To perform on-the-spot training periodically to bank bjb
annual report 2016
213
Growing Together with new expanding opportunities
pada surat berharga, baik obligasi pemerintah maupun obligasi korporasi di pasar perdana dan pasar sekunder serta melakukan
tradingjual beli surat berharga. Total pendapatan yang diperoleh dari transaksi surat berharga sepanjang tahun 2015 mencapai
Rp328,94 miliar atau 205,59 dari target tahun 2015.
Sepanjang tahun 2016 kentungan yang dibukukan pada akhir tahun dari transaksi Fixed Income Trading mencapai 245,88
dari target tahun 2016. Adapun pencapaian tersebut diperoleh dari aktivitas pembelian dan penjualan surat berharga untuk
portofolio diperdagangkan, termasuk reksadana. Kondisi pasar surat berharga pada tahun 2016 cenderung positif dimana suku
bunga acuan BI rateBI 7 days reverse repo rate sepanjang tahun 2016 turun hingga 150 bps, sehingga yield yang diperdagangkan
di pasar ikut turun dan harga untuk surat berharga pun meningkat. Koreksi terjadi menjelang akhir tahun setelah
kemenangan Donald Trump atas pemilihan presiden Amerika Serikat. Investor cenderung mewaspadai kebijakan Trump yang
dikhawatirkan dapat berpengaruh terhadap Emerging Market, termasuk Indonesia.
rekapitulasi Obligasi Portofolio Trading 31 Desember 2016 Table of bond recapitulation of Trading Portfolio December 31, 2016
reksadana 677.030.667.836,00
Mutual Fund Sun
335.000.000.000,00 Sun
orI 0,00
orI Corp
100.000.000.000,00 Corp
Sr 0,00
Sr uSD
4.000.000,00 uSD
1.112.034.667.836,00
rekapitulasi Obligasi Portofolio Trading 31 Desember 2015 Table of bond recapitulation of Trading Portfolio December 31, 2015
reksadana 712,000,000,000.00
Mutual Fund Sun
348,000,000,000.00 Sun
orI 10,275,000,000.00
orI Corp
30,000,000,000.00 Corp
Sr 0.00
Sr 1,100,275,000,000.00
rekapitulasi Obligasi Portofolio Trading 31 Desember 2014 Table of bond recapitulation of Trading Portfolio December 31, 2014
reksadana 717,000,000,000.00
Mutual Fund Sun
0.00 Sun
orI 7,485,000,000.00
orI Corp
0.00 Corp
Sr 0.00
Sr 724,485,000,000.00
TINJAUAN OPERASIONAL
oPeRaTional RevieW
securities, both government bond and corporate bond at primary market and secondary market as well as tradingbuy
and sell marketable securities. The total revenue obtained from transactions of marketable securities throughout 2015 reached
Rp328.94 billion or 205.59 from 2015 target.
Throughout 2016, the profit that was recorded at year end from Fixed Income Trading transaction reached 245.88 from
2016 target. The achievement was obtained from buying and selling activities of marketable securities for trading portfolio,
including mutual funds. The condition of security market in 2016 tend to be positive where interest rate reference BI rate
BI 7 days reverse repo rate throughout 2016 dropped until 150 bps, therefore, the yield traded in the market also dropped and
security price increased. Correction occurred at year end after the victory of Donald Trump as the President of the United
States. Investors tend to watch out for Trump’s policies as they are concern of the impact to the Emerging Market, including
Indonesia.
Laporan Tahunan 2016
214
Semakin Berkembang Bersama peluang Baru yang Membentang
Transaksi Foreign Exchange dan Derivatif Selama tahun 2014, selain tetap melayani kebutuhan
nasabah akan valuta asing, Divisi Trisuri juga berperan aktif dalam program pendalaman pasar valuta asing dalam negeri
sebagaimana yang diharapkan oleh Bank Indonesia dengan aktif melakukan transaksi dipasar valas antar bank dan memberikan
kontribusi harga US Dollar terhadap Rupiah padaThomson Reuters dan Bloomberg. Selama Tahun 2014, volume transaksi
forex dan derivatives yang dikelola Divisi Trisuri mencapai USD 3,04 miliar dengan pendapatan sebesar Rp24,44 miliar.
Sepanjang tahun 2015 Divisi Trisuri terus berupaya dalam meningkatkan pemahaman serta aktivitas pemasaran produk
Treasury khususnya transaksi valuta asing bagi Kantor Cabang Devisa, dan didukung dengan sistem aplikasi bjb TIP-FX yang
menunjang pelaksanaan transaksi tersebut, volume transaksi valuta asing terhadap nasabah di bank bjb terus meningkat. Selain
itu pada penghujung tahun 2015, Divisi Trisuri bank bjb turut berpartisipasi sebagai salah satu dari 25 bank yang diminta oleh
Bank Indonesia dalam proses penyusunan draft Standarisasi ISDA yang disesuaikan dengan ketentuan perbankan di Indonesia.
Adapun total volume transaksi yang dilakukan melalui instrumen forex dan derivatives selama tahun 2015 mencapai USD 3,07 miliar
dengan pendapatan sebesar Rp33,52 miliar. Kondisi market yang kurang mendukung di tahun 2016
menyebabkan terjadi penurunan profit yang didapat dari aktivitas transaksi foreign exchange, dengan pembukuan akhir
tahun untuk portofolio banking sebesar Rp13,86 miliar dan portofolio trading sebesar Rp3,41 miliar.
Volume Transaksi Forex dan Derivatives 2014-2016 | Transaction volume of forex dan derivatives
dalam Us Dollar | in Us Dollar
Portofolio | Portfolio
2016 2015
2014
Sales 461,554,775
220,289,246 291,755,829
Trading 1,493,884,527
731,707,898 887,451,203
Banking 1,835,904,041
2,090,912,877 1,553,432,407
Total 3,791,343,343
3,042,910,021 2,732,639,439
Kinerja Penjualan ORI bank bjb Bank bjb telah ikut serta dalam kegiatan agen penjual Obligasi
Ritel Indonesia ORI selama 2 dua tahun berturut-turut yaitu untuk ORI009 dan ORI010 di tahun 2012-2013. Namun seiring
dengan rencana penerbitan surat berharga, pada tahun 2014 hingga 2016 Divisi Trisuri tidak menyertakan rencana menjadi
agen penjual ORI pada Rencana Bisnis Bank.
Pengembangan Bisnis Langkah pengembangan bisnis Divisi Trisuri terdapat pada
milestone Divisi Trisuri, dimana lingkupnya meliputi: 1. Produk Baru
Penerbitan MTN II Bank bjb Tahun 2017
TINJAUAN OPERASIONAL
oPeRaTional RevieW
foreign exchange and Derivative Transactions Throughout 2014, aside from keep servicing customer’s needs
on foreign currency, Treasury Division also actively participated in immersion program in the domestic foreign exchange market
as expected by Bank Indonesia by actively making transactions at interbank foreign exchange market and giving contribution
of US Dollar price against Rupiah on Thomson Reuters and Bloomberg. Throughout 2014, foreign exchange dan derivative
transaction volume managed by Treasury Division reached USD3.04 billion with revenue of Rp24.44 billion.
Throughout 2015, Treasury Division keep making effort in increasing understanding and marketing of Treasury products
particularly foreign exchange transactions for Foreign Exchange Branch office, and supported by bjb TIP-FX application system
that helps the implementation of the transaction, foreign exchange transaction volume towards customer in bank bjb
keep increasing. Furthermore, at the end of 2015, bank bjb Treasury Division also participated as one of 25 banks requested
by Bank Indonesia in the process of draft preparation of ISDA Standardization that was adjusted to the banking regulations in
Indonesia. The total transaction volume made through foreign exchange dan derivative instrument throughout 2015 reached
USD3.07 billion with revenue of Rp33.52 billion. The less supporting market condition in 2016 resulted in profit
decrease from foreign exchange transaction activities, with end-of-year record for portfolio of Rp13.86 billion, and trading
portfolio of Rp3.41 billion.
bank bjb Ori sales Performance Bank bjb has participated in sales agent activity of Indonesian
Retail Bond ORI for 2 two years in a row, which were for ORI009 and ORI010 in 2012-2013. However, along with the
plan of security issuance, in 2014 to 2016, Treasury Division did not include the plan to become ORI sales agent in the Bank
Business Plan.
business Development Steps of business development of Treasury Division are included
in the milestone of Treasury Division, in which the scope is: 1. New Product
Issuance of bank bjb MTN II of 2017
annual report 2016
215
Growing Together with new expanding opportunities
Penerbitan Negotiable Certificate Deposit NCD bank bjb tahun 2017
2. Sumber Daya Manusia Merekrut tenaga Dealer Derivative
3. Aktivitas Baru Implementasi produk Custodian Bank
4. Infrastruktur Pengembangan Forex Online Trading System Treasury
Interactive Pricing
2016 2015
2014
pengembangan Bisnis • pengembangan produk dan jasa Treasury
• optimalisasi aktivitas pemasaran produk dan jasa Treasury
• penguatan Infrastruktur sistem dan transaksi Business Development
• product Development and Treasury services • optimizing the activities of product marketing
and Treasury services • Strengthening the Infrastructure of system and
transaction Stabilitas Bisnis
• optimalisasi return • Merumuskan dan menyusun action plan untuk
menghindari fase maturity termasuk monitoring perkembangan produk dan aktivitas kompetitor
• Melakukan pengembangan produk Business Stability
• optimizing return • Formulating and preparing action plan to avoid
maturity phase including monitoring on product development and competitor’s activity
• Conducting product Development evaluasi Bisnis
• evaluasi seluruh transaksi Treasury • Identifikasi permasalahan yang terjadi
• Mencari alternatif pemecahan masalah Business evaluation
• evaluation of all Treasury transactions • Identification of the current problem
• Looking for alternatives of problem solving
Faktor Pendukung dan Penghambat Kondisi perekonomian global serta situasi ekonomi dan politik
di Indonesia sepanjang 2015 cukup bepengaruh terhadap bisnis Treasury, namun demikian dampak dari kondisi pasar sepanjang
tahun masih dalam koridor yang terjaga sehingga likuiditas dan imbal hasil yang didapat pada aktivitas transaksi pasar uang
antar bank tetap terjaga.
Nilai tukar Dollar terhadap Rupiah mencapai USDIDR 13.475,2 di pasar spot antar bank di bulan Desember 2016 dikarenakan
pengaruh terpilihnya Donald Trump sebagai Presiden Amerika Serikat sehingga investor cenderung mewaspadai kebijakan
yang akan diambil oleh Donald Trump dalam strategi ekonomi AS. Hal ini akan mempengaruhi negara-negara emerging market
termasuk Negara Indonesia. Namun kondisi kurs Rupiah tetap stabil pada level 13.250–13.400 karena Bank Indonesia
berperan aktif dalam menjaga stabilitas Rupiah.
Sebagai factor pendukung atas aktivitas treasury dalammemenuhi kebutuhan transaksi valuta asing nasabah,
Divisi Trisuri memfasilitasinya dalam sistem bjb TIP FX yang telah dilakukan pengkinian fitur-fitur baru untuk memudahkan
operasional transaksi.
ProdukJasa Andalan Instrumen transaksi Money Market memberikan kontribusi
yang cukup besar bagi Divisi Trisuri, yaitu melalui penempatan antar bank, Reverse Repo dan penempatan SBISDBI Selain itu
Divisi Trisuri memiliki produk jasa layanan transaksi forex bagi
TINJAUAN OPERASIONAL
oPeRaTional RevieW
Issuance of Negotiable Certificate Deposit NCD bank bjb Year 2017
2. Human Resources Talent recruitment for Derivate Dealers
3. New Activities Implementation of Custodian Bank Products
4. Infrastructure Development of Forex Online Trading System Treasury
Interactive Pricing
supporting and inhibiting factors Throughout 2015, the global economic conditions as well as
economic and political situations in Indonesia have affected Treasury business, however, the impact of market conditions
throughout the year was still considered within a controlled corridor so that liquidity and yields obtained from the interbank
money market transactions were still under control.
The USD exchange rate against Rupiah reached USDIDR 13,475.2 on interbank spot market as of December 2016; the US election
result where Donald Trump was elected as President of the United States has affected the rate, thus investors tended to be wary
of policies to be taken by Trump within US economy strategy. The above development will also affect major emerging markets,
including that of Indonesian. However, Rupiah exchange rate has remained stable at IDR13,250-13,400 as the result of Bank
Indonesia active role in maintaining Rupiah stability.
As one supporting factor within treasury activities in meeting customer needs of foreign exchange transactions, the Treasury
Division facilitates the updating new features within bank bjb TIP FX system that serves to facilitate operational transactions.
leading Productsservices Instruments of Money Market Transactions contribute significantly
to Treasury Division with the use of interbank, Reverse Repo and SBI SDBI allocations. In addition to the said instruments, Treasury
Division also provides foreign exchange transaction service to its
Laporan Tahunan 2016
216
Semakin Berkembang Bersama peluang Baru yang Membentang
nasabah,yaitu melalui sistem Treasury Interactive Pricing bjb TIP- FX, dengan pricing nilai tukar yang sangat bersaing bagi nasabah
bank bjb menjadi selling point atas besarnya volume transaksi valuta asing melalui sistem tersebut. Upaya pengembangan
volume transaksi kepada nasabah-nasabah potesional bank bjb menggunakan sistem bjb TIP-FX masih menjadi produkjasa
andalan bagi Divisi Trisuri dalam terus melakukan pertumbuhan revenue atas imbal hasil pelayanan kepada nasabah.
Rencana Strategi Bisnis tahun 2017 Tahun 2017 mendatang, terdapat berbagai faktor yang dapat
menggerakkan pasar keuangan antara lain dari pasar domestik perlu dicermati perkembangan neraca perdagangan dan tingkat
inflasi, sementara itu tantangan utama dari pasar global antara lain kenaikan suku bunga Fed Rate yang terjadi pada akhir
tahun 2016 seiring dengan terus membaiknya perekonomian Amerika Serikat serta rencana Bank Sentral Eropa ECB
untuk memberikan stimulus dalam rangka meningkatkan perekonomian Eropa dengan melakukan pembelian obligasi
kurang lebih sebesar USD 1,3 triliun sejak periode Maret 2015 hingga September 2016.
Menghadapi tantangan pasar keuangan tersebut, Divisi Trisuri senantiasa melakukan analisa dan menerapkan strategi agar sejalan
dengan perkembangan pasar dengan tetap menjaga likuiditas bank dan optimalisasi pendapatan melalui transaksi treasury. Divisi
Trisuri akan terus mengembangkan produk dan layanan untuk mengakomodir kebutuhan nasabah dengan lebih baik.
Bank bjb akan meningkatkan pelayanan dan pemasaran produk treasury antara lain dengan memperluas customer based melalui
kunjungan sales visit kepada nasabah eksisting dan potensial serta mengusulkan kepada unit terkait untuk memperoleh
forex andderivatives line. Divisi Trisuri secara konsisten akan melakukan sosialisasi mengenai transaksi valuta asing dan
Hedging Instruments kepada nasabah dan Kantor Cabang terkait. Divisi Trisuri juga terus mengembangkan fitur-fitur baru pada
sistem bjb TIP-FX.
Pemasaran produk pasar modal seperti sertifikat deposito tanpa warkat NCD akan dilakukan dengan memperhatikan
potensi dan kondisi pasar yang ada.
INSTITUTIONAL BANKING Perkembangan Institutional Banking bank bjb dan tantangan
tahun 2016 Pada tahun 2016 perkembangan Divisi Institutional Banking
dari Dana Pihak Ketiga Institusi mengalami peningkatan sebesar
TINJAUAN OPERASIONAL
oPeRaTional RevieW
customers, i.e. through Treasury Interactive Pricing system TIP- FX. Bank bjb highly competitive exchange rate for its customers
became the selling point of its foreign exchange large volume transactions. Efforts to increase transaction volume to potential
clients were conducted by means of bjb TIP-FX system, which currently serves as the leading productservice in Treasury Division.
The Division shall continue its effort to grow its yield revenue on customer services.
The 2017 business strategy Plan In the coming 2017, there will be various factors that can move
financial market, amongst others: the development of trade balance and inflation within domestic market, critical challenges
from global marketplace including an increase in Fed rate which occurred in late 2016 along with the continuing US economy
improvement as well as plan from European Central Bank ECB to give a stimulus that will boost European economy by way
of buying bonds, of approximately USD1.3 trillion from March 2015-September 2016.
In facing challenges within financial markets, Treasury Division continues to analyze and implement strategies in line with
market developments while maintaining the bank liquidity and revenue optimization through treasury transactions. Treasury
division will continue to develop products and services to accommodate improved customer needs.
Bank bjb will improve its marketing service and treasury products, among others by expanding its customer base
through sales visits to existing and potential customers, as well as proposing to relevant units to obtain foreign exchange
and derivative products. Treasury division will consistently perform dissemination on foreign exchange transactions and
hedging Instruments to customers and related branch offices. Furthermore, treasury division shall continue to develop new
features on its TIP-FX systems.
The marketing of capital market products, eg. negotiable certificate of deposit NCD will be executed with regard to
potential and existing market conditions.
insTiTUTiOnal banKinG The 2016 development and challenges of bank bjb
institutional banking In 2016, the Third Party Institutional Funds within Institutional
Banking Division has increased by IDR6,228,915,000,000
annual report 2016
217
Growing Together with new expanding opportunities
Rp6.228.915.000.000 menjadi Rp47.939.891.000.000,- dari posisi Dana Pihak Ketiga Institusi pada akhir tahun 2015 yang
berjumlah Rp41.710.976.000.000.
Tabel Kinerja Produk Institutional Banking
Table of institutional banking Products Performance
dalam juta Rupiah | in million Rupiah
31 Desember 2016 December 31, 2016
31 Desember 2015 December 31, 2015
Produk | Product
Produk | Product
nOa nominal |
amount nOa
nominal | amount
GIro Saving
peMDa regional Government
11,681 9,219,359
10,882 10,736,273
peMerInTah puSaT Central Government
237 14,584
250 2,597
BuMn State-owned enterprise
898 350,630
821 323,242
SWaSTa private
76,505 6,951,887
69,933 7,085,677
sUb TOTal 89,321
16,536,459 81,886
18,147,789
DepoSITo peMDa
180 4,226,443
315 6,630,209
peMerInTah puSaT 18
2,120,157 5
351 BuMn
555 8,125,019
858 5,847,311
SWaSTa 4,056
16,931,812 2,934
11,085,316
sUb TOTal 4,809
31,403,432 4,112
23,563,187 TOTal KeselUrUHan |
TOTal OVerall 94,130
47,939,891 85,998
41,710,976 Sumber: MIS bjb Green |
Source: MIS bjb Green
Tantangan yang dihadapi Divisi Institutional Banking pada tahun 2016 ialah adanya kebijakan dari Otoritas Jasa Keuangan OJK
mengenai pemberian tingkat suku Bunga Deposito berdasarkan tiering tingkatan kelompok buku bank sehingga persaingan
dalam peningkatan dan mempertahankan Dana Pihak Ketiga semakin berat. Peningkatan Alternatif cara meningkatkan
Dana Pihak Ketiga ialah dengan Dana CASA dimana diperlukan peningkatan layanan serta kerjasama strategis aliansi strategic
baik dengan BUMD, BUMN maupun dengan institusi lainnya.
Dalam perjalanan tahun 2016 Divisi Institutional Banking menjalankan strategi human-to-human dalam membangun kerjasama dengan
nasabah institusi dan bekerja sama secara sinergis dengan Divisi Teknologi Informasi dan Divisi lainnya agar mendapatkan kepercayaan
dari nasabah institusi dalam bekerja sama antar institusi untuk layanan perbankan guna memenuhi permintaan nasabah institusi, menjaga
dan meningkatkan brand image serta meningkatkan Dana Pihak Ketiga bank bjb melalui Dana CASA.
TINJAUAN OPERASIONAL
oPeRaTional RevieW
to IDR 47,939,891,000,000, -. The previous position of Third Party Institutional Fund by the end of 2015 was
IDR41,710,976,000,000.
The challenge facing Institutional Banking Division in 2016 came from Financial Services Authority FSA policy regarding the
provision of Deposit Interest rate which is based on tier group- level, such that competition to increase and maintain Third-
Party Funds has become even tougher. One alternative method to improve Third Party Fund is the use of CASA, however, there
is a need to improve good service as well as strategic alliances with regional enterprises, state-owned enterprises and other
institutions.
In the course of 2016, Institutional Banking Division has executed human-to-human strategy in establishing cooperation
with institutional clients and worked together in synergy with Information Technology and other Divisions, with the intention
to gain institutional client trust and meet their demands, maintain and enhance bjb bank brand image and increase
Third Party Fund through CASA.
Laporan Tahunan 2016
218
Semakin Berkembang Bersama peluang Baru yang Membentang
Kerjasama yang sudah dilakukan selama tahun 2016
Daftar Kerjasama institusi Divisi Institutional Banking Periode Tahun 2016 list of institutional cooperation of institutional banking Period 2016
nO nama nasabaH
cUsTOmer name rUanG linGKUP Kerjasama
scOPe Of cOOPeraTiOn TanGGal
DaTe
1 pT pos Indonesia
potensi Jasa Layanan Bersam potency for Joint Service
10 Feb 2016 2
LpDp pemanfaatan Jasa dan Layanan perbankan dan pengelolaan SDM
using Banking Service and hr Management 11 Feb 2016
3 poLDa MeTro JaYa
pelayanan pembayaran pajak Kendaraan Bermotor pKB, Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLLJ, penerimaan negara Bukan pajak pnBp, registrasi
dan Identifikasi Kendaraan Bermotor Serta pengesahan STnK Tahunan di Wilayah hukum poLDa MeTro JaYa Melalui Jaringan Kantor dan Jaringan elektronik bank bjb
payment Service of pajak Kendaraan Bermotor pKB, Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLLJ, penerimaan negara Bukan pajak pBnp, registration and
Identification of Motor Vehicle as well as approval of annual STnK in Metro Jaya regional police Jurisdiction through bank bjb office and electronic network
19 Feb 2016
4 pT aSaBrI perSero
penggunaan produk, Jasa dan Layanan perbankan use of banking products and services
24 Mar 2016 5
pemerintahan Kabupaten Karawang penggunaan aplikasi Sp2D online dalam pengelolaan Keuangan pemkab Karawang
use of Sp2D online application in Financial Management of Karawang District Government 11 apr 2016
6 universitas Siliwangi
penggunaan produk, Jasa dan Layanan perbankan use of banking products and services
11 May 2016 7
Badan pertahanan nasional provinsi Banten
penggunaan produk, Jasa dan Layanan perbankan use of banking products and services
16 May 2016 8
Koperasi Konsumen praja Sejahtera Jawa Barat
penggunaan produk, Jasa dan Layanan perbankan use of banking products and services
16 Jun 2016
9 poLDa BanTen
pelayanan pembayaran pajak Kendaraan Bermotor pKB, Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLaJ serta registrasi Identifikasi Kendaraan Bermotor
pengesahan STnK Tahunan di Daerah hukum Kepolisian Daerah Banten melalui Jaringan Kantor dan Jaringan elektronik bank bjb
payment Service of pajak Kendaraan Bermotor pKB, Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLLJ, registration and Identification of Motor Vehicle as well as
approval of annual STnK in Banten regional police Jurisdiction through bank bjb office and electronic network
20 Jun 2016
10 Direktorat Jendral hukum umum
Kementrian hukum dan haM penggunaan produk, Jasa dan Layanan perbankan
use of banking products and services 15 aug 2016
11 Direktorat Jendral hukum umum
Kementrian hukum dan haM pengelolaan pembayaran penerimaan negara Bukan pajak pnBp
Management of payment of penerimaan negara Bukan pajak pnBp 18 aug 2016
12 BpJS Ketenagakerjaan
penggunaan produk, Jasa dan Layanan perbankan Dalam rangka perluasan Kepersertaan use of banking products and services for membership expansion
2 Sep 2016
13 Lembaga pengelola Dana
Bergulir Koperasi dan usaha Mikro, Kecil dan Menengah
LpDB KuMKM, BpJS Ketenagakerjaan,serta Kamar
Dagang dan Industri Indonesia KaDIn provinsi Jawa Barat.
pemberian Fasilitas permodalan, pembinaan dan Jaminan Sosial Kepada pelaku uMKM di Wilayah Jawa Barat
provision of capital, assistance, and social security to uMKM players in West Java area 2 Sep 2016
14 pemerintah provinsi Jawa Barat
percepatan peningkatan pembangunan dan pemberdayaan perekenomian Masyarakat melalui pemanfaatan Fasilitas Layanan perbankan
acceleration on the Improvement of Community Development and economic empowerment by using banking service facilities
7 oct 2016 15
pikiran rakyat penggunaan produk dan Jasa Layanan perbankan serta Jasa di Bidang Informasi dan Grafika
use of banking services and information dan graphics services 14 nov 2016
16 pemerintah provinsi Jawa Barat,
Kepolisian Daerah Jawa Barat, dan Jasa raharja
Layanan pembayaran pKB, SWDKLJJ serta registrasi dan identifikasi kendaraan bermotor di daerah hukum Kepolisian Daerah Jawa Barat melal
payment service of pKB, SWDKLLJ, and registration and Identification of Motor Vehicle as well as approval of annual STnK in West Java regional police Jurisdiction through bank bjb
office and electronic network 15 nov 2016
TINJAUAN OPERASIONAL
oPeRaTional RevieW
collaborations executed in 2016
annual report 2016
219
Growing Together with new expanding opportunities
Daftar Kerjasama institusi Divisi Institutional Banking Periode Tahun 2016 list of institutional cooperation of institutional banking Period 2016
nO nama nasabaH
cUsTOmer name rUanG linGKUP Kerjasama
scOPe Of cOOPeraTiOn TanGGal
DaTe
17 Citilink
perjanjian kerjasama pKS terkait kerjasama penerimaan pembayaran tiket pesawat Citilink melalui delivery channel dan Loyalty program Corporate Contract For employee and Workers
Cooperation agreement pKS on the cooperation of payment for Citilink tickets through delivery channel and loyalty program corporate contract for employee and workers
1 nov 2016
Faktor Pendukung dan Penghambat kegiatan Institutional Banking
Faktor Pendukung kegiatan Divisi Institutional Banking ialah komunikasi yang intensif dengan lintas Divisi, Kantor Wilayah
dan Kantor Cabang bank bjb. Dengan peningkatan komunikasi internal akan membantu pelaksanaan strategi dan pencapaian
target Divisi Institutional Banking khususnya dan target bank bjb
secara keseluruhan. Faktor Penghambatnya yaitu diperlukan proses peningkatan
infrastruktur teknologi informasi bank bjb yang membuat pengembangan layanan bisnis pada era teknologi modern harus
terus bergerak dan mampu bersaing dengan bank pesaing. Perbedaan persepsi antar Divisi, Kantor Wilayah dan Kantor
Cabang bank bjb terhadap strategi pencapaian target perlu diselaraskan sehingga proses pergerakan pencapaian target
bisa maksimal.
Yang terakhir ialah dari sisi perluasan kerjasama dengan masih banyaknya peluang bisnis yang dapat dilakukan kerjasama dan
dapat memberikan keuntungan bisnis untuk kedua belah pihak.
Jenis Produk dan Layanan yang Menjadi Andalan Produk dan Layanan Divisi Institutional Banking yang menjadi
andalan adalah: a. bjb E-Tax
bjb E-Tax ialah layanan penerimaan pembayaran pajak
pemerintah pusat, pajak daerah provinsi, dan pajak daerah kota kabupaten melalui bank bjb via delivery channels yang dimiliki
bank bjb seperti Teller, ATM dan Internet Banking. Mata pajak yang bisa dilakukan pembayaran via bank bjb sebagai berikut:
• Pajak Penghasilan PPh
• Pajak Pertambahan Nilai PPN dan PPNBM
• Bea Materai, Cukai
• Pajak Kendaraan Bermotor PKB dan Bea Balik Nama
Kendaraan Bermotor BBNKB •
Pajak Bahan Bakar Kendaraan Bermotor, Pajak Air Permukaan, Pajak Rokok
• Pajak Bumi dan Bangunan sektor Pedesaan dan
Perkotaan PBB-P2
TINJAUAN OPERASIONAL
oPeRaTional RevieW
supporting and inhibiting factors of institutional banking activities
One supporting Factor of Institutional Banking Division activities is bjb bank intensive communication of cross-divisions, Regional
and Branch Offices An improved internal communication will help the execution of strategy and target achievement of
Institutional Banking Division in particular, and bank bjb target in general.
One inhibiting factor is the need to improve process of bjb bank information technology infrastructure that demands
business service development in the modern era of technology to keep moving and be able to compete with competitors. The
differences in perception between bjb bank Divisions, Regional and Branch Offices towards strategy achievement needs to
be aligned so that the movement of target achievement can be maximized.
Finally, there is a vast opportunity within cooperation expansion, with numerous opportunities of building collaboration that can
contribute to profitsbenefits to both parties.
Types of leading Products and services The leading Institutional Banking Division products and services
are: a. bjb E-Tax
bjb E-Tax is a service receipt payment tax of central,
provincial and districtcity government through bank bjb via delivery channels owned the Bank, such as Teller, ATM
and Internet Banking. Types of tax payment available via bank bjb are as follow:
• Income Tax VAT
• Value Added Tax VAT and sales tax on luxury goods
• Stamp Duty, Customs
• Motor Vehicle Tax PKB and Vehicle Customs BBNKB
• Motor Vehicle Fuel Tax, Surface Water Tax, Cigarette Tax
• Property Tax dan Urban Rural sector PBB-P2
Laporan Tahunan 2016
220
Semakin Berkembang Bersama peluang Baru yang Membentang
• Bea Perolehan Hak Tanah dan Bangunan BPHTB
• Pajak Parkir, Pajak Hotel, Pajak Restoran, Pajak Hiburan,
Pajak Mineral bukan Logam dan Batuan, Pajak Sarang Burung Walet, Pajak Air Tanah, Pajak Reklame, Pajak
Penerangan Jalan Umum.