Education and Training KOMPONEN MODAL COMPONENTS OF CAPITAL

302 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO

2. Pendidikan dan Pelatihan

4FMBNB UBIVO JWJTJ 5FLOPMPHJ OGPSNBTJ CBOL bjb UFMBI NFOHJLVUJ QFMBUJIBO EBO QFOEJEJLBO UFSLBJU CJEBOH UFLOPMPHJJOGPSNBTJCBJLJUVZBOHEJTFMFOHHBSBLBO inhouse training NBVQVOEJMVBSCBOL bjb CFSJLVUEBUBQFOEJEJLBO EBO QFMBUJIBO ZBOH UFMBI EJJLVUJ PMFI 4. 5FLOPMPHJ OGPSNBTJCBOL bjb No. JabatanPosition PelatihanTraining Tempat Location 1FNJNQJOSVQFBE0GmDFQQMJDBUJPO PX5PSFBUF-4.,8JUI93- +BLBSUB 1FNJNQJOSVQFBE0GmDFQQMJDBUJPO .BOBKFNFO3JTJLPOHLBUBO BOEVOH 1FNJNQJOSVQFBE0GmDFQQMJDBUJPO .BOBHJOH53JTL +BLBSUB 1FNJNQJOSVQFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQ-JBTPO1SPKFDU.BOBHFNFOU 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM +BLBSUB 1FNJNQJOSVQ-JBTPO1SPKFDU.BOBHFNFOU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM BOEVOH 7 1FNJNQJOSVQ-JBTPO1SPKFDU.BOBHFNFOU -FBEFSTIJQ.BOBHJOH1FPQMF BOEVOH 1FNJNQJOSVQ-JBTPO1SPKFDU.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS2VBMJUZTTVSBODF 1FMBUJIBO.BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFS2VBMJUZTTVSBODF 5SBJOJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 0GmDFS2VBMJUZTTVSBODF 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS2VBMJUZTTVSBODF 1FMBUJIBO3QHW1SPHSBNNJOHSPNBTJD5PEWBODF 8PSLTIPQ +BLBSUB +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 1FOHFOBMBOBO1FOHFNCBOHBO5. +BLBSUB +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 1FMBUJIBONQMFNFOUJOH42-4FSWFSBUB8BSFIPVTF BOEVOH +VOJPS4UBGGFUXPSL4FDVSJUZOHJOFFS 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFSBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 1FMBUJIBO3QHW1SPHSBNNJOHSPNBTJD5PEWBODF 8PSLTIPQ +BLBSUB +VOJPS4UBG4FDVSJUZENJO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFSSD 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 1FMBUJIBOBMPO1FHBXBJCBOL bjb OHLBUBO5BIVO BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU IBSBDUFSVJMEJOH4FNJ.JMJUFSOHLBUBO BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH .BOBHFS1SPKFDU.BOBHFNFOU 16115 BOEVOH .BOBHFS1SPKFDU.BOBHFNFOU FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS BOEVOH .BOBHFS1SPKFDU.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 4FOJPS0GmDFSFMQEFTL .BTUFSJOH51SPKFDU.BOBHFNFOUBTFE0O1NCPL +BLBSUB 4FOJPS0GmDFSFMQEFTL 4FSWJDF-FBEFSTIJQ BOEVOH

2. Education and Training

VSJOH UIFOGPSNBUJPO5FDIOPMPHZJWJTJPOPGCBOL bjb IBT QBSUJDJQBUFE JO USBJOJOH BOE FEVDBUJPO SFMBUFE UP UIF mFME PG JOGPSNBUJPO UFDIOPMPHZ CPUI PSHBOJ[FE JO IPVTFBOEPVUTJEFUIFCBOL bjb UIFGPMMPXJOHEBUBJTUIF FEVDBUJPOBOEUSBJOJOHUIBUIBTCFFOQBSUJDJQBUFECZUIF 3PGOGPSNBUJPO5FDIOPMPHZPGCBOLCKC TEKNOLOGI INFORMASI 303 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. JabatanPosition PelatihanTraining Tempat Location 4FOJPS0GmDFSFMQEFTL .BOBHJOH53JTL +BLBSUB 4FOJPS0GmDFSFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQ4ZTUFNFUXPSL.BOBHFNFOU 1FMBUJIBOPSQPSBUFVEHFUJOH +BLBSUB 1FNJNQJOSVQ4ZTUFNFUXPSL.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM .BTUFSJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 40 +BLBSUB 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 1FOHFOBMBOBO1FOHFNCBOHBO5. +BLBSUB 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQPSFBOLJOHQQMJDBUJPO 51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 1FNJNQJOSVQPSFBOLJOHQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQPSFBOLJOHQQMJDBUJPO 1FMBUJIBOFSUJmFEOGPSNBUJPO4ZTUFNVEJUPS BOEVOH 1FNJNQJOSVQFMQFTL0QFSBUJPO GGFDUJWF1SFTFOUBUJPO4LJMM BOEVOH 1FNJNQJOSVQFMQFTL0QFSBUJPO 1FMBUJIBO4USBUFHJD.BOBHFNFOU BOEVOH 1FNJNQJOSVQFMQFTL0QFSBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 3171SPHSBNNJOHBTJD5PEWBODF +BLBSUB 0GmDFSBUBFOUFS3 1FMBUJIBO.BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFSBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 1FMBUJIBO.BOBHJOH53JTLo4FSJFT 3507 +BLBSUB +VOJPS4UBGGFMQEFTL IBSBDUFSVJMEJOHOHLBUBO BOEVOH +VOJPS4UBGENJOJTUSBTJ4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJ4XJUDIJOHOUFSDIBOOFM 1FMBUJIBO.PCJMFQQMJDBUJPOFWFMPQNFOUPSOESPJE BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 40 +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 3171SPHSBNNJOHBTJD5PEWBODF +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO IBOHFHFOU BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH .BOBHFS-JBJTPO 3FGSFTINFOU.BOBKFNFO3JTJLP +BLBSUB .BOBHFS-JBJTPO 0VUCPOEBCBOHTE BOEVOH .BOBHFS-JBJTPO 51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB .BOBHFS-JBJTPO 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO +BLBSUB .BOBHFS-JBJTPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFSFBE0GmDFQQMJDBUJPO 40 +BLBSUB 0GmDFS1SPHSBNNFSFBE0GmDFQQMJDBUJPO 1FOHFOBMBOBO1FOHFNCBOHBO5. +BLBSUB 0GmDFS1SPHSBNNFSFBE0GmDFQQMJDBUJPO 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO +BLBSUB 0GmDFS1SPHSBNNFSFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH .BOBHFS4ZTUFNOBMZTU4XJUDIJOHOUFSDIBOOFM 1SPCMFN4PMWJOHOEFDJTJPO.BLJOH BOEVOH .BOBHFS4ZTUFNOBMZTU4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH INFORMATION TECHNOLOGY 304 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. JabatanPosition PelatihanTraining Tempat Location 4UBG2VBMJUZTTVSBODF 0GmDFS1SPHSBNOHLBUBO BOEVOH 4UBG2VBMJUZTTVSBODF 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 4UBG2VBMJUZTTVSBODF 53JTL.BOBHFNFOU +BLBSUB 0GmDFS4FDVSJUZENJO 4USFTT.BOBHFNFOU BOEVOH 77 0GmDFS4FDVSJUZENJO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGG3ENJOJTUSBUJPO PDVNFOUBUJPO TTFU.BOBHFNFOU PDVNFOUPOUSPMJMMJOH4ZTUFN :PHZBLBSUB +VOJPS4UBGG3ENJOJTUSBUJPO PDVNFOUBUJPO TTFU.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQ4USBUFHJD1MBOOJOHPWFSOBODF 3FGSFTINFOU.BOBKFNFO3JTJLP +BLBSUB 1FNJNQJOSVQ4USBUFHJD1MBOOJOHPWFSOBODF 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FOHFOBMBO1FSCBOLBOBMPO1FHBXBJOHLBUBO BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO IBSBDUFSVJMEJOHOHLBUBO BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBUJPO PDVNFOUBUJPO TTFU .BOBHFNFOU4ZTUFNFUXPSL.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS4ZTUFNOHJOFFS PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFS4ZTUFNOHJOFFS 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS4ZTUFNOHJOFFS 1FMBUJIBONQMFNFOUJOH42-4FSWFSBUB8BSFIPVTF BOEVOH 0GmDFS4ZTUFNOHJOFFS 1FMBUJIBO5JNF.BOBHFNFOU BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS2VBMJUZTTVSBODF PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFS2VBMJUZTTVSBODF 51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 0GmDFS2VBMJUZTTVSBODF 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO PDVNFOUPOUSPMJMMJOH4ZTUFN :PHZBLBSUB +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO +BLBSUB +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOJWJTJ5FLOPMPHJOGPSNBTJ 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 4UBGENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 0GmDFS1SPHSBNOHLBUBO BOEVOH 4UBGENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 4UBGENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO +BLBSUB 4UBGENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FOHFOBMBO1FSCBOLBOBMPO1FHBXBJOHLBUBO BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO IBSBDUFSVJMEJOH4FNJ.JMJUFSOHLBUBO 1VTEJLUPQ +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO FWFMPQNFOU8FCQQMJDBUJPO6TJOH41OFU BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FMBUJIBO.PCJMFQQMJDBUJPOFWFMPQNFOUPSOESPJE BOEVOH 0GmDFSFMQEFTL 1FMBUJIBO.BOBKFNFO3JTJLPOHLBUBO BOEVOH TEKNOLOGI INFORMASI 305 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. JabatanPosition PelatihanTraining Tempat Location 0GmDFSFMQEFTL 5SBJOJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 0GmDFSFMQEFTL 1FOHBEBBOBSBOHBO+BTB51FSCBOLBO :PHZBLBSUB 0GmDFSFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 1FMBUJIBO.BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 1FMBUJIBO.BOBHJOHU3JTLo4FSJFT SD5HPW +BLBSUB 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 1FMBUJIBO.PCJMFQQMJDBUJPOFWFMPQNFOUPSOESPJE BOEVOH +VOJPS4UBG2VBMJUZTTVSBODF IBSBDUFSVJMEJOH4FNJ.JMJUFSOHLBUBO BOEVOH +VOJPS4UBG2VBMJUZTTVSBODF 1FMBUJIBOBMPO1FHBXBJCBOL bjb OHLBUBO5BIVO BOEVOH +VOJPS4UBG2VBMJUZTTVSBODF 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS4ZTUFNOHJOFFS 1FMBUJIBO.BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFS4ZTUFNOHJOFFS 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSFMQEFTL PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFSFMQEFTL 4BMFT1SFTFOUBUJPO4LJMM BOEVOH 0GmDFSFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSFMQEFTL 1FMBUJIBO.BOBHJOH53JTLo4FSJFT 3507 +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 3171SPHSBNNJOHBTJD5PEWBODF +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO .BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 51SPKFDU.BOBHFNFOUBTFE0O1NCPL +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 3171SPHSBNNJOHBTJD5PEWBODF +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 1FMBUJIBO.BOBHJOH53JTLo4FSJFT 3507 +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO VOE5SBOTGFS1SJDJOH BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 .BOBKFNFO3JTJLPOHLBUBO BOEVOH 0GmDFSBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGDS-JCSBSJBO PDVNFOUPOUSPMJMMJOH4ZTUFN :PHZBLBSUB +VOJPS4UBGDS-JCSBSJBO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBG IBSBDUFSVJMEJOHOHLBUBO BOEVOH 4FOJPS0GmDFS-JBJTPO .BTUFSJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 4FOJPS0GmDFS-JBJTPO 4FSWJDF-FBEFSTIJQ BOEVOH 4FOJPS0GmDFS-JBJTPO .BOBHJOH53JTL +BLBSUB 4FOJPS0GmDFS-JBJTPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 4UBG3FQBJSFOUFS6TFS4VQQPSU 0GmDFS1SPHSBNOHLBUBO BOEVOH 4UBG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPKFDU.BOBHFNFOU PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFS1SPKFDU.BOBHFNFOU .BTUFSJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 0GmDFS1SPKFDU.BOBHFNFOU .BOBHJOH53JTL +BLBSUB INFORMATION TECHNOLOGY 306 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. JabatanPosition PelatihanTraining Tempat Location 0GmDFS1SPKFDU.BOBHFNFOU 1FOHBEBBOBSBOHBO+BTB51FSCBOLBO :PHZBLBSUB 0GmDFS1SPKFDU.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM PBDIJOHOEPVOTFMMJOH4LJMM BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 1FMBUJIBO3171SPHSBNNJOHSPNBTJD5PEWBODF 8PSLTIPQ +BLBSUB 1FNJNQJOSVQ4XJUDIJOHOUFSDIBOOFM 8PSLTIPQ1FSTJBQBONQMFNFOUBTJ5FLOPMPHJ,BSUVIJQ 44 EWBODF +BLBSUB 1FNJNQJOSVQ4XJUDIJOHOUFSDIBOOFM 51SPKFDU.BOBHFNFOUBTFE0O1NCPL +BLBSUB 1FNJNQJOSVQ4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 1FNJNQJOSVQ4XJUDIJOHOUFSDIBOOFM 1FMBUJIBOFSUJmFEOGPSNBUJPO4ZTUFNVEJUPS BOEVOH .BOBHFSFMQEFTL 51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB .BOBHFSFMQEFTL 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGG3FQBJSFOUFS6TFS4VQQPSU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM PBDIJOHOEPOTFMMJOH BOEVOH 0GmDFS1SPHSBNNFS4XJUDIJOHOUFSDIBOOFM 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJPSFBOLJOHQQMJDBUJPO PDVNFOUPOUSPMJMMJOH4ZTUFN :PHZBLBSUB +VOJPS4UBGENJOJTUSBTJPSFBOLJOHQQMJDBUJPO 3QHW1SPHSBNNJOHBTJD5PEWBODF +BLBSUB +VOJPS4UBGENJOJTUSBTJPSFBOLJOHQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 4FOJPS0GmDFS4ZTUFNOHJOFFS 5SBJOJOH51SPKFDU.BOBHFNFOUBTFE0O1.0, +BLBSUB 4FOJPS0GmDFS4ZTUFNOHJOFFS 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGGBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO PX5PSFBUF-4.,8JUI93- +BLBSUB +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO FWFMPQNFOU8FCQQMJDBUJPO6TJOH41OFU BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FMBUJIBONQMFNFOUJOH4RM4FSWFSBUB8BSFIPVTF BOEVOH 1FNJNQJOSVQ2B4FDVSJUZ.BOBHFNFOU 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM +BLBSUB 1FNJNQJOSVQ2B4FDVSJUZ.BOBHFNFOU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM BOEVOH 1FNJNQJOSVQ2B4FDVSJUZ.BOBHFNFOU -FBEFSTIJQ.BOBHJOH1FPQMF BOEVOH 1FNJNQJOSVQ2B4FDVSJUZ.BOBHFNFOU 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FMBUJIBO8FCFWFMPQNFOU6TJOH5.-44OE +BWBTDSJQU BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 7JTVBM1SPHSBNNJOHVOEBNFOUBM BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO 1FMBUJIBONQMFNFOUJOH4RM4FSWFSBUB8BSFIPVTF BOEVOH +VOJPS4UBGENJOJTUSBTJFBE0GmDFQQMJDBUJPO VOE5SBOTGFS1SJDJOH BOEVOH 0GmDFSBUBFOUFS3 4USFTT.BOBHFNFOU BOEVOH 0GmDFSBUBFOUFS3 0VUCPOEJWJTJ5FLOPMPHJOGPSNBTJ BOEVOH 0GmDFSBUBFOUFS3 53JTL.BOBHFNFOU +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 3171SPHSBNNJOHBTJD5PEWBODF +BLBSUB 0GmDFS1SPHSBNNFSPSFBOLJOHQQMJDBUJPO 53JTL.BOBHFNFOU +BLBSUB TEKNOLOGI INFORMASI 307 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Rencana Strategi TI 3FODBOB TUSBUFHJ CJTOJT CBOL bjb NFOKBEJ SFGFSFOTJ VOUVL NFOFOUVLBONPEFMBSTJUFLUVS5NBTBEFQBOZBOHEJOZBUBLBO EBMBN LSJUFSJB ZBJUV Secure, Pervasive, Expandable, Centralized, Timely, Reliable, User-friendly, Measurable, GmDJFOU 41536. STJUFLUVS UFSTFCVU NFNJMJLJ BSBIBO ZBOH KFMBT EBO UFHBT VOUVL NFOKBEJ SFGFSFOTJ STJUFLUVS QSJOTJQ EJSBODBOH VOUVL NFNFOVIJ LSJUFSJB 41536. 6OUVL NFOEVLVOH JNQMFNFOUBTJ IBSVT EJTVTVO BSTJUFLUVS JNQMFNFOUBTJ ZBOH IBSVTTFKBMBOEFOHBOBSTJUFLUVSQSJOTJQZBOHEJUFUBQLBOEBMBN 3FODBOB4USBUFHJT5FLOPMPHJOGPSNBTJ 345 EBQVO JOJTJBUJG ZBOH BLBO EJLFNCBOHLBO BEBMBI TFCBHBJ CFSJLVU Arsitektur Core Banking STJUFLUVS Core Banking UFSCBHJEBMBNCFCFSBQB layer VOUVL NFNVEBILBOQFOHFMPMBBOBQMJLBTJEFOHBONFNJTBILBOEBUB EFOHBO business logic OBNVOEBQBUEFOHBONVEBIEJBLTFT PMFIBQMJLBTJ channel Layer ZBOHEJNBLTVEBEBMBI

1. Core Layer