bjb precious customer Weekend Getaway program.

annual report 2016 205 Growing Together with new expanding opportunities manajer investasi investment manager Produk Product jenis reksa Dana Types of mutual funds pT Trimegah asset Management Trim Kas 2 Trim Kombinasi 2 Trim Kapital plus Trim Syariah Berimbang Trim Syariah Saham pasar uang | Money market Campuran | Mixed Saham | Share Campuran | Mixed Saham | Share pT Syailendra Capital Syailendra Balanced opportunity Fund Syailendra equity opportunity Fund Campuran | Mixed Saham | Share pT Bahana TCW Investment Management Bahana Dana Infrastruktur Dana ekuitas prima Campuran | Mixed Saham | Share pT Danareksa Investment Management Danareksa Seruni pasar uang II Danareksa anggrek Fleksibel Danareksa Index Syariah Danareksa Mawar pasar uang | Money market Campuran | Mixed Indeks | Index Saham | Share Selain bekerja sama dengan Manager Investasi, bank bjb juga melakukan kerjasama dengan Perusahaan Asuransi yang diuraikan sebagai beirkut. Perusahaan company Produk Product pT aIa Financial Bahagia optima Bahagia utama Bahagia Buah hati Program – program Peningkatan Portofolio Wealth Management Tahun 2016 Kegiatan pemasaran yang telah dilakukan pada tahun 2016 sebagai bentuk peningkatan portofolio produk Wealth Management dilakukan melalui program – program sebagai berikut. 1. Produk Bancassurance • Bancassurance Incentive Rewards Program 2016 • Bancassurance Trip Contest New Zealand – Vietnam 2016 • Bancassurance Customer Rewards Program • Customer Gathering Bancassurance • Peningkatan kompetensi tenaga pemasar melalui serifikasi Asosiasi Jiwa Indonesia AAJI 2. Produk Reksa Dana • Peningkatan kompetensi tenaga pemasar melalui sertifikasi Wakil Agen Penjual Efek Reksa Dana WAPERD Rencana Program Peningkatan Portofolio Wealth Management Tahun 2017 Adapun terkait dengan rencana dan strategi di tahun 2017, Group Wealth Management merencanakan program – program antara lain: 1. Mengadakan program promosi penjualan produk Wealth Management melalui kantor cabang dan bjb Precious diantaranya: • Trip Rewards Program TINJAUAN OPERASIONAL oPeRaTional RevieW In addition to collaboration with Investment Managers, bank bjb also conducted collaboration with Insurance Companies, which is described as follows:

2016: Improvement Program of Wealth Management Portfolio

As an effort to increase Wealth Management products portfolio, bank bjb held various marketing activities in 2016 through the following programs: 1. Bancassurance Products • 2016: Bancassurance Incentive Rewards Program • 2016: Bancassurance Trip Contest New Zealand – Vietnam • Bancassurance Customer Rewards Program • Bancassurance Customer Gathering • Increase marketing force competence through certification of Indonesian Life Association AAJI. 2. Mutual Fund products. • Increase marketing force competence through certification of Mutual Fund Sales Agent WAPERD.

2017: Programs to increase Wealth Management Portfolio

In relation to the 2017 strategy and plan, Group Wealth Management designed the following programs: 1. Conduct a Wealth Management sales promotion program through branch offices and bjb Precious, among others are: • Trip Rewards Program Laporan Tahunan 2016 206 Semakin Berkembang Bersama peluang Baru yang Membentang • Bulan Reksa Dana Karyawan • Customer Rewards Program 2. Customer Gathering produk Wealth Management. 3. Mendukung kegiatan yang dilaksanakan baik oleh Asosiasi maupun Otoritas. 4. Menyusun laporan pencapaian produk Wealth Management dan Fee Based Income secara berkala. 5. Penambahan kerjasamapenambahan produk Wealth Management. 6. Pengembangan program aplikasi Wealth Management. 7. Melakukan review terhadap ketentuan internal dan SOP produk Wealth Management. 8. Sosialisasi terkait peraturan dan ketentuan yang berlaku. 9. Mendukung penyelenggaraan ujian dan perizinan sertifikasi bidang Wealth Management sertifikasi WAPERDCWMA AAJI. 10. Mengikutsertakan trainingworkshopseminar dalam peningkatan softskill maupun technical skill bagi staf Wealth Management baik dilakukan secara inhousepublic di dalam dan luar negeri. INTERNASIONAL DAN TRISURI Internasional Divisi Internasional mengelola berbagai layanan produk perbankan terkait transaksi perdagangan internasional dan perdagangan lokal serta remitansi. Selain itu kami mengembangkan kerjasama strategik dengan Lembaga Keuangan Bank maupun Lembaga Keuangan Non Bank melalui optimalisasi credit line dengan melakukan transaksi antar bank yang memiliki underlyingtrade finance untuk meningkatkan fee based dan interest income untuk mendukung tercapainya laba perusahaan. Kinerja di Bidang Internasional Tahun 2016 Pada tahun 2016 Divisi Internasionaltelah berhasil memperoleh pendapatan sebesar Rp17,98 miliar dari transaksi trade finance kepada nasabah, transaksi antar bank dan remitansi atau naik sekitar 67.96 dari perolehan tahun 2015 dengan kontribusi terbesar diperoleh dari transaksi antar bank yang berhasil mencatatkan pencapaian melebihi target yang ditetapkan yaitu sebesar 179,80 atau Rp14,38 miliar dari target yang ditetapkan sebesar Rp8 miliar. Pencapaian tersebut diperoleh dari transaksi Guarantee under Counter Guarantee dan Counterparty Bank Trade Financing. TransaksiGuarantee under Counter Guarantee selama tahun 2016 ini mengalami penurunan. Total garansi bank yang telah diterbitkan berdasarkan counter guarantee counterparty bank adalah sebesar Rp78,69miliar dengan fee based sebesar TINJAUAN OPERASIONAL oPeRaTional RevieW • Employee Mutual Fund Month • Customer Rewards Program 2. Customer Gathering of Wealth Management products. 3. Support activities held by Association and Authorities. 4. Compile Wealth Management and Fee Based product achievement report periodically. 5. Increase cooperationWealth Management products 6. Development of Wealth Management application program 7. Conduct a review towards internal terms and SOP of Wealth Management products. 8. Promote related applicable terms and regulations. 9. Support the execution of exam and licensing of certification within Wealth Management WAPERDCWMAAAJI certification 10. Engage Wealth Management staff in trainingsworkshops seminars both from national and international in-house public organizers to improve their soft and technical skills. INTERNATIONAL AND TREASURY International International division manages a variety of banking product services related to international trade and local trade transaction, including remittance service. In addition to the above, bank bjb also develop strategic cooperation with Financial Banking and Non-Banking Institutions through optimized credit line by conducting interbank transactions which has underlying trade finance to increase fee based and interest income to support the achievement of corporate profits. 2016: Performance in the International Sector In 2016, bank bjb international division through its finance trade, interbank and remittance transactions has succeeded to achieve income of IDR17,98 billion, or an increase of 67.96 from the 2015 earnings, with most contribution came from interbank transactions, which managed to surpassed the set target of 179.80 or IDR14,38 billion from the set target which was IDR8 billion. This achievement was obtained from Guarantee under Counter Guarantee transactions and Counterparty Bank Trade Financing. Throughout 2016, Guarantee under Counter Guarantee transactions suffered a decrease. Total bank guarantee issued based on counter guarantee counterparty bank is IDR78,69 billion with fee based of IDR 856,25 millions, a decrease of