125
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
EFOHBO LFNBNQVBO NFOBXBSLBO TVLV CVOHB ZBOH LPNQFUJUJG
TFQBOKBOHUJEBLNFMBOHHBSBUVSBOZBOHTVEBI
ditetapkan oleh regulator. Untuk itu, pada tahun 2015 bank
bjb akan melakukan sejumlah hal di bidang produk
EBOTVLVCVOHBJOJ
ZBOHEJBOUBSBOZBBEBMBI • Melakukan
review kebijakan Kredit Konsumer. • Pemberlakuan struktur kredit khusus .
• Melakukan review tingkat suku bunga khusus untuk
daerah di luar provinsi Jawa Barat dan Provinsi Banten ZBJUV
MFCJISFOEBIEBSJ1TFUFNQBU
B. Promosi
Meningkatkan awareness publik terhadap produk
QFNCJBZBBOEJTFHNFOLPOTVNTJBLBOEJMBLVLBONFMBMVJ CFSBHBNTBMVSBOLPNVOJLBTJBHBSEBZBKBOHLBVQSPEVL
kredit konsumer bank bjb semakin luas. Beberapa strategi
ZBOHUFMBIEJTJBQLBOEJCJEBOHQSPNPTJ
EJBOUBSBOZB 1FMBLTBOBBO QSPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG
dan berkesinambungan seperti pembuatan marketing
tools untuk Kredit Konsumer serta pemasaran melalui media publikasi.
JMBLTBOBLBOOZB QSPHSBN reward Member Get
Member ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS
bjb
KGB bjb Kredit Pra Purna Bhakti dan debitur bjb
,SFEJU 1VSOB IBLUJ ZBOH CFSIBTJM NFNCBXB SFLBO BUBV LPMFHBOZB NFOKBEJ EFCJUVS CBSV EBO EFCJUVS
mengulang bank bjb.
- Pelaksanaan program Consumer Loan Loyalty
1SPHSBN TBMBI TBUVOZB EFOHBO QFNCFSJBO voucher
LFQBEBEFCJUVSCBSVEBOEFCJUVSZBOHNFMBLVLBO top
up. -
Gathering kepada Debitur sebagai bentuk promosi below the line, disesuaikan dengan kultural daerah
dan minat para debitur 1SPHSBNBEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM
NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV bank
bjb. C. Layanan
.FNCFSJLBO MBZBOBO UFSCBJL CBHJ OBTBCBI
LIVTVTOZB pada segmen kredit konsumer sudah menjadi komitmen
bank bjb
4FMBJO JUV
QFOJOHLBUBO LVBMJUBT MBZBOBO KVHB NFOKBEJCBHJBOEBSJTUSBUFHJNFOHIBEBQJQFSTBJOHBOZBOH
TFNBLJOLFUBUFCFSBQBJOJTJBUJGZBOHBLBOEJKBMBOLBO
EJ BOUBSBOZB
competitive interest rates, provided that the interest rates EPOPUWJPMBUFUIFSVMFTTFUCZUIFSFHVMBUPS5PUIBUFOE
in 2015 bank bjb will perform a number of initiatives in the
mFMEPGQSPEVDUTBOEJOUFSFTUSBUFT
XIJDIJODMVEF t 3FWJFXUIFPOTVNFSSFEJU1PMJDZ
t QQMZTQFDJBMDSFEJUTUSVDUVSF t 3FWJFXTQFDJmDJOUFSFTUSBUFGPSUIFBSFBPVUTJEFUIF
QSPWJODFPG8FTU+BWBBOEBOUFOOBNFMZMPXFS than the local BPD.
B. Promotion
ODSFBTJOHQVCMJDBXBSFOFTTPGUIFmOBODJOHQSPEVDUTJO UIFDPOTVNFSTFHNFOUXJMMCFQFSGPSNFEUISPVHIBWBSJFUZ
of communication channels so that the Bank’s consumer DSFEJUQSPEVDUTXJMMCFJODSFBTJOHMZXJEFTQSFBE4FWFSBM
TUSBUFHJFTQSFQBSFEJOUIFmFMEPGQSPNPUJPOJODMVEF -
Implement a more effective and sustainable marketing campaign such as the creation of marketing tools for
Consumer Credit and marketing through publication media.
- Implement rewards program Member Get Member QSPWJEFETQFDJmDBMMZGPSUIFEFCUPSTPG
bjb KGB bjb
Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti
who manage to invite friends or colleagues to become new debtors and the repeating debtor of bank
bjb.
NQMFNFOU UIF POTVNFS -PBO -PZBMUZ 1SPHSBN CZ giving vouchers to new debtor sand the debtors
performing top up. - Gathering with the debtors as a form of promotion
below the line, adapted to local culture and interests of the debtor
5IFJSFDU3FXBSE1SPHSBNGPSEFCUPSTXIPNBOBHF to invite friends or colleagues to become new debtors
of bank bjb.
C. Services
The Bank will provide the best services for customers, FTQFDJBMMZ JO UIF TFHNFOU PG DPOTVNFS DSFEJU UIBU
has become the Bank’s commitment. In addition, the JNQSPWFNFOUPGUIFRVBMJUZPGTFSWJDFTJTBMTPQBSUPGUIF
TUSBUFHZUPGBDFUIFJODSFBTJOHMZmFSDFDPNQFUJUJPO4PNF PGUIFJOJUJBUJWFTUIBUXJMMCFJNQMFNFOUFE
JODMVEF
CONSUMER
126
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
• Pengembangan sistem
aplikasi Webscoring Analisa
Kredit Konsumer. • Standardisasi formulir aplikasi pengajuan Kredit
Konsumer. • Optimalisasi
Service Level Agreement SLA di Kantor Cabang.
D. Penjualan
Dari sisi penjualan, bank bjb akan melakukan strategi
PQUJNBMJTBTJ
EJ BOUBSBOZB NFMBMVJ LFSKB TBNB EFOHBO CBOL MBJO EBMBN QFOZBMVSBO EBOB LPOTVNFS 6OUVL JUV
1FSVTBIBBO UFMBI NFOZFUVKVJ QFOBNCBIBO EBOB VOUVL kepentingan tersebut, mengingat batas ketersediaan
EBOB ZBOH BEB TVEBI NFODBQBJ NBLTJNVN 4FKVNMBI TUSBUFHJZBOHEJSFODBOBLBOQBEBUBIVO
EJBOUBSBOZB
BEBMBI -
Pemasaran secara proaktif dan berkesinambungan. -
Optimalisasi Pemasaran kepada Pensiunan dan calon Pensiunan.
1FOZBMVSBO LSFEJU NFMBMVJ QPMB channeling kepada
BPD Bengkulu -
PPLJOH0GmDF Kerja sama
Asset Buy kredit Multiguna
bjb
,
EBSJ • Bank Sulteng
• Bank Papua
MJBOTJ TUSBUFHJT ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ lembaga pengelola dana pensiunan.
.FNCVLB QFMVBOH QPUFOTJ QBTBS
TBMBI TBUVOZB NFMBLVLBO1,4EFOHBO15104EBOJOTUBOTJMBJOOZB
- Optimalisasi potensi
debitur Top Up menawarkan
LFNCBMJ LFQBEB EFCJUVS ZBOH UFMBI NFOHBMBNJ QFOVSVOBO CBLJ EFCFU EBSJ QMBGPO BXBM EBO
EFCJUVSEFOHBOKBOHLBXBLUVLSFEJUZBOHBLBOKBUVI tempo.
t 5IF FWFMPQNFOU PG UIF BQQMJDBUJPO TZTUFN 8FC TDPSJOHOBMZTJTPGPOTVNFSSFEJU
• Standardization of Consumer Credit application form • Optimizing Service Level Agreement SLA in the
SBODI0GmDFT
D. Sales
In terms of sales, bank bjb will perform optimization
strategies, including through cooperation with other banks in the distribution of consumer funds. To that end, the
PNQBOZIBTBHSFFEUPJODSFBTFGVOEJOHGPSUIJTQVSQPTF HJWFO UIF MJNJU PG UIF FYJTUJOH BWBJMBCJMJUZ PG GVOET IBT
reached the maximum. The strategies planned in 2015, BNPOHPUIFSTBSF
.BSLFUQSPBDUJWFMZBOEDPOUJOVPVTMZ 0QUJNJ[F .BSLFUJOH GPS 1FOTJPOFST BOE 3FUJSFE
candidates. -
Lending through channeling to BPD Bengkulu PPLJOH0GmDF
TTFUVZPPQFSBUJPO .VMUJQVSQPTF
DSFEJUCKC,
PG • Bank Sulteng
• Bank Papua
- More intensive strategic alliance with institutions pension fund management institutions
- Opening up the market potential, one of which performed cooperation agreement with PT POS and
other agencies - Optimize potential Top Up debtors offer back to
debtors who have experienced a decrease in the PVUTUBOEJOHEFCJUPGPGUIFJOJUJBMMJNJUBOEEFCUPST
XJUIVQDPNJOHDSFEJUNBUVSJUZ
KONSUMER
127
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CONSUMER
128
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bjb
PRECIOUS
bjb PRECIOUS
129
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bjb
1SFDJPVT NFSVQBLBO MBZBOBO ZBOH CFSTJGBU FLTLMVTJG dan personal bagi pribadi-pribadi istimewa nasabah
QFSTFPSBOHBO
ZBOH NFNJMJLJ TJNQBOBO QBEB CBOL
bjb
dalam jumlah tertentu. bjb Precious meletakkan prinsip-
QSJOTJQEBOGBMTBGBIiZBOHTBOHBUCFSIBSHBwTFCBHBJGPOEBTJ EBMBNNFXVKVELBOUVKVBOMBZBOBOFLTLMVTJGQFSCBOLBOCBHJ
nasabah prima. Yakni melalui peningkatan kredibilitas dan eksklusivitas, seperti konsep Keramahan, Kemudahan, dan
,FOZBNBOBO -BZBOBO
bjb
1SFDJPVT NFSVQBLBO MBZBOBO UFSCBJL ZBOH EJCFSJLBOLFQBEBQSJCBEJQSJCBEJJTUJNFXBZBOHNFNCVUVILBO
QFMBZBOBONBLTJNBMCBJLEBSJTFHJLFSBNBIBO
LFNVEBIBO LFOZBNBOBO
LFBNBOBO EBO UFSQFSDBZB BTBCBI
bjb
1SFDJPVT ZBOH EJTFCVU EFOHBO OBTBCBI QSJNB QFSPSBOHBO JHI FU 8PSUI OEJWJEVBMT
, harus memiliki minimal dana TFCFTBS3QZBOHEJUFNQBULBOEJCBOL
bjb.
1BEBBXBMOZB
QSPEVLUFSTFCVUCFSOBNB
bjb Prioritas. Setelah
dilakukan rebranding
QBEBFTFNCFS
OBNBMBZBOBO tersebut berubah menjadi “
bjb Precious”. Rebranding itu
bertujuan untuk menjadikan bjb
1SFDJPVTTFCBHBJNFSFLZBOH LVBUEJNBUBNBTZBSBLBU
TFLBMJHVTNFOFHBTLBOLSFEJCJMJUBT
EBOFLTLMVTJWJUBTMBZBOBOOZB
bjb Precious is a service that is exclusive and personalized
for special persons individual customers with certain amount of deposits in bank
bjb. bjb Precious places the principles
BOE QIJMPTPQIZ PG iWBMVBCMFw BT UIF GPVOEBUJPO GPS SFBMJ[JOH FYDMVTJWF CBOLJOH TFSWJDFT GPS QSJNF DVTUPNFST
OBNFMZ
UISPVHI JODSFBTFE DSFEJCJMJUZ BOE FYDMVTJWJUZ
TVDI BT UIF DPODFQUPGIPTQJUBMJUZ
BTF
BOEPOWFOJFODF
The services of bjb precious are the best services given to
special individuals requiring maximum services both in terms PG IPTQJUBMJUZ
DPOWFOJFODF
DPNGPSU
TBGFUZ BOE SFMJBCJMJUZ
The customers of bjb precious called the prime individual
DVTUPNFST JHIFUXPSUIOEJWJEVBMT
NVTUIBWFBNJOJNVN GVOEPG3Q
QMBDFEJOUIFCBOL
bjb.
OJUJBMMZ
UIF QSPEVDU XBT OBNFE
bjb Prioritas. After the
rebranding on December 12, 2012, the name of the service was changed to “
bjb Precious”. The rebranding aimed to
make bjb
1SFDJPVTBTUSPOHCSBOEJOUIFFZFTPGDVTUPNFST BTXFMMBTBGmSNDSFEJCJMJUZBOEFYDMVTJWJUZPGJUTTFSWJDFT
BJB PRECIOUS
130
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Melalui kebijakan tersebut, diharapkan dapat meningkatkan customer loyalty
TFSUB NFOBNCBI OJMBJ EBO NFNJMJLJ EBZB TBJOH UFSIBEBQ MBZBOBO TFKFOJT ZBOH EJNJMJLJ PMFI QBSB
pesaing. Untuk meningkatkan kinerja produk, bank bjb telah
melakukan sejumlah program menarik agar dapat mendorong peningkatan jumlah nasabah.
STRATEGI
4USBUFHJ ZBOH EJJNQMFNFOUBTJLBO TFQBOKBOH UBIVO dalam rangka mendukung kinerja
bjb
1SFDJPVTBEBMBI a. Mengadakan
gathering CBJLZBOHCFSTJGBUBLVJTJTJNBVQVO
CFSTJGBUBUFOTJVOUVLNFOJOHLBULBOMPZBMJUBTBOHHPUB
bjb
Precious. b. Menambah kerja sama dengan pihak ketiga untuk
meningkatkan hak istimewa privilege kepada member
bjb Precious.
D .FOJOHLBULBO LVBMJUBT MBZBOBO EFOHBO NFNCFOBIJ EBO melakukan standardisasi gerai
bjb Precious.
E .FOHHBMJQPUFOTJEBOBEJCFCFSBQBXJMBZBIUFSUFOUV
ZBOH belum terdapat gerai
bjb Precious dengan penempatan
PIC Person In Charge marketing
bjb Precious.
d. Melakukan peningkatan SDM bjb
1SFDJPVT LIVTVTOZB dalam hal penambahan kuantitas serta peningkatan
kualitas SDM bjb Precious.
Keunggulan Layanan
4FCBHBJ MBZBOBO QSJNB
OBTBCBI
bjb Precious berhak
NFOEBQBULBO MBZBOBO UFSCBJL EBO FLTLMVTJG 4FKVNMBI IBM ZBOHEJCFSJLBOPMFI1FSVTBIBBOUFSIBEBQOBTBCBIMBZBOBO
FLTLMVTJGJOJ
EJBOUBSBOZB • Memberikan Kemudahan
bjb Precious sangat memahami kesibukan dan
CFSIBSHBOZB XBLUV OBTBCBI 6OUVL JUV
bjb Precious
NFOZFEJBLBOCFSCBHBJLFNVEBIBOCBHJOBTBCBIEBMBN NFMBLTBOBLBO USBOTBLTJ QFSCBOLBO 4FQFSUJ QFMBZBOBO
transaksi perbankan secara personal dari bjb
1SFDJPVT save deposit box
TFSUBCFSBHBNLFNVEBIBOMBJOOZB • Keramahan
Keramahan dan ketulusan adalah sikap utama dalam NFMBZBOJ OBTBCBI TFCBHBJ NFNCFS
bjb Precious. bjb
Precious siap membantu menangani segala urusan perbankan Anda secara profesional.
5ISPVHIUIJTQPMJDZ
UIFBOLFYQFDUTUPJODSFBTFDVTUPNFS MPZBMUZ
BOE JODSFBTF UIF WBMVF BOE DPNQFUJUJWFOFTT UP UIF
TBNFLJOEPGTFSWJDFTPXOFECZUIFDPNQFUJUPST5PJNQSPWF the performance of the product, bank
bjb conducted a
number of interesting programs in to encourage the increase in the number of customers.
STRATEGY
The strategies implemented throughout 2014 in order to support the performance of
bjb
1SFDJPVTBSF B FMEHBUIFSJOHTFJUIFSUPBDRVJSFPSUPQSPWJEFBUUFOUJPOUP
JODSFBTFUIFMPZBMUZPGUIFNFNCFSTPG
bjb Precious.
b. Establish partnerships with third parties in order to improve the privileges for the members of
bjb Precious.
D NQSPWF UIF RVBMJUZ PG TFSWJDFT CZ JNQSPWJOH BOE standardizing
bjb Precious outlets.
d. Explore the potential of funds in certain regions with no
bjb Precious outlets with the placement of PIC Person in
Charge to market bjb Precious.
F NQSPWF UIF 3 PG
bjb
1SFDJPVT QBSUJDVMBSMZ JO UFSNT PG UIF BEEJUJPO PG RVBOUJUZ BT XFMM BT
bjb Precious human
SFTPVSDFTRVBMJUZJNQSPWFNFOU
Service Excellence
As a prime service, the customers of bjb Precious deserve
UIFCFTUBOEFYDMVTJWFTFSWJDFT5IFPNQBOZBNPOHPUIFST provides the following for the customers of this exclusive
TFSWJDF • Ease
bjb
1SFDJPVTEFFQMZVOEFSTUBOETUIFDVTUPNFSTCVTZOFTT the value of time for the customers. To that end,
bjb
1SFDJPVTQSPWJEFTDPOWFOJFODFGPSUIFDVTUPNFSTUPDBSSZ out banking transactions, such as the personal banking
services from bjb
1SFDJPVT TBWF EFQPTJU CPY BOE B WBSJFUZPGPUIFSDPOWFOJFODFT
t PTQJUBMJUZ SJFOEMJOFTTBOETJODFSJUZJTUIFNBJOBUUJUVEFJOTFSWJOH
the members of bjb Precious. bjb
1SFDJPVTJTSFBEZUPIFMQ IBOEMFBMMZPVSCBOLJOHBGGBJSTQSPGFTTJPOBMMZ
bjb PRECIOUS
131
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
t ,FOZBNBOBO FNJNFOKBHBLFOZBNBOBOEBO
privacy setiap transaksi ZBOH EJMBLVLBO
NBLB TFUJBQ OBTBCBI BLBO EJMBZBOJ EJ
SVBOHBOZBOHEJEFTBJOLIVTVTTFCBHBJLPNJUNFOVOUVL TFOBOUJBTBNFNCFSJLBOZBOHUFSCBJLVOUVLOEB
• Fasilitas pemakaian ruang pertemuan. •
Airport lounge GBTJMJUBTSVBOHUVOHHVEJCBOEBSB
IBOZB
dengan menunjukan kartu keanggotaan bjb Precious.
• Travel arrangement.
t BTBCBIUJEBLQFSMVBOUSFVOUVLCFSUSBOTBLTJ •
Customer gathering.
KINERJA 2014
Dari sisi operasional, saat ini bjb Precious sudah memiliki 11
HFSBJ VOUVL NFNCFSJLBO QFMBZBOBO TFDBSB PQUJNBM LFQBEB para nasabah. Adapun lokasi gerai
bjb
1SFDJPVTZBOHTBBU JOJCFSPQFSBTJBEBMBI
a. bjb Precious Bandung
b. bjb
1SFDJPVT3BTVOB4BJE c.
bjb Precious Serang
d. bjb Precious Cirebon
e. bjb
1SFDJPVT5BTJLNBMBZB f.
bjb Precious Bogor
g. bjb Precious Bekasi
h. bjb Precious Kelapa Gading
i. bjb Precious Tangerang
j. bjb Precious Semarang
k. bjb
1SFDJPVT4VSBCBZB Selain itu, melalui kartu keanggotaan
member, bjb Precious
sudah dapat digunakan di lebih dari 1.138 ATM bank bjb,
5. FSTBNB
EBO 13. 5. EJ TFMVSVI OEPOFTJBJOHHBUBIVO
KVNMBIOBTBCBI
bjb Precious
NFODBQBJ OBTBCBI BUBV NFOHBMBNJ QFSUVNCVIBO EJCBOEJOHLBO UBIVO ZBOH TFCBOZBL
nasabah. Dari sisi komposisi, jumlah nasabah terbesar berasal dari
BOEVOH
ZBJUV NFODBQBJ
EFOHBO KVNMBI OBTBCBI +VNMBI UFSCFTBS LFEVB EBSJ PHPS ZBOH BEB
nasabah atau 10,05 dari total nasabah bjb Precious.
• Convenience O PSEFS UP NBJOUBJO UIF DPNGPSU BOE QSJWBDZ PG FWFSZ
USBOTBDUJPO NBEF
FWFSZ DVTUPNFS XJMM CF TFSWFE JO B TQFDJBMMZ EFTJHOFE SPPN BT B DPNNJUNFOU UP BMXBZT
QSPWJEFUIFCFTUGPSZPV t 5IF6TFPG.FFUJOH3PPN
• Airport lounge, the provision of waiting room in the airport, DVTUPNFSTNBZFOUFSBOEVTFUIFSPPNPOMZCZTIPXJOHB
bjb Precious member card.
• Travel arrangement. • Customers do not need to queue to perform transactions.
• Customer gathering.
2014 PERFORMANCE
SPN UIF PQFSBUJPOBM TJEF
DVSSFOUMZ
bjb Precious has 11
outlets to provide optimal services to its customers. As for the location of the current
bjb
1SFDJPVTPVUMFUTBSF a.
bjb Precious Bandung
b. bjb
1SFDJPVT3BTVOB4BJE c.
bjb Precious Serang
d. bjb Precious Cirebon
e. bjb
1SFDJPVT5BTJLNBMBZB f.
bjb Precious Bogor
g. bjb Precious Bekasi
h. bjb Precious Kelapa Gading
i. bjb Precious Tangerang
j. bjb Precious Semarang
k. bjb
1SFDJPVT4VSBCBZB EEJUJPOBMMZ
UIFCKC1SFDJPVTNFNCFSTIJQDBSEDBOBMSFBEZ
be used in more than 1,138 bank bjb
5.
5. FSTBNB BOE
13. 5. BDSPTT OEPOFTJB 6OUJM
2014, the number of bjb
1SFDJPVTDVTUPNFSTSFBDIFE DVTUPNFSTPSHSFXDPNQBSFEUPUIFZFBSXIJDI
amounted to 3,402 customers. In terms of composition, most of the customers come from
BOEVOH
XIJDI SFBDIFE PS
DVTUPNFST 5IF TFDPOEMBSHFTUDPNFGSPNPHPS
OBNFMZDVTUPNFSTPS
10.05 of the total bjb Precious customers.
BJB PRECIOUS
132
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
3BUBSBUBQFSUVNCVIBOUBIVOBOOBTBCBI
bjb Precious sejak
tahun 2010 hingga tahun 2014 mencapai 40,31. Berikut ini tabel tentang perkembangan jumlah nasabah dalam lima
tahun terakhir.
3QNJMJBS 3QCJMMJPO
OBP 2010
2011 2012
2013 2014
Bandung 823
1045 1232
1,484
3BTVOBTBJE
227 115
345 Serang
144 180
307 353
Cirebon 133
223 304
5BTJLNBMBZB
53 85
121 Bogor
154 181
418 Bekasi
104 131
207 Kelapa Gading
147 208
247 Tangerang
72 127
200 Semarang
83 104
112
4VSBCBZB
113 151
232
Total 1.259,00
1.986,00 2.636,00
3.402,00 4.159
4FEBOHLBO OPNJOBM EBOB ZBOH EJLFMPMB QBEB UBIVO TFCFTBS 3Q
USJMJVO UVNCVI
EJCBOEJOHLBO
UBIVO ZBOH 3Q
USJMJVO FSEBTBSLBO LJOFSKB MJNB UBIVO UFSBLIJS
ZBJUV QFSJPEF
SBUBSBUB
QFSUVNCVIBO EBOB ZBOH EJLFMPMB TFDBSB UBIVOBO TFCFTBS 37,13 per tahun.
4FCBHJBO CFTBS EBOB ZBOH EJLFMPMB CFSBTBM EBSJ OBTBCBI BOEVOH
ZBJUVEFOHBOLPOUSJCVTJ
EBSJTFMVSVIEBOB
kelolaan bjb
1SFDJPVTBMJOJTFKBMBOEFOHBOKVNMBIOBTBCBI ZBOHUFSCBOZBLKVHBCFSBTBMEBSJLPUBUFSTFCVU
Berikut ini dana kelolaan bjb Precious dalam lima tahun
terakhir.
3QNJMJBS 3QCJMMJPO
OBP 2010
2011 2012
2013 2014
Bandung 1.074.773
3BTVOBTBJE
238.807 205.745
271.744 Serang
183.723 251.573
258.142 Cirebon
108.234 142.550
187.870 257.575
5BTJLNBMBZB
113.755 Bogor
215.728 225.047
Bekasi 82.155
114.114 Kelapa Gading
Tangerang 223.183
Semarang 45.823
41.327
4VSBCBZB
Total 1.533.832
2.602.309 3.017.415
3.161.721 3.367.682
The average annual growth bjb Precious customers since
2010 until 2014 reached 40.31. Below is the table of UIFEFWFMPQNFOUPGUIFOVNCFSPGDVTUPNFSTJOUIFQBTUmWF
ZFBST
Meanwhile, the nominal of funds managed in 2014 BNPVOUFEUP3Q
USJMMJPOPSHSFXCZDPNQBSFE
UP UIF ZFBS XIJDI BNPVOUFE UP 3Q
USJMMJPO BTFEPOUIFQFSGPSNBODFXJUIJOUIFMBTUmWFZFBST
OBNFMZ
in the period of 2010-2014, the average growth of the funds NBOBHFEPOBOBOOVBMCBTJTXBTQFSZFBS
Most of the funds managed were derived from the customers GSPN BOEVOH
OBNFMZ XJUI B DPOUSJCVUJPO PG PG UIF
UPUBMGVOETNBOBHFECZ
bjb Precious. This is in line with the
fact that most of the customers also come from Bandung. 5IFUBCMFCFMPXTIPXTUIFGVOETNBOBHFECZ
bjb Precious in
UIFQBTUmWFZFBST
bjb PRECIOUS
133
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BJB PRECIOUS
Khusus untuk periode 2013-2014, penjualan bjb
Precious difokuskan kepada penjualan produk-produk wealth management
BMJUVEJCVLUJLBOEFOHBOQFSUVNCVIBO produk
wealth management ZBOHCBJL
TFQFSUJEJQFSMJIBULBO
pada tabel di bawah ini.
3Q+VUB
Tahun Year
AUM Reksa Dana AUM Mutual Fund
FYP Bancassurance FYP Bancassurance
2012 2013
2014
21.005
RENCANA 2015
BMBNSBOHLBNFNCVBUMBZBOBO
bjb Precious semakin optimal
dan memiliki positioning
ZBOHLVBUEJNBTZBSBLBU
TFSUBVOUVL NFOJOHLBULBOQFSTBJOHBOEFOHBOMBZBOBOQSJPSJUBTCBOLMBJO
maka bjb Precious akan melakukan beberapa inisiatif sebagai
CFSJLVU • Memenuhi kebutuhan SDM
bjb Precious baik dari segi
kuantitas maupun kualitas. • Melakukan penambahan kerja sama pada
Merchant, Medical Arrangement, dan Education Arrangement
TFCBHBJCFOUVLQFNCFSJBOGBTJMJUBTZBOHFLTLMVTJGLFQBEB member
bjb Precious.
• Melakukan renovasi di beberapa outlet bjb Precious
sebagai bentuk standardisasi dalam memberikan LFOZBNBOBO UFSIBEBQ NFNCFS
bjb Precious, sehingga
nasabah eksisting maupun nasabah potensial merasa OZBNBO EBO UFSJTUJNFXBLBO
UJEBL TFQFSUJ CFSBEB EJ
banking hall. • Melakukan
Customer Gathering produk-produk Wealth Management
TFSUB QSPHSBN FLTLMVTJG MBJOOZB CBJL CBHJ nasabah eksisting maupun nasabah potensial bank
bjb.
TQFDJBMMZGPSUIFQFSJPE
bjb Precious sales were
focused on the sales of wealth management products. This XBTQSPWFOCZUIFTJHOJmDBOUHSPXUIPGXFBMUINBOBHFNFOU
products as shown in the table below.
3QNJMMJPO
2015 PLAN
In order to create a more optimal bjb Precious services and
BTUSPOHQPTJUJPOJOHJOUIFDPNNVOJUZ
BTXFMMBTUPJODSFBTF DPNQFUJUJPO XJUI UIF QSJPSJUZ TFSWJDFT PG PUIFS CBOLT
bjb
1SFDJPVTXJMMQFSGPSNUIFGPMMPXJOHJOJUJBUJWFT t .FFUUIFOFFETPGKC1SFDJPVT3JOUFSNTPGRVBOUJUZBOE
RVBMJUZ • Increase partnerships in terms of Merchant, Medical
Arrangement, and Education Arrangement as a form of providing exclusive facilities to the members of
bjb
Precious. t 3FOPWBUF TPNF PG UIF
bjb Precious outlets as a form
of standardization in providing comfort to members of
bjb Precious, thus existing and potential customers feel
comfortable and privileged, and do not feel like being in a banking hall.
• Organize Customer Gathering for Wealth Management products and other exclusive programs for both existing
and potential customers of bank bjb.
134
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bjb PRECIOUS
135
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BJB PRECIOUS
136
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
KORPORASI KOMERSIAL
CORPORATE COMMERCIAL
137
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Unit usaha bank bjb di bidang korporasi dan komersial
sangat bergantung pada kondisi perekonomian secara makro dan perkembangan dunia usaha. Pada tahun
2014, kondisi perekonomian di dalam negeri sedang NFOHBMBNJQFSMBNCBUBO
EJBOUBSBOZBEJJOEJLBTJLBOEFOHBO
QFSUVNCVIBO FLPOPNJ ZBOH IBOZB TFCFTBS
MFCJI SFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBZBOH
Kondisi dunia usaha juga tidak sedang bergairah, mengingat UBIVO CFSMBOHTVOH QFSJTUJXB QPMJUJL CFTBS
ZBJUV
1FNJMV -FHJTMBUJG EBO 1FNJMV 1SFTJEFO VOJB VTBIB CBOZBL ZBOH NFMBLVLBO BLTJ
wait and see untuk mengembangkan CJTOJTOZB
TBNCJM NFOBOUJ SFODBOB LFCJKBLBO QFNFSJOUBI
baru. OEJLBTJ NFMBNCBUOZB LFHJBUBO EVOJB VTBIB UFSMJIBU EBSJ
IBTJM4VSWFJ5FOEFOTJJTOJT 45
ZBOHEJMBLVLBOPMFIBOL Indonesia bersama Badan Pusat Statistik BPS. Indeks
5FOEFOTJJTOJTZBOHEBUBOZBCFSBTBMEBSJ45
NFSVQBLBO JOEJLBUPS QFSLFNCBOHBO FLPOPNJ VTBIB UFSLJOJ ZBOH
menggambarkan kondisi bisnis dan perekonomian pada triwulan berjalan dan perkiraan pada triwulan mendatang.
bank bjb
TDPSQPSBUFBOEDPNNFSDJBMCVTJOFTTVOJUTBSFIJHIMZ dependent on the macro-economic condition and business
EFWFMPQNFOUO
UIFEPNFTUJDFDPOPNZFYQFSJFODFEB TMPXEPXO
BNPOHPUIFSTJOEJDBUFECZUIFFDPOPNJDHSPXUI
PG
MPXFS UIBO UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 5.78.
The business condition was also not enthusiastic, given the QPMJUJDBMFWFOUTUIBUUPPLQMBDFJO
OBNFMZUIFMFHJTMBUJWF
FMFDUJPOBOEUIFQSFTJEFOUJBMFMFDUJPO.BOZCVTJOFTTQMBZFST took the action to wait and see in terms of business expansion,
OBNFMZXBJUJOHGPSUIFOFXHPWFSONFOUTQPMJDZQMBO Indications of slowdown in the business activities were shown
UISPVHI UIF SFTVMUT GSPN UIF VTJOFTT 5FOEFODZ 4VSWFZ 45
DPOEVDUFECZBOLOEPOFTJBBOEUIFFOUSBMVSFBV
PG 4UBUJTUJDT 14
5IF VTJOFTT 5FOEFODZ OEFY
JO XIJDI the data are derived from STB, is an indicator of the current
economic development that describes the business and economic conditions in the current quarter and forecast in the
upcoming quarter.
138
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Pada Triwulan 1-2014, Indeks Tendensi Bisnis ITB sebesar ,POEJTJ JOJ NFOVKVLBO CBIXB UJOHLBU PQUJNJTNF
pelaku bisnis lebih rendah jika dibandingkan dengan Triwulan 7ZBOHNFNJMJLJOJMBJ5TFCFTBS
Kondisi serupa berlanjut hingga akhir tahun. ITB Triwulan IV- 2014 mencapai 104,7, lebih rendah dibandingkan triwulan
TFCFMVNOZB ZBOH
BM JOJ NFOBOEBLBO CBIXB dunia usaha masih pesimistis dalam mengembangkan
CJTOJTOZB
LBSFOB LPOEJTJ QFSFLPOPNJBO EJBOHHBQ LVSBOH mendukung.
4JUVBTJ UFSTFCVU CFSQFOHBSVI QBEB LJOFSKB QFOZBMVSBO kredit perbankan secara umum. Data Bank Indonesia
NFOHVOHLBQLBO
IJOHHB FTFNCFS UPUBM LSFEJU ZBOH disalurkan bank umum terhadap pihak ketiga sebesar
3Q
USJMJVO BUBV OBJL
EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEBIBM
QBEB UBIVO
QFSUVNCVIBOOZB NFODBQBJ
EJCBOEJOHLBO UBIVO 2012.
STRATEGI
,POEJTJ FLTUFSOBM ZBOH CFSMBOHTVOH
CBJL EBSJ TJTJ FLPOPNJ makro maupun kegiatan dunia usaha, tentu di luar kontrol
bank bjb. Bagi Perusahaan, tantangan tersebut harus disikapi
EFOHBOCFSBHBNTUSBUFHJBHBSLFHJBUBOVTBIB
LIVTVTOZBEJ bidang komersial dan korporasi tetap berjalan dengan baik.
QBMBHJ EBSJ TJTJ JOUFSOBM
UBOUBOHBO ZBOH IBSVT EJIBEBQJ JWJTJ,PSQPSBTJEBO,PNFSTJBMBEBMBISBTJPBOUBSBQFOZBMVSBO
pinjaman dan Dana Pihak Ketiga atau loan to deposit ratio
-3
ZBOH ZBOH MFCJI EBSJ
,POEJTJ JOJ NFNCVBU SVBOHHFSBLQFOZBMVSBOLSFEJUNFOKBEJUFSCBUBT
BMBNLPOEJTJTFQFSUJJUV
TUSBUFHJZBOHEJKBMBOLBO1FSVTBIBBO QBEBUBIVOEJBOUBSBOZB
A. Fokus di Sektor Produktif