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
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