MSME Loans Laporan Tahunan bank bjb 2015 AR BJB 2015 (web)
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
148
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 underlying 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
The Int er nat ional Division manages var ious banking pr oduct ser vices per t aining t o int er nat ional t r ade and local t r ade
t r ansact ions, such as t he issuance of an impor t let t er of cr edit LC and out going SKBDN, pr e-shipment f inancing
and post -shipment f inancing t r ade f inance pr oduct , r emit t ances, and money changer . To suppor t t hese
t r ansact ions, t he Bank has over 40 0 cor r espondent banks and 10 Deposit or y Cor r espondent s wit h 15 Nost r o Account
t hat compr ise of 9 cur r encies. Mor eover , t he Bank also develops st r at egic cooper at ion
wit h bank as well as non-bank f inancial inst it ut ions, not only t hr ough t he est ablishment of cr edit lines t o suppor t t he
Bank’s business but also t hr ough int er -bank t r ansact ions wit h under lying t r ade f inance t o incr ease f ee base and
int er est income. This st r at egy is car r ied out t o suppor t t he Bank’s pr of it abilit y.
20 15 Challenges and Strategy
The slowdown t hat occur r ed in t he global economy st r ongly af f ect ed t he expor t and impor t cust omer ’s per f or mance.
This condit ion, subsequent ly pot ent ially had a negat ive impact on t he Bank’s business in t he f ield of int er nat ional
banking ser vices. In t er ms of ant icipat ing a cont r act ion t o t he business
per f or mance as well as t o suppor t t he achievement of t he t ar get s, t he Bank cont inues t o develop t he best pr oduct s and
ser vices t hr oughout t he year . The act ions t aken included: 1. Development of int er -bank pr oduct s t hat wer e car r ied
out t hr ough Guar ant ee under count er guar ant ee pr oduct , specif ically issuing a bank guar ant ee aimed
at companies t hat oper at e in t he oil and gas business, as well as count er par t y bank t r ade f inancing, wher ein
f inancing is pr ovided t o t he count er par t y bank t o issue a SKBDN.
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
149
2. Sent r alisasi Penanganan
dokumen tr ade f inance yang
dilakukan secar a t er pusat sejak t ahun 20 10 , di mana pengelolaan t r ansaksi oper asional dilaksanakan oleh
checker dan analis yang ber pengalaman di bidang tr ade f inance, akan semakin member ikan nilai tambah dalam
member ikan pelayanan pr ima kepada nasabah bank bjb
sesuai dengan komit men bank. 3. Telah digunakannya
Tr ade Innovation Plus TI Plus yait u aplikasi t er ot omasi dengan
syst em cor e banking dan SWIFT sejak bulan Agust us 20 15 unt uk mendukung
pr oses layanan dokumen melalui Tr ade Innovat ion
Plus akan member ikan kemudahan dan keakur asian oper asional penanganan t r ansaksi
t r ade f inance sehingga pr oses layanan akan menjadi lebih cepat .
Mengingat alur pengir iman dokumen dar i Cabang ke Kant or Pusat cukup dilakukan melalui Aplikasi TI Plus,
sehingga t idak diper lukan lagi pengir iman dokumen baik melalui
f ax maupun email. 4. Pengembangan aplikasi
bjb Quickcash juga dilakukan
secar a t er us-mener us unt uk mewujudkan bisnis model r emit ansi yang semakin dapat diandalkan melalui
alt er nat ive solusi Host t o Host dan Web Por t al agar
dapat lebih opt imal dan user f r iendly sehingga t r ansaksi
r emit ansi ant ar a bank bjb dengan
r emit t ing agent ber jalan secar a cepat dan
r eal t ime. 2. Cent r alizing t he handling of t r ade f inance document s
t hat was cent r ally car r ied out since 20 10 , wher ein t he management of oper at ional t r ansact ions is per f or med
by a checker and analyst t hat is exper ienced in t r ade f inance, which incr easingly adds value in pr oviding
pr emium ser vices t o t he bank bjb’s cust omer s in
accor dance wit h t he Bank’s commit ment . 3. Ut ilizat ion of a Tr ade Innovat ion Plus TI Plus, specif ically
an aut omat ed applicat ion t hat uses cor e banking and SWIFT syst ems since August 20 15 t o suppor t document
ser vices pr ocess t hr ough Tr ade Innovat ion Plus t hat pr ovides convenience and oper at ional accur acy f or
handling t r ade f inance t r ansact ions t her eby acceler at ing t he ser vice pr ocess. Since t he TI Plus Applicat ion can
per f or m t he document deliver y f low f r om t he Br anch t o t he Head Of f ice, t her ef or e, document deliver y by f ax or
email is no longer r equir ed. 4. Development of a
bjb Quickcash application was also
continuously carried out to achieve the remittances business model that is increasingly depended upon
through alternative Host to Host and Web Portal solutions so as to increase optimization and user-f riendly thereby
remittance transactions between bank bjb and remitting
agents can be carried out quickly and on real time.
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
150
5. Penanganan t r ansaksi yang t er sent r alisasi, didukung oleh t enaga
t r ade yang pr of esional dan memiliki ser t if ikasi CDCS ser t a sist em
Tr ade Innovat ion Plus unt uk member ikan kenyamanan, ket epat an dan
kecepat an penanganan dokumen t r ade f inance.
6. Ter sedianya ber bagai macam pr oduk t r ade f inance
dengan st r uct ur e t r ade yang f leksibel disesuaikan
dengan kebut uhan nasabah t ailor made.
7. Ot omasi sist em di back of f ice oper asional t r ansaksi
t r ade melalui sist em TI Plus. 8. Tr ansaksi kir iman uang dalam valut a asing dengan
ber bagai cur r ency ke ber bagai negar a didukung oleh
jar ingan bank kor esponden yang t er sebar di selur uh dunia.
9. Opt imalisasi ker ja sama dengan per usahaan jasa kir iman uang unt uk memudahkan par a t enaga ker ja Indonesia
di luar neger i mengir imkan uang ke ber bagai daer ah di indonesia di mana jar ingan bank
bjb ber ada.
Kinerja di Bidang Internasional Tahun 20 15
Pada t ahun 20 15, Divisi Int er nasional t elah ber hasil memper oleh pendapat an dar i t r ansaksi
t r ade f inance, r emit ansi dan t r ansaksi ant ar bank. Kont r ibusi t er besar
diper oleh dar i t r ansaksi ant ar bank yang ber hasil mencat at kan pencapaian melebihi t ar get yang dit et apkan,
yait u sebesar 136 di at as t ar get . Pencapaian
f ee based income dan inter est income ter sebut diper oleh melalui pr oduk
tr ansaksi Guar antee under Counter Guar antee dan Counter par ty Bank Tr ade Financing. Selain
pr oduk ant ar bank yang gencar didor ong ekpansinya, pr oduk t r ade f inance kepada nasabah dan bisnis r emit ansi pun
t er us didor ong secar a lebih int ensif melalui pengembangan pr oduk-pr oduk yang inovat if ser t a st r at egi pemasar an yang
ekspansif . Selain it u, melalui ker ja sama bisnis ant ar inst it usi keuangan
selama t ahun 20 15 t ot al gar ansi bank yang t elah dit er bit kan dengan
counter guar antee counter par ty bank adalah sebesar Rp325,70 miliar . Sement ar a it u t r ansaksi
counter par ty bank tr ade Financing yang telah diber ikan kepada counter par ty
bank adalah sebesar Rp231,3 miliar . 5. Handled t r ansact ions t hat ar e cent r alized, suppor t ed by
t r ade per sonnel t hat ar e pr of essional and ar e cer t if ied CDCS as well as t he Tr ade Innovat ion Plus syst em
t o pr ovide convenience, t imeliness, and speed in t he handling of t r ade f inance document s.
6. Availabilit y of var ious t ypes of t r ade f inance pr oduct s wit h a t r ade f inance st r uct ur e t hat is f lexible in
accor dance wit h t he needs of t he cust omer t ailor made.
7. Aut omat e t r ade f inance back of f ice oper at ional syst ems t hr ough TI Plus syst em.
8. For eign-denominat ed money
deliver y t r ansact ion
wit h var ious cur r encies t o var ious count r ies suppor t ed by a
cor r espondent bank net wor k t hat is sit uat ed in var ious count r ies.
9. Opt imize cooper at ion wit h money deliver y ser vice companies t o allow over seas Indonesian wor ker s t o
easily send money t o var ious r egions in Indonesia wher ever bank
bjb’s net wor k is sit uat ed in.
International Field Perf ormance in 20 15
In 20 15, t he Int er nat ional Division successf ully gener at ed r evenues f r om t r ade f inance t r ansact ions, r emit t ances
and int er bank t r ansact ions. The lar gest cont r ibut or der ived f r om int er bank t r ansact ions t hat successf ully exceeded
t heir set t ar get , namely 136 above t ar get . This achievement of f ee-based income and int er est
income was obt ained t hr ough Guar ant ee under Count er Guar ant ee and Count er par t y Bank Tr ade Financing. Apar t
f r om int er bank pr oduct s t hat wer e aggr essively dr iven by t heir expansion, t r ade f inance pr oduct s t o cust omer s and
business r emit t ances also cont inued t o be dr iven int ensively t hr ough innovat ive development of pr oduct s as well as an
expansive mar ket ing st r at egy. Aside f r om t his, by vir t ue of business cooper at ion bet ween
f inancial inst it ut ions t hr oughout 20 15, t ot al bank guar ant ee t hat was issued wit h count er guar ant ee count er par t y banks
amount s t o Rp325.70 billion. Meanwhile, count er par t y bank t r ade f inancing t r ansact ions t hat wer e gr ant ed by
count er par t y bank amount s t o Rp231.3 billion.
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
151
Keterangan 20 15
20 14 20 13
20 12 20 11
Description
Tot al Pendapat an Int er nasional 10 .70 3,82
16.887,97 12.723,65
11.0 81,12 1.484,69
Tot al Int er nat ional Revenues Cust omer Tr ansact ion [A]
4.150 ,0 5 7.870 ,43
11.0 67,21 10 .338,94
1.469,69 Cust omer Tr ansact ion [A]
Tr ade 1.147,81
4.254,76 7.155,64
7.893,14 993,42
Tr ade - Ekspor
75,63 454,94
856,97 479,89
121,79 - Expor t
- Impor 229,61
682,46 2.351,15
2.673,66 394,78
- Impor t - Tr ade Lainnya
86,90 62,93
75,81 885,44
413,14 - Ot her s Tr ade
- Oper asional Lainnya 5,72
9,23 30 ,98
49,42 7,99
- Ot her Oper at ions - Int er est Income Tr ade
749,95 3.0 45,21
3.840 ,73 3.80 4,73
55,71 - Int er est Income Tr ade
Remit t ance 3.0 0 2,24
3.615,67 3.911,57
2.445,80 476,27
Remit t ance - West er n Union
1.733,13 2.484,18
2.829,91 1.759,64
- - West er n Union
- Clean Payment 1.114,52
965,71 1.0 81,66
686,17 476,27
- Clean Payment - Selisih Kur s CIL
154,58 165,78
- -
- - For eign Exchange CIL
Bank To Bank Tr ansact ion [B] 6.553,77
9.0 17,53 1.656,44
742,18 15,0 0
Bank To Bank Tr ansact ion [B] - Impor t Guar ant e under CG
1.687,12 1.367,20
1.536,78 713,66
- - Impor t Guar ant e under CG
- Risk Par t icipat ion -
- -
28,51 15,0 0
- Risk Par t icipat ion - Count er par t y Tr ade Financing
4.866,65 7.650 ,34
119,65 -
- - Count er par t y Tr ade Financing
Volume Transaksi Trade Volume of Transaction Trade
Keterangan 20 15
20 14 20 13
20 12 20 11
Description
1. Cust omer Tr ansact ion 1. Cust omer Tr ansact ion
- Ekspor 44.171,71
30 3.0 80 ,0 2 670 .0 17,22
337.50 9,67 10 2.312,78
- Ekspor t - Impor
44.570 ,37 241.885,92
666.569,63 897.626,60
210 .678,96 - Impor t
- Open Account Financing -
- 28.940 ,61
87.962,24 40 .189,34
- Open Account Financing - Impor t Guar ant ee SBLC
876,85 3.186,95
- 851,43
- - Impor t Guar ant ee SBLC
- Expor t Guar ant ee SBLC -
- -
- -
- Expor t Guar ant ee SBLC
Sub Total 89.618,93
548.152,89 1.365.527,46
1.323.949,94 353.181,0 7
Sub Total
2. Bank t o Bank Tr ansact ion 2. Bank t o Bank Tr ansact ion
- Risk Par t icipat ion -
- -
14.249,0 5 1.861,56
- Risk Par t icipat ion - Impor t Guar ant ee under
Count er Guar ant ee 325.70 2,63
234.129,65 289.785,52
175.118,73 -
- Impor t Guar ant ee under Count er Guar ant ee
- Financing Count er par t y 231.352,19
174.278,25 80 .679,65
- -
- Financing Count er par t y
Sub Total 557.0
5 4,82
40 8.40 7,90 370 .465,17
189.367,78 1.861,56
Sub Total Grand Total
646.673,75 956.560 ,79
1.735.992,63 1.513.317,71
355.0 42,63 Grand Total
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
152
Jumlah Transaksi Trade Number of Transactions Trade
Keterangan 20 15
20 14 20 13
20 12 20 11
Description
1. Cust omer Tr ansact ion 1. Cust omer Tr ansact ion
- Ekspor 50 ,0 0
20 7,0 0 585,0 0
397,0 0 115,0 0
- Exspor t - Impor
18,0 0 50 ,0 0
128,0 0 158,0 0
38,0 0 - Impor t
- Open Account Financing -
- 8,0 0
35,0 0 22,0 0
- Open Account Financing - Impor t Guar ant ee SBLC
1,0 0 4,0 0
- 3,0 0
- - Impor t Guar ant ee SBLC
- Expor t Guar ant ee SBLC -
- -
- -
- Expor t Guar ant ee SBLC
Sub Total 69,0 0
261,0 0 721,0 0
593,0 0 175,0 0
Sub Total
2. Bank t o Bank Tr ansact ion 2. Bank t o Bank Tr ansact ion
- Risk Par t icipat ion -
- -
2,0 0 4,0 0
- Risk Par t icipat ion - Impor t Guar ant ee under Count er
Guar ant ee 10 6,0 0
111,0 0 125,0 0
10 1,0 0 -
- Impor t Guar ant ee under Count er Guar ant ee
- Financing Count er par t y 172,0 0
125,0 0 79,0 0
- -
- Financing Count er par t y
Sub Total 278,0 0
236,0 0 20 4,0 0
10 3,0 0 4,0 0
Sub Total Grand Total
347,0 0 497,0 0
925,0 0 696,0 0
179,0 0 Grand Total
Tresuri
Divisi Tr esur i sebagai pengelola likuidit as bank secar a keselur uhan, senant iasa t er us meningkat kan akt ivit as bisnis
t r esur i dalam r angka opt imalisasi likuidit as dan peningkat an pendapat an bank. Dar i sisi pr oduk, inst r umen t r ansaksi
money mar ket member ikan kontr ibusi yang cukup besar bagi kiner ja Divisi Tr esur i, yait u melalui penempat an ant ar
bank, Rever se Repo dan penempatan SBI SDBI.
Selain it u, Divisi Tr esur i memiliki pr oduk jasa layanan t r ansaksi f or ex bagi nasabah, yait u melalui sist em
Tr easur y
Inter active Pr icing bjb TIP-FX, dengan pr icing nilai tukar
yang sangat ber saing bagi nasabah bank bjb menjadi
selling point atas besar nya volume tr ansaksi valuta asing melalui
sist em t er sebut . Upaya pengembangan volume t r ansaksi kepada nasabah-nasabah pot ensional bank
bjb menggunakan
sist em bjb TIP-FX masih menjadi pr oduk jasa andalan bagi
Divisi Tr isur i dalam t er us melakukan per t umbuhan r evenue
at as imbal hasil pelayanan kepada nasabah.
Tantangan dan Strategi 20 15
Kondisi per ekonomian global ser t a sit uasi ekonomi dan polit ik di Indonesia sepanjang 20 15 cukup ber pengar uh
t er hadap bisnis Tr easur y, namun demikian dampak dar i kondisi pasar sepanjang t ahun masih dalam kor idor yang
t er jaga sehingga likuidit as dan imbal hasil yang didapat pada akt ivit as t r ansaksi pasar uang ant ar bank t et ap t er jaga.
Nilai t ukar Dollar t er hadap Rupiah mencapai USD IDR 13.785 di pasar
spot ant ar bank di bulan Desember 20 15 dikar enakan kebut uhan valas akhir t ahun dan invest or
asing yang mengat ur ulang por t of olio yang dimiliki kar ena ekspekt asi kenaikan suku bunga The Fed di t ahun 20 15. Bank
Indonesia dan Kement er ian BUMN t elah mengimbau agar
Treasury
As t he manager f or t he bank’s liquidit y over all, t he Tr easur y Division always keeps impr oving t r easur y business act ivit ies
wit hin t he cont ext of opt imizing liquidit y and enhance bank r evenues. In t er ms of pr oduct , t he money mar ket t r ansact ion
inst r ument was a subst ant ial cont r ibut or t o t he Tr easur y Division’s per f or mance, t hr ough int er bank t r ansact ions,
Rever se Repo and SBI SDBI placement s. Mor eover , t he Tr easur y Division has f or ex t r ansact ion
ser vice pr oduct s f or cust omer s, t hr ough Tr easur y Int er act ive Pr icing
bjb TIP-FX syst em, wit h compet it ive
exchange r at e pr icing f or bank bjb’s client s ser ve as t he
selling point on t he scale of t he f or ex t r ansact ion volume t hr ough t his syst em. Ef f or t s t o develop t he t r ansact ion
volume t o bank bjb’s pot ent ial cust omer s uses t he bjb TIP-
FX syst em cont inues t o be t he mainst ay pr oduct ser vice f or t he Tr easur y Division t o cont inuously yield r evenue gr owt h
on ser vices t o cust omer s.
20 15 Challenges and Strategy
Global economic condit ions as well as t he economic and polit ical sit uat ion in Indonesia t hr oughout 20 15 af f ect ed
t he Tr easur y business, but t he mar ket condit ion’s impact t hr oughout t he year cont inues t o be wit hin a manageable
cor r idor wher ein liquidit y and r et ur ns obt ained f r om int er - bank money mar ket act ivit ies cont inues t o be maint ained.
The Dollar’s exchange rate to the Rupiah amounted to USD IDR 13,785 in the inter-bank spot market in December 2015 driven
by the demand f or f oreign currency at the end of the year and f oreign investors’ readjustment of their portf olio due to
expectations of an interest rate hike by The Fed in 2015. Bank Indonesia and the Ministry of State-Owned Enterprises has
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
153
kor por asi BUMN unt uk melakukan t r ansaksi lindung nilai dalam mengelola nilai t ukar dan suku bunga sehingga Divisi
Tr easur y har us akt if memper luas f or ex dan der ivat ive line
dengan nasabah dan juga melakukan sosialisasi ke cabang devisa dan juga nasabah.
Sement ar a it u unt uk t r ansaksi valut a asing nasabah, Divisi Tr easur y memf asilit asinya dalam sist em
bjb TIP FX. Hal it u
dilakukan unt uk memenuhi kebut uhan pr icing bagi nasabah
secar a r eal time.
Kinerja di Bidang Treasury 20 15
1. Transaksi Money Market
Pengelolaan dan opt imalisasi ekses likuidit as melalui t r ansaksi pasar uang
money mar ket ser ta dar i aktivitas tr ading member ikan kontr ibusi pr of itabilitas cukup
t inggi. Dalam t iga t ahun t er akhir , yait u t ahun 20 13, 20 14 dan 20 15, pendapat an yang diper oleh melalui t r ansaksi
money mar ket sebesar Rp260 ,79 miliar , Rp373,87 miliar dan Rp841,63 miliar .
Akt ivit as money mar ket yang dilakukan, ant ar a lain
penempat an melalui inst r umen monet er Bank Indonesia, penempat an ant ar bank maupun opt imalisasi melalui
st r at egi tr ading. Pada tahun 20 14 bank bjb menjadi salah
sat u bank kont r ibut or JIBOR Jakar ta Inter bank Of f er ed
Rate yang ditunjuk Bank Indonesia hingga awal tahun 20 15 dalam member ikan kuot asi suku bunga penawar an
t r ansaksi pasar uang ant ar bank di Indonesia. Sejalan dengan pr ogr am Bank Indonesia dalam r angka
pendalaman t r ansaksi pasar uang, bank bjb juga akt if
dalam melakukan t r ansaksi r epo dan r ever se r epo
ant ar bank. Sejak dit andat anganinya per janjian Mini MRA oleh 8 delapan bank
pioneer ter masuk bank bjb
pada akhir t ahun 20 13, t er jadi peningkat an t r ansaksi r epo ant ar bank mengingat t r ansaksi r epo mer upakan
alt er nat if pendanaan yang f leksibel dengan suku bunga yang r elat if r endah. Volume t r ansaksi
tr ading ter besar dialami pada akhir t ahun 20 15 mencapai Rp6,58 t r iliun,
dengan diver sif ikasi inst r umen penempat an: a. Int erbank Call Money
b. Reverse Repo Bank Indonesia
c. Ser t if ikat Bank Indonesia Ser t if ikat Deposit o Bank Indonesia
d. Sur at Ber har ga
encouraged State-Owned corporations to carry out hedging transactions to manage f oreign currency and interest rate
thereby the Treasury Division must actively expand f orex and derivative line with customers and also increase awareness
to the f orex branch and also customers. Meanwhile, t he Tr easur y Division f acilit at es cust omer ’s
f or eign cur r ency t r ansact ions t hr ough t he bjb TIP FX
syst em. This is car r ied out t o f ulf ill cust omer ’s pr icing demands in r eal t ime.
Treasury Field Perf ormance in 20 15
1. Money Market Transactions
Managing and opt imizing excess liquidit y t hr ough money mar ket t r ansact ions as well as f r om t r ading act ivit ies
pr ovide subst ant ially high pr of it abilit y cont r ibut ion. In t he last t hr ee year s, specif ically in 20 13, 20 14 and 20 15,
r evenues der ived f r om money mar ket t r ansact ions amount s t o Rp260 .79 billion, Rp373.87 billion and
Rp841.63 billion r espect ively. Money mar ket act ivit ies t hat wer e car r ied out
included placement t hr ough Bank Indonesia monet ar y inst r ument s, placement in int er bank as well as opt imize
t hr ough t r ading st r at egy. In 20 14, bank bjb became one
of t he cont r ibut or s of JIBOR Jakar t a Int er bank Of f er ed Rat e t hat was appoint ed by Bank Indonesia wher eby
in ear ly 20 15 t o pr ovide int er bank money mar ket t r ansact ion quot at ion of f er s in Indonesia.
In line wit h Bank Indonesia’s pr ogr am wit hin t he cont ext of money mar ket t r ansact ions deepening, bank
bjb
was also act ive in car r ying out a r epo and r ever se r epo int er bank t r ansact ion. Since t he signing of t he Mini MRA
agr eement by 8 eight pioneer banks t hat includes bank
bjb at t he end of 20 13, int er bank r epo t r ansact ions
incr eased as r epo t r ansact ions is an alt er nat ive f unding t hat is f lexible wit h a r elat ively low int er est r at e. The
lar gest t r ading t r ansact ion volume was at t he end of 20 15 of Rp6.58 t r illion wit h diver sif ied placement inst r ument :
a. Int er bank Call Money b. Bank Indonesia Rever se Repo
c. Bank Indonesia Cer t if icat e Bank Indonesia Cer t if icat e of Deposit
d. Mar ket able Secur it ies
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
154
Dengan sumber dana yang ber asal dar i: a.
Bor r owing Inter bank Call Money b.
Bor r owing dalam bentuk Repo Sur at Ber har ga 2.
Transaksi Fixed Income
Pengelolaan likuidit as dan opt imalisasi pendapat an melalui inst r umen
f ixed income dilakukan dengan penempat an dana pada sur at ber har ga, baik obligasi
pemer int ah maupun obligasi kor por asi di pasar per dana dan pasar sekunder ser t a melakukan
t r ading jual beli sur at ber har ga. Tot al pendapat an yang diper oleh dar i
t r ansaksi sur at ber har ga sepanjang t ahun 20 15 mencapai Rp328,94 miliar at au 20 5,59 dar i t ar get t ahun 20 15.
3. Transaksi f oreign exchange
Sepanjang t ahun 20 15, Per ser oan t elah meningkat kan pemahaman ser t a akt ivit as pemasar an pr oduk t r easur y
khususnya t r ansaksi valut a asing bagi Kant or Cabang Devisa. Dengan dukungan aplikasi
bjb TIP-FX yang
menunjang pelaksanaan t r ansaksi t er sebut , volume t r ansaksi valut a asing t er hadap nasabah di bank
bjb
t er us meningkat . Selain it u, pada penghujung t ahun 20 15, Per ser oan t ur ut ber par t isipasi sebagai salah sat u dar i
25 bank yang dimint a oleh Bank Indonesia dalam pr oses penyusunan dr af t St andar disasi ISDA yang disesuaikan
dengan ket ent uan per bankan di Indonesia. Adapun t ot al volume t r ansaksi yang dilakukan melalui
inst r umen f or ex derivat ives selama t ahun 20 15 mencapai USD3,0 7 miliar dengan pendapat an sebesar
Rp33,52 miliar . Whose sour ce of f unds der ive f r om:
a. Bor r owing Int er bank Call Money b. Bor r owing in t he f or m of Repo Mar ket able Secur it ies
2. Fixed Income Transaction
Manage liquidit y and opt imize r evenues f r om f ixed income inst r ument s t hr ough placement of f unds in
mar ket able secur it ies, bot h in t er ms of gover nment and cor por at e bonds in t he pr imar y mar ket and secondar y
mar ket as well as car r y out t r ading selling of mar ket able secur it ies. Tot al r evenues der ive f r om mar ket able
secur it ies t r ansact ions t hr oughout 20 15 amount s t o Rp328.94 billion or 20 5.59 f r om t he t ar get in 20 15.
3. Foreign Exchange Transaction
Thr oughout 20 15, t he Bank enhanced it s under st anding as well as mar ket ing act ivit ies of t r easur y pr oduct s,
especially f or f or eign cur r ency t r ansact ions by For eign Exchange Br anches. Thr ough t he suppor t of t he
bjb
TIP-FX applicat ion t hat suppor t s t he implement at ion of t hese t r ansact ions, t he f or eign cur r ency t r ansact ion
volume t o cust omer s in bank bjb cont inues t o incr ease.
Mor eover , by t he end of 20 15, t he Bank also par t icipat ed as one of 25 banks t hat asked by Bank Indonesia in t he
pr ocess f or f or mulat ing t he dr af t ISDA St andar dizat ion t hat is adjust ed wit h banking pr ovisions in Indonesia.
The t ot al t r ansact ion volume t hat was car r ied out t hr ough f or ex der ivat ives inst r ument s in 20 15
amount s t o USD3.0 7 billion wit h r evenues of Rp33.52 billion.
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
155
Rencana dan Strategi 20 16
Pada t ahun 20 16 t er dapat ber bagai f akt or yang dapat mengger akkan pasar keuangan. Dar i dalam neger i, t ant angan
it u ant ar a lain ner aca per dagangan dalam neger i dan inf lasi. Sement ar a dar i pasar global, di kenaikan suku bunga acuan
Amer ika Ser ikat Fed Rat e yang t er jadi pada akhir t ahun 20 15 seir ing dengan t er us membaiknya per ekonomian
Amer ika Ser ikat . Selain it u, r encana Bank Sent r al Er opa ECB member ikan st imulus dalam r angka meningkat kan
per ekonomian Er opa dengan melakukan pembelian obligasi kur ang lebih sebesar USD1,3 t r iliun dar i per iode Mar et 20 15
hingga Sept ember 20 16. Menghadapi t ant angan pasar uang t er sebut , Per ser oan
senant iasa melakukan analisa dan mener apkan st r at egi agar sejalan dengan per kembangan pasar dengan t et ap menjaga
likuidit as bank dan opt imalisasi pendapat an melalui t r ansaksi t r easur y. Per ser oan akan t er us mengembangkan pr oduk dan
layanan unt uk mengakomodir kebut uhan nasabah dengan lebih baik.
Tak kalah pent ingnya, bank bjb akan meningkat kan pelayanan
dan pemasar an pr oduk t r easur y ant ar a lain dengan memper luas
customer based melalui kunjungan sales visit kepada nasabah eksist ing dan pot ensial ser t a mengusulkan
kepada unit t er kait unt uk memper oleh f or ex dan der ivatives
line. Per ser oan secar a konsist en akan melakukan sosialisasi mengenai t r ansaksi valut a asing dan
hedging instr uments kepada nasabah dan Kant or Cabang t er kait . Divisi Tr isur i
juga t er us mengembangkan f it ur -f it ur bar u pada sist em bjb
TIP-FX.
20 16 Plan and Strategy
In 20 16 t her e wer e a number of f act or s t hat can pot ent ially move t he f inancial mar ket s. Fr om wit hin t he count r y, t hese
challenges include domest ic balance of t r ade and inf lat ion. Meanwhile, f r om t he global mar ket s, t he int er est r at e Fed
r at e incr ease in t he Unit ed St at es t hat occur r ed at t he end of 20 15 is in line wit h t he US economy’s cont inuing r ecover y.
In addit ion t o t his, t he Eur opean Cent r al Bank’s ECB plan t o inject st imulus wit hin t he cont ext of impr oving Eur ope’s
economy by buying bonds amount ing t o appr oximat ely USD1.3 t r illion f r om t he per iod of Mar ch 20 15 up t o
Sept ember 20 16. To f ace t hese money mar ket challenges, t he Bank always
analyzes and apply a st r at egy t o cor r espond wit h mar ket development by maint aining t he bank’s liquidit y and
opt imize r evenues t hough t r easur y t r ansact ions. The Bank will cont inue t o develop pr oduct s and ser vices t o bet t er
accommodat e t he needs of cust omer s. Equally impor t ant , bank
bjb will enhance t r easur y mar ket
ser vices and mar ket ing by, among ot her s, expanding cust omer base t hr ough sales visit s t o exist ing and pot ent ial
cust omer s as well as pr oposing t o t he r elat ed unit t o obt ain f or ex and der ivat ives line. The Bank consist ent ly
will incr ease awar eness on f or eign cur r ency and hedging inst r ument s t r ansact ions and t he r elat ed Br anch. The
Tr easur y Division will also cont inue t o develop new f eat ur es t o t he
bjb TIP-FX syst em.
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
156
Divisi Inst it ut ional Banking melayani sejumlah pr oduk dan jasa unt uk kepent ingan inst it usi, t er ut ama bagi dunia usaha.
Hingga t ahun 20 15, layanan t er sebut adalah: 1.
bjb E-Tax
bjb E-Tax mer upakan layanan pener imaan pembayar an
pajak pemer int ah pusat , pajak daer ah pr ovinsi, dan pajak daer ah kot a kabupat en melalui bank
bjb via deliver y
channels yang dimiliki bank bjb seper ti Teller , ATM
dan Inter net Banking. Mata pajak yang bisa dilakukan
pembayar an via bank bjb sebagai ber ikut :
a. Pajak Penghasilan PPh b. Pajak Per t ambahan Nilai PPN PPNBM
c. Bea Mat er ai,
Cukai d. Pajak Kendar aan Ber mot or PKB dan Bea Balik Nama
Kendar aan Ber mot or BBNKB e. Pajak Bahan Bakar Kendar aan Ber mot or , Pajak Air
Per mukaan, Pajak Rokok f . Pajak Bumi dan Bangunan sekt or Pedesaan
Per kot aan PBB-P2 g. Bea Per olehan Hak Tanah Bangunan BPHTB
h. Pajak Par kir , Pajak Hot el, Pajak Rest or an, Pajak Hibur an, Pajak Miner al bukan Logam dan Bat uan,
Pajak Sar ang Bur ung Walet , Pajak Air Tanah, Pajak Reklame, Pajak Pener angan Jalan Umum.
2. bjb
E-Samsat
Mer upakan pener imaan pembayar an Pajak Kendar aan Ber mot or t ahunan wilayah Jawa Bar at melalui ATM bank
bjb.
3. bjb Retribusi Perizinan
Mer upakan pener imaan pembayar an Izin Mendir ikan Bangunan IMB, Izin Tr ayek dan Izin Gangguan HO.
The Inst it ut ional Banking Division pr ovides var ious pr oduct s and ser vices f or inst it ut ions, par t icular ly f or businesses. As
of 20 15, t hese ser vices include: 1.
bjb E-Tax
bjb E-Tax is a payment accept ance ser vice f or cent r al
gover nment t axes, r egional gover nment t axes, and municipal t axes t hr ough bank
bjb’s deliver y channels
such as Teller s, ATM and Int er net Banking. Tax payment s t hat can be accept ed by bank
bjb ar e as f ollows:
a. Income Tax
b. Value Added Tax PPNBM c. St amp Dut y, Excise
d. Mot or Vehicle Tax and Owner ship Change Mot or Vehicle Tax BBNKB
e. Mot or Vehicle Fuel Tax, Sur f ace Wat er Tax, Cigar et t e Tax
f . Rur al Ur ban Pr oper t y Taxes g. Tax on Acquisit ion of Land Building
h. Par king Tax, Hot el Tax, Rest aur ant Tax, Ent er t ainment Tax, Non-Met al and Gem Miner al Tax, Bir ds Nest Tax,
Under gr ound Wat er Tax, Adver t isement Tax, Road Light ing Tax.
2. bjb
E-Samsat
A payment accept ance f or annual mot or vehicle t ax f r om t he West Java r egion t hr ough bank
bjb’s ATM.
3. bjb Levies on Licenses
A payment accept ance f or Building Per mit s, Rout e Per mit s and Nuisance Per mit s.
Inst it ut ional Banking
Inst it ut io nal Banking
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
St ock Obligat ion Highlight s Management Discussion Analysis
Good Cor por at e Gover nance Cor por at e Social Responsibilit y
Consolidat ed Financial St at ement s Cor por at e Dat a
157
Tantangan dan Strategi
Tant angan yang dihadapi Divisi Inst it ut ional Banking pada t ahun 20 15 adalah semakin meningkat nya per saingan
ant ar bank dalam meningkat kan layanan per bankan kar ena per kembangan t eknologi yang begit u cepat . Dengan begit u,
pengembangan dar i sisi t eknologi dan layanan per bankan di bank
bjb menjadi salah sat u kunci dalam per kembangan
bisnis Divisi Inst it ut ional Banking. Divisi Inst it ut ional Banking dalam r angka meningkat kan
layanan kepada nasabah inst it usi melakukan st r at egi human-
t o-human dalam ker ja sama dengan nasabah inst it usi dan beker ja sama secar a siner gis dengan Divisi Teknologi
Inf or masi dalam pengembangan layanan per bankan sesuai kebut uhan nasabah inst it usi. Hal it u dilakukan demi
t er penuhinya per mint aan nasabah inst it usi, menjaga dan meningkat kan
br and image ser t a Dana Pihak Ket iga bank
bjb.
Ker ja sama juga dilakukan dalam r angka memper kuat br and
Per ser oan ser t a peningkat an Dana Pihak Ket iga. Beber apa inst it usi ut ama yang melakukan ker ja sama dengan bank
bjb
pada t ahun 20 15 yait u:
Challenges and Strategy
A challenge f aced by t he Inst it ut ional Banking Division in 20 15 is t he int ensif ied compet it ion among banks t o impr ove
banking ser vices due t o t he r apid development of t echnology. Ther ef or e, t he development of bank bjb’s t echnology and
banking ser vices ser ves as t he key t o success f or t he bank
bjb’s Inst it ut ional Banking Division.
To impr ove ser vices f or it s inst it ut ional cust omer s, t he Inst it ut ional Banking Division employs a human-t o-human
st r at egy in cooper at ion wit h inst it ut ional client s and cooper at es, in syner gist ic t er ms, wit h t he Inf or mat ion
Technology Division t o develop banking ser vices in accor dance wit h t he needs of inst it ut ional client s. This is
car r ied out t o f ulf ill inst it ut ional client demands, maint ain and enhance br and image as well as bank
bjb’s Thir d Par t y
Funds. Cooper at ion was also car r ied out t o st r engt hen t he Bank’s
br and as well as incr ease Thir d Par t y Funds. A number of major inst it ut ions t hat cooper at ed wit h bank
bjb in 20 15 ar e:
Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
bank bjb
Lapor an Tahunan 20 15
Annual Repor t
158
No Institusi
Tentang Description
1 Univer sit as Padjadjar an
Ker ja sama Penggunaan Pr oduk dan layanan per bankan dalam mendukung t r i dhar ma per gur uan t inggi
Cooper at ion Use of pr oduct s and banking ser vices in suppor t t r i dhar ma college
2 KPP Madya Bandung
Layanan pembayar an gaji t unjangan insent if kar yawan
payr oll ser vice
dan belanja anggar an Ser vice payment of salar ies allowances incent ives of
employees payr oll ser vices and expendit ur e budget 3
BPN Pr ovinsi Jawa Bar at Penggunaan pr oduk, jasa dan layanan per bankan
The use of pr oduct s, ser vices and banking ser vices 4
BPJS Ket enagaker jaan Pener imaan iur an, pembayar an jaminan peser t a BPJS
ket enagaker jaan, dan pembayar an BUBM melalui layanan jasa per bankan
Accept ance of cont r ibut ions, par t icipant s BPJS employment secur it y payment s, and t he payment of
f uel t hr ough banking ser vices 5
PT Cit ilink Indonesia Pener imaan pembayar an t iket pesawat Cit ilink melalui
deliver y channel
Cit ilink f light t icket payment accept ance t hr ough deliver y channels
6 Univer sit as Sr iwijaya
Penggunaan pr oduk, jasa dan layanan per bankan The use of pr oduct s, ser vices and banking ser vices
7 BPPT Kot a Bandung dan
Kot a Bogor Pembayar an r et r ibusi per izinan
Payment of licensing levy 8
BPN Kot a Tanger ang Penggunaan pr oduk, jasa dan layanan per bankan
The use of pr oduct s, ser vices and banking ser vices 9
Kement er ian Keuangan Per panjangan ker ja sama layanan MPN-G2
Ext ension ser vice cooper at ion MPN-G2
Kinerja Institutional Banking 20 15
Pada t ahun 20 15 per kembangan Divisi Inst it ut ional Banking dar i Dana Pihak Ket iga mengalami peningkat an sebesar
Rp6,24 t r iliun, menjadi Rp41,71 t r iliun. Sement ar a pada t ahun 20 14 ber jumlah Rp35,47 t r iliun.
31 Desember | December 31
20 15
¨
31 Desember 20 15 terhadap 30 Desember 20 15 |
December 31, 20 15 t o December 30 , 20 15
31 Desember | December 31
20 14 Produk
Product Nasabah
Customer NOA
NOMINAL Rp
NOA NOMINAL
Rp NOA
NOMINAL Rp
GIRO Pemer int ah Daer ah
Local Gover nment 10 .882
10 .736.273 1.352
4.70 6.80 4 9.530
15.443.0 77 Pemer int ah Pusat
Cent r al Gover nment 250
2.597 15
1.338 235
3.935 BUMN |
SoE 821
323.242 33
5.363 788
317.879 SWASTA |
Pr ivat e 69.933
7.0 85.677 5.577
1.722.20 7 64.356
5.363.470 SUB TOTAL
81.886 18.147.789
6.977 2.980 .572
74.90 9 21.128.361
DEPOSITO Pemer int ah Daer ah
Local Gover nment 315
6.630 .20 9 40
3.723.685 275
2.90 6.524 Pemer int ah Pusat
Cent r al Gover nment 5
351 2
50 .0 0 0 7
50 .351 BUMN |
SOe 858
5.847.311 14
1.477.921 844
4.369.390 SWASTA |
Pr ivat e 2.934
11.0 85.316 142
4.0 68.365 3.0 76
7.0 16.951 SUB TOTAL
4.112 23.563.187
90 9.219.971