Fokus di Sektor Produktif Focus on the Productive Sector

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

6QBZB CBOL bjb mengembangkan kredit Korporasi EBO ,PNFSTJBM EJGPLVTLBO QBEB QFNCJBZBBO TFLUPS TFLUPS QSPEVLUJG NFMBMVJ QFOHFNCBOHBO MBZBOBO EBO QSPEVL QJOKBNBO ZBOH CFSPSJFOUBTJ QBEB LFCVUVIBO dan kepentingan nasabah. Produk kredit komersial dikembangkan sesuai karakteristik bisnis perusahaan serta karakteristik bisnis di sektor industri. O 2VBSUFS UIF VTJOFTT 5FOEFODZ OEFY 5 XBT 5IJTDPOEJUJPOBUUSJCVUFUIBUUIFMFWFMPGPQUJNJTNPG UIFCVTJOFTTQMBZFSTJTMPXFSXIFODPNQBSFEXJUIUIFGPVSUI quarter of 2013, where the value of ITB was 104.72. 6OUJMUIFFOEPGUIFZFBS 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 USJMMJPO PS JODSFBTFE POMZ CZ PWFS UIF TBNFQFSJPEJOUIFQSFWJPVTZFBSXIFSFJOUIFHSPXUI XBTDPNQBSFEUPUIFZFBS STRATEGY External condition, both in terms of macro-economic and CVTJOFTTBDUJWJUJFT JTDFSUBJOMZCFZPOEUIFDPOUSPMPGCBOL bjb. PSUIFPNQBOZ UIFTFDIBMMFOHFTNVTUCFBEESFTTFEXJUI BWBSJFUZPGTUSBUFHJFTTPUIBUCVTJOFTTBDUJWJUJFT QBSUJDVMBSMZ JOUIFBSFBTPGDPSQPSBUFBOEDPNNFSDJBMXJMMSVOTNPPUIMZ Moreover, from the internal side, one of the challenges that NVTUCFGBDFECZUIFPSQPSBUJPOTBOEPNNFSDJBMJWJTJPO JT UIF SBUJP CFUXFFO MFOEJOH BOE UIJSE QBSUZ GVOET PS MPBO UP EFQPTJU SBUJP -3 PG NPSF UIBO 5IJT DPOEJUJPO caused limited lending movement space. O TVDI DPOEJUJPO JO UIF PNQBOZ QFSGPSNFE UIF GPMMPXJOHTUSBUFHJFT

A. Focus on the Productive Sector

The bank bjb effort to develop Corporate and Commercial DSFEJUXBTGPDVTFEPOUIFmOBODJOHPGQSPEVDUJWFTFDUPST through the development of services and loan products oriented to the needs and interests of customers. Commercial credit products are developed according to UIF DPNQBOZ CVTJOFTT DIBSBDUFSJTUJDT BOE UIF CVTJOFTT characteristics in the industrial sector. 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