Nova Faisal, SH., Kn

77 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility BIRO ADMINISTRASI EFEK Securities Administration Bureau PT Blue Chip Mulia Gedung Tempo Pavilion 1, Lantai 8 Jalan H.R. Rasuna Said Kav. 10-11 Jakarta 12950 Tel. : 021 5201983 KANTOR AKUNTAN PUBLIK Public Accountant Firm Tjahjadi Tamara Gedung Jaya, Lantai 4 Jalan M.H. Thamrin Nomor 12 Jakarta 10340 Tel. : 021 31908550 BURSA PENCATATAN EFEK Indonesia Stock Exchange Bursa Efek Indonesia Indonesia Stock Exchange Gedung Bursa Efek Indonesia, Menara 1 Jalan Jenderal Sudirman Kaveling 52-53 Jakarta 12190 Tel. : 021 5150515 Lembaga Profesi Penunjang Pasar Modal Capital Market Support Bodies NOTARIS Notary M. Nova Faisal, SH., M.Kn Cyber 2 Tower, lantai 22 Jl. H.R. Rasuna Said Blok X-5 No. 13 Jakarta Selatan 12950 Tel : 021-29021312 Dr. Irawan Soerodjo, S.H.,MSi. Jl. K.H. Zainul Arifi n No.2 Komp. Ketapang Indah Blok B-2, No.4-5 Jakarta 11140 Tel. : 021 6301511 KANTOR KONSULTAN HUKUM Legal Consultant Firm Prisma Co Law Firm Cyber 2 Tower, 22nd Floor Jl. HR. Rasuna Said Blok X-5, No.13 Jakarta 12950 Tel. : 021 29021315 78 Annual Report PT Bank Artha Graha Internasional, Tbk Informasi Bagi Pemegang Saham dan Investor Shareholders and Investors Information Report to Shareholders and Stakeholders Company Profile Laporan Kepada Pemegang Saham dan Pemangku Kepentingan Wilayah Kerja dan Operasional Work Area and Operations Keterangan Description : Tahun Year 2015 2014 Kantor Cabang Branch Office 39 37 Kantor Cabang Pembantu Sub-Branch Office 64 63 Kantor Kas Cash Office 15 11 Payment Point Payment Point 14 15 Medan Pekanbaru Jambi Pontianak Berau Samarinda Balikpapan Banjarmasin Bandung Semarang Solo Bali Surabaya Palembang Lampung Jabodetabekar Batam Pangkal Pinang PT Bank Artha Graha Internasional, Tbk 78 79 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Ternate Bitung Manado Watampone Makasar Kendari Ambon Kupang PT Bank Artha Graha Internasional, Tbk 79 Tinjauan Pendukung Bisnis Business Support Overview Produk, Pemasaran, dan Pangsa Pasar Products, Marketing, and Market Shar e Sumber Daya Manusia Human Capital Teknologi Informasi Information Technology Pengungkapan Permodalan, Eksposur Risiko Dan Penerapan Manajemen Risiko Bank Disclosures of Capital, Risk Exposure, and Implementation of Bank Risk Management PT Bank Artha Graha Internasional Tbk Annual Report Laporan Tahunan 2015 82 Annual Report PT Bank Artha Graha Internasional, Tbk Informasi Bagi Pemegang Saham dan Investor Shareholders and Investors Information Report to Shareholders and Stakeholders Company Profile Laporan Kepada Pemegang Saham dan Pemangku Kepentingan Produk, Pemasaran, dan Pangsa Pasar Sejalan dengan Visi “menjadi bank terbaik pilihan masyarakat yang dikagumi stakeholders” , peningkatan komposisi dana murah masih menjadi tujuan utama dalam penerapan strategi pemasaran di bidang pendanaan dengan harapan dapat memberikan solusi keuangan dengan biaya rendah kepada masyarakat, memaksimalkan peningkatkan jumlah nasabah tabungan dan meningkatkan loyalitas nasabah sehingga tercipta nilai lebih bagi stakeholders. Products, Marketing, and Market Share In line with the vision “to become the best bank of people’s choice and admired by stakeholders”, the improvement of CASA composition remains the main goal in implementing marketing strategy in funding with the hope of providing low-budget financial solution to the community, optimizing the number of savings customer, and improving customer loyalty to create higher added value to stakeholders. Industri di sektor keuangan sangat potensial dan prospektif. Semakin kompleks dan dinamisnya industri keuangan khususnya di Indonesia tidak lepas daripada sikap antisipatif terhadap fakta bahwa sektor keuangan sangat rentan dan menjadi urutan teratas sebagai sektor yang paling mudah terkena krisis. Peran Bank sebagai lembaga intermediasi sangat bergantung pada kepercayaan dan kepuasan nasabah, baik pihak yang memiliki maupun yang membutuhkan kapital. Kesinambungan produk dan pemasaran memiliki proporsi yang sangat besar terhadap kelanjutan bisnis yang dijalankan Bank. Selain itu persaingan yang semakin ketat dan teknologi informasi yang semakin maju harus dapat direspon secara positif oleh Bank. Oleh karena itu, strategi yang matang dan sasaran pemasaran yang tepat di tahun 2015 menjadi hal yang sangat diperhatikan Bank Artha Graha Internasional dengan terus meningkatkan sarana pelayanan keuangan dengan menjalankan strategi pemasaran yang unggul untuk menjaring nasabah baru dan memberikan nilai lebih bagi nasabahnya. MANAJEMEN PENGEMBANGAN PRODUK DAN PEMASARAN Berdasarkan hal tersebut, Bank Artha Graha Internasional membentuk fungsi pengelola aspek pengembangan produk dan pemasaran di bawah garis koordinasi Direktur Konsumer MSME yang dijalankan oleh Divisi Product Development E-Banking dan Divisi Network Sales Management. The financial industry is highly potential and prospective. The increasingly complex and dynamic financial industry particularly in Indonesia cannot be separated from the anticipatory behavior of the fact that financial sector is highly vulnerable and places the first rank in the list of sectors vulnerable to crises. Bank’s role as an intermediary institution highly depends on customer trust and satisfaction, either those having or in need of capitals. Product and marketing sustainability holds a massive proportion to the business sustainability run by the Bank. In addition, fiercer competition and advanced information technology need to be positively responded by the Bank. Related therefore, proper plan and marketing targets in 2015 became the focus of Bank Artha Graha Internasional by constantly improving the financial service facilities by running excellent marketing strategies to attract new customers and provide added value for its customers. PRODUCT DEVELOPMENT AND MARKETING MANAGEMENT Based on the matter, Bank Artha Graha Internasional establishes the product development and marketing management function under the coordination line of Consumer and MSME Director which is run by Product Development and E-Banking Division and Network and Sales Management Division. 83 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Indrastomo Nugroho PROFIL KEPALA DIVISI PRODUCT DEVELOPMENT E-BANKING PROFILE OF HEAD OF PRODUCT DEVELOPMENT AND E-BANKING DIVISION PENGELOLA PENGEMBANGAN PRODUK Fungsi pengelola aspek pengembangan produk dijalankan oleh Divisi Product Development E-Banking yang membawahi Bidang Pengembangan Produk Dana dan Layanan, Pengembangan Produk E-Banking, Marketing dan Komunikasi, Business Process, dan Pengembangan Produk Kredit. PRODUCT DEVELOPMENT MANAGEMENT The product development management function is run by Product Development and E-Banking Division which leads the Fund Product and Service Development Department, Marketing and Communications, Business Process, and Credit Product Development. Direktur Konsumer MSME Director Consumer and MSME Divisi Product Development E-Banking Division Product Development and E-Banking Bagian Pengembangan Produk Dana Layanan Department Fund Products and Services Development Bagian Pengembangan Produk E-Banking Department E-Banking Product Development Bagian Marketing Komunikasi Department Marketing and Communication Bagian Business Process Department Business Process Bagian Pengembangan Kredit Department Lending Products Development Profil Kepala Product Development E-Banking dapat dilihat pada Bagian Profil Ringkas Pejabat Eksekutif. The profile of Head of Product Development and E-Banking Division can be found in the Section of Brief Profile of Executive Officers. 84 Annual Report PT Bank Artha Graha Internasional, Tbk Informasi Bagi Pemegang Saham dan Investor Shareholders and Investors Information Report to Shareholders and Stakeholders Company Profile Laporan Kepada Pemegang Saham dan Pemangku Kepentingan KEBIJAKAN PENGEMBANGAN PRODUK Arah kebijakan terkait pemasaran Bank Artha Graha Internasional selaras dengan misi perusahaan dalam memberikan solusi keuangan yang komprehensif dan inovatif sesuai kebutuhan pasar. Terkait dengan hal tersebut, Bank Artha Graha Internasional telah menyusun kebijakan pengembangan produk untuk menjangkau pangsa pasar yang lebih luas sebagai berikut : 1. Mengembangkan produk dan jasa Perbankan Pengembangan produk dan jasa perbankan pada tahun 2015 difokuskan pada peningkatan penggalangan dana murah CASA dan penyaluran pinjaman kepada sektor Usaha Mikro, Kecil dan Menengah UMKM maupun pembiayaan rumah sederhana. 2. Meningkatkan kualitas pelayanan Unggul dalam memberikan pelayanan kepada nasabah, Bank Artha Graha Internasional menerima penghargaan The Best of WoW Service Excellence Award 2015 kategori saving account BUKU I + II. Melalui berbagai pelatihan dan evaluasi frontliners semakin dituntut untuk dapat melayani sekaligus memberikan solusi keuangan yang paling tepat sesuai dengan kebutuhan bagi nasabah maupun calon nasabah. 3. Mengembangkan produk dan layanan berbasis IT Pengembangan produk dan layanan berbasis IT ditanggapi dengan sangat serius. Bank Artha Graha Internasional melakukan peningkatan core-system untuk mengakomodasi kebutuhan perbankan digital yang dapat mendukung kebutuhan transaksi perbankan sehari-hari nasabah. Nasabah makin dimudahkan dengan penambahan fitur berupa pembelian dan pembayaran berbagai macam tagihan melalui ATM dan internet banking, serta penambahan jaringan ATM. SASARAN KEGIATAN PENGEMBANGAN PRODUK Kegiatan pengembangan produk harus memiliki arah dan tujuan yang jelas dalam pelaksanaannya sehingga perlu ditentukan sasaran yang ingin dicapai. Bank Artha Graha Internasional tentunya telah memiliki rencana pengembangan bisnis baik jangka pendek, menengah maupun jangka panjang khususnya terkait pengembangan produk dan layanan yang dijalankan diantaranya : PRODUCT DEVELOPMENT POLICY The direction of Bank Artha Graha Internasional marketing policy is in accordance with Corporate mission in providing comprehensive and innovative financial solutions according to market needs. In relation to such issue, Bank Artha Graha Internasional has formulated the policy on product development to reach vaster market share as follows: 1. Developing banking products and services The development of banking products and services in 2015 was focused on improvement of Current Account Savings Account CASA, distribution of loans to Micro, Small and Medium Enterprises MSME sector, and affordable house financing. 2. Improving quality of service Excellent in providing services to customers, Bank Artha Graha Internasional received the award The Best of WoW Service Excellence Award 2015 in savings account BUKU I + II category. Through various trainings and evaluation, the frontliners are constantly demanded to be able to serve and provide the proper financial solutions in accordance with customer’s or potential customer’s needs. 3. Developing IT-based products and services The development of IT-based products and services is welcome seriously. Bank Artha Graha Internasional improves the core system to accommodate the digital needs of banking which may support daily banking transactions for the customers. The customers are facilitated with the addition of features such as the purchase and payment of various billings through ATM and internet banking as well as addition of ATM network. PRODUCT DEVELOPMENT ACTIVITY TARGETS The implementation of product development activities need to have clear direction and goals, therefore a target is needed to be set. Bank Artha Graha Internasional certainly has business development plan either short- mid- or long term particularly for the development of its products and services such as: 85 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility • Melengkapi produk kredit dan pendanaan sesuai dengan tahapan usia nasabah. • Membangun sinergi dengan pemerintah dan pemangku kepentingan untuk meningkatkan kesejahteraan masyarakat melalui penyaluran pembiayaan UMKM dan pembiayaan kepemilikan rumah sederhana bersubsidi. • Meningkatkan pendanaan murah yang berkesinambungan melalui pengembangan produk dan program CASA yang inovatif. • Perluasan electronic channel yang memberikan kemudahan akses perbankan kepada nasabah. • Peningkatan fitur dan layanan terutama melalui electronic channel yang memberikan kenyamanan dan keamanan bertransaksi nasabah. • Completing lending and funding products according to customer’s age level. • Building synergy with the government and stakeholders to improve community welfare through MSME financing distribution and subsidized affordable house ownership financing. • Improving sustainable CASA through product development and innovative CASA program. • Expanding electronic channel to provide easy banking access to customers. • Improving features and services particularly through electronic channel to provide convenience and security for customer’s transactions. Jangka Pendek Short-Term Jangka Menengah Mid-Term • Meningkatkan transaksi nasabah melalui semua jaringan yang dimiliki Bank dengan pengembangan sistem multi biller yang terintegrasi. • Peningkatan customer base dengan membangun bisnis kartu kredit . • Penggalangan dana murah melalui pengembangan transaksi e-money untuk mendukung Gerakan Nasional Non Tunai. • Meningkatkan pemberdayaan sektor mikro dan unit kerja desa melalui produk pembiayaan mikro serta sinergi dengan mitra strategis. • Perluasan akses layanan dan transaksi keuangan masyarakat melalui pengembangan program Laku Pandai. • Improving customer transactions through all Bank channels with integrated multi-biller system development. • Improving customer base with establishment of credit card business. • Collecting CASA through e-money transaction development to support Non-Cash National Movement. • Improving empowerment in micro sectors and village work unit through micro financing products and synergy with strategic partners. • Extending access to service and community financial transactions through Laku Pandai program development. Jangka Panjang Long-Term • Pengembangan bisnis bancasurrance. • Peningkatan customer engagement melalui pengembangan bisnis dan layanan wealth management. • Pengembangan produk dan layanan pembayaran berbasis e-commerce. • Meningkatkan kemudahan layanan dengan platform digital banking terkini. • Pengembangan sistem layanan nasabah melalui pengembangan call center yang terintegrasi dengan semua lini bisnis bank. • Developing the business of bancasurrance. • Improving customer engagement through business development and wealth management service. • Developing e-commerce-based payment products and services. • Improving convenient to services with current digital banking platform. • Developing customer service system by developing call center which is integrated with all bank business lines. 86 Annual Report PT Bank Artha Graha Internasional, Tbk Informasi Bagi Pemegang Saham dan Investor Shareholders and Investors Information Report to Shareholders and Stakeholders Company Profile Laporan Kepada Pemegang Saham dan Pemangku Kepentingan STRATEGI PENGEMBANGAN PRODUK Strategi pengembangan produk harus sejalan dengan rencana bisnis dan sasaran pengembangan produk Bank Artha Graha Internasional tahun 2015, sehingga dapat meningkatkan jumlah nasabah, volume dana pihak ketiga, serta fee-based income melalui peningkatan kualitas layanan, efektivitas promosi khususnya untuk mendukung pemasaran produk, program dan layanan yang disediakan. Tahun 2015 menjadi salah satu momen penting dalam perjalanan Bank Artha Graha Internasional. Terhitung beberapa produk maupun program promosi dan layanan perbankan yang telah dihasilkan berhasil menggiring pertumbuhan positif baik di sektor penghimpunan dana maupun pinjaman. Strategi pengembangan produk yang diterapkan meliputi aspek : 1. Kemudahan akses Seiring perkembangan teknologi, bank mendapatkan tantangan berat untuk dapat mengantarkan layanan perbankan ke nasabahnya tanpa harus datang ke bank. Bank Artha Graha Internasional telah melengkapi layanan perbankan online 24 jam dengan berbagai kemudahan pembelian dan pembayaran tagihan. Selain penambahan fitur tersebut, untuk melengkapi kemudahan akses layanan, Bank Artha Graha Internasional menambahkan jaringan mesin ATM off premises di lokasi-lokasi strategis, seperti tempat pembelanjaan, sekolah serta rumah sakit. 2. Solusi keuangan bagi pelanggan Bank Artha Graha Internasional menjawab kebutuhan manajemen keuangan nasabah dengan menyediakan produk dan program yang disesuaikan dengan target market, serta kegiatan dan bidang usaha masing-masing nasabah. 3. Komunikasi Kunci dari peningkatan kinerja produk dan layanan Bank Artha Graha Internasional terdapat pada cara Bank Artha Graha Internasional berkomunikasi kepada target market yang dituju. Fokus Bank Artha Graha Internasional adalah membangun sinergikemitraan dengan mitra strategis untuk dapat meningkatkan efektifitas kegiatan pemasaran. PROGRAM KERJA DAN KEGIATAN PENGEMBANGAN PRODUK DAN LAYANAN Strategi pengembangan produk dituangkan dalam bentuk program kerja yang telah disusun setiap tahunnya untuk mencapai target atau sasaran kegiatan pengembangan produk. Program kerja yang dijalankan selama tahun 2015 terkait kegiatan pengembangan produk adalah sebagai berikut : PRODUCT DEVELOPMENT STRATEGY Product development strategies need to be in line with business plan and product development targets for Bank Artha Graha Internasional in 2015 so as to improve the number of customers, third party fund volume, and fee-based income through improvement of service quality, effectiveness of promotion particularly to support product marketing, program, and provided services. 2015 was a milestone in Bank Artha Graha Internasional journey. Several products and promotional programs and banking services generated have brought positive growth both in fund collection and credit sectors.The applied product development strategies include the aspects of: The applied product development strategies include the aspects of: 1. Convenient Access As technology grows, the Bank faced significant challenges to be able to deliver its banking services to the customers without having to visit bank’s office. Bank Artha Graha Internasional has provided 24-hour online banking services with various conveniences in purchase and billing payment. In addition to the additional features, to improve convenient service, Bank Artha Graha Internasional also added off-premises ATM network at strategic locations such as shopping centers, schools, and hospitals. 2. Customer Solution Bank Artha Graha Internasional answer to our customer’s financial managerial needs by providing the products and programs tailored to the target market, in addition to their activities and lines of business. 3. Communication The key to the improvement of product and service performance at Bank Artha Graha Internasional there in our communication method with our target market. Bank Artha Graha Internasional focus is to build synergypartnerships with strategic partners to improve the effectiveness of marketing activities PRODUCT AND SERVICE DEVELOPMENT WORK PROGRAM AND ACTIVITIES Product development strategies are contained in the work program prepared annually to achieve the target of product development. The work programs implemented throughout 2015 for product development are as follows: 87 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

1. Program ”Nabung 45 dapat iPhone 6”