Provide bjb precious member facility to Regional Heads

Laporan Tahunan 2016 206 Semakin Berkembang Bersama peluang Baru yang Membentang • Bulan Reksa Dana Karyawan • Customer Rewards Program 2. Customer Gathering produk Wealth Management. 3. Mendukung kegiatan yang dilaksanakan baik oleh Asosiasi maupun Otoritas. 4. Menyusun laporan pencapaian produk Wealth Management dan Fee Based Income secara berkala. 5. Penambahan kerjasamapenambahan produk Wealth Management. 6. Pengembangan program aplikasi Wealth Management. 7. Melakukan review terhadap ketentuan internal dan SOP produk Wealth Management. 8. Sosialisasi terkait peraturan dan ketentuan yang berlaku. 9. Mendukung penyelenggaraan ujian dan perizinan sertifikasi bidang Wealth Management sertifikasi WAPERDCWMA AAJI. 10. Mengikutsertakan trainingworkshopseminar dalam peningkatan softskill maupun technical skill bagi staf Wealth Management baik dilakukan secara inhousepublic di dalam dan luar negeri. INTERNASIONAL DAN TRISURI Internasional Divisi Internasional mengelola berbagai layanan produk perbankan terkait transaksi perdagangan internasional dan perdagangan lokal serta remitansi. Selain itu kami mengembangkan kerjasama strategik dengan Lembaga Keuangan Bank maupun Lembaga Keuangan Non Bank melalui optimalisasi credit line dengan melakukan transaksi antar bank yang memiliki underlyingtrade finance untuk meningkatkan fee based dan interest income untuk mendukung tercapainya laba perusahaan. Kinerja di Bidang Internasional Tahun 2016 Pada tahun 2016 Divisi Internasionaltelah berhasil memperoleh pendapatan sebesar Rp17,98 miliar dari transaksi trade finance kepada nasabah, transaksi antar bank dan remitansi atau naik sekitar 67.96 dari perolehan tahun 2015 dengan kontribusi terbesar diperoleh dari transaksi antar bank yang berhasil mencatatkan pencapaian melebihi target yang ditetapkan yaitu sebesar 179,80 atau Rp14,38 miliar dari target yang ditetapkan sebesar Rp8 miliar. Pencapaian tersebut diperoleh dari transaksi Guarantee under Counter Guarantee dan Counterparty Bank Trade Financing. TransaksiGuarantee under Counter Guarantee selama tahun 2016 ini mengalami penurunan. Total garansi bank yang telah diterbitkan berdasarkan counter guarantee counterparty bank adalah sebesar Rp78,69miliar dengan fee based sebesar TINJAUAN OPERASIONAL oPeRaTional RevieW • Employee Mutual Fund Month • Customer Rewards Program 2. Customer Gathering of Wealth Management products. 3. Support activities held by Association and Authorities. 4. Compile Wealth Management and Fee Based product achievement report periodically. 5. Increase cooperationWealth Management products 6. Development of Wealth Management application program 7. Conduct a review towards internal terms and SOP of Wealth Management products. 8. Promote related applicable terms and regulations. 9. Support the execution of exam and licensing of certification within Wealth Management WAPERDCWMAAAJI certification 10. Engage Wealth Management staff in trainingsworkshops seminars both from national and international in-house public organizers to improve their soft and technical skills. INTERNATIONAL AND TREASURY International International division manages a variety of banking product services related to international trade and local trade transaction, including remittance service. In addition to the above, bank bjb also develop strategic cooperation with Financial Banking and Non-Banking Institutions through optimized credit line by conducting interbank transactions which has underlying trade finance to increase fee based and interest income to support the achievement of corporate profits. 2016: Performance in the International Sector In 2016, bank bjb international division through its finance trade, interbank and remittance transactions has succeeded to achieve income of IDR17,98 billion, or an increase of 67.96 from the 2015 earnings, with most contribution came from interbank transactions, which managed to surpassed the set target of 179.80 or IDR14,38 billion from the set target which was IDR8 billion. This achievement was obtained from Guarantee under Counter Guarantee transactions and Counterparty Bank Trade Financing. Throughout 2016, Guarantee under Counter Guarantee transactions suffered a decrease. Total bank guarantee issued based on counter guarantee counterparty bank is IDR78,69 billion with fee based of IDR 856,25 millions, a decrease of annual report 2016 207 Growing Together with new expanding opportunities Rp856,25 juta turun 49,25 dari tahun 2015. Namun demikian penurunan tersebut diimbangi oleh pendapatan yang diperoleh dari transaksi counterparty bank trade financing kepada counterparty bank yang meningkat sekitar 177,96 dari tahun 2015 yaitu sebesar Rp13,53 miliar dan mencatatkan volume sebesar Rp694,1 miliar. Selain produk antar Bank yang gencar didorong ekpansinya, produk trade finance kepada nasabah terus didorong dengan melakukan perluasan pangsa pasar ke segmen small and medium enterprise. Fee based dan Interest Income dari transaksi nasabah ini mengalami peningkatan sebesar 59.54 dibandingkan dengan tahun 2015 dengan pendapatan sebesar Rp1,83 miliar. Feebased yang diperoleh dari bisnis remitansi tahun 2016 mengalami penurunan yang cukup signifikan dibandingkan tahun 2015, yaitu sekitar 41,28 atau hanya berhasil membukukan pendapatan di tahun 2016 sebesar Rp1,76 miliar. Pengembangan Produk dan Layanan Pengembangan Produk dan Layanan terus dilakukan selama tahun 2016, untuk menghadapi semakin ketatnya tantangan dan persaingan produk yang menawarkan transaksi trade finance dan remitansi, bank bjb terus berusaha meningkatkan pelayanan dan melakukan pengembangan produk yang mampu memenuhi ekspektasi nasabah maupun counterparty, antara lain sebagai berikut. 1. Meningkatkan kualitas pelayanan kepada counterparty dan pengembangan produk Guarantee under counter guarantee serta counterparty bank trade financing . 2. Penerapan sistem manajemen mutu sesuai dengan ISO 9001:2008 telah diimplementasikan dalam rangka meningkatkan kualitas pelayanan transaksi ekspor-impor sesuai dengan kebijakan mutu yang telah ditetapkan. Proses audit sertifikasi ISO 9001:2008 telah dilaksanakan telah dinyatakan lulus audit sertifikasi. Sertifikat ISO 9001:2008 telah diterima pada bulan April 2016 Certificate ID1603590.

3. Launching Aplikasi bjb quickcash dengan solusi Host to Host

dan Web Portal untuk lebih mengoptimalkan transaksi remitansi antara bank bjb dengan remitting agent berjalan secara cepat dan real time . Keunggulan Layanan 1. Penanganan transaksi trade finance and services yang tersentralisasi bersertifikasi ISO 9001:2008, didukung oleh SDM yang profesional dan memiliki sertifikasi CDCS serta sistem Trade Innovation Plus untuk memberikan TINJAUAN OPERASIONAL oPeRaTional RevieW 49.25 from 2015. However, the decrease was offset by income obtained from counterparty bank trade financing transactions to counterparty banks which increased approximately 177.96 in 2015 i.e. IDR 13.53 billion and recorded a volume of IDR 694.1 billion. In addition to the aggressively promoted-expansion inter-bank products, trade finance products were continuously promoted to bjb customers by conducting market expansion to small and medium enterprise segmentation. Fee based and interest income from customer transactions experienced an increase of 59.54 compared to that of income in 2015, an income of IDR1.83 billion. Fee based income obtained from remittance business in 2016 suffered quite a significant decrease compared to that of income in 2015, approximately 41.28 or only managed to generate income of IDR1,76 billion in 2016. Product and Service Development Bank bjb continuously conducted Product and Service Development throughout 2016, in order to face the increasingly intense product challenge and competition which offered trade finance and remittance transactions; bank bjb also continuously made efforts to improve service and conduct product development that meet customers’ or counterparty’s expectation, among them are as follow. 1. Improve service quality to counterparties, develop Guarantee under counter guarantee products and counterparty bank trade financing. 2. Quality management system in accordance with ISO9001:2008 has been implemented to improve service quality for export-import transactions in accordance with the stipulated quality policy. ISO9001:2008 Audit certification process was conducted and declared passed. ISO Certificate 9001:2008 was received in April 2016 Certificate ID1603590.

3. The launching of bjb quick cash application with Host

to Host and Web Portal solution that aims to optimize remittance transaction between bank bjb and remitting agent was swift and currently runs in real time. Service Excellence 1. The management of centralized trade finance and service transactions with ISO 9001:2008 certified, was supported by professionals and certified CDCS HR, and Trade Laporan Tahunan 2016 208 Semakin Berkembang Bersama peluang Baru yang Membentang kenyamanan, ketepatan dan kecepatan penanganan dokumen trade finance. 2. Tersedianya berbagai macam produk trade finance dengan structure trade yang fleksible disesuaikan dengan kebutuhan nasabah tailor made disertai tarif yang kompetitif. 3. Transaksi kiriman uang dalam valuta asing dengan berbagai currency ke berbagai negara didukung oleh jaringan bank koresponden yang tersebar diseluruh dunia. 4. Optimalisasi kerjasama dengan perusahaan jasa kiriman uang untuk memudahkan para tenaga kerja Indonesia di luar negeri mengirimkan uang ke berbagai daerah di Indonesia dimana jaringan bank bjb berada. 5. Pengembangan aplikasi remitansi berbasis aplikasi mobile. Rencana dan Strategi tahun 2017 Sejalan dengan arah kebijakan manajemen bank bjb untuk tahun 2017 diantaranya yaitu mendorong pertumbuhan Fee Based Income dan penguatan struktur organisasi dengan dukungan SDM yang maka Divisi Internasional akan meningkatkan aliansi strategis dengan Cabang, Wilayah dan divisi terkait untuk mendukung pelaksanaan arah kebijakan bank tersebut. Yang pada akhirnya akan berdampak pada peningkatan fee based dan interest income melalui produk-produk trade finance and services guna menunjang pencapaian laba perusahaan, serta secara berkesinambungan melakukan peningkatan kompetensi SDM di seluruh jaringan kantor bank bjb terkait produk kelolaan Divisi Internasional melalui pelatihan yang diselenggarakan secara internal maupun eksternal berkoordinasi dengan Divisi terkait. Fokus utama peningkatan fee based income dan interest income Transaksi Divisi Internasional Tahun 2017 adalah: Trade Finance 1. Melakukan penetrasi pasar melalui pemasaran secara agresif diwilayah-wilayah yang berpotensi untuk transaksi trade. 2. Secara kontinyu aktif dalam memberikan advisory mengenai solusi produk trade kepada nasabah potensial. 3. Mempertahankan sertifikasi ISO 9001:2008 secara berkelanjutan untuk peningkatan kualitas layanan melalui penerapan sistem manajemen mutu sesuai dengan ISO 9001:2008, memastikan akurasi pekerjaan, meningkatkan kompetensi SDM yang kompeten dan professional sehingga dapat memberikan solusi yang terbaik dan menciptakan trust bagi nasabah 4. Melaksanakan Customer Gathering dengan nasabah dalam rangka menciptakan loyalitas dan diversifikasi transaksi trade. TINJAUAN OPERASIONAL oPeRaTional RevieW Innovation Plus system to provide comfort, accuracy, and speed in handling trade finance documents. 2. Availability of various trade finance products with flexible trade structure tailored to customers’ need were accompanied with competitive fare. 3. Remittance transactions in various currencies to various countries is supported with network of correspondent banks all over the world. 4. Optimized collaboration with remittance service companies aims to simplify Indonesian migrant workers abroad to transfer their money to various regions in Indonesia where bank bjb networks exist. 5. Remittance application development is based on mobile application.

2017: Plan and Strategy In accordance with bank bjb management policy for 2017,

eg.to encourage Fee Based Income growth and to strengthen the organization structure with the support of professional HR, the International Division shall improve strategic alliance with related Branch, Districts and Division offices to support the implementation of Bank’s policy. The above actions shall have an impact on the increase of fee based and interest income through trade finance and service products, that aim to support the achievement of company’s profit and a sustainable efforts to improve HR competence across bank bjb office network, related to International Product Division management by means of trainings, held both internally and externally through coordination with related Divisions. Several main focus of International Transaction Division’s increased fee based and interest income in 2017 are: Trade Finance 1. Conduct market penetration by way of aggressive marketing within regions of potential trade transactions. 2. Continuously active in providing advisory, concerning trade product solution to potential customers. 3. Continuously maintain ISO 9001:2008 certification to improve service quality through implementation of quality management system, in accordance with ISO 9001:2008, to ensure work accuracy, improve HR competence to be more competent and professional, so bjb resources can provide the best solution and create customer trust. 4. Execute Customer gathering to create customer loyalty and trade transaction diversification.