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
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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