Create interesting programs to increase the number of bjb Increase cooperation with third parties to improve bjb Precious

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 84

g. bjb Precious Bekasi h. bjb Precious Kelapa Gading

i. bjb Precious Tangerang

j. bjb Precious Semarang

k. bjb Precious Surabaya

Keunggulan Layanan bjb Precious Sebagai layanan prima, nasabah bjb Precious berhak mendapatkan layanan terbaik dan eksklusif dengan berbagai: •฀฀ Kemudahan bjb Precious sangat memahami kesibukan dan berharganya waktu nasabah. Untuk itu, bjb Precious menyediakan berbagai kemudahan untuk anda dalam melaksanakan transaksi perbankan, diantaranya: - Pelayanan transaksi perbankan secara personal dari bjb precious. - Save deposit box. - Serta beragam kemudahan lainnya. •฀฀ Keramahan Keramahan dan ketulusan adalah sikap utama dalam melayani nasabah sebagai member bjb precious. bjb precious siap membantu menangani segala urusan perbankan anda secara profesional. •฀฀ Kenyamanan Demi menjaga kenyamanan dan privacy setiap transaksi yang dilakukan, maka setiap nasabah akan dilayani di ruangan yang didisain khusus sebagai komitmen untuk senantiasa memberikan yang terbaik untuk anda. •฀฀ Keuntungan฀lainnya Kartu member bjb Precious dapat digunakan di lebih dari 1.138 ATM bank bjb, 49.630 ATM Bersama, dan 59.662 PRIMA ATM di seluruh Indonesia. •฀฀ Fasilitas฀pemakaian฀ruang฀meeting. •฀฀ Airport฀lounge,฀fasilitas฀ruang฀tunggu฀di฀bandara,฀hanya฀dengan฀ menunjukan kartu member bjb Precious. •฀฀ Travel arrangement. •฀฀ Nasabah฀tidak฀perlu฀antri฀untuk฀bertransaksi. •฀฀ Customer gathering. Strategi dalam mendukung kegiatan bjb Precious a. Mengadakan program-program menarik untuk mendorong peningkatan jumlah member bjb Precious b. Mengadakan gathering baik yang bersifat akuisisi maupun bersifat atensi untuk meningkatkan loyalitas member eksisting bjb Precious c. Menambah kerjasama dengan pihak ketiga untuk meningkatkan privilege kepada member bjb Precious. d. Meningkatkan kualitas layanan dengan membenahi dan melakukan standarisasi outlet bjb Precious e. Menggali potensi dana di beberapa wilayah tertentu, yang belum terdapat outlet bjb Precious dengan penempatan PIC Person In Charge marketing bjb Precious bjb PRECIOUS bjb PRECIOUS

g. bjb Precious Bekasi h. bjb Precious Kelapa Gading

i. bjb Precious Tangerang

j. bjb Precious Semarang

k. bjb Precious Surabaya

Service Excellence of bjb Precious As our prime customers, bjb Precious customers are entitled for the best and exclusive services with various: •฀฀ Ease bjb Precious understands the value of time of busy customers. To that end, bjb Precious provides various facilities for our customers in carrying out banking transactions, including: - bjb Precious personalized banking services - Save deposit box. - Other services with ease. •฀฀ Hospitality Hospitality and sincerity is the main attitude in serving the bjb Precious customers. bjb Precious is ready to assist you with all of your banking needs in a professional manner. •฀฀ Convenience฀ In order to maintain the comfort and privacy of every transaction, every customer will be served in a room that was designed specifically as a commitment to always provide the best for you. •฀฀ Other฀Beneits bjb Precious membership card can be used in more than 1,138 bank bjb ATM, 49,630 Joint ATM, and 59,662 PRIMA ATM throughout Indonesia. •฀฀ The฀facility฀to฀use฀the฀meeting฀room.฀ •฀฀ Airport฀ lounge,฀ facilities฀ in฀ the฀ airport฀ waiting฀ room,฀ just฀ by฀ showing your bjb Precious membership card. •฀฀ Travel฀arrangement. •฀฀ Customers฀do฀not฀need฀to฀queue฀when฀conducting฀transactions.฀ •฀฀ Customer฀gathering. Strategies to support the activities of bjb Precious include

a. Create interesting programs to increase the number of bjb

Precious customers. b. Organize gathering with the purpose of both acquisition and attention in order to increase the loyalty of existing bjb Precious customers.

c. Increase cooperation with third parties to improve bjb Precious

privileges to customers. d. Improving the quality of services by improving and standardizing the bjb Precious Outlets. e. Explore the potential of funds in certain areas where there is no bjb Precious outlets with the placement of the PIC Person in Charge for bjb Precious marketing. Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 85 Consolidated Financial Statements f. Melakukan peningkatan SDM bjb Precious khususnya dalam hal penambahan kuantitas serta peningkatan kualitas SDM bjb Precious Kinerja Layanan bjb Precious sampai dengan Desember 2013 Dana Pihak Ketiga bjb precious per Desember 2008 hingga Desember 2013 dalam miliar rupiah OBP Desember 2013 Desember 2012 Desember 2011 Deember 2010 Desember 2009 Nasabah Nominal Nasabah Nominal Nasabah Nominal Nasabah Nominal Nasabah Nominal Bandung 1.232 1.236.356 1.045 1.081.398 823 1.074.773 497 538.953 531 535.750 Jakarta 266 205.745 168 238.807 115 102.406 227 439.553 126 144.208 Serang 334 244.993 260 299.647 180 251.573 144 183.723 131 132.667 Cirebon 223 210.148 161 187.870 133 142.550 93 108.234 Tasik 166 145.769 121 113.755 85 98.260 53 51.594 Bogor 336 275.960 207 225.047 181 215.728 154 129.621 Bekasi 168 159.486 131 148.894 104 114.114 91 82.155 K. Gading 208 301.419 147 356.782 97 286.669 Tangerang 200 184.789 127 121.890 72 96.861 Semarang 104 40.289 89 45.823 83 50.049 Surabaya 192 156.766 151 197.501 113 169.326 TOTAL 3.429 3.161.721 2.607 3.017.415 1.986 2.602.309 1.259 1.533.832 788 812.626 Kegiatan pemasaran bjb Precious sampai dengan Desember 2013 Dalam mengelola pertumbuhannya, bjb telah melakukan beberapa kegiatan pemasaran, diantaranya sebagai berikut: •฀ Melakukan฀ customer gathering untuk lebih meningkatkan hubungan yang baik dengan nasabah, baik nasabah existing maupun prospect customer. •฀ Penyelengaraan฀ program฀ Member Get Member nasabah bjb Precious. Rencana dan strategi layanan bjb Precious tahun 2014 Dalam rangka membuat layanan bjb Precious semakin optimal dan memiliki positioning yang kuat di masyarakat, serta untuk meningkatkan persaingan dengan layanan prioritas bank lain, maka bjb Precious akan melakukan beberapa inisiatif sebagai berikut: •฀ Memenuhi฀kebutuhan฀SDM฀bjb Precious baik dari segi kuantitas maupun kualitas. •฀ Melakukan฀ penambahan฀ kerja฀ sama฀ pada฀ Merchant, Medical Arrangement, dan Education Arrangement sebagai bentuk pemberian fasilitas yang eksklusif kepada member bjb Precious. •฀ Melakukan฀ renovasi฀ di฀ beberapa฀ outlet bjb Precious sebagai bentuk standardisasi dalam memberikan kenyamanan terhadap member bjb Precious, sehingga nasabah eksisting maupun nasabah potensial merasa nyaman dan teristimewakan, tidak seperti berada di banking hall. •฀ Melakukan฀ Customer Gathering produk-produk Wealth Management serta program eksklusif lainya baik bagi nasabah eksisting maupun nasabah potensial bank bjb. f. Improve the human resources of bjb Precious, especially in terms of adding the quantity and improving the quality of the human resources of bjb Precious. Performance of services of bjb Precious until December 2013 Third-Party Funds of bjb Precious per December 2008 to December 2013 in million rupiah The marketing activities of bjb Precious until December 2013 In managing growth, bjb conducted several marketing activities, including: •฀ Organize฀customer฀gathering฀in฀order฀to฀further฀enhance฀good฀ relationships with customers, both existing customers and prospect customers. •฀ Perform฀ Member฀ Get฀ Member฀ Program฀ for฀ bjb Precious customers. bjb Precious Plan and Strategy in 2014 In order optimize the services of bjb Precious and to build strong positioning within the Public, as well as to increase competition with other banks’ priority services, bjb Precious will perform several initiatives as follows: •฀ Fulil฀the฀need฀of฀human฀resources฀of฀bjb Precious in terms of both quantity and quality. •฀ Improve฀ cooperation฀ on฀ Merchants,฀ Medical฀ Arrangements,฀ and Education Arrangements as a form of providing exclusive facilities to bjb Precious customers. •฀ Renovate฀ several฀ outlets฀ of฀ bjb Precious as a form of standardization in providing comfort to the bjb Precious customers, thus existing and potential customers will feel comfortable and privileged, not like being in the banking hall. •฀ Organize฀Customer฀Gathering฀for฀Wealth฀Management฀products฀ and other exclusive programs for both existing customers and potential customers of bank bjb. bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 86 KORPORASI DAN KOMERSIAL CORPORATE AND COMMERCIAL CORPORATE AND COMMERCIAL KORPORASI DAN KOMERSIAL Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 87 Consolidated Financial Statements Tahun 2013 bisa dikatakan sebagai masa penuh cobaan bagi industri di Tanah Air. Banyak risiko bisnis yang menjadi perhatian dan mempengaruhi kinerja korporasi. Sejak awal 2013, kalangan industri masih dibayangi oleh ancaman eksternal berupa penurunan permintaan global, yang disertai dengan menurunnya harga komoditas. Selain itu, kebijakan bank sentral Amerika Serikat atau Federal Reserve The Fed yang akan melakukan tapering off atau pengurangan stimulus moneter, juga telah berdampak terhadap aliran modal keluar. Di dalam negeri, hal itu mengakibatkan tekanan terhadap nilai tukar rupiah. Tekanan terhadap kondisi internal juga cukup besar. Terutama terkait dengan peningkatan biaya produksi akibat kenaikan harga bahan bakar minyak, tarif listrik, serta penyesuaian upah minimum regional pada sejumlah daerah di Indonesia. Dalam situasi tersebut, bank bjb selalu menjaga unsur kehati- hatian dalam penyaluran kredit, walaupun selalu berupaya mengembangkan kredit korporasi dan komersial. Dalam konteks ini, Perseroan memfokuskan diri pada pembiayaan sektor produktif melalui pengembangan layanan produk pinjaman yang berorientasi pada kebutuhan dan kepentingan nasabah. Produk kredit korporasi dan komersial dikembangkan sesuai karakteristik bisnis perusahaan serta sektor industri. 2013 can be regarded as a time of trial for the Indonesian industry. Several business risks affecting the Company’s performance required attention. In early 2013, the industry was still overshadowed by an external threat in the form of decline in the global demand, accompanied by the fall of commodity prices. In addition, the Central Bank of the U.S or the Federal Reserve the Fed performed tapering off or reduction of monetary stimulus, thus providing impact on capital outflows. Domestically, it resulted pressure on the exchange rate. Pressure towards the internal condition was also significantly large, particularly related to the increase in production costs due to the higher fuel-oil price, electricity tariff and the adjustment to minimum wage in some areas in Indonesia. In such situation, bank bjb always implemented the principle of prudence in lending while striving to increase corporate and commercial loans. In this context, the Company focused on the financing of the productive sector through the development of customer need and interest oriented loan products. Corporate and commercial loan products were developed according to the characteristics of business of the Company and the industrial sectors. 6,98T Kredit Korporasi Komersial Corporate Commercial Credit 10,88 Pertumbuhan Growth Rp + kirim dan terima uang asing menjadi lebih mudah dan lebih cepat dimanapun Anda, kini kirim dan terima uang asing menjadi lebih mudah dan lebih cepat dengan bjb transfer valas transfer valas bjb Dengan nilai tukar yang bersaing, bjb Foreign Exchange siap melayani kebutuhan transaksi mata uang asing Anda Berbagai kemudahan dan keuntungan dalam transaksi valuta asing Foreign Exchange bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 88 Hingga Desember 2013, posisi kredit kelolaan Divisi Korporasi dan Komersial telah mencapai Rp6,983 triliun atau 15,37 dari total posisi kredit bank bjb yang mencapai Rp45,435 triliun. Perkembangan Bisnis Melalui strategi tersebut, kredit korporasi dan komersial terus tumbuh positif. Sepanjang tahun 2013, kredit kelolaan Divisi Korporasi dan Komersial mengalami pertumbuhan sebesar Rp685 miliar atau 10,88 YoY, yaitu dari Rp6,298 triliun menjadi Rp6,983 triliun. Pertumbuhan tersebut didominasi oleh kredit kepada Pemerintah Republik Indonesia dalam bentuk Pinjaman Dalam Negeri dan Kredit Sindikasi. Kredit Pinjaman Dalam Negeri tumbuh Rp374 miliar atau naik 181,08 YoY, sedangkan kredit Investasi Sindikasi tumbuh Rp334 miliar atau naik 79,13 YoY. Dari sisi pangsa pasar dibandingkan dengan total kredit yang disalurkan oleh industri sepanjang 2013, porsinya masih sangat kecil, yaitu 0,019. Total kredit yang disalurkan bank umum seperti data Statistik Perbankan Bank Indonesia, mencapai Rp3.319,842 triliun. Kinerja Produk Produk komersial Perseroan terbagi atas: cash loan dan non-cash loan. Sedangkan khusus produk cash loan terdiri dari kredit modal kerja dan kredit investasi. Untuk produk non-cash loan adalah layanan penerbitan garansi bank untuk proyek-proyek pemerintah maupun swasta, di mana kegiatan ini bisa meningkatkan fee based income bank bjb. Produk Cash Loan Total produk cash loan yang dibukukan bank bjb di tahun 2013 mencapai Rp6,9 triliun atau meningkat 10,88 dibanding posisi pada tahun 2012. Jenis KreditTypes of Credit 2013 KMKU 904.786.340.378 KMKU RC 515.459.693.120 KMKK 1.870.274.301.696 KMK Umum - Pada Perusahaan Pembiayaan 1.099.928.259.353 KIU 909.103.267.348 KK Asset Buy 61.935.783.037 KI PINJAMAN DALAM NEGERI S 580.830.975.391 KI PDAM 12.831.094.772 KMKU Sindikasi 270.772.529.672 KIU Sindikasi 758.008.122.830 KIU Pinjaman Daerah TOTAL 6.983.930.369.610 As of December 2013, credit managed by the Corporation and Commercial Division reached Rp6.983 trillion or 15.37 of the total loans of bjb which reached Rp45.435 trillion. Business Development Through this strategy, corporate and commercial loans continued to grow positively. Throughout the year 2013, loans managed by the Corporation and Commercial Division grew by Rp685 billion, or by 10.88 YoY, from Rp6.298 trillion to Rp6.983 trillion. The growth was dominated by the loan to the Government of the Republic of Indonesia in the form of Domestic Loan and Syndication Loan. Domestic loan grew by Rp374 billion, or an increase of 181.08 YoY, while Syndication Investment loan grew by Rp334 billion, or an increase of 79.13 YoY. In terms of market share compared to the total loans disbursed by the industry during 2013, the share was still significantly small, ie 0.019. The total loans distributed by commercial banks as recorded by the Bank Indonesia Banking Statistics data reached Rp3,319.842 trillion. Product Performance bank bjb commercial products are divided into: cash loan and non- cash loan. Meanwhile, the cash loan product consists working capital loan and investment loan. Non-cash loan is the service to issue bank guarantee for government or private projects, in which these activities can increase the fee-based income of bank bjb. Cash Loan In 2013, the total cash loan of bank bjb reached Rp6.9 trillion, an increase of 10.88 compared to the position in 2012. CORPORATE AND COMMERCIAL KORPORASI DAN KOMERSIAL Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 89 Consolidated Financial Statements Produk Non Cash Loan Sementara produk non-cash loan bank bjb hingga akhir tahun 2013 mencapai Rp1,249 triliun. Jenis Non Cash Loan 2013 Garansi Bank Penawaran Bank Guarantee Offering 65.906.991.679 Garansi Bank Pelaksanaan Bank Guarantee Executing 769.118.085.812 Garansi Bank Uang Muka Proyek Bank Guarantee Project Advance 71.127.474.046 Garansi Bank Pemeliharaan Bank Guarantee Maintaining 169.445.166.899 Garansi Bank Pembayaran Bank Guarantee Payment 171.172.821.320 Garansi Guarantee Bank Guarantee 300.000.000 Garansi Bank Sanggahan Banding Bank Guarantee Appeal 107.569.412 Garansi Bank Transaksi Perdagangan Umum Bank Guarantee General Trade Transaction 2.000.000.000 TOTAL 1.249.178.111.182 Faktor Pendukung dan Penghambat