138
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
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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
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BM JOJ NFOBOEBLBO CBIXB dunia usaha masih pesimistis dalam mengembangkan
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3Q
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STRATEGI
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CBJL EBSJ TJTJ FLPOPNJ makro maupun kegiatan dunia usaha, tentu di luar kontrol
bank bjb. Bagi Perusahaan, tantangan tersebut harus disikapi
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LIVTVTOZBEJ bidang komersial dan korporasi tetap berjalan dengan baik.
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pinjaman dan Dana Pihak Ketiga atau loan to deposit ratio
-3
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A. Fokus di Sektor Produktif
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bjb mengembangkan kredit Korporasi
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QSPEVL QJOKBNBO ZBOH CFSPSJFOUBTJ QBEB LFCVUVIBO dan kepentingan nasabah. Produk kredit komersial
dikembangkan sesuai karakteristik bisnis perusahaan serta karakteristik bisnis di sektor industri.
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UIFCVTJOFTTQMBZFSTJTMPXFSXIFODPNQBSFEXJUIUIFGPVSUI quarter of 2013, where the value of ITB was 104.72.
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TJNJMBSDPOEJUJPODPOUJOVFEUPPDDVS In the Fourth Quarter of 2014, ITB reached 104.7, lower than
the previous quarter which amounted to 107.24. This indicates that the business world remains pessimistic in developing
its business because the economic condition is considered unfavourable.
The situation affects the performance of bank credit in general. Data from Bank Indonesia revealed, until December
2014 total loans of commercial banks to third parties was 3Q
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STRATEGY
External condition, both in terms of macro-economic and CVTJOFTTBDUJWJUJFT
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bjb.
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Moreover, from the internal side, one of the challenges that NVTUCFGBDFECZUIFPSQPSBUJPOTBOEPNNFSDJBMJWJTJPO
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caused limited lending movement space. O TVDI DPOEJUJPO
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A. Focus on the Productive Sector
The bank
bjb effort to develop Corporate and Commercial
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oriented to the needs and interests of customers. Commercial credit products are developed according to
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KORPORASI KOMERSIAL
139
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CORPORATE COMMERCIAL
B. Produk Andalan