Information Technology Development Kerja sama penghimpunan DPK dengan pihak ketiga Pendekatan komunitas Community Marketing Promosi Cooperation with third parties in acquiring third party funds

95 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bjb dengan sasaran masuk dalam peringkat 10 sepuluh LBUFHPSJ BOL 6NVN BTJPOBM QFOJMBJBO Bank Services Excellent Monitoring 4. WFSTJ.3

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.

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 ZBOHEJTFTVBJLBO 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 GovernanceGCG dalam proses pengadaan dan pengembangan teknologi informasi.

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. PGQIZTJDBMBTQFDUT 1SFNJTFT JOBMMPVUMFUTPGCBOL bjb XJUIUIFUBSHFUUPCFPOFPGUIFUPQJOUIFDBUFHPSZPG BUJPOBM PNNFSDJBM BOL XJUI BOL 4FSWJDFT YDFMMFOU .POJUPSJOH 4. .3WFSTJPO

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. 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

To realize the bank bjb incorporated, bank bjb is required UPCFTZOFSHJ[FEXJUIJUTTVCTJEJBSJFTDPNQBOZJOPSEFSUP DPOUSJCVUFPQUJNBMMZUPJNQSPWFUIFBOLTBTTFUTHSPXUI and non-organic earnings. PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY 96 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO 1FOZFSUBBO NPEBM UBIVO BLBO EJMBLVLBO LFQBEB 13-, .VMUJmOBODF TVSBOTJ +JXB EBOBUBV TVSBOTJ Kerugian. Selain itu, penambahan setoran modal kepada CKCTZBSJBIEBOTLSJEB KEBIJAKAN DAN STRATEGI PENCAPAIAN 6OUVLNFODBQBJSFODBOBWJTJEBONJTJUBIVOZBOHTVEBI ditetapkan tersebut, sejumlah strategi dan kebijakan telah disiapkan oleh bank bjb ZBJUV 1. Peningkatan Market Share Dana Pihak Ketiga BMJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU B 1FSUVNCVIBOBOB1JIBL,FUJHBZBOH0QUJNBM .FOZFMFOHHBSBLBO QSPHSBN QSPNPTJ QFNBTBSBO produk dana. 1FOHFNCBOHBOQSPEVLZBOHCFSPSJFOUBTJLFQBEB LFCVUVIBOOBTBCBINBTZBSBLBU - Optimalisasi Institutional Banking untuk QFOHFSBIBOEBOB6. 6.NBVQVOJOTUJUVTJ MBJOOZB 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 TFSUBQFMBZBOBOLFQBEBOBTBCBI dalam transaksi e-banking bjb digi. 1FOJOHLBUBO1FOZBMVSBO,SFEJU 4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU a. Akselerasi fungsi Bank sebagai lembaga intermediasi. b. Peningkatan pemberian kredit baik sektor produktif maupun konsumtif dengan mengoptimalkan penggunaan dana dengan tetap memperhatikan prinsip kehati-hatian. c. Mempertahankan serta terus melakukan ekspansi kredit konsumsi terutama kredit KGB, serta QFOJOHLBUBOQFSUVNCVIBO,13 BQJUBM JOWFTUNFOU JO XBT QFSGPSNFE UP 13-, .VMUJmOBODF -JGFOTVSBODFBOEPSOTVSBODFOBEEJUJPO DBQJUBMXBTJOKFDUFEUP+4ZBSJBIBOETLSJEB POLICY AND ACHIEVEMENT STRATEGY To achieve the 2014vision and mission as planned, a number PGTUSBUFHJFTBOEQPMJDJFTIBWFCFFOQSFQBSFECZCBOL bjb, OBNFMZ ODSFBTFUIF.BSLFU4IBSFPGUIF5IJSE1BSUZVOET 5IJTJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT B 0QUJNBMSPXUIPG5IJSE1BSUZVOET - Perform marketing promotion on funding products. - Develop products oriented to the needs of the DVTUPNFSTDPNNVOJUZ 0QUJNJ[FOTUJUVUJPOBMBOLJOHGPSUIFEFQMPZNFOU of funds of state-owned companies, regional- owned companies and other institutions. C FWFMPQBOENQSPWFUIF2VBMJUZPG4FSWJDFT NQSPWFUIFRVBMJUZPGTFSWJDFTBUBMMMFWFMT CPUI BUUIFFBERVBSUFS 3FHJPOBM0GmDFTBOESBODI 0GmDFT NQSPWFUIFRVBMJUZPGFMFDUSPOJDCBOLJOHTFSWJDFT to improve corporate image and fee-based income, as well as services to customers in e-banking transactions. 2. Increase Lending 5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH B DDFMFSBUJPOPGUIFBOLTGVODUJPOBTBOJOUFSNFEJBSZ institution. b. Increase lending both in the productive and DPOTVNQUJWFTFDUPSTUPPQUJNJ[FUIFVTFPGGVOETCZ UBLJOHJOUPBDDPVOUUIFQSFDBVUJPOBSZQSJODJQMF D .BJOUBJO BOE FYQBOE DPOTVNFS DSFEJU FTQFDJBMMZ KGB credit, as well as an increase the growth of the mortgage. TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA 97 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data d. Optimalisasi fungsi Waroeng Mikro bjb. e. Memperbaiki dan menjaga kualitas kredit. 3. Optimalisasi Fee Based Income 4USBUFHJJOJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU 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. Pengembangan jasa transaksi perbankan, optimalisasi KVNMBIKBSJOHBOLBOUPSZBOHBEB TFSUB5. - Optimalisasi jaringan kantor dan fungsi ATM bagi OBTBCBINFMBMVJQFOBNCBIBOmUVSMBZBOBO5. 1FOJOHLBUBO MBZBOBO transaction service produk Wealth Management. 4. Pertumbuhan Aset Secara Anorganik 4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU a. Penambahan setoran modal kepada beberapa anak perusahaan. b. Meningkatkan aset perusahaan melalui akuisisi QFSVTBIBBOMFNCBHBLFVBOHBOZBOHTFIBU D .FOEPSPOHLJOFSKB1FSVTBIBBOOBLEBO13-, 5. Pengembangan Bisnis Bidang Penunjang untuk .FOEVLVOH1FOJOHLBUBO1SPmUBCJMJUBTBOL 4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU a. Credit Risk Reviewer - Melakukan pengendalian risiko kredit melalui mitigasi proses kredit dan monitoring kualitas kredit secara berkala. d. Optimize the function of Waroeng Mikro bjb. F 3FQBJSBOENBJOUBJODSFEJURVBMJUZ 3. Optimization of Fee Based Income 5IJTTUSBUFHZJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT B 0QUJNJ[JOH UIF NBOBHFNFOU PG 5SFBTVSZ BOE International Banking instruments. - Optimization of Capital Market instruments, Forex and Derivatives. FDPNFT03TBMFTBHFODZ - Optimization of custodian services and trustee services. - Increase remittance transactions, Trade Finance and Services. C FWFMPQCBOLJOHTFSWJDFTPQUJNJ[FUIFFYJTUJOHPGmDF network, and ATM. 0QUJNJ[FPGmDFOFUXPSLBOE5.GVODUJPOBMJUZGPS customers through the addition of ATM services features. - Improve servicestransaction services of the Wealth Management product. 4. Anorganic Asset Growth 5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH a. Capital injection to several subsidiaries. C ODSFBTF UIF BTTFUT PG UIF PNQBOZ UISPVHI UIF BDRVJTJUJPOPGIFBMUIZmOBODJBMJOTUJUVUJPOT c. Support the performance of subsidiaries entities and 13-, 5. Develop Business in the Supporting Field to promote the BOLTJODSFBTFE1SPmUBCJMJUZ 5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH B SFEJU3JTL3FWJFXFST - Control credit risk through credit process mitigation BOEQFSGPSNQFSJPEJDDSFEJURVBMJUZNPOJUPSJOH PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY 98 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO - Mengelola dan mengembangkan standar- standar pengukuran risiko kredit sesuai ketentuan regulator. b. Perencanaan dan Change Management - Menetapkan arah dan strategi Bank dan NFOZFNQVSOBLBO QSPTFT CJTOJT NFMBMVJ TUSVLUVS PSHBOJTBTJZBOHFGFLUJGEBOFmTJFO .FOEPSPOHUFSDJQUBOZBQSPTFTLFSKBZBOHFmTJFO dan efektif di bidang transformasimanajemen perubahan. D 1FOHFNCBOHBO4VNCFSBZB.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. Peningkatan Kualitas Operasional - Pengelolaan administrasi dan monitoring dokumen kredit secara tertib. 1FOJOHLBUBO LVBMJUBT MBZBOBO PQFSBTJPOBM 5. .PEVM 1FOFSJNBBO FHBSB .1 EBO USBOTBLTJ 4JTUFN,MJSJOHBTJPOBMBOLOEPOFTJB 4, .FOJOHLBULBOFmTJFOTJCJBZBPQFSBTJPOBM F 1FOFSBQBO .BOBKFNFO 3JTJLP EBO 1FMBLTBOBBO Kepatuhan Bank - Pengembangan dan pengelolaan kebijakan dan QSPTFEVS.BOBKFNFO3JTJLPTFSUBNFOZVTVOEBO NFOHFNCBOHLBOQSPmMSJTJLPCBOL .FXVKVELBO UFSMBLTBOBOZB CVEBZB LFQBUVIBO pada semua tingkatan organisasi dan kegiatan usaha bank. f. Peningkatan Sistem Pengawasan Internal - Meningkatkan peran audit intern sebagai Strategic Business Partner bagi manajemen dan seluruh jajaran bank. .FOZVTVOQFSFODBOBBOBVEJUCFSCBTJTSJTJLP - Manage and develop the standards to measure credit risk in accordance to the provisions of the regulators. 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 VNBO3FTPVSDFFWFMPQNFOU 1PMJDZ BOE JNQMFNFOUBUJPO PG SFDSVJUNFOU DBSFFS development plans, and job grading. - Education and training programs that support UIF CBOLT CVTJOFTT SFHVMBSMZ BOE DPOUJOVPVTMZ UISPVHIUIF1SPHSBNDBEFNZ5SBJOJOH E0QFSBUJPOBM2VBMJUZNQSPWFNFOU - Managing and monitoring the administration of MPBOEPDVNFOUTJOBOPSEFSMZNBOOFS NQSPWF RVBMJUZ PG PQFSBUJPOBM TFSWJDFT PG 5. 4UBUF3FWFOVF.PEVMF .1 BOEUIFUSBOTBDUJPO BUJPOBMMFBSJOH4ZTUFNBOLOEPOFTJB 4, NQSPWFUIFFGmDJFODZPGPQFSBUJPOBMDPTU F QQMJDBUJPOPG3JTL.BOBHFNFOUBOEBOLPNQMJBODF - Develop and manage risk management policies and procedures as well as organize and develop UIFBOLTSJTLQSPmMF - Achieve the implementation of compliance culture at all levels of the organization and the business. G NQSPWFOUFSOBMPOUSPM4ZTUFN - 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. TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI PENGEMBANGAN USAHA 99 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY H DDPVOUJOHJOBODJBM3FQPSUJOH 4UBOEBSEJTBTJQFOZVTVOBOMBQPSBOLFVBOHBOZBOH dapat memenuhi unsur akurasi dan tepat waktu. - Peningkatan akurasi data dan informasi performance bank bjb bagi manajemen. I VCVOHBO EFOHBO OWFTUPS ,PNVOJLBTJ 1FNBTBSBO dan Promosi 1FOJOHLBUBOLPNVOJLBTJ LFSKBTBNBEBOMBZBOBO kepada calon investor dan investor. - Meningkatkan Brand Awareness bank bjb kepada NBTZBSBLBU H DDPVOUJOHJOBODJBM3FQPSUJOH 4UBOEBSEJ[FUIFQSFQBSBUJPOPGmOBODJBMTUBUFNFOUT UIBUDBONFFUUIFFMFNFOUTPGBDDVSBDZBOEUJNFMZ NQSPWFEBUBBDDVSBDZBOECBOL bjb performance information for the Management. 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. 100 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO TINJAUAN BISNIS INDUSTRI BUSINESS INDUSTRY REVIEW 101 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Situasi Makro 1FNVMJIBO FLPOPNJ HMPCBM ZBOH NBTJI CFSMBOHTVOH IJOHHB UBIVO DFOEFSVOH CFMVN TUBCJM 4BMBI TBUVOZB EJUVOKVLBOPMFIQFSFLPOPNJBOIJOBZBOHNBTJINFOHBMBNJ perlambatan. Pertumbuhan ekonomi negara salah satu tujuan ekspor Indonesia itu lebih rendah dibandingkan tahun TFCFMVNOZB ZBJUVIBOZB 4FNFOUBSBQBEBUBIVO tumbuh 7,7. 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 Ekspor Bulanan Miliar 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 4VNCFS14 4PVSDF14 Pertumbuhan ekonomi Indonesia PDB pada tahun 2014 pun ikut mengalami tekanan. Badan Pusat Statistik BPS NFODBUBUCBIXBQFSUVNCVIBOOZBIBOZB MFCJISFOEBI EJCBOEJOHLBOUBIVOZBOH .FMFNBIOZBFLTQPS ini berimplikasi terhadap neraca perdagangan, sehingga NFOHBMBNJEFmTJU Macro Situation 5IF HMPCBM FDPOPNZ XIJDI DPOUJOVFE UP CF SFDPWFSJOH JO SFNBJOFE VOTUBCMF 5IJT XBT BNPOH PUIFST TIPXO CZ UIFTMPXEPXOPGIJOBTFDPOPNZ5IFFDPOPNJDHSPXUIPG UIJTDPVOUSZ XIJDIJTPOFPGOEPOFTJBTFYQPSUEFTUJOBUJPOT XBTMPXFSUIBOUIFQSFWJPVTZFBS OBNFMZPOMZ8IJMFJO UIFFDPOPNZPGIJOBHSFXCZ OEPOFTJB XIJDIBEPQUTUIFTZTUFNPGPQFOFDPOPNZ XBT BMTPJNQBDUFECZUIFHMPCBMFDPOPNJDVODFSUBJOUJFTVSJOH 2014, the cumulative value of the Indonesian export declined CZ PWFS UIF QSFWJPVT ZFBS T GPS OPOPJM FYQPSU UIF EFDMJOFSFBDIFE Monthly Export Billion USD 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 BUSINESS INDUSTRY REVIEW TINJAUAN BISNIS INDUSTRI 102 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO 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. Distribusi Persentase Produk Domestik Bruto Triwulanan Atas Dasar Harga Berlaku Menurut Pengeluaran Persen Jenis Pengeluaran 2014 Jumlah Total Type Consumption I II III IV 1 1FOHFMVBSBO,POTVNTJ3VNBIUBOHHB 55,84 55,03 PVTFIPMEPOTVNQUJPOYQFOEJUVSF a. Makanan a. Food b. Bukan Makanan 30,03 CPOPPE 2 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 CFMBOKB1FHBXBJ1FOZVTVUBO 5 5,11 5,18 5,75 C4IPQQJOHNQMPZFFFQSFDJBUJPO 5 c. Penerimaan Barang dan Jasa 0,75 1,12 1,14 c. Acceptance of Goods and Services 3 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 CPNFTUJD.BDIJOFSZBOERVJQNFOU c. Mesin dan Perlengkapan Luar FHFSJ 2,73 2,77 2,80 DPSFJHO.BDIJOFSZBOERVJQNFOU EMBUOHLVUBOBMBNFHFSJ 0,27 0,25 d. Domestic Transport Equipment FMBUOHLVUBO-VBSFHFSJ 0,58 e. Overseas Transport Equipment G-BJOOZBBMBNFHFSJ 0,44 0,47 0,47 0,53 0,48 f. Other Domestic H-BJOOZB-VBSFHFSJ 0,22 0,24 0,24 0,24 g. Other Overseas 4VNCFSBUB4FNFOUBSB14 4PVSDF14BUB5FNQPSBSZ .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. 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. Percentage of the Distribution of Quarterly Gross Domestic Product At Current Market Prices According to Expenditure Percent Towards the end of 2014, the benchmark interest rate of Bank OEPOFTJBBMTPSPTFCZCBTJTQPJOUT GSPNUP ODSFBTJOHUIFCFODINBSLJOUFSFTUSBUFXBTBOBDUJPOUBLFOCZ BOLOEPOFTJBUPDVSCJOnBUJPOXIJDIBNPOHPUIFSTXBTEVF UPUIFSJTFPGGVFMQSJDFTPXFWFS UISPVHIPVU JOnBUJPO SFNBJOFEIJHI OBNFMZ ZFBSPOZFBS TINJAUAN BISNIS INDUSTRI 103 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Posisi Suku Bunga Acuan 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 4VNCFSBOLOEPOFTJB 4PVSDFBOLOEPOFTJB Posisi nilai tukar rupiah terhadap dolar Amerika Serikat KVHB NBTJI MFNBI 1FNFSJOUBI NFMBMVJ 1 1FSVCBIBO 2014 menetapkan kurs rupiah terhadap dolar AS sebesar 3QBNVOSFBMJTBTJOZB OJMBJSVQJBIKBVIMFCJIMFNBI EBSJ UBSHFU UFSTFCVU CBILBO TFNQBU NFOZFOUVI QPTJTJ EJ LJTBSBO3QQFSPMBS4 Situasi Industri Perbankan ,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. BUBBOLOEPOFTJBNFOZFCVULBO net interest margin . CBOLVNVNVOUVLQFSJPEFPWFNCFSUFMBINFOHBMBNJ QFOVSVOBOTFCFTBS EJCBOEJOHLBOQFSJPEFZBOHTBNB UBIVOTFCFMVNOZB Statistik Bank Umum 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 PWFNCFS 4VNCFSBOLOEPOFTJB Position of the Benchmark Interest Rate of Bank Indonesia 5IFQPTJUJPOPG3VQJBIBHBJOTUUIF64PMMBSSFNBJOFEXFBL The Government through the 2014 State Budget Amendment TFUUIFFYDIBOHFSBUFPG3VQJBIBHBJOTUUIF64PMMBSBUUIF MFWFMPG3Q PXFWFSJOSFBMJ[BUJPO 3VQJBIXBTNVDI XFBLFSUIBOUIFUBSHFUBOEUPVDIFEUIFQPTJUJPOPG3Q per US Dollar. The Condition of Banking Industry The global and national macro-economic conditions provide JNQBDUT FJUIFSEJSFDUMZPSJOEJSFDUMZUPUIFmOBODJBMJOEVTUSZ including banking. Bank Indonesia’s response towards high JOnBUJPOBOEEFQSFDJBUJPOPG3VQJBIBHBJOTUUIF64PMMBSCZ SBJTJOHUIFCFODINBSLJOUFSFTUSBUFBUUIFFOEPGUIFZFBS XJMM QPUFOUJBMMZSFEVDFUIFQSPmUPGCBOLT BOL OEPOFTJB BUB OPUFE FU OUFSFTU .BSHJO . PG DPNNFSDJBMCBOLTGPSUIFQFSJPEPGPWFNCFSEFDSFBTFE CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS Commercial Banks Statistics 4PVSDFBOLOEPOFTJB BUSINESS INDUSTRY REVIEW 104 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO ,FNVEJBO NBTJI UJOHHJOZB JOnBTJ NFNCVBU EBZB CFMJ NBTZBSBLBUJLVUNFMFNBILJCBUUFSKBEJOZBQFOVSVOBOQBEB LPOTVNTJ SVNBI UBOHHB LSFEJU LPOTVNTJ ZBOH VNVNOZB lebih cepat memberikan keuntungan bagi perbankan, juga berpotensi ikut tertekan. BM JUV UFSMJIBU QBEB IBTJM TVSWFJ QFSCBOLBO ZBOH EJMBLVLBO PMFIBOLOEPOFTJB4VSWFJZBOHEJMBLVLBOUFSIBEBQTFKVNMBI CBOL VNVN ZBOH NFOHVBTBJ QBOHTB QBTBS QFSCBOLBO TFCFTBS JUV NFOHVOHLBQLBO UFSKBEJOZB QFSMBNCBUBO pada pertumbuhan kredit. BTJM TVSWFJ NFOZFCVULBO QBEB 5SJXVMBO NFMBNCBUOZBQFSUVNCVIBOLSFEJUEJTFCBCLBOPMFISFOEBIOZB QFSNJOUBBOQFNCJBZBBOEBSJOBTBCBI LFOBJLBOTVLVCVOHB TFSUB NFOJOHLBUOZB SJTJLP QFNCFSJBO LSFEJU 1BEB USJXVMBO CFSJLVUOZB SFTQPOEFO KVHB NFNQFSLJSBLBO NBTJI UFSKBEJ LPOEJTJZBOHTBNB BMBN SFBMJTBTJOZB EBUB 4UBUJTUJL 1FSCBOLBO OEPOFTJB ZBOH EJLFMVBSLBO PMFI BOL OEPOFTJB NFOVOKVLBO CBIXB QFSUVNCVIBO QFOZBMVSBO LSFEJU CBOL VNVN VOUVL QFSJPEF +BOVBSJPWFNCFS NFOVSVO EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEB UBIVO QFSUVNCVIBOOZB NFODBQBJ EJCBOEJOHLBO UBIVO realisasi tahun 2012. Tahun Bank Umum Commercial Bank BPD Year Jumlah | Total Rp Miliar 2012 218.851 2012 2013 2013 PWFNCFS 3.241.040 PWFNCFS PWFNCFS PWFNCFS 4VNCFSBOLOEPOFTJB 4FEBOHLBO QBEB BOL 1FNCBOHVOBO BFSBI LSFEJU ZBOH EJLVDVSLBO QBEB QFSJPEF PWFNCFS UVNCVI EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO 4FNFOUBSB VOUVL UBIVO QFSUVNCVIBOOZB TFCFTBS dibandingkan 2012. VSUIFSNPSF JOnBUJPO XIJDI SFNBJOFE IJHI DBVTFE UIF DPNNVOJUZT QVSDIBTJOH QPXFS UP XFBLFO 5P UIBU FOE household consumption declined, consumer credit which HFOFSBMMZQSPWJEFTCFOFmUTGPSCBOLTBMTPQPUFOUJBMMZCFDBNF under pressure. 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. 5IF SFTVMUT PG UIF TVSWFZ NFOUJPOFE JO UIF UIJSE RVBSUFS PG UIF TMPXEPXO PG DSFEJU HSPXUI XBT DBVTFE CZ UIF MPXEFNBOEGPSDVTUPNFSmOBODJOH UIFSJTFPGJOUFSFTUSBUF and the increased credit risk. In the next quarter, respondents expected the same condition will remain to occur. In realization, the Indonesian Banking Statistics data released CZBOLOEPOFTJBTIPXTUIBUUIFHSPXUIPGDPNNFSDJBMCBOL MFOEJOHGPSUIFQFSJPEPG+BOVBSZPWFNCFSEFDSFBTFE CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS In 2013, growth reached 21.8 compared to the realization in 2012. 4PVSDFBOLOEPOFTJB .FBOXIJMF UIF 3FHJPOBM FWFMPQNFOU BOL EVSJOH UIF QFSJPEPGPWFNCFS DSFEJUHSFXCZDPNQBSFE UPUIFTBNFQFSJPEJOTGPS UIFDSFEJUHSFXCZ 20.88 compared to the number of credit in 2012. TINJAUAN BISNIS INDUSTRI 105 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Statistik BPD 3 30 BOPO . -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 4VNCFSBOLOEPOFTJB 4PVSDFBOLOEPOFTJB 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. BMJUVEJUVOKVLBONFMBMVJOEFLT5FOEFOTJJTOJTZBOHMFCJI SFOEBIEJCBOEJOHLBOUSJXVMBOTFCFMVNOZBQBEBUBIVOZBOH TBNB ZBJUVEBSJ NFOKBEJ 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. PERTUMBUHAN MARKET SHARE POS KEUANGAN UTAMA BANK BERDASARKAN STATUS KEPEMILIKANNYA TERHADAP BANK UMUM PERIODE DESEMBER 2014 Kelompok Bank Bank Group Jumlah Bank Per Des 2014 Total Bank as per Dec 2014 AsetAssets Total Dana Pihak Ketiga DPK Total Third-Party Funds Total KreditTotal Loans DEDHUVLK1HW3URÀW Realisasi Realization PertumbuhanGrowth Realisasi Realization PertumbuhanGrowth Realisasi Realization PertumbuhanGrowth Realisasi Realization PertumbuhanGrowth DesDec 2013 DesDec 2014 DesDec 2013 DesDec 2014 DesDec 2013 DesDec 2014 DesDec 2013 DesDec 2014 DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 Triliun Trillion Rp Des Dec 2013 Des Dec 2014 Triliun Trillion Rp Bank Persero Group-Owned Banks 4 1.758,87 Ï 317,73 Ï Ï Ï 1.181,73 Ï Ï 12,13 54,37 Ï Ï 11,51 64FWJTB 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 -1,82 64PO Devisa POPSFJHO Exchange BUJPOBM1SJWBUF Banks Ï Ï 122,88 141,03 Ï 18,14 Ï 14,77 108,23 Ï 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 -7,04 Bank Asing Foreign Banks 10 432,58 Ï 42,17 Ï 10,80 173,40 Ï 0,87 Ï 0,50 225,50 244,03 Ï 18,53 Ï 8,22 8,72 Ï Ï 42,51 Bank Umum Commercial Banks Ï Ï 13,34 4.114,42 Ï 450,45 Ï Ï 381,43 Ï 11,58 Ï 5,45 Ï 5,11 bank bjb 1 70,24 Ï 3,52 Ï 5,28 Ï Ï 13,32 45,11 Ï 4,14 Ï 1,74 1,14 Ð Ð -34,77 BPD Statistic 5IF TMPXEPXO PG UIF CBOLJOH JOEVTUSZ QFSGPSNBODF XBT DPIFSFOU UP UIF SFTVMUT PG UIF CVTJOFTT TVSWFZ DPOEVDUFE CZBOLOEPOFTJBBOE14OUIFmOBMRVBSUFSPG UIF optimism of the business world towards the economic condition EFDMJOFE5IJTXBTSFnFDUFECZUIFVTJOFTT5FOEFODZOEFY which became lower than the previous quarter of the same ZFBS OBNFMZGSPNUP 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. 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 BUSINESS INDUSTRY REVIEW 106 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO • 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 3QUSJMMJPO DPNQBSFEUPUIFOVNCFSJOFDFNCFS 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 POUSJCVUJPOPGFUODPNFHSPXUIPGDPNNFSDJBMCBOLT JO FDFNCFS POMZ DBNF GSPN HSPVQPXOFE CBOLT BOE GPSFJHO CBOLT XIJDI XFSF SFTQFDUJWFMZ SFDPSEFE UPHSPXCZ ZPZ GPS-JNJUFE-JBCJMJUZBOLTBOE ZPZ GPSPSFJHOBOLT XIFSFBTGPSPUIFSCBOLT 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·605.76+526676727 DPK NET PROFIT TO THE COMMERCIAL BANKS Bank Persero Group-Owned Banks 64FWJTB PSFJHOYDIBOHFBUJPOBM1SJWBUFBOLT 64FWJTB POPSFJHOYDIBOHFBUJPOBM1SJWBUFBOLT BPD Bank Campuran Joint Venture Banks Bank Asing Foreign Banks Jumlah Bank Total Bank 24,37 21,85 10,08 8,40 3,36 Aset Assets 3,33 7,85 7,70 36,98 Total Dana Pihak Ketiga 5PUBM5IJSE1BSUZVOET 42,07 3,43 3,43 8,17 4,24 38,46 Total Kredit Total Loans 40,33 8,20 5,33 36,06 Laba Bersih FU1SPmU 2,07 7,78 48,48 • 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 USJMJVOEJCBOEJOHLBOEFOHBOFTFNCFS 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 VOUVLLFMPNQPLBOLTJOH TFEBOHLBO VOUVL LFMPNQPL CBOL MBJOOZB NFOHBMBNJ penurunan. • Secara keseluruhan pada Desember 2014, kinerja perbankan Indonesia tetap kuat dan dengan risiko kredit, MJLVJEJUBTEBOQBTBSZBOHDVLVQUFSKBHBTFSUBLFUBIBOBO NPEBMZBOHUFSQFMJIBSBEJEVLVOHPMFINPEBMZBOHNBTJI kuat. MARKET SHARE ASET, TOTAL DPK LABA BERSIH bank bjb TERHADAP BANK UMUM POS KEUANGAN FINANCIAL POST bank bjb Bank Umum Commercial Banks Market Share bank bjb terhadap Bank Umum Market Share bjb bank to commercial banks ¨ RealisasiRealization TriliunTrillion Rp PertumbuhanGrowth DesDec 2013 - DesDec 2014 RealisasiRealization TriliunTrillion Rp PertumbuhanGrowth DesDec 2013 - DesDec 2014 DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 Total AsetTotal Assets 66,72 70,24 Ï 3,52 Ï 5,28 Ï Ï 13,34 1,35 1,25 Ð -0,10 GiroCurrent 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 • 31,99 • 35,35 t 2,84 3,53 t ValasForex 0,19 0,19 • 0,01 • -2,77 284,31 • 7,45 t 0,07 0,07 • 0,00 TabunganSavings 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 TINJAUAN BISNIS INDUSTRI 107 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data 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 PBI2012 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 bjb JO[POFSPTFCZUP • The growth of bank bjb’s assets is under the growth of the assets of commercial banks thus the market share of bank bjb TBTTFUTEFDSFBTFECZ 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 bjb TUIJSEQBSUZGVOETJOFDFNCFSHSFXCZ ZPZ UP3QUSJMMJPOXJUIBOJODSFBTFJONBSLFU TIBSFUPXBSETUIFUIJSEQBSUZGVOETPGDPNNFSDJBMCBOLT BUSINESS INDUSTRY REVIEW POS KEUANGAN FINANCIAL POST bank bjb Bank Umum Commercial Banks Market Share bank bjb terhadap Bank Umum Market Share bjb bank to commercial banks ¨ RealisasiRealization TriliunTrillion Rp PertumbuhanGrowth DesDec 2013 - DesDec 2014 RealisasiRealization TriliunTrillion Rp PertumbuhanGrowth DesDec 2013 - DesDec 2014 DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 Triliun Trillion Rp DesDec 2013 DesDec 2014 ValasForex 0,04 0,04 • 0,01 • 14,09 t t 0,04 0,04 • 0,00 DepositoTime Deposits 18,62 19,04 Ï 0,41 Ï 2,23 Ï Ï Ð -0,18 3VQJBI 18,36 19,00 • 0,63 • 3,46 1.331,53 • 310,22 • 23,30 1,38 • -0,22 ValasForex 0,26 0,04 • 0,22 • -83,99 t t 0,10 0,01 • -0,08 Total DPKTotal Third Party Funds 46,76 52,99 Ï 6,23 Ï 13,32 4.114,42 Ï 450,45 Ï 1,28 Ï 0,01 3VQJBI 46,27 52,72 • 6,45 • 13,94 3.025,15 3.434,58 t • 13,53 1,53 1,53 • 0,01 ValasForex 0,49 0,27 • 0,22 • -44,62 • 41,02 t 0,08 0,04 • -0,04 Komposisi DPK Nominal Periode Desember 2014 Composition DPK Nominal Period December 2014 Tabungan Savings Deposito Time Deposits Giro Current Account 2013 DPK Nominal bank bjb 5IJSE1BSUZVOET PNJOBM bank bjb 23,45 40,62 DPK Nominal bank umum 5IJSE1BSUZVOET PNJOBM Commercial Banks 31,22 47,16 Tren Market Share DPK Nominal Tren Market Share 5IJSE1BSUZVOET PNJOBM Giro Current Account 2 ,4 2 Tabungan Savings Deposito Time Deposits Des 2013 Des 2014 Triliun Rp Des 2013 Des 2014 Triliun Rp Des 2013 Des 2014 Laba BersihNet Income 1,74 1,14 Ð Ð -34,77 Ï 5,45 Ï 5,11 1,01 Ð • Konsentrasi pembukaan KC Bank Umum mulai tersebar LF [POB ZBOH NFNJMJLJ UJOHLBU LFKFOVIBO CBOL ZBOH MFCJI SFOEBI ;POB EBO TFJSJOH EFOHBO EJCFSMBLVLBOOZB1P1UFOUBOHi Multiple License wQBEBBLIJSUBIVOBMUFSTFCVUCFSEBNQBL 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 0,01 108 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO ZPZ JSP 3VQJBI CBOL bjb merupakan salah satu komponen DPK dengan angka pertumbuhan tertinggi ZBJUV UVNCVI TFCFTBS ZPZ EFOHBO LFOBJLBO market share UFSIBEBQJSP3VQJBIBOL6NVNTFCFTBS 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. MARKET SHARE KREDIT bank bjb TERHADAP BANK UMUM POS KEUANGAN -1045 bank bjb Bank Umum Commercial Banks Market Share bank bjb terhadap Bank Umum Market Share bjb bank to commercial banks ¨ Realisasi 3FBMJ[BUJPO TriliunTrillion Rp Pertumbuhan Growth Des Dec 2013 - Des Dec 2014 Realisasi 3FBMJ[BUJPO TriliunTrillion Rp Pertumbuhan Growth Des Dec 2013 - Des Dec 2014 Des Dec 2013 Des Dec 2014 Triliun Trillion Rp Des Dec 2013 Des Dec 2014 Triliun Trillion Rp Des Dec 2013 Des Dec 2014 Total Kredit Menurut Jenis Penggunaan 5PUBM-PBO BTFEPO5ZQFPG6UJMJ[BUJPO 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58 1,37 1,34 Ð -0,03 Kredit Modal Kerja Working Capital Loan Ð 1,18 Ð 1.757,45 Ï Ï 10,83 0,44 Ð -0,12 Kredit Investasi Investment Loan 3,41 Ï 0,23 Ï Ï 105,04 Ï 0,43 0,40 Ð -0,02 Kredit Konsumsi Consumption Loan 32,84 Ï 5,10 Ï 15,51 Ï Ï 11,51 3,74 Ï 0,13 Total Kredit Menurut Jenis Valuta 5PUBM-PBO BTFEPOVSSFODZ 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58 1,37 1,34 Ð -0,03 3VQJBI 44,75 Ï 4,34 Ï 2.720,50 Ï Ï 12,40 Ð -0,04 ValasForex 0,24 0,17 Ð 0,07 Ð 572,37 Ï Ï 0,04 0,03 Ð -0,01 Total Kredit Menurut Sektor Ekonomi Total Loan Based on Economic Sector 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58 1,37 1,34 Ð -0,03 Pertanian, Perburuan, dan Kehutanan HSJDVMUVSF VOUJOH BOEPSFTUSZ 0,82 Ð 0,14 Ð Ï 35,22 Ï 0,54 Ð Perikanan Fisheries 0,05 0,05 Ð 0,00 Ð -8,54 7,70 Ï 1,31 Ï 20,45 Ð Pertambangan dan Penggalian .JOJOHBOE2VBSSZJOH 0,10 0,05 Ð 0,05 Ð -50,42 141,82 Ï 15,00 Ï 11,83 0,08 0,03 Ð -0,04 Industri Pengolahan 1SPDFTTJOHOEVTUSZ 1,50 Ï 0,21 Ï 577,88 Ï Ï 14,30 0,22 0,23 Ï 0,00 Listrik, Gas, dan AirElectric, Gas and Water 0,28 Ð 0,01 Ð 81,13 Ï Ï 0,37 0,35 Ð -0,02 KonstruksiConstruction 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 1FOZFEJBBOLPNPEBTJ1FOZFEJBBO 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 Perantara KeuanganFinancial Intermediaries - - Ï - na 151,15 Ï 15,03 Ï 0,00 0,00 Ä 0,00 3FBMFTUBUF 6TBIB1FSTFXBBO +BTB 1FSVTBIBBO3FBMFTUBUF 3FOUBMVTJOFTT 4FSWJDFTPNQBOZ 2,57 2,02 Ð 0,55 Ð Ð 27,72 Ð -14,35 1,33 1,22 Ð -0,11 Administrasi Pemerintahan Pertahanan Government Administration Defence - - Ä - na 12,48 11,00 Ð 1,47 Ð -11,81 0,00 0,00 Ä 0,00 Jasa PendidikanEducation Services 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,FHJBUBO4PTJBMFBMUI 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,FNBTZBSBLBUBO4PTJBMVEBZB -BJOOZBPNNVOJUZ4FSWJDFT0UIFS Socio-Cultural Services 0,17 0,14 Ð 0,03 Ð Ï 13,88 Ï 25,78 0,31 0,20 Ð -0,11 TINJAUAN BISNIS INDUSTRI BNPVOUFE UP ZPZ CBOL bjb’s demand deposit EFOPNJOBUFEJO3VQJBIJTPOFDPNQPOFOUJOEFQPTJUTXJUI UIFIJHIFTUHSPXUISBUF OBNFMZHSFXCZ ZPZ XJUI BOJODSFBTFPGNBSLFUTIBSFBHBJOTUUIF3VQJBIEFNBOE EFQPTJUJTPGPNNFSDJBMBOLTPG ZPZ t 5IFHSPXUIPGOFUQSPmUPGDPNNFSDJBMCBOLTJOFDFNCFS XBT ZPZ XIJMFUIFCBOL bjb TOFUQSPmUHSPXUI EFDSFBTFECZ ZPZ 6OEFSUIFTFDPOEJUJPOT UIF market share of bank bjb’s assets against the asset’s of DPNNFSDJBM CBOLT BNPVOUFE UP PS EFDMJOFE CZ ZPZ DPNQBSFEUPFDFNCFS EDQN EME·6 5,7 05.7 6+5 ,167 THE CREDIT MARKET SHARE OF COMMERCIAL BANKS 109 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BUSINESS INDUSTRY REVIEW POS KEUANGAN -1045 bank bjb Bank Umum Commercial Banks Market Share bank bjb terhadap Bank Umum Market Share bjb bank to commercial banks ¨ Realisasi 3FBMJ[BUJPO TriliunTrillion Rp Pertumbuhan Growth Des Dec 2013 - Des Dec 2014 Realisasi 3FBMJ[BUJPO TriliunTrillion Rp Pertumbuhan Growth Des Dec 2013 - Des Dec 2014 Des Dec 2013 Des Dec 2014 Triliun Trillion Rp Des Dec 2013 Des Dec 2014 Triliun Trillion Rp Des Dec 2013 Des Dec 2014 +BTB1FSPSBOHBOZBOH.FMBZBOJ3VNBI TanggaIndividual Services Serving PVTFIPMET - - Ä - na 1,54 2,22 Ï Ï 44,43 0,00 0,00 Ä 0,00 Badan Internasional Badan Ekstra OUFSOBTJPOBM-BJOOZBOUFSOBUJPOBM Agencies Other Extras of International Agencies - - Ä - na 0,32 0,21 Ð 0,11 Ð 0,00 0,00 Ä 0,00 ,FHJBUBOZBOHFMVN+FMBTBUBTBOOZB Activites with Unclear Limitations - - Ä - na Ï Ï 0,00 0,00 Ä 0,00 3VNBI5BOHHBPVTFIPMET 3,85 4,31 Ï Ï 12,03 832,75 Ï 144,70 Ï 21,03 0,52 Ð -0,04 VLBO-BQBOHBO6TBIBPOVTJOFTT 28,88 Ï 4,75 Ï 222,07 Ð Ð -18,53 13,00 Ï Total Kredit UMKM Menurut Skala Usaha Total SME Loan Based on Business Scale Ð 1,10 Ð -22,04 Ï Ï 10,33 0,82 0,58 Ð -0,24 Kredit MikroMicro Credit 3,70 Ð 1,04 Ð -28,21 140,27 Ï 21,38 Ï 3,11 Ð -1,22 Kredit KecilSmall Credit 1,22 1,13 Ð Ð Ï Ï 8,37 Ð -0,10 Kredit MenengahMiddle Credit 0,08 0,11 Ï 0,03 Ï 45,51 303,55 Ï Ï 8,54 0,02 0,03 Ï 0,01 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 EFOHBOQFSUVNCVIBOLSFEJUZBOHDVLVQUJOHHJZBJUV TFCFTBS TFSUB market share TFCFTBS • 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 • 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 PGUIFBOLXJUIIJHIDSFEJUHSPXUIOBNFMZBOEB 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 bjb T DSFEJU EFOPNJOBUFE JO 3VQJBI JO FDFNCFS HSFXCZ ZPZ NFBOXIJMFGPSFJHODVSSFODZ EFOPNJOBUFEMPBOTSFDPSEFEBEFDMJOFJOHSPXUIPG ZPZ OUFSNTPGNBSLFUTIBSF CPUI3VQJBIBOEPSFJHO VSSFODZSFEJUFRVBMMZEFDSFBTFECZ ZPZ GPSUIF 3VQJBIEFOPNJOBUFEMPBOTBOEEFDSFBTFECZ ZPZ GPSGPSFJHODVSSFODZMPBOT • For MSME loans in December 2014, MSME loans of PNNFSDJBM BOLT SFDPSEFE B HSPXUI PG ZPZ OBNFMZUIFDPOUSJCVUJPOPGUIFHSPXUIPG.4.MPBOTUP BOZCVTJOFTTTDBMF.FBOXIJMFJOCBOL bjb JODSFBTFPOMZ occurred in lending to medium-scaled enterprises which HSFXPWFSUIFQSFWJPVTZFBS 110 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO KONSUMER CONSUMER 111 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data 1BEB UBIVO UFLBOBO UFSIBEBQ EBZB CFMJ NBTZBSBLBU DVLVQ CFTBS NFOHJOHBU JOnBTJ NBTJI UJOHHJ ZBJUV TFCFTBS 4BMBITBUVQFNJDVVUBNBOZBBEBMBILFOBJLBOIBSHB CBIBOCBLBSNJOZBLQBEBPWFNCFS OEJLBTJ NFMFNBIOZB EBZB CFMJ NBTZBSBLBU TBMBI TBUVOZB EJUVOKVLBONFMBMVJIBTJM4VSWFJ,POTVNFOZBOHEJMBLVLBOPMFI Badan Pusat Statistik BPS. Pada survei Desember 2014, OEFLT,FZBLJOBO,POTVNFOUFSDBUBUTFCFTBS UVSVO QPJOEJCBOEJOHLBOJOEFLTTFCFMVNOZB 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 ,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 O QSFTTVSFPOQVSDIBTJOHQPXFSXBTRVJUFTJHOJmDBOU DPOTJEFSJOH UIF IJHI JOnBUJPO OBNFMZ BU UIF MFWFM PG One of the main drivers was the increase in fuel prices in PWFNCFS 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 JOFDFNCFS UIFPOTVNFSPOmEFODFOEFYTUPPEBU PSEFDSFBTFECZQPJOUTDPNQBSFEUPUIFQSFWJPVT index. 5IFSFTVMUTPGUIJTTVSWFZTIPXFEUIBUUIFEFWFMPQNFOUBOE FYQFDUBUJPOTPGUIFDPNNVOJUZTDPOTVNQUJPOJTJOnVFODFECZ UIFJSWJFXPOUIFFDPOPNJDTJUVBUJPO5IFSFTVMUTPGUIFTVSWFZ performed in December revealed that one of the factors suppressing consumption was the rise of subsidized fuel prices. 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 CONSUMER 112 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO 4FEBOHLBOEJ1 SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJ QBEBUBIVOTFCFTBS3Q USJMJVO+JLBEJCBOEJOHLBO UBIVOTFCFMVNOZBNFOHBMBNJLFOBJLBO 4FEBOHLBO QBEBUBIVOEJCBOEJOHLBOUBIVO QFSUVNCVIBOOZB NFODBQBJ 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 STRATEGI 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

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 NBTZBSBLBUEFOHBOOBNB bjb 5BOEBNBUB.ZJSTU

B. Pricing Strategy

Bersamaan dengan strategi pengembangan produk, bank bjb melakukan evaluasi terhadap penetapan suku CVOHB1,ZBOHEBQBUEJCFSJLBOLFQBEBOBTBCBIBM JOJ EJMBLVLBO BHBS QSPEVL ZBOH EJLFMVBSLBO 1FSVTBIBBO EBQBUCFSTBJOHEJUFOHBILPNQFUJTJZBOHLFUBU,FCJKBLBO ini diambil dengan memperhatikan kondisi internal bank serta 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. 4FKVNMBI JOJTJBUJG TUSBUFHJ TFQBOKBOH UBIVO ZBOH EJKBMBOLBOBEBMBI 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. PS UIF DPMMFDUJPO PG UIJSE QBSUZ GVOET 1, JO DPNNFSDJBM CBOLT CZUIFFOEPGUIFOVNCFSSFBDIFE3Q USJMMJPOPSBOJODSFBTFPGDPNQBSFEUPTGPSUIF ZFBSHSPXUIXBTIJHIFSOBNFMZDPNQBSFEUPUIF ZFBS STRATEGY 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. 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.ZJSTU

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 QSPEVDUTJTTVFECZUIFPNQBOZDBODPNQFUFJOJOUFOTF DPNQFUJUJPO5IJTQPMJDZXBTUBLFOXJUIEVFSFHBSEUPUIF internal condition of the Bank and the market.

C. Integrated Marketing

To be able to reach a wider customer, bank bjb also developed a model of integrated marketing undertaken XJUIBOVNCFSPGQBSUJFT5IJTTUSBUFHZJTJOUFOEFEUPFBTF UIFNBSLFUQFOFUSBUJPOQFSGPSNFECZUIFPNQBOZ A number of strategic initiatives undertaken during the ZFBSXFSF KONSUMER 113 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data

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 +BXBBSBUEBOBOUFOUFSLBJUEFOHBOQFOZBMVSBO EBOB CBOUVBO PQFSBTJPOBM TFLPMBI TFOJMBJ 3Q triliun. • Kerja sama dengan Dinas Pendidikan Provinsi +BXB BSBU UFSLBJU EFOHBO QFOZBMVSBO BOUVBO 4PTJBMVLVTFOJMBJ3Q 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

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.

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 bjb UFMBINFOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSB FGFLUJGUFSQBEVEBOCFSLFTJOBNCVOHBONFMBMVJ t 1SPHSBN1FUJLBEJBICBOL bjb 2014-2015 • Program berhadiah langsung bjb Tandamata Berjangka t 1SPHSBN FCZBS LIJS 5BIVO VOHB 5BCVOHBO Setingkat Deposito t 1SPHSBNBEJBI4BOH+VBSB

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 8PSLDMPTFMZXJUIUIFFQBSUNFOUPGEVDBUJPOPG West Java Province associated with the distribution of the social assistance in the form of books worth 3QCJMMJPO t 8PSLDMPTFMZXJUIUIFFQBSUNFOUPGEVDBUJPOPG West Java Province associated with the distribution PGUIF4PDJBMTTJTUBODFXPSUI3QCJMMJPO t PPQFSBUF XJUI 15 541 1FSTFSP SFUJSFNFOU savings and multipurpose retirement savings through bank accounts. The total distribution of QFOTJPO GVOET EVSJOH BNPVOUFE 3Q billion.

2. Community Approach Community Marketing