148
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
F. Pemilihan Nasabah
1. Menerapkan Selective Selling
EBMBN QFOZBMVSBO kredit.
2. Melakukan segmentasi pasar dengan fokus pada EFCJUVSVUBNB
CFSVQBZBNFOJOHLBULBOLFMPMBBOBTFU
EBO UFUBQ CFSVTBIB NFOHFNCBOHLBO QBTBS ZBOH baru.
F. Selection of Customer
QQMZ4FMFDUJWF4FMMJOHJOMFOEJOH 2. Conduct market segmentation with a focus on the
principal debtor, seek to increase assets management and strive to develop new markets.
MIKRO
149
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
MICRO
KINERJA 2014
Pada 24 September 2014, bank bjb menandatangani
1FSKBOKJBO ,FSKB 4BNB 1,4
,SFEJU JOUB 3BLZBU ,3 CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB BSBU
ZBOH NFSVQBLBO
5BIBQ ,F7
TFUFMBI UJHB UBIBQ TFCFMVNOZB EJSFBMJTBTJLBO pada tahun 2013. Pada tahap IV, Pemerintah Provinsi
+BXB BSBU BLBO NFOZFSBILBO LFNCBMJ BOB FSHVMJS ,3 TFCFTBS 3Q NJMJBS LFQBEB CBOL
bjb dengan jangka
waktu pengembalian 5 tahun sejak penandatangan PKS dan Kesepakatan Bersama.
FSEBTBSLBO EBUB QPTJTJ HVTUVT
UPUBM SFBMJTBTJ ,3 TFCFTBS 3Q
NJMJBS EFOHBO
outstandingbaki debet TFCFTBS 3Q
NJMJBS 5PUBM EFCJUVS QBEB TFHNFO JOJ
TFCBOZBLEFOHBOQFOZFSBQBOUFOBHBLFSKBTFCBOZBL 23.245 orang. Pencapaian tersebut didukung dengan jaringan
Kantor bank bjb
ZBOHUFMBIUFSTFCBSEJ8JMBZBI1SPWJOTJ+BXB BSBU EFOHBO KVNMBI ,BOUPS BCBOH EBO ,BOUPS
Cabang Pembantu. 6OUVLLJOFSKBQFOZBMVSBO
QFSUVNCVIBOQPTJTJLSFEJULFMPMBBO
Divisi Mikro dari Desember 2013 sampai Desember 2014 NFOHBMBNJ QFSMBNCBUBO
TFIJOHHB NFOKBEJ 3Q
USJMJVO
4LJN,SFEJU.JLSP6UBNBNFNJMJLJLPOUSJCVTJTFCFTBS BUBVTFCFTBS3Q
NJMJBSEBSJUPUBMQFOZBMVSBOLSFEJUEJ
sektor mikro. Sedangkan ekspansi kredit kelolaan Divisi Mikro sepanjang
UBIVO NFODBQBJ 3Q
USJMJVO EFOHBO run off
3Q triliun. Sehingga, pertumbuhan neto tahunan YoY mencapai
3Q
NJMJBS EBQVO QFSUVNCVIBO P VNCFS PG Account Kelolaan Divisi Mikro dari Desember 2013 sampai
EFOHBO FTFNCFS NFOVSVO
BUBV TFCBOZBL BLVO
Untuk Pendapatan Bunga Kredit Yang Diberikan PBKYD Divisi Mikro hingga Triwulan IV tahun 2014, mencapai
3Q
NJMJBS BUBV UVSVO
EJCBOEJOH QFSJPEF ZBOH TBNBUBIVOTFCFMVNOZB
ZBOHNFODBQBJ3Q
USJMJVO
1FOZVNCBOHQFOEBQBUBOUFSCFTBSEJQFSPMFIEBSJLSFEJUZBOH EJTBMVSLBO PMFI SVQ .JLSP
ZBJUV TFCFTBS 3Q
NJMJBS
ZBOHNFMBNCBU
EJCBOEJOHFTFNCFS
Sedangkan kredit bermasalah atau PO 1FSGPSNJOH -PBO
1- Gross hingga akhir tahun 2014 mencapai 22,7.
,POEJTJJOJMFCJIUJOHHJ
EJCBOEJOHLBOUBIVOZBOH sebesar 11,3.
2014 PERFORMANCE
On September 24, 2014, the Bank signed a cooperation BHSFFNFOUPO,SFEJUJOUB3BLZBU ,3
XJUIUIFPWFSONFOU
PG 8FTU +BWB 1SPWJODF
OBNFMZ 1IBTF 7
BGUFS UIF UISFF previous stages being realized in 2013. In the fourth stage,
the Government of West Java Province will be hand back the ,33FWPMWJOHVOEPG3QCJMMJPOUPCBOL
bjb with a tenor
PGZFBSTTJODFUIFTJHOJOHPGUIFHSFFNFOU
Based on the data on the position in August 2014, total SFBMJ[BUJPO PG ,3 XBT 3Q CJMMJPO XJUI PVUTUBOEJOH
EFCJUPG3QCJMMJPO5PUBMEFCUPSTJOUIJTTFHNFOUXFSF XJUI FNQMPZNFOU BCTPSQUJPO PG
QFPQMF 5IJT
BDIJFWFNFOU XBT TVQQPSUFE CZ CBOL
bjb
T 0GmDF OFUXPSL spread in the West Java Province with a number of 33
CSBODIFTBOETVCCSBODIFT For the performance distribution, the growth of credit managed
CZ UIF .JDSP JWJTJPO GSPN FDFNCFS VOUJM FDFNCFS FYQFSJFODFEBTMPXEPXOBOECFDBNF3QUSJMMJPO5IF
.BJO .JDSPDSFEJU TDIFNF DPOUSJCVUFE PS 3Q billion of the total lending in the micro sector.
.FBOXIJMF UIF FYQBOTJPO PG DSFEJU NBOBHFE CZ UIF .JDSP JWJTJPOEVSJOHUIFZFBSSFBDIFE3QUSJMMJPOXJUISVO
PGG3Q5SJMMJPO5IVT
UIFBOOVBMOFUHSPXUI :P:
SFBDIFE 3Q CJMMJPO 5IF HSPXUI PG P VNCFS PG DDPVOUT
NBOBHFE CZ UIF .JDSP JWJTJPO GSPN FDFNCFS UP FDFNCFS EFDSFBTFE PS BT NVDI BT
accounts. Credit Interest Income PBKYD of the Micro Division until the
PVSUI2VBSUFSPGSFBDIFE3QCJMMJPO
EFDSFBTJOH CZPWFSUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS
XIJDI
XBT3QUSJMMJPO
5IF MBSHFTU DPOUSJCVUPS UP SFWFOVF XBT DSFEJU FYUFOEFE CZ UIF.JDSPSPVQ
BNPVOUJOH3QCJMMJPO
BEFDSFBTFPG
24.30 compared to the position in December 2013. .FBOXIJMF HSPTT OPOQFSGPSNJOH MPBOT 1-
VOUJM UIF FOE
of 2014 reached 22.7, an increase of 11.4 compared to 2013, which amounted to 11.3.
150
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Berikut ini tabel kinerja usaha kredit mikro bank bjb dalam tiga
tahun terakhir.
3Q+VUB
LFDVBMJP 3Q.JMMJPO
FYDFQUP
Skim Kredit Desember 2014
December 2014 Desember 2013
December 2013 Desember 2012
December 2012
Credit Scheme NoA
Value NoA
Value NoA
Value
8JMBZBI
30.585 1.880.010 33.382
3FHJPO 8JMBZBI
10.553
3FHJPO 8JMBZBI
30.375 1.824.157
35.584 31.272
3FHJPO 8JMBZBI
528.005
3FHJPO
Jumlah 79.962
4.505.840 95.384
5.363.482 83.707 4.550.811
Total
RENCANA 2015
BMBN SFODBOB TUSBUFHJT 1FSVTBIBBO EJ CJEBOH QFOZBMVSBO kredit di tahun 2015, bank
bjb akan fokus pada sektor produktif,
UFSVUBNBVOUVLTLBMBVTBIBNJLSP
LFDJMNFOFOHBIBNVO hal itu dilakukan tetap dengan menjaga prinsip kehati-hatian.
Dari sisi target pertumbuhan untuk kredit mikro, bank bjb
memperkirakan bisa meraih peningkatan 10 dibandingkan EFOHBO SFBMJTBTJ UBIVO BM JOJ EJEVLVOH PMFI LPOEJTJ
eksternal dan internal. Dari sisi eksternal, kondisi perekonomian secara umum
diperkirakan lebih baik dibandingkan dengan tahun 2014. Sedangkan dari sisi internal, sejak Desember 2014 bank
bjb
telah mengembangkan organisasi unit usaha mikro menjadi TFUJOHLBUJSFLUPSBU
TFIJOHHBSVBOHHFSBLOZBNFOKBEJMFCJI
leluasa. 6OUVL NFODBQBJ UBSHFU ZBOH UFMBI EJUFUBQLBO
TFKVNMBI
JOJTJBUJGTUSBUFHJUFMBIEJTJBQLBO
EJBOUBSBOZB 1. Program
PESAT 1SPHSBN JOJ EJLFOBM EFOHBO 1SPHSBN 1FNCFSEBZBBO
LPOPNJ BTBCBI 5FSQBEV BUBV EJTFCVU EFOHBO 145 4USBUFHJ ZBOH BLBO EJKBMBOLBO NFMBMVJ 145
EJBOUBSBOZB B 1FNCFSEBZBBO OBTBCBI NJLSP
QSB QVSOBCBLUJ EBO
purnabakti b.
Penjaringan pelaku usaha potensial dengan menggunakan nasabah eksis sebagai “
entry point”. The following table describes the performance of the
PNQBOZTNJDSPDSFEJUJOUIFMBTUUISFFZFBST
2015 PLAN
OUIFPNQBOZTTUSBUFHJDQMBOTJOMFOEJOH
UIFBOL will focus on the productive sectors, in the micro, small and
medium enterprises. This will be performed while maintaining the principle of prudence.
From the growth target for micro credit, bank bjb estimates to
achieve a 10 increase compared to the realization in 2014. 5IJTJTTVQQPSUFECZUIFFYUFSOBMBOEJOUFSOBMDPOEJUJPOT
SPN UIF FYUFSOBM TJEF
UIF FDPOPNJD DPOEJUJPO JT HFOFSBMMZ expected to be better compared to the condition in 2014.
Meanwhile, from the internal side, since December 2014 bank
bjb has transformed the micro business unit into the level of
Directorate thus having more opened space of movement. To achieve the targets set, a number of strategic initiatives
IBWFCFFOQSFQBSFE
JODMVEJOH 1. PESAT Program
This program is known as the Integrated Customer Economic Empowerment or referred to PESAT. The
strategies that will be implemented through PESAT JODMVEF
B NQPXFSJOHDVTUPNFSTNJDSP
QSFSFUJSFEBOESFUJSFE C FUXPSLJOH PG QPUFOUJBM CVTJOFTT PQFSBUPST VTJOH
FYJTUJOHDVTUPNFSTBTUIFiFOUSZQPJOUw
MIKRO
151
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
D 1FOFUSBTJUFSIBEBQLFMPNQPLNBTZBSBLBUZBOHCFMVN tersentuh oleh bank.
E .FOKBMJOLFSKBTBNBEFOHBOJOTUJUVTJQFNFSJOUBIZBOH membidangi UMKM.
5BSHFUZBOHJOHJOEJDBQBJEBSJQSPHSBNTUSBUFHJTUFSTFCVU BEBMBI
a. Menciptakan dan membentuk “ loyal” customer,
sehingga melapangkan jalan untuk mengembangkan bisnis nasabah secara berkelanjutan mengingat
LBSBLUFSOZBMFCJIUFSKBHBEJCBOEJOHLBOOBTBCBICBSV b. Menumbuhkan potensi calon nasabah di kalangan
NBTZBSBLBUEBOLPNVOJUBT D .FOHJOUFHSBTJLBOBOUBSBVQBZB
maintenance nasabah ZBOHBEBEFOHBO1FOKBSJOHBO
pre-customer. E FSTBNB QFNFSJOUBI NFOKBEJ BHFO QFNCFSEBZB
kewirausahaan. Adapun target komposisi sasaran PESAT, terutama
NFSVQBLBOLPOTVNFOZBOHCFSBTBMEBSJOBTBCBI existing,
ZBJUV TFCFTBS 4JTBOZB IBTJM LFSKB TBNB EFOHBO pemerintah 30 dan pengembangan melalui komunitas
20. 3FODBOB TUSBUFHJT MBJO ZBOH BLBO NFOEVLVOH VQBZB
QFODBQBJBOUBSHFUUBIVOBEBMBI a. Di bidang komunikasi dan pemasaran
4USBUFHJJOJ
EJBOUBSBOZBEJMBLVLBONFMBMVJ gathering
dengan bantuan bagian pemasaran, pembuatan media komunikasi, sosialisasi restrukturisasi kredit,
serta membuka potensi top up bagi debitur existing
ZBOHNFNJMJLJSJXBZBULSFEJUZBOHTFIBU b. Pengembangan
infrastruktur JCJEBOHQFOHFNCBOHBOJOGSBTUSVLUVS
EJBOUBSBOZB
EJMBLVLBO EFOHBO
NFOZJBQLBO QFOEJEJLBO CBHJ BDDPVOU PGmDFS
, 2 pengembangan loan origination
system, 3 pengembangan waroeng bjb.
D 1FOFUSBUJPOPGUIFHSPVQPGQFPQMFUIBUOPUZFUSFBDIFE CZUIFBOL
d. Collaborate with government agencies in charge of MSME.
5BSHFUTUPCFBDIJFWFEGSPNUIFTUSBUFHJDQSPHSBNBSF B SFBUF BOE FTUBCMJTI iMPZBMw DVTUPNFST
UIVT QBWJOH
UIF XBZ GPS EFWFMPQJOH DVTUPNFS CVTJOFTT JO B sustainable manner given their characters are more
maintained than new customers. b. Cultivate the potential of prospective customers in the
TPDJFUZBOEDPNNVOJUZ c. Integrate the efforts of maintenance of existing
DVTUPNFSTXJUIQSFDVTUPNFSFUXPSLJOH d.
Together with the Government becomes an entrepreneurial empowerment agent.
5IF UBSHFU PG 145 JT FTQFDJBMMZ UIF DVTUPNFST GSPN existing customers, which amounted to 50. The rest is
the result of cooperation with the government 30 and UISPVHIDPNNVOJUZEFWFMPQNFOU
2. Another strategic plan that will support the efforts to BDIJFWFUIFUBSHFUTBSF
B OUIFmFMEPGDPNNVOJDBUJPOTBOENBSLFUJOH 5IJT TUSBUFHZ
BNPOH PUIFST XJMM CF DPOEVDUFE
through gathering with the help of marketing, creation of communication media, dissemination of loan
restructuring, as well as opening the potential of top- VQTGPSUIFFYJTUJOHEFCUPSTXJUIIFBMUIZDSFEJUIJTUPSZ
b. Infrastructure development
The development of infrastructure will be conducted CZ
QSFQBSJOH UIF FEVDBUJPO GPS BDDPVOU PGmDFST
UIFEFWFMPQNFOUPGMPBOPSJHJOBUJPOTZTUFN
UIF development waroeng bjb.
MICRO
152
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
MIKRO
c. Jaringan kerja sama 6OUVL KBSJOHBO LFSKB TBNB
EJ BOUBSBOZB EJMBLVLBO
dengan Pemerintah Pusat dalam hal ini Kementerian 5FLOJT EBO 1FNFSJOUBI 1SPWJOTJ +BXB BSBU BNVO
tetap terbuka kemungkinan untuk kerja sama dengan pihak atau lembaga lain.
d. Pemilihan nasabah
Perusahaan juga akan melakukan pemetaan potensi LSFEJUQSPHSBNEJXJMBZBILFSKBCBOL
bjb dan menjaga
hubungan baik dengan debitur existing kelolaan
Kredit Program. Selain itu, bank bjb akan melakukan
QFOFUSBTJQBEBKBSJOHBOLPQFSBTJZBOHNFNJMJLJLJOFSKB baik setelah melakukan analisis data dari Dinas
Koperasi. Pada saat bersamaan, bank
bjb akan menghentikan
TFNFOUBSB QFOZBMVSBO stop selling bagi Cabang
,1ZBOH1-OZBEJBUBTFOHBOCFHJUV
EBQBU MFCJIGPLVTEBMBNNFOVSVOLBOUJOHLBU1-TFSUBUFUBQ
secara pro aktif dalam melakukan penagihan. e. Pengembangan
produk 5BL LBMBI QFOUJOHOZB
EBMBN SBOHLB NFOJOHLBULBO
kinerja usaha di bidang mikro, bank bjb akan terus
melakukan inovasi pengembangan produk agar sesuai dengan kebutuhan nasabah.
c. Cooperation network
Cooperation network will be established with the FOUSBM PWFSONFOU JO UIJT DBTF UIF .JOJTUSZ PG
Technical and the local Government of West Java 1SPWJODFPXFWFS
UIFQPTTJCJMJUZGPSDPPQFSBUJPOXJUI
other institutions remains to be opened. d. Customer selection
5IF DPNQBOZ XJMM BMTP DPOEVDU DSFEJU QPUFOUJBM mapping program in the working areas of bank
bjb
and maintain good relationships with the existing EFCUPSTNBOBHFECZUIFSFEJU1SPHSBNOBEEJUJPO
the bank bjb will penetrate the cooperative network
XJUIHPPEQFSGPSNBODFBGUFSUIFBOBMZTJTPGEBUBGSPN the Department of Cooperatives is conducted.
At the same time, the bak bjb
XJMMUFNQPSBSZTVTQFOE the disbursement stop selling for BranchesKCP with
1-BCPWFZEPJOHTP
UIFBOLDBOCFNPSF GPDVTFEPOMPXFSJOHUIFMFWFMPG1-BOESFNBJOQSP
active in collection. e. Product development
RVBMMZ JNQPSUBOU
JO PSEFS UP JNQSPWF CVTJOFTT QFSGPSNBODF JO UIF mFME PG NJDSP
CBOL
bjb will
continue to innovate the development of products to suit customer needs.
153
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
MICRO
154
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
INTERNASIONAL TRESURI
INTERNATIONAL TREASURY
155
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
INTERNASIONAL
bank bjb
NFOBXBSLBO MBZBOBO BLUJWJUBT QFSCBOLBO NFMBMVJ produk transaksi
Trade Finance and Services dan remittance ZBOH EJEVLVOH PMFI CBOL LPSFTQPOEFO
Depository Correspondent, dengan 22
PTUSP DDPVOU
TFSUB counterparties
BOLTBOEPOBOLT , agen remitansi di 4
negara Asia, serta kerja sama strategis dengan berbagai pihak.
Di tahun 2014, fee based income
ZBOH EJQFSPMFI EBSJ aktivitas
Trade Finance and Services EBO3FNJUBOTJCFSIBTJM
NFODBUBULBO QFODBQBJBO NFMFCJIJ UBSHFU ZBOH EJUFUBQLBO BMJOJEJEVLVOHPMFICFSCBHBJGBLUPS
BOUBSBMBJOQFSCBJLBO
MBZBOBO
JOGSBTUSVLUVS
QSPNPTJ EBMBN CFSCBHBJ LFHJBUBO ZBOH NFOEVLVOH QFOJOHLBUBO USBOTBLTJ QFSEBHBOHBO EBO
SFNJUBOTJTFSUBBEBOZBUBSHFUNBSLFUCBSVNFMBMVJUSBOTBLTJ
kepada nasabah maupun counterparty bank.
Trade Finance
bank bjb
NFOBXBSLBO CFSCBHBJ QSPEVL EBO MBZBOBO LPNQSFIFOTJG CBHJ QBSB QFOHVTBIB ZBOH CFSHFSBL EBMBN
CJEBOH VTBIB ZBOH CFSLBJUBO EFOHBO FLTQPS JNQPS QFSEBHBOHBO MPLBM NBVQVO VTBIB MBJOOZB 1SPEVL CBOL
INTERNATIONAL
bank bjb offers banking services through the product Trade
Finance and Services transactions and remittance supported CZDPSSFTQPOEFOUCBOLT
FQPTJUPSZPSSFTQPOEFOU
XJUIPTUSPDDPVOUT
BOEDPVOUFSQBSUJFT BOLTBOE POBOLT
SFNJUUBODFBHFOUTJOTJBODPVOUSJFT
BTXFMMBT
strategic alliances with various parties. In 2014, fee-based income derived from Trade Finance
BOE 4FSWJDFT BT XFMM BT 3FNJUUBODF NBOBHFE UP SFDPSE BO BDIJFWFNFOUFYDFFEJOHUIFUBSHFUTFU5IJTJTTVQQPSUFECZ
B WBSJFUZ PG GBDUPST
BNPOH PUIFST
TFSWJDFT JNQSPWFNFOU JOGSBTUSVDUVSF
QSPNPUJPOJOBWBSJFUZPGBDUJWJUJFTUIBUTVQQPSU
the increase of trade transactions and remittance as well as the new target market through transactions to the bank’s
customers and counterparties.
Trade Finance
bank bjb offers a comprehensive range of products and
services for entrepreneurs engaged in activities related to exports and imports, local trade and other businesses. bank
bjb
TQSPEVDUTDBOCFVTFEBTMPOHBTUIFQBZNFOUNFUIPE
156
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
bjb
CJTB EJNBOGBBULBO TFQBOKBOH NFUPEF QFNCBZBSBOOZB menggunakan
Letter of Credit LC ataupun Surat Kredit FSEPLVNFOBMBNFHFSJ 4,
BUBVQVO
guarantee dan Standby Letter of Credit
ZBOH NFOHBDV LFQBEB LFUFOUVBO JOUFSOBTJPOBM
ZBOHEJBOUBSBOZB
t 1FOFSCJUBO-4, •
Collection -4,
t FHPTJBTJ • Diskonto
• Shipping Guarantee
• Guarantee
• Standby Letter of Credit
5JEBLIBOZBJUV
CBHJQBSBQFOHVTBIBZBOHEBMBNNFOKBMBOLBO LFHJBUBO VTBIBOZB UJEBL NFOHHVOBLBO TLFNB QFNCBZBSBO
dengan menggunakan Letter of Credit maka dapat ditawarkan
CFSCBHBJMBZBOBOUSBOTBLTJ
EJBOUBSBOZB •
Open Account Financing •
Bill Collection Financing Guna terus meningkatkan pertumbuhan bisnis dan
peningkatan fee based income, selain mendorong aktivitas
USBEFmOBODF dan remitansi pada tahun 2014, peran
Financial Institution sebagai salah satu
QSPmU DFOUFS dalam bisnis
perbankan terus dikembangkan, melalui pemasaran produk QSPEVLBOUBSCBOL5SBOTBLTJBOUBSCBOLZBOHTBBUJOJTVEBI
berjalan dan memberikan kontribusi terhadap peningkatan fee based income adalah produk Guarantee under Counter
Guarantee dan Counterparty Bank Trade Financing ZBOH
UFMBINFODBUBULBOWPMVNFUSBOTBLTJZBOHDVLVQTJHOJmLBOEJ banding tahun 2013.
Trade Financing BOUBSCBOL UFSTFCVU NFNJMJLJ QPUFOTJ ZBOH
cukup besar sebagai kontributor penambah fee based
income. Produk ini diharapkan juga dapat membawa bank bjb
TFKBKBSEFOHBOCBOLCBOLCFTBSMBJOOZBEBMBNCJEBOH Trade
Finance and Services.
Produk Remitansi
Selain melalui produk USBEFmOBODF
EBMBNVQBZBNFOEVLVOH
pencapaian fee based
TFSUB NFNCFSJLBO QFMBZBOBO QSJNB LFQBEB NBTZBSBLBU MVBT
QSPEVL SFNJUBOTJ UFSVT NFOFSVT
dikembangkan dan dipromosikan agar dapat dimanfaatkan PMFI NBTZBSBLBU MVBT ZBOH NFNFSMVLBO MBZBOBO QFSCBOLBO
uses the Letter of Credit LC or Letter of Credit with Domestic PDVNFOUBUJPO 4,
PS HVBSBOUFFT BOE TUBOECZ MFUUFS
of credit, which refers to the international regulations, which JODMVEF
t 1VCMJTIJOH-4, t PMMFDUJPO-4,
t FHPUJBUJPO • Discount
• Shipping Guarantee • Guarantee
t 4UBOECZ-FUUFSPGSFEJU PU POMZ UIBU
GPS FOUSFQSFOFVST DPOEVDUJOH UIF CVTJOFTT
operation without the Letter of Credit as the scheme of QBZNFOU
UIFBOLPGGFSTBXJEFSBOHFPGUSBOTBDUJPOTFSWJDFT
JODMVEJOH • Open Account Financing
• Bill Collection Financing To enhance business growth and increase fee-based income,
JO BEEJUJPO UP FODPVSBHJOH USBEF mOBODF BOE SFNJUUBODF
JO UIFSPMFPGUIFJOBODJBMOTUJUVUJPOBTPOFPGUIFQSPmU
centres in the banking business continues to be develop, through the marketing of products among banks. The interbank
USBOTBDUJPOT XIJDI BSF DVSSFOUMZ SVOOJOH BOE DPOUSJCVUJOH to the increase of fee-based income are Guarantee under
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The interbank Trade Financing has considerable potential as a contributor to enhance fee-based income. This product is also
expected to bring bank bjb equal with other major banks in the
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Remittance Products
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INTERNASIONAL TRESURI
157
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
sampai ke pelosok daerah. Produk remitansi tersebut mencakup
bjb transfer valas, Western Union, maupun bjb
quickcash. Produk
bjb quickcash
NFSVQBLBO TJTUFN ZBOH EJCBOHVO secara internal oleh bank
bjb. Produk ini akan diintegrasikan
EFOHBO TJTUFN SFNJUBOTJ ZBOH EJNJMJLJ PMFI BHFO SFNJUBOTJ di empat 4 negara, sehingga memberikan keleluasaan
LFQBEBQFOHJSJNVBOHEJMVBSOFHFSJVOUVLNFNJMJIMBZBOBO penerimaan uang di dalam negeri melalui
cash to cash, cash to
bjb account, cash to non bjb account.
bank bjb
CFSIBSBQ EBQBU NFNCFSJLBO LFOZBNBOBO bertransaksi dengan menggunakan
bjb quickcash bukan
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bjb
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berkesinambungan agar dapat memenuhi ekspektasi dari para
remitting agent ZBOHCFLFSKBTBNB
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FmTJFO EBO EBQBU diandalkan.
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ZBOHEBQBUEJNBOGBBULBOPMFIQBSB remitting agent rekanan
bank bjb sesuai dengan kebutuhan. Mulai dari Desktop
Solution, Host to Host EBOZBOHNBTJIUFOHBIEJLFNCBOHLBO
ZBJUV Web Portal.
Perusahaan berpandangan bahwa bisnis dalam bidang remitansi cukup menjanjikan. Karena itu, persaingan baik
dengan bank maupun non bank menjadi semakin ketat. Dalam LPOUFLTJOJMBI
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QFSBOOZB
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produk remittance bank
bjb.
STRATEGI
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LIVTVTOZB EJ bidang remitansi, bank
bjb telah merealisasikan serangkaian
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Internasional ini, perolehan fee based income bank
bjb juga
dapat meningkat. BSFBT5IFSFNJUUBODFQSPEVDUTJODMVEFCKCGPSFJHODVSSFODZ
transfers, Western Union, and bjb quickcash.
bjb
RVJDLDBTIJTBTZTUFNCVJMUJOUFSOBMMZCZCBOL
bjb. This
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DPVOUSJFT
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cash, cash to bjb account, cash to a non bjb account.
bank bjb hopes to provide the convenience of transacting
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CVUBMTP to the remittance agents who will work with bank
bjb. This is
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agents working together with bank bjb, thus the activities of
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Until now, the continuous development has managed to EJTQMBZBWBSJFUZPGBMUFSOBUJWFTPMVUJPOTUIBUDBOCFVUJMJ[FEBT
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bjb, starting
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BOEUIFXFC1PSUBMXIJDI is still being developed.
5IF PNQBOZ CFMJFWFT UIBU UIF SFNJUUBODF CVTJOFTT JT promising. Therefore, the competition either with banks and
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FTQFDJBMMZ JO UFSNT PG JODSFBTJOH CSBOE BXBSFOFTT PG CBOL
bjb’s remittance product.
STRATEGY
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FTQFDJBMMZJOUIFmFME of remittance, bank
bjb has realized a series of strategies
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penetration. With the increasing number of users of services PGGFSFE CZ UIF OUFSOBUJPOBM JWJTJPOT QSPEVDUT
CBOL
bjb’s
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INTERNATIONAL TREASURY
158
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
FCFSBQBJOJTJBUJGZBOHEJKBMBOLBOTFQBOKBOHUBIVO
EJ BOUBSBOZBBEBMBI
A. Pemasaran dan Promosi