Kredit UMKM Annual Report 2015 AR BJB 2015 LR

Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance 138 bank bjb Lapor an Tahunan 20 15 Annual Repor t Int ernasional Tresuri Int ernat io nal Treasury Internasional Divisi Int er nasional mengelola ber bagai layanan pr oduk per bankan t er kait t r ansaksi per dagangan int er nasional dan per dagangan lokal, seper t i pener bit an let t er of cr edit LC impor dan out going SKBDN, pr e shipment f inancing dan post shipment f inancing pr oduk t r ade f inance, r emit ansi, dan money changer . Unt uk mendukung kelancar an t r ansaksi, Per ser oan memiliki lebih dar i 40 0 bank kor esponden dan 10 Deposit or y Cor r espondent dengan 15 Nost r o Account yang t er dir i dar i 9 cur r ency. Selain it u, Per ser oan juga mengembangkan ker ja sama st r at egis dengan lembaga keuangan bank maupun non bank, t idak hanya melalui pembent ukan cr edit line unt uk mendukung bisnis Bank t et api juga melakukan t r ansaksi ant ar bank dengan under lying tr ade f inance untuk meningkatkan f ee base dan inter est income. Str ategi ini dilakukan untuk mendukung t er capainya laba Per ser oan. Tantangan dan Strategi 20 15 Per lambanan yang t er jadi pada per ekonomian global sangat ber pengar uh t er hadap kiner ja nasabah yang ber ger ak di bidang per dagangan ekspor dan impor . Kondisi ini, pada akhir nya ber pot ensi member ikan pengar uh negat if bagi kegiat an usaha Per ser oan di bidang layanan jasa per bankan int er nasional. Dalam r angka mengant isipasi t er jadinya kont r aksi pada kiner ja usaha ser t a unt uk mendukung pencapaian t ar get , sepanjang t ahun Per ser oan t er us mengembangkan pr oduk dan layanan t er baik. Beber apa hal yang t elah dilakukan, ant ar a lain: 1. Pengembangan pr oduk ant ar bank yang t elah dilakukan melalui pr oduk Guar ant ee under counter guar antee, yait u pener bit an gar ansi bank yang dit ujukan kepada per usahaan yang ber ger ak di bidang minyak dan gas, ser t a counter par ty bank tr ade f inancing yaitu pembiayaan yang diber ikan kepada counter par ty bank unt uk pener bit an SKBDN. International Int er nat ional Division manages a var iet y of ser vices r elat ed banking pr oduct s in int er nat ional t r ade and local t r ade, such as t he issuance of let t er s of cr edit LC Impor t and out going SKBDN, pr e-shipment f inancing and post shipment f inancing t r ade f inance pr oduct s, r emit t ances, and money changer . To suppor t a smoot h t r ansact ion, t he Company has mor e t han 40 0 cor r espondent banks and 10 Deposit or y Cor r espondent wit h 15 Nost r o Account consist ing of 9 cur r ency. In addit ion, t he Company is also developing a st r at egic par t ner ship wit h non-bank f inancial inst it ut ions and banks, not only t hr ough t he est ablishment of cr edit line t o suppor t t he Bank’s business, but also conduct int er -bank t r ansact ions wit h under lying t r ade f inance t o incr ease t he base f ee and int er est income. This st r at egy is t o suppor t t he achievement of t he Company’s pr of it . Challenges and Strategies in 20 15 The slowdown in t he global economy is ver y inf luent ial on t he per f or mance of client s engaged in expor t and impor t t r ade. These condit ions, in t ur n has t he pot ent ial t o negat ively impact t he Company’s oper at ions in t he f ield of int er nat ional banking ser vices. In or der t o ant icipat e a cont r act ion in business per f or mance as well as t o suppor t t he achievement of t he t ar get , dur ing t he year t he Company cont inued t o develop t he best pr oduct s and ser vices. Some t hings have been done, among ot her t hings: 1. Development of int er -bank pr oduct t hat has been done t hr ough t he Guar ant ee pr oduct s under count er guar ant ee, t he bank guar ant ee is aimed at companies engaged in oil and gas, as well as t he count er par t y bank t r ade f inancing is f inancing pr ovided t o t he count er par t y bank f or t he issuance SKBDN.