Inorganic growth of assets through:

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 60 PLAN AND STRATEGY REVIEW TINJAUAN RENCANA DAN STRATEGI

C. Optimalisasi fee based income untuk mendukung pencapaian target laba bank.

1. Optimalisasi pengelolaan instrumen treasury dan international banking a. Money Market b. Capital Market c. Sales, Forex, Derivatif d. Trade Finance Services e. Remittance dan Sertifikasi ISO 9001 2. Pengembangan jasa transaksi perbankan, penambahan jumlah฀jaringan,฀serta฀฀ATM. a.฀฀ Optimalisasi฀ fungsi฀ ATM฀ bagi฀ nasabah฀ melalui฀ penambahan฀itur฀layanan฀ATM. b. Peningkatan penjualan produk wealth management.

D. Pertumbuhan aset secara anorganik, melalui:

1.฀฀ Akuisisi฀pada฀Perusahaan฀Asuransi,฀Multiinance,฀dan฀bank. 2. Optimalisasi kinerja Perusahaan Anak dan BPR. E. Pengembangan manajemen untuk mendukung bisnis bank yang tumbuh berkesinambungan dengan tingkat profitabilitas yang tinggi. 1. Perencanaan dan Change Management a.฀฀ Menetapkan฀ arah฀ dan฀ strategi฀ Perseroan,฀ baik฀ jangka฀ pendek, jangka menengah, maupun jangka panjang untuk mendukung peningkatan pertumbuhan bisnis bank bjb. b.฀ Meningkatkan฀ kuantitas฀ dan฀ kualitas฀ riset฀ untuk฀ pengembangan bisnis termasuk analisis internal dan eksternal. c.฀฀ Menyempurnakan฀struktur฀organisasi฀bank฀yang฀efektif฀ dan efisien dalam menunjang sasaran dan tujuan bisnis Perseroan. d.฀฀ Memastikan฀efektivitas฀dan฀eisiensi฀pelaksanaan฀proyek program kerja.

e. Peningkatan kualitas performa strategi bank bjb

dengan cara me-review key performance indicator yang telah ditetapkan, serta mengimplementasikan Balanced Scorecard KPI individu. 2.฀฀ Pengembangan฀Sumber฀Daya฀Manusia฀ a. Kebijakan dan pelaksanaan rekrutmen, career path, serta Job grading. b. Penerapan sistem reward dan punishment. c. Pengembangan sistem informasi terintegrasi melalui HRIS Human Resources Information System. d. Pengembangan Assessment Center. e. Program pendidikan dan pelatihan yang mendukung bisnis Bank secara teratur dan berkesinambungan dalam Training Program Academy. C. Optimization of fee-based income to support the achievement of the Bank’s profit target. 1. Optimizing the management of treasury and international banking instruments. a.฀฀ Money฀Market b.฀฀ Capital฀Market c. Sales, Forex, Derivative d. Trade Finance Services e. Remittance and the Certification ISO 9001 2. Development of banking services increased the number of networks,฀as฀well฀as฀ATMs. a.฀ Optimization฀of฀the฀ATM฀functions฀through฀the฀addition฀ of฀features฀within฀the฀ATM฀services.฀ b. Increased the sales of wealth management products.

D. Inorganic growth of assets through:

1. Acquisition of insurance and multi-finance companies, as well as banks. 2. Optimization of the performance of subsidiaries companies and rural banks. E. The development of Management to support the business of the Bank which is growing continuously with high level of profitability. 1.฀฀ Planning฀and฀Change฀Management฀ a. Determined the direction and strategies of the Company in the short, medium term and long term to support the increase of bank bjb’s business growth. b. Increased the quantity and quality of research for business development including internal and external analysis. c. Improved the organizational structure to become effective and efficient in supporting the targets and objectives of the Company’s business. d.฀ Ensured฀ the฀ effectiveness฀ and฀ eficiency฀ of฀ projects฀ ฀ work programs implementation. e. Improved the quality of performance of the Bank’s strategies by reviewing the key performance indicators established, as well as implemented the Balanced Scorecard KPI individual. 2. Human Resources Development a. Policies and implementation of recruitment, career path, as well as job grading. b. Implementation of the reward and punishment system. c. Development of an integrated information system through HRIS Human Resources Information System. d. Development of Assessment Centre. e. Education and training programs that regularly and continuously support the Bank’s business through the Training Program Academy. bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 61 Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements f.฀ Meningkatkan฀ kompetensi฀ pegawai,฀ baik฀ di฀ posisi฀ manajerial maupun supporting melalui Training Program Academy. g.฀ Menetapkan฀ silabus฀ program,฀ silabus,฀ dan฀ anggaran฀ pendidikan dan pelatihan melalui Soft skill Program Academy. 3. Peningkatan Layanan Operasional a.฀ Meningkatkan฀ dan฀ mengembangkan฀ kualitas฀ layanan฀ menjadi lebih baik, sehingga tercipta service culture yang dapat bersaing dengan standar layanan bank yang baik. b. Optimalisasi pengelolaan likuiditas. c. Percepatan laporan LLD dan SID. 4.฀ ฀ Penerapan฀ Manajemen฀ Risiko฀ dan฀ Pelaksanaan฀ Kepatuhan฀ Bank a.฀฀ Mengembangkan฀budaya฀sadar฀risiko฀risk culture b.฀฀ Membangun฀Risk฀Management฀System฀yang฀memenuhi฀ ketentuan standar Basel III. c.฀฀ Mengelola฀potensi฀risiko฀secara฀komprehensif. d.฀฀ Mengembangkan฀ proil฀ risiko฀ bank฀ bjb secara terintegrasi untuk mempermudah kontrol. e.฀฀ Memonitor฀dan฀evaluasi฀program฀anti฀pencucian฀uang฀ dan pencegahan pendanaan terorisme. f.฀฀ Melaksanakan฀zero fraud program 5. Peningkatan Sistem Pengawasan Internal a.฀ Meningkatkan฀audit฀internal฀sebagai฀Strategic Business Partner dan memastikan optimalnya penerapan SPFAIB. b.฀ Memberikan฀ assurance atas terciptanya ketaatan perusahaan terhadap ketentuan internal dan kepatuhan bank terhadap ketentuan eksternal. 6. Akuntansi dan Pelaporan Keuangan a. Standardisasi penyusunan laporan keuangan yang dapat memenuhi unsur keakuratan dan tepat waktu. b. Pengembangan dan peningkatan pengelolaan data cost center secara tepat waktu dan akurat. c.฀ Meningkatkan฀penyempurnaan฀dan฀penyesuaian฀sistem฀ akuntansi, ketentuan, dan sistem prosedur internal sesuai perubahan business requirement definition. d. Sentralisasi dan otomasi pelaporan pajak. 7. Hubungan dengan Investor dan Promosi a.฀ Membangun฀ sarana฀ komunikasi฀ dengan฀ investor฀ dan฀฀ media. b.฀฀ Membangun฀corporate image. c. Peningkatan kualitas layanan bagi investor d.฀฀ Mendukung฀ pelaksanaan฀ promosi฀ pemasaran฀ yang฀ lebih efektif dan berkesinambungan. f. Increased employee competence, both in managerial as well as supporting positions through the Training Program Academy. g. Established program syllabus, education and training syllabus and budget through Soft Skill Program Academy. 3. Improved Operational Services a. Improved and developed better quality of services so as to create service culture that can compete with the good standards of bank services. b. Optimization of the management of liquidity. c. Acceleration of LLD and SID reports 4.฀฀The฀Bank’s฀Risk฀Management฀and฀the฀Bank’s฀Implementation฀ of Compliance a. Develop the culture of risk awareness risk culture b.฀ Establish฀ Risk฀ Management฀ System฀ that฀ meets฀ the฀ provisions of the Basel III standards. c. Comprehensively manage the potential risks. d. Develop bank bjb integrated risk profile in order to ease control. e.฀ Monitor฀ and฀ evaluate฀ anti-money฀ laundering฀ and฀ combat the financing of terrorism. f. Implement zero fraud program 5. Improvement of Internal Control System a. Upgrade the internal audit as the Strategic Business Partner and ensure optimal implementation of SPFAIB. b. Provide assurance for the establishment of the Bank’s compliance to the internal regulations of the Bank and the Bank’s compliance to external regulations. 6. Accounting and Financial Reporting a. Standardization of the preparation of the financial statements to meet the elements of accuracy and timely. b. Development and improvement of data cost centre management in a timely and accurate manner. c. The increase of perfection and adjustments of the accounting systems, regulations, and internal procedures system according to the changes of the business requirement definition. d. Centralization and automation of tax reporting. 7. Investor Relations and Promotion a. Establish a means of communication with investors and the media. b. Build corporate image. c. Improve the quality of services for investors d. Support the implementation of more effective and sustainable marketing campaigns. bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 62 PLAN AND STRATEGY REVIEW TINJAUAN RENCANA DAN STRATEGI Proyeksi Rencana Bisnis 2013 Dengan dukungan program yang direncanakan secara terintegrasi dan komprehensif, Perseroan mengharapkan sejumlah hal di bawah ini bisa tercapai:

1. Aset Posisi aset bank bjb di tahun 2011 sebesar Rp52,3 triliun dan