667)

(5) (12.788)

(12.155) -

1.109.446

22.744

(12.155)

1.120.035

 

  

 

 

Segment Income - net

Other operating income Provision for impairment losses on financial assets (662.681) and non-financial assets Estimated losses on commitments and (631) contingencies (2.948.355) Other operating expenses 1.415.835 22.655 (318.455)

Income from operations Non-operating income (expenses) - net Tax expense - net ,QFRPHIRUWKH\HDU 7RWDODVVHWV

'HVHPEHU'HFHPEHU 7DKXQ\DQJ%HUDNKLUSDGDWDQJJDO'HVHPEHU
 .RQYHQVLRQDO    &RQYHQWLRQDO  

Pendapatan segmen Beban segmen Pendapatan segmen - neto Pendapatan operasional lainnya penyisihan kerugian penurunan nilai aset keuangan dan non-aset keuangan Beban estimasi kerugian komitmen dan kontinjensi Beban operasional lainnya Laba operasional Pendapatan (beban) bukan operasional - neto Beban pajak - neto

6\DULDK 6KDULD

   

(OLPLQDVL (OLPLQDWLRQ

   

 7RWDO

7.624.965 (3.107.393)

508.023 (243.452)

-

8.132.988 (3.350.845)

4.517.572

264.571

-

4.782.143

438.943

8.608

9.707

457.258

(541.809)

(27.740)

(46.518)

(2.667.102)

(65) (204.236)

1.747.604

41.138

(36.811)

(568) (12.255)

(1.476) 4.159

2.987 (368.391)

-

1.751.931 943 (376.487)





 

 

  



7RWDODVHW 





 

 

  

 



152

Segment income Segment expenses Segment Income - net

Other operating income Provision for impairment losses on financial assets (616.067) and non-financial assets Estimated losses on commitments and (65) contingencies (2.871.338) Other operating expenses

/DEDWDKXQEHUMDODQ

bank bjb Laporan Tahunan 2014

Segment income Segment expenses

Income from operations Non-operating income (expenses) - net Tax expense - net ,QFRPHIRUWKH\HDU 7RWDODVVHWV

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
771





 ,1)250$6,6(*0(186$+$ ODQMXWDQ

 6(*0(17,1)250$7,21 FRQWLQXHG Information concerning the secondary segment information of the Bank is set out in the table below:

Informasi yang berkaitan dengan segmen usaha sekunder dari Bank disajikan dalam tabel di bawah ini:     

 



  7RWDODVHW Jawa Barat Banten DKI Jakarta Jawa Tengah Jawa Timur Sumatera Selatan Riau Sumatera Utara Kepulauan Riau Bali Kalimantan Timur Kalimantan Selatan Sulawesi Selatan

 

  48.700.957 14.276.724 9.976.588 748.825 670.588 657.031 366.587 260.731 224.144 181.032 180.579 170.689 141.826

58.366.747 6.666.202 4.684.595 437.248 357.267 252.764 129.416 111.469 130.800 147.557 114.621 147.926 123.105

76.556.301 (719.764)

71.669.717 (711.484)

 

 

 

6LPSDQDQQDVDEDKVLPSDQDQQDVDEDK   6\DULDKVLPSDQDQGDULEDQNODLQGDQ   GDQDV\LUNDKWHPSRUHU   Jawa Barat Banten DKI Jakarta Jawa Timur Sumatera Selatan Riau Sumatera Utara Jawa Tengah Kepulauan Riau Kalimantan Selatan Bali Kalimantan Timur Sulawesi Selatan

      42.025.173 10.249.634 7.641.232 413.167 346.349 324.200 254.265 229.382 102.231 44.040 43.784 42.268 34.633

  'HSRVLWVIURPFXVWRPHUVGHSRVLWVIURP  FXVWRPHUVVKDULDGHSRVLWVIURPRWKHU    EDQNVDQGWHPSRUDU\V\LUNDKIXQGV 38.196.725 West Java 8.906.598 Banten 6.415.168 DKI Jakarta 441.161 East Java 574.617 South Sumatera 257.057 Riau 223.068 North Sumatera 245.590 Central Java 110.636 Riau Island 33.598 South Kalimantan 115.846 Bali 38.318 East Kalimantan 32.332 South Sulawesi

Eliminasi

61.750.358 (85.633)

55.590.714 (80.145)

Eliminasi   7RWDO

 

3  

7RWDODVVHWV West Java Banten DKI Jakarta Central Java East Java South Sumatera Riau North Sumatera Riau Island Bali East Kalimantan South Kalimantan South Sulawesi Elimination 7RWDO

Elimination

7RWDO

 

 

 

7RWDO

3HQGDSDWDQRSHUDVLRQDO  Jawa Barat Banten DKI Jakarta Jawa Tengah Jawa Timur Sumatera Selatan Kepulauan Riau Riau Kalimantan Selatan Sumatera Utara Bali Kalimantan Timur Sulawesi Selatan

 

  7.481.352 1.090.418 501.221 62.050 47.739 46.865 22.363 21.875 19.862 19.737 16.272 15.934 12.036

  6.929.906 1.035.052 417.165 41.313 38.156 34.761 12.732 14.777 13.687 11.687 10.667 6.046 14.590

2SHUDWLQJLQFRPH  West Java Banten DKI Jakarta Central Java East Java South Sumatera Riau Island Riau South Kalimantan North Sumatera Bali East Kalimantan South Sulawesi

9.357.724 -

8.580.539 9.707

 

 

Total Eliminasi 7RWDO

 

Total Elimination 7RWDO

*) Consist of interest and sharia profit sharing income, fees and commission income and other operating income.

*) Terdiri dari pendapatan bunga dan bagi hasil syariah, pendapatan provisi dan komisi dan pendapatan operasional lainnya.



153 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

772



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 ,1)250$6,6(*0(186$+$ ODQMXWDQ  

 

 

 

 

 













 6(*0(17,1)250$7,21 FRQWLQXHG

 

 7DKXQ\DQJEHUDNKLUSDGDWDQJJDO  'HVHPEHU




     

 

%HEDQRSHUDVLRQDO

 Jawa Barat DKI Jakarta Banten Jawa Timur Jawa Tengah Sumatera Selatan Sumatera Utara Riau Kepulauan Riau Bali Kalimantan Timur Sulawesi Selatan Kalimantan Selatan

 

Eliminasi





 



 

  5.910.288 919.601 850.576 72.649 44.967 41.345 26.094 25.384 13.213 12.842 9.897 6.126 8.907

  5.285.405 640.990 664.311 35.862 32.543 52.033 18.261 14.747 9.374 12.833 8.771 9.809 6.858

7.941.889 -

6.791.797 46.518

2SHUDWLQJH[SHQVHV

 West Java DKI Jakarta Banten East Java Central Java South Sumatera North Sumatera Riau Riau Island Bali East Kalimantan South Sulawesi South Kalimantan Elimination

7RWDO  

 

 

 

7RWDO

3HQGDSDWDQRSHUDVLRQDOQHWR Jawa Barat Banten Jawa Tengah Kalimantan Selatan Kepulauan Riau Kalimantan Timur Sulawesi Selatan Sumatera Selatan Bali Riau Sumatera Utara Jawa Timur DKI Jakarta

 

  1.571.101 239.824 17.083 10.955 9.150 6.037 5.910 5.520 3.430 (3.508) (6.357) (24.910) (418.400)

  1.644.501 370.741 8.770 6.829 3.358 (2.725) 4.780 (17.272) (2.167) 31 (6.573) 2.294 (223.824)

1HWRSHUDWLQJLQFRPH West Java Banten Central Java South Kalimantan Riau Island East Kalimantan South Sulawesi South Sumatera Bali Riau North Sumatera East Java DKI Jakarta

1.415.835 -

1.788.743 (36.812)

Eliminasi

Elimination

7RWDO  

 

 

 

7RWDO

/DEDVHEHOXPSDMDNSHQJKDVLODQ Banten Jawa Barat DKI Jakarta Riau Sumatera Selatan Kalimantan Selatan Kepulauan Riau Sumatera Utara Kalimantan Timur Sulawesi Selatan Bali Jawa Tengah Jawa Timur

 

  736.712 686.971 14.176 9.418 9.479 3.779 3.159 1.083 26 (460) (2.814) (3.630) (7.254)

  609.050 1.217.887 (48.403) 4.661 16.877 1.950 1.262 (4.004) (5.729) (1.089) (3.131) 3.372 (1.542)

,QFRPHEHIRUHLQFRPHWD[ Banten West Java DKI Jakarta Riau South Sumatera South Kalimantan Kepulauan Riau North Sumatera East Kalimantan South Sulawesi Bali Central Java East Java

Eliminasi 7RWDO

 

1.450.645 (12.155)

1.791.161 (38.287)

 

 

**) Terdiri dari beban bunga dan bagi hasil syariah, dan beban operasional lainnya.

7RWDO

**) Consist of interest expense and sharia profit sharing, and other operating expense.

154 bank bjb Laporan Tahunan 2014

Elimination

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7

 &5(',75,6.

Sesuai dengan karakteristiknya, kredit yang ada di Bank dan entitas anak saat ini terbagi dalam kredit produktif dan kredit konsumtif. Untuk mengelola risikonya, Bank dan entitas anak mengukur risiko kredit dari portofolio yang ada baik secara kuantitatif maupun secara kualitatif. Hal ini untuk memastikan kemungkinan kerugian dari tidak dibayarnya pinjaman yang diberikan menjadi seminimal mungkin, baik untuk debitur individual maupun secara keseluruhan.

In accordance with the loan characteristics, the Bank’s and subsidiaries’ loan portfolios are classified into productive loans and consumer loans. In order to manage the risk, the Bank and subsidiaries measure credit risk arising from the existing portfolios quantitatively and qualitatively to ensure that the potential losses from default loans are minimized, both for individual borrowers and the overall portfolio.

Sistem dan prosedur kredit Bank dan entitas anak telah dibakukan untuk menjamin diterapkannya kebijakan dan pelaksanaan pemberian pinjaman secara konsisten. Untuk kredit produktif, Bank dan entitas anak menggunakan model Internal Credit Risk Rating untuk menganalisis risiko bisnis dan finansial dari debitur secara obyektif dan memberikan rating kepada nasabahnya. Selain itu, Bank dan entitas anak juga menggunakan Credit Risk Capital Allocation and Pricing untuk mengkuantifikasi risiko kredit dan menentukan harga yang sesuai berdasarkan risiko kredit.

The Bank’s and subsidiries’ credit system and procedures have been formalized to ensure consistent implementation and policy in credit approval. For productive loans, the Bank uses the Internal Credit Risk Rating model to analyze the business and financial risks of debtors objectively and to give ratings to debtors. In addition, the Bank and subsidiaries also use Credit Risk Capital Allocation and Pricing in quantifying credit risk and determining the appropriate pricing.

Untuk kredit konsumtif maupun produktif, Bank dan entitas anak menggunakan model Internal Credit Scoring untuk menganalisis dan menghitung risiko dari pemberian kredit kepada konsumer.

For both consumer loans and productive loans, the Bank and subsidiaries use the internal Credit Scoring model to analyze and calculate the credit risk for consumer.

Dalam rangka menerapkan prinsip pemberian kredit yang sehat, Bank dan entitas anak menerapkan prinsip Four Eyes (pengambilan keputusan kredit yang dilakukan oleh dua orang atau lebih) pada setiap kantor cabang dengan penggunaan Credit Scoring dan Credit Reviewer.

To implement a healthy credit granting process, the Bank and subsidiaries apply the Four Eyes Principle (credit decision-making by two persons or more) at each branch office by using Credit Scoring and Credit Reviewer.

Berikut ini adalah rasio kredit bermasalah/ non-performing loans (NPL) dan rasio kualitas aset produktif Bank dan entitas anak (konsolidasi) pada tanggal-tanggal 31 Desember 2014 dan 2013:

The following are the non-performing loans (NPL) ratios and the earnings asset quality ratio of the Bank and subsidiaries (consolidated) as of December 31, 2014 and 2013:

    

 

Rasio NPL-bruto Rasio NPL-neto Rasio kualitas aset produktif (tidak diaudit)



 

4,29% 1,28% 3,31%

ϯ 2,76% 0,68% 1,86%

NPL ratio - gross NPL ratio - net Earnings assets quality ratio (unaudited)

Rasio kualitas aset produktif merupakan rasio aset yang diklasifikasikan sebagai non-performing dibandingkan dengan jumlah aset produktif.

Earnings asset quality ratio is the ratio of assets classified as non-performing to total earning assets.

Sistem pengelolaan manajemen risiko kredit Bank dan entitas anak telah dibakukan dalam suatu Pedoman Perusahaan (PP) dan dikaji secara periodik.

The Bank and subsidiaries credit risk management system has been standardized in the Bank’s Guidelines (PP) and reviewed periodically.

155 bank bjb Annual Report 2014

773

The original consolidated financial statements included herein are in the Indonesian language.

 

774

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.2.5(',7 ODQMXWDQ (i)



 &5(',75,6. FRQWLQXHG (i)

Analisa eksposur maksimum terhadap risiko kredit setelah memperhitungkan dampak agunan dan mitigasi risiko kredit lainnya:

Analysis on maximum exposures against credit risks considering the impact of collateral and other credit risks mitigation:

Nilai tercatat dari aset keuangan Bank selain kredit yang diberikan menggambarkan eksposur maksimum atas risiko kredit.

The carrying value of the Bank’s financial assets other than loans represents its maximum exposure to credit risk.

Bank menetapkan jenis dan nilai agunan yang dijaminkan sesuai skema kredit dan perkiraan tingkat risiko kredit dari counterparty sebagai second way out yang ditetapkan. Jenis dari agunan terdiri dari:

The Bank determined the type and value of collateral according to the loan scheme as well as estimated credit risk level from the counterparty as a determined second way out. The types of collateral are as follows:

a)

Physical collateral, berupa tanah dan bangunan.

a)

Physical collateral, such as land and buildings.

b)

Financial collateral, berupa simpanan (tabungan, giro dan deposito), surat berharga, dan lain-lain.

b)

Financial collateral, such as third party funds (saving deposits, demand deposits and time deposits), securities, etc.

c)

Lainnya berupa garansi, penjamin, dan lain-lain.

c)

Others, such as guarantees, guarantee institution, etc.

lembaga

Pemberian kredit yang dilaksanakan oleh Bank diatur dalam kebijakan dan prosedur perkreditan dimana untuk setiap jenis atau skema kredit telah ditentukan agunan minimal yang harus dipenuhi.

The loan granting conducted by the Bank is stipulated in the loan policy and procedure in which every loan type or scheme has minimum determinable collaterals that should be fulfilled.

Untuk segmen kredit komersial, sesuai ketentuan perkreditan wajib dijamin oleh agunan yang memadai. Agunan dapat berupa physical collateral, financial collateral atau lainnya berupa tagihan usaha atau garansi. Untuk seluruh agunan khususnya physical collateral akan dilakukan retaksasi dimana nilai likuidasi atas agunan tersebut yang akan dipergunakan dalam menentukan kecukupan nilai agunan (coverage ratio).

For commercial loans segment, according to the loan policy has to be collateralized adequately. The collaterals can be physical collateral, financial collateral or others such as accounts receivable or guarantees. All collaterals particularly for physical collateral will be assessed in which the collateral’s liquidation value will be use in determining the coverage ratio.

Selain aspek agunan untuk meminimalkan risiko kredit, pemberian kredit oleh Bank selalu dilakukan berdasarkan evaluasi dan analisa kelayakan sehingga kemampuan pengembalian kredit (first way out) dapat dipastikan.

In addition collateral aspect to minimize credit risk, loan granting is conducted based on evaluation and feasibility analysis so that the loan repayment ability (first way out) can be ascertained.

Adanya keharusan bagi debitur untuk memenuhi agunan yang dipersyaratkan, evaluasi atas kelayakan kredit, pengikatan kredit secara legal dan prosedur pre screening akan menurunkan credit risk eksposur Bank ke tingkat yang layak dan dapat diterima.

The necessity for debtors to comply with collaterals requirement, loan feasibility evaluation, notarial agreement and pre screening procedures will decrease the Bank’s credit risk exposure to the acceptable level.

156 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG

Manajemen yakin akan kemampuan Bank dan entitas anak untuk mengendalikan dan memelihara eksposur risiko kredit yang berasal dari kredit yang diberikan berdasarkan hal-hal sebagai berikut:

Management believes on the Bank’s and subsidiaries’ abilities to control and maintain their credit risk exposure arising from loans based on the following:

%

Bank dan entitas anak telah memiliki pedoman tertulis mengenai kebijakan dan proses kredit yang mencakup seluruh aspek pemberian kredit yang dilakukan. Setiap pemberian kredit harus senantiasa mengacu pada kebijakan tersebut.

%

The Bank and subsidiaries have written guidelines regarding credit policies and processes that cover all aspects of loans granted. Each granting of credit should always refer to such policy.

%

Bank dan entitas anak telah memiliki sistem deteksi dini permasalahan melalui ”early warning system” dan pemantauan yang disiplin.

%

The Bank and subsidiaries have an early problem detection system through ‘early warning system’ and disciplined monitoring. 

(ii) Concentration of consolidated financial asset risk with credit risk exposure

(ii) Konsentrasi risiko aset keuangan konsolidasi dengan eksposur risiko kredit a)

a) Geographic sector

Sektor geografis

The following tables describe the details of the Bank's and subsidiaries credit exposures at the carrying amount (without calculating collateral or other credit support), which are categorized according to geographic areas as of December 31, 2014 and 2013. This table displays that the Bank and subsidiaries have identified exposure by geographical area where they are operating.

Tabel berikut menggambarkan rincian eksposur kredit Bank dan entitas anak pada nilai tercatat (tanpa memperhitungkan agunan atau pendukung kredit lainnya), yang dikategorikan berdasarkan area geografis pada tanggal 31 Desember 2014 dan 2013. Untuk tabel ini Bank dan entitas anak telah mengalokasikan eksposur area berdasarkan wilayah geografis tempat mereka beroperasi. 















Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat-surat berharga Efek-efek yang dibeli dengan janji dijual kembali Wesel Ekspor dan tagihan lainya Tagihan akseptasi Kredit yang diberikan dan pembiayaan syariah Penyertaan saham Bunga yang masih akan diterima Asset lain-lain*) Total kotor

  -DZD

'HVHPEHU'HFHPEHU

  6XPDWHUD 

 .DOLPDQWDQ   6XODZHVL 



%DOL

 

*)

7RWDO Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities

5.177.942

-

-

-

-

5.177.942

125.791

2.684

118

6

5

128.604

3.964.263 7.125.371

415.000 -

270.000 -

115.000 -

-

4.764.263 7.125.371

568.461

-

-

-

-

568.461

19.555 8.191

10.244

-

-

-

52.449.990 31.984

944.223 -

334.942 -

124.340 -

163.619 -

54.017.114 31.984

Loans and sharia financing Investment in shares

442.238 9.533

6.717 -

2.148 7

660 -

879 -

452.642 9.540

Interest receivables Other assets*)

69.923.319

1.378.868

607.215

240.006

164.503

72.313.911

Total - gross

(1.695.436)

Allowance for impairment losses



7RWDOQHW

Cadangan kerugian penurunan nilai 7RWDOQHWR

775



 





 

Terdiri dari setoran jaminan



*)



 

Marketable securities purchased under agreement to resell Bills 19.555 and other receivable 18.435 Acceptances receivable

Consists of security deposits

157 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

776



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (ii)

(ii) Konsentrasi risiko aset keuangan konsolidasi dengan eksposur risiko kredit (lanjutan)

a)

Concentration of asset risk with (continued)

a)

Sektor geografis (lanjutan)

consolidated financial credit risk exposure

Geographic sector (continued)

  















Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat-surat berharga Wesel Ekspor dan tagihan lainya Tagihan akseptasi Kredit yang diberikan dan pembiayaan syariah Penyertaan saham Bunga yang masih akan diterima Asset lain-lain*) Total kotor

  -DZD



  6XPDWHUD 

'HVHPEHU'HFHPEHU  .DOLPDQWDQ   6XODZHVL 



%DOL

 

4.454.108

-

-

-

-

4.454.108

176.299

162

506

7

5

176.979

2.577.314 10.291.810

-

52.023 -

-

-

2.629.337 10.291.810

44.721 31.235

-

-

-

2.000

44.721 33.235

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Bills and other receivable Acceptances receivable

47.858.524 31.984

589.019 -

202.174 -

115.796 -

136.827 -

48.902.340 31.984

Loans and sharia financing Investment in shares

412.477 9.651

3.534 -

1.185 7

463 -

701 1

418.360 9.659

Interest receivables Other assets*)

65.888.123

592.715

255.895

116.266

139.534

66.992.533

Total - gross

(1.089.626)

Allowance for impairment losses



7RWDOQHW

Cadangan kerugian penurunan nilai 7RWDOQHWR

*)

7RWDO



 





 



Terdiri dari setoran jaminan



*)

 

Consists of security deposits

Credit risk exposure on the consolidated administrative accounts are as follows:

Eksposur risiko kredit atas rekening administratif konsolidasian adalah sebagai berikut:  















Rekening Administratif Irrevocable letters of credit yang masih berjalan Garansi yang diberikan 7RWDO 



  -DZD



  6XPDWHUD 

60.859 914.834

10.386 349.612

 



 



'HVHPEHU'HFHPEHU  .DOLPDQWDQ   6XODZHVL 



34.126

4.111 -

 





%DOL



 

7RWDO

-

75.356 1.298.572

 



Administrative Accounts Outstanding irrevocable letters of credit Guarantees issued 7RWDO

 















Rekening Administratif Irrevocable letters of credit yang masih berjalan Garansi yang diberikan 7RWDO 

-DZD

  6XPDWHUD 

88.710 996.910 

 

'HVHPEHU'HFHPEHU  .DOLPDQWDQ   6XODZHVL 

65.835 279.861 



24.032

1.266 12.735

 



158 bank bjb Laporan Tahunan 2014





%DOL

 

7RWDO

-

155.811 1.313.538

 



Administrative Accounts Outstanding irrevocable letters of credit Guarantees issued 7RWDO

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (ii)

(ii) Konsentrasi risiko aset keuangan konsolidasi dengan eksposur risiko kredit (lanjutan)

Concentration of asset risk with (continued)

The following tables describe the details of the Bank's and subsidiaries’ credit exposures at the carrying amount (without calculating the collateral or other credit support), which are categorized by industry sector.

Tabel berikut menggambarkan rincian eksposur kredit Bank dan entitas anak pada nilai tercatat (tanpa memperhitungkan agunan atau pendukung kredit lainnya), yang dikategorikan berdasarkan sektor industri.  





      

      







 

 3HPHULQWDK  WHUPDVXN    %DQN    ,QGRQHVLD    *RYHUQPHQW  LQFOXGLQJ%DQN   ,QGRQHVLD   

Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Tagihan akseptasi Kredit yang diberikan dan pembiayaan syariah Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*) Total kotor



'HVHPEHU'HFHPEHU      

     %DQN

     

     

/HPEDJD NHXDQJDQ  EXNDQEDQN 1RQEDQN  ILQDQFLDO  LQVWLWXWLRQV 

   3HUXVDKDDQ   ODLQQ\D   2WKHU   &RPSDQLHV 





      3HUVHRUDQJDQ  ,QGLYLGXDOV 

   

 

 



      

      

Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Wesel ekspor dan tagihan lainnya Tagihan akseptasi





 7RWDO





-

-

-

-

5.177.942

-

128.604

-

-

-

128.604

2.792.247 6.084.734

1.942.584 425.814

504.823

29.432 110.000

-

4.764.263 7.125.371

568.461

-

-

-

-

568.461

-

19.555 -

-

18.435

-

19.555 18.435

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Marketable securities purchased under agreements to resell Bills and other receivables Acceptances receivable

2.564.492 -

302.913 11.984

1.956.989 20.000

2.164.289 -

47.028.431 -

54.017.114 31.984

Loans and sharia financing Investment in shares

17.935 -

1.458 -

11.019 -

6.206 9.540

416.024 -

452.642 9.540

Interest receivables Other assets*)

17.205.811

2.832.912

2.492.831

2.337.902

47.444.455

72.313.911

Total - gross

(1.695.436)

Allowance for impairment losses







5.177.942

Cadangan kerugian penurunan nilai 7RWDOQHWR

consolidated financial credit risk exposure

(b) Industry Sector

(b) Sektor industri



777

 

 

.



 

 3HPHULQWDK  WHUPDVXN    %DQN    ,QGRQHVLD    *RYHUQPHQW  LQFOXGLQJ%DQN   ,QGRQHVLD   



 

 

 

    'HVHPEHU'HFHPEHU    

     %DQN

     

     

/HPEDJD NHXDQJDQ  EXNDQEDQN 1RQEDQN  ILQDQFLDO  LQVWLWXWLRQV 

   3HUXVDKDDQ   ODLQQ\D   2WKHU   &RPSDQLHV 





      3HUVHRUDQJDQ  ,QGLYLGXDOV 

   



7RWDOQHW





 7RWDO





4.454.108

-

-

-

-

4.454.108

-

176.979

-

-

-

176.979

1.668.402 9.195.570

960.935 452.239

501.992

142.009

-

2.629.337 10.291.810

-

44.721 -

-

33.235

-

44.721 33.235

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Bills and other receivables Acceptances receivable

159 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

778

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (ii)

(ii) Konsentrasi risiko aset keuangan konsolidasi dengan eksposur risiko kredit (lanjutan)







      

      





 

 

 3HPHULQWDK  WHUPDVXN    %DQN    ,QGRQHVLD    *RYHUQPHQW  LQFOXGLQJ%DQN   ,QGRQHVLD   

Kredit yang diberikan dan pembiayaan syariah Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*) Total kotor



'HVHPEHU'HFHPEHU    

     %DQN

     

     

/HPEDJD NHXDQJDQ  EXNDQEDQN 1RQEDQN  ILQDQFLDO  LQVWLWXWLRQV 

 

   3HUXVDKDDQ   ODLQQ\D   2WKHU   &RPSDQLHV 

 

      3HUVHRUDQJDQ  ,QGLYLGXDOV 

   

*)





 7RWDO





2.620.872 -

99.993 11.984

1.274.940 20.000

2.162.123 -

42.744.412 -

48.902.340 31.984

Loans and sharia financing Investment in shares

6.604 -

1.123 -

22.182 -

38.559 9.659

349.892 -

418.360 9.659

Interest receivables Other assets*)

17.945.556

1.747.974

1.819.114

2.385.585

43.094.304

66.992.533

Total - gross

Cadangan kerugian penurunan nilai 7RWDOQHWR

consolidated financial credit risk exposure

(b) Industry Sector (continued)

(b) Sektor industri (lanjutan) 

Concentration of asset risk with (continued)



 

 

.

 

 

 

(1.089.626)

Allowance for impairment losses



7RWDOQHW

Terdiri dari setoran jaminan

*)

Eksposur risiko kredit atas rekening administratif konsolidasian adalah sebagai berikut:

Credit risk exposure on the consolidated administrative accounts are as follows:









      

      









7RWDO 











      

      

  

 3HPHULQWDK  WHUPDVXN    %DQN    ,QGRQHVLD     *RYHUQPHQW  LQFOXGLQJ%DQN   ,QGRQHVLD   

5HNHQLQJ$GPLQLVWUDWLI Irrevocable letters of credit yang masih berjalan Garansi yang diterbitkan



 









7RWDO 





'HVHPEHU'HFHPEHU    

    %DQN %DQNV

 

 

     

180.640

 



  

 

     

/HPEDJD NHXDQJDQ  EXNDQEDQN 1RQEDQN  ILQDQFLDO  LQVWLWXWLRQV 

 

-

 3HPHULQWDK  WHUPDVXN    %DQN    ,QGRQHVLD     *RYHUQPHQW  LQFOXGLQJ%DQN   ,QGRQHVLD   

5HNHQLQJ$GPLQLVWUDWLI Irrevocable letters of credit yang masih berjalan Garansi yang diterbitkan

 

 

     

     

9.036

 



   

 

 7RWDO 7RWDO

75.356 1.046.085

-

 

 

 



 

   3HUXVDKDDQ   ODLQQ\D   2WKHU   &RPSDQLHV 





      3HUVHRUDQJDQ  ,QGLYLGXDOV 

   

 

 

7RWDO



  7RWDO

 $GPLQLVWUDWLYH$FFRXQWV Outstanding irrevocable letters of credit Guarantees issued

77.699

155.811 828.678

396.507

155.811 1.313.538

 

 

 



160 bank bjb Laporan Tahunan 2014

      3HUVHRUDQJDQ  ,QGLYLGXDOV 



-

 





 $GPLQLVWUDWLYH$FFRXQWV Outstanding irrevocable 75.356 letters of credit 1.226.725 Guarantees issued

/HPEDJD NHXDQJDQ  EXNDQEDQN 1RQEDQN  ILQDQFLDO  LQVWLWXWLRQV 

 

1.618



 

'HVHPEHU'HFHPEHU    

     %DQN

 

   3HUXVDKDDQ   ODLQQ\D   2WKHU   &RPSDQLHV 

 



Consists of security deposits

7RWDO

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.2.5(',7 ODQMXWDQ



 &5(',75,6. FRQWLQXHG (iii) Information about impaired and not impaired financial assets

(iii) Informasi mengenai aset keuangan yang mengalami dan tidak mengalami penurunan nilai

1. Current Accounts with Other Banks

1. Giro pada Bank Lain 











 

 

 

 

 

7LGDNPHQJDODPL  0HQJDODPL  SHQXUXQDQQLODL  SHQXUXQDQQLODL  1RW,PSDLUHG ,PSDLUHG

Rupiah Mata Uang Asing Total

  

'HVHPEHU'HFHPEHU

62

44.138 84.466

Rupiah Foreign currencies

128.542

62

128.604

Total

(62)

(62)

Allowance for impairment losses





1HWR

















 

 

 

 

 

7LGDNPHQJDODPL  0HQJDODPL  SHQXUXQDQQLODL  SHQXUXQDQQLODL  1RW,PSDLUHG ,PSDLUHG

 

  





1HW

'HVHPEHU'HFHPEHU

7RWDO

91

36.490 140.489

Rupiah Foreign currencies

Total

176.888

91

176.979

Total

1HWR





(91)

 



(91) 

  



Allowance for impairment losses 

1HW

2. Placement with Bank Indonesia and other Banks

Penempatan pada Bank Indonesia dan Bank Lain













 

 

 

 

 

7LGDNPHQJDODPL  0HQJDODPL  SHQXUXQDQQLODL  SHQXUXQDQQLODL  1RW,PSDLUHG ,PSDLUHG

'HVHPEHU'HFHPEHU

7RWDO

Rupiah Mata Uang Asing

4.702.338 61.925

-

4.702.338 61.925

Rupiah Foreign currencies

Total

4.764.263

-

4.764.263

Total

(3.154)

-

 



Cadangan kerugian penurunan nilai 



36.490 140.398

2.





Rupiah Mata Uang Asing

Cadangan kerugian penurunan nilai 

7RWDO

44.138 84.404

Cadangan kerugian penurunan nilai



1HWR



779



(3.154) 



Allowance for impairment losses 

1HW

161 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

780



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (iii) Information about impaired and not impaired financial assets (continued)

(iii) Informasi mengenai aset keuangan yang mengalami dan tidak mengalami penurunan nilai (lanjutan) 2.

2. Placement with Bank Indonesia and other Banks (continued)

Penempatan pada Bank Indonesia dan Bank Lain (lanjutan)

 

 

 

 

 

 

 

 

 

 

 

7LGDNPHQJDODPL  0HQJDODPL  SHQXUXQDQQLODL  SHQXUXQDQQLODL  1RW,PSDLUHG ,PSDLUHG

  



7RWDO

Rupiah Mata Uang Asing

2.629.337 -

-

2.629.337 -

Rupiah Foreign currencies

Total

2.629.337

-

2.629.337

Total

-

(352)

Allowance for impairment losses

Cadangan kerugian penurunan nilai 

'HVHPEHU'HFHPEHU

(352)

1HWR





 







1HW



3. Marketable Securities

3. Surat Berharga Per 31 Desember 2014 dan 2013, aset keuangan ini tidak mengalami penurunan nilai,

As of December 31, 2014 and 2013, these financial assets are not impaired. 4. Bills and other receivables

4. Wesel eskpor dan tagihan lainnya Per 31 Desember 2014 dan 2013, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif,

As of December 31, 2014 and 2013, these financial assets are not impaired individually as well as collectively.

5. Kredit yang diberikan

5. Loans

Ikhtisar kredit yang diberikan adalah sebagai berikut:

The details of loans are as follows:

 

        



   



  











'HVHPEHU'HFHPEHU 

  %HOXPMDWXKWHPSRGDQ    WLGDNPHQJDODPLSHQXUXQDQ    QLODLQHLWKHUSDVWGXH     QRULPSDLUHG                   7LQJNDW    7LQJNDW7LQJJL  VWDQGDU     +LJK*UDGH  6WDQGDUGJUDGH       Kredit yang diberikan dan piutang/ pembiayaan syariah Perdagangan 2.492.257 Jasa-jasa dunia usaha 2.543.234 Konstruksi 2.541.872 Pengangkutan dan gudang 230.530 Industri 1.356.698 Jasa-jasa sosial 389.901 Pertanian 514.544 Listrik, gas dan air 334.804 Pertambangan 63.365 Lain-lain 28.783.880 10.723.444 7RWDO







 



Cadangan kerugian penurunan nilai 1HWR





















  













   

   

 





162 bank bjb Laporan Tahunan 2014











     

1.283.704 167.851 106.866 137.848 198.567 43.927 324.654 539 5.702 822.758



 0HQJDODPL    SHQXUXQDQ    QLODL    ,PSDLUHG     



  







116.028 209.421 258.245 143.219 66.550 5.792 64.097 3.507 5.661 77.649





  







   7RWDO

  

3.891.989 2.920.506 2.906.983 511.597 1.621.815 439.620 903.295 338.850 74.728 40.407.731



 









 



-DWXKWHPSR  GDQWLGDN  PHQJDODPL SHQXUXQDQ  QLODL  3DVWGXH  EXWQRW  ,PSDLUHG 

 





 





(1.687.984)



 

 Loans and sharia financing/receivables Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity, gas and water Mining Others



7RWDO 

Allowance for impairment losses 1HW

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH






 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (iii) Information about impaired and not impaired financial assets (continued)

(iii) Informasi mengenai aset keuangan yang mengalami dan tidak mengalami penurunan nilai (lanjutan)

5. Loans (lanjutan)

5. Kredit yang diberikan (lanjutan) 

 

       

       





 



  



Pengangkutan dan gudang Industri Jasa-jasa sosial Pertanian Listrik, gas dan air Pertambangan Lain-lain 7RWDO

 



 



 



Cadangan kerugian penurunan nilai 1HWR

'HVHPEHU'HFHPEHU    

                7LQJNDW  7LQJNDW7LQJJL  VWDQGDU   +LJK*UDGH  6WDQGDUGJUDGH

Kredit yang diberikan dan piutang/ pembiayaan syariah Perdagangan Jasa-jasa dunia usaha Konstruksi

  

 

 %HOXPMDWXKWHPSRGDQ  WLGDNPHQJDODPLSHQXUXQDQ  QLODLQHLWKHUSDVWGXH   QRULPSDLUHG 

   

 

 



-DWXKWHPSR  GDQWLGDN  PHQJDODPL SHQXUXQDQ  QLODL  3DVWGXH  EXWQRW  ,PSDLUHG 



     

 0HQJDODPL    SHQXUXQDQ    QLODL    ,PSDLUHG   





   7RWDO

 



3.485.011 3.404.621 1.862.377

1.132.197 200.984 138.558

108.990 106.244 158.117

4.726.198 3.711.849 2.159.052

25.772.096

236.737 1.229.767 328.383 829.777 352.418 121.247 8.162.263

153.800 245.007 36.737 153.473 5.177 6.726 563.482

4.662 6.990 7.971 57.701 4.262 2.753 23.812

395.199 1.481.764 373.091 1.040.951 361.857 130.726 34.521.653

 

   





  



 

 





 

 

 

 

 

-





781

 



 





  







 

 





  







 

 





Loans and sharia financing/receivables Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity, gas and water Mining Others





7RWDO

(1.081.614)

Allowance for impairment losses



1HW











Bank melakukan penilaian secara individual untuk: (a) kredit dengan plafon di atas Rp1 miliar dengan kolektibilitas kurang lancar, diragukan dan macet; dan (b) kredit yang direstrukturisasi.

The Bank assesses individually for: (a) loans with principal above Rp1 billion which are classified as substandard, doubtful and loss, and (b) restructured loans.

Penilaian secara kolektif dilakukan untuk kredit dengan plafon di bawah Rp1 miliar dengan kolektibilitas lancar dan dalam perhatian khusus serta tidak direstrukturisasi.

Collective assessment is applied to loans with principal below Rp1 billion which are classified as current and specific and is not restructured.

163 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

782

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH






 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (iv) The tables below show the quality of financial assets by class of assets for all financial assets with credit risk (gross of allowance for impairment losses)

(iv) Tabel di bawah menunjukkan kualitas aset keuangan berdasarkan golongan aset untuk semua aset keuangan yang mempunyai risiko kredit, nilai yang disajikan adalah bruto  



        

         1LODLZDMDUPHODOXL ODSRUDQODEDUXJL Surat berharga







'HVHPEHU'HFHPEHU 

 %HOXPMDWXKWHPSRGDQ  WLGDNPHQJDODPLSHQXUXQDQ  QLODLQHLWKHUSDVWGXH   QRULPSDLUHG 



   

 







    7LQJNDW7LQJJL  +LJK*UDGH        

        7LQJNDW   VWDQGDU  6WDQGDUGJUDGH  

    712.455

-

  6.412.916

-





-DWXKWHPSR  GDQWLGDN  PHQJDODPL SHQXUXQDQ  QLODL  3DVWGXH  EXWQRW  ,PSDLUHG 

   









     

 0HQJDODPL    SHQXUXQDQ    QLODL    ,PSDLUHG     

    -

   7RWDO

  



    -

  712.455

)DLUYDOXHWKURXJK SURILWRUORVV Marketable securities

 

 6.412.916

+HOGWRPDWXULWL\ Marketable securities

   

  5.177.942

/RDQVDQGUHFHLYDEOHV Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities purchased under agreements to resell Bills and other receivable Acceptance receivables Investment in shares

 'LPLOLNLKLQJJDMDWXKWHPSR Surat berharga

 

.UHGLWGDQSLXWDQJ   Giro pada bank Indonesia

   

 

  -

-

       

Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Tagihan akseptasi Penyertaan saham Kredit yang diberikan dan piutang/ pembiayaan syariah Perdagangan Jasa-jasa dunia usaha Konstruksi



   

  



Pengangkutan dan gudang Industri Jasa-jasa sosial Pertanian Listrik, gas dan air Pertambangan Lain-lain Bunga yang masih akan diterima Aset lain-lain*) 





7RWDO  Cadangan kerugian penurunan nilai

 





1HWR



 

*)





 

    5.177.942

    -

-

-

128.542

-

-

62

128.604

4.764.263

-

-

-

4.764.263

568.461 19.555 18.435 -

27.748

-

4.236

568.461 19.555 18.435 31.984

-

2.492.257 2.543.234 2.541.872

1.283.704 167.851 106.866

116.028 209.421 258.245

3.891.989 2.920.506 2.906.983

28.783.880

230.530 1.356.698 389.901 514.544 334.804 63.365 10.723.444

137.848 198.567 43.927 324.654 539 5.702 822.758

143.219 66.550 5.792 64.097 3.507 5.661 77.649

511.597 1.621.815 439.620 903.295 338.850 74.728 40.407.731

Loans and sharia financing/receivables Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity, gas, and water Mining Others

452.642 9.540

Interest receivables Other assets*)

9.540





  



   

452.642 -





  



 





Terdiri dari setoran jaminan

-



-



  





 



164





  

 





*)

 

bank bjb Laporan Tahunan 2014

   









(1.695.436)

7RWDO Allowance for impairment losses



1HW





Consists of guarantee deposits



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH






 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (iv) The tables below show the quality of financial assets by class of assets for all financial assets with credit risk (gross of allowance for impairment losses) (continued)

(iv) Tabel di bawah menunjukkan kualitas aset keuangan berdasarkan golongan aset untuk semua aset keuangan yang mempunyai risiko kredit (nilai yang disajikan adalah bruto) (lanjutan) 



        

         1LODLZDMDUPHODOXL ODSRUDQODEDUXJL Surat berharga







'HVHPEHU'HFHPEHU 

 %HOXPMDWXKWHPSRGDQ  WLGDNPHQJDODPLSHQXUXQDQ  QLODLQHLWKHUSDVWGXH   QRULPSDLUHG 



   

 

783







    7LQJNDW7LQJJL  +LJK*UDGH    

        7LQJNDW   VWDQGDU  6WDQGDUGJUDGH  

   

    698.253

'LPLOLNLKLQJJDMDWXKWHPSR Surat berharga

 

  9.593.557

.UHGLWGDQSLXWDQJ   Giro pada bank Indonesia

   





-DWXKWHPSR  GDQWLGDN  PHQJDODPL SHQXUXQDQ  QLODL  3DVWGXH  EXWQRW  ,PSDLUHG 







     

    -



 0HQJDODPL    SHQXUXQDQ    QLODL    ,PSDLUHG     

    -

   7RWDO

  



   

  698.253

)DLUYDOXHWKURXJK SURILWRUORVV Marketable securities

 

 9.593.557

+HOGWRPDWXULWL\ Marketable securities

 

/RDQVDQGUHFHLYDEOHV Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Bills and other receivable Acceptance receivables Investment in shares

-

   -

  -

-

       

Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Wesel ekspor dan tagihan lainnya Tagihan akseptasi Penyertaan saham Kredit yang diberikan dan piutang/ pembiayaan syariah Perdagangan Jasa-jasa dunia usaha Konstruksi Pengangkutan dan gudang Industri Jasa-jasa sosial Pertanian Listrik, gas, dan air Pertambangan Lain-lain Bunga yang masih akan diterima Aset lain-lain*)





   

   





7RWDO  Cadangan kerugian penurunan nilai

 





1HWR



 

*)



   

   

   

   

4.454.108

-

-

-

4.454.108

176.881

-

-

98

176.979

2.629.337 44.721 33.235 -

24.415

-

7.569

2.629.337 44.721 33.235 31.984

-

3.485.011 3.404.621 1.862.377

1.132.197 200.984 138.558

108.990 106.244 158.117

4.726.198 3.711.849 2.159.052

25.772.096

236.737 1.229.767 328.383 829.777 352.418 121.247 8.162.263

153.800 245.007 36.737 153.473 5.177 6.726 563.482

4.662 6.990 7.971 57.701 4.262 2.753 23.812

395.199 1.481.764 373.091 1.040.951 361.857 130.726 34.521.653

Loans and sharia financing/receivables Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity, gas, and water Mining Others

418.360 9.659

Interest receivables Other assets*)

9.659





 



 



418.360 -





 



   





 





Terdiri dari setoran jaminan

-



-



  



 





  





 





*)









(1.089.626)

7RWDO Allowance for impairment losses



1HW







Consists of guarantee deposits



Kualitas berikut:

kredit

didefinisikan

The credit quality are defined as follows:

sebagai



Tingkat tinggi

High grade

(a)

(a)



Giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain yaitu giro atau penempatan pada institusi Pemerintah, transaksi dengan bank yang memiliki reputasi baik dengan tingkat kemungkinan gagal bayar atas kewajiban yang rendah.

Current accounts with Bank Indonesia, current accounts with other banks, placements with Bank Indonesia and other banks which are current accounts or placements with the Government, transaction with reputable banks with low probability of insolvency.

165 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

784



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.2.5(',7 ODQMXWDQ



 &5(',75,6. FRQWLQXHG (iv) The tables below shows the quality of financial assets by class of assets for all financial assets with credit risk (gross of allowance for impairment losses) (continued)

(iv) Tabel di bawah menunjukkan kualitas aset keuangan berdasarkan golongan aset untuk semua aset keuangan yang mempunyai risiko kredit (nilai yang disajikan adalah bruto) (lanjutan) 

(b) Kredit yang diberikan dan piutang/pembiayaan syariah, bunga yang masih akan diterima, dan tagihan kepada pihak ketiga yaitu debitur dengan riwayat pembayaran yang sangat baik dan tidak pernah menunggak sepanjang jangka waktu kredit; debitur dengan tingkat stabilitas dan keragaman yang tinggi; memiliki akses setiap saat untuk memperoleh pendanaan dalam jumlah besar dari pasar terbuka; memiliki kemampuan membayar yang kuat dan rasio-rasio neraca yang konservatif.

(b)

Loans and sharia financing/receivables, interests receivables, and third party receivables are borrowers with very satisfactory track record of loan repayment and whose accounts did not turn past due during the term of the loan; borrowers with high degree of stability and diversity; has access to raise substantial amounts of funds through public market at any time; very strong debt service capacity and has conservative balance sheet ratios.

(c) Surat berharga dan efek-efek yang dibeli dengan janji dijual kembali yang termasuk dalam investment grade dengan rating minimal BBB- (Pefindo) atau Baa3 (Moody’s).

(c)

Marketable securities and marketable securities purhased under agreement to resell which included in investment grade securities with a rating of at least BBB- (Pefindo) or Baa3 (Moody’s).

Tingkat standar

Standard grade

(a) Giro pada Bank Indonesia, giro pada bank lain, penempatan pada Bank Indonesia dan bank lain yaitu giro atau penempatan pada bank lokal yang tidak terdaftar di bursa.

(a)

Current accounts with Bank Indonesia, current accounts with other banks, placements with Bank Indonesia and other banks are current accounts or placements with the local banks not listed in the stock exchange.

(b) Kredit yang diberikan dan piutang/ pembiayaan syariah, bunga yang masih akan diterima, dan tagihan kepada pihak ketiga yaitu debitur dengan riwayat pembayaran yang baik dan tidak pernah menunggak 90 hari atau lebih; akses terbatas ke pasar modal atau ke pasar keuangan lainnya; tingkat pendapatan dan kinerja keseluruhan tidak stabil; memiliki kemampuan membayar yang cukup.

(b)

Loans and sharia financing/receivables, interest receivables and third party receivables are borrowers who have an average track record of loan repayment and whose account did not turn past due for 90 days and over; smaller corporations with limited access to public capital markets or to alternative financial market; volatility of earnings and overall performance; debt service capacity is adequate.

(c) Surat berharga dan efek-efek yang dibeli dengan janji dijual kembali yang termasuk dalam investment grade dengan rating antara idBB+ sampai dengan idB (Pefindo) atau Ba1 sampai dengan B2 (Moody’s).

(c)

Marketable securities and marketable securities pucrchased under agreement to resell which included in investment grade securities with a rating between idBB+ to idB (Pefindo) or Ba1 to B2 (Moody’s).





166 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


785





 5,6,.2.5(',7 ODQMXWDQ  (v) Analisis umur pinjaman yang jatuh tempo tetapi tidak mengalami penurunan nilai pada tanggal 31 Desember 2014 dan 2013, sebagai berikut:

 &5(',75,6. FRQWLQXHG (v) The aging analysis of past due but not impaired loans as of December 31, 2014 and 2013, are as follows:

 



    

    

    



    

Perdagangan Jasa-jasa dunia usaha Konstruksi Pengangkutan dan gudang Industri Jasa-jasa sosial Pertanian Listrik, gas dan air Pertambangan Lain-lain 





  



7RWDO







    

    







Perdagangan Jasa-jasa dunia usaha Konstruksi Pengangkutan dan gudang Industri Jasa-jasa sosial Pertanian Listrik. gas dan air Pertambangan Lain-lain 





  



7RWDO

















 







 

 /HELKGDUL  VDPSDL    KDUL    PRUHWKDQ   WRGD\V 







7RWDO

 

KDUL 0RUHWKDQ   0RUHWKDQ   GD\V  





  7RWDO 1.132.197 200.984 138.558 153.800 245.007 36.737 153.473 5.177 6.726 563.482





Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity, gas and water Mining Others











  7RWDO

255.310 89.246 31.712 2.173 96.644 7.119 50.364 2.629 101.672







1.283.704 167.851 106.866 137.848 198.567 43.927 324.654 539 5.702 822.758





123.392 6.393 2.917 500 15.347 1.331 12.527 20 15.031







621.449 43.052 46.038 30.984 110.218 19.913 91.432 230 4.836 128.294





72.852 6.393 2.794 9.726 9.650 1.463 9.139 137 117 23.521





KDUL 0RUHWKDQ   0RUHWKDQ   GD\V  

'HVHPEHU'HFHPEHU



 /HELKGDUL    KDUL   KDUL   PRUHWKDQ   WRGD\V 





 /HELKGDUL  VDPSDL    KDUL    PRUHWKDQ   WRGD\V  91.208 8.625 6.369 346 13.662 2.464 8.916 41.288



680.643 98.952 101.135 141.401 123.366 26.824 81.443 5.040 3.960 423.258 









     VDPSDL  KDUL  WRGD\V

'HVHPEHU'HFHPEHU



66.304 5.456 5.190 85.217 8.462 4.670 6.269 220 26.798





    



 /HELKGDUL    KDUL   KDUL   PRUHWKDQ   WRGD\V 

504.743 110.718 49.269 21.301 66.225 16.880 218.037 89 866 626.378



    



     VDPSDL  KDUL  WRGD\V









Trading Business Services Construction Transportation and warehousing Industry Social services Agriculture Electricity. gas and water Mining Others 

7RWDO



 'HVHPEHU'HFHPEHU













   

     .RQVXPVL  &RQVXPHU

   

 0RGDO  .HUMD :RUNLQJ  &DSLWDO

   

     ,QYHVWDVL  ,QYHVWPHQW











Saldo awal tahun Penyisihan (pembalikan) selama tahun berjalan Penghapusbukuan kredit 6DOGRDNKLUWDKXQ Penurunan nilai individual Penurunan nilai kolektif Jumlah kotor kredit yang secara individual ditentukan sebagai mengalami penurunan nilai sebelum dikurangi kerugian penurunan nilai atas penilaian secara individual





120.531







84.234 (134)





  57.081 147.550



80.471





803.456



467.322 (33.699)





662.223







     6LQGLNDVL  6\QGLFDWHG

   

       .DU\DZDQ   (PSOR\HHV 





72.306



  403.243 833.836



   



51.196 (9.195)







15.206



  50.980 63.327





109.873

(4.328) -











324



78 -



 3URJUDP  SHPHULQWDK  *RYHUQPHQW  3URJUDPV  

7.697





13.843 -





Balance at beginning of year Provision (reversal) during the year Loans written-off



 

 



10.878 -

402

2.817 18.723

Individual impairment Collective impairment

2.817

Gross amount of loans individually determined to be impaired. before deducting any individually assessed impairment losses



94.785



-







%DODQFHDWHQGRI\HDU



167 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

786

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH






 5,6,.2.5(',7 ODQMXWDQ

 &5(',75,6. FRQWLQXHG (vi) Movements in allowance for impairment losses by type of loans as of December 31, 2014 are as follows:

(vi) Mutasi cadangan berdasarkan jenis kredit yang diberikan pada tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:

'HVHPEHU'HFHPEHU













   

     .RQVXPVL  &RQVXPHU

   

 0RGDO  .HUMD :RUNLQJ  &DSLWDO

   

     ,QYHVWDVL  ,QYHVWPHQW





Saldo awal tahun Penyisihan (pembalikan) selama tahun berjalan Penghapusbukuan kredit 

6DOGRDNKLUWDKXQ



Penurunan nilai individual Penurunan nilai kolektif Jumlah kotor kredit yang secara individual ditentukan sebagai mengalami penurunan nilai sebelum dikurangi kerugian penurunan nilai atas penilaian secara individual

















   

     6LQGLNDVL  6\QGLFDWHG

   

       .DU\DZDQ   (PSOR\HHV 





422.966

69.018

43.484

54.296 -

510.688 (130.198)

3.288 -

(28.277) -









 3URJUDP  SHPHULQWDK  *RYHUQPHQW  3URJUDPV  



366

3.598

(42) -

4.098 -



Balance at beginning of year Provision (reversal) during the year Loans written-off

 

 

 

 

 



15.941 104.590

264.385 539.071

36.006 36.300

14.470 737

324

1.493 6.203

Individual impairment Collective impairment

1.493

Gross amount of loans individually determined to be impaired. before deducting any individually assessed impairment losses

23.812

279.879

85.596

 5,6,.21,/$,78.$5

90.722

-

%DODQFHDWHQGRI\HDU

 )25(,*1(;&+$1*(5,6. Foreign exchange risk arises from Net Open Positions (NOP) in the consolidated statements of financial position and administrative account, both for assets and liabilities, which are derived from foreign currency products transactions with individual and corporate customers and from foreign currency trading on the money markets. Foreign currency trading activities include spot, forward and swap foreign currency contracts and derivatives.

Risiko nilai tukar timbul sebagai akibat adanya Posisi Devisa Neto (PDN) laporan posisi keuangan konsolidasian dan rekening administratif baik pada sisi aset maupun liabilitas yang berasal dari transaksi produk-produk mata uang asing dengan debitor individual dan perusahaan dan dari perdagangan mata uang asing di pasar uang antar bank. Kegiatan perdagangan mata uang asing meliputi transaksi nilai tukar valuta asing spot, kontrak berjangka valuta asing (forward) dan swap dan derivatif.

168 bank bjb Laporan Tahunan 2014



66.235



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.21,/$,78.$5 ODQMXWDQ



)25(,*1(;&+$1*(5,6. FRQWLQXHG 

Penerapan Manajemen risiko nilai tukar yang dijalankan oleh Bank adalah dengan melakukan pengukuran, pemantauan, dan pengendalian risiko nilai tukar secara berkala baik secara bankwide maupun parsial. Secara bankwide, bank melakukan pengukuran risiko nilai tukar melalui simulasi value at risk (var) dengan berbagai metode (Exponential Weighted Moving Average & Historical) yang disesuaikan dengan karakteristik transaksi bank.

Implementation of Forex Risk Management in Bank through a measurement, monitoring, and controlling of foreign exchange risk periodically both partial and comprehensive. comprehensively,bank measure foreign exchange risk through value at risk simulation with several methods (Exponential Weighted Moving Average & Historical) and adjusted to characteristic of transactions.

Pemantauan risiko nilai tukar dilakukan melalui pemantauan Posisi Devisa Netto (PDN) per 30 menit dan intraday, dan sebagai bentuk pengendalian risiko nilai tukar, bank membuat limit internal PDN baik untuk neraca maupun secara keseluruhan sebagai bentuk risk tolerance bank dalam menghadapi risiko nilai tukar. Sedangkan, penerapan manajemen risiko nilai tukar bank secara parsial pada aktivitas Treasuri adalah melalui pengukuran & pengendalian budget loss limit & open position untuk setiap transaksi nilai tukar dan sebagai bentuk pemantauan risiko nilai tukar bank melakukan pelaporan transaksi Treasuri sesuai dengan ketentuan secara periodik untuk memastikan bahwa exposure yang timbul oleh pergerakan nilai tukar berada pada batas yang telah ditentukan oleh ketentuan internal Bank dan sesuai dengan ketentuan regulasi Bank Indonesia.

Bank monitor Foreign exchange risk through monitoring of Net Open Position (NOP) every 30 minutes and intraday and for a foreign exchange risk control, bank establish internal limit of NOP both on balance sheet and overall as risk tolerance to foreign exchange risk. Meanwhile, Implementation of Forex Risk Management partially on Treasury activities is through measurement & control of budget loss limit & open position for every transaction and for monitoring, bank create Treasury transactions Report periodically to ensure that exposure arise from foreign exchange risk is inline within the internal bank dan Bank Indonesia Regulations.

Sesuai Peraturan Bank Indonesia No. 6/20/PBI/2004 tanggal 15 Juli 2004 sebagaimana telah diubah terakhir dengan Peraturan Bank Indonesia No. 12/10/PBI/2010 tanggal 1 Juli 2010, Bank diwajibkan memelihara PDN setinggi-tingginya 20% atas Modal Tier I dan Tier II setiap 30 menit dan akhir hari. PDN secara keseluruhan adalah angka yang merupakan penjumlahan dari nilai absolut untuk jumlah dari selisih bersih aset dan liabilitas dalam laporan posisi keuangan untuk setiap valuta asing ditambah dengan selisih bersih aset dan liabilitas baik yang merupakan komitmen maupun kontinjensi dalam rekening administratif untuk setiap valuta asing.

Based on Bank Indonesia Regulation No. 6/20/PBI/2004 dated July 15, 2004 which was amended the latest by Bank Indonesia Regulation No. 12/10/PBI/2010 dated July 1, 2010, the Bank is required to maintain its NOP at a maximum of 20% of Capital Tier I and II every 30 minutes and end of day. The overall NOP is the sum of the absolute value of the difference between each foreign currency asset and liability on the statement of financial position and the difference between commitments and contingent assets and liabilities in administrative accounts for each foreign currency.

169 bank bjb Annual Report 2014

787

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

788



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.21,/$,78.$5 ODQMXWDQ

)25(,*1(;&+$1*(5,6. FRQWLQXHG  Below is the NOP as of December 31, 2014 and 2013 by currency (in equivalent rupiah) based on Bank Indonesia regulations:

Berikut adalah PDN pada tanggal-tanggal 31 Desember 2014 dan 2013 per mata uang (dalam ekuivalen rupiah) sesuai dengan peraturan Bank Indonesia:  







0DWD8DQJ











$VHW $VVHWV





.(6(/858+$1 /$325$1326,6, .(8$1*$1'$15(.(1,1*   $'0,1,675$7,)     Dolar Amerika Serikat Euro Eropa Dolar Singapura Dolar Australia Riyal Saudi Arabia Yen Jepang Poundsterling Inggris Dolar Hong Kong Yuan Cina 7RWDO  

 

    

/LDELOLWDV /LDELOLWLHV

      384.213 9.792 7.810 2.665 116 109 585 933 2.944

 

 

3RVLVL'HYLVD 1HWR1HW 2SHQ3RVLWLRQ



  

  

  

  

289.495 746 4.005 153 2.909

94.718 9.046 3.805 2.512 116 109 585 933 35

 

 

   

 

 



 

   

 

 

 

7RWDO







384.213 9.792 7.810 2.665 116 109 585 933 2.944

289.495 746 4.005 153 2.909

 

Total modal - Desember 2014 (Catatan 52)





$**5(*$7( 67$7(0(172) ),1$1&,$/326,7,21$1' $'0,1,675$7,9($&&28176 



7RWDO

 

67$7(0(172)),1$1&,$/ 326,7,21 United States Dollar European Euro Singapore Dollar Australian Dollar Saudi Arabian Riyal Japanese Yen Great Britain Poundsterling Hong Kong Dollar Chinese Yuan



7RWDO



94.718 9.046 3.805 2.512 116 109 585 933 35



&XUUHQF\

United States Dollar European Euro Singapore Dollar Australian Dollar Saudi Arabian Riyal Japanese Yen Great Britain Poundsterling Hong Kong Dollar Chinese Yuan

/$325$1326,6,.(8$1*$1       Dolar Amerika Serikat Euro Eropa Dolar Singapura Dolar Australia Riyal Saudi Arabia Yen Jepang Poundsterling Inggris Dolar Hong Kong Yuan Cina 

 

'HVHPEHU'HFHPEHU



5.759.136

Rasio PDN (Keseluruhan)

1,94%

Rasio PDN (Laporan posisi keuangan)

1,94%

Total capital - December 2014 (Note 52)

NOP ratio (Aggregate) NOP ratio (Statement of financial position)



NOP Ratios as of December 31, 2014, based on the total capital in November 2014 (unaudited) are as follows:

Rasio PDN per 31 Desember 2014 jika menggunakan modal bulan November 2014 (tidak diaudit) adalah sebagai berikut: Total modal - November 2014 Rasio PDN (Keseluruhan)



5.815.310 1,92%

Rasio PDN (Laporan posisi keuangan)

1,92% 

170 bank bjb Laporan Tahunan 2014

Total capital - November 2014 NOP Ratio (Aggregate) NOP Ratio (Statement of financial position)



The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.21,/$,78.$5 ODQMXWDQ 









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.(6(/858+$1 /$325$1326,6, .(8$1*$1'$15(.(1,1*   $'0,1,675$7,)     Dolar Amerika Serikat Euro Eropa Dolar Singapura Dolar Australia Riyal Saudi Arabia Yen Jepang Poundsterling Inggris Dolar Hong Kong Yuan Cina 7RWDO   

 

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      1.264.137 26.123 22.924 2.258 136 91 1.527 933 1.311

 

 

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1.296.950 1.202 21.542 48 165 1.101

32.813 24.921 1.382 2.210 136 91 1.362 933 210

 

   

 

 



/$325$1326,6,.(8$1*$1       Dolar Amerika Serikat Euro Eropa Dolar Singapura Dolar Australia Riyal Saudi Arabia Yen Jepang Poundsterling Inggris Dolar Hong Kong Yuan Cina

 

   

  1.296.950 1.202 21.542 48 165 1.101

 

7RWDO











1.081.587 26.123 22.924 2.258 136 91 1.527 922 1.131  

7RWDO

  (215.363) 24.921 1.382 2.210 136 91 1.362 922 30

 

67$7(0(172)),1$1&,$/ 326,7,21 United States Dollar European Euro Singapore Dollar Australian Dollar Saudi Arabian Riyal Japanese Yen Great Britain Poundsterling Hong Kong Dollar Chinese Yuan





7RWDO

5.340.417

1,20%

Rasio PDN (Laporan posisi keuangan) 

3,45%

Total modal - November 2013 Rasio PDN (Keseluruhan)

5.276.643 1,21%

Rasio PDN (Laporan posisi keuangan)



   

   

   





Dolar Amerika Serikat





    

NOP ratio (Aggregate) NOP ratio (Statement of financial position)

Total capital - November 2013 NOP Ratio (Aggregate) NOP Ratio (Statement of financial position)

3,49%

Foreign currency risk is the probability of loss to earnings arising from changes in foreign exchange rates. The Bank manages exposure to effects of fluctuations in foreign currency exchange rates by maintaining foreign currency exposure within the existing regulatory guidelines (i.e maintaining the Net Open Position based on Bank Indonesia regulations) (unaudited).

Risiko mata uang adalah kemungkinan kerugian pendapatan yang timbul dari perubahan kurs valuta asing. Bank mengelola paparan terhadap pengaruh fluktuasi nilai tukar mata uang asing dengan mempertahankan risiko mata uang asing dalam pedoman peraturan yang ada (yakni menjaga Posisi Devisa Neto sesuai dengan peraturan Bank Indonesia) (tidak diaudit). 

Total capital - December 2013 (Note 52)

NOP Ratios as of December 31, 2013, based on the total capital in November 2013 (unaudited) are as follows:

Rasio PDN per 31 Desember 2013 jika menggunakan modal bulan November 2013 (tidak diaudit) adalah sebagai berikut:





Rasio PDN (Keseluruhan)





$**5(*$7( 67$7(0(172) ),1$1&,$/326,7,21$1' $'0,1,675$7,9($&&28176 



Total modal - Desember 2013 (Catatan 52)



&XUUHQF\

United States Dollar European Euro Singapore Dollar Australian Dollar Saudi Arabian Riyal Japanese Yen Great Britain Poundsterling Hong Kong Dollar Chinese Yuan

 



 

 )25(,*1(;&+$1*(5,6. FRQWLQXHG 



789

'HVHPEHU'HFHPEHU    

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0,30% 0,35%

 3HQJDUXKNH ODSRUDQODEDUXJL  &KDQJHVLQ VWDWHPHQWRI,QFRPH  10.161 (14)

United States Dollar

171 bank bjb Annual Report 2014



The original consolidated financial statements included herein are in the Indonesian language.

 

790

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.21,/$,78.$5 ODQMXWDQ



 )25(,*1(;&+$1*(5,6. FRQWLQXHG

Sensitivitas atas laporan laba rugi konsolidasian merupakan dampak yang diestimasi atas perubahan yang diasumsikan atas perubahan nilai tukar berdasarkan aset dan liabilitas keuangan yang dalam mata uang asing.

The sensitivity of the consolidated statements of income is the estimated effect of the assumed change in foreign exchange rates on income, based on foreign currency denominated assets and liabilities.

Pada tanggal 31 Desember 2014 dan 2013, dampak atas perubahan nilai tukar dari mata uang lainnya seperti Poundsterling Inggris, Euro Eropa, Yen Jepang, Dolar Singapura, Dolar Australia dan Dolar Hong Kong tidak material.

As of December 31, 2014 and 2013, the effect of fluctuations in exchange rates of other currencies, such as Great Britain Poundsterling, European Euro, Japanese Yen, Singapore Dollar, Australian Dollar and Hong Kong Dollar, not material.

 5,6,.2/,.8,',7$6

 /,48,',7<5,6.

Risiko terjadinya kerugian yang merupakan akibat dari adanya kesenjangan antara sumber pendanaan yang pada umumnya berjangka pendek dan aktiva yang pada umumnya berjangka panjang. Besar kecilnya risiko likuiditas ditentukan antara lain:

The risk of loss resulting from the gap between short-term funding and long-term assets. The size of the liquidity risk is determined, i.e:

a.

Kecermatan dalam perencanaan arus kas atau arus dana berdasarkan prediksi pembiayaan dan prediksi pertumbuhan dana, termasuk mencermati tingkat fluktuasi dana;

a.

Accuracy in cash flow or flow of fund planning based on financing and fund growth prediction, include observe the fund rate volatility;

b.

Ketepatan dalam mengatur struktur dana termasuk kecukupan dana;

b.

The precision in managing the fund structure, including the adequacy of funding;

c.

Ketersediaan aset yang siap dikonversikan menjadi kas;

c.

The availability of asset that is ready to be converted into cash;

d.

Kemampuan menciptakan akses ke pasar antar bank atau sumber dana lainnya, termasuk fasilitas lender of last resort.

d.

Ability to create access to the interbank market or other funding sources, including the lender of last resort facilities.

172 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
 5,6,.2/,.8,',7$6 ODQMXWDQ



 /,48,',7<5,6. FRQWLQXHG

Apabila kesenjangan tersebut cukup besar maka akan menurunkan kemampuan Bank dan entitas anak untuk memenuhi kewajibannya pada saat jatuh tempo. Oleh karena itu untuk mengantisipasi terjadinya risiko likuiditas, maka diperlukan manajemen likuiditas, yang merupakan bagian dari pengelolaan liabilitas.

If the gap is large enough it will reduce the Bank’s and subsidiaries’ ability to meet its liabilities at maturity. Therefore, liquidity management is needed to anticipate liquidity risk, which is a part of the management liability.

Kebijakan likuiditas Bank dan entitas anak ditujukan untuk memastikan bahwa kebutuhan dana dapat dipenuhi, baik untuk membayar deposito pada saat jatuh tempo atau untuk memenuhi fasilitas kredit yang belum digunakan.

The Bank’s and subsidiaries’ liquidity policies are aimed to ensuring that fund requirements can be fulfilled, either to pay time deposits at maturity or to fulfill unused loan facility.

Pengelolaan dan pemantauan posisi likuiditas Bank berada dalam tanggung jawab Bagian Manajemen ALM & Likuiditas di Divisi Treasury sedangkan pengukuran serta analisa terhadap kondisi likuiditas menjadi tugas Divisi Manajemen Risiko diantaranya stress test likuiditas berdasarkan tiga skenario dan pembuatan profil risiko yang terkait risiko likuiditas.

Managing and monitoring the Bank’s and subsidiaries’ liquidity position is the responsibility of the Liquidity section of the Treasury Division while measuring and analysing on liquidity condition is the responsibility of the Risk Management Division include liquidity stress test based on three scenarios and preparing risk profile related to liquidity risk.

Pengelolaan kelebihan dana likuiditas yang tidak terserap penyaluran kredit, teroptimalisasi melalui pengelolaan treasury. Sebagian besar kelebihan dana likuiditas tersalurkan melalui instrumeninstrumen yang berjangka pendek dan aman. Umumnya, kondisi likuiditas bank terjaga baik dimana penarikan dana nasabah dapat terpenuhi sekaligus kelebihan dana teroptimalkan dengan imbal hasil yang optimal.

Managing the excess of liquidity fund, which are not absorbed by loans, disbursement will be optimized through managing treasury. Most of the excess of liquidity will be placed in short-term and secured instruments. In general, the Bank’s liquidity condition is well maintained where the customers withdrawal can be fulfilled while the excess fund can be optimized with optimum return.

Sumber dana dan waktu jatuh tempo deposito dikelola untuk menghindari adanya dana yang idle dan menentukan jumlah serta instrumen aset likuid yang tepat untuk menjamin tingkat likuiditas yang terkendali secara terus menerus.

Sources of funds and maturity dates of time deposits are managed to avoid idle funds and determine the appropriate liquidity level and liquid asset instrument to ensure a sustainable liquidity level.

Tabel berikut ini menggambarkan analisis jatuh tempo aset dan liabilitas keuangan Bank dan entitas anak dihitung berdasarkan sisa periode jatuh tempo kontrak pada tanggal laporan posisi keuangan:

The following tables illustrate the maturity profile analysis of the Bank’s and subsidiaries’ financial assets and liabilities according to their remaining maturity period at the consolidated statement of financial position date:

173 bank bjb Annual Report 2014

791

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

792

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH






 5,6,.2/,.8,',7$6 ODQMXWDQ

 /,48,',7<5,6. FRQWLQXHG



'HVHPEHU'HFHPEHU 7LGDN PHPSXQ\DL WDQJJDOMDWXK WHPSR 1LODLWHUFDWDW NRQWUDNWXDO &DUU\LQJ 1RFRQWUDFWXDO PDWXULW\   YDOXH

 $6(7 Kas Giro pada Bank Indonesia Giro pada bank lain - bruto Penempatan pada Bank Indonesia dan bank lain - bruto



  -

-

5.177.942

-

-

-

-

-

-

128.604

-

-

-

-

-

4.764.263

-

4.764.263

-

-

-

-

-

7.125.371

454.823

279.564

210.368

4.824.955

697.183

403.556

254.922

568.461

-

568.461

-

-

-

-

-

19.555 49.616.998 4.400.116

-

9.878 992.410 -

9.677 923.814 -

2.087.282 377.898

2.951.287 1.117.563

10.617.444 -

32.044.761 2.904.655

Tagihan akseptasi - bruto

18.435

-

12.667

5.768

-

-

-

-

Penyertaan saham - bruto Bunga yang masih akan diterima Aset lain-lain - neto*)

31.984

31.984

-

-

-

-

-

-

$66(76 Cash Current accounts with Bank Indonesia Current accounts with other banks - gross Placements with Bank Indonesia and other bank - gross Marketable securities gross Bills and marketable Bills and other receivables Loans - gross Sharia financing - gross Acceptance receivables gross Investments in shares gross

452.642 9.540

9.540

452.642 -

-

-

-

-

-

Interest receivables Other assets - net*)

75.081.589

3.264.025

12.386.431

1.149.627

7.290.135

4.766.033

11.021.000

35.204.338

Total

  1.812.382 44.294.405

  4.068.673

  4.690.063

 1.812.382 53.118.800

Simpanan nasabah syariah Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali (repo) Liabilitas akseptasi Efek hutang yang diterbitkan - neto Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain



3HUEHGDDQMDWXKWHPSR

*)

  -

 

-

 65.659

-

 

301

-

 /,$%,/,7,(6 - Obligations due immediately Deposits from customers Deposits from customerssharia - Deposits from other banks Marketable securities sold under agreement to repurchase Acceptances payable Debt securities issued - net Borrowings

-

369.090 3.281.021

5.260

2.062.916 18.435

-

2.062.916 12.667

5.768

-

-

-

1.721.901 456.490

-

453

13.665

3.288

600.511 26.237

1.121.390 412.847

121.606 766.221

121.606 766.221

-

-

-

-

-

51.832.934

4.093.366

4.715.399

692.708

1.534.237

-

(39.446.503)

(2.943.739)

2.574.736

4.073.325

9.486.763

35.204.338

887.827

11.325.118

2.376.198

Terdiri dari setoran jaminan

22.048



369.090 3.308.630

63.756.471

*)

174 bank bjb Laporan Tahunan 2014

 

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-



128.604

 



-

/,$%,/,7$6 Liabilitas segera Simpanan nasabah

5.177.942



  /HELKGDUL VDPSDL WDKXQ 0RUHWKDQ WR\HDUV

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-

Total

  2.767.678

 6DPSDL GHQJDQ EXODQ 8SWR PRQWK

-

Surat berharga - bruto Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Kredit yang diberikan - bruto Pembiayaan syariah - bruto

2.767.678



-

Consists of security deposits

Interest payables Other liabilities



0DWXULW\JDS

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 5,6,.2/,.8,',7$6 ODQMXWDQ

 /,48,',7<5,6. FRQWLQXHG



'HVHPEHU'HFHPEHU 7LGDN PHPSXQ\DL WDQJJDOMDWXK WHPSR 1LODLWHUFDWDW NRQWUDNWXDO &DUU\LQJ 1RFRQWUDFWXDO PDWXULW\   YDOXH

 $6(7 Kas Giro pada Bank Indonesia Giro pada bank lain - bruto Penempatan pada Bank Indonesia dan bank lain - bruto



-

4.454.108

-

-

-

-

-

-

176.979

-

-

-

-

-

2.629.337

-

2.568.165

42.120

19.052

-

-

-

10.291.810

416.992

1.382.640

1.094.492

5.951.181

802.965

366.148

277.392

44.721 45.308.580 3.593.760

-

1.679 1.002.107 225.729

40.566 2.327.368 312.252

2.885.937 354.323

10.941.953 1.261.292

27.440.755 1.175.355

Tagihan akseptasi - bruto

33.235

-

21.787

9.448

2.000

-

-

-

Penyertaan saham - bruto Bunga yang masih akan diterima Aset lain-lain - neto*)

31.984

31.984

-

-

-

-

-

-

$66(76 Cash Current accounts with Bank Indonesia Current accounts with other banks - gross Placements with Bank Indonesia and other bank - gross Marketable securities gross Bills and other receivables Loans - gross Sharia financing - gross Acceptance receivables gross Investments in shares gross

418.360 9.659

9.659

418.360 -

-

-

-

-

-

Interest receivables Other assets - net*)

69.587.793

3.053.895

10.251.554

2.123.805

8.652.419

4.043.225

12.569.393

28.893.502

Total

Efek-efek yang dijual dengan janji dibeli kembali (repo) Liabilitas akseptasi Liabilitas derivatif Efek hutang yang diterbitkan - neto Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain

3HUEHGDDQMDWXKWHPSR

*)

 1.945.539 46.874.161



 

    1.945.539 40.243.651

 

2.476 710.460 264.809

 

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  -

Simpanan nasabah syariah Simpanan dari bank lain

176.979

/HELKGDUL /HELKGDUL /HELKGDUL VDPSDL VDPSDL VDPSDL EXODQ EXODQ WDKXQ 0RUHWKDQWR 0RUHWKDQWR 0RUHWKDQ  PRQWKV  PRQWKV  WR\HDUV



-



4.454.108

6DPSDL GHQJDQ EXODQ 8SWR PRQWK

  /HELKGDUL VDPSDL WDKXQ 0RUHWKDQ WR\HDUV

-

/,$%,/,7$6 Liabilitas segera Simpanan nasabah

  2.595.260



-

Total

2.595.260



-

Surat berharga - bruto Wesel ekspor dan tagihan lainnya Kredit yang diberikan - bruto Pembiayaan syariah - bruto





  5.617.468

985.562

 

 27.480

-

 -

 

346.540 4.946.725

-

346.540 4.914.200

18.225

11.225

3.075

-

2.978.073 33.235 90

-

2.978.073 21.787 90

11.448 -

-

-

-

2.396.611 324.337

-

-

275.456 297

401.647 -

-

1.719.508 324.040

124.776 799.593

124.776 799.593

-

-

-

-

-

60.769.680

924.369

8.818.113

2.129.526

 /,$%,/,7,(6 - Obligations due immediately Deposits from customers Deposits from customerssharia - Deposits from other banks Marketable securities sold under agreement to repurchase Acceptances payable Derivative payables Debt securities issued - net Borrowings -

50.449.880

5.922.894

1.398.434

30.555

2.043.548

-

(40.198.326)

(3.799.089)

7.253.985

4.012.670

10.525.845

28.893.502

Terdiri dari setoran jaminan

*)

Interest payables Other liabilities



0DWXULW\JDS

Consists of security deposits

175 bank bjb Annual Report 2014

793

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

794



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.2/,.8,',7$6 ODQMXWDQ

 /,48,',7<5,6. FRQWLQXHG The table below summarizes the maturity profile of the Bank financial liabilities as of December 31, 2014 and 2013 based on undiscounted contractual payments (unaudited):

Tabel di bawah ini merangkum profil jatuh tempo liabilitas keuangan Bank pada tanggal-tanggal 31 Desember 2014 dan 2013 berdasarkan pada pembayaran kontraktual yang tidak didiskonto (tidak diaudit): 









 

      

      

      

      

      

      

  7RWDO



'HVHPEHU'HFHPEHU

             3DGD    SHUPLQWDDQ    2QGHPDQG  

/LDELOLWDV.HXDQJDQ Liabilitas segera Simpanan dari nasabah Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali Liabilitas akseptasi Efek hutang yang diterbitkan - neto Pinjaman yang diterima Bunga yang masih harus dibayar dan Liabilitas lain-lain



  1.812.382 53.487.890 3.308.630

7RWDOOLDELOLWDVNHXDQJDQ



 

 1.812.382 34.360.828 3.235.780

      %XODQ  0RQWK 

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2.087.021 18.435

-

1.859.071 12.667

227.950 5.768

-

-

2.178.103 456.490

-

453

13.665

3.288

2.178.103 439.084

121.606 766.221

121.606 766.221

-

-

-

-

Interest payables Other liabilities



 

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)LQDQFLDO/LDELOLWLHV Liabilities due immediately Deposits from customers Deposits from other banks Marketable securities sold under agreements to repurchase Acceptances payable Debt securities issued - net Borrowings





      

10.302.667 45.241

4.068.673 5.260

4.690.063 22.048

65.659 301

 





 



7RWDOILQDQFLDOOLDELOLWLHV















 

      

      

      

      

      

      

/LDELOLWDV.HXDQJDQ Liabilitas segera Simpanan dari nasabah Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali Liabilitas akseptasi Liabilitas Derivatif Efek hutang yang diterbitkan - neto Pinjaman yang diterima Bunga yang masih harus dibayar dan Liabilitas lain-lain



7RWDOOLDELOLWDVNHXDQJDQ



  7RWDO

'HVHPEHU'HFHPEHU

             3DGD    SHUPLQWDDQ    2QGHPDQG  

  1.945.539 47.401.360 5.202.937

 1.945.539 28.573.381 188.713

      %XODQ  0RQWK 



/HELKGDUL %XODQ VDPSDL %XODQ 0RUHWKDQ 0RQWKWR 0RQWKV

      

      





 

/HELKGDUL  %XODQ  VDPSDL  %XODQ  0RUHWKDQ  0RQWKVWR  0RQWKV 

      

 

/HELKGDUL %XODQ  0RUHWKDQ 0RQWKV 

 





12.064.703 4.730.843

5.657.954 57.001

1.062.503 122.568

42.819 103.812

2.984.422 33.235 90

90

2.984.422 33.235 -

-

-

-

4.022.911 430.992

-

-

275.682 298

385.001 430.694

3.362.228

124.776 799.593

124.776 799.593

-

-

-

-

 





 





 

  )LQDQFLDO/LDELOLWLHV Liabilities due immediately Deposits from customers Deposits from other banks Marketable securities sold under agreements to repurchase Acceptances payable Acceptances payable Debt securities issued - net Borrowings Interest payables Other liabilities



The Bank and subsidiaries have developed a liquidity risk measurement model to measure the liquidity risk of the Bank’s assets and liabilities portfolio, based on normal case, specific case and crisis case scenarios by liquidity stress testing process.

Bank dan entitas anak telah membangun model pengukuran risiko likuiditas untuk mengukur risiko likuiditas dari portofolio aset dan liabilitas Bank berdasarkan skenario normal, spesifik dan krisis secara triwulan dengan proses stress test likuiditas.

176 bank bjb Laporan Tahunan 2014

      





The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ  

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH


 5,6,.268.8%81*$

 ,17(5(675$7(5,6.

Untuk mengelola maturity gap, Bank dan entitas anak mengambil langkah-langkah sebagai berikut:

To manage the maturity gap, the Bank and subsidiaries take the following steps:

a.

a.

Melakukan pemantauan terhadap adanya pencairan dan penempatan dana setiap hari; Memberikan tingkat bunga yang lebih tinggi kepada nasabah utama; Menjaga hubungan baik dengan para deposan agar tetap menanamkan dananya pada Bank.

b. c.

b. c.

Performs regular monitoring of funds withdrawal and placement on a daily basis; Gives higher interest rate to priority customers; Maintains good relationship with depositors to maintain their funds in the Bank.

Risiko suku bunga merupakan potensi kerugian Bank dan entitas anak yang timbul akibat fluktuasi suku bunga pasar yang berlawanan dengan posisi portofolio Bank dan entitas anak.

Interest rate risk is the Bank’s and subsidiaries’ potential losses arising from market interest rates fluctuations as opposed to the position of the Bank’s and subsidiaries’ portfolios.

Bank dan entitas anak melakukan pengukuran risiko suku bunga meliputi penilaian risiko suku bunga yang melekat pada aset, kewajiban dan pada posisi off balance sheet; penggunaan konsep keuangan yang berlaku secara umum dan teknikteknik manajemen risiko; asumsi dan parameter yang terdokumentasi dan dievaluasi secara berkala; terintegrasi dengan proses manajemen risiko secara rutin baik dari aspek pengambilan keputusan, struktur governance maupun proses alokasi modal internal. Dengan menggunakan metodologi tersebut, Bank dan entitas anak dapat mengidentifikasi risiko suku bunga dari portofolio aset dan kewajiban yang sensitif terhadap perubahan suku bunga serta menentukan besaran risiko terhadap Bank dan entitas anak.

The Bank and subsidiaries conduct measurement of interest rate risk that includes assessing inherent interest rate risk in asset, liabilities and off balance sheet positions; implementation of the generally applicable financial concept and risk management techniques; assumptions and parameters which are documented and evaluated regularly; intergrated with periodic risk management process either from the aspect of decision making, governance structure or internal capital allocation process. By using such methodologies, the Bank can identify interest rate risk of asset and liabilities portofolio that are sensitive to interest rate changes and determine the risk scale for the Bank and subsidiaries.

Tabel di bawah ini menyajikan informasi mengenai tingkat suku bunga rata-rata per tahun untuk aset dan liabilitas keuangan yang penting untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013:

The following table presents information on the average annual interest rates for significant financial assets and liabilities for the year ended December 31, 2014 and 2013:















    

    

    

    

    

    

    

$6(7   Giro pada bank lain Penempatan pada bank Indonesia dan Bank Lain Surat berharga Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Kredit yang diberikan





/,$%,/,7$6  Simpanan nasabah - Giro - Tabungan - Deposito berjangka Simpanan dari bank lain Efek-efek yang dijual dengan janji dibeli kembali (repo) Pinjaman yang diterima Efek hutang yang diterbitkan













795







  5XSLDK 5XSLDK 

 



  



    

 0DWDXDQJ  DVLQJ  )RUHLJQ  FXUUHQFLHV  

    

    

   5XSLDK 5XSLDK 





    

    

 

 

0DWDXDQJ DVLQJ )RUHLJQ FXUUHQFLHV 

    

  1,11

0,00

1,56

0,00

6,47 7,75

0,23 -

7,43 6,82

0,00 -

6,20 11,90 2,00-27,00

3,53 6,00-8,00

10,07 3,00-27,00

3,66 6,00-8,00

 

 

 

    

 

 

 

0,19 0,44 6,87 2,39

0,12 0,21 1,12 0,00

0,24 0,59 5,46 1,50

0,27 0,32 1,11 0,40

6,71 2,32 10,58

-

5,88 5,21 10,58

-

    



 $66(76 Current accounts with other banks Placements with other banks Marketable securities purchased under agreement to resale Bills and other receivables Loans /,$%,/,7,(6 Deposits from customers Current accounts Savings Time deposits Deposits from other banks sold under agreement to repurchase Borrowings Debt securities issued

177 bank bjb Annual Report 2014



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

 







bank bjb Laporan Tahunan 2014

 

$VHW.HXDQJDQ Kas









- Giro - Tabungan - Deposito berjangka Simpanan syariah Simpanan dari bank lain - Giro - Tabungan - Deposito berjangka - Interbank call money Efek-efek yang dijual dengan janji dibeli kembali

7RWDODVHWNHXDQJDQ /LDELOLWDV.HXDQJDQ Liabilitas segera Simpanan nasabah

Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Efek-efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Tagihan akseptasi Kredit yang diberikan Pembiayaan syariah Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*)

       





       

       



       



       















 



   

2.662.756 22.048 -

32.800 198.980 50.501 3.004.000

2.062.916

-



21.526.367 12.487.921 16.388.612 369.090

-

10.820

10.820 -

568.461 19.555 18.435 1.796 -

 

-

-

 -

       

-

5.914.793







5.177.942 128.604

  -

    /HELKGDUL     EXODQWDSL     WLGDNOHELK     GDULWDKXQ  7LGDNOHELK   0RUHWKDQ  GDULEXODQ   PRQWKVEXW  1RWPRUHWKDQ   QRWPRUHWKDQ  PRQWKV   \HDU

 

       

 











-

-

 

-

301 -

32.244 -

-

47.924

-

-

-

-





-

-

178

 

-

-

-

-

143.999

143.999 -

-

-

-

       

-

-

-

       

-

-

-

-

       

-

-

 

-

-

-

1.812.382

3.261.844

31.984 452.642 9.540

-

-

2.767.678

      7LGDN    GLNHQDNDQ    EXQJD  1RQLQWHUHVW    EHDULQJ  

 

-

-

61.569.522

45.279.772 4.400.116 -

4.764.263 7.125.371

         6XNXEXQJD  WHWDS  )L[HGLQWHUHVW  UDWH

 

20.900 -

-

3.861.211

3.861.211 -

    /HELKGDUL WDKXQ 0RUHWKDQ \HDUV

2.062.916

32.800 198.980 72.850 3.004.000

21.526.367 12.487.921 19.104.512 369.090

75.081.589    1.812.382

568.461 19.555 18.435 49.616.998 4.400.116 31.984 452.642 9.540

4.764.263 7.125.371

5.177.942 128.604

2.767.678

7RWDO 7RWDO

 

Current accounts SavingsTime deposits Customer deposits - sharia Deposits from other banks Current accounts Savings Time deposits Interbank call money Marketable securities sold under agreement to repurchase

7RWDOILQDQFLDODVVHWV )LQDQFLDO/LDELOLWLHV Obligations due immediately Deposits from customers

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Marketable securities purchased with agreement to resell Bills and other receivables Acceptances receivable Loans Sharia financing Investment in shares Interest receivables Other assets*)

)LQDQFLDO$VVHWV Cash

The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk (gross) (unaudited):

,17(5(675$7(5,6. FRQWLQXHG

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
The original consolidated financial statements included herein are in the Indonesian language.

 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

 

-

-

157.417

157.417 -

-

-

-

 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

 

114.059 -

-

-

 -

114.059



'HVHPEHU'HFHPEHU



 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

  -

       

 



47.924 -

 /HELKGDUL  WDKXQWDSL  WLGDNOHELK  GDULWDKXQ  0RUHWKDQ  \HDUEXW  QRWPRUHWKDQ  \HDUV





Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga (gross) (tidak diaudit):

 5,6,.268.8%81*$ ODQMXWDQ



796

bank bjb Annual Report 2014



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 













*)









Giro pada Bank Indonesia Giro pada bank lain Penempatan pada Bank Indonesia dan bank lain Surat berharga Wesel ekspor dan tagihan lainnya Tagihan akseptasi Kredit yang diberikan Pembiayaan syariah





Terdiri dari setoran jaminan



                                             $VHW.HXDQJDQ Kas







7RWDOJDSUHSULFLQJVXNXEXQJD











/LDELOLWDV.HXDQJDQ Liabilitas akseptasi Efek hutang yang diterbitkan Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain 7RWDOOLDELOLWDVNHXDQJDQ

       





       

       

       

       







         







(50.224.829)



(2.690.681)

 



 16.697 2.701.501

       









(11.242)















(191.736) 

-

44.721 33.235 3.425 -

4.454.108 176.979

-

2.290 -

19.693 -

6.487 -

-

179

       

90.988 

8.473 -

-

*)







59.847.621 

246.900 -

-

-

2.629.337 10.291.810 45.021.312 3.593.760

-

-





-

-

2.595.260

      7LGDN    GLNHQDNDQ    EXQJD  1RQLQWHUHVW    EHDULQJ  

561.635

  121.606 766.221 2.700.209

      7LGDN    GLNHQDNDQ    EXQJD  1RQLQWHUHVW    EHDULQJ  

Consists of security deposits

3.840.311

       

  1.721.901 1.721.901

         6XNXEXQJD  WHWDS  )L[HGLQWHUHVW  UDWH

                         /HELKGDUL   6XNXEXQJD   WDKXQ   WHWDS   0RUHWKDQ  )L[HGLQWHUHVW   \HDUV   UDWH 



       

  20.900

    /HELKGDUL WDKXQ 0RUHWKDQ \HDUV

2.629.337 10.291.810 44.721 33.235 45.308.580 3.593.760

4.454.108 176.979

2.595.260

7RWDO 7RWDO

 



11.325.118 

  18.435 1.721.901 456.490 121.606 766.221 63.756.471 

7RWDO 7RWDO

 

Current accounts with Bank Indonesia Current accounts with other banks Placements with Bank Indonesia and other banks Marketable securities Bills and other receivables Acceptances receivable Loans Sharia financing

)LQDQFLDO$VVHWV Cash

7RWDOJDSUHSULFLQJLQWHUHVWUDWH

)LQDQFLDO/LDELOLWLHV Acceptance payables Debt securities issued Borrowings Interest payable Other liabilities 7RWDOILQDQFLDOOLDELOLWLHV

The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk (gross) (unaudited) (continued):

,17(5(675$7(5,6. FRQWLQXHG

  53.011 53.011

 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

  349.153 349.153

 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

  11.008 11.008 103.051





37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
The original consolidated financial statements included herein are in the Indonesian language.

'HVHPEHU'HFHPEHU

 /HELKGDUL   WDKXQWDSL   WLGDNOHELK   GDULWDKXQ   0RUHWKDQ   \HDUVEXW   QRWPRUHWKDQ   \HDUV 

         

  26.621 59.166

 /HELKGDUL  WDKXQWDSL  WLGDNOHELK  GDULWDKXQ  0RUHWKDQ  \HDUEXW  QRWPRUHWKDQ  \HDUV



     'HVHPEHU'HFHPEHU  /HELKGDUL   /HELKGDUL   /HELKGDUL   /HELKGDUL   /HELKGDUL   EXODQWDSL   WDKXQWDSL   WDKXQWDSL   WDKXQWDSL   WDKXQWDSL   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK  GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ  PRQWKVEXW   \HDUEXW   \HDUVEXW   \HDUVEXW   \HDUVEXW  QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ  \HDU   \HDUV   \HDUV   \HDUV   \HDUV        -





  18.435 56.139.622

               7LGDNOHELK   GDULEXODQ  1RWPRUHWKDQ  PRQWKV    -





 

 



 

    /HELKGDUL     EXODQWDSL     WLGDNOHELK     GDULWDKXQ  7LGDNOHELK   0RUHWKDQ  GDULEXODQ   PRQWKVEXW  1RWPRUHWKDQ   QRWPRUHWKDQ  PRQWKV   \HDU

 

       

 

Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga (gross) (tidak diaudit) (lanjutan):

 5,6,.268.8%81*$ ODQMXWDQ



797



37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

bank bjb Laporan Tahunan 2014









*)





Terdiri dari setoran jaminan



7RWDOJDSUHSULFLQJVXNXEXQJD







7RWDODVHWNHXDQJDQ /LDELOLWDV.HXDQJDQ Liabilitas segera Simpanan nasabah

- Giro - Tabungan - Deposito berjangka Simpanan syariah Simpanan dari bank lain - Giro - Tabungan - Deposito berjangka - Interbank call money Liabilitas derivatif Efek-efek yang dijual dengan janji dibeli kembali Liabilitas akseptasi Efek hutang yang diterbitkan Pinjaman yang diterima Bunga yang masih harus dibayar Liabilitas lain-lain 7RWDOOLDELOLWDVNHXDQJDQ

 

                                              $VHW.HXDQJDQ Penyertaan saham Bunga yang masih akan diterima Aset lain-lain*)



 

 





   





 

  

33.235 250 

11.255 -

48.199 140.514 67.982 4.675.700 -

2.978.073  

985.562 -

  -

16.360.520 11.833.862 17.666.737 346.540













  

 

3.075 -

27.480 -

    -





 

 

-

-

    -





180

  

235.000  

-

-

    -





 

 

-

-

    -

*)







 

2.396.611 89.087  

90

-

    -

-





 

124.776 799.593  

-

-

1.945.539

   

31.984 418.360 9.659

      7LGDN    GLNHQDNDQ    EXQJD  1RQLQWHUHVW    EHDULQJ  

Consists of security deposits



 

 

-

-

    -

-

                         /HELKGDUL   6XNXEXQJD   WDKXQ   WHWDS   0RUHWKDQ  )L[HGLQWHUHVW   \HDUV   UDWH 



 

2.978.073 33.235 2.396.611 324.337 124.776 799.593  

48.199 140.514 82.312 4.675.700 90

16.360.520 11.833.862 18.679.779 346.540

    1.945.539

31.984 418.360 9.659

7RWDO 7RWDO

 

7RWDOJDSUHSULFLQJLQWHUHVWUDWH

Current accounts SavingsTime deposits Customer deposits - sharia Deposits from other banks Current accounts Savings Time deposits Interbank call money Derivatives payables Marketable securities sold under agreement to repurchase Acceptance payables Debt securities issued Borrowings Interest payable Other liabilities 7RWDOILQDQFLDOOLDELOLWLHV

7RWDOILQDQFLDODVVHWV )LQDQFLDO/LDELOLWLHV Obligations due immediately Deposits from customers

)LQDQFLDO$VVHWV Investment in shares Interest receivables Other assets*)

The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk (gross) (unaudited) (continued):

,17(5(675$7(5,6. FRQWLQXHG

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176 $VRI'HFHPEHUDQG )RUWKH
The original consolidated financial statements included herein are in the Indonesian language.

     'HVHPEHU'HFHPEHU  /HELKGDUL   /HELKGDUL   /HELKGDUL   /HELKGDUL   /HELKGDUL   EXODQWDSL   WDKXQWDSL   WDKXQWDSL   WDKXQWDSL   WDKXQWDSL   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK   WLGDNOHELK  GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   GDULWDKXQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ   0RUHWKDQ  PRQWKVEXW   \HDUEXW   \HDUVEXW   \HDUVEXW   \HDUVEXW  QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ  \HDU   \HDUV   \HDUV   \HDUV   \HDUV        -

    -

               7LGDNOHELK   GDULEXODQ  1RWPRUHWKDQ  PRQWKV    -

   

         

Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga (gross) (tidak diaudit) (lanjutan):

 5,6,.268.8%81*$ ODQMXWDQ



798

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 5,6,.268.8%81*$ ODQMXWDQ 



 ,17(5(675$7(5,6. FRQWLQXHG  i. Interest rate risk

i. Risiko tingkat suku bunga



Analisis sensitivitas untuk beberapa faktor pasar menunjukkan bagaimana laba rugi dan ekuitas dapat dipengaruhi oleh perubahan dari beberapa faktor risiko sesuai dengan tabel dibawah ini. Secara umum, sensitivitas diestimasi dengan membandingkan suatu nilai awal ke nilai tertentu setelah perubahan tertentu dari faktor pasar, dengan mengasumsikan seluruh variabel lainnya tetap. Sensitivitas atas laporan laba rugi merupakan efek atas perubahan estimasi suku bunga atas laba rugi untuk suatu periode, berdasarkan nilai suku bunga mengambang atas aset dan liabilitas yang diperdagangkan dan tidak diperdagangkan yang dimiliki Bank dan entitas anak. Analisis sensitivitas atas laporan laba rugi komprehensif konsolidasian dihitung dengan menilai kembali perubahan estimasi suku bunga tetap atas aset keuangan yang tersedia untuk dijual. Jumlah sensitivitas atas laporan laba rugi komprehensif konsolidasian didasarkan pada asumsi bahwa terdapat perubahan paralel dalam kurva penghasilan.

Sensitivity analysis for several market factors showing how profit or loss and equity could be affected by changes in the relevant risk factor are in the following tables below. In general, sensitivity is estimated by comparing an initial value to the value derived after a specified change in the market factor, assuming all other variables are constant. The sensitivity of the statement of income is the effect of the assumed changes in interest rates on the profit or loss for a period, based on the floating rate trading and non-trading financial assets and liabilities held by the Bank and subsidiaries. The sensitivity of the consolidated statement of comprehensive income is calculated by revaluing fixed rate available-for-sale financial assets for the effects of the assumed changes in interest rates. The total sensitivity of the consolidated statement of comprehensive income is based on the assumption that there are parallel shifts in the yield curve.

Tabel di bawah ini menunjukkan sensitivitas dari laporan laba rugi komprehensif konsolidasian Bank dan entitas anak terhadap kemungkinan perubahan wajar atas suku bunga untuk aset dan liabilitas keuangan dengan suku bunga tetap pada tanggal 31 Desember 2014 dan 2013 (tidak diaudit):

The table below demonstrates the sensitivity of the Bank’s and subsidiaries’ consolidated statement of income and statement of comprehensive income to reasonably possible changes in interest rates for fixed rate financial assets and liabilities as of December 31, 2014 and 2013 (unaudited):







        

        

        









         

'HVHPEHU'HFHPEHU              3HUXEDKDQEDVLV  SRLQ&KDQJH  LQEDVLVSRLQW

        

 'DPSDNNH ODSRUDQODEDUXJL  NRPSUHKHQVLI  NRQVROLGDVLDQ  ,PSDFWWRWKH  FRQVROLGDWHG  VWDWHPHQW  RIFRPSUHKHQVLYH  LQFRPH 

Rupiah

+125 +50 -50 -125

(343.515) (146.406) 146.406 343.515

Rupiah

Valas

+125 +50 -50 -125

(5.062) (84.261) 84.261 5.062

Foreign currency

181 bank bjb Annual Report 2014

799

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

800

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 5,6,.268.8%81*$ ODQMXWDQ 



 ,17(5(675$7(5,6. FRQWLQXHG  i. Interest rate risk (continued)

i. Risiko tingkat suku bunga (lanjutan)

The table below demonstrates the sensitivity of the Bank’s and subsidiaries’ consolidated statement of income and statement of comprehensive income to reasonably possible changes in interest rates for fixed rate financial assets and liabilities as of December 31, 2014 and 2013 (unaudited) (continued):

Tabel di bawah ini menunjukkan sensitivitas dari laporan laba rugi komprehensif konsolidasian Bank dan entitas anak terhadap kemungkinan perubahan wajar atas suku bunga untuk aset dan liabilitas keuangan dengan suku bunga tetap pada tanggal 31 Desember 2014 dan 2013 (tidak diaudit) (lanjutan): 







        

        

        









         

'HVHPEHU'HFHPEHU              3HUXEDKDQEDVLV  SRLQ&KDQJH  LQEDVLVSRLQW

        

 'DPSDNNH ODSRUDQODEDUXJL  NRPSUHKHQVLI  NRQVROLGDVLDQ  ,PSDFWWRWKH  FRQVROLGDWHG  VWDWHPHQW  RIFRPSUHKHQVLYH  LQFRPH 

Rupiah

+125 +50 -50 -125

(333.080) (524.444) 216.439 884.893

Rupiah

Valas

+125 +50 -50 -125

(5.296) (1.059) 1.059 5.296

Foreign currency

 5,6,.223(5$6,21$/

 23(5$7,21$/5,6.

Risiko operasional adalah risiko kerugian langsung ataupun tidak langsung yang terjadi karena tidak memadainya atau karena adanya kegagalan proses internal, kesalahan manusia, kegagalan sistem atau adanya masalah eksternal yang dapat mempengaruhi operasional Bank dan entitas anak.

Operational risk is a direct or indirect losses risk incurred by insufficient or malfunction of internal processes, human error, system failure, or external problems that affect the operations of the Bank and subsidiaries.

Sebagai wujud pelaksanaan proses pengawasan terhadap risiko operasional yang mungkin terjadi, Bank dan entitas anak telah mengembangkan suatu sistem dengan menggunakan metodologi pengukuran sendiri, menggunakan tools Risk Control Self Assessment (RCSA) yang dilakukan oleh masing-masing risk taking unit, melakukan penilaian terhadap terhadap indikator-indikator utama (Key Risk Indicator) Bank yang digunakan sebagai early warning system serta wajib melaporkan timbulnya kerugian/potensi kerugian yang timbul akibat risiko operasional dalam tools Lost Event Database (LED). Keseluruhan proses dimaksud merupakan upaya guna meningkatkan budaya risk awareness terhadap potensi-potensi risiko yang dihadapi oleh Bank dan sebagai pedoman bagi manajemen guna melakukan pengendalian dan mitigasi terhadap dampak risiko yang timbul.

As a form of implementation of the monitoring process to the operational risks that may occur, Bank and subsidiaries have developed a system using its own measurement methodology, using tools Risk Control Self Assessment (RCSA) conducted by each risk taking unit. Besides it, every month each risk-taking unit take an assessment of the Bank’s key indicators (Key Risk Indicators) which are used as an early warning system and also requirement report potential losses arising from operational risks in Lost Event Database (LED) tools. The entire process is an attempt to intensify a risk awareness culture to potential risks encountered by the Bank and as a guideline for management in order to control and mitigate the impact of arising risks.

182 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 5,6,.223(5$6,21$/ ODQMXWDQ

 23(5$7,21$/5,6. FRQWLQXHG

Disamping melakukan proses manajemen risiko terhadap risiko yang melekat dalam aktivitas existing, Bank dan entitas anak juga menerapkan manajemen risiko secara menyeluruh atas rencana penerbitan produk dan aktivitas baru sesuai dengan jenis risiko yang telah ditetapkan dalam PBI No. 5/8/PBI/2003 beserta perubahannya melalui PBI No. 11/25/PBI/2009 tentang penerapan Manajemen Risiko Bagi Bank Umum dan SE BI No. 11/35/DPNP tanggal 31 Desember 2009 perihal Pelaporan Produk dan Aktivitas Baru.

In addition of conducting risk management process for inherent risk in the existing activity, the Bank and subsidiaries also implement a comprehensive risk management for issuance of new products and activities plan and in accordance with the type of risk that has been established in PBI No. 5/8/PBI/2003 and its amandement through PBI No. 11/25/PBI2009 on the Implementation of Risk Management for Bank and Bank Indonesia Circular Letter No. 11/35/DPBP dated December 31, 2009, regarding New Products and Activities Report.

Bank telah melakukan perhitungan beban modal risiko operasional berdasarkan Basel Committee on Banking Supevision dan SE BI No. 11/13/DPNP tanggal 27 Januari 2009 perihal Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Risiko Operasional dengan menggunakan Pendekatan Indikator Dasar (PID). Bank dan entitas anak menggunakan metodologi pendekatan Basic Indicator dan saat ini masih dalam proses pengembangan terhadap perhitungan beban modal risiko operasional dengan metode Standardized Approach serta pengumpulan data risiko yang digunakan dalam perhitungan beban modal Risiko Operasional dengan menggunakan pendekatan yang lebih kompleks (Advanced Measurement Approach).

The Bank have been calculation operational risk capital requirements under Basel Committee on Banking Supervision and Bank Indonesia Circular Letter No. 11/13/DPNP dated Januari 27, 2009 regarding the calculation of Risk Weighted Assets (RWA) Operational risk by Using the Basic indicator Approach (BIA). Bank and subsidiaries using Basic Indicator approach and methodology, are currently doing a development of the capital allowance calculation by using Standardize Approach method and the collection of risk data which are used in calculating operational in capital charges risks using a more complex approach (Advanced Measurement Approach).

Bank telah mengembangkan suatu kerangka kerja serta kebijakan dan pedoman Business Continuity Management (BCM) yang digunakan sebagai contingency plan bagi Bank dalam rangka meminimalkan kerugian yang timbul dari potensipotensi risiko operasional yang disebabkan oleh faktor eksternal seperti bencana alam, kebakaran, serta gangguan lainnya seperti gangguan sistem, listrik, saluran komunikasi dan lain-lain yang berada diluar kewenangan Bank dan entitas anak. Ruang lingkup BCM terdiri dari Business Continuity Plan (BCP) sebagai prosedur kelangsungan usaha Bank dan entitas anak serta Emergency Response Plan (ERP) sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan (DRP) sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi dan terus disempurnakan serta disesuaikan dengan perkembangan bisnis dan sistem yang dimiliki Bank dan entitas anak.

Bank has developed a framework as weel as policies and also guidelines for Business Continuity Management (BCM) which are used as a contingency plan for the Bank and subsidiaries in order to minimize losses arising from potential operational risks caused by external factors such as natural disasters, fires, and other disruptions such as system, electricity, communication lines, and others that are outside the Bank’s and subsidiaries’ authority. The scope of BCM consists of Business Continuing Plan (BCP) as the Bank’s and subsidiaries’ business continuity procedures and Emergency Response Plan (ERP) as an emergency procedure in order to save data and assets also a Disaster Recovery Plan (DRP) as the continuity procedures for systems and supporting infrastructures of Information Technology and also enhanced and adapted continuously to business development and systems held by The Bank and subsidiaries.

183 bank bjb Annual Report 2014

801

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

802

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 $6(7 '$1 /,$%,/,7$6 021(7(5 '$/$0 0$7$8$1*$6,1*

 021(7$5< $66(76 $1' /,$%,/,7,(6 ,1 )25(,*1&855(1&<

Pada tanggal 31 Desember 2014, Bank dan entitas anak memilki aset dan liabilitas moneter yang signifikan dalam mata uang asing. Nilai aset dan liabilitas moneter dalam mata uang asing pada tanggal laporan posisi keuangan konsolidasian disajikan seperti di bawah ini.

As of December 31, 2014, the Bank and subsidiaries have significant monetary assets and liabilities denominated in foreign currencies. The value of these monetary assets and liabilities denominated in foreign currencies as of the consolidated statement of financial position date are presented below:

  

  

  

  

  

$VHW   Kas (Catatan 4) Dolar Amerika Serikat Dolar Singapura Euro Eropa Riyal Saudi Arabia Dolar Australia Yen Jepang Yuan Cina Dolar Hong Kong Poundsterling Inggris

  

    (NXLYDOHQ5XSLDK  0DWD8DQJ$VLQJ  (TXLYDOHQWLQ )RUHLJQ&XUUHQFLHV  5XSLDK  

 

Giro pada Bank Indonesia (Catatan 5) Dolar Amerika Serikat Giro pada bank lain (Catatan 6) Dolar Amerika Serikat Euro Eropa Yuan Cina Dolar Singapura Dolar Australia Poundsterling Inggris Yen Jepang Dolar Hong Kong Penempatan pada Bank Indonesia dan bank lain (Catatan 7) Dolar Amerika Serikat Wesel ekspor dan tagihan Lainnya (Catatan 11) Dolar Amerika Serikat Kredit yang diberikan (Catatan 12) Dolar Amerika Serikat Tagihan akseptasi (Catatan 14) Dolar Amerika Serikat Bunga yang masih akan diterima (Catatan 17) Dolar Amerika Serikat Aset lain-lain (Catatan 18) Dolar Amerika Serikat  Subtotal

  462.049 92.556 21.750 35.157 14.420 413.000 3.100 1.960 915

5.723 868 327 116 146 43 6 3 18

4.520.000

55.980

4.928.499 628.761 1.471.877 740.386 248.218 29.384 640.326 582.382

61.039 9.465 2.938 6.942 2.519 567 66 930

5.000.000

61.925

1.425.409

17.654

13.730.941

170.058

827.133

10.244

68.702

851

59.649  

739  

184 bank bjb Laporan Tahunan 2014

 

 

$VVHWV Cash (Note 4) United States Dollar Singapore Dollar European Euro Saudi Arabian Riyal Australian Dollar Japanese Yen Chinese Yuan Hong Kong Dollar Great Britain Poundsterling Current accounts with Bank Indonesia (Note 5) United States Dollar Current accounts with other banks (Note 6) United States Dollar European Euro Chinese Yuan Singapore Dollar Australian Dollar Great Britain Poundsterling Japanese Yen Hong Kong Dollar Placements with Bank Indonesia and other banks (Note 7) United States Dollar Bills and other receivables (Note 11) United States Dollar Loans (Note 12) United States Dollar Acceptance payables (Note 14) United States Dollar Interest receivables (Note 17) United States Dollar Other assets (Note 18) United States Dollar Subtotal

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 $6(7 '$1 /,$%,/,7$6 021(7(5 '$/$0 0$7$8$1*$6,1* ODQMXWDQ   

803

  

  

  

  

  

 021(7$5< $66(76 $1' /,$%,/,7,(6 ,1 )25(,*1&855(1&< FRQWLQXHG

    (NXLYDOHQ5XSLDK  0DWD8DQJ$VLQJ  (TXLYDOHQWLQ )RUHLJQ&XUUHQFLHV  5XSLDK  

/LDELOLWDV   Liabilitas segera (Catatan 19) Dolar Amerika Serikat Simpanan nasabah dan simpanan nasabah syariah (Catatan 20) Dolar Amerika Serikat Dolar Singapura Euro Eropa Yuan Cina Dolar Australia Bunga yang masih harus dibayar (Catatan 27) Dolar Amerika Serikat Tagihan Akseptasi (Catatan 14) Dolar Amerika Serikat Liabilitas lain-lain (Catatan 28) Dolar Amerika Serikat Euro Eropa Dolar Australia

 

 

351.439

4.355

21.415.046 427.142 49.386 1.457.292 10.340

265.226 4.005 744 2.909 105

2.161

27

827.133

10.244

778.597 134 4.734

9.643 2 48

/LDELOLWLHV Obligations due immediately (Note 19) United States Dollar Deposits from customers and deposits from customers - sharia (Note 20) United States Dollar Singapore Dollar European Euro Chinese Yuan Australian Dollar Interest payables (Note 27) United States Dollar Acceptance Receivables (Note 14) United States Dollar Other liabilities (Note 28) United States Dollar European Euro Australian Dollar

 Subtotal

 

 

 

Subtotal

 $VHWEHUVLK

 

 

 

1HWDVVHWV

 0$1$-(0(102'$/'$15$6,2.(:$-,%$1 3(1<(',$$102'$/0,1,080

 &$3,7$/ 0$1$*(0(17 $1' 0,1,080 5(48,5('&$3,7$/$'(48$&<5$7,2 &$5

Tujuan utama manajemen permodalan Bank adalah untuk memastikan bahwa permodalan telah memenuhi persyaratan permodalan ekternal dan mempertahankan peringkat kredit yang kuat dan rasio permodalan yang sehat dalam rangka menunjang bisnis dan memaksimalkan nilai pemegang saham.

The primary objectives of the Bank’s capital management are to ensure that it complies with externally imposed capital requirements and it maintains strong credit ratings and healthy capital ratios in order to support its business and to maximize shareholders’ value.

Bank mengatur struktur modal dan membuat penyesuaian atas perubahan kondisi ekonomi dan karakteristik risiko kegiatannya. Dalam rangka mempertahankan atau menyesuaikan struktur modal, Bank dapat menyesuaikan jumlah pembayaran deviden kepada pemegang saham, struktur pengembalian modal, atau penerbitan modal sekuritas. Tidak terdapat perubahan tujuan, kebijakan dan proses dari tahun sebelumnya.

The Bank manages its capital structure and makes adjustments to it in the light of changes in economic conditions and the risk characteristics of its activities. In order to maintain or adjust the capital structure, the Bank may adjust the amount of dividend payment to shareholders, return capital structure, or issue capital securities. No changes were made in the objectives, policies and processes from the previous years.

Bank telah memenuhi semua persyaratan modal yang diwajibkan sepanjang tahun.

The Bank has complied with all externally imposed capital requirements throughout the year.

CAR adalah rasio modal terhadap Aset Tertimbang Menurut Risiko (ATMR), perhitungannya didasarkan pada peringkat profil risiko Bank Umum sesuai dengan Peraturan Bank Indonesia (PBI) No.14/18/PBI/2012 tanggal 28 November 2012 dimana jumlah modal untuk risiko kredit terdiri dari modal inti dan modal pelengkap. Selain itu bank dengan kriteria tertentu harus memasukkan risiko pasar dan risiko operasional dalam perhitungan CAR dengan memasukan komponen modal pelengkap tambahan.

CAR is the ratio of capital to Risk Weighted Assets (RWA), the computation is based on risk profile rating for Bank in accordance with Bank Indonesia Regulation No.14/18/PBI/2012 dated November 28, 2012, whereby the total capital for credit risk consists of core capital and supplementary capital. Banks which meet certain criteria have to consider market and operational risk in the computation of CAR by including additional supplementary capital component.

185 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

804

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 0$1$-(0(102'$/'$15$6,2.(:$-,%$1 3(1<(',$$102'$/0,1,080 ODQMXWDQ

 &$3,7$/ 0$1$*(0(17 $1' 0,1,080 5(48,5('&$3,7$/$'(48$&<5$7,2 &$5  FRQWLQXHG

Rasio kewajiban penyediaan modal minimum pada tanggal-tanggal 31 Desember 2014 dan 2013 (entitas induk) adalah sebagai berikut:

The capital adequacy ratio as of December 31, 2014 and 2013 (parent entity) are as follows:

   





 

Aset tertimbang menurut risiko - Tanpa memperhitungkan risiko pasar - Dengan memperhitungkan risiko pasar - Dengan memperhitungkan risiko operasional

 'HVHPEHU   'HVHPEHU 'HFHPEHU 'HFHPEHU

27.431.126 28.614.349

24.932.833 26.097.356

35.818.015

32.351.477

Risk weighted assets Without market risk With market risk With operational risk -

Modal - Modal inti - Modal pelengkap

5.737.833 21.303

5.350.343 (9.926)

Total modal

5.759.136

5.340.417

Total capital

20,99%

21,42%

Capital Adequacy Ratio Without market risk -

20,13%

20,46%

With market risk -

16,08%

16,51%

Rasio Kecukupan Modal - Tanpa memperhitungkan risiko pasar - Dengan memperhitungkan risiko pasar - Dengan memperhitungkan risiko operasional Rasio modal inti terhadap aset tertimbang tanpa memperhitungkan risiko pasar Rasio kewajiban penyediaan modal minimum yang diwajibkan oleh Bank Indonesia

20,92%

21,46%

10,00%

9,00%

 0$1$-(0(15,6,.2

With operational risk Ratio of core capital to risk weighted assets without market risk Minimum Capital Adequacy Ratio required by Bank Indonesia

 5,6.0$1$*(0(17 The Bank has implemented risk management procedures to comply with PBI regarding the Application of Risk Management for Commercial Banks as covered by PBI No. 5/8/PBI/2003 and BI Circular Letter No. 5/21/DPNP regarding Application of Risk Management for Commercial Banks which had been revised by PBI No. 11/25/PBI/2009 regarding amendment for PBI No.5/8/PBI/2003 for Application of Risk Management for Commercial Banks, therefore the Bank has to manage and carry out risk mitigation to comply with its business activities scope, which consist of credit risk, market risk, operational risk, liquidity risk, legal risk, reputational risk, strategic risk and compliance risk.

Bank telah mengimplementasikan prosedur manajemen risiko sesuai dengan PBI tentang Penerapan Manajemen Risiko bagi Bank Umum yang dicakup dalam PBI No. 5/8/PBI/2003 dan Surat Edaran BI No. 5/21/DPNP tentang Penerapan Manajemen Risiko bagi Bank Umum yang telah diubah melalui PBI No. 11/25/PBI/2009 tentang perubahan atas Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum, sehingga Bank harus mengelola serta melakukan mitigasi risiko sesuai ruang lingkup aktivitas bisnisnya, yaitu risiko kredit, risiko pasar, risiko operasional, risiko likuiditas, risiko hukum, risiko reputasi, risiko strategis dan risiko kepatuhan.

186 bank bjb Laporan Tahunan 2014

Capital Core capital Supplementary capital -

The original consolidated financial statements included herein are in the Indonesian language.

 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN '$1(17,7$6$1$.1<$ &$7$7$1$7$6/$325$1.(8$1*$1 .2162/,'$6,$1 7DQJJDO'HVHPEHUGDQ 8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO7HUVHEXW 'LVDMLNDQGDODPMXWDDQUXSLDK NHFXDOLGLQ\DWDNDQODLQ 

37%$1.3(0%$1*81$1'$(5$+ -$:$%$5$7'$1%$17(17EN $1',7668%6,',$5,(6 127(6727+(&2162/,'$7('),1$1&,$/ 67$7(0(176 $VRI'HFHPEHUDQG )RUWKH




 0$1$-(0(15,6,.2 ODQMXWDQ

 5,6.0$1$*(0(17 FRQWLQXHG





3URILO5LVLNR

5LVN3URILOH

Bank dan entitas anak juga membuat profil risiko yang secara garis besar dapat memetakan unit kerja yang memiliki risiko maupun potensi risiko yang menganggu kelangsungan bisnis Bank dan entitas anak serta menggunakan 5 (lima) komposit untuk delapan jenis risiko yang dihadapi Bank dan entitas anak.

The Bank and subsidiaries also prepare a risk profile which is able to map those business units which carry risks as well as the potential risks that affect the Bank’s and subsidiaries’ abilities to continue as a going concern and also use five composites for eight types of risk encountered by the Bank and subsidiaries.

Bank dan entitas anak telah membentuk struktur organisasi manajemen risiko yang terpusat dan independen yang memiliki fungsi mengindentifikasi, mengukur, memonitor dan mengelola risiko-risiko dasar dan menetapkan pedoman serta kebijakan risiko.

The Bank and subsidiaries have established an independent and centralized organization structure for risk management which has the function to identify, measure, monitor and maintain basic risk and to set guidelines and risk policy.

Pengungkapan mengenai risiko kredit, risiko nilai tukar, risiko likuiditas, risiko suku bunga, risiko pasar dan risiko operasional telah diungkapkan dalam catatan tersendiri (Catatan 46, 47, 48, 49 dan 50).

The disclosure on credit risk, foreign exchange risk, liquidity risk, interest rate risk, market risk and operational risk has been made in separate notes (Notes 46, 47, 48, 49 and 50).

D 5LVLNRKXNXP

D /HJDOULVNV

Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan aspek yuridis dalam bisnis, yang antara lain disebabkan adanya tuntutan hukum, ketiadaan peraturan perundang-undangan yang mendukung, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan agunan yang tidak sempurna.

Legal risk is the risk raised by weaknesses in juridicial aspects of the business, which may be caused by legal claims, non-existence of supported regulation or weaknesses in agreements, such as unfulfilled terms and conditions in contracts and binding collateral which is not complete.

Bank dan entitas anak mengelola risiko hukum dengan memastikan seluruh aktivitas dan hubungan kegiatan usaha Bank dan entitas anak dengan pihak ketiga didasarkan pada aturan dan persyaratan yang dapat melindungi kepentingan Bank dari segi hukum.

Legal risks are managed by ensuring that all activities and business relationships between the Bank and subsidiaries with third parties are based on rules and conditions which able to protect the Bank’s and subsidiaries’ interests from a legal perspective.

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Risiko reputasi adalah risiko yang antara lain disebabkan oleh adanya publikasi negatif yang terkait dengan kegiatan usaha Bank dan entitas anak atau persepsi negatif terhadap Bank dan entitas anak.

Reputational risk is the risk that is caused by negative publicity related to the business activity of the Bank and subsidiaries or negative perception of the Bank and subsidiaries.

Bank dan entitas anak mengelola risiko reputasi dengan memastikan kesesuaian antara aktivitas kegiatan usaha Bank dan entitas anak bersama-sama dengan aktivitas lain sehingga reputasi Bank dan entitas anak tetap terjaga.

The Bank and subsidiaries manage their reputational risk by ensuring that its business activities are in conformity with its other activities, so as to maintain the Bank’s and subsidiaries’ reputation.

187 bank bjb Annual Report 2014

805

The original consolidated financial statements included herein are in the Indonesian language.

 

806

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Risiko strategis adalah risiko yang antara lain disebabkan adanya penetapan dan pelaksanaan strategi Bank dan entitas anak yang tidak tepat, pengambilan keputusan bisnis yang tidak tepat atau kurang responsifnya Bank dan entitas anak terhadap perubahan eksternal.

Strategic risk is the risk that is caused by inappropriate determination and implementation of the Bank and subsidiaries strategy, inappropriate business decisions or being un-responsive to external changes.

Bank dan entitas anak mengelola risiko strategis melalui proses pertimbangan dan pengambilan keputusan setiap kebijakan strategis secara kolektif dan komprehensif oleh Direksi dan Komite-Komite yang telah dibentuk.

The Bank and subsidiaries manage strategic risks through a consideration of, and decisionmaking process regarding every strategic policy in a collective and comprehensive manner performed by the established the Bank’s and subsidiaries’ Directors and Committees.

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Risiko kepatuhan adalah risiko yang timbul akibat Bank dan entitas anak tidak mematuhi dan/atau tidak melaksanakan peraturan perudang-undangan dan ketentuan yang berlaku, termasuk prinsip syariah bagi bank umum syariah dan Unit Usaha Syariah.

Compliance risk is the risk that rises because Bank and subsidiaries did not comply and/or did not follow the law and regulation, including sharia principle for sharia bank and Sharia Business Unit.

Bank dan entitas anak melaksanakan fungsi kepatuhan meliputi tindakan untuk:

Bank and subsidiaries perform compliance function including:

1.

Mewujudkan terlaksananya budaya kepatuhan pada semua tingkatan organisasi dan kegiatan usaha Bank dan entitas anak;

1.

To create compliance culture in all level of organitation and Bank’s and subsidiaries’ business activities;

2.

Mengelola risiko kepatuhan yang dihadapi oleh Bank dan entitas anak; tindakan mengelola risiko kepatuhan dilaksanakan dengan mengacu pada ketentuan Bank Indonesia mengenai Manajemen Risiko Bagi Bank Umum;

2.

Manages compliance risk face by the Bank and subsidiaries; managing compliance risk is based on Bank Indonesia’s regulation about Risk Management for the Bank and subsidiaries;

3.

Memastikan agar kebijakan, ketentuan, Sistem, dan prosedur serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; dan

3.

Ensure policy, regulation, system and procedure, and bank business activities inline with Bank Indonesia’s regulation and law, including sharia principle for sharia bank and sharia business unit; and

4.

Memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada Indonesia dan/atau otoritas pengawas lain yang berwenang.

4.

Ensure bank’s comitments made Indonesia and/or authority.

188 bank bjb Laporan Tahunan 2014

compliance with by the Bank to other monitoring

The original consolidated financial statements included herein are in the Indonesian language.

 

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Berdasarkan Keputusan Presiden Republik Indonesia No. 15 tahun 2004 tentang pengakhiran tugas dan pembubaran BPPN, dinyatakan dalam pasal 8 bahwa dengan diakhirinya tugas dan dibubarkannya BPPN, Program Penjaminan Pemerintah terhadap kewajiban pembayaran bank umum yang semula dilakukan oleh BPPN berdasarkan Keputusan Presiden Republik Indonesia No. 26 tahun 1998 dan Keputusan Presiden Republik Indonesia No. 27 tahun 1998, selanjutnya dilaksanakan oleh Menteri Keuangan melalui Unit Pelaksanaan Penjaminan Pemerintah (UP3) sebagaimana diatur oleh Keputusan Presiden Republik Indonesia No. 17 tahun 2004, yang diatur lebih lanjut dengan Keputusan Menteri Keuangan No. 84/KMK.06/2004 tanggal 27 Februari 2004 tentang Perubahan atas Keputusan Menteri Keuangan Republik Indonesia No. 179/KMK.017/2000 tentang Syarat, Tatacara dan Ketentuan Pelaksanaan Jaminan Pemerintah terhadap Kewajiban Pembayaran Bank Umum.

Based on Article 8 of the Decision No. 15 year 2004 of the President of the Republic of Indonesia regarding the termination of the role and windingup of IBRA, the Government Guarantee Program on the obligations of domestic banks, which was originally handled by IBRA based on the Decisions of the President of the Republic of Indonesia No. 26 year 1998 and No. 27 year 1998, shall be handled by the Ministry of Finance, specifically by the Government Guarantee Implementation Unit (Unit Pelaksanaan Penjaminan Pemerintah) (UP3) as provided in the Decision of the President of the Republic of Indonesia No. 17 year 2004, which was further regulated by the Decision No. 84/KMK.06/2004 dated February 27, 2004 of the Ministry of Finance regarding the Amendment of Decision No. 179/ KMK.017/2000 of the Ministry of Finance on the Terms, Implementing Guidelines, and Conditions of the Government Guarantees on the obligations of commercial banks.

Program Penjaminan Pemerintah melalui UP3 telah berakhir pada tanggal 22 September 2005, sebagaimana dinyatakan dalam Peraturan Menteri Keuangan Republik Indonesia No. 68/PMK.05/2005 tanggal 10 Agustus 2005 tentang Perhitungan Dan Pembayaran Premi Program Penjaminan Terhadap Pembayaran Bank Umum untuk periode 1 Juli sampai 21 September 2005. Sebagai pengganti UP3 Pemerintah telah membentuk Lembaga Independen, yaitu Lembaga Penjamin Simpanan (LPS) berdasarkan Undang-undang Republik Indonesia No. 24 tahun 2004 tanggal 22 September 2004 tentang Lembaga Penjamin Simpanan dimana LPS menjamin dana masyarakat termasuk dana dari bank lain dalam bentuk giro, deposito, sertifikat deposito, tabungan dan/atau bentuk lainnya yang dipersamakan dengan itu.

The Guarantee Program by the Government through UP3 ended on September 22, 2005, as stated in Regulation No. 68/PMK.05/2005 dated August 10, 2005 of the Ministry of Finance concerning the Calculation and Payments of Premium on Guarantee Program from Commercial Banks for the period July 1 to September 21, 2005. To replace UP3, the Indonesia Deposit Insurance Corporation (LPS), which is an independent institution that guarantees public funds including funds from other banks in the form of demand deposits, time deposits, certificates of deposit, savings deposits and/or other equivalent form, was established based on Law of the Republic of Indonesia No. 24 year 2004 dated September 22, 2004.

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008 mengenai Besarnya Nilai Simpanan yang Dijamin Lembaga Penjaminan Simpanan, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp2.000 untuk per nasabah per bank.

Based on Government Regulation No. 66 year 2008 dated October 13, 2008 regarding the Amount of Deposit Guaranteed by the Indonesia Deposit Insurance Corporation, the amount of deposit covered by LPS is up to Rp2,000 per depositor per bank.

Pada tanggal 13 Januari 2009, Pemerintah Republik Indonesia telah mengesahkan Perppu No. 3/2008 menjadi Undang-undang.

On January 13, 2009, the Government of the Republic of Indonesia stipulated Perppu No. 3/2008 to become a law.

Pada tahun yang berakhir pada tanggal 31 Desember 2014 dan 2013, Bank telah membayar premi program penjaminan masingmasing sebesar Rp117.954 dan Rp97.477.

The Bank paid a premium on the guarantee program amounting to Rp117,954 and Rp97,477 for the years ended December 31, 2014 and 2013, respectively.

189 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

808

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Pada tanggal 1 April 2008, Bank mengadakan perjanjian penyelenggaraan ATM Bersama dengan PT Artajasa Pembayaran Elektronik. Dalam perjanjian tersebut, Bank akan mendapatkan manfaat jaringan ATM Bersama di lebih dari 13.000 ATM di seluruh Indonesia. Perjanjian tersebut berlaku sampai dengan tanggal 31 Oktober 2015.

On April 1, 2008, the Bank entered into a Joint ATM agreement with PT Artajasa Pembayaran Elektronik. Based on this agreement, the Bank will utilize a joint ATM network of 13,000 ATM units throughout Indonesia. The agreement will due on October 31, 2015.

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Pada tanggal 1 April 2008. Bank telah mengadakan perjanjian penyediaan layanan operasional terminal ATM dengan PT Artajasa Pembayaran Elektronik. Dalam perjanjian tersebut. tanggung jawab PT Artajasa Pembayaran Elektronik meliputi penyediaan dan instalasi terminal ATM, Cash Deposit Machine (CDM) dan Drive Thru. Perjanjian tersebut telah diubah beberapa kali, terakhir dengan perjanjian No. 045/DIR-TI/2008 tanggal 1 November 2012.

On April 1, 2008. the Bank entered into an agreement for the provision of ATM terminal operational service by PT Artajasa Pembayaran Elektronik. Based on this agreement. PT Artajasa Pembayaran Elektronik is responsible for providing and installing ATM, Cash Deposit Machine (CDM), and Drive Thru terminals. The agreement was amended several times. the latest by agreement No. 045/DIR-TI/2008 dated November 1, 2012.

Dalam perjanjian kerjasama disebutkan jangka waktu penggunaan layanan operasional masing-masing terminal diperpanjang sampai dengan 31 Oktober 2015 dengan biaya sewa sebesar Rp987.000 (nilai penuh) per unit ATM.

The agreement mentioned the period of operating services will be extended up to October 31, 2015 with rental cost amounting to Rp987,000 (full amount) for each ATM unit.

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F &ROOHFWLRQRI7ROO)HHV The Bank has signed an agreements for toll fees collections with PT Jasa Marga (Persero) Tbk and several other companies summarized as follows:

Bank telah mengadakan perikatan pengumpulan uang tol dengan PT Jasa Marga (Persero) Tbk dan beberapa perusahan pengelola jalan tol lainnya dengan data sebagai berikut:

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CH.HK02.154 dan 619/BDG/PSU/2010

190 bank bjb Laporan Tahunan 2014

7DQJJDO 3HUMDQMLDQ $JUHHPHQW'DWH 1 September / September 1, 2010

The original consolidated financial statements included herein are in the Indonesian language.

 

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Berdasarkan perjanjian tersebut pengelola jalan tol memberi kuasa kepada Bank untuk mengambil hasil pendapatan tol dan menyimpannya di rekening pengelola jalan tol pada Bank.

Based on the agreement, the management of the toll roads gives authorization to the Bank to take the toll fees revenue in cash and deposit it in the management’s account at the Bank.

Masa berlakunya perjanjian sejak perjanjian ditandatangani dan dapat diperpanjang sesuai dengan kesepakatan para pihak.

The validity period of these agreements started since they were signed and can be extended in accordance with the agreements of the parties.

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1. Pada tanggal 17 Maret 2009 Bank telah melakukan kesepakatan bersama antara Tim Pembina Sistem Administrasi Manunggal Satu Atap (Samsat) Provinsi Jawa Barat tentang Pelayanan pengesahan Surat Tanda Nomor Kendaraan (STNK) setiap tahun, penerimaan Pajak Kendaraan Bermotor (PKB) dan Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan (SWDKLLJ) melalui Samsat di sentra-sentra Pelayanan Masyarakat Wilayah Jawa Barat No. 973/40-Dispenda dan No. 075/DIR-DJS/2009.

1. On March 17, 2009, Bank has conducted a mutual agreement Number.973/40Dispenda and Number.075/DIR-DJS/2009 with the Adviser Team of One Roof Administration System (Samsat) of West Java Province on the legistimation service for Certificate of Vehicle Registration Number (STNK) annually, collects vehicles tax revenues (PKB) and the Compulsory Fund Contribution of Road Traffic Accident (SWDKLLJ) throughout Samsat in the Community Services Centers of West Java area.

2. Pada tanggal 15 Maret 2012, telah ditandatangani Perjanjian Kerjasama Pelaksanaan Treasury National Pooling Rekening Pemerintah pada Bank dengan No. PRJ-3a/PB/2012 dan No. 037/PKS/DIR-INS/2012.

2. On March 15, 2012, has signed Agreements Number PRJ-3a/PB/2012 and Number 037/PKS/DIR-INS/2012 for Implementation National Pooling Treasury of the Government’s Account at the bank.

3.

Pada Tanggal 15 April 2013, telah ditandatangani Perjanjian Kerjasama dengan PT Garuda Indonesia (Persero) Tbk tentang Jasa Penerimaan Pembayaran Tiket Penerbangan Melalui Fasilitas Layanan Perbankan Elektronik dengan No. DS/PERJ/EC-3160/2013 dan No. 033/PKS/DIR-INS/2013.

3.

On April 15, 2013, have signed a cooperation agreement Number DS/PERJ/EC-3160/2013 and Number 033/PKS/DIR-INS/2013 with PT Garuda Indonesia (Persero)Tbk about flight ticket payment through electronic banking services

Pada Tanggal 5 Juli 2013, telah ditandatangani Perjanjian Kerjasama dengan PT. Aero Globe Indonesia (Aerotravel) tentang Jasa Layanan Pembelian Tiket Pesawat Garuda Indonesia dengan No 003/PKS-INS/2013 dan No 8005/DirAGI/ATR/Perj.

4.

On July 5, 2013, has signed a Cooperation Agreement Number 003/PKS-INS/2013 and Number 8005/DirAGI/ATR/Perj with PT.Aero Globe Indonesia (Aerotravel) about Garuda Ticketing Services.

4.

191 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

810

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Pada tanggal 29 Juni 2012, Bank telah melakukan Addendum Perjanjian Jasa Pelayanan Perbankan sebagai persepsi/ persepsi devisa Bank dalam rangka pelaksanaan Treasury Single Account Dirjen (TSA) Penerimaan dengan Perbendaharaan No. PRJ-59/PB/2012.

5. On June 29, 2012, the Bank has signed Banking Services Agreement Addendum Number PRJ-59/PB/2012 as the Bank’s perception/exchange perception in the context of the Treasury Single Account (TSA) with the Director General of Treasury Receipt.

Addendum tersebut dibuat setelah jangka waktu perjanjian kerjasama No. PRJ127/PB/2009 tanggal 29 Desember 2009 mengenai Perjanjian jasa pelayanan perbankan sebagai bank persepsi/devisa persepsi dalam rangka pelaksanaan Treasury Single Account (TSA) penerimaan, tujuan dibuatnya perjanjian kerjasama ini agar pelaksanaan penerimaan negara melalui bank persepsi/devisa persepsi dapat dilakukan secara tepat waktu dan tepat sasaran.

Addendum was signed after a period of time of agreement Number PRJ127/PB/2009 dated December 29, 2009 regarding the Treaty of banking services as collecting bank/ exchange perception in the context of the Treasury Single Account (TSA) Acceptance, purpose of the agreement is that the implementation of state revenue collected by bank/exchange perception can be done on time and on target.

6. Pada awal tahun 2014, Bank telah melakukan kerjasama tentang layanan penerimaan pembayaran Pajak Bumi dan Bangunan sektor Pedesaan dan Perkotaan (PBB-P2) dan Pajak Daerah lainnya secara online (bjb E-TAX) dengan 35 Pemerintah Kota dan Kabupaten se-Jawa Barat dan Banten yang dapat dilakukan di seluruh jaringan kantor dan jaringan elektronik Bank yang tersebar di seluruh Indonesia.

6. In early 2014, the Bank has an agreement on Service Tax Payment Receipt Land and Building Rural and Urban sectors (UN-P2) and other regional tax online (BJB E-TAX) with 35 Municipal and District around West Java and Banten, which is conducted in each office networks and electronic networks throughout Indonesia.

5.

7.



7. In early 2014, the Bank has agreements with 35 cities and regencies around West Java and Banten about the Regional Cash Management Account.

Pada awal tahun 2014, Bank telah melakukan kerjasama dengan 35 Kota dan Kabupaten se-Jawa Barat dan Banten tentang Pengelolaan Rekening Kas umum Daerah.

192 bank bjb Laporan Tahunan 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

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8. Pada tanggal 21 Januari 2014 Bank telah melakukan Kesepakatan Bersama antara BPK RI dengan PEMRPOV JABAR tentang Akses Data Transaksi Rekening Pemprov Jabar secara Online pada Bank dalam rangka Pemeriksaan Pengelolaan dan Tanggung Jawab Keuangan Daerah.

8. On January 21, 2014 the Bank has done a Memorandum of Understanding between the BPK PEMRPOV JABAR about Data Access Transaction Account Online In West Java province in order Bank in relation with Management and Fiscal Responsibility.

9. Pada tanggal 1 April 2014 Bank telah melakukan Kesepakatan Bersama antara BPK RI dengan 35 Kota dan Kabupaten di Wilayah Jawa Barat dan Banten tentang Akses Data Transaksi Rekening Pemerintah Kota dan Kabupaten secara online pada Bank.

9. On 1 April 2014 the Bank has BPK Agreement between the 35 cities and regencies in West Java and Banten on Transaction Data Access City and County Government Account online Bank.

10. Pada tanggal 25 April 2014 Bank telah melakukan Perjanjian Kerjasama tentang Penerimaan Pajak Kendaraan Bermotor (PKB) dan Balik Nama Kendaraan Bermotor (BBNKB) Melalui Kantor Bersama Samsat dan Sentra-sentra Pelayanan Masyarakat Wilayah Banten antara Prov Banten dengan Bank.

10. On 25 April 2014 the Bank has Cooperation Agreements on Motor Vehicle Tax Receipts (PKB) and of Vehicle (BBNKB) through call centers and the Center for Community Service-centers between Prov Banten Banten region with Bank.

11. Pada tanggal 23 Mei 2014 bank telah melakukan Perjanjian Kerjasama tentang Penerimaan Pembayaran Pajak Kendaraan Bermotor (PKB) dan Bea Balik Nama Kendaraan Bermotor (BBNKB) Melalui Kantor Bersama Samsat dan Sentra-Sentra Pelayanan Samsat Provinsi Jawa Barat antara Pemerintah Provinsi Jawa Barat dengan Bank. .



11. On May 23, 2014 the bank has done a Cooperation Agreement on Motor Vehicle Tax Payment Receipt (PKB) and Tax on Motor Vehicles (BBNKB) through call centers and service centers SAMSAT West Java Province by the Provincial Government of West Java with Bank.

193 bank bjb Annual Report 2014

811

The original consolidated financial statements included herein are in the Indonesian language.

 

812

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12. Pada tanggal 14 Maret 2013, Bank telah melakukan 2 (dua) penandatanganan Perjanjian Kerjasama dengan PT Jamsostek (Persero) antara lain tentang pemberian dan pemanfaatan fasilitas Cash Management, kerjasama pengelolaan rekening giro.

12. On March 14, 2013, the Bank has signed 2 (two) Joint Agreements between PT Jamsostek (Persero) on providing and using Cash Management facilities, current account management cooperation,

13. Pada tanggal 12 Februari 2013, Bank telah melakukan 4 penandatanganan Nota Kesepahaman dan Perjanjian Kerjasama dengan Universitas Pasundan antara lain Nota Kesepahaman tentang Jasa Layanan Perbankan, Kerjasama Penggunaan Cash Management untuk Layanan Informasi Keuangan Perbankan (Account Service), Layanan Cash Management untuk Pembayaran Biaya Pendidikan Mahasiswa (Education Payment) serta pemanfaatan fasilitas Kartu ATM Co-Branding.

13. On February 12, 2013, the Bank has signed 4 Memorandum of Understanding and Cooperation Agreement with the University Pasundan including Memorandum of Understanding on Banking Services, Cash Management Cooperation Using Financial Banking Information Services (Accounts Service), Cash Management Services Student Tuition Payment (Education Payment) and the use of ATM Card Co-Branding facilities.

14. Pada tanggal 23 Oktober 2013, Bank melakukan penandatanganan Nota Kesepahaman dengan PT. Pertamina (Persero) tentang Kerjasama Bisnis Korporasi dan Jasa Layanan Perbankan dan telah dilakukan penandatangan Letter Of Intent (LOI) dengan PT. Pertamina Retail tentang Kerjasama Penyediaan Bahan Bakar Minyak Untuk Kendaraan Operasional Bank.

14

15. Pada Tanggal 2 Desember 2013 telah dilakukan penandatangan dengan PT Pertamina Retail tentang penyediaan bahan bakar.

15. On December 2, 2013, has signed a Cooperation Agreement with PT Pertamina Retail about fuel supply.

194 bank bjb Laporan Tahunan 2014

On October 23, 2013, the Bank has signed Memorandum of Understanding with PT Pertamina (Persero), about Business Development and Corporate Banking Services and has signed a Letter of Intent with PT. Pertamina Retail about Cooperation in providing fuel for the Bank Operation Vehicle.

The original consolidated financial statements included herein are in the Indonesian language.

 

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16. Pada tanggal 19 Desember 2013 Bank melakukan penandatanganan Nota Kesepahaman dengan PT Telkom Tbk tentang kerjasama Sinergi Pemanfaatan Produk dan Jasa.

16. On December 19, 2013, Bank has signed Memorandum of Understanding with PT Telkom Tbk about cooperation Synergy Products and Services.

17. Pada tanggal 18 Agustus 2014 Bank telah melakukan perjanjian kerjasama tentang Penyaluran Dana Program Pemuda sarjana Penggerak Pembangunan di Perdesaan (PSP3).

17. On August 18, 2014 the Bank has entered into agreements on distribution of undergraduate Youth Program Fund Drive in Rural Development (PSP3).

18. Pada tanggal 20 November 2014, Bank telah melakukan penandatanganan Perjanjian Kerjasama dengan BPJS Ketenagakerjaan Kantor Wilayah jawa Barat tentang Layanan Perbankan dan Perluasan Kepesertaan.

18. On November 20, 2014, the Bank has signed Joint Agreements with BPJS Ketenagakerjaan (West Java Regional Office) on providing a banking services and expanding a participation of BPJS Ketenagakerjaan.

19. Pada tanggal 9 Oktober 2013, Bank telah melakukan penandatanganan Nota Kesepahaman dengan Kementerian Tenaga Kerja dan Transmigrasi tentang penggunaaan Jasa dan Layanan Perbankan.

19. On October 9, 2013, the Bank has signed Memorandum of Understanding with Ministry of Manpower and Transmigration on providing a banking services.

20. Pada tanggal 20 Desember 2013, Bank telah melakukan penandatanganan Perjanjian Kerjasama dengan Direktorat jenderal Pembinaan Penempatan Tenaga Kerja Kementerian Tenaga Kerja dan Transmigrasi tentang penggunaaan Jasa dan Layanan Perbankan dalam rangka penyelenggaraan program penempatan dan perlindungan serta pemberdayaan tenaga kerja Indonesia.

20. On December 20, 2013, the Bank has signed Joint Agreement with Dirjen Binapenta Ministry of Manpower and Transmigration on providing a banking services. in order to organizing the placement program and protection of Indonesian labor empowerment.

21. Pada tanggal 19 Desember 2014, Bank telah melakukan penandatanganan Nota Kesepahaman dengan PT PP London Sumatra Indonesia, Tbk tentang Jasa dan Layanan Perbankan.

21. On December 19, 2014 the Bank has signed Memorandum of Understanding with PT PP London Sumatra Indonesia, Tbk on providing a banking services.

21. Pada tanggal 19 Desember 2014, Bank telah melakukan penandatanganan Perjanjian Kerjasama dengan PT PP London Sumatra Indonesia, Tbk tentang Layanan Pembayaran Gaji Karyawan.

22. On December 19, 2014, the Bank has Signed Memorandum of Understanding with PT PP London Sumatra Indonesia, Tbk on providing a banking Payroll.

195 bank bjb Annual Report 2014

813

The original consolidated financial statements included herein are in the Indonesian language.

 

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23. Pada tanggal 31 Oktober 2014 Bank telah melakukan penandatanganan Perjanjian Kerjasama dengan Pemprof DKI tentang Penerimaan Pembayaran PBB-P2, Pajak Air Tanah, Pajak Reklame, dan BPHTB Prov. DKI Jakarta.

23. On October 31, 2014 the Bank has signed a Cooperation Agreement with the city of Acceptance Payment Pemprof UN-P2, Groundwater tax, advertisement tax, and BPHTB Prov. Jakarta.

23. Pada tanggal 22 November 2014 Bank telah melakukan penandatanganan Perjanjian Kerjasama dengan Pembina Samsat Provinsi Jawa Barat tentang Pelayanan Pembayaran Pajak Kendaraan Bermotor (PKB),Sumbangan Wajib Dana Kecelakaan lalu Lintas Jalan (SWDKLLJ), Serta Registrasi Dan Identifikasi Kendaraan Bermotor Pengesahan STNK Tahunan Di Daerah Hukum Kepolisian Daerah Jawa Barat Melalui Seluruh Jaringan Kantor Dan Jaringan Elektronik Bank.

24. On 22 November 2014 the Bank has signed a Cooperation Agreement with the Trustees SAMSAT West Java province on Payment Services Motor Vehicle Tax (PKB), Mandatory Contribution Fund of road traffic accidents (SWDKLLJ), as well as the Motor Vehicle Registration and Identification Annual vehicle registration Approval of Regional Law West Java Regional Police Office Through entire Network and Electronic Networks.

24. Pada tanggal 14 Februari 2015 Bank telah melakukan penandatanganan Perjanjian Nota Kesepahaman (MoU) dengan Forum Komunikasi Masyarakat Tatar Sunda tentang Penggunaan Produk dan Jasa Layanan Perbankan.

25. On February 14, 2015, the Bank has Signed Memorandum of Understanding with Forum Komunikasi Masyarakat Tatar Sunda on usage of banking products and services.

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Berikut ini ikhtisar PSAK yang diterbitkan oleh Dewan Standar Akuntansi Keuangan (DSAK) - IAI yang relevan untuk Bank, namun belum berlaku efektif untuk laporan keuangan konsolidasian 31 Desember 2014:

The following summarizes the SFAS which were issued by the Financial Accounting Standards Board (FASB) and are relevant to the Bank, but not yet effective to the Bank on consolidated financial statements as of December 31, 2014:

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a.

a.

PSAK No. 1 (Revisi 2013), ”Penyajian Laporan Keuangan”, yang diadopsi dari IAS 1, mengatur perubahan penyajian kelompok pospos dalam Penghasilan Komprehensif Lain. Pos-pos yang akan direklasifikasi ke laba rugi disajikan terpisah dari pos-pos yang tidak akan direklasifikasi ke laba rugi.

196 bank bjb Laporan Tahunan 2014

SFAS No. 1 (Revised 2013), “Presentation of Financial Statement”, adopted from IAS 1, which regulates the amendments presentation to group items of Other Comprehensive Income. Items which reclassified to income statement are presented separately from items not reclassified to income statement.

The original consolidated financial statements included herein are in the Indonesian language.

 

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b.

PSAK No. 24 (Revisi 2013), ”Imbalan Kerja”, yang diadopsi dari IAS 19, yang menghapus mekanisme koridor dan pengungkapan atas informasi liabilitas kontinjensi untuk menyederhanakan klarifikasi dan pengungkapan.

b.

SFAS No. 24 (Revised 2013), “Employee Benefits”, adopted from IAS 19, which eliminates corridor approach and disclosure about contingent liability information to simplify clarification and disclosure.

c.

PSAK No. 46 (Revisi 2014), ”Pajak Penghasilan”, yang diadopsi dari IAS 12. PSAK ini memberikan tambahan pengaturan untuk aset dan liabilitas pajak tangguhan yang berasal dari aset yang tidak disusutkan yang diukur dengan menggunakan model revaluasi, dan yang berasal dari properti investasi yang diukur dengan menggunakan model nilai wajar.

c.

SFAS No. 46 (Revised 2014), “Income Taxes”, adopted from IAS 12. This SFAS now provides additional provision for deferred tax asset or deferred tax liability arises from a nondepreciable asset measured using the revaluation model, and those arises from investment property that is measured using the fair value model.

d.

PSAK No. 48 (Revisi 2014), ”Penurunan Nilai Aset”, yang diadopsi dari IAS 36. PSAK ini memberikan tambahan persyaratan pengungkapan untuk setiap aset individual atau unit penghasil kas yang mana kerugian penurunan nilai telah diakui atau dibalik selama periode.

d.

SFAS No. 48 (Revised 2014), “Impairment of Assets”, adopted from IAS 36. This SFAS provides additional disclosure terms for each individual asset (including goodwill) or a cashgenerating unit, for which an impairment loss has been recognized or reversed during the period.

e.

PSAK No. 50 (Revisi 2014), ”Instrumen Keuangan: Penyajian”, yang diadopsi dari IAS 32. PSAK ini mengatur lebih dalam kriteria mengenai hak yang dapat dipaksakan secara hukum untuk melakukan saling hapus atas jumlah yang telah diakui dan kriteria penyelesaian secara neto.

e.

SFAS No. 50 (Revised 2014), “Financial Instruments: Presentation”, adopted from IAS 32. This SFAS provides deeper about criterion on legally enforceable right to set off the recognized amounts and criterion to settle on a net basis.

f.

PSAK No. 55 (Revisi 2014), ”Instrumen Keuangan: Pengakuan dan Pengukuran”, yang diadopsi dari IAS 39. PSAK ini, antara lain, menambah pengaturan kriteria instrumen lindung nilai yang tidak dapat dianggap telah kedaluarsa atau telah dihentikan, serta ketentuan untuk mencatat instrumen keuangan pada tanggal pengukuran dan pada tanggal setelah pengakuan awal.

f.

SFAS No. 55 (Revised 2014), “Financial Instruments: Recognition and Measurement”, adopted from IAS 39. This SFAS, among other, provides additional provision for the criteria of not an expiration or termination of the hedging instrument, and provision to account financial instruments at the measurement date and after initial recognition.

g.

PSAK No. 60 (Revisi 2014), ”Instrumen Keuangan: Pengungkapan”, yang diadopsi dari IFRS 7. PSAK ini, antara lain, menambah pengaturan pengungkapan saling hapus dengan informasi kuantitatif dan kualitatif, serta pengungkapan mengenai pengalihan instrumen keuangan.

g.

SFAS No. 60 (Revised 2014), “Financial Instruments: Disclosures”, adopted from IFRS 7. This SFAS, among other, provides additional provision on offsetting disclosures with quantitative and qualitative information, and disclosures on transfers of financial instruments.

197 bank bjb Annual Report 2014

The original consolidated financial statements included herein are in the Indonesian language.

 

816

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h.

PSAK No. 65 “Laporan Keuangan Konsolidasi”, yang diadopsi dari IFRS 10, menggantikan porsi PSAK No. 4 (Revisi 2009) yang mengenai pengaturan akuntansi untuk laporan keuangan konsolidasian, menetapkan prinsip penyusunan dan penyajian laporan keuangan konsolidasian ketika entitas mengendalikan satu atau lebih entitas lain.

h.

SFAS No. 65, ”Consolidated Financial Statements”, adopted from IFRS 10, revised the SFAS No. 4 (Revised 2009) provides guidance on accounting treatment for consolidated financial statements and the principal in preparing and presentating consolidated financial statements when an entity control one or more other entity.

i.

PSAK No. 66, “Pengaturan Bersama”, yang diadopsi dari IFRS 11, menggantikan PSAK No. 12 (Revisi 2009) dan ISAK No. 12. PSAK ini menghapus opsi metode konsolidasi proporsional untuk mencatat bagian ventura bersama.

i.

SFAS No. 66, ”Joint arrangement”, adopted from IFRS 11, replacing SFAS No. 12 (Revised 2009) and ISAK No. 12. This SFAS remove proportional consolidated method option in recording portion part of joint venture.

j.

PSAK No. 67, “Pengungkapan Kepentingan dalam Entitas Lain”, yang diadopsi dari IFRS 12, mencakup semua pengungkapan yang diatur sebelumnya dalam PSAK No. 4 (Revisi 2009), PSAK No. 12 (Revisi 2009) dan PSAK No. 15 (Revisi 2009). Pengungkapan ini terkait dengan kepentingan entitas dalam entitasentitas lain.

j.

SFAS No. 67, ”Disclosure of Interests in Other Entities”, adopted from IFRS 12, include all disclosure which previously mention in SFAS No. 4 (Revised 2009), SFAS No. 12 (Revised 2009) and SFAS No. 15 (Revised 2009). This disclosure related to the interests in other entities.

k.

PSAK No. 68, ”Pengukuran Nilai Wajar”, yang diadopsi dari IFRS 13, memberikan panduan tentang bagaimana pengukuran nilai wajar ketika nilai wajar disyaratkan atau diizinkan.

k.

SFAS No. 68, ”Fair Value Measurement”, adopted from IFRS 13, provides guidance on how to determine fair value and requires disclosures about fair value measurement.

The Bank is currently evaluating and has not yet determined the impact of these issued SFAS on its consolidated financial statements.

Saat ini Bank sedang mengevaluasi dan belum menetapkan dampak dari PSAK yang dikeluarkan tersebut terhadap laporan keuangan konsolidasian.  3(1<(/(6$,$1 .2162/,'$6,$1

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The Management of the Bank is responsible for the preparation of the accompanying consolidated financial statements that were completed and authorized for issue by the Bank’s Directors on March 4, 2015.

Manajemen Bank bertanggung jawab penuh terhadap penyusunan laporan keuangan konsolidasian terlampir yang diselesaikan dan disetujui untuk diterbitkan oleh Direksi Bank pada tanggal 4 Maret 2015.

198 bank bjb Laporan Tahunan 2014

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



352),/3(0,03,1',9,6,%$1.%-%

-$-$-$5.$6,+

5$+0$7

58'<'+,$1':,0$<$

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bank bjb Laporan Tahunan 2014

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62),685<$61,$

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



352),/3(0,03,1',9,6,%$1.%-%

$*8608/<$1$

6,6:$&+<8',

1(1(1*+$<$7,

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bank bjb Laporan Tahunan 2014

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bank bjb Annual Report 2014

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-$5,1*$1.$1725 2)),&(61(7:25.

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

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

,"/503,"4 $BTI0GmDF RSUD Cibinong +M,43%BEJ,VTNBZBEJ/P ,BCVQBUFO#PHPS 1"4"3$*"8* +M3BZB4FHJUJHB1VODBL,FDBNBUBO $JBXJ,BCVQBUFO#PHPS 1"4"3$*#*/0/( +M3BEFO-VLNBO/P$JCJOPOH ,BCVQBUFO#PHPS *5$$*#*/0/( +M.BZPS0LJOH/P$JCJOPOH ,BCVQBUFO#PHPS ,,%JTQFOEB,BC#PHPS (FEVOH%JTQFOEB1FNFSJOUB,BCVQBUFO #PHPS +M5FHBS#FSJNBO,PNQ1FSLBOUPSBO Pemda Cibinong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ayment Point RSUD Cibinong +M,43%BEJ,VTNBZBEJ/P ,BCVQBUFO#PHPS

bank bjb Laporan Tahunan 2014

1"4"3$*"8* +M3BZB4FHJUJHB1VODBL,FDBNBUBO $JBXJ,BCVQBUFO#PHPS 1"4"3$*#*/0/( +M3BEFO-VLNBO/P$JCJOPOH ,BCVQBUFO#PHPS *5$$*#*/0/( +M.BZPS0LJOH/P$JCJOPOH ,BCVQBUFO#PHPS 114BNTBU*5$$JCJOPOH +M.BZPS0LJOH/P $JCJOPOH ,BC#PHPS 4BNTBU8JMBZBI,BC#PHPS ,"/503$"#"/( #SBODI0GmDF $"#"/(5"/(&3"/( #BOL%&7*4" 5IF.PEFSO(PMG4IPQ)PVTFT/P ,FM,FMBQB*OEBI ,FD5BOHFSBOH ,PUB5BOHFSBOH 1SPW#BOUFO 1IPOF    GBY  .$1725&$%$1*3(0%$178 46##SBODI0GmDF $*-&%6( $FOUSBM#VTJOFTT%JTUSJDU$JMFEVH $JMFEVH'BNJMZ.BMM

3VLP%/P +M)04$PLSPBNJOPUP/P ,FM,BSBOH5FOHBI ,FD$JMFEVH ,PUB5BOHFSBOH 1IPOF 'BY 5"/(&3"/($*5: 3VLP#VTJOFTT1BSL5BOHFSBOH$JUZ #MPL#/P ,FM#BCBLBO ,FD5BOHFSBOH ,PUB5BOHFSBOH 1SPQJOTJ#BOUFO 5FMQ   'BY   4&1"5"/ +M3BZB.BVL,N/P %FTB4FQBUBO ,FD4FQBUBO ,BC5BOHFSBOH 1SPQJOTJ#BOUFO 5FMQ    'BY   ("%*/(4&310/( +M3BZB4FSQPOH,N/P ,FM1BLVBMBN ,FD4FSQPOH6UBSB ,BC5BOHFSBOH 1SPQJOTJ#BOUFO 5FMQ   'BY  

,$1$*10/%0) +M,))BTZJN"TIBSJ ,FDBNBUBO$JQPOEPI,PUB5BOHFSBOH 5FMQ 'BY ,$1+"5*686/( +M(BUPU4VCSPUP,N /P" +BUJVXVOH,BCVQBUFO5BOHFSBOH 5FMQ 'BY ,$1,�/#&4"3 +M3BZB)BMJN1FSEBOB,VTVNB ,FMVSBIBO+VSVNVOEJ#BSV ,FDBNBUBO#FOEB,BCVQBUFO Tangerang 5FMQ 'BY ,$15&-6,/"(" ,BNQVOH.FMBZV#BSBU/P**$35 RW 02 ,FDBNBUBO5FMVL/BHB,BCVQBUFO Tangerang 5FMQ 'BY (-0#"-."/4*0/ 3VLP(MPCBM.BOTJPO#MPL3#/PEBO #MPL3#/P,FM1SJPL,FD1SJPLLPUB Tangerang i5MQ “ $*.0/& +M.FSEFLB/P,FMVSBIB(FSFOEFOH ,FDBNBUBO5BOHFSBOH ,$1,3&0 +M)04$PLSPBNJOPUP/P35 ,FM,SFP4FMBUBO,FD-BSBOHBO,PUB 5BOHFSBOH4FMBUBO $*,0,0,PNQ.BILPUB.BT++M.)5IBNSJO ,FM$JLPLPM,FD5BOHFSBOH,PUB Tangerang 5FMQ 'BY ,"/503,"4 $BTI0GmDF 1&.%",05"5"/(&3"/( +M4BUSJB4VEJSNBO/P ,PUB5BOHFSBOH 1IPOF 'BY ,,8BSPFOHCKC$JMFEVH +BMBO$PLSPBNJOPUP/P,FMTVEJSNBO #BSBU$JMFEVH5BOHFSBOH ,,8BSPFOHCKC,Q.FMBZV#BSBU +BMBO4BMFNCBSBO/P%FTB,BNQVOH .FMBZV5JNVS,FD5FMVL/BHB,PUB Tangerang

3465"/(&3"/( +M+FOE":BOJ/P ,PUB5BOHFSBOH 1IPOF 5*("3",4" +M4PNBXJOBUB/P -JOHLVOHBO(FEVOH4FLEB ,PNQ1FNEB,BC5BOHFSBOH 1IPOF 'BY ,,8BSPFOHCKC1BTBS"OZBS5BOHFSBOH +M,JBTOBXJ,FM4VLBSBTB ,PUB5BOHFSBOH ,,8BSPFOHCKC1SPSJT +BMBO3BZB3VLP1PSJT*OEBI#MPL" /P$JQPOEPI,PUB5BOHFSBOH ,,8BSPFOHCKC1BTBS,VUB#VNJ +M,JBTOBXJ,FM4VLBSBTB ,PUB5BOHFSBOH 5*5*,1&.#":"3"/ Payment Point 1##,"#5"/(&3"/(,PTBNCJ $JLPLPM +M1FSJOUJT,FNFSEFLBBO ,BOUPS1FMBZBOBO1BKBL 1##5"/(&3"/( 1IPOF LPTBNCJ 1##,05"5"/(&3"/( ,PNQ1FSLBOUPSBO,PUB5BOHFSBOH +M4BUSJB4VEJSNBO5.15BSVOB ,PUB5BOHFSBOH ,111SBUBNB,BSBXBDJ +M*NBN#POKPM/P Tangerang ,111SBUBNB5JHBSBLTB +M1FSNBUBSBZB$/P -JQQP,BSBXBDJ UBOHFSBOH (&%6/((3")" (FEVOH(SBIB +M%BBO.PHPU ,PUB5BOHFSBOH ,"/503$"#"/( #SBODI0GmDF $"#"/(4&3"/( +M7FUFSBO/P 4FSBOH 1SPW#BOUFO 1IPOF   'BY   UFMFY#1%4(*" ,PEF$BCBOH

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

 2)),&(61(7:25.

.$1725&$%$1*3(0%$178 46##SBODI0GmDF $*,"/%& +M3BZB+BLBSUB4FSBOH,N %FTB5BNCBL ,FD,JCJO$JLBOEF ,BC4FSBOH 1SPW#BOUFO 1IPOF  'BY $*36"4 +M3BZB+BLBSUB ,BNQVOH,XBSPO %FTB$JUFVSFVQ ,FDBNBUBO$JSVBT ,BCVQBUFO4FSBOH 1SPW#BOUFO 5FMQ    'BY   #"304 #MPL$JLFEPLBO ,FM#BSPT ,FD#BSPT ,BC4FSBOH 1SPW#BOUFO 5FMQ    'BY   ,3"."58"56 +M3BZB4FSBOH,N  3538 %FTB,SBNBUXBUV  ,FD,SBNBUXBUV ,BC4FSBOH 1SPWJOTJ #BOUFO

5*35":"4" +M$JQUBZBTB%FTB1POUBOH,FDBNBUBO 1POUBOH,BC4FSBOH #0+0/&("3" +M3BZB4VNVSBOKB%T4VNVSBOEB,FD 1VMPBNQF,BC4FSBOH $*0."4 3VLP)K4BSXJUJ1BTBS$JPNBT4FCFMBI -1,$JPNBT,BC4FSBOH 5FMQ PETIR +MSBZBQFUJSUVOKVOHUFKB,QLFCPOTBXP 35%FTBNFLBSCBSVTFSBOH +"8*-"/ +MSBZBDJLBOEFSBOHLBTCJUVOH,. ,Q/BOHFMBQTETOBOHFMBLFDLPQP TFSBOH ,"3"/("/56 1FSVN.JOB#BLUJ#MPL"/PLFD ,BSBOHBOUVTFSBOH ,, Pemkab Serang +M7FUFSBO/P4FSBOH EJEBMBN MMJOHLVOHBOQFNLBC

3"6 +-4&."6/#",3*/0,05" 4&3"/(

5*5*,1&.#":"3"/ Payment Point

1"-*." ,Q"OENPJ35%FTB4VLBXBOB ,FD$VSVH,PUB4FSBOH

1##,"#4&3"/( +M+FOE":BOJ/P 4FSBOH1SPQJOTJ#BOUFO

46%*3."/4&3"/( +BMBO+FOEFSBM4VEJSNBO/P35 38,PUB4FSBOH

,"/503$"#"/( #SBODI0GmDF $"#"/($*-&(0/#"/,%&7*4" +M"INBE:BOJ/P ,FM4VLNBKBZB ,FD+PNCBOH ,PUB$JMFHPO 1SPW#BOUFO 1IPOF   'BY UFMFY#1%$**"

,"/503,"4 $BTI0GmDF RSUD Serang +M3VNBI4BLJU6NVN/P 4FSBOH 1SPW#BOUFO 1IPOF 'BY ,1#4FSBOH (E%JOBT1FOHFMPMBBO,FVBOHBO "TFU%BFSBI 1SPWJOTJ#BOUFO +M4ZFI/BXBXJ"M#BOUBOJ1BMJNB 4FSBOH1SPQJOTJ#BOUFO 1IPOF 'BY 1"4"3-"." -"1&/5" +M3BZB+BLBSUB,.1BLVQBUBO 4FSBOH

.$1725&$%$1*3(0%$178 46##SBODI0GmDF

,"/503,"4 $BTI0GmDF

1&.%","##&,"4* %&-5"."4

3VLP-PVSF1BMBJT%F1BSJT#MPL$/P

1&.,05$*-&(0/

,BXBTBO%FMUB.BT ,FD$JLBSBOH 1VTBU ,BC#FLBTJ 5FMQ  'BY

346%$*-&(0/ +M,BQU15FOEFBO,N $JMFHPO +-45"4*6/ +M4UBTJVO/P%T+PNCBOH8FUBO,FD $JMFHPO ,,8BSPFOHCKC.BZPmFME .BZPmFME4VQFSNBMM+M4"5JSUBZBTB 4JNQBOH5JHB.BZPmFME.BMM ,,8BSPFOHCKC1BTBS,SBOHHPU +M1BTBS#BSV4VLNBKBZB,FD+PNCBOH $JMFHPO 5*5*,1&.#":"3"/ Payment Point ,111SBUBNB$JMFHPO +M":BOJ/P ,PUB$JMFHPO 1SPW#BOUFO 5FMQ  'BY ,"/503$"#"/( #SBODI0GmDF $"#"/($*,"3"/( +M)6TNBS*TNBJM,BW.PWJFMBOE ,BXBTBO+BCBCFLB%FTB.FLBSNVLUJ ,FD$JLBSBOH6UBSB,BC#FLBTJ 1IPOF GBY .$1725&$%$1*3(0%$178 46##SBODI0GmDF +"#"#&," $JLBSBOH$PNNFSDJBM$FOUFS #MPL#/P +M3BZB$JLBSBOH$JCBSVTBI,N ,FM1BTJS4BSJ ,FD$JLBSBOH6UBSB ,BC#FLBTJ 5FMQ    'BY

.&3", +M3&.BSUBEJOBUB/P ,FM.FLBSTBSJ ,FD1VMP.FSBL ,PUB$JMFHPO 1SPW#BOUFO 5FMQ    'BY

5".#6/ ,PNQMFL3VLP1MB[B.FUSPQPMJUBO #MPL"/P ,FD$JCJUVOH ,BC#FLBTJ 1IPOF 'BY

"/:"3 +M4JSJI/P %FTB"OZBS ,FD"OZBS ,BC4FSBOH 1SPW#BOUFO 5FMQ   'BY  

,$1#"#&-"/ +BMBO3BZB#BCFMBO,N35 ,FD#BCFMBO ,BC#FLBTJ 5FMQ  'BY

46,"3&4.* +M3BZB$JCBSVTBI,BWMJOH/P Ruko Cikarang Point ,FD$JLBSBOH4FMBUBO ,BC#FLBTJ 5FMQ 'BY 46,"5"/* +M3BZB1JMBS4VLBUBOJ,Q#MPLBOH35 %FTB,BSBOH4FOUPTB ,FD ,BSBOH#BIBHJB,BC#FLBTJ 5FMQ 'BY ,"/503,"4 $BTI0GmDF 1&.%","##&,"4* %FMUB.BT

,PNQ1FSLBOUPSBO1FNEB,BC#FLBTJ %FTB4VLBNBIJ ,FD$JLBSBOH1VTBU ,BC#FLBTJ 5FMQ 'BY ,,346%,BC#FLBTJ +M5FVLV6NBS,N%FTB8BOBTBSJ Cibitung ,BC#FLBTJ ,,#1/,BC#FLBTJ ,PNQ1FSLBOUPSBO1FNEB,BC#FLBTJ %FTB4VLBNBIJ ,FD$JLBSBOH1VTBU,BC#FLBTJ 5MQ'BY ,,8BSPFOHCKC5BNCVO6UBSB 3VLP1BTBEFOBCMPL%OPWJMB mutiara gading 2 ,BC#FLBTJ ,,8BSPFOHCKC1BTBS4VLBUBOJ ,Q4SFOHTFOH+BZB35 %T4VLBEBNBJ ,FD4VLBUBOJ,BC#FLBTJ ,,8BSPFOHCKC5BNCVO4FMBUBO 1BTBS.PEFSO(SBOE8JTBUB#MPL13 /P%FTB-BNCBOH4BSJ ,FD5BNCVO4FMBUBO,BC#FLBTJ ,,8BSPFOHCKC5BSVNBKBZB ,QCBMJ35%FTB1BOUBJNBLNVS ,FD5BSVNBKBZB,BC#FLBTJ

$*10$0, +M3BZB1FUJS35,FMVSBIBO $JQPDPL+BZB,PUB4FSBOH

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

,,8BSPFOHCKC$JCBSVTBI +M3BZB$JCBSVTBI,PUB ,FD$JCBSVTBI,BC#FLBTJ ,,8BSPFOHCKC$JCJUVOH #FLBTJ3FHFODZ**/P"8BOBTBSJ Cibitung ,BC#FLBTJ ,,8BSPFOHCKC$JLBSBOH#BSBU +M*NBN#POKPM/P$JBLSBOHCBSBU ,BCCFLBTJ ,,8BSPFOHCKC$JLBSBOH#BSV +M5BSVN#BSBU#MPL"/P3VLP 5IFSPZBMHSBOEF ,FDDJLBSBOHQVTBU,BCCFLBTJ ,,8BSPFOHCKC$JLBSBOH4FMBUBO ,Q4FSBOH3538%FTB Sukadamai ,FD$JLBSBOH4FMBUBO,BCCFLBTJ ,,8BSPFOHCKC$JLBSBOH6UBSB 4FOUSB/JBHB4RVBSF#MPL"/P Cikarang Utara ,BC#FLBTJ

5*5*,1&.#":"3"/ Payment Point ,111SBUBNB$JLBSBOH4FMBUBO +M$JLBSBOH#BSV3BZB 0GmDF1BSL/P $JLBSBOH ,BC#FLBTJ 114BNTBU5BNCVO1MB[B.FUSPQPMJUBO 1MB[B.FUSPQPMJUBO-U +M4VMUBO)BTBOVEJO 5BNCVO4FMBUBO ,BC#FLBTJ 4BNTBU,BCVQBUFO#FLBTJ +M*OEVTUSJ/P $JLBSBOH ,BCVQBUFO#FLBTJ ,"/503$"#"/( #SBODI0GmDF $"#"/(#&,"4* #BOL%&7*4" +M*S)%KVBOEB/P #&,"4* 1IPOF   GBY   UFMFY#1%#,4*" .$1725&$%$1*3(0%$178 46##SBODI0GmDF #"/5"3(&#"/( +M3BZB/BSPHPOH,N/P #BOUBSHFCBOH#FLBTJ 1IPOF  'BY

bank bjb Laporan Tahunan 2014

,3"/+* ,PNQ1FSUPLPBO4FOUSB,SBOKJ#BSV /P" +M#JOUBSB3BZB/P ,SBOKJ#FLBTJ 1IPOF  'BY .&%"/4"53*" 3VLP#VMFWBS)JKBV#MPL# $/P ,FMVSBIBO1FKVBOH ,FDBNBUBO.FEBO Satria ,PUB#FLBTJ 5FMQ    'BY   ,$1")."%:"/* 4FOUSB/JBHB,BMJNBMBOH#MPL"/P +BMBO"INBE:BOJ/P ,FM.BSHBKBZB ,FD#FLBTJ4FMBUBO ,PUB#FLBTJ 5FMQ 'BY ,$1("-"9* +M5BNBO(BMBYJ#MPL"/P ,FM+BLBTFUJB ,FD#FLBTJ4FMBUBO ,PUB#FLBTJ 5FMQ 'BY ,$1,"-*."4 3VLP,BMJNBT$ +M$IBJSJM"OXBS ,FD#FLBTJ5JNVS ,PUB#FLBTJ 5FMQ 'BY ,$1+"5*"4*) +M3BZB+BUJBTJI/P3VLP4#4 ,FD+BUJBTJI,PUB#FLBTJ 5FMQ  'BY SETU ,Q#VSBOHLFOH35 %T#VSBOHLFOH,FD4FUV,BC#FLBTJ 5FMQ 'BY 8*4.""43* +M1FSKVBOHBO/P8JTNB"TSJ5FMVL 1JDVOH#FLBTJ6UBSB 5FMQ 'BY ,"/503,"4 $BTI0GmDF 346%,PUB#FLBTJ +M1SBNVLB/P #FLBTJ 5FMQ 'BY

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

1FNEB#FLBTJ +M*S)%KVBOEB/P #FLBTJ 4BNTBU.BMM1POEPLHFEF .BMM1POEPLHFEF #BTFNFOU)ZQFSNBSU /P +M3BZB+BUJXBSJOHJO #FLBTJ 4BNTBU,PUB#FLBTJ +M"INBE:BOJ/P ,PUB#FLBTJ ,"/503$"#"/( #SBODI0GmDF $"#"/(1638","35" +M+FOESBM4VEJSNBO/P ,BC1VSXBLBSUB 1IPOF  GBY UFMFY#1%18,*" .$1725&$%$1*3(0%$178 46##SBODI0GmDF 1-&3&% +M8BSVOH,POEBOH/P" ,FD1MFSFE ,BC1VSXBLBSUB 5FMQ    'BY   8"/":"4" +M3BZB8BOBZBTB3538 %FTB8BOBZBTB ,FD8BOBZBTB ,BC1VSXBLBSUB 5FMQ 'BY

,,8BSPFOHCKC1POEPL6OHV $BOEBCSBHBCMPL"5*"1POEPL6OHV #FLBTJ

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,,8BSPFOHCKC8JTNB"TSJ 4NBSU.BSLFUCFLBTJCMPL"/P 1FSVNBIBO5FMBHB.BT #FLBTJ

,,8BSPFOHCKC$BNQBLB1VSXBLBSUB +M3BZB4BEBOH,.%T,FD Campaka ,BC1VSXBLBSUB

,,8BSPFOHCKC.VUJBSB(BEJOH 3VLP3/PEBONVUJBSB(BEJOH Timur #FLBTJ

5*5*,1&.#":"3"/ Payment Point

,,8BSPFOHCKC1BTBS#BOUBSHFCBOH +M3BZB/BSPHPOH #FMBLBOHQBTBS CBOUBSHFCBOH #MPL# ,PUB#FLBTJ 5*5*,1&.#":"3"/ Payment Point ,111SBUBNB#FLBTJ4FMBUBO 614",1 1###FLBTJ

+M$VU.FVUIJB/P #FLBTJ

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

 2)),&(61(7:25.

,"/503$"#"/( #SBODI0GmDF $"#"/(,"3"8"/( +M,FSUBCVNJ/P ,BC,BSBXBOH 1IPOF  'BY  1FNJNQJO 1FMBZ0QST .$1725&$%$1*3(0%$178 46##SBODI0GmDF $*,".1&, +M+FOE":BOJ/P $JLBNQFL,BC,BSBXBOH 1IPOF  GBY 3&/("4%&/(,-0, +M1SPLMBNBTJ/P ,FD3FOHBTEFOHLMPL,BC,BSBXBOH 1IPOF  'BY $*-".":" +M3BZB$JMBNBZB/P ,FM.FLBSNBZB ,FD$JMBNBZB8FUBO ,BC,BSBXBOH 1IPOF   'BY   5&-"("4"3* +M4ZFI2VSP %FTB5FMBHBTBSJ ,FD5FMBHBTBSJ ,BC,BSBXBOH 1IPOF  'BY ,-"3* +M3BZB,PTBNCJ/P# %FTB%VSFO ,FDBNBUBO,MBSJ ,BC,BSBXBOH 5FMQ   'BY   ,"/503,"4 $BTI0GmDF

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ayment Point

,,%11,"%,BSBXBOH +M4JMJXBOHJ/P,BCVQBUFO,BSBXBOH

,111SBUBNB,BSBXBOH6UBSB +M":BOJ/P ,BC,BSBXBOH

,,#BCBLBO$JLBP ,Q,SBKBO3538%T.BSBDBOH ,FD#BCBLBO$JLBP,BCVQBUFO 1VSXBLBSUB

,111SBUBNB,BSBXBOH4FMBUBO +M3BZB,VTVNB/FHBSB *OUFSDIBOHF5PM,BSBXBOHCBSBU

,BC,BSBXBOH

,,%BSBOHEBO ,Q4BXJU3538%T4BXJU,FD %BSBOHEBO,BCVQBUFO1VSXBLBSUB

4BNTBU.BMM$JLBNQFL .BMM$JLBNQFL +M+FOE"INBE:BOJ/P $JLBNQFL 4BNTBU8JMBZBI,BC,BSBXBOH

3&/("4%&/(,-0, +M1SPLMBNBTJ,FD3FOHBTEFOHLMPL ,BC,BSBXBOH %11,"%1&.,"#,"3"8"/( +M4JMJXBOHJ/P,BSBXBOH ,"/503$"#"/( #SBODI0GmDF $"#"/($*"/+63 +M)04$PLSPBNJOPUP/P" ,FM.VLB ,FD$JBOKVS ,BC$JBOKVS  1IPOF  GBY UFMFY#1%$+*" .$1725&$%$1*3(0%$178 46##SBODI0Gm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

4*/%"/(#"3"/( ,BNQVOHTVLBNVMZB35,FD TJOEBOHCBSBOHLBCDJBOKVS 5MQ 'BY ,"/503,"4 $BTI0Gm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ayment Point ,111SBUBNB$JBOKVS +M3BZB#BOEVOH,N ,BC$JBOKVS :BOUBQ%JTQFOEB,BC$JBOKVS 3VLP$JQFOEBXB/P# 1BDFU,BC$JBOKVS 4BNTBU8JMBZBI,BC $JBOKVS ,"/503$"#"/( #SBODI0GmDF

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

$"#"/(1"/%&(-"/( +M.BZPS8JEBHEP/P ,BC1BOEFHMBOH 1SPW#BOUFO 1IPOF  GBY  UFMFY#1%1%(*"

,$1$*#"-*6/( +M4VNVS/P %FTB4VLBKBEJ ,FD$JCBMJVOH ,BCVQBUFO1BOEFHMBOH 5FMQ 'BY

.$1725&$%$1*3(0%$178 46##SBODI0GmDF

,"/503,"4 $BTI0GmDF

1*$6/( +M,BNQVOH1BTBS1JDVOH3538 %FTB$JMJMJUBO ,FD1JDVOH ,BC1BOEFHMBOH 5FMQ    'BY  

,,4PCBOH +M1BTBS4PCBOH3538 %T1BOHLBMBO,FD4PCBOH,BC 1BOEFHMBOH

,"/503,"4 $BTI0GmDF 1&.%",BC1BOEFHMBOH +M"4BUSJBXJKBZB/P ,BC1BOEFHMBOH 'BY 346%1BOEFHMBOH +M3BZB-BCVBO,N $JLPOFOH ,BC1BOEFHMBOH 1IPOF 'BY 1"4"31"/%&(-"/( +M"INBE:BOJ1BOEFHMBOH 5*5*,1&.#":"3"/ Payment Point 4".4"51"/%&(-"/( +M3BZB-BCVBO,.,BCVQBUFO 1BOEFHMBOH ,"/503$"#"/( #SBODI0GmDF $"#"/(-"#6"/ +M+FOE4VEJSNBO/P -BCVBO 1SPW#BOUFO 1IPOF  IVOUJOH

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bank bjb Laporan Tahunan 2014

,"/503$"#"/( #SBODI0GmDF $"#"/(3"/(,"4#*56/( +M1BUJI%FSVT/P 3BOHLBTCJUVOH 1SPW#BOUFO 1IPOF  GBY  UFMFY#1%3,4*" .$1725&$%$1*3(0%$178 46##SBODI0GmDF ."-*/(1*/( +M+FOE":BOJ/P.BMJOHQJOH 3BOHLBTCJUVOH 1SPW#BOUFO 1IPOF  'BY $*1"/"4 #MPL$JUBUBI 3538 %FTB#JOUBOH3FTNJ ,FD$JQBOBT ,BC-FCBL 1SPW#BOUFO 5FMQ    'BY   ."+" +M3BZB.BKB/P#MPL1BTBS.BKB %FTB.BKB,FDBNBUBO.BKB,BCVQBUFO -FCBL 5FMQ 'BY #1,"%-FCBL +M,BQVHFSBO*/P#MPL,BQVHFSBO ,FM3BOHLBTCJUVOH#BSBU ,FD3BOHLBTCJUVOH,BC-FCBL 5FMQ 'BY #":") ,Q#BZBI5VHV35%T#BZBI #BSBU,FD#BZBI,BC-FCBL#BOUFO

,"/503,"4 $BTI0GmDF

,"/503,"4 $BTI0GmDF

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.$1725&$%$1*3(0%$178 46##SBODI0GmDF

4BNTBU8JMBZBI4VLBCVNJ

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Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

 2)),&(61(7:25.

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,,8BSPFOHCKC-FVXJHPPOH +BMBO3BZB-FVXJHPPOH ,FD-FVXJHPPOH,BC(BSVU ,,8BSPFOHCKC1BTBS#BOESFL ,QCBOESFL3538 %T4VLBNFSBOH ,FD,FSTBNBOBI,BCHBSVU

1&.%"46#"/( +M%FXJ4BSUJLB/P ,BC4VCBOH 5FMQ   'BY  

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5*5*,1&.#":"3"/ Payment Point

,"/503,"4 $BTI0GmDF

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$*"4&.,BC4VCBOH ,"/503$"#"/( #SBODI0GmDF $"#"/(5"4*,."-":" +M.BZPS6UBSZB/P 5BTJLNBMBZB 1IPOF   GBY  UFMFY#1%54.*"

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

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.$1725&$%$1*3(0%$178 46##SBODI0GmDF

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4BNTBU8JMBZBI,BC.BKBMFOHLB

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,,8BSPFOHCKCLFDNBKB +M3BZB.BKB6UBSB35%T.BKB Utara ,FD.BKB,BC.BKBMFOHLB ,,8BSPFOHCKC"CEVM)BMJN +M$JDFOBOH+BUJXBOHJ%FTB$JDFOBOH ,FD$JHBTPOH ,BC.BKBMFOHLB

bank bjb Laporan Tahunan 2014

,"/503$"#"/( #SBODI0GmDF $"#"/($*".*4 +M+FOE4VEJSNBO/P ,BC$JBNJT 1IPOF   GBY  UFMFY#1%$.4*" .$1725&$%$1*3(0%$178 46##SBODI0GmDF 3"/$") +M,BXVOHMBSBOH/P %FTB3BODBI ,FD3BODBI ,BC $JBNJT 1IPOF  'BY 1"/6.#"/("/ +M3BZB1BOVNCBOHBO/P %FTB1BOVNCBOHBO ,FD Panumbangan ,BC$JBNJT 1IPOF 'BY 4*/%"/(,"4*) #MPL1FOHLPMBO %FTB4JOEBOHLBTJI ,FD4JOEBOHLBTJI ,BC$JBNJT 5FMQ 'BY ,"8"-* %T,BXBMJ.VLUJ ,FD,BXBMJ,BC$JBNJT ,"/503,"4 $BTI0GmDF ,,3BKBEFTB +M3BZB3BKBEFTB/P%VTVO$JHPPOH %FTB4JSOBCBZB,FD3BKBEFTB,BC $JBNJT ,,1FNEB$JBNJT +M%ST)4PFKPFE/P"o,BC $JBNJT 346%$JBNJT +M3VNBI4BLJU/P ,BC$JBNJT 1IPOF 'BY ,,8BSPFOHCKC$JIBVSCFVUJ %VTVO%FTB,BMFS3538%FTB $JIBVSCFVUJ ,FD$JIBVSCFVUJ,BC$JBNJT

,,8BSPFOHCKC1BOVNCBOHBO +M3BZB5BTJL1BOKBMV/P3538 %T4JOEBOHIFSBOH ,Q8BSVEPZPOH,FD1BOVNCBOHBO ,,8BSPFOHCKC1BOKBMV +MSBZBQBOKBMVOPEVTVOQBCVBSBO35 38 %FTBQBOKBMV,FD1BOKBMV,BC$JBNJT ,,8BSPFOHCKC1BTBS.BOJT$JBNJT ,PNQMFL3VLP1BTBS.BOJT/P

5*5*,1&.#":"3"/ Payment Point 4BNTBU8JMBZBI,BCVQBUFO$JBNJT* ,"/503$"#"/( #SBODI0GmDF $"#"/(+","35" #BOL%&7*4" +M+FOE4VEJSNBO,BW (FEVOH"SUIBMPLB-U%BTBS-U +BLBSUB1VTBU 1IPOF  'BY  .$1725&$%$1*3(0%$178 46##SBODI0GmDF ,3"."5+"5* +M3BZB#PHPS/P ,FD,SBNBUKBUJ +BLBSUB5JNVS 5FMQ 'BY 5"/")"#"/( +M,).BT.BOTZVS/P ,FD5BOBI"CBOH+BLBSUB1VTBU 5FMQ 'BY +"5*/&("3" ,PNQMFL1FSLBOUPSBO.JUSB.BUSBNBO #MPL",BWMJOH/P +M.BUSBNBO3BZB/P+BLBSUB Timur 1IPOF 'BY 1"4"3#"36 +M1JOUV"JS/P# 1BTBS#BSV +BLBSUB1VTBU 5FMQ    'BY   $&.1","."4 .FHB(SPTJS$FNQBLB.BT#MPL'*' +M-FUKFO4VQSBQUP/P ,PUBNBEZB+BLBSUB1VTBU 1IPOF 'BY

Introduction Management Report $PNQBOZ1SPmMF 4UPDL0CMJHBUJPO)JHIMJHIUT .BOBHFNFOU%JTDVTTJPO"OBMZTJTPO$PNQBOZ1FSGPSNBODF Good Corporate Governance $PSQPSBUF4PDJBM3FTQPOTJCJMJUZ $POTPMJEBUFE'JOBODJBM4UBUFNFOUT Corporate Data

 2)),&(61(7:25.

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346(6/6/(+"5* +M,FTBNCJ/P $JSFCPO 1IPOF 'BY

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,"3"/(4*/0. +M#MPL*3538%FTB ,BSBOHBOZBS ,FDBNBUBO,FEBOHIBVS ,BCVQBUFO*OESBNBZV 1IPOF 'BY

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#"/(,*3 +M3BZB#BOLJS%FTB3BNCBUBO,VMPO ,FDBNBUBO-PCFOFS,BCVQBUFO Indramayu

,"/503$"#"/( #SBODI0GmDF

,"/503,"4 $BTI0GmDF

$"#"/(*/%3".":6 +M+FOE4VEJSNBO/P ,BC*OESBNBZV 1IPOF   'BY  UFMFY#1%*.*"

46,3" +M3BZB4VLSB,BCVQBUFO*OESBNBZV

,,8BSPFOHCKC,BOHHSBLTBO +M,BOHHSBLTBO/P3538 ,FD)BSKBNVLUJ$JSFCPO 5MQ'BY

.$1725&$%$1*3(0%$178 46##SBODI0GmDF +"5*#"3"/( +M+FOE":BOJ/P3538 %FTB,FD+BUJCBSBOH ,BC*OESBNBZV 5FMQ 'BY 1"530+M3BZB1BUSPM/P3538 %FTB1BUSPM-PS ,FDBNBUBO1BUSPM ,BC*OESBNBZV 5FMQ 'BY )"63(&6-*4 +M4VEJSNBO/P ,FD)BVSHFVMJT ,BC*OESBNBZV 1IPOF 'BY

,&35"4&.":" #MPL1BTBS,FM5VMVOHBHVOH ,FSUBTFNBZB,BC*OESBNBZV &3&5"/ +M3BZB&SFUBO8FUBO,BOEBOHIBVS ,BCVQBUFO*OESBNBZV 346%*/%3".":6 +M.VSBIOBSB/P,BCVQBUFO Indramayu #0/("4 %FTB.BSHBNVMZB35#POHBT ,BC*OESBNBZV ,"3"/(40/( +M,BSBOHTPOHo,BC*OESBNBZV -&-&" +M3BZB-FMFB,BC*OESBNBZV 5FMQ ,,8BSPFOHCKCLFDTMJZFH %FTB4MJZFH-PS3538,FD 4MJZFH*OESBNBZV 5MQ'BY

bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

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bank bjb Laporan Tahunan 2014

,,8BSPFOHCKC.BOEJSBODBO +M3BZB,BTBC/P.BOEJSBODBO ,BC,VOJOHBO

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bank bjb Annual Report 2014

Pendahuluan Laporan Manajemen 1SPmM1FSVTBIBBO *LIUJTBS4BIBN0CMJHBTJ "OBMJTB1FNCBIBTBOBUBT,JOFSKB1FSTFSPBO 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO Data Perusahaan



-$5,1*$1.$1725

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bank bjb Laporan Tahunan 2014

Dicetak di atas kertas daur ulang Printed on recycled paper

Strengthening the Foundation

Laporan Tahunan 2014 Annual Report .DQWRU3XVDW‡+HDG2IÀFH Menara Bank BJB Jl. Naripan No. 12-14 Bandung 40111 Telp. 022 423 4868

ZZZEDQNEMEFRLG

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