Pengembangan Layanan Proses Bisnis Development of Services Business Process

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

1FOZFNQVSOBBO QSPTFT CJTOJT NFMBMVJ QFSTJBQBO JNQMFNFOUBTJTFSUJmLBTJ40

C. Development of Services

1. We are committed to provide service excellence UP PVS DVTUPNFST CZ BMXBZT QSJPSJUJ[JOH UIF 4- Service Level Agreement in providing services. The centralized management of Trade Finance operations QSPWJEFT CFOFmUT JO UIF GPSN PG TUBOEBSEJ[BUJPO BOE DPOTJTUFODZPOUIFDPNQMJBODFUP4-JOUIFIBOEMJOH 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

3FmOFNFOU PG UIF CVTJOFTT QSPDFTT UISPVHI UIF QSFQBSBUJPO PG UIF JNQMFNFOUBUJPO PG 40 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 XBTBMJHOFEXJUIUIFNBSLFUJOHTUSBUFHZUIBUIBTCFFODBSSJFE PVUEVSJOH 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