174
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
.FOHFNCBOHLBO LJOFSKB ,13 Collective Market,
ZBJUV QFOZBMVSBO EBOB LSFEJU QSPQFSUJ LIVTVT VOUVL LBSZBXBO EBSJ QFSVTBIBBO ZBOH UFMBI CFLFSKB TBNB
dengan bank bjb.
5. Memaksimalkan kerja sama kepemilikan rumah NFMBMVJ QSPHSBN QFNFSJOUBI
EJ BOUBSBOZB BTJMJUBT
-JLVJEJUBT 1FNCJBZBBO 1FSVNBIBO -11
BEBO 1FOZFMFOHHBSB +BNJOBO 4PTJBM ,FUFOBHBLFSKBBO
BPJS, Badan Pertimbangan Tabungan Perumahan 1FHBXBJFHFSJ4JQJM BQFSUBSVN
TFSUBZBOHMBJOOZB
B. Brand Image
Untuk memperkuat
brand image produk bank bjb di bidang
kepemilikan properti, Perusahaan akan terus melakukan LFHJBUBO QFNBTBSBO TFDBSB CFSLFTJOBNCVOHBO BM JUV
dilakukan melalui media.
C. Hubungan dengan Pemangku Kepentingan
Dalam rangka membangun dan meningkatkan hubungan baik dengan para pemangku kepentingan, bank bjb akan
melakukan gathering dengan sejumlah pengambang, dinas atau instansi pemerintahan, serta asosiasi properti.
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
1 Bumi Adipura
15.VMUJEBZB,IBSJTNB
Bandung 2
3BZBO3FHFODZ
PT. Kamilindo Sejahtera
4VSBCBZB
3
.FOUFOH3FHFODZ
PT. Menteng Mandiri Sejahetera Gresik
4
4FLBSQVSP3FTJEFODF 151BTUZKBZB
Malang 5
.BUBIBSJJHBOJUSJ JHBOJUSJIFSSZJFME
PT. Mentari Agung Mandiri Bandung
Matahari Asri PT. Mentari Agung Mandiri
Bandung 7
PHPSJSXBOB3FTJEFODF
PT. Graha Andrasentra Propertindo Bogor
8 Gresik Kota Baru
PT. Bumi Lingga Pertiwi Gresik
Pondok Permata Suci PT. Bumi Lingga Pertriwi
Gresik 10
Istana Mentari PT. Bumi Mentari Megah
Sidoarjo 11
The Spring of Tomorrow PT. Cipta Adi Perkasa
Sidoarjo 12
Pakuwon Indah PT. Pakuwon Darma
4VSBCBZB
13 Perumahan Pakuwon Indah
15
SUJTBO4VSZB,SFBTJ 4VSBCBZB
14
BMJLQBQBO4VQFSCMPDL QBSUNFOU3VCZ
400
Apartment Aeropolis, Kondotel Astara PT. Wulandari Bangun Laksana
Balikpapan
OIBODF UIF QFSGPSNBODF PG ,13 PMMFDUJWF .BSLFU OBNFMZUIFEJTUSJCVUJPOPGQSPQFSUZMPBOGPSFNQMPZFFT
of the companies working together with bank bjb.
5. Maximize cooperation of home ownership through HPWFSONFOU QSPHSBNT
JODMVEJOH PVTJOH JOBODF
-JRVJEJUZ BDJMJUZ -11
UIF NQMPZNFOU 4PDJBM 4FDVSJUZ HFODZ 1+4
UIF EWJTPSZ PBSE PG JWJM
4FSWBOUTPVTJOH4BWJOHT BQFSUBSVN
BOEPUIFST
B. Brand Image
To strengthen the brand image of the Bank’s products JO UIF mFME PG QSPQFSUZ PXOFSTIJQ
UIF PNQBOZ XJMM
continue to conduct marketing activities on an on-going basis through the media.
C. Stakeholder Relationship
In order to build and enhance relationships with the stakeholders, the Bank will organize gatherings with
EFWFMPQFST
HPWFSONFOU PGmDFT PS BHFODJFT
BT XFMM BT UIFQSPQFSUZBTTPDJBUJPO
KPR MORTGAGE
175
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
15 Taman Sumber Indah
15FSMJBOBJWB1SPQFSUZ
Sumber
,SBLBUBV3FTJEFODF 15SJOBBZVTXBLBSTB
Serang 17
1FTPOBJMFVOZJ 15SJOBBZVTXBLBSTB
JMFVOZJ
18
5IF0BTJT7JMMBHF3FTJEFODF
PT. Diwangkara Bangun Persada Sidoarjo
4BUVSOVT3FHFODZ 15SBIBEJDJQUBVHSBIB
Bandung 20
Green Garden View
15SBIBEJDJQUBVHSBIB
Bandung 21
5IFBSEFOJUZ7JFX 15SBIBEJDJQUBVHSBIB
Bandung 22
Padasuka Estate
15SBIBEJDJQUBVHSBIB
Bandung 23
SFFO7BMMFZ3FTJEFODF 15SBIBEJDJQUBVHSBIB
Bandung 24
Grand Ujung Berung
15SBIBEJDJQUBVHSBIB
Bandung 25
SBOE7BMMFZ6KVOHFSVOH 15SBIBEJDJQUBVHSBIB
Bandung
JUZBSEFO3FTJEFODF 15SBIBEJDJQUBVHSBIB
Bandung 27
The Green Sariwangi
15SBIBEJDJQUBVHSBIB
Bandung 28
4BSJXBOHJJUZ7JFX 15SBIBEJDJQUBVHSBIB
Bandung
4BSJXBOHJ3FHFODZ 15SBIBEJDJQUBVHSBIB
Bandung 30
Sariwangi Estate
15SBIBEJDJQUBVHSBIB
Bandung 31
Sariwangi Village
15SBIBEJDJQUBVHSBIB
Bandung 32
dcassa Grande
15SBIBEJDJQUBVHSBIB
Bandung 33
Grand Kolmas Village
15SBIBEJDJQUBVHSBIB
Bandung 34
3JWFS7BMMFZEBOBTBBSEFOJB 15OVHSBI,BSZBBOHVO4FKBIUFSB
Bogor 35
FSPQPMJT3FTJEFODF
PT. Perkasa Lestari Permai Tangerang
Grand Taruma PT. Pesona Gerbang Karawang
Karawang 37
Graha Estetika
15BTB8JMJT3BZB
Semarang 38
Buana Soetta PT. Cikal Buana Persada
Bandung Buana Subang Kencana
PT. Cikal Buana Persada Subang
40 Buana Taman sari
PT. Cikal Buana Persada Karawang
41 Graha Subang Kencana
PT. Cikal Buana Persada Subang
42
BSWFTUJUZ 15XJHVOBUBNB3JOUJT1SJNB
Bekasi 43
BSWFTUJUZ 15XJLBSZB-BOHHFOH4VLTFT
Bogor 44
Pesona Cilegon PT. Gunung Intan Abadi Terus
Serang 45
Grand Pesona PT. Gunung Intan Abadi Terus
Serang
MORTGAGE FINANCIAL HOUSING
176
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
5JSUBTBOJ3FTJEFODF 154VSZBSBIBIVXBOB
Surakarta 47
Taman Graha Asri PT. Graha Serang Asri
Serang 48
Serpong Garden
15BSBQBOOUJ1FSTBEBOEBI
Serpong Persada Banten
15BSBQBOOUJ1FSTBEBOEBI
Serpong 50
BNQPFBXBOH1VSJ3FHFODZ 15JUSBBNQPFBXBOH4FEBZV
OESBNBZV
51 Graha Sudirman
15JQUB-PLBVTB1SJNB OESBNBZV
52 Galuh Mas
PT. Galuh Citarum Karawang
53 Plamongan Indah Jasmine Park, Villa Pinus
Watugong, Gardenia dan Permata Batusari
15,JOJ+BZBOEBI
Semarang 54
Bentang Padalarang
156[Z,BSZB1SFTUBTJ
Bandung 55
Senopati Penthouse
154FOPQBUJSZBOJ1SJNB
Jakarta Puri Indah Lestari
PT. Dimensi Puri Lestari Cimahi
57 Bumi Teluk Jambe
151FSVN1FSVNOBT3FH7
Karawang 58
4IBQQIJSF3FTJEFODF,FEBXVOH
PT. Mitra Shapphire Sejahtera Cirebon
5JSUBZBTBSFHFODZ
PT. Tulus Asih Sumber
SBOEVTBOEBI
PT. Kentanix Supra International Bogor
Villa Bogor Indah PT. Semangat Panca Bersaudara
Bogor The Andalusia
15SZBJQUB4BSBOB
Serang
JUSBVTBJBHB 155SJBT+BZB1SPQFSUJOEP
Batam
1VSJTSJ3FTJEFODF 155SJBT+BZB1SPQFSUJOEP
Batam
SBOEJBHB.BT 155SJBT+BZB1SPQFSUJOEP
Batam
1BODBOBLBBMJSmOB 15BIBZB3BHB
Bali
SBOE1JOVT3FHFODZ 15OHHSFLOEBI4VSZB-FTUBSJ
Bandung Citra Indah
PT. Ciputra Indah Bogor
5BOHDJUZ 151BODBLBSZBSJZBUBNB
Tangerang 70
Bumi Papan Selaras PT. Bangun Papan Selaras
Sidoarjo 71
Grand Semanggi Mangrove PT. Graha Agung Perkasa
4VSBCBZB
72
MBNFQPL3FTJEFODF 15JOUBOH4IBmSB
Depok 73
Citra Sun Semarang
+0JQVUSB4VOJOEP1SPQFSUZ
Semarang 74
Citra Grand Semarang
+0JQVUSB,BSZB6UBNB
Semarang 75
JUSB4VOBSEFO:PHZBLBSUB
JO Ciputra Sunindo Graha Utama
,BC4MFNBO:PHZBLBSUB
KPR MORTGAGE
177
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
JUSBSBOE.VUJBSB:PHZB
JO Ciputra Graha Terasama
:PHZB
,BCVQBUFO
Sleman 77
JUSBMBOEBHZBJUZ +0JQVUSB,BSZB1BODBTBLUJVHSBIB
Deli. Serdang - Medan 78
Pesona Ciganitri PT. Duta Emas Anugerah Abadi
Kab. Bandung
BUFXBZ1BTUFVSQBSUNFOU 151SBTFUZBHVOHJQUBCBEJ
Bandung 80
SBIBHPSPTSJ 15OVHFSBI4FKBUJ8BIBOB,BSZB
Mojokerto 81
Bahtera Indah Sejahtera
15JOBLBSZBUBNBOEBI1FSLBTB
Lampung 82
NBNPOKPM3FHFODZ
PT. Lampung Utama Construcsindo Lampung
83
4FSSBZ7BMMFZF-JNBJXBSVHB 15VTBOUBSBSBIBOEPOFTJB
Bandung 84
SBOE5VQBSFW3FTJEFODF 153BKBXBMJ4VSZB4FNFSMBOH
Karawang 85
SJZB+BUJ,BMJKBHB 158JHBOUVBSEB+BZB
Cirebon Andalusia Kartini Square
PT. Manzillah Visi Mulia Gresik
87
VBOBJXBTUSB3FTJEFODF
PT. Kibar Buana Persada Bandung
88
5IFZCSJE1BSLFXUPO 15SBDJBSJZB,FODBOB
Bandung Kota Jababeka
PT. Graha Buana Cikarang Cikarang
1BMN3FTJEFODFSPVQ
PT. Multi Bangun Sarana
4VSBCBZB
Apartment Voila
158JO8JO3FBMUZFOUSF 4VSBCBZB
4004LZMPGU 158JO8JO3FBMUZFOUSF
4VSBCBZB
Grand Sentosa PT. Artha Sentosa
Solo Puri Artha Sentosa
PT. Artha Sentosa Solo
BSVUZQFSTRVBSF 15BTUVLB4BSBOBLBSZB
Garut Stella
PT. Mentari Agung Mandiri Bandung
Akita 2 PT. Mentari Agung Mandiri
Bandung Matahari Square
PT. Mentari Agung Mandiri Bandung
De Paradiso PT. Jakarta Propertindo
Jakarta 100
5IF5PXFS 15,3FMBUJOEP
Jakarta 101
5IF3FTJEFODF 15,3FMBUJOEP
Jakarta 102
Intermark Mix Use Properti
,40.FSEFLB3POPWOEPOFTJB
Tangerang Selatan 103
BEJOHSFFOJMMQBSUNFOU
PT. Gading Selaras Jakarta Utara
104
SBOEIJLBJUZ 15EIJ1FSTBEB1SPQFSUZ
Bekasi 105
Taman Melati Jatinangor
15EIJ1FSTBEB1SPQFSUZ
Jatinangor
4FSPKBPNF3FTJEFODF 15SBIBEJDJQUBVHSBIB
Kab. Bandung
MORTGAGE FINANCIAL HOUSING
178
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
107
SJZB1BUBSVNBOTSJ 15SBIBEJDJQUBVHSBIB
Bandung Barat 108
Intermark Mix Use Properti Usaha
,40.FSEFLB3POPWOEPOFTJB
Tangerang Selatan
3PZBM0MJWF3FTJEFODF 15EF1FEF3FBMUZ
Jakarta Selatan 110
Graha Metro Serang PT. Graha Mulia Abadi
Serang 111
Batakan Village
15FSJXJKBZBTSJ
Balikpapan 112
SFFOBSNPOJ3FTJEFODF 15NCFSBTZB
Bandung 113
1FSNBUBJKBV3FTJEFODF
PT. Sigit Putra Agung Karawang
114 Imperium Park
15,IBSJTNB4VSZB.BOEJSJ
Cibinong 115
3FHFOUT1BSL
PT. Binx Propertindo Karawang
Graha Grande PT. Bangun Bumi Pakuan
Cibinong 117
Andalusia
15MFYBOESJB3FBMUJOEP 5BTJLNBMBZB
118
FJSXBOBBSEFO 15SBIBBUB8JHVOB
5BTJLNBMBZB
Apartment The Windsor PT. Antilope Mandju Puri Indah
120 Bizpoint
15,XBSUB4FKBIUFSB+BZB
Balaraja 121
EFMXFJT5PXOPVTF 15SBIB,VSOJB3BZB
Bandung 122
Casa Gardenia 2
15OVHSBI,BSZBBOHVO4FKBIUFSB
Cibitung 123
BUVKBKBS3FHFODZ 15VTBO4FOUPTBBOHVO+BZB
Batujajar 124
,PUBBSV1BSBIZBOHBO
PT. Belaputera Intiland Padalarang
125
3JWFS7BMMFZ 15OVHSBI,BSZBBOHVO4FKBIUFSB
Kabupaten Bogor
1BMUSPXJUZFMMJOJ5PXFSQBSUNFOU 15EIJTBUZB1SPQFSUZ
Semarang 127
SFFONFSBME3FTJEFODF
PT. Gemilang Mas Sejahtera Depok
128
FNQBLBJKBV ,FSKBTBNB11JOEZB
Bandung Panorama Panembong
PT. Bintang Ciremai Abadi Cianjur
130
.BKBHFVMJT3FTJEFODF
PT. Turangga Empat Tiga Majalengka
131 Citralake Sawangan
KSO Citra Bangun Cemerlang Depok
132 Citragarden BMW
KSO Citra Pradipta Serang
133
JUSBSBZBJUZ.FOEBMP
KSO Citra Mendalo Prima Jambi
134
JUSB 15BLSBXBMB3FTQBUJ
Jakarta 135
Citra 7
15-BIBOEZBCVNJ
Jakarta Aeroworld
15BLSBEJHEBZB-PLBSBZB
Jakarta 137
JUSBHSBOEJUZ +0JUSBTSJHSJZB
Palembang
KPR MORTGAGE
179
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BGUBS1FOHFNCBOHZBOHFLFSKBTBNB
The Cooperating Developer List
No Proyek
Project PerusahaanPengembang
CompanyDeveloper Lokasi
Location
138 Kedamaian Mansion
CV. Atmosphere Bandarlampung
Graha Mulawarman Tahap II PT. Graha Agung Kusuma
Balikpapan 140
Centra Bizpark Tahap II
,4015CFSJXJKBZBTSJEBO156NBXBSTBTBCMV[B
Balikpapan 141
Enviro
15,3FBMUJOEP
Cikarang 142
Daun Village
15.VMJBMBN3BZB
Balikpapan 143
Pesona Ciwastra Village
151VUSB4BSBOB+BZB-FTUBSJ
Bandung 144
Casa Gardenia Batu Gede
15OVHSBI,BSZBBOHVO4FKBIUFSB
Cilebut 145
BMJLQBQBO3FHFODZ
PT. Mutiara Bahagia Abadi, Perusahaan Daerah Kota Balikpapan - PT. Mutiara Bahagia Abadi
Balikpapan Cluster Jasmine Park
153PZBMOWFTNFOU
Karawang 147
3 Multigudang Tangerang
158BIBOB,BSZB4VLTFT1SJNB
Tangerang 148
-BCVIBOMBN3FTJEFODF 15.POH,BSZBFSTBNB
Bandarlampung
PMGTUBUFPHPS3BZB 15PHPS3BZBFWFMPQNFOU
Bogor 150
SJZB4PLBPHPS3BZB 15PHPS3BZBFWFMPQNFOU
Bogor 151
SJZBPHPS3BZB 15SJZBPHPS3BZB
Bogor 152
1BEKBEKBSBOSFHFODZ 15SJZBPHPS3BZB
Bogor 153
PHPS3BZB3FTJEFODF 15PHPS3BZB3FTJEFODF
Bogor 154
.BOTJPO 15,3FBMUJOEP
Jakarta 155
Citraland Tegal PT Ciputra Optima Mitra
Tegal Citraland Cirebon
15JQVUSBVTB.JUSBEBO15VEJ4BSJ.VSOJKJ
Cirebon
MORTGAGE FINANCIAL HOUSING
180
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb Laporan Tahunan
2014
180
Pendirian
15 BOL +BCBS BOUFO 4ZBSJBI BEBMBI TVBUV 1FSTFSPBO 5FSCBUBTZBOHEJEJSJLBOEBONFOKBMBOLBOLFHJBUBOVTBIBOZB
menurut dan berdasarkan peraturan perudang-undangan ZBOH CFSMBLV EJ 3FQVCMJL OEPOFTJB
CFSLFEVEVLBO EJ ,PUB
Bandung. Pendirian bank
bjb
4ZBSJBI EJBXBMJ EFOHBO QFNCFOUVLBO JWJTJ6OJU6TBIB4ZBSJBIPMFI15BOL1FNCBOHVOBOBFSBI
+BXBBSBUEBOBOUFO5CLQBEB.FJBMUFSTFCVU CFSUVKVBOVOUVLNFNFOVIJLFCVUVIBONBTZBSBLBU+BXBBSBU
ZBOHNVMBJUVNCVILFJOHJOBONFOHHVOBLBOKBTBQFSCBOLBO TZBSJBIQBEBTBBUJUV
BMBNQFSKBMBOBOOZB
NBOBKFNFO1FSTFSPBOCFSQBOEBOHBO VOUVL NFNQFSDFQBU QFSUVNCVIBO VTBIB TZBSJBI TFSUB
NFOEVLVOH QSPHSBN BOL OEPOFTJB ZBOH NFOHIFOEBLJ QFOJOHLBUBO TIBSF QFSCBOLBO TZBSJBI
NBLB EFOHBO
QFSTFUVKVBO 3BQBU 6NVN 1FNFHBOH 4BIBN 15 BOL
Pembangunan Daerah Jawa Barat dan Banten Tbk diputuskan VOUVL NFOKBEJLBO JWJTJ6OJU 6TBIB 4ZBSJBI NFOKBEJ BOL
6NVN4ZBSJBI Sebagai tindak lanjut, maka pada 15 Januari 2010 didirikanlah
CKC4ZBSJBICFSEBTBSLBOLUB1FOEJSJBO1FSTFSPBO5FSCBUBT PZBOHEJCVBUPMFIBUIJBIFMNJ
4
PUBSJTEJ+BLBSUB
Akta telah memperoleh pengesahan dari Menkumham CFSEBTBSLBO 4VSBU ,FQVUVTBO P 6
5BIVO UBOHHBM +BOVBSJ EBO UFMBI EJEBGUBSLBO EBMBN BGUBS 1FSTFSPBO TFTVBJ EFOHBO 6615 P 6
5BIVOUBOHHBM+BOVBSJ
Establishment
15BOL+BCBSBOUFO4ZBSJBIJTB-JNJUFE-JBCJMJUZPNQBOZ which was established and perform its business activities
in accordance with and based on the rules and regulations BQQMJDBCMFJOUIF3FQVCMJDPGOEPOFTJB
EPNJDJMFEJOUIFJUZ
of Bandung. The establishment of bank
bjb
4ZBSJBIXBTJOJUJBUFEXJUIUIF FTUBCMJTINFOUPGUIF4IBSJBJWJTJPOVTJOFTT6OJUCZ15BOL
1FNCBOHVOBOBFSBI+BXBBSBUEBOBOUFO5CLPO.BZ 20, 2000. It has the objectives to meet the needs of the people
of West Java who started growing the desire for the use of Islamic banking services at that time.
OJUTKPVSOFZ
UIFNBOBHFNFOUPGUIFPNQBOZCFMJFWFTUIBU to accelerate the growth of Islamic business and support the
programs of Bank Indonesia that pursues an increase in the share of Islamic banking, with the approval of the General
Meeting of Shareholders of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk decided to make the Sharia
Division Unit into Sharia Bank. T B GPMMPX VQ
CKC 4ZBSJBI JU XBT FTUBCMJTIFE PO +BOVBSZ
CBTFE PO UIF -JNJUFE -JBCMJUZ PNQBOZ FFE P BUIJBINBEFCZBUIJBIFMNJ
4
PUBSZJO+BLBSUB5IF
EFFEIBTCFFOBQQSPWFECZUIFFDSFFPGUIF.FOLVNIBN P6PGEBUFE+BOVBSZ
BOE
IBTCFFOSFHJTUFSFEJOUIFPNQBOZ-JTUJOBDDPSEBODFXJUI 6615P6PGEBUFE+BOVBSZ
2010 .
BISNIS SYARIAH
Sharia Business
TINJAUAN KINERJA ANAK PERUSAHAAN
SUBSIDIARY PERFORMANCE REVIEW
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
181
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb Annual Report
2014
181
bank bjb
Annual Report 2014
Kegiatan Usaha
4FTVBJ1BTBMOHHBSBOBTBSBOL+BCBSBOUFO4ZBSJBI NBLTVE EBO UVKVBO BEBMBI NFOZFMFOHHBSBLBO VTBIB
QFSCBOLBOCFSEBTBSLBOQSJOTJQTZBSJBI
Pengurus Bank Jabar Banten Syariah
FXBO,PNJTBSJT
JSFLTJEBO141FSJPEF
Dewan Komisaris Board of Commissioners JabatanPosition
NamaName
Komisaris Utama President Commissioner
Erick Komisaris
Commissioner Santoso Djojo Koesoemo
Komisaris Commissioner
JEJU4VQSJZBEJ
Komisaris Commissioner
BIZB
Direksi Board of Directors Jabatan
NamaName
President Direktur President Director
MJVSJEJO
Direktur Director
BNBSBEBN
Direktur Director
BSUB1VSOBNB CFMVNmUBOEQSPQFSUFTU
Direktur Director
:PDJFVTNBO CFMVNmUBOEQSPQFSUFTU
Dewan PengawasSupervisory Board Jabatan
NamaName
Ketua Chairman
Jaih Mubarok Anggota
Member Endjo Sunidja
Anggota Member
3J[LB.BVMBOB
Kinerja
JOHHB FTFNCFS
BTFU BOL +BCBS BOUFO 4ZBSJBI NFOJOHLBU
EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO
TFCFMVNOZB BSJ 3Q
USJMJVO NFOKBEJ TFCFTBS 3Q triliun.
Perkembangan penghimpunan Dana Pihak Ketiga DPK BEBMBITFCBHBJCFSJLVU
t 1, ZBOH CFSBTBM EBSJ QSPEVL JSP
5BCVOHBO EBO FQPTJUP NFOJOHLBU TFCFTBS
BUBV 3Q NJMJBS
ZBJUV EBSJ 3Q NJMJBS QBEB FTFNCFS NFOKBEJ 3Q NJMJBS QBEB FTFNCFS 1FOJOHLBUBO
tersebut ditopang oleh kenaikan Deposito sebesar 3Q NJMJBS BUBV
EBSJ 3Q NJMJBS NFOKBEJ
3QNJMJBSEJFTFNCFS t 1SPEVL 5BCVOHBO NFOJOHLBU 3Q NJMJBS BUBV
EBSJ3QNJMJBSEJFTFNCFSNFOKBEJ3QNJMJBS pada Desember 2014 dan produk Giro menurun sebesar
3Q NJMJBS BUBV EBSJ TFCFTBS 3Q NJMJBS EJ FTFNCFSNFOKBEJ3QNJMJBSEJFTFNCFS
Business Activity
In accordance with Article 3 of the Articles of Association of BOL+BCBSBOUFO4ZBSJBI
UIFQVSQPTFBOEPCKFDUJWFJTUP
conduct banking business based on the sharia principles.
Management of Bank Jabar Banten Sharia
PBSEPGPNNJTTJPOFST
JSFDUPSTBOE141FSJPE
Performance
As of December 2014, the assets of Bank Jabar Banten 4ZBSJBIJODSFBTFECZDPNQBSFEUPUIFTBNFQFSJPEJO
UIFQSFWJPVTZFBSSPN3QUSJMMJPOUP3QUSJMMJPO
5IFEFWFMPQNFOUPG5IJSE1BSUZVOET 1,
JTBTGPMMPXT • Deposits derived from the products of Giro, Savings and
FQPTJUT JODSFBTFE CZ PS 3Q
CJMMJPO GSPN 3Q
CJMMJPOJOFDFNCFSUP3Q
CJMMJPOPO
FDFNCFS5IFJODSFBTFXBTESJWFOCZBOJODSFBTF JOEFQPTJUTJOUIFBNPVOUPG3Q
CJMMJPO
PS
GSPN
3Q
CJMMJPOUP3Q
CJMMJPOJOFDFNCFS
t 4BWJOHTQSPEVDUTJODSFBTFECZ3QCJMMJPOPSGSPN 3Q CJMMJPO JO FDFNCFS UP 3Q CJMMJPO JO
FDFNCFS BOE JSP QSPEVDUT EFDSFBTFE CZ 3QCJMMJPOPSGSPN3QCJMMJPOJOFDFNCFSUP
3QCJMMJPOJOFDFNCFS
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
Consolidated Financial Statements Corporate Data
182
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb
Laporan Tahunan 2014
182
t ,PNQPTJTJBOB1JIBL,FUJHBCBOL+BCBSBOUFO4ZBSJBI dari Desember 2013 hingga Desember 2014 masih
didominasi oleh simpanan Deposito masing-masing TFCFTBS
EBO
EBSJUPUBMBOB1JIBL,FUJHB
EBONBZPSJUBTNFSVQBLBOEFQPTBOLPSQPSBTJ t .FOJOHLBUOZB WPMVNF VTBIB EJTFCBCLBO PMFI
QFSUVNCVIBO QFNCJBZBBO BOL +BCBS BOUFO 4ZBSJBI ,JOFSKB QFNCJBZBBO CBOL
bjb
4ZBSJBI UFSVT NFOHBMBNJ QFOJOHLBUBO EBO QBEB UBIVO WPMVNF QFNCJBZBBO
bjb
4ZBSJBIUFMBINFODBQBJ3QNJMJBSBUBVNFOJOHLBU TFCFTBS
EJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB
Perkembangan Ekuitas Modal
Ekuitas terdiri dari modal disetor dan saldo laba pada 31 FTFNCFSTFCFTBS3QNJMJBSBUBVNFOJOHLBU
dibandingkan posisi pada Desember 2013. Peningkatan ini EJTFCBCLBOPMFIMBCBZBOHEJCVLVLBO
bjb
4ZBSJBIQBEBBLIJS UBIVOZBOHNFODBQBJ3Q
NJMJBS
Pendapatan, Beban, Dan Laba
Selama periode tahun buku 2014, pertumbuhan pendapatan, beban dan laba bank
bjb
4ZBSJBIBEBMBITFCBHBJCFSJLVU • Pendapatan operasional
bjb
4ZBSJBI TFCFTBS 3Q NJMJBS
EJ NBOB KVNMBI UFSTFCVU CFSBTBM EBSJ
QFOEBQBUBO QFOZBMVSBO EBOB 3Q NJMJBS EBO TJTBOZB 3QNJMJBSCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBMMBJOOZB
• Beban operasional
bjb
4ZBSJBI 3Q NJMJBS UFSEJSJ EBSJ CFCBO UFOBHB LFSKB 3Q NJMJBS
CFCBO BENJOJTUSBTJ
EBOVNVN3QNJMJBS
CFCBOQFOZJTJIBOLFSVHJBOBTFU QSPEVLUJGCFSTJI3QNJMJBSEBOTJTBOZBCFSVQBCFCBO
MBJOOZBTFCFTBS3QNJMJBS
• Laba bersih
bjb
4ZBSJBI QBEB FTFNCFS TFCFTBS 3QNJMJBS
Rasio-Rasio Keuangan
3BTJPQFSNPEBMBO 3
CBOL
bjb
4ZBSJBIQBEBFTFNCFS 2014 sebesar 15,78, mengalami penurunan dibandingkan
QFSJPEFZBOHTBNBUBIVOTFCFMVNOZB
ZBOHCFSBEBEJQPTJTJ
Rasio Rentabilitas:
- Imbal hasil Aset Return On Asset
o30
TFCFTBS QBEB FTFNCFS
EJCBOEJOHLBO
QBEB
Desember 2013. t 5IF5IJSE1BSUZVOETDPNQPTJUJPOPGBOL+BCBSBOUFO
4ZBSJBI GSPN FDFNCFS UP FDFNCFS JT TUJMM EPNJOBUFECZFQPTJUTTBWJOHTSFTQFDUJWFMZBNPVOUJOHUP
BOEPGUIFUPUBM5IJSE1BSUZVOETBOEUIF NBKPSJUZBSFDPSQPSBUFEFQPTJUPST
t 5IFJODSFBTFJOUIFCVTJOFTTWPMVNFJTEVFUPUIFmOBODJOH HSPXUI PG BOL +BCBS BOUFO 4ZBSJBI 5IF mOBODJOH
performance of bank bjb
4ZBSJBIDPOUJOVFTUPFYQFSJFODF BO JODSFBTF BOE CZ UIF mOBODJOH WPMVNF PG CKC
4ZBSJBIIBTSFBDIFE3QCJMMJPO
BOJODSFBTFPG DPNQBSFEUPUIFQSFWJPVTZFBS
Development of Equity Capital
RVJUZDPOTJTUTPGQBJEJODBQJUBMBOESFUBJOFEFBSOJOHTPO FDFNCFS BNPVOUJOH UP 3Q CJMMJPO PS BO JODSFBTF
of 1.75 compared to the position in December 2013. This JODSFBTFXBTEVFUPOFUJODPNFSFDPSEFECZ
bjb
4ZBSJBIBUUIF FOEPGXIJDISFBDIFE3QCJMMJPO
5HYHQXH[SHQVHVDQG3URÀW
VSJOH UIF mTDBM ZFBS QFSJPE
UIF HSPXUI PG SFWFOVFT FYQFOTFTBOEQSPmUTPG
bank bjb
4ZBSJBIBSFBTGPMMPXT • Operating income of
bjb
4ZBSJBI BNPVOUFE UP 3QCJMMJPO
JOXIJDIUIFBNPVOUPGJODPNFEFSJWFEGSPN
GVOE EJTCVSTFNFOUT JO UIF BNPVOU PG 3Q CJMMJPO BOE 3QCJMMJPOEFSJWFEGSPNPUIFSPQFSBUJOHJODPNF
• Operating expenses of bjb
4ZBSJBI BNPVOUFE UP 3Q CJMMJPO DPOTJTUT PG UIF MBCPS FYQFOTF PG
3Q CJMMJPO
HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT PG 3Q CJMMJPO
UIF FYQFOTF GPS UIF OFU QSPEVDUJWF BTTFUT
MPTTFT PG 3Q CJMMJPO BOE UIF SFTU PG PUIFS DPTUT XIJDI BNPVOUFEUP3QCJMMJPO
t FUJODPNFPG
bjb
4ZBSJBIJOFDFNCFSBNPVOUFEUP 3QCJMMJPO
.
Financial Ratios
BQJUBM EFRVBDZ 3BUJP 3
PG bank
bjb
4ZBSJBI JO December 2014 amounted to 15.78, a decrease compared
UPUIFTBNFQFSJPEUIFQSFWJPVTZFBS
XIJDIXBTJOBQPTJUJPO PG
Earning Ratio:
3FUVSO 0O TTFU o 30 PG PO FDFNCFS DPNQBSFEUPPOFDFNCFS
BISNIS SYARIAH
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
183
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb
Annual Report 2014
183
NCBM BTJM LVJUBT Return On Equity
o 30
TFCFTBS QBEBFTFNCFSEJCBOEJOHLBO
QBEB
Desember 2013. 1FOVSVOBO 30 EBO 30 EJTFCBCLBO PMFI SBTJP 010
ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO EFOHBO UBIVOTFCFMVNOZB
- FU OUFSFTU .BSHJO .
QBEB UBIVO TFCFTBS
8,34, mengalami peningkatan dibandingkan posisi pada FTFNCFSTFCFTBS
Beban Operasional terhadap Pendapatan Operasional 010
TFCFTBS
.FOHBMBNJ QFOJOHLBUBO
EJCBOEJOHLBOQPTJTJQBEBFTFNCFSTFCFTBS Per 31 Desember 2014,
Financing Deposit Ratio 3
apabila dibandingkan dengan Desember 2013 sebesar ,POEJTJUFSTFCVUEJTFCBCLBOQFOJOHLBUBO1,ZBOH
MFCJIUJOHHJEJCBOEJOHLBOQFOJOHLBUBOWPMVNFQFNCJBZBBO EJNBOB 1, NFOJOHLBU TFCFTBS 3Q NJMJBS TFEBOHLBO
QFNCJBZBBOIBOZBNFOJOHLBUTFCFTBS3QNJMJBS
Kualitas aset produktif per 31 Desember 2014 rasio-rasio UFSLBJUEFOHBOLVBMJUBTBLUJWBQSPEVLUJGBOUBSBMBJO
- Piutang Murabahah
FU 1FSGPSNJOH JOBODJOH 1 SPTT
FU1FSGPSNJOHJOBODJOH 1
FU
- Piutang Istishna
FU1FSGPSNJOHJOBODJOH 1 Gross
FU1FSGPSNJOHJOBODJOH 1
FU 72,08.
- Pinjaman Qardh
FU1FSGPSNJOHJOBODJOH 1 Gross
FU1FSGPSNJOHJOBODJOH 1
FU 0,00.
1FNCJBZBBO .VEIBSBCBI FU 1FSGPSNJOH JOBODJOH 1
Gross 0,35, FU 1FSGPSNJOH JOBODJOH 1
FU 1FNCJBZBBO .VTZBSBLBI FU 1FSGPSNJOH JOBODJOH
1 Gross
FU1FSGPSNJOHJOBODJOH 1 FU
12,50. 3FUVSO 0O RVJUZ o 30 PG PO FDFNCFS
DPNQBSFEUPPOFDFNCFS 5IFJODSFBTFJO30BOE30BSFEVFUPUIF010SBUJP
XIJDIEFDSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS FU OUFSFTU .BSHJO .
JO BNPVOUFE UP
a increase compared to the position in December 2013 XIJDIBNPVOUFEUP
0QFSBUJOHYQFOTFTUP0QFSBUJOHODPNF 010
PG Increased compared to the position in December 2013 which
XBT TPGFDFNCFS
UIFJOBODJOHFQPTJU3BUJP 3
was 82.02 compared to December 2013 which amounted to 5IFDPOEJUJPOJTEVFUPBOJODSFBTFJOUIFmOBODJOH
WPMVNFUIBUJTOPUNBUDIFECZBOJODSFBTFJOEFQPTJUT
JOXIJDI mOBODJOHJODSFBTFECZ3Q
CJMMJPO
XIJMF1,JODSFBTFE
CZPOMZ3QCJMMJPO
5IF RVBMJUZ PG QSPEVDUJWF BTTFUT BT PG FDFNCFS SBUJPTBTTPDJBUFEXJUIBTTFUTRVBMJUZ
BNPOHPUIFST
.VSBCBIBI3FDFJWBCMFTFU1FSGPSNJOHJOBODJOH 1 SPTT
FU1FSGPSNJOHJOBODJOH 1
FU
TUJTIOB 3FDFJWBCMFT FU 1FSGPSNJOH JOBODJOH 1 SPTT
FU 1FSGPSNJOH JOBODJOH 1
FU
72.08. 2BSEI-PBOFU1FSGPSNJOHJOBODJOH 1
SPTT
FU1FSGPSNJOHJOBODJOH 1
FU .VEIBSBCBIJOBODJOHFU1FSGPSNJOHJOBODJOH 1
SPTT
FU1FSGPSNJOHJOBODJOH 1
FU .VTZBSBLBIJOBODJOHFU1FSGPSNJOHJOBODJOH 1
SPTT
FU 1FSGPSNJOH JOBODJOH 1
FU 12.50.
SHARIA BUSINESS
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
Consolidated Financial Statements Corporate Data
184
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb
Laporan Tahunan 2014
184
Pendirian
1BEB UBIVO ,BCVQBUFO BSVU NFOEJSJLBO -FNCBHB Keuangan dengan nama Lembaga Perkreditan Kecamatan
LPK berdasarkan Surat Keputusan Gubernur Kepala BFSBI5JOHLBU+BXBBSBUPNPS4,UFOUBOH
Pembentukan Lembaga Perkreditan Kecamatan LPK di 1SPWJOTJ+BXBBSBU1BEBUBOHHBM+VMJ1-1,EJ
,BCVQBUFOBSVUTFMBOKVUOZBCFSVCBITUBUVTNFOKBEJ113 -1, CFSEBTBSLBO ,FQVUVTBO .FOUFSJ ,FVBOHBO 3FQVCMJL
Indonesia. Pemerintah Provinsi Jawa Barat telah mengeluarkan
beberapa kebijakan terkait dengan pengembangan PD. 13 NJMJL CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB BSBU EBO
Banten, Pemerintah Kabupaten dan PT Bank Pembangunan BFSBI+BXBBSBU
5CL
EFOHBOEJLFMVBSLBOOZB1FSEBP
UBIVOUFOUBOH1FSVCBIBOBUBT1FSEBPUBIVO UFOUBOH113EBO11,ZBOHEJBOUBSBOZBNFOHBUVS
mengenai penggabungan melalui konsolidasi atau merger 113EJTFUJBQ,BCVQBUFONFOKBEJ TBUV
113
Sesuai surat ijin Sesuai Surat Keputusan Deputi Gubernur BOL OEPOFTJB P ,1Q UBOHHBM 0LUPCFS
ZBOH EJTBNQBJLBO PMFI BOEVOH NFMBMVJ TVSBU P,6EEUBOHHBM0LUPCFSQFSJIBM
1FNCFSJBO [JO 1FOHHBCVOHBO 6TBIB .FSHFS
1 13 -1, ,BC BSVU BSVU ,PUB
4VLBXFOJOH
BZPOHCPOH
Cikajang, Banjarwangi, Cibalong dan Leuwigoong ke dalam 113-1,BSVU,PUB
ZBOHUFMBICFSPQFSBTJTFKBLUBOHHBM
FTFNCFS
NFMBMVJQFOVUVQBOOFSBDBEBONFOZVTVO OFSBDB QFNCVLBBO 1 13 IBTJM NFSHFS QBEB UBOHHBM
FTFNCFS TFSUB QFOHVNVNBO 1 13 IBTJM NFSHFS
tanggal 27 Desember 2011. Setelah penggabungan usaha 113-1,BSVU,PUBIJOHHBTBBUJOJCFSLFNCBOHNFOKBEJ
1 satu kantor pusat, 7 tujuh kantor cabang dan 4 empat kantor kas.
Establishment
O
UIFBSVU3FHFODZFTUBCMJTIFEBmOBODJBMJOTUJUVUJPO with the name of District Credit Insitution Lembaga Perkreditan
Kecamatan - LPK based on the Decree of the Governor of 8FTU+BWBP4,POUIFTUBCMJTINFOUPGUIF
District Credit Institution LPK in West Java Province. On +VMZ
UIF -1, USBEJOH DPNQBOZ JO BSVU 3FHFODZ
TVCTFRVFOUMZ DIBOHFE JUT TUBUVT UP 3VSBM BOL 5SBEJOH PNQBOZJTUSJDUSFEJUOTUJUVUJPO 113-1,
CBTFEPOUIF
FDSFFPGUIF.JOJTUSZPGJOBODFPGUIF3FQVCMJDPGOEPOFTJB
The West Java Provincial Government has issued several QPMJDJFT SFMBUFE UP UIF EFWFMPQNFOU PG 3VSBM BOL 5SBEJOH
PNQBOZ 113
XIJDIKPJOUMZCFMPOHTUPUIFHPWFSONFOU PG 8FTU +BWB BOE BOUFO
UIF HPWFSONFOU PG UIF 3FHFODZ
and PT Bank Pembangunan Daerah Jawa Barat, Tbk, XJUI UIF JTTVBODF PG 3FHVMBUJPO P :FBS PO UIF
NFOENFOUPG3FHVMBUJPOP:FBSPO113BOE PD. The regulation among others regulates merger through
DPOTPMJEBUJPOPSNFSHFSPG113JOFBDIPGUIFEJTUSJDUUP POF
113
5IF FDSFF PG UIF FQVUZ PWFSOPS PG BOL OEPOFTJB P ,1Q EBUFE 0DUPCFS
TVCNJUUFE CZ
BOEVOH UISPVHI UIF MFUUFS P ,6E Bd dated October 17, 2011 released the granting of Merger
QFSNJUPGUIF113-1,JOBSVU3FHFODZ BSVU,PUB 4VLBXFOJOH
BZPOHCPOH
JLBKBOH
BOKBSXBOHJ
JCBMPOH
BOE-FVXJHPPOH
JOUP113-1,BSVU,PUB113-1, Garut Kota has been operating since December 27, 2011,
upon the closing of the balance sheet and the formulation of BOPQFOJOHCBMBODFTIFFUPGUIF113NFSHFEJOFDFNCFS
BOE UIF BOOPVODFNFOU PG UIF SFTVMU PG 1 13 merger in December 27, 2011. After the merger until now, PD
13-1,BSVU,PUBIBTEFWFMPQFEJOUP POF
IFBEPGmDF seven branches and 4 four treasuries.
PD BPR LPK GARUT KOTA
PD BPR LPK GARUT KOTA PD BPR LPK GARUT KOTA
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
185
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb
Annual Report 2014
185
bank bjb Annual Report
2014
Kegiatan Usaha
4FTVBJ EFOHBO 66 P UFOUBOH 1FSCBOLBO TFCBHBJNBOBUFMBIEJVCBIEFOHBO66PBMBN66
UFSTFCVU TFDBSB UFHBT EJTFCVULBO CBIXB 13 BEBMBI BOL ZBOHNFMBLTBOBLBOLFHJBUBOVTBIBTFDBSBLPOWFOTJPOBMBUBV
CFSEBTBSLBO QSJOTJQ TZBSJBI ZBOH EBMBN LFHJBUBOOZB UJEBL NFNCFSJLBO KBTB EBMBN MBMV MJOUBT QFNCBZBSBO ,FHJBUBO
VTBIB 13 UFSVUBNB EJUVKVLBO VOUVL NFMBZBOJ VTBIBVTBIB LFDJM EBO NBTZBSBLBU EJ EBFSBI QFEFTBBO FOUVL IVLVN
13EBQBUCFSVQB1FSTFSPBO5FSCBUBT
1FSVTBIBBOBFSBI
atau Koperasi.
Pengurus PD BPR LPK Garut Kota
JSFLTJEBOFXBO1FOHBXBT1FSJPEF13BSVU,PUB
DireksiBoard of Directors JabatanPosition
NamaName
Direktur Utama President Director
Drs. Aam Muhamad, MM Direktur
Director Dani hadian, ST, MM
Dewan PengawasSupervisory Board JabatanPosition
NamaName
Ketua Chairman
Tedi Kusnadi, SE, MM Anggota
Member
STFEJ4VUBSEJBUBNJIBSKB
Kinerja
t TFU113-1,BSVU,PUBQBEBCVMBOFTFNCFS NFOJOHLBU TFCFTBS 3Q KVUB BUBV TFCFTBS
dibandingkan setahun lalu Desember 2013 sebesar 3Q KVUB NFOKBEJ 3Q KVUB EJ FTFNCFS
2014. • Peningkatan tersebut terutama dipengaruhi oleh
NFOJOHLBUOZB QJOKBNBO ZBOH EJUFSJNB EBO QFOJOHLBUBO DPK
t 1JOKBNBOZBOHJUFSJNBQPTJTJFTFNCFSNFOHBMBNJ QFOJOHLBUBO TFCFTBS 3Q KVUB BUBV
EBSJ FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ 3QKVUBEJCVMBOFTFNCFS
• Dana Tabungan posisi Desember 2014 tumbuh sebesar 3Q KVUB BUBV TFCFTBS
EJCBOEJOHLBO
EFOHBOFTFNCFSTFCFTBS3QKVUBNFOKBEJ 3QKVUB
• Dana Deposito posisi Desember 2014 meningkat sebesar 3QKVUBBUBVUVNCVITFCFTBS
EJCBOEJOHLBO
EFOHBOFTFNCFSTFCFTBS3QKVUBNFOKBEJ TFCFTBS3QKVUB
Business Activities
O BDDPSEBODF UP DU P PO BOLJOH BT BNFOEFE CZ-BXP
UIFMBXFYQMJDJUMZNFOUJPOFEUIBU3VSBM
BOL 13
JT B BOL DPOEVDUJOH DPOWFOUJPOBM CVTJOFTT PSCBTFEPOTIBSJBQSJODJQMFTJOXIJDIXJUIJOJUTBDUJWJUZUIF
BOL EPFT OPU QSPWJEF TFSWJDFT JO QBZNFOU USBOTBDUJPOT 13CVTJOFTTBDUJWJUJFTBSFQSJNBSJMZJOUFOEFEUPTFSWFTNBMM
businesses and the communities in rural areas. The legal form PG13JTB-JNJUFE-JBCJMJUZPNQBOZ
3FHJPOBMPNQBOZ
PS
Cooperative.
The Management of PD BPR LPK Garut City
5IFPBSEPGJSFDUPSTBOEUIF4VQFSWJTPSZPBSEPG13BSVU,PUB
Performance
t 5IFBTTFUTPG113-1,BSVU,PUBJOFDFNCFS JODSFBTFE CZ 3Q
NJMMJPO PS BOE CFDBNF
3Q
NJMMJPO DPNQBSFE UP 3Q
NJMMJPO JO December 2013.
t 5IF JODSFBTF XBT NBJOMZ JOnVFODFE CZ UIF JODSFBTF JO MPBOTBOEUIFJODSFBTFJOUIJSEQBSUZGVOET
t -PBOT BT PG FDFNCFS JODSFBTFE CZ 3Q NJMMJPO PS BOE CFDBNF 3Q
NJMMJPO GSPN
3Q
NJMMJPOJOFDFNCFS t 4BWJOHT BT PG FDFNCFS HSFX CZ 3Q
NJMMJPO
PS BOE CFDBNF 3Q
NJMMJPO DPNQBSFE UP 3Q
NJMMJPOFDFNCFS
t 5JNF FQPTJUT BT PG FDFNCFS JODSFBTFE CZ 3Q
NJMMJPO
BO JODSFBTF PG BOE CFDBNF
3Q
NJMMJPODPNQBSFEUPUIFOVNCFSJOFDFNCFS XIJDIBNPVOUFEUP3Q
NJMMJPO
PD BPR LPK GARUT KOTA
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
Consolidated Financial Statements Corporate Data
186
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb
Laporan Tahunan 2014
186
t BSJ TJTJ QFOZBMVSBO EBOB
,SFEJU UVNCVI TFCFTBS 3Q KVUB BUBV TFCFTBS
EJCBOEJOHLBO
EFOHBO QPTJTJ FTFNCFS TFCFTBS 3Q KVUB NFOKBEJTFCFTBS3QKVUB
TFEBOHLBOOUBSBOL
Aktiva pada bulan Desember 2014 meningkat sebesar 3QKVUB
BUBVUVNCVITFCFTBS
EJCBOEJOHLBO
dengan bulan Desember 2013.
Perkembangan Ekuitas
LVJUBT QBEB FTFNCFS NFODBQBJ 3Q KVUB atau meningkat 20,08 dibandingkan posisi Desember 2013.
1FOJOHLBUBOJOJUFSVUBNBEJQFOHBSVIJPMFIBEBOZBUBNCBIBO TFUPSBONPEBMEBSJQFNFHBOHTBIBN
ZBJUV1FNQSPW+BXB
BSBUEBO1FNLBCBSVUTFCFTBS3QKVUBTFSUBUFSEBQBU MBCBZBOHEJCVLVLBOPMFI113-1,BSVU,PUBQBEBBLIJS
UBIVOTFCFTBS3QKVUB
Laba Tahun Berjalan
Laba Tahun Berjalan bulan Desember 2014 adalah sebesar 3QKVUB1FSUVNCVIBOMBCBUFSTFCVUUFSVUBNBEJUPQBOH
PMFI QFOJOHLBUBO QFOEBQBUBO CVOHB TFCFTBS 3Q KVUB BUBV
EBSJ FTFNCFS TFCFTBS 3Q KVUB
NFOKBEJ3QKVUBEJFTFNCFS
Rasio-Rasio Keuangan
t 3BTJP313BSVU,PUBQBEBCVMBOFTFNCFS mengalami penurunan dari Desember 2013 sebesar
22,17 menjadi 20,12 di Desember 2014. •
Cash Ratio 3
QPTJTJ FTFNCFS BEBMBI TFCFTBS
33,05. t 3BTJP-3113-1,BSVU,PUBCVMBOFTFNCFS
NFOHBMBNJ QFOJOHLBUBO TFCFTBS
EBSJ FTFNCFS TFCFTBS
NFOKBEJ
ZBOHEJTFCBCLBO
PMFI QFOJOHLBUBO BOB ZBOH MFCJI UJOHHJ EJCBOEJOHLBO dengan peningkatan Kredit, dimana Dana meningkat
TFCFTBS 3Q KVUB TFEBOHLBO ,SFEJU NFOJOHLBU TFCFTBS3QKVUB
• Kualitas aset produktif KAP per 31 Desember 2014 PD 13-1,BSVU,PUBBEBMBITFCFTBS
t 3BTJP1-QPTJTJFTFNCFSNFOHBMBNJQFOVSVOBO LVBMJUBT TFCFTBS
EBSJ CVMBO FTFNCFS
TFCFTBS
NFOKBEJTFCFTBS
4FJSJOHEFOHBO QFOJOHLBUBO SBTJP 1-
SBTJP 111 NFOJOHLBU EBSJ
FTFNCFS TFCFTBS
NFOKBEJ
EJ
Desember 2014. t O UFSNT PG UIF EJTUSJCVUJPO PG GVOET
DSFEJU HSFX CZ
3Q
NJMMJPO PS BOE CFDBNF 3Q million compared to the position in December 2013 which
BNPVOUFEUP3Q
NJMMJPO
NFBOXIJMFUIFJOUFSCBOL BTTFUTJOFDFNCFSJODSFBTFECZ3Q
NJMMJPO
PS
HSFXCZDPNQBSFEUPOVNCFSJOFDFNCFS
Development of Equity
RVJUZBTPGFDFNCFS
BNPVOUFEUP3Q
NJMMJPO an increase of 20.08 compared to December 2013. The
JODSFBTFXBTNBJOMZJOnVFODFECZUIFQSFTFODFPGBEEJUJPOBM DBQJUBMDPOUSJCVUFECZTIBSFIPMEFST
OBNFMZUIFHPWFSONFOU
PG8FTU+BWB1SPWJODFBOEUIFHPWFSONFOUPGBSVU3FHFODZ BNPVOUFE3Q
NJMMJPOBOEFBSOJOHTQPTUFECZ113
LPK Garut Kota as of the end of 2014 which amounted to 3Q
NJMMJPO
XUUHQWHDU3URÀW
VSSFOU :FBS 1SPmU BT PG FDFNCFS BNPVOUFE UP 3Q
NJMMJPO5IFQSPmUHSPXUIXBTNBJOMZTVQQPSUFECZ
UIFJODSFBTFJOJOUFSFTUJODPNFPG3Q
NJMMJPOPS GSPN3Q
NJMMJPOJOFDFNCFSUP3Q
NJMMJPO
in December 2014.
Financial Ratios
t 13BSVU,PUBT3BTPGFDFNCFSEFDSFBTFE from 22.17 in December 2013 to 20.12 in December
2014. t BTI 3BUJP 3
BT PG FDFNCFS BNPVOUFE UP
33.05. t 1 13 -1, BSVU ,PUBT -3 BT PG FDFNCFS
JODSFBTFE CZ GSPN JO FDFNCFS UP JOFDFNCFSEVFUPUIFIJHIFSJODSFBTFJO
funds compared to the increase in loans, where funds JODSFBTFECZ3Q
NJMMJPOXIJMFMPBOTPOMZJODSFBTFE
CZ3Q
NJMMJPO t 113-1,BSVU,PUBTQSPEVDUJWFBTTFUTRVBMJUZ ,1
as of December 31, 2014 amounted to 3.08. t 5IFRVBMJUZPG1-SBUJPBTPGFDFNCFSEFDSFBTFE
CZGSPNJOFDFNCFSUPMPOH XJUIUIFJODSFBTFJO1-SBUJP
111SBUJPJODSFBTFEGSPN
JOFDFNCFSUPJOFDFNCFS
PD BPR LPK GARUT KOTA
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
187
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb
Annual Report 2014
187
t 3BTJP 30 EJ CVMBO FTFNCFS NFOHBMBNJ penurunan sebesar 0,3 dibandingkan dengan bulan
FTFNCFSEBSJTFCFTBS
NFOKBEJ
ZBOH dipengaruhi oleh peningkatan rasio BOPO dari sebesar
NFOKBEJ
ZBOH EJEPNJOBTJ PMFI CFCBO CVOHB EJJLVUJ EFOHBO CFCBO QFOZVTVUBOQFOHIBQVTBO
ZBOH NBTJOHNBTJOH NFOHBMBNJ QFOJOHLBUBO TFCFTBS 3QKVUBEBO3QKVUB
t 30JOFDFNCFSEFDSFBTFECZOBNFMZGSPN UPXIJDIXBTJOnVFODFECZUIFJODSFBTFJO
operating expense to operating revenue ratio from 84.32 UP XIJDI XBT EPNJOBUFE CZ JOUFSFTU FYQFOTFT
BOE GPMMPXFE CZ EFQSFDJBUJPOXSJUFPGG FYQFOTFT XIJDI SFTQFDUJWFMZ JODSFBTFE CZ 3Q
NJMMJPO BOE 3Q
million.
PD BPR LPK GARUT KOTA
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
Consolidated Financial Statements Corporate Data
188
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb
Laporan Tahunan 2014
188
Pendirian
1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBU-1,+BMBODBHBL didirikan berdasarkan Surat Keputusan Bupati kepala daerah
UJOHLBU 4VCBOH P 451QF4, UBOHHBM 4FQUFNCFS EFOHBO OBNB 1 BEBO 1FSLSFEJUBO
Pasar Jalancagak. Berdasarkan Surat Keputusan Bupati ,FQBMBBFSBI5JOHLBU4VCBOHP1UBOHHBM
4FQUFNCFSEJVCBINFOKBEJ1FSVTBIBBOBFSBIBOL 1FSLSFEJUBO3BLZBU-1,+BMBODBHBL
,FHJBUBOVTBIB1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBU LPK Jalancagak telah memperoleh izin dari Departemen
,FVBOHBO 3FQVCMJL OEPOFTJB NFMBMVJ 4VSBU ,FQVUVTBO .FOUFSJ ,FVBOHBO P ,1,. UBOHHBM
FCSVBSJTFSUBEBSJBOLOEPOFTJB
EFOHBOTVSBUP 613E3EUBOHHBMQSJM
Dengan Izin Prinsip berdasarkan Keputusan Deputi Gubernur BOLOEPOFTJBP,1QUBOHHBMHVTUVT
2011 tentang Pemberian Izin Penggabungan Usaha Merger 1 13 -1, JTBMBL
1 13 -1, 1BHBEFO
1 13 -1,
1VSXBEBEJEBO113-1,1BNBOVLBOLFEBMBN113 LPK Jalancagak.
Penggabungan usaha merger
113-1,+-, UFSIJUVOHUBOHHBM4FQUFNCFSBEBMBIZBOHQFSUBNBEJ
Jawa Barat dan telah dicatat dalam administrasi pengawasan BOL OEPOFTJB CFSEBTBSLBO 4VSBU BOL OEPOFTJB PNPS
,6EEUFOUBOH1FMBLTBOBBO.FSHFS113 LPK Jalancagak.
Pada tahun 2012, bank bjb
UFMBINFOHBLVJTJTJ113-1, Jalancagak sesuai dengan Surat Keputusan Bank Indonesia
P,1EUBOHHBM4FQUFNCFS
Establishment
1 13 -1, +BMBODBHBL XBT FTUBCMJTIFE CBTFE PO UIF FDSFF PG UIF 3FHFOU PG 4VCBOH P 451QF
4,EBUFE4FQUFNCFS
XJUIUIFOBNF1131BTBS +BMBODBHBLBTFEPOUIFFDSFFPGUIF3FHFOUPG4VCBOH
P1EBUFE4FQUFNCFS
UIFPNQBOZXBT DIBOHFEJOUP113-1,+BMBODBHBL
5IFCVTJOFTTBDUJWJUJFTPG113-1,+BMBODBHBLPCUBJOFE QFSNJTTJPO GSPN UIF .JOJTUSZ PG JOBODF PG UIF 3FQVCMJD PG
OEPOFTJBUISPVHIUIFFDSFFPGUIF.JOJTUFSPGJOBODFP ,1,.EBUFEFCSVBSZ
BOEGSPNBOL
OEPOFTJBUISPVHIMFUUFSP613E3EEBUFEQSJM
8JUI 1SJODJQMF 1FSNJU CBTFE PO UIF FDSFF PG UIF FQVUZ PWFSOPS PG BOL OEPOFTJB P ,1Q EBUFE
VHVTU
POUIF3FMFBTFPG1FSNJUGPSUIFNFSHFSPG 1 13 -1, JTBMBL
1 13 -1, 1BHBEFO
1 13 -1,
1VSXBEBEJ BOE 1 13 -1, 1BNBOVLBO JOUP 1 13 -1,
Jalancagak. 5IFNFSHFSPG13-1,+BMBODBHBLDPNNFODJOH4FQUFNCFS
XBTUIFmSTUUPCFDPOEVDUFEJO8FTU+BWBBOEIBT been recorded in Bank Indonesia’s supervision administration
CBTFE PO BOL OEPOFTJB -FUUFS P ,6EE POUIFJNQMFNFOUBUJPOPGNFSHFSPG113-1,+BMBODBHBL
In 2012, bank bjb
IBTBDRVJSFE113-1,+BMBODBHBLJO BDDPSEBODFXJUIUIFFDSFFPGBOLOEPOFTJBP,1
GBIBd2012 dated September 28, 2012.
PD BPR LPK JALANCAGAK
PD BPR LPK JALANCAGAK
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
189
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb
Annual Report 2014
189
bank bjb Annual Report
2014
Pengurus PD BPR LPK Jalancagak
JSFLTJEBOFXBO1FOHBXBT1FSJPEF13-1,+BMBODBHBL
DireksiBoard of Directors Jabatan
NamaName
Direktur Utama President Director
ST0NBO4VOBOEBS
Direktur Director
ST.BNBO4VLJSNBO
.1
Dewan PengawasSupervisory Board Jabatan
NamaName
Ketua Chairman
Drs. Sarpan Sujana Anggota
Member
FUUZ+VJUBOJOHSVN
41
Kinerja
JOHHB FTFNCFS
BTFU 1 13 -1, +BMBODBHBL NFOJOHLBU
EJCBOEJOHLBO QFSJPEF ZBOH TBNB
UBIVO TFCFMVNOZB BSJ 3Q KVUB NFOKBEJ TFCFTBS 3QKVUB
Perkembangan penghimpunan Dana Pihak Ketiga DPK BEBMBITFCBHBJCFSJLVU
t 1, ZBOH CFSBTBM EBSJ QSPEVL 5BCVOHBO EBO FQPTJUP NFOJOHLBU TFCFTBS
BUBV 3Q KVUB ZBJUV EBSJ
3Q KVUB QBEB FTFNCFS NFOKBEJ 3Q juta pada 31 Desember 2014.
t 1SPEVL5BCVOHBONFOJOHLBU3QKVUBBUBV
EBSJ 3QKVUBEJFTFNCFSNFOKBEJ3QKVUB
pada Desember 2014. t 1SPEVL FQPTJUP NFOJOHLBU TFCFTBS 3Q KVUB BUBV
EBSJ TFCFTBS 3Q KVUB EJ FTFNCFS NFOKBEJ3QKVUBEJFTFNCFS
Perkembangan Ekuitas Modal
Ekuitas terdiri dari modal disetor dan saldo laba pada 31 FTFNCFS TFCFTBS 3Q KVUB BUBV NFOJOHLBU
EJCBOEJOHLBO QPTJTJ QBEB FTFNCFS 1FOJOHLBUBOJOJUFSVUBNBEJTFCBCLBOPMFIBEBOZBUBNCBIBO
modal disetor oleh Pemerintah Provinsi Jawa Barat sebesar 3QKVUBQBEBFTFNCFS
Pendapatan, Beban, dan Laba
Selama periode tahun buku 2014, pertumbuhan pendapatan, CFCBO EBO MBCB 1 13 -1, +BMBODBHBL BEBMBI TFCBHBJ
CFSJLVU t 1FOEBQBUBO PQFSBTJPOBM 1 13 -1, +BMBODBHBL
TFCFTBS3QKVUB
EJNBOBKVNMBIUFSTFCVUCFSBTBM EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q KVUB EBO
Management of PD BPR LPK Jalancagak
PBSEPGJSFDUPSTBOE4VQFSWJTPSZPBSEPG13-1,+BMBODBHBLJOUIF
Period of 2014-2015
Performance
6OUJMFDFNCFS
UIFBTTFUTPG113-1,+BMBODBHBL JODSFBTFE DPNQBSFE UP UIF TBNF QFSJPE JO UIF
QSFWJPVTZFBS
OBNFMZGSPN3Q
NJMMJPOUP3Q million.
5IFEFWFMPQNFOUPGUIJSEQBSUZGVOET 51
JTBTGPMMPXT • TPK derived from Savings and Deposits products
JODSFBTFE CZ PS 3Q
NJMMJPO
GSPN 3Q NJMMJPOJOFDFNCFSUP3Q
NJMMJPOJOFDFNCFS
31, 2014. t 4BWJOHT JODSFBTFE CZ 3Q NJMMJPO PS GSPN
3Q
NJMMJPOJOFDFNCFSUP3Q
NJMMJPOJO December 2014.
t FQPTJUT JODSFBTFE CZ 3Q
NJMMJPO PS GSPN 3Q
NJMMJPOJOFDFNCFSUP3Q
NJMMJPOJO
December 2014.
Development of Equity Capital
RVJUZ DPOTJTUT PG QBJEJO DBQJUBM BOE SFUBJOFE FBSOJOHT BU FDFNCFS
BNPVOUFE UP 3Q NJMMJPO
BO
JODSFBTF PG DPNQBSFE UP UIF QPTJUJPO JO FDFNCFS 5IF JODSFBTF XBT QSJNBSJMZ EVF UP BEEJUJPOBM QBJEJO
DBQJUBMCZUIFPWFSONFOUPG8FTU+BWB1SPWJODFPG3Q
million at December 31, 2014.
5HYHQXH[SHQVHDQG3URÀW
VSJOH UIF QFSJPE PG UIF mTDBM ZFBS
UIF HSPXUI PG SFWFOVF
FYQFOTFBOEQSPmUPG113-1,+BMBODBHBLJTBT
GPMMPXT t 0QFSBUJOHJODPNFPG113-1,+BMBODBHBLBNPVOUFE
UP3Q
NJMMJPO
JOXIJDIUIFBNPVOUXBTEFSJWFEGSPN the income from the distribution of funds with the amount of
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
Consolidated Financial Statements Corporate Data
190
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bank bjb Laporan Tahunan
2014
190
TJTBOZB3QKVUBCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBM MBJOOZB
t FCBO PQFSBTJPOBM 1 13 -1, +BMBODBHBL 3Q KVUBUFSEJSJEBSJCFCBOUFOBHBLFSKB3QKVUB
CFCBO
CVOHB 3Q KVUB
CFCBO BENJOJTUSBTJ EBO VNVN 3Q KVUB
CFCBO QFOZJTJIBO LFSVHJBO BTFU QSPEVLUJG
CFSTJI 3Q KVUB EBO TJTBOZB CFSVQB CFCBO MBJOOZB TFCFTBS3QKVUB
t -BCB CFSTJI 1 13 -1, +BMBODBHBL QBEB FTFNCFS TFCFTBS3QKVUB
Rasio-Rasio Keuangan
3BTJP QFSNPEBMBO 3
1 13 -1, +BMBODBHBL QBEB FTFNCFS TFCFTBS
NFOHBMBNJ QFOJOHLBUBO
EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB
ZBOH CFSBEBEJQPTJTJ
3BTJPSFOUBCJMJUBT
- Imbal hasil Aset Return On Asset
30
TFCFTBS QBEBFTFNCFS
EJCBOEJOHLBO
QBEB
Desember 2013. NCBM BTJM LVJUBT
Return On Equity 30
TFCFTBS
QBEBFTFNCFSEJCBOEJOHLBO
QBEB Desember 2013.
1FOVSVOBO30EBO30EJTFCBCLBOPMFIQFSPMFIBOMBCB ZBOHMFCJISFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBTFSUB
SBTJP010ZBOHNFOHBMBNJQFOJOHLBUBOEJCBOEJOHLBO EFOHBOUBIVOTFCFMVNOZB
- FU OUFSFTU .BSHJO .
QBEB UBIVO TFCFTBS
NFOHBMBNJQFOVSVOBOEJCBOEJOHLBOQPTJTJQBEB Desember 2013 sebesar 13,31.
- Beban Operasional terhadap Pendapatan Operasional 010
TFCFTBS
.FOHBMBNJ QFOJOHLBUBO
dibandingkan posisi pada Desember 2013 sebesar 1FSFTFNCFS
-POHFQPTJU3BUJP-3
apabila dibandingkan dengan Desember 2013 sebesar ,POEJTJ UFSTFCVU EJTFCBCLBO QFOJOHLBUBO 1,
ZBOHMFCJIUJOHHJEJCBOEJOHLBOQFOJOHLBUBOLSFEJUZBOH EJCFSJLBO
EJNBOB 1, NFOJOHLBU TFCFTBS
TFEBOHLBO LSFEJU ZBOH EJCFSJLBO IBOZB NFOJOHLBU
sebesar 13,14. -
Kualitas aset produktif KAP per 31 Desember 2014 PD 13-1,+BMBODBHBLBEBMBITFCFTBS
1- QFS FTFNCFS 1 13 -1, +BMBODBHBL adalah sebesar 3,87.
3Q
NJMMJPOBOE3Q
NJMMJPOGSPNPUIFSPQFSBUJOH income.
t 0QFSBUJOHFYQFOTFTPG113-1,+BMBODBHBLBNPVOUFE UP3Q
NJMMJPOXIJDIDPOTJTUTPG3Q
NJMMJPOPG
MBCPSDPTU
3Q
NJMMJPOPGJOUFSFTUFYQFOTF
3Q NJMMJPOPGHFOFSBMBOEBENJOJTUSBUJWFFYQFOTFT
3Q
million of provision for net loss of productive assets and 3Q
NJMMJPOPGUIFPUIFSFYQFOTFT
t FUQSPmUPG113-1,+BMBODBHBLJOFDFNCFS BNPVOUFEUP3Q
NJMMJPO
Financial Ratios
BQJUBMBEFRVBDZSBUJP 3
PG113-1,+BMBODBHBLJO FDFNCFSBNPVOUFEUP
BOJODSFBTFDPNQBSFE
UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIJDI XBT JO UIF QPTJUJPOPG
1SPmUBCJMJUZSBUJPT 3FUVSO 0O TTFUT 30
PG JO FDFNCFS
DPNQBSFEUPJOFDFNCFS 3FUVSO PO RVJUZ 30
PG JO FDFNCFS
compared to 17.07 in December 2013. 5IFEFDMJOFJO30BOE30XFSFDBVTFECZUIFMPXFS
QSPmUSFDFJWFEDPNQBSFEUPUIFQSPmUJOUIFQSFWJPVTZFBS BOE010SBUJPJODSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS
FUOUFSFTU.BSHJO .
JOBNPVOUFEUP a decrease compared to the position in December 2013
which amounted 13.31. - Operating Expenses to Operating Income BOPO
XBT
BO JODSFBTF DPNQBSFE UP UIF QPTJUJPO JO FDFNCFSXIJDIBNPVOUFEUP
TPGFDFNCFS
-POHFQPTJU3BUJPBNPVOUFE UPDPNQBSFEUPJOFDFNCFS5IF
DPOEJUJPOXBTDBVTFECZUIFIJHIFSJODSFBTFJOEFQPTJUT compared to the increase in loans, where deposits
JODSFBTFE CZ XIJMF MPBOT POMZ JODSFBTFE CZ 13.14.
TPGFDFNCFS
UIFRVBMJUZPGQSPEVDUJWFBTTFUT ,1
PG113-1,+BMBODBHBLBNPVOUFEUP
T PG FDFNCFS
UIF 1- PG 1 13 -1, Jalancagak amounted to 3.87.
PD BPR LPK JALANCAGAK
Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Laporan Keuangan Konsolidasian Data Perusahaan
191
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
bank bjb Annual Report
2014
191
bank bjb Syariah
- Kerja sama
Host to Host untuk meningkatkan brand image perusahaan, memperluas jaringan kantor, serta
FmTJFOTJCJBZBLIVTVTOZBUSBOTBLTJNFMBMVJ5.EFOHBO menggunakan jaringan
host to host core banking system antara bank
bjb dengan bank bjb
4ZBSJBI 1FOJOHLBUBO TFUPSBO NPEBM ZBOH EJMBLVLBO VOUVL
memperkuat struktur permodalan modal inti bank bjb
4ZBSJBIBHBSNBTVLLFEBMBN6,6 EVB
UFSLBJUEFOHBO BEBOZB QFNCBUBTBO LFHJBUBO VTBIB EBO QFSMVBTBO
jaringan berdasarkan Peraturan Bank Indonesia nomor 1 QFSJIBM ,FHJBUBO 6TBIB EBO +BSJOHBO
Kantor Berdasarkan Modal Inti Bank.
PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak
- Perubahan bentuk badan hukum Perusahaan Daerah PD
NFOKBEJ1FSTFSPBO5FSCBUBT 15
TFTVBJEFOHBO13 PNPS5BIVOUFOUBOH1FSVCBIBOFOUVLVLVN
1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBUBTJM.FSHFS di Kabupaten Garut, Kabupaten Subang, Kabupaten
JBOKVS EBO ,BCVQBUFO 5BTJLNBMBZB NFOKBEJ 1FSTFSPBO 5FSCBUBTZBOHEJMBLVLBOVOUVLNFNQFSMVBTXJMBZBIEBO
QSPEVLVTBIB13EBONFOJOHLBULBOEBZBTBJOHEFOHBO perbankan konvensional.
- Kerja sama
Host to Host VOUVLNFOJOHLBULBOQFMBZBOBO
dan keunggulan produk melalui fasilitas ATM kepada OBTBCBI 13
FmTJFOTJ CJBZB TFSUB NFNQFSLVBU
brand image
13 EBO CBOL
bjb sebagai satu kesatuan
LIVTVTOZBCBHJ13 NFOJOHLBULBOOJMBJKVBM13 -
Pemenuhan kewajiban setoran modal untuk memperkuat permodalan perusahaan dan mewujudkan industri
13 ZBOH TFIBU LVBU
QSPEVLUJG
EBO EJQFSDBZB HVOB mendukung pertumbuhan perekonomian daerah, serta
NFODJQUBLBO LPOEJTJ ZBOH LPOEVTJG VOUVL NFOEPSPOH QFOJOHLBUBOLJOFSKB13
3HUXVDKDDQ ÀOLDVL 37 VXUDQVL DQJXQ VNULGD GDQ BPR
- Meningkatkan tambahan setoran modal kepada PT Asuransi Bangun Askrida
.FMBLVLBO NFSHFS BOUBSB 13 QFS ,BCVQBUFO EFOHBO kepemilikan saham bank
bjb minimal 51 dan diutamakan
VOUVL13ZBOHTFIBUEBOCFSLJOFSKBCBJL - Merubah bentuk badan hukum dari Perusahaan Daerah
PD menjadi Perseroan Terbatas PT setelah merger.
bank bjb Sharia
PTU UP PTU DPPQFSBUJPO UP JNQSPWF UIF PNQBOZT CSBOEJNBHF
FYQBOEUIFPGmDFOFUXPSL
BTXFMMBTDPTU
FGmDJFODZ FTQFDJBMMZ 5. USBOTBDUJPOT VTJOH UIF IPTU UP IPTUDPSFCBOLJOHTZTUFNOFUXPSLCFUXFFOCBOL
bjb and
bank bjb Sharia.
- Increase paid-up capital to strengthen the capital structure
core capital of bank bjb Sharia so as to enter BOOK 2
two related to the restrictions on business activities and FYQBOTJPOPGOFUXPSLCBTFEPOBOLOEPOFTJB3FHVMBUJPO
P 1 SFHBSEJOH VTJOFTT DUJWJUJFT BOE 0GmDFFUXPSLBTFEPOUIFBOLTPSFBQJUBM
PD BPR LPK Garut Kota and PD BPR LPK Jalancagak
5IFDPOWFSTJPOPGUIFMFHBMGPSNPGFOUJUZGSPN3FHJPOBM PNQBOZ 1
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