Community Approach Community Marketing bjb Kredit Guna Bhakti bjb Kredit Abdi Bhakti bjb Kredit Guna Bhakti bjb Kredit Abdi Bhakti

113 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data

1. Kerja sama penghimpunan DPK dengan pihak ketiga

Kerja sama dilakukan dengan pemerintah Business to Government maupun dengan dunia usaha Business to Business EBQVO SFBMJTBTJOZB TFQBOKBOH UBIVO BEBMBI • Kerja sama dengan Kementerian Pendidikan EBO ,FCVEBZBBO EBMBN IBM QFOZBMVSBO EBOB UVOKBOHBOHVSV TFSUJmLBTJ TFOJMBJ3QUSJMJVO • Kerja sama dengan Dinas Pendidikan Provinsi +BXBBSBUEBOBOUFOUFSLBJUEFOHBOQFOZBMVSBO EBOB CBOUVBO PQFSBTJPOBM TFLPMBI TFOJMBJ 3Q triliun. • Kerja sama dengan Dinas Pendidikan Provinsi +BXB BSBU UFSLBJU EFOHBO QFOZBMVSBO BOUVBO 4PTJBMVLVTFOJMBJ3Q NJMJBS • Kerja sama dengan Dinas Pendidikan Provinsi +BXB BSBU UFSLBJU EFOHBO QFOZBMVSBO BOUVBO 4PTJBM1FOEBNQJOHBOTFOJMBJ3Q NJMJBS • Kerja sama dengan PT Taspen Persero dalam IBMQFNCBZBSBOUBCVOHBOIBSJUVB UBCVOHBOIBSJ tua Multiguna dan pensiun melalui rekening bank. 5PUBMQFOZBMVSBOEBOBQFOTJVOTFMBNBUBIVO BEBMBITFCFTBS3Q NJMJBS

2. Pendekatan komunitas Community Marketing

Pada akhir Tahun 2014, bank bjb bekerja sama dengan PT Persib Bandung Bermartabat untuk LFBOHHPUBBO LMVC TFQBLCPMB 1FSTJC BOEVOH ZBOH diperoleh melalui pembukaan rekening tabungan bank bjb Tandamata dan mendapatkan fasilitas ATM Co-Branding bank bjb dengan desain khusus Persib.

3. Promosi

Kegiatan promosi untuk menarik minat nasabah UFSNBTVL TUSBUFHJ ZBOH EJKBMBOLBO PMFI CBOL bjb TFCBHBJ VQBZB NFNQFSUBIBOLBO EBO NFOJOHLBULBO kinerja di bidang konsumer. Untuk tahun 2014, bank bjb UFMBINFOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSB FGFLUJGUFSQBEVEBOCFSLFTJOBNCVOHBONFMBMVJ t 1SPHSBN1FUJLBEJBICBOL bjb 2014-2015 • Program berhadiah langsung bjb Tandamata Berjangka t 1SPHSBN FCZBS LIJS 5BIVO VOHB 5BCVOHBO Setingkat Deposito t 1SPHSBNBEJBI4BOH+VBSB

1. Cooperation with third parties in acquiring third party funds

Cooperation is established with the government Business to Government as well as with the business Business to Business, with the following realizations UISPVHIPVU t 8PSL DMPTFMZ XJUI UIF .JOJTUSZ PG EVDBUJPO BOE Culture in terms of the distribution of allowance GVOETGPSUFBDIFST DFSUJmDBUJPO XPSUI3QUSJMMJPO t 8PSL DMPTFMZ XJUI UIF FQBSUNFOU PG EVDBUJPO of West Java Province and Banten related to the distribution of school operational funds worth 3QUSJMMJPO t 8PSLDMPTFMZXJUIUIFFQBSUNFOUPGEVDBUJPOPG West Java Province associated with the distribution of the social assistance in the form of books worth 3QCJMMJPO t 8PSLDMPTFMZXJUIUIFFQBSUNFOUPGEVDBUJPOPG West Java Province associated with the distribution PGUIF4PDJBMTTJTUBODFXPSUI3QCJMMJPO t PPQFSBUF XJUI 15 541 1FSTFSP SFUJSFNFOU savings and multipurpose retirement savings through bank accounts. The total distribution of QFOTJPO GVOET EVSJOH BNPVOUFE 3Q billion.

2. Community Approach Community Marketing

At the end of 2014, the Bank cooperated with PT Persib Bandung Bermartabat for the membership of Persib Bandung football club which can be obtained CZ PQFOJOH B TBWJOHT BDDPVOU CBOL bjb Tandamata BOEBDRVJSFTUIFGBDJMJUZPG5.PSBOEJOHCBOL bjb with special design.

3. Promotion

Promotional activities to attract customers are included BT UIF BOLT TUSBUFHZ UP NBJOUBJO BOE JNQSPWF QFSGPSNBODFJOUIFmFMEPGDPOTVNFSO UIFBOL FTUBCMJTIFEBOFGGFDUJWFMZJOUFHSBUFEBOETVTUBJOBCMF QSPNPUJPOTUSBUFHZUISPVHI t 5IF1SPHSBN1FUJLBEJBICBOL bjb 2014-2015 t 5IF 1SPHSBN XJUI EJSFDU QSJ[FT CKC 5BOEBNBUB Berjangka t 5IF 1SPHSBN FCZBS LIJS 5BIVO 4BWJOHT interest the same as Time Deposits Interest t 5IF1SPHSBNBEJBI4BOH+VBSB CONSUMER 114 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO KINERJA 2014 Dana Pihak Ketiga ,POEJTJ QFSFLPOPNJBO ZBOH LVSBOH NFOEVLVOH UFSIBEBQ industri perbankan juga dirasakan oleh bank bjb. Pertumbuhan penghimpunan Dana Pihak Ketiga DPK pada segmen LPOTVNFS JLVU NFOHBMBNJ QFSMBNCBUBO TBNB IBMOZB ZBOH dialami oleh bank umum. 5PUBM 1, ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO QBEB UBIVO NFODBQBJ 3Q USJMJVO +JLB EJCBOEJOHLBO UBIVO ZBOH NFODBQBJ TFCFTBS 3Q USJMJVO CFSBSUJ NFOHBMBNJLFOBJLBO ,FOBJLBOUFSCFTBSEJBMBNJPMFI QSPEVLFQPTJUP,POTVNFSZBOHTFCFTBS 4FEBOHLBO Giro Konsumer melemah 2,55, namun Tabungan tetap naik 5,51. Dari sisi komposisi, sepanjang tahun 2014 produk Tabungan memberikan kontribusi terbesar terhadap total DPK Konsumer ZBOH NBTVL CBOL bjb ZBJUV 4FEBOHLBO JSP ,POTVNFS EBO FQPTJUP ,POTVNFS NBTJOHNBTJOH dan 24,55. Berikut ini pencapaian DPK Konsumer dalam tiga tahun terakhir 2012-2014. 3Q+VUB No Dana Pihak Ketiga 2012 2013 2014 Third Party Fund 1 Giro Konsumer 358.484 330.841 Consumer Current Account 2 Tabungan 11.777.088 Savings 3 Deposito Konsumer Consumer Deposits

A. Giro

Untuk menjawab kebutuhan bisnis dan transaksi keuangan NBTZBSBLBU ZBOH UFSVT CFSLFNCBOH CBOL bjb memiliki produk giro baik dalam mata uang rupiah maupun valas ZBOHEBQBUEJBOEBMLBOEFOHBOKBTBHJSPZBOHNFOBSJL bank bjb NFNJMJLJQSPEVLHJSP ZBJUV bjb JSP3VQJBIEBO bjb JSP7BMBTJOHHBBLIJSUBIVO HJSPLPOTVNFS ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO NFODBQBJ 3Q NJMJBS +JLB EJCBOEJOHLBO EFOHBO LJOFSKB UBIVOZBOHNFODBQBJ3Q NJMJBS NFOHBMBNJ kontraksi sebesar 2,55. 2014 PERFORMANCE Funding 5IFVOGBWPSBCMFFDPOPNJDDPOEJUJPOJOUIFCBOLJOHJOEVTUSZ XBT BMTP GFMU CZ CBOL bjb 5IF HSPXUI PG UIJSE QBSUZ GVOET DPK in the consumer segment experienced a slowdown, TJNJMBSUPUIBUFYQFSJFODFECZDPNNFSDJBMCBOLT 5PUBM EFQPTJUT TVDDFTTGVMMZ QPTUFE CZ UIF PNQBOZ JO SFBDIFE 3Q USJMMJPO PS JODSFBTFE CZ XIFO DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 3Q USJMMJPO 5IF MBSHFTU JODSFBTF XBT FYQFSJFODFE CZ POTVNFS Deposits products which amounted to 10.33. Meanwhile Consumer Current Accounts fell 2.55, however Savings still SPTFCZ In terms of composition, throughout 2014 Savings provided the MBSHFTUDPOUSJCVUJPOUPUIFUPUBMPOTVNFS5IJSE1BSUZVOET of bank bjb OBNFMZ .FBOXIJMF POTVNFS VSSFOU DDPVOU BOE POTVNFS FQPTJUT SFTQFDUJWFMZ DPOUSJCVUFE BOE 5IFGPMMPXJOHUBCMFEFTDSJCFTUIF5IJSE1BSUZVOETBDRVJSFE JOUIFMBTUUISFFZFBST 3Q+VUB

A. Current Account

5P BOTXFS UIF OFFET PG UIF CVTJOFTT BOE mOBODJBM transactions that continues to evolve, bank bjb provides current accounts denominated in rupiah and foreign exchange reliable with attractive services. bank bjb QSPWJEFT UXP DVSSFOU BDDPVOUT OBNFMZ bjb JSP3VQJBIBOECKCJSP7BMBTZUIFFOEPG UIF PNQBOZXBTBCMFUPQPTUDPOTVNFSEFNBOEEFQPTJUTPG 3QCJMMJPO BDPOUSBDUJPOPGXIFODPNQBSFE UP UIF QFSGPSNBODF JO XIJDI SFBDIFE 3Q billion, KONSUMER 115 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Berikut ini tabel pertumbuhan penghimpunan DPK Giro Konsumer bulanan dalam tiga tahun terakhir 2012-2014. Tahun Year BulanMonth 1 2 3 4 5 6 7 8 9 10 11 12 2014 -40,00 -10,33 17,22 -13,34 4,38 3,38 -10,27 -3,27 2013 7,32 -12,57 11,22 -18,74 3,14 2012 -32,54 7,80 18,51 18,20 -15,37 -2,51

B. Tabungan

Pada awal tahun 2014, dalam rangka memperluas segmen pasar dan melakukan edukasi perbankan sejak VTJB EJOJ LFQBEB NBTZBSBLBU CBOL bjb mengeluarkan QSPEVL ZBOH EJQFSVOUVLBO CBHJ TFHNFO NBTZBSBLBU EFOHBO VTJB õ 5BIVO BOBLBOBL EFOHBO call name bjb 5BOEBNBUB.ZmSTU Secara keseluruhan, untuk memenuhi kebutuhan transaksi QFSCBOLBO NBTZBSBLBU CBOL bjb NFNJMJLJ QSPEVL UBCVOHBO • bjb Tandamata • bjb Tandamata Gold • bjb Tandamata Bisnis • bjb Tandamata Berjangka • bjb Tandamata Purnabakti • bjb Tandamata Dollar • bjb 5BOEBNBUB.ZmSTU • Simpeda • Tabunganku Dengan beragam pilihan produk tersebut, nasabah bank bjb memiliki keleluasaan dalam menentukan pilihan. BM JOJ JLVU NFOEPSPOH LJOFSKB 1FSVTBIBBO EJ TFHNFO penghimpunan dana tabungan. 4FQBOKBOH UBIVO EBOB UBCVOHBO ZBOH CFSIBTJM EJIJNQVO TFCFTBS 3Q USJMJVO BUBV UVNCVI EJCBOEJOHLBO UBIVO ZBOH TFCFTBS 3Q USJMJVO 1FSUVNCVIBO ZBOH CFSIBTJM EJDBQBJ UFSTFCVU CFSBEB EJ BUBT SBUBSBUB QFSUVNCVIBO UBCVOHBO QBEB 1 ZBOH sebesar 5,35. 5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG POTVNFSFNBOEFQPTJUTJOUIFMBTUUISFFZFBST 2014.

B. Savings

O FBSMZ JO PSEFS UP FYQBOE UIF NBSLFU TFHNFOU BOEQFSGPSNCBOLJOHFEVDBUJPOGSPNBOFBSMZBHFUPUIF public, bank bjb released products that are intended for TFHNFOUTXJUIUIFBHFõZFBST DIJMESFO XJUIUIFDBMM OBNFPGCKC5BOEBNBUB.ZmSTU 0WFSBMM UP NFFU UIF DPNNVOJUZT OFFET PG UIF CBOLJOH transactions, bank bjb QSPWJEFTTBWJOHTQSPEVDUT • bjb Tandamata • bjb Tandamata Gold • bjb Tandamata Bisnis • bjb Tandamata Berjangka • bjb Tandamata Purnabakti • bjb Tandamata Dollar • bjb 5BOEBNBUB.ZmSTU • Simpeda • Tabunganku With the wide selection of products, the customers of the BOLIBWFUIFnFYJCJMJUZJODIPPTJOHUIFWBSJPVTTFMFDUJPOT 5IJT DPOUSJCVUFE UP UIF PNQBOZT QFSGPSNBODF JO acquiring savings funds. Throughout 2014, the savings funds able to be acquired SFBDIFE3QUSJMMJPO PSJODSFBTFECZDPNQBSFE UPUIFZFBS XIJDIBNPVOUFEUP3QUSJMMJPO5IF growth achieved was above the average of the growth of BPD savings, which amounted to 5.35. CONSUMER 116 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Berikut ini tabel pertumbuhan penghimpunan DPK Tabungan bulanan dalam tiga tahun terakhir 2012-2014. Tahun Year BulanMonth 1 2 3 4 5 6 7 8 9 10 11 12 2014 -11,31 11,01 5,50 8,30 2013 -5,77 10,88 -2,23 -1,84 -2,15 -2,83 12,23 0,37 28,02 2012 17,43 -5,18 -2,13 13,21

C. Deposito

6OUVL LFCVUVIBO JOWFTUBTJ ZBOH BNBO EBO UFSQFSDBZB EFOHBOUJOHLBUCVOHBZBOHCFSTBJOH CBOL bjb memiliki QSPEVLEFQPTJUPZBOHCFSWBSJBTJTFTVBJEFOHBOLFCVUVIBO NBTZBSBLBU ZBJUV • bjb Deposito Berjangka • bjb Deposito Suka Suka • bjb Deposito Valas • bjb Deposito Diskonto Kinerja penghimpunan deposito sepanjang tahun 2014 KVHBUVNCVIQPTJUJGTFCFTBS EBSJ3Q USJMJVO QBEB UBIVO NFOKBEJ 3Q USJMJVO QBEB UBIVO 4FDBSB CVMBOBO QFSUVNCVIBO UFSUJOHHJOZB UFSKBEJ QBEBCVMBOFTFNCFS ZBJUVTFCFTBS Berikut ini tabel pertumbuhan penghimpunan DPK Deposito bulanan dalam tiga tahun terakhir 2012-2014. Tahun Year BulanMonth 1 2 3 4 5 6 7 8 9 10 11 12 2014 8,04 0,57 -0,55 0,87 -7,27 -4,13 1,45 1,75 2,07 1,78 12,83 2013 -3,70 2,42 -0,41 -0,38 -1,22 3,01 4,53 2012 -32,54 7,80 18,51 18,20 -15,37 -2,51 5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG TBWJOHTJOUIFMBTUUISFFZFBST

C. Time Deposits

For the needs of safe and reliable investment with competitive interest rate, bank bjb provides time deposits products varied according to the needs of the customers, OBNFMZ • bjb Deposito Berjangka • bjb Deposito Suka Suka • bjb Deposito Valas • bjb Deposito Diskonto 5IFQFSGPSNBODFUPBDRVJSFUJNFEFQPTJUTEVSJOHUIFZFBS HSFX QPTJUJWFMZ CZ GSPN 3Q USJMMJPO JO UP 3Q CJMMJPO JO 0O B NPOUIMZ CBTJT the highest growth occurred in December, amounting to 12.83. 5IFGPMMPXJOHUBCMFEFTDSJCFTUIFNPOUIMZHSPXUIJOUJNF EFQPTJUTJOUIFMBTUUISFFZFBST KONSUMER 117 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Rencana 2015 Target Perusahaan menargetkan penghimpunan Dana Pihak Ketiga pada tahun 2015 dapat meningkat di kisaran 17 dengan QSPZFLTJ market share EJLJTBSBO BMJOJTFJSJOHEFOHBO ekspektasi bahwa perekonomian pada tahun 2015 akan jauh lebih stabil dan lebih baik dibandingkan realisasi tahun 2014. BSJ TJTJ QSPEVL NBTJOHNBTJOH QFSUVNCVIBO ZBOH EJIBSBQLBOBEBMBIJSPTFCFTBS 5BCVOHBO EBO FQPTJUP Strategi Pencapaian Untuk mencapai target tersebut, bank bjb UFMBINFOZJBQLBO TFKVNMBITUSBUFHJ EJBOUBSBOZBBEBMBI

A. Strategi produk

t .FODJQUBLBOQSPEVL1,ZBOHCFSTBJOHZBOHEBQBU memenuhi kebutuhan nasabah. t 1FOZFNQVSOBBO mUVS UBCVOHBO TFTVBJ EFOHBO QFSLFNCBOHBOLFCVUVIBOOBTBCBIZBOHEJOBNJT

B. Pricing Strategy C. Pemasaran Terpadu

• Melakukan kerja sama penghimpunan DPK dengan pihak ketiga - Kerja sama Business to Government - Kerja sama Business to Business • Strategi pemasaran melalui pendekatan komunitas Community Marketing

D. Promosi

.FOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSBFGFLUJGUFSQBEV EBOCFSLFTJOBNCVOHBONFMBMVJ t 1FOZFMFOHHBSBBO 1SPHSBN QSPNPTJ UBCVOHBO berhadiah langsung • Pengembangan program aplikasi redeem point • Promosi produk secara Above the Line dan Below The Line berkoordinasi dengan Divisi Terkait. 2015 Plan Target O UIFDPNQBOZJTUBSHFUJOHBOJODSFBTFPGUIJSEQBSUZ funds in the range of 17 with a projected market share in the range of 1.30. This is in line with expectations that the FDPOPNZJOXJMMCFNVDINPSFTUBCMFBOECFUUFSUIBO in 2014. O UFSNT PG QSPEVDUT UIF FYQFDUFE HSPXUI BSF FNBOE FQPTJUT CZ 4BWJOHT CZ BOE 5JNF FQPTJUT CZ Achievement Strategy To achieve the targets, bank bjb has prepared a number of TUSBUFHJFT OBNFMZ

A. Strategy on Product

t SFBUF5IJSE1BSUZVOETDPNQFUJOHQSPEVDUTUIBUDBO meet customers’ needs. t 3FmOF UIF GFBUVSFT PG UIF TBWJOHT QSPEVDUT JO BDDPSEBODF XJUI UIF EFWFMPQNFOU PG B EZOBNJD customer needs.

B. Pricing Strategy C. Integrated Marketing

• Perform cooperation with third-parties in acquiring 5IJSE1BSUZVOET - Business to Government Partnership - Business to Business Partnership t 5IFNBSLFUJOHTUSBUFHZUISPVHIDPNNVOJUZBQQSPBDI PNNVOJUZ.BSLFUJOH

D. Promotion

Prepare effective, integrated and sustainable promotional TUSBUFHJFTUISPVHI • Implementation Program savings promotion prizes • Development of the program redeem poin • Product promotion through Above the Line dan Below The Line coordinate with the related Divisions. CONSUMER 118 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO PEMBIAYAAN 6OUVL UBIVO QFOZBMVSBO EBOB BUBV LSFEJU EJ TFLUPS konsumsi, baik pada bank umum maupun BPD mengalami QFSMBNCBUBOBLJCBUUFLBOBOUFSIBEBQEBZBCFMJNBTZBSBLBU ZBOH UVSVO LTQFLUBTJ NBTZBSBLBU UFSIBEBQ TJUVBTJ QFSFLPOPNJBO LVSBOH PQUJNJTUJT BTJM 4VSWFJ ,POTVNFO PMFIBEBO1VTBU4UBUJTUJLNFOHPOmSNBTJLBOTJUVBTJJOJ ZBOH ditunjukan melalui Indeks Tendensi Konsumen. OEFLT QBEB FTFNCFS ZBOH NJTBMOZB NFOHBMBNJ QFOVSVOBO QPJO EJCBOEJOHLBO JOEFLT TFCFMVNOZB 1FOVSVOBO JOEFLT JOJ NFSVQBLBO TBMBI TBUV TJOZBM CBIXB NBTZBSBLBUNFOBIBOLPOTVNTJOZB 4JUVBTJJOJMBOHTVOHCFSEBNQBLUFSIBEBQQFOZBMVSBOLSFEJUEJ sektor konsumsi. Data Bank Indonesia mengungkapkan bahwa SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJQBEBCBOLVNVN IBOZBUVNCVI QBEBUBIVO NFOKBEJ3Q USJMJVO4FNFOUBSBQBEBUBIVOQFSUVNCVIBOOZBTFCFTBS EBO QBEBUBIVO Kondisi serupa terjadi pada bank daerah atau BPD. Pada UBIVO LSFEJU LPOTVNTJ UVNCVI MFCJI SFOEBI EJCBOEJOHLBOUBIVOZBOH BUBVUBIVOZBOH sebesar 24,14. STRATEGI JOHHB UBIVO CBOL bjb UFMBI NFMVODVSLBO FOBN QSPEVLLSFEJULPOTVNFSVOUVLNFMBZBOJLFCVUVIBOOBTBCBI dari berbagai kelas.

1. bjb Kredit Guna Bhakti

1SPEVL JOJ NFSVQBLBO QFNCJBZBBO VOUVL EFCJUVS CFSQFOHIBTJMBOUFUBQZBOHHBKJOZBUFMBIEJTBMVSLBONFMBMVJ bank bjb danatau tempat debitur bekerja telah memiliki perjanjian dengan bank bjb 4VNCFS QFOHFNCBMJBOOZB CFSBTBMEBSJHBKJEFCJUVSZBOHEJHVOBLBOVOUVLLFQFSMVBO konsumtif multiguna.

2. bjb Kredit Abdi Bhakti

BTJMJUBT LSFEJU ZBOH EJCFSJLBO TFDBSB LIVTVT LFQBEB pegawai bank bjb. 3. bjb Kredit Purna Bhakti 1FNCJBZBBOZBOHEJCFSJLBOPMFICBOL bjb untuk debitur dengan status pensiunan sendiri atau pensiunan janda FINANCING For 2014, the distribution of funds or credit in the consumer sector, both in the commercial banks and regional rural banks BPD experienced a slowdown due to the pressure on the purchasing power. Public expectation towards the economic TJUVBUJPOXBTMFTTPQUJNJTUJDPOTVNFS4VSWFZDPOEVDUFECZ UIFFOUSBMVSFBVPG4UBUJTUJDTDPOmSNFEUIJTTJUVBUJPO TIPXO UISPVHIUIFPOTVNFS5FOEFODZOEFY 5IFOEFYPOFDFNCFSXBTGPSFYBNQMF EFDSFBTFECZ QPJOUTDPNQBSFEUPUIFQSFWJPVTJOEFY5IFEFDMJOFJOUIF index is one of the signals that pressured consumption. This situation provided direct impact on lending in the consumer sector. Data from Bank Indonesia revealed that the actual distribution of funds for consumption in commercial CBOLT HSFX POMZ JO BOE CFDBNF 3Q USJMMJPO .FBOXIJMF JO UIF HSPXUI SFBDIFE BOE JO A similar situation occurred in the local bank or BPD. In 2014, DPOTVNFSDSFEJUHSFXCZ MPXFSUIBOUIFJO 2013 or in 2012 which amounted to 24.14. STRATEGY Until 2014, bank bjb IBT MBVODIFE TJY DPOTVNFS DSFEJU products to serve the needs of the customers in various classes.

1. bjb Kredit Guna Bhakti

5IJTQSPEVDUJTUIFmOBODJOHUPEFCUPSXJUImYFEJODPNF XIPTF TBMBSZ IBT CFFO DIBOOFMFE UISPVHI CBOL bjb BOEPSUIFQMBDFXIFSFUIFEFCUPSXPSLTBMSFBEZIBTBO agreement with bank bjb. The source of return is derived GSPNUIFTBMBSZPGUIFEFCUPSXIJDIJTVTFEGPSNVMUJQVSQPTF consumptive purposes.

2. bjb Kredit Abdi Bhakti

4QFDJBMDSFEJUGBDJMJUZHJWFOUPUIFFNQMPZFFTPGCBOL bjb. 3. Credit bjb Purna Bhakti JOBODJOH QSPWJEFE CZ CBOL bjb to debtor with retired TUBUVTPSSFUJSFEXJEPXXJEPXFSXIPTFQFOTJPOTBMBSZIBT KONSUMER 119 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data EVEBZBOHHBKJQFOTJVOOZBUFMBIEJTBMVSLBONFMBMVJCBOL bjb 4VNCFSEBOBVOUVLQFOHFNCBMJBOLSFEJUOZBCFSBTBM EBSJ NBOGBBU QFOTJVO EFCJUVS ZBOH EJHVOBLBO VOUVL keperluan konsumtif multiguna.

4. bjb Back to Back Loan