160
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
C. Pengembangan Layanan
1. Komitmen untuk memberikan service excellent
terhadap nasabah, dengan selalu mengedepankan SLA
Service Level Agreement dalam memberikan QFMBZBOBO 1FOHFMPMBBO 0QFSBTJPOBM
Trade Finance TFDBSB UFSQVTBU NFNCFSJLBO CFOFmU CFSVQB
standardisasi dan konsistensi terhadap pemenuhan SLA dalam penanganan transaksi perdagangan.
,PNJUNFO VOUVL NFNCFSJLBO QFMBZBOBO QSJNB kepada nasabah remitansi melalui optimalisasi fungsi
Unit CSC Customer Service Care untuk penanganan
complaint handling. 3. Melaksanakan fungsi
advisory untuk memberikan TPMVTJUFSCBJLMBZBOBOQFSCBOLBOUFSLBJUUSBEFmOBODF
bagi nasabah. 1FOBNCBIBO KBSJOHBO TFSUB TJTUFN ZBOH UFSVT
dikembangkan untuk dapat mendukung transaksi bjb
quickcash EBMBNNFOKBOHLBVOBTBCBIZBOHCFSBEB
di daerah.
D. Proses Bisnis
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C. Development of Services
1. We are committed to provide service excellence UP PVS DVTUPNFST
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Service Level Agreement in providing services. The centralized management of Trade Finance operations
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of trade transactions. 2. The commitment to provide excellent service to the
remittance customers through the optimization of the function of the CSC Unit Customer Service Care for
the handling of complaint. BSSZ PVU BO BEWJTPSZ GVODUJPO UP QSPWJEF UIF CFTU
TPMVUJPOTPGCBOLJOHTFSWJDFTSFMBUFEUPUSBEFmOBODF to our customers.
5IF BEEJUJPO PG OFUXPSLT BOE TZTUFN XIJDI BSF DPOTUBOUMZ EFWFMPQFE UP TVQQPSU CKC RVJDLDBTI
transactions in reaching the customers in the regions.
D. Business Process
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DFSUJmDBUJPO
INTERNASIONAL TRESURI
161
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
KINERJA 2014
Trade Finance
1FOHFNCBOHBOCJTOJTZBOHEJMBLVLBOTFQBOKBOHUBIVO UFMBI NFOVOKVLBO USFO ZBOH DVLVQ QPTJUJG BM JOJ EJUBOEBJ
dengan kinerja bisnis USBEF mOBODF
bank bjb
ZBOH CFSIBTJM meraih total volume transaksi selama tahun 2014 mencapai
WPMVNF
NJMJBSUFSNBTVLEJEBMBNOZBWPMVNFUSBOTBLTJ antarbank.
Bisnis Remitansi
Kinerja pencapain target fee based remittance selama
tahun 2014 secara keseluruhan mencapai 114,45 dari target. Pencapaian tersebut terjadi selaras dengan strategi
QFNBTBSBO ZBOH UFMBI EJMBLVLBO TFMBNB UBIVO
ZBJUV QFOBNCBIBO5FSNJOBMTVCBHFOU 13
BHFOEJMVBSOFHFSJ
QSPNPTJQSPNPTJZBOHUFMBIEJMBLVLBOTFQBOKBOHUBIVO EBOCFSUBNCBIOZBKBSJOHBOLBOUPSCBOL
bjb.
1FMBZBOBO SFNJUBOTJ CBOL
bjb
TBBU JOJ CJTB EJMBZBOJ EJ outlet. Seiring penambahan outlet ke depan, diharapkan
semakin meningkatkan perolehan fee based dari bisnis
remitansi.
2014 PERFORMANCE
Trade Finance
Business development conducted throughout 2014 has shown QPTJUJWFUSFOE5IJTXBTSFnFDUFECZUIFQFSGPSNBODFPGCBOL
bjb
T USBEF mOBODF XJUI B UPUBM USBOTBDUJPO WPMVNF PG billion throughout 2014, including the volume of interbank
transactions.
Remittance Business
The achievement of the target of fee-based remittance during 2014 overall reached 114.45 of the target. The achievement
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OBNFMZUIFBEEJUJPOPG5FSNJOBMTVCBHFOU
13
PWFSTFBT BHFOUT
QSPNPUJPOT DPOEVDUFE UISPVHIPVU 2014, and the increase of bank
bjb
PGmDFOFUXPSL bank
bjb
T SFNJUUBODF TFSWJDFT BSF DVSSFOUMZ TFSWFE JO outlets. The addition of outlets in the future is expected to
further increase fee-based acquisition from the remittance business.
INTERNATIONAL TREASURY
162
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
INTERNASIONAL TRESURI
RENCANA 2015
Dalam rangka meningkatkan kinerja jasa pada unit usaha internasional, bank
bjb
UFMBI NFOZJBQLBO TFKVNMBI JOJTJBUJG ZBOHBLBOEJSFBMJTBTJLBOQBEBUBIVO
2015 PLAN
In order to improve the performance of services in the international business unit, bank
bjb prepared a number of
JOJUJBUJWFTUIBUXJMMCFSFBMJ[FEJO
OBNFMZ
163
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
INTERNATIONAL TREASURY
TRESURI
JWJTJ 5SFBTVSZ TFCBHBJ QFOHFMPMB MJLVJEJUBT CBOL TFDBSB keseluruhan, senantiasa terus meningkatkan aktivitas
CJTOJTOZBEBMBNSBOHLBPQUJNBMJTBTJMJLVJEJUBTEBOQFOJOHLBUBO QFOEBQBUBO CBOL BNVO QBEB UBIVO
1FSVTBIBBO
NFNBOEBOHTFCBHBJQFSJPEFZBOHQFOVIUBOUBOHBOEJQBTBS keuangan.
Dari pasar domestik, suasana politik akibat Pemilu serta QFMFNBIBOQFSFLPOPNJBOOEPOFTJBEFOHBOUJOHHJOZBEFmTJU
OFSBDB QFSEBHBOHBO
UFMBI NFOEPSPOH LFOBJLBO JOnBTJ 4FNFOUBSB EBSJ QBTBS HMPCBM
nVLUVBTJ QBTBS LFVBOHBO
terutama disebabkan oleh rencana kenaikan suku bunga Amerika Serikat Fed
Rate TFUFMBI CFSBLIJSOZB QSPHSBN
stimulus ekonomi Quantitative Easing.
Selain itu, pemerintah memutuskan untuk menaikan harga .CFSTVCTJEJTFCFTBS3QQFSMJUFSZBOHNFNCFSJLBO
UFLBOBO JOnBTJ TFIJOHHB BOL OEPOFTJB NFOBJLBO Rate
NFOKBEJTFCFTBS
EJQFOHIVKVOHUBIVOBNVO demikian, kenaikan suku bunga acuan tersebut masih dalam
LPSJEPS ZBOH UFSKBHB
TFIJOHHB MJLVJEJUBT EBMBN BLUJWJUBT transaksi pasar uang antar bank tetap terjaga.
Selain itu, dinamika nilai tukar rupiah terhadap dolar AS juga memberikan tantangan tersendiri bagi Perusahaan,
LIVTVTOZB JWJTJ 5SFBTVSZ 4FCBC CBOL
bjb harus menjaga
LFTFJNCBOHBO EBMBN QFOHFMPMBBO NBUB VBOH
LIVTVTOZB terkait dengan mata uang asing agar tidak menjadi beban
Perusahaan.
STRATEGI
Di tengah Dinamika eksternal seperti itu, Perusahaan telah mengimplementasikan sejumlah inisiatif strategi demi
menjaga kinerja bank bjb agar tetap sesuai dengan koridor.
FCFSBQBJOJTJBUJGUFSTFCVU
EJBOUBSBOZB
1. Lindung Nilai
