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