Selalu memberikan solusi yang terbaik Berkeinginan kuat untuk Menumbuhkan Transparansi, Kebersamaan dan Menjaga rahasia bank dan perusahaan

253 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data HUMAN RESOURCES Perilaku UtamaPrimary Behaviour Penjelasan Description

1. Ramah, tulus, kekeluargaan

Friendly, sincere, familiarity Merupakan ciri khas bank bjb dalam berkomunikasi dengan pihak lain, baik dengan nasabah, shareholder, masyarakat maupun antar pegawai. Seluruh jajaran organisasi berkomunikasi secara ramah dan santun, membantu dengan tulus dan ikhlas, serta menjalin hubungan dengan baik dan kekeluargaan. SF DIBSBDUFSJTUJD CKC CBOL JO DPNNVOJDBUJOH XJUI PUIFST CPUI XJUI DVTUPNFST TIBSFIPMEFST DPNNVOJUJFT BOE BNPOH FNQMPZFFT 5IF XIPMFSBOHFPGPSHBOJ[BUJPOTDPNNVOJDBUFGSJFOEMZBOEQPMJUF IFMQJOH XJUIUIFTJODFSFBOEIPOFTU BOEHPPESFMBUJPOTIJQTXJUIGBNJMZ

2. Selalu memberikan pelayanan prima

Always provide excellent service Senantiasa memberikan pelayanan yang terbaik kepada nasabah dengan cara memahami dan menerapkan standar pelayanan bank bjb dengan baik dalam setiap aktivitas operasional. MXBZT QSPWJEF UIF CFTU TFSWJDF UP DVTUPNFST CZ VOEFSTUBOEJOH BOE JNQMFNFOUJOHTFSWJDFTUBOEBSET bjb CBOLXFMMJOBOZPQFSBUJPOBMBDUJWJUZ

3. Cepat, tepat, akurat

Fast, precise, accurate Sebagai bankir yang professional, setiap pekerjaan dilakukan dengan cepat sesuai dengan time schedule, menggunakan carametode yang tepat sesuai dengan tujuan dan peruntukannya, serta meminimalisir tingkat kesalahan baik dalam proses pekerjaan maupun hasil pekerjaan melalui ketelitian. TBQSPGFTTJPOBMCBOLFS FWFSZKPCEPOFRVJDLMZJOBDDPSEBODFXJUIUIF UJNFTDIFEVMF VTJOHUIFNFBOTNFUIPETBQQSPQSJBUFUPUIFPCKFDUJWFT BOEQVSQPTFT BTXFMMBTUPNJOJNJ[FUIFFSSPSSBUFCPUIJOUIFQSPDFTTPG XPSLBOEUIFXPSLUISPVHISJHPS

4. Kompeten dan bertanggung jawab

Competent and responsible Setiap pekerjaan, baik itu pekerjaan besar ataupun kecil, sulit ataupun mudah, selalu dikerjakan dengan memanfaatkan kompetensi yang ada di dalam diri masing-masing secara optimal dan dengan penuh rasa tanggung jawab. WFSZKPC XIFUIFSTNBMMPSMBSHFKPC EJGmDVMUPSFBTZ JTBMXBZTEPOF CZMFWFSBHJOHFYJTUJOHDPNQFUFODJFTXJUIJOFBDIPQUJNBMMZBOEXJUIB TFOTFPGSFTQPOTJCJMJUZ

5. Memahami dan melaksanakan

ketentuan perusahaan Understand and implement the provisions of the company Memahami dan melaksanakan seluruh pedoman dan ketentuan yang berlaku dengan baik sehingga setiap pekerjaan dilaksanakan sesuai dengan prosedur dan tidak melanggar peraturan. 6OEFSTUBOEBOEJNQMFNFOUBMMUIFHVJEFMJOFTBOEDPOEJUJPOTBQQMJDBCMF UP UIF HPPE TP UIBU BOZ XPSL JT DBSSJFE PVU JO BDDPSEBODF XJUI UIF QSPDFEVSFBOEEPFTOPUWJPMBUFUIFSVMFT

6. Konsisten, disiplin dan penuh

semangat Consistent , disciplined and passionate Selalu bekerja dengan disiplin, konsisten dalam melaksanakan setiap ketentuan bank dan penuh semangat dalam menghadapi tantangan. MXBZTXPSLXJUIEJTDJQMJOF DPOTJTUFOUJODBSSZJOHPVUBOZQSPWJTJPOPG CBOLBOEWJHPSPVTMZJOUIFGBDFPGDIBMMFOHFT

7. Menjaga citra Bank melalui perilaku

terpuji dan menjunjung tinggi etika .HHSLQJWKHDQN¶VLPDJHWKURXJK commendable behavior and ethics Setiap pegawai berperilaku terpuji, tidak melanggar norma dan ketentuan yang berlaku dan menjunjung tinggi kode etik perbankan. WFSZFNQMPZFFBDUUSVUIGVMMZ EJEOPUWJPMBUFUIFOPSNTBOESFHVMBUJPOT BOEVQIPMEUIFDPEFPGDPOEVDUCBOLJOH

8. Fokus pada nasabah

Focus on customers Menghormati dan perhatian kepada nasabah, senantiasa menjadikan nasabah sebagai mitra utama yang perlu diberikan layanan prima dan membantu memberikan solusi kepada nasabah. 3FTQFDU BOE DBSF GPS DVTUPNFST BMXBZT SFHBSE DVTUPNFST BT NBJO QBSUOFS XIP TIPVME CF HJWFO FYDFMMFOU TFSWJDFT BOE IFMQ QSPWJEJOH TPMVUJPOTUPDVTUPNFST

9. Peduli pada lingkungan

Care for the environment Memberikan kontribusi positif kepada lingkungan baik kepada masyarakat maupun kepada lingkungan hidup. Setiap pegawai memberikan perhatian terhadap masalah yang terjadi di lingkungan dan memberikan kontribusi positif dengan cara membantu memecahkan masalah. .BLF B QPTJUJWF DPOUSJCVUJPO UP UIF FOWJSPONFOU UP UIF DPNNVOJUZ PS UPUIFFOWJSPONFOUWFSZFNQMPZFFQBZBUUFOUJPOUPUIFQSPCMFNTUIBU PDDVSJOUIFFOWJSPONFOUBOENBLFBQPTJUJWFDPOUSJCVUJPOCZIFMQJOHUP TPMWFUIFQSPCMFN

10. Selalu memberikan solusi yang terbaik

Always provide the best solution Senantiasa bekerja dan berpikir untuk memecahkan masalah menggunakan akal pikiran yang sehat sehingga diperoleh solusi terbaik. MXBZTXPSLJOHBOEUIJOLJOHUPTPMWFQSPCMFNTVTJOHIFBMUIZNJOETJO PSEFSUPPCUBJOUIFCFTUTPMVUJPO

11. Berkeinginan kuat untuk

mengembangkan diri Strong desire to develop themselves Selalu berusaha memperluas wawasan, pengetahuan dan keterampilan kerja sebagai kontribusi terbaik demi kemajuan bank bjb MXBZT USZJOH UP CSPBEFO IPSJ[POT LOPXMFEHF BOE XPSL TLJMMT BT UIF CFTUDPOUSJCVUJPOUPUIFQSPHSFTTPGCBOLT bjb 12. Menyukai perubahan yang positif Liked positive change Selalu bersifat terbuka terhadap perubahan yang muncul dan berpikiran positif positif thinking MXBZTCFPQFOUPDIBOHFTUIBUBSJTFBOEQPTJUJWFUIJOLJOH

13. Menumbuhkan Transparansi, Kebersamaan dan

Kerja sama yang sehat Fostering Transparency , Mutual Cooperation and healthy Senantiasa jujur, saling percaya, saling mendukung dan membangun kerja sama tim yang kuat dan sehat. MXBZTIPOFTU NVUVBMUSVTU NVUVBMTVQQPSUBOECVJMETUSPOHUFBNXPSL BOEIFBMUIZ

14. Menjaga rahasia bank dan perusahaan

0DLQWDLQWKHFRQÀGHQWLDOLW\RIEDQNV and companies Memahami dan melaksanakan semua ketentuan yang berkaitan dengan rahasia bank, rahasia perusahaan dan rahasia jabatan. 6OEFSTUBOE BOE JNQMFNFOU BMM UIF QSPWJTJPOT SFMBUFE UP CBOL DPOmEFOUJBMJUZ DPSQPSBUFDPOmEFOUJBMJUZBOEQSPGFTTJPOBMDPOmEFOUJBMJUZ EBQVOQBOEVBOVOUVLQFMBLTBOBBOCVEBZBQFSVTBIBBOJOJ UFMBIUFSTVTVOEBMBN1FEPNBOVEBZB1FSVTBIBBOCBOL bjb CBOL bjb UFMBINFMBLVLBOCFCFSBQBMBOHLBITFCBHBJVQBZB TPTJBMJTBTJ corporate values ZBOHCFSBEBEJCBXBILPPSEJOBTJ JWJTJ IBOHF .BOBHFNFOU 0GmDF 1SPTFT TPTJBMJTBTJ UFSTFCVU EJCBOUV QVMB PMFI Change Leaders EBO Change Agents ZBOHUFMBIEJUVOKVLEJTFMVSVIVOJULFSKBVOUVLEBQBU NFOTPTJBMJTBTJLBO QFSVCBIBO CVEBZB LFQBEB VOJU LFSKBOZB 5IFHVJEFMJOFTGPSUIFJNQMFNFOUBUJPOPGUIFDPSQPSBUFDVMUVSF IBTCFFOBSSBOHFEJOUIFCBOL bjb PSQPSBUFVMUVSFPEF CBOL bjb IBTQFSGPSNFETFWFSBMTUFQTJOBOFGGPSUGPSDPSQPSBUF WBMVFT TPDJBMJ[BUJPO VOEFS UIF DPPSEJOBUJPO PG UIF IBOHF .BOBHFNFOU0GmDFJWJTJPO5IFTPDJBMJ[BUJPOQSPDFTTJTBMTP BTTJTUFE CZ UIF IBOHF -FBEFST BOE IBOHF HFOUT XIP IBWFCFFOBQQPJOUFEJOBMMXPSLVOJUTUPCFBCMFUPTPDJBMJ[F DVMUVSBMDIBOHFTUPFBDIXPSLVOJU5IFQSPHSBNTUIBUIBWF 254 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO NBTJOHNBTJOH 1SPHSBNQSPHSBN ZBOH UFMBI EJMBLTBOBLBO PMFIJWJTJIBOHF.BOBHFNFOU0GmDFBOUBSBMBJO t 1FNCFOUVLBO UJN JOUFSOBMJTBTJ CVEBZB ZBOH UFSEJSJ EBSJ change sponsors DIBOHF MFBEFST change agents EBO change targets TFSUBJWJTJIBOHF.BOBHFNFOU0GmDF TFCBHBJ EJWJTJ ZBOH CFSUBOHHVOH KBXBC EBMBN QSPTFT JOUFSOBMJTBTJCVEBZBTFDBSBLFTFMVSVIBO t Training EBO TPTJBMJTBTJ LFQBEB Change Leaders Change Agents Batch EBO t 1FODFUBLBONFEJBTPTJBMJTBTJCFSVQB X banner sign wall CVLVTBLV CVLVQFEPNBO 1 EBO,BSUVPMPHSBN t 1SPHSBN QFNCBIBTBO LFUFOUVBO QFSVTBIBBO UFSNBTVL UFOUBOHCVEBZBQFSVTBIBBO EJTFMVSVIVOJULFSKBTFDBSB QFSJPEJL NJOJNBMCVMBOTFLBMJ t 4VSWFJ CVEBZB QFSVTBIBBO VOUVL NFOHFUBIVJ EBO NFOHFWBMVBTJ UJOHLBU QFOHFUBIVBO QFNBIBNBO QFSTFQTJ LFQFOUJOHBO EBO LFZBLJOBO QBSB QFHBXBJ UFSIBEBQ QSPTFT USBOTGPSNBTJ PSHBOJTBTJ EBO CVEBZB QFSVTBIBBO HBS corporate values UFSTFCVUEBQBUEJJNQMFNFOUBTJLBOPMFI TFMVSVI KBKBSBO PSHBOJTBTJ CBOL bjb EBMBN TFUJBQ BLUJWJUBT TFIBSJIBSJ NBLBBLBOEJMBLVLBOVQBZBJOUFSOBMJTBTJOJMBJOJMBJ CVEBZBNFMBMVJQSPHSBNQSPHSBNCVEBZBBOUBSBMBJO t Training MBOKVUBOCBHJ change agents EBO change leaders t Workshop Cristalizing Concept SFGPSNVMBTJ TUSBUFHJ USBOTGPSNBTJCBOL bjb t .FOEPSPOH TFUJBQ VOJU LFSKB VOUVL NFNJMJLJ QSPHSBN CVEBZB t .FOHJOUFHSBTJLBOOJMBJOJMBJCVEBZBEBMBN3TZTUFN 1SPTFTQFSVCBIBOCVEBZBCVLBOMBITVBUVIBMZBOHNVEBI OBNVO EFOHBO BEBOZB LPNJUNFO ZBOH LVBU EBSJ TFMVSVI KBKBSBOPSHBOJTBTJCBOL bjb UFSVUBNB top management NBLB CBOL bjb PQUJNJTEBQBUNFMBLVLBOUSBOTGPSNBTJEBONFODBQBJ WJTJEBONJTJOZB Strategi Ketentuan Remunerasi Karyawan 4USBUFHJ LFUFOUVBO SFNVOFSBTJ LBSZBXBO CBOL bjb TBBU JOJ EJBUVS EBMBN 4, JSFLTJ P 4,34. UBOHHBM 0LUPCFS UFOUBOH 1FSVCBIBO UBT 4VSBU ,FQVUVTBO JSFLTJ 15 BOL 1FNCBOHVOBO BFSBI +BXB BSBU EBO BOUFO PNPS 4,34. UFOUBOH 1FEPNBO 1FOHFMPMBBO1FOHIBTJMBOEBOBTJMJUBT,FQFHBXBJBO EBO4, JSFLTJP4,34.UBOHHBM0LUPCFS UFOUBOH1FEPNBOSBEJOH4ZTUFNEBO4JOHMF4BMBSZ CFFO JNQMFNFOUFE CZ UIF IBOHF .BOBHFNFOU 0GmDF JWJTJPOBSF BNPOHPUIFST t 5IF GPSNBUJPO PG DVMUVSBM JOUFSOBMJ[BUJPO UFBN DPOTJTUJOH PG DIBOHF TQPOTPST DIBOHF MFBEFST DIBOHF BHFOUT BOEDIBOHFUBSHFUT BTXFMMBTUIFIBOHF.BOBHFNFOU 0GmDFJWJTJPOBTUIFEJWJTJPOSFTQPOTJCMFGPSUIFPWFSBMM DVMUVSBMJOUFSOBMJ[BUJPOQSPDFTT t 5SBJOJOHBOETPDJBMJ[BUJPOUPIBOHF-FBEFSTIBOHF HFOUT BUDI BOE t 1SJOUJOH PG TPDJBMJ[BUJPO NFEJB JO UIF GPSNT PG 9 CBOOFS TJHOXBMM CPPLMFUT NBOVBMT 1 BOEPMPHSBNBSE t JTDVTTJPO QSPHSBN PO UIF DPNQBOZT QSPWJTJPOT JODMVEJOHPODPSQPSBUFDVMUVSF JOBMMXPSLVOJUTQFSJPEJDBMMZ BUMFBTUNPOUI t PSQPSBUF DVMUVSF TVSWFZ UP EFUFSNJOF BOE FWBMVBUF UIF MFWFM PG LOPXMFEHF VOEFSTUBOEJOH JOUFSFTU QFSDFQUJPO BOECFMJFGTPGUIFFNQMPZFFTUPXBSETUIFPSHBOJ[BUJPOBM USBOTGPSNBUJPOQSPDFTTBOEDPSQPSBUFDVMUVSF PS UIF DPSQPSBUF WBMVFT UP CF BCMF UP CF JNQMFNFOUFE UISPVHIPVU UIF CBOL bjb PSHBOJ[BUJPO JO BMM EBJMZ BDUJWJUZ DVMUVSBMWBMVFTJOUFSOBMJ[BUJPOFGGPSUTXJMMCFDPOEVDUFEUISPVHI DVMUVSBMQSPHSBNT BNPOHPUIFST t EWBODFEUSBJOJOHGPSDIBOHFBHFOUTBOEDIBOHFMFBEFST t 8PSLTIPQ SJTUBMJ[JOH PODFQU SFGPSNVMBUJOH UIF USBOTGPSNBUJPOTUSBUFHZPGCBOL bjb t ODPVSBHFBMMXPSLVOJUTUPIBWFBDVMUVSFQSPHSBN t OUFHSBUJOHDVMUVSBMWBMVFTJOUIF3TZTUFN 5IF DVMUVSBM DIBOHF QSPDFTT JT OPU B USJWJBM NBUUFS CVU XJUI B TUSPOH DPNNJUNFOU GSPN BMM MFWFMT PG UIF PSHBOJ[BUJPO FTQFDJBMMZ UIF UPQ NBOBHFNFOU PG CBOL bjb CBOL bjb JT PQUJNJTUJDUIBUJUXJMMCFBCMFUSBOGPSNBOEBDIJFWFJUTWJTJPO BOENJTTJPO Employee Remuneration Determination Strategy CBOL bjb T TUSBUFHJFT UP EFUFSNJOF FNQMPZFFT SFNVOFSBUJPO JT DVSSFOUMZ SFHVMBUFE JO UIF 0 FDSFF P 4,3 4.EBUFE0DUPCFSPOUIFNFOENFOUUPUIF FDSFFPGUIF0PG15BOL1FNCBOHVOBOBFSBI+BXB BSBUEBOBOUFOP4,34.POUIFVJEFMJOFT GPSODPNFBOEBDJMJUZ.BOBHFNFOUPG1FSTPOOFM BOE0 FDSFFP4,34.EBUFE0DUPCFSPO UIFVJEFMJOFTPGSBEJOH4ZTUFNBOE4JOHMF4BMBSZ SUMBER DAYA MANUSIA 255 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Competence Development FWFMPQNFOUPGUIFBCJMJUZPGFNQMPZFFTJTBLFZQSPWJTJPOPG SFMJBCMFIVNBOSFTPVSDFTUPNFFUUIFDIBMMFOHFTPGWBSJPVT QPTJUJPOTBOEGPSUIFBDIJFWFNFOUPGBEZOBNJDQFSGPSNBODF DVMUVSF JO UIF CBOL bjb VNBO 3FTPVSDFT JWJTJPO IBT JNQMFNFOUFEBQSPHSBNBTTFTTNFOUDPOEVDUFEQFSJPEJDBMMZ 5IF QVSQPTF PG UIJT QSPHSBN JODMVEJOH UP NFBTVSF UIF m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bjb KOMPENSASI BENEFIT COMPENSATION AND BENEFIT • Evaluasi Struktur Gaji Salary Structure Evaluation • Kenaikan Gaji Berkala Periodic Salary Adjustments • Tunjangan Kendaraan Car Allowance • Fasilitas Kesehatan Medical Allowance EMPLOYEE ENGAGEMENT • Keterikatan Emosional Emotional Engagement • Dedikasi Dedication • Konsentrasi Concentration ATRAKTIF DAN KOMPETITIF ATTRACITIVE AND COMPETITIVE • Motivasi Kerja Motivation • Mempertahankan Daya Beli Maintain Purchasing Power • Standar Hidup Layak Proper Living Standard • Sesuai Ketentuan Perundang-undangan Comply with Regulation • Kemampuan Perusahaan Company Capability BUDAYA PERUSAHAAN CORPORATE CULTURE Pengembangan Kompetensi 1FOHFNCBOHBO LFNBNQVBO LBSZBXBO NFSVQBLBO LVODJ UFSTFEJBOZB TVNCFS EBZB NBOVTJB ZBOH IBOEBM VOUVL NFOKBXBCUBOUBOHBOCFSCBHBJKBCBUBOEBOCBHJUFSDBQBJOZB CVEBZB LJOFSKB ZBOH EJOBNJT EJ CBOL bjb JWJTJ 4. 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QPUFOTJ QFHBXBJ UFSIBEBQ SVNQVO KBCBUBO ZBOH EJOJMBJ NFSVQBLBO critical job EBMBNQSPTFTCJTOJTCBOL bjb HUMAN RESOURCES 256 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Kesetaraan dalam Kesempatan Berkarir dan Pengembangan Kompetensi JTFMVSVIMFWFMPSHBOJTBTJCBOL bjb TFUJBQQFHBXBJNFNJMJLJ LFTFNQBUBO ZBOH TFUBSB EBMBN QSPTFT QFOHFNCBOHBO LBSJS TFTVBJ EFOHBO LJOFSKB LPNQFUFOTJ QFOHBMBNBO EBO LSJUFSJB MBJOOZB ZBOH EJUFUBQLBO TFSUB LFTFNQBUBO EBMBN NFOEBQBULBOQFOEJEJLBOEBOQFMBUJIBO 1FOHFNCBOHBO LBSJS QFHBXBJ EBQBU EJJEFOUJmLBTJ NFMBMVJ NFUPEF assessment ZBOH EJKBEJLBO TFCBHBJ TBMBI TBUV QBSBNFUFSEBMBNQSPTFTQFOFNQBUBOQFHBXBJNFMBMVJQSPTFT NVUBTJ 4FUJBQ QFSHFSBLBO LBSJS EFOHBO UVKVBO QFOHFNCBOHBO QFHBXBJNFNQFSIBUJLBOLFTJBQBOLFDBLBQBOEBOLVBMJmLBTJ TFTVBJEFOHBOUVOUVUBOTJGBUKBCBUBOZBOHEJCVUVILBOEBMBN SBOHLBNFODBQBJUVKVBOTUSBUFHJTBOL Pendidikan dan Pelatihan JWJTJ1FOEJEJLBOEBO1FMBUJIBOUFSVTCFSLPSEJOBTJEFOHBOJWJTJ 4.EBOVOJULFSKBUFSLBJUEBMBNNFOJOHLBULBOLPNQFUFOTJ QFHBXBJQFHBXBJ EJ CBOL bjb 4FTVBJ EFOHBO 1FEPNBO 1FSTZBSBUBO1FMBUJIBO1FHBXBJCBOL bjb EBOTFTVBJ4JTUFN Grading LBNJNFNCBHJQFMBUJIBONFOKBEJUJHBLBUFHPSJ 1FMBUJIBO VUBNB ZBOH NFOKBEJ TZBSBU LFOBJLBO grade TFPSBOHQFHBXBJCBOL bjb 1FMBUJIBO UFLOJLBM CFSEBTBSLBO LPNQFUFOTJ TFTVBJ VOJU LFSKB ZBOH EJIBSBQLBO EBQBU NFOJOHLBULBO LPNQFUFOTJ TFPSBOH QFHBXBJ TFTVBJ EFOHBO job description QFLFSKBBOOZBEJMBQBOHBO 1FMBUJIBO soft skill ZBOHEJBSBILBOVOUVLQFOHFNCBOHBO EJSJQFHBXBJ WBMVBTJZBOHEJMBLVLBOPMFIJWJTJ1FOEJEJLBOEBO1FMBUJIBO BEBMBI VOUVL NFMBLVLBO quality assurance EBSJ QSPTFT QFOHFNCBOHBOTVNCFSEBZBNBOVTJBJWJTJ1FOEJEJLBOEBO 1FMBUJIBONFMBLVLBOTFCVBIQSPTFTFWBMVBTJZBOHTJTUFNBUJT BUBT QFOJOHLBUBO LPNQFUFOTJ TVNCFS EBZB NBOVTJB EJ MJOHLVOHBOCBOL bjb 1SPTFTFWBMVBTJQFOHFNCBOHBOTVNCFS EBZBNBOVTJBZBOHEJMBLVLBOJWJTJ1FOEJEJLBOEBO1FMBUJIBO UFSEJSJEBSJFNQBUUJOHLBUMFWFMZBJUVMFWFM MFWFM MFWFMEBO MFWFMZBOHEJNBOBLFFNQBUMFWFMUFSTFCVUBEBMBI reaction, learning, behavior EBO result Equality in Career Opportunity and Development of Competence UBMMMFWFMTPGUIFPSHBOJ[BUJPOPGCBOLCKC FWFSZFNQMPZFF IBTBOFRVBMPQQPSUVOJUZJOUIFDBSFFSEFWFMPQNFOUQSPDFTT JOBDDPSEBODFXJUIUIFQFSGPSNBODF DPNQFUFODF FYQFSJFODF BOEPUIFSDSJUFSJBTFUGPSUIBTXFMMBTUIFPQQPSUVOJUZUPPCUBJO FEVDBUJPOBOEUSBJOJOH NQMPZFFDBSFFSEFWFMPQNFOUDBOCFJEFOUJmFEUISPVHIUIF BTTFTTNFOU NFUIPE UIBU TFSWFT BT POF PG UIF QBSBNFUFST JO UIF QSPDFTT PG TUBGG QMBDFNFOUT UISPVHI UIF QSPDFTT PG NVUBUJPO BDIDBSFFSNPWFNFOUXJUIUIFHPBMPGFNQMPZFFEFWFMPQNFOU QBZT BUUFOUJPO UP TLJMMT BOE RVBMJmDBUJPOT SFBEJOFTT JO BDDPSEBODFXJUIUIFEFNBOETPGUIFPGmDFQPTJUJPOUIBUBSF SFRVJSFE JO PSEFS UP BDIJFWF UIF TUSBUFHJD PCKFDUJWFT PG UIF BOL Education and training 5IFEVDBUJPOBOE5SBJOJOHJWJTJPODPOUJOVFTUPDPPSEJOBUF XJUIUIFVNBO3FTPVSDFTJWJTJPOBOESFMBUFEXPSLJOHVOJUT JOJNQSPWJOHCBOL bjb FNQMPZFFTDPNQFUFODJFTDDPSEJOHUP UIFVJEFMJOFTGPSCBOL bjb NQMPZFF5SBJOJOH3FRVJSFNFOUT UISPVHI UIF SBEJOH 4ZTUFN XF DBUFHPSJ[FE USBJOJOHT JOUP UISFFDBUFHPSJFT 5IF NBJO USBJOJOH XIJDI JT B QSFSFRVJTJUF GPS HSBEF QSPNPUJPOPGCBOL bjb TFNQMPZFFT 5FDIOJDBMUSBJOJOHCBTFEPODPNQFUFODFJOBDDPSEBODF XJUI UIF XPSLJOH VOJU XIJDI JT FYQFDUFE UP JNQSPWF UIF DPNQFUFODF PG BO FNQMPZFF JO BDDPSEBODF UP UIF KPC EFTDSJQUJPOXJUIJOUIFSFMBUFEmFME 4PGUTLJMMTUSBJOJOHGPSUIFTFMGEFWFMPQNFOUPGFNQMPZFFT WBMVBUJPOTDPOEVDUFECZUIFEVDBUJPOBOE5SBJOJOHJWJTJPO JT UP QFSGPSN RVBMJUZ BTTVSBODF GSPN UIF IVNBO SFTPVSDF EFWFMPQNFOU QSPDFTT 5IF EVDBUJPO BOE 5SBJOJOH JWJTJPO DPOEVDU B TZTUFNBUJD FWBMVBUJPO QSPDFTT GPS JNQSPWJOH UIF DPNQFUFODFPGIVNBOSFTPVSDFTJOCBOL bjb 5IFFWBMVBUJPO QSPDFTTPGIVNBOSFTPVSDFEFWFMPQNFOUVOEFSUBLFOCZUIF EVDBUJPOBOE5SBJOJOHJWJTJPODPOTJTUTPGGPVSMFWFMT OBNFMZ MFWFM MFWFM MFWFMBOEMFWFMJOXIJDIUIFTFGPVSMFWFMTBSF SFBDUJPO MFBSOJOH CFIBWJPSBOESFTVMU SUMBER DAYA MANUSIA 257 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data

a. Evaluasi Training Level 1: Reaction

WBMVBTJ MFWFM JOJ NFOHVLVS UJOHLBU LFQVBTBO QFTFSUB TFUFMBI NFOHJLVUJ training 4FMBJO JUV VOUVL NFOHFUBIVJ PQJOJ EBSJ QBSB QFTFSUB NFOHFOBJ training ZBOH EJJLVUJOZB BSB ZBOH CJBTB EJMBLVLBO BEBMBI NFNJOUB QBSB QFTFSUB VOUVL NFOHJTJ TFCVBI LVFTJPOFS ZBOH CFSJTJ QFSUBOZBBOQFSUBOZBBO UFOUBOH SFBLTJ EBO LFTBO NFSFLB BUBT QFOZFMFOHHBSBBO training UFSTFCVU BMIBM ZBOHEJFWBMBTJQBEBMFWFMJOJBOUBSBMBJONFOHFOBJNBUFSJ training JOTUSVLUVS trainer GBTJMJUBTZBOHEJTFEJBLBO XBLUV QFOZFMFOHHBSBBO TFSUBNFUPEFZBOHEJHVOBLBO 4FKBVI JOJ QSPTFT FWBMVBTJ MFWFM EJMBLVLBO PMFI JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO QBEB TFUJBQ QFMBUJIBO ZBOH EJTFMFOHHBSBLBO PMFI JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO CBJL ZBOH EJTFMFOHHBSBLBO EBMBN CFOUVL in house training NBVQVOQFMBUJIBO public training EBMBNEBOMVBS OFHFSJ,IVTVTVOUVLQFOHVLVSBOQBEBQFMBUJIBOQVCMJL EJMBLVLBO EFOHBO NFOHHVOBLBO QFOEFLBUBO vendor assesment ZBJUVQFOHVLVSBOLVBMJUBT trainer NBUFSJEBO GBTJMJUBT QFMBUJIBO ZBOH EJTFMFOHHBSBLBO PMFI WFOEPS WFOEPSQFMBUJIBOEJNBOBJWJTJ1FOEJEJLBOEBO1FMBUJIBO NFOHJLVUTFSUBLBOQFHBXBJCBOL bjb EBMBNQFMBUJIBOZBOH EJTFMFOHHBSBLBOPMFI vendor-vendor QFMBUJIBOUFSTFCVU

b. Evaluasi Training Level 2: Learning

5VKVBO FWBMVBTJ UBIBQ JOJ BEBMBI NFOHVLVS TBNQBJ TFKBVI NBOB NBUFSJ ZBOH EJCFSJLBO TFMBNB QFMBUJIBO UFMBI EJQBIBNJ EJIBZBUJ EBO EJJOHBU PMFI QBSB QFTFSUB 1FOHVLVSBO CJBTBOZB EJMBLTBOBLBO EBMBN CFOUVL UFT ZBOHEJMBLVLBOTFCFMVNEBOTFTVEBI training 5JHBEPNBJOLPNQFUFOTJ knowledge, skills EBO attitudes NFSVQBLBOIBMIBMZBOHEBQBUEJCFSJLBOEBOEJVLVSEBMBN TVBUVQFMBUJIBO0MFILBSFOBOZB FWBMVBTJQBEBMFWFMJOJ KVHB NFOFLBOLBO QBEB TFCFSBQB KBVI QFNCFMBKBSBO learning QFTFSUB BUBT NBUFSJ training EBMBN LPOUFLT NFOJOHLBULBOLPNQFUFOTJNFSFLB 6OUVL NFOHFUBIVJ BQBLBI TFPSBOH QFTFSUB UFMBI NFNBIBNJ EFOHBO CBJL NBUFSJ training ZBOH EJJLVUJOZB EJMBLVLBOQFOHVKJBOTFCFMVNEBOTFTVEBI training pre- test EBO post-test EFOHBONBUFSJZBOHTBNBBUBVUJEBLKBVI CFSCFEBTFIJOHHBIBTJMOZBEBQBUEJQFSCBOEJOHLBO+JLB UFSEBQBU QFOJOHLBUBO TLPS IBTJM post-test EJCBOEJOHLBO pre-test NBLB EJZBLJOJ CBIXB QFTFSUB UFSTFCVU UFMBI NFNJMJLJ QFNBIBNBO ZBOH MFCJI CBJL TFCBHBJ EBNQBL NFOHJLVUJ training

a. Evaluation of Training Level 1: Reaction

5IJTMFWFMPGFWBMVBUJPONFBTVSFTUIFMFWFMPGTBUJTGBDUJPO PGUIFQBSUJDJQBOUTBGUFSUIFUSBJOJOHEEJUJPOBMMZ UPPCUBJO UIF PQJOJPO PG UIF QBSUJDJQBOUT SFHBSEJOH UIF USBJOJOH QBSUJDJQBUFE5IFVTVBMXBZJTUPBTLUIFQBSUJDJQBOUTUP mMM PVU B RVFTUJPOOBJSF DPOUBJOJOH RVFTUJPOT BCPVU UIFJS SFBDUJPOT BOE JNQSFTTJPOT PO UIF JNQMFNFOUBUJPO PG UIF USBJOJOH 5IJOHT UIBU DBO CF FWBMVBUFE BU UIJT MFWFM BSF BNPOH PUIFST USBJOJOH NBUFSJBMT JOTUSVDUPSTUSBJOFST GBDJMJUJFT QSPWJEFE JNQMFNFOUBUJPO UJNF BT XFMM BT UIF NFUIPETVTFE 4P GBS UIF MFWFM FWBMVBUJPO QSPDFTT JT DPOEVDUFE CZ UIF EVDBUJPO BOE 5SBJOJOH JWJTJPO PO BOZ USBJOJOH DPOEVDUFE CZ UIF EVDBUJPO BOE 5SBJOJOH JWJTJPO CPUI PSHBOJ[FE JO UIF GPSN PG JOIPVTF USBJOJOH BT XFMM BT QVCMJD USBJOJOH BU IPNF BOE PWFSTFBT 1BSUJDVMBSMZ GPS UIFBTTFTTNFOUPGQVCMJDUSBJOJOHJTDPOEVDUFECZVTJOH UIF WFOEPS BTTFTTNFOU BQQSPBDI OBNFMZ NFBTVSJOH UIF RVBMJUZ PG USBJOFST NBUFSJBMT BOE USBJOJOH GBDJMJUJFT PSHBOJ[FECZUBJOJOHWFOEPSTJOXIJDIUIFEVDBUJPOBOE 5SBJOJOHJWJTJPOJODMVEFCBOL bjb FNQMPZFFTJOUSBJOJOHT PSHBOJ[FECZUIFUSBJOJOHWFOEPST

b. Evaluation of Training Level 2: Learning

5IF PCKFDUJWF PG UIJT FWBMVBUJPO TUBHF JT UP NFBTVSF UIF FYUFOU UIF NBUFSJBM QSPWJEFE EVSJOH UIF USBJOJOH IBT CFFO VOEFSTUPPE JOUFSOBMJ[FE BOE SFNFNCFSFE CZ UIF QBSUJDJQBOUT5IFBTTFTTNFOUJTVTVBMMZDBSSJFEPVUJOUIF GPSNPGUFTUTQFSGPSNFECFGPSFBOEBGUFSUIFUSBJOJOH 5ISFF EPNBJOT PG DPNQFUFODF LOPXMFEHF TLJMMT BOE BUUJUVEFT BSF NBUUFST UIBU DBO CF QSPWJEFE BOE NFBTVSFEJOBUSBJOJOH5IFSFGPSF FWBMVBUJPOBUUIJTMFWFM BMTP FNQIBTJ[FT UIF FYUFOU PG MFBSOJOH PG QBSUJDJQBOUT PO UIF USBJOJOH NBUFSJBM JO UIF DPOUFYU PG JNQSPWJOH UIFJS DPNQFUFODF 5P EFUFSNJOF XIFUIFS B QBSUJDJQBOU IBT B HPPE VOEFSTUBOEJOH PO UIF USBJOJOH NBUFSJBMT UIBU IF TIF QBSUJDJQBUFE JO QSFUFTU BOE QPTUUFTU XJUI UIF TBNF PS TJNJMBS NBUFSJBM BSF DPOEVDUFE TP UIBU SFTVMUT DBO CF DPNQBSFE G UIFSF JT BO JODSFBTF JO UIF UIF QPTUUFTU TDPSFT SFTVMUT PG DPNQBSFE UP UIF QSFUFTU SFTVMUT JU JT CFMJFWFEUIBUUIFQBSUJDJQBOUIBTBCFUUFSVOEFSTUBOEJOH BTBOJNQBDUPGUIFUSBJOJOH HUMAN RESOURCES 258 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO JWJTJ1FOEJEJLBOEBO1FMBUJIBOTFMBMVNFMBLVLBOFWBMVBTJ EJ MFWFM JOJ QBEB TFUJBQ QFMBUJIBO ZBOH EJTFMFOHHBSBLBO TFDBSB in house +FOJTQFMBUJIBOZBOHUFMBINFOFSBQLBO FWBMVBTJ MFWFM BEBMBI QFMBUJIBOQFMBUJIBO ZBOH EJLMBTJmLBTJLBO TFCBHBJ QFMBUJIBO UFLOJLBM QFOEVLVOH QFLFSKBBO EBO QFMBUJIBO XBKJC 5FSEBQBU CFCFSBQB NFUPEFFWBMVBTJZBOHTFSJOHEJHVOBLBOVOUVLNFMBLVLBO QFOHVLVSBO IBTJM QFMBUJIBO .FUPEF FWBMVBTJ ZBOH EJHVOBLBO CJBTBOZB CFSCFOUVL UFT UFSUVMJT pre test EBO post test BQBCJMB QFMBUJIBO UFSTFCVU MFCJI NFOFLBOLBO QBEBQFOJOHLBUBOQFNBIBNBOQFTFSUBNFOHFOBJTVBUV NBUFSJ QBCJMB TFCVBI QFMBUJIBO MFCJI NFOFLBOLBO QFOUJOHOZB QFOHVBTBBO TFCVBI skills LFUFSBNQJMBO UFSUFOUV NFUPEFFWBMVBTJEJMBLVLBOEBMBNCFOUVL role play TJNVMBTJNBVQVOUFTQSBLUJL4FMBJOJUVJWJTJ1FOEJEJLBO EBO 1FMBUJIBO KVHB NFOHHVOBLBO NFUPEF PDVT SPVQ JTDVTTJPO EBO 4UVEJ ,BTVT VOUVL NFOHVKLVS FGFLUJWJUBT TFTJ QFMBUJIBO ZBOH NFOJUJLCFSBULBO QBEB QFOJOHLBUBO LPNQFUFOTJ problem solving QBEBQBSBQFTFSUBOZB

c. Evaluasi Training Level 3: Behavior

WBMVBTJ MFWFM EJMBLVLBO VOUVL NFOHFUBIVJ TFCFSBQB KBVI QFSVCBIBO ZBOH UFSKBEJ QBEB EJSJ QFTFSUB QBEB TBBU QFTFSUB LFNCBMJ LF MJOHLVOHBO QFLFSKBBOOZB TFUFMBI NFOHJLVUJ training LIVTVTOZB QFSVCBIBO QBEB behavior LFUJHB EPNBJO LPNQFUFOTJ knowledge skills EBO attitudes 1FOHVLVSBO ZBOH EJMBLVLBO QBEB MFWFM JOJ MFCJI EJUJUJLCFSBULBO LFQBEB QFSVCBIBOQFSVCBIBO EBMBN job behavior BQBTBKBZBOHUFSKBEJTFUFMBITFPSBOH QFHBXBJ NFOHJLVUJ training UFSUFOUV FOHBO LBUB MBJO FWBMVBTJ MFWFM JOJ UBL DVLVQ IBOZB TFLFEBS NFOHVLVS QFSVCBIBO ZBOH UFSKBEJ QBEB behavior QFTFSUB TFUFMBI NFOHJLVUJQFMBUJIBO OBNVOMFCJIKBVIMBHJQFSMVEJFWBMVBTJ QVMBTFKBVINBOBQFSVCBIBOZBOHUFSKBEJUFSTFCVUEBQBU EJUFSBQLBOEBMBNQSBLUJLLFSKBTFIBSJIBSJOZBWBMVBTJJOJ QFSMVEJMBLVLBOLBSFOBCJTBTBKBQFSVCBIBOZBOHEJBMBNJ PMFIQFTFSUB training CFSVQBNFOJOHLBUOZBQFOHFUBIVBO CFSUBNCBIOZB LFUFSBNQJMBO BUBV CFSVCBIOZB QFSJMBLV EBMBN LJOFSKB QBEB LFOZBUBBOZB UJEBL EBQBU NFNCBXB QFOHBSVI CFTBS LFUJLB EJDPCB VOUVL EJUFSBQLBO EBMBN QFLFSKBBOOOZB IBM NBOB EJTFCBCLBO PMFI BEBOZB GBLUPSGBLUPS non training ZBOH NFOKBEJ QFOHIBNCBU NJTBMOZB TJTUFN PQFSBTJPOBM ZBOH LVSBOH NFOEVLVOH MJOHLVOHBOLFSKBZBOHLVSBOHLPOEVTJGEBOTFCBHBJOZB CBILBO business process ZBOH UJEBL CFSKBMBO EFOHBO TFCBHBJNBOBNFTUJOZB 5IF EVDBUJPO BOE 5SBJOJOH JWJTJPO BMXBZT QFSGPSNT BOFWBMVBUJPOBUUIJTMFWFMPOBOZUSBJOJOHDPOEVDUFEJO IPVTF 5IF UZQFT PG USBJOJOH UIBU IBWF JNQMFNFOU UIF MFWFMFWBMVBUJPOBSFUSBJOJOHTDMBTTJmFEBTXPSLUFDIOJDBM TVQQPSUUSBJOJOHBOENBOEBUPSZUSBJOJOH5IFSFBSFTFWFSBM FWBMVBUJPO NFUIPET UIBU BSF PGUFO VTFE UP NFBTVSF UIF USBJOJOH SFTVMUT 5IF VTVBMMZ VTFE FWBMVBUJPO NFUIPE JT JOUIFGPSNPGBXSJUUFOUFTU QSFUFTUBOEQPTUUFTU JGUIF USBJOJOHQVUTNPSFFNQIBTJTPOJNQSPWJOHUIFQBSUJDJQBOUT VOEFSTUBOEJOH PG UIF NBUFSJBM G B USBJOJOH FNQIBTJ[FT NPSFPOUIFJNQPSUBODFPGNBTUFSZPGBTLJMMTQFDJmDTLJMMT UIFFWBMVBUJPONFUIPEJTQFSGPSNFEJOUIFGPSNPGSPMFQMBZ TJNVMBUJPO BOE QSBDUJDF UFTUT O BEEJUJPO UIF EVDBUJPO BOE5SBJOJOHJWJTJPOBMTPVTFTPDVTSPVQJTDVTTJPO BOEBTF4UVEJFTUPNFBTVSFUIFFGGFDUJWFOFTTPGUSBJOJOH TFTTJPOT UIBU GPDVT PO JNQSPWJOH UIF DPNQFUFODF PG QSPCMFNTPMWJOHUPJUTQBSUJDJQBOUT

c. Evaluation of Training Level 3: Behavior

5IFMFWFMFWBMVBUJPOJTDPOEVDUFEUPEFUFSNJOFIPXGBS UIF DIBOHFT IBWF PDDVSFE UP UIF QBSUJDJQBOUT XIFO UIF QBSUJDJQBOUT SFUVSOFE UP UIF XPSL FOWJSPONFOU BGUFS UIF USBJOJOH QBSUJDVMBSMZUPUIFCFIBWJPSTPGUIFUISFFEPNBJOT PG DPNQFUFODJFT LOPXMFEHF TLJMMT BOE BUUJUVEFT WBMVBUJPO QFSGPSNFE BU UIJT MFWFM FNQIBTJ[FT NPSF PO DIBOHFTJOKPCCFIBWJPS XIBUIBQQFOTBGUFSBOFNQMPZFF QBSUJDJQBUFJOBTQFDJm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bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UFMBI NFMBLVLBO QFOHVLVSBOQBEBMFWFMJOJVOUVLQFMBUJIBOQFMBUJIBOZBOH TJGBUOZB UFLOJLBM QFOEVLVOH QFLFSKBBO 1FNJMJIBO KFOJT QFMBUJIBO JOJ EJMBUBSCFMBLBOHJ PMFI UJOHLBU LFQFOUJOHBO QFMBUJIBO EBMBN NFOJOHLBULBO LPNQFUFOTJ QFHBXBJ EBMBN QFLFSKBBO TFIBSJIBSJ EJNBOB QFHBXBJ EBQBU TFDBSB MBOHTVOH NFOFSBQLBO NBUFSJ QFMBUJIBO EBMBN QFLFSKBBOTFIBSJIBSJ4FMBJOJUVQFNJMJIBOKFOJTQFMBUJIBO UFLOJLBM KVHB MFCJI EJTFCBCLBO PMFI QFSJMBLV LFSKB QBEB LPNQFUFOTJ ZBOH EJUJOHLBULBO NFMBMVJ QFMBUJIBO KFOJT JOJ NFSVQBLBOQFSJMBLVLFSKBZBOH over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in house

d. Evaluasi Training Level 4: Business Impact

WBMVBTJ MFWFM NFSVQBLBO FWBMVBTJ ZBOH NFOHVLVS TFKBVINBOB training ZBOHEJMBLVLBONFNCFSJLBOEBNQBL IBTJM result UFSIBEBQ QFOJOHLBUBO LJOFSKB QBSB QFTFSUB IBTJM QFMBUJIBO VOJU LFSKB NBVQVO QFSVTBIBBO TFDBSB LFTFMVSVIBO ,BSFOB SFTVMU ZBOH EJQFSPMFI TFSJOHLBMJ NFSVQBLBOTFTVBUVZBOHTBOHBUTVMJUVOUVLEJLVBOUJm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

d. Evaluation of Training Level 4: Business Impact

5IFMFWFMFWBMVBUJPOJTBOFWBMVBUJPOUPNFBTVSFUIFFYUFOU PGUSBJOJOHDPOEVDUFEUPQSPWJEFBOJNQBDUSFTVMUUPXBSET UIF JODSFBTF PG QFSGPSNBODF PG UIF USBJOJOH QBSUJDJQBOUT XPSL VOJUT BOE UIF DPNQBOZ BT B XIPMF FDBVTF UIF SFTVMUPCUBJOFEJTPGUFOTPNFUIJOHUIBUJTWFSZEJGmDVMUUP RVBOUJmFE TVDIBTJNQSPWFERVBMJUZPGXPSL JODSFBTJOH QSPEVDUJWJUZ JODSFBTF KPC TBUJTGBDUJPO DPNNVOJDBUJPO HUMAN RESOURCES 260 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO TFNBLJO NFOJOHLBU QFOJOHLBUBO LFQVBTBO LFSKB FGFLUJWJUBT LPNVOJLBTJ QFOVSVOBO UJOHLBU LFTBMBIBO QFOJOHLBUBOLFSKBTBNBBOUBSQFHBXBJ EBOTFCBHBJOZB 1FOHVLVSBO QBEB MFWFM JOJ SFODBOBOZB BLBO NVMBJ EJMBLVLBO PMFI JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO QBEB 5SJXVMBO7UBIVO 5BIVO 1FOEJEJLBO EBO 1FMBUJIBO ZBOH UFMBI EJTFMFOHHBSBLBOPMFI1FSTFSPBOVOUVLQFOHFNCBOHBO4. BEBMBI TFCBOZBL KFOJT 1FOEJEJLBO EBO 1FMBUJIBO ZBOH EJJLVUJPMFIQFTFSUB JWJTJ QFOEJEJLBO EBO QFMBUJIBO UFMBI NFOZVTVO QSPHSBN QFMBUJIBO EBMBN CFOUVL Training Program Academy ZBOH NFOHBUVS QSPHSBN QFMBUJIBO QFHBXBJ CBOL bjb ZBOH EJTFTVBJLBO EFOHBO LFUFOUVBO TJTUFN grading ZBOH UFMBI EJUFUBQLBO PMFI JWJTJ 4VNCFS BZB .BOVTJB CFSEBTBSLBO LPNQFUFOTJKBCBUBO competency based 1SPHSBNQFMBUJIBO UFSTFCVUUFMBIEJBUVSEBMBN4VSBU,FQVUVTBOJSFLTJP 4,31-5UBOHHBM0LUPCFSUFOUBOH1FEPNBO 1FSTZBSBUBO 1FMBUJIBO 1FHBXBJ CBOL bjb 4FTVBJ 4JTUFN Grading EJNBOB QSPHSBN QFSTZBSBUBO QFMBUJIBO EJTVTVO VOUVLTFUJBQ grade ZBOHEJCBHJEBMBN 1FMBUJIBO6UBNB 1FMBUJIBO1JMJIBO 5FLOJLBM Softskill EBO4FSUJmLBTJ FSJLVU BEBMBI CFCFSBQB KFOJT QFMBUJIBO ZBOH TVEBI EJTFMFOHHBSBLBOTFMBNBUBIVO No. Diklat Grade 1 DDPVOU0GmDFS,POTVNFS DDPVOU0GmDFS.JLSP DDPVOUJOHOBMZTJT3FQPSUJOH DDPVOUJOHFTU1SBDUJDFT DDPVOUJOHPODFQUPSSFEJUOBMZTJT ENJOJTUSBTJ,SFEJU 7 EWBODFE5SBJOJOH5P44 LVOUBOTJBOLBTBS LVOUBOTJFSJWBUJGBOOTUSVNFO,FVBOHBO-BJOOZB LVOUBOTJ1SPEVLFWJTB NB[JOH1VCMJD4QFBLJOH OBMJT,13 OBMJT,SFEJU,PNFSTJBM OBMJTB1FNCJBZBBO,SFEJUOWFTUBTJPUFM OBMJTJTOWFTUBTJBO1PSUGPMJP QQSBJTBM1SPQFSUZ 16115 No. Diklat Grade 1 TQFLVLVN,FQBJMJUBO TTFU-JBCJMJUJFT.BOBHFNFOU -. VEJU-FOHLBQUBT5FLOPMPHJ4JTUFNOGPSNBTJ BOLVTUPNFS1SPmUBCJMJUZOBMZTJT BTFM III .PEBM-JLVJEJUBT BTJD-. BTJDVEJU5FDIOJRVFT5PPMTGPSFXVEJUPS BTJD-JGF4VQQPSU BTJD4UBUJTUJDBOEBUBOBMZTJT BTJD5SBEFJOBODF BTJD5SFBTVSZGPSOUFSOBMVEJUPS BTJD5SFBTVSZ.BOBHFNFOU FBVUZMBTTCBOL bjb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bjb FNQMPZFFUSBJOJOHQSPHSBNTUBJMPSFEUPUIFQSPWJTJPOT PGUIFHSBEJOHTZTUFNFTUBCMJTIFECZUIFJWJTJPOPGVNBO 3FTPVSDFT BOE CBTFE PO KPC DPNQFUFODZ DPNQFUFODZ CBTFE 5IF USBJOJOH QSPHSBN JT SFHVMBUFE JO UIF FDSFF PG UIF0P4,31-5EBUFE0DUPCFS PO UIFVJEFMJOFTGPSCBOL bjb NQMPZFF5SBJOJOH3FRVJSFNFOUT UISPVHIUIFSBEJOH4ZTUFN XIFSFUIFUSBJOJOHSFRVJSFNFOUT QSPHSBNJTTUSVDUVSFEGPSFBDIHSBEFBOEEJWJEFEJOUP .BJO5SBJOJOH 4FMFDUJWF5SBJOJOH 5FDIOJDBM 4PGUTLJMM BOEFSUJmDBUJPO 5IFGPMMPXJOHBSFTFWFSBMUZQFTPGUSBJOJOHXIJDIIBWFCFFO PSHBOJ[FEEVSJOH 261 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 1 PPTU:PVS1PUFOUJBMPNNVOJDBUJPO4LJMM SBODIMFTTBOLJOH3FWPMVUJPO.FOZBNCVUSB-BZBOBO-BLV 1BOEBJ VTJOFTTOBMZTJTPVOEBUJPO VTJOFTT-FHBMBOEPOUSBDUSBGUJOH BEBOHBO,FSVHJBO1FOVSVOBOJMBJ BMPO1FHBXBJSPOUMJOFS BSB-JHBU.FMBLTBOBLBO1,5BOQB,POnJL BTI.BOBHFNFOU BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU FSUJmFEOWFTUPS3FMBUJPOT IBOHFHFOU IBSBDUFSVJMEJOH PNQMBJOU.BOBHFNFOU PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH PNQSFIFOTJWFSFEJUOBMZTJTFSCBTJT3JTJLP POTVMUBUJWF4FMMJOHGPSBOLJOH POUSBDU.BOBHFNFOU PPSEJOBUJPOBOE5FBNXPSL5FMMFS PSQPSBUFVMUVSF PSQPSBUFWFOU.BOBHFNFOU PSQPSBUF-BX PTUOEFOFmUOBMZTJT PTUFOFm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nJDUU8PSLQMBDF PX5PSFBUF-4.,8JUI93- No. Diklat Grade 1 1405FLOJL.FNFOBOHLBO5FOEFS1FOHBEBBOBSBOH+BTB 34 VLVN,FQBJMJUBO VLVN,FUFOBHBLFSKBBOVCVOHBOOEVTUSJBM VLVN,POUSBL,POTUSVLTJ VLVN1FSLSFEJUBO1FSCBOLBO EFOUJmLBTJ1FSNBTBMBIBOBMBN.FMBLVLBO4FMGTTFTTNFOUUBT 5JOHLBU,FTFIBUBOBOL4FSUB.FLBOJTNF,POTPMJEBTJ-BQPSBO5LTBOL ,POWFOTJPOBM NQMFNFOUBTJVEJUOUFSOBOLFSCBTJT3JTJLP 3 NQMFNFOUBTJ43 NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB NQMFNFOUBTJ5ISFF-JOFTPGFGFODF NQMFNFOUJOH42-4FSWFSBUB8BSFIPVTF NQSPWJOHPNQFUFODZPSVEJUJOH5SBEJOH OGPSNBUJPO5FDIOPMPHZVEJUJOH OOPWBUJWFBSLFUJOH4USBUFHZ OUFSNFEJBUFBOLJOH OUFSOBUJPOBMBOLVBSBOUFF OWFTUJHBTJSBVE1BEBJTOJT.PCJMFBOLJOHBO1FODFHBIBOOZB FOHBO1FOFSBQBO.BOBKFNFO3JTJLP I 51FSCBOLBO +PCWBMVBUJPOOEFWFMPQNFOU4BMBSZ ,FJLVUTFSUBBO1PSUGPMJP.JLSP4FDBSBFQBUBONBO ,FTFLSFUBSJBUBO ,FXBTQBEBBOBO5BOUBOHBOBOLJJEBOH1FOHBXBTBOBO 1FOHFOEBMJBO ,,1 ,VQBT5VOUBT1FOFSBQBO1TBL ,VQBT5VOUBT1QIBEBOBO,PSFLTJJTLBM -FHBMVEJUOE-FHBM0QJOJPOSBGUJOH -FHBMSBGUJOHOE8SJUJOH -JRVJEJUZ3JTL.BOBHFNFOU -PBO.POJUPSJOH4VQFSWJTJPO .BDSPDPOPNJDOBMZTJT .BOBHFNFOUBSFFS .BOBHJOH4FSWJDFYDFMMFOU .BOBHJOH4USFTUPS1SBDUJDBM1VSQPTF .BOBKFNFOENJOJTUSBTJ1FSLBOUPSBO.PEFSO .BOBKFNFO,PQFSBTJ .BOBKFNFO1FSQVTUBLBBO .BOBKFNFO1FSVCBIBO .BOBKFNFO4USBUFHJTBO1FOHBNCJMBO,FQVUVTBOFOHBO.FUPEF1 1 .BOBKFNFO6NVNBOB1FOTJVO .BSLFU0VUMPPLOWFTUNFOU .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN .FOUBMJUZPPTUFS5SBJOJOH .FUPEF1FOFHBLBO,FQBUVIBO1BEBOUFSOBM1FSCBOLBO .FUPEF1FOZVTVOBOQT1FSVTBIBBO .PCJMFQQMJDBUJPOFWFMPQNFOUPSOESPJE .PUJWBUJPO4UBGGPSYDFMMFOU FFETOBMZTJT PO1FSGPSNJOH-PBO.BOBHFNFOUPS,SFEJU6TBIB3BLZBU 0GmDFIBOOFMJOH 0QFSBTJPOBMBOLBTBS 0QFSBUJPO3JTL.BOBHFNFOU 0QFSBUJPOBM3JTL.BOBHFNFOU HUMAN RESOURCES 262 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 1 0QUJNJ[JOHOE.PUJWBUJOHBSFFS8PNBO 0QUJNJ[JOH0GmDFS4LJMMT 0VUCPOEBCBOHBMBSBKB 1BZNFOUOEBTI.BOBHFNFOU 1FEPNBO5FLOJT1FOZVTVOBOBO1FOFUBQBO4QFTJmLBTJBO14 1FMBUJIBOJHJUBM.BSLFUJOH PMMFDUJOH7FSJmDBUJPOOEBUBENJOJTUSBUJPO 1FMBUJIBOPSQPSBUF-FHBMBOLJOH4IPSUPVSTF 1FNCJOBBO1FUVHBT,,FCBLBSBO5JQF 1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBOBO ,FXBKJCBO1FSQBKBLBOVMBOBO5BIVOBO4FSUB5BUBDBSB1FOHJTJBO415 5BIVOBO 118101BEBO5BIVO1BKBLPSNBUBSV 1FOEJEJLBOBO1FMBUJIBOBMPO1FHBXBJOHLBUBO 1FOEJEJLBOBTBS1FOJMBJBO1SPQFSUJ 11 1FOHBEBBOBSBOHBO+BTB 1FOHFNCBOHBOJUVS5.JVOJB1FSCBOLBO 1FOHFOBMBOBO1FOHFNCBOHBO5. 1FOHVLVSBOmTJFOTJ,BOUPSBCBOHFOHBO.FUPEF 1FOJMBJBOTFUBO1FOJMBJBO6TBIB 1FOJMBJBOBO1FOJOHLBUBO4FSWJDF2VBMJUZFOHBO4JY4JHNB.FUIPEF 6OUVL,FQVBTBO 1FOJMBJBOmTJFOTJ,JOFSKBBCBOH 1FOJOHLBUBO.VUVBO,FUFSBNQJMBO4FSUBBUIFSJOHBHJ,BTJS5FMMFS 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FOZVTVOBO401 1FSBOBOL.FODFHBIBO.FNCFSBOUBT5QQVBO5JOEBL,FKBIBUBO 1FSCBOLBO 1FSBOBOL,VTUPEJBOBMBN1BTBS.PEBMOEPOFTJB 1FSQBKBLBOi111BTBMM6QEBUF 415FOUVLBSV 4155BIVO 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1FSTPOBMENJOJTUSBUJPOFWFMPQNFOU1SPHSBN 1PXFSGVMM4LJMMPS.BSLFUJOHPNNVOJDBUJPO 116QEBUF 1SJOTJQ1SJOTJQ.FOHFOBMBTBCBI 1SPDVSFNFOU1VSDIBTJOH.BOBHFNFOU 1SPEVDU,OPXMFEHF3FLTBEBOB 1SPGFTTJPOBM5SBJOJOHPPSEJOBUPS 1VCMJD4QFBLJOHOE1SFTFOUBUJPO4LJMM 3FDSVJUNFOUOE4FMFDUJPO 3FGSFTINFOU,FUFOUVBOBO,FQBUVIBO1FSCBOLBO 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FNFEJBMOBMJTB,SFEJU,PNFSTJBM 3FUVSO0O5SBJOJOHOWFTUNFOU 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 4BMFT4FSWJDFIBNQJPOPSPTUVNFS4FSWJDF 4BT1SPHSBNNJOH 4DIPPM0GPOETOEJYFEODPNF 4FMMJOH5FDIOJRVFPSBOLJOH1SPEVDU 4FMMJOH8JUIIBSBDUFS4FDPOE-FWFM 4FNJOBSOEPOFTJBZCFSSJNF4VNNJU 4FNJOBS.BLJOH5IF:FBS0GDPOPNJDTVTTJOFTPOmEFODF 4FNJOBSBTJPOBM,POTFQTJQMJLBTJ1SPHSBN1+4,FTFIBUBO5FOBHB ,FSKB 4FNJOBS1PXFS1SPTQFDUJOH5FDIOJRVFT5P5SJQMF4BMFT 4FNJOBS4FDSFUBSZ0G1TIZDPMPHZU8PSL 4FNJOBS4VSBUFSIBSHB .POFZ.BSLFU BO-JRVJEJUZ.BOBHFNFOU No. Diklat Grade 1 4FNJOBS5FOBHB,FSKBBO1+4 4FSUJm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mLBTJ1FOHBEBBOBSBOHBO+BTB 6KJBO4UBOEBS1SPGFTJBQFO 6KJBO8BQFSE 6OEFSTUBOEJOH5IFFX-JRVJEJUZ3FRVJSFNFOUOBTFM III 5IF-JRVJEJUZ PWFSBHF3BUJP -3 OEFU4UBCMFVOEJOH3BUJP 43 7JTVBM1SPHSBNNJOHVOEBNFOUBM 8BQFSE 8FBMUI.BOBHFNFOUOEJOBODJBM1MBOOJOH 8FCFWFMPQNFOU6TJOH5.-44OE+BWBTDSJQU ,FTBMBIBO6UBNBBMBN1FNCJBZBBO6LNBO4USBUFHJBMBN LTQBOTJ6,. ENJOJTUSBTJOBMJT,SFEJU OBMJTB-BQPSBO,FVBOHBO OBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 JNUFL1FSQFTP5I+PQFSQSFTP5I5FOUBOH 1FOHBEBBOBSBOH+BTB1FNFSJOUBI POE.BSLFUOTUSVNFOU FHBIFOEB-BQPSBOBOL6NVN SFEJUVEJU SFEJU3JTLOBMZTJT LTFLVTJ+BNJOBOVUBOH.JMJOH1FSCBOLBO FOFSBUJPO:O5IF8PSLQMBDF PX5PBOEMFPNQMBJOU1SPGFTTJPOBMMZ 4JNVMBTJ-FOHLBQNQMFNFOUBTJJWJTJ6OJU,SFEJU.JLSP .FBTVSJOH1SPNPUJPOGGFDUJWFOFTT SUMBER DAYA MANUSIA 263 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 1 .FOZVTVO,FSBOHLB4USBUFKJL3FODBOBJTOJTBOLBO.FOHVKJTVNTJ .FMBMVJJOBODJBM.PEFMMJOH BTJPOBMTQFLVLVNLTFLVTJUBT+BNJOBO,SFEJU BTJPOBM1SPTFEVSBO5FLIOJLVEJU4. BTJPOBM4FLSFUBSJT 1BOEVBO.FODBQBJ1FSJOHLBUBO6KJ4USBUFHJ.FMBMVJ3PPU BVTFE1BEB3JTL0XOFS 1BTBS.PEBM 1FOHFOEBMJBOSBUJmLBTJ8IJTUMFCMPXJOH 1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO 1PXFSGVMM4LJMMTPS.BSLFUJOHPNNVOJDBUJPOT 2VBMJUZTTVSBODF 2VBMJUZTTVSBODF4FCBHBJ5FIOJL1FOHVBUBOOUFSOBMPOUSPMBO .FNJUJHBTJ3JTJLP0QFSBTJPOBM4FKBMBOFOHBO1CJP1CJ 4FMVLFMVL5SBEFJOBODFBMBN3BOHLB.FOJOHLBULBOFFBTFE ODPNF 4JNVMBTJNQMFNFOUBTJ14,BO1FSIJUVOHBO1FSQBKBLBOBMBN 5SBOTBLTJBOB1JIBL,FUJHBBOL No. Diklat Grade 2 PDVNFOUPOUSPMOEJMMJOH4ZTUFN 3171SPHSBNNJOHBTJD5PEWBODF 0VUCPOE No. Diklat Grade 3 DDPVOU0GmDFS,POTVNFS ENJOJTUSBTJ,SFEJU ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM LVOUBOTJBOLBTBS OBMJTB,SFEJU,PNFSTJBM DDPVOU0GmDFS.JLSP 7 QQSBJTBM1SPQFSUZ BTJD5SBEFJOBODF FBVUZMBTTCBOL bjb BCBOH,BSBXBOH JTOJT-FHBM VEBZB1FSVTBIBBOBHJ1FHBXBJ1FMBLTBOB IBOHFHFOU IBSBDUFSVJMEJOH POTVMUBUJWF4FMMJOHPSBOLJOH SFEJU3FWJFXFS.JLSP JOBODJBM.PEFMMJOHPSBOLT SBQIPOPNZ ,FTFLSFUBSJBUBO .FOUBMJUZPPTUFS5SBJOJOH .JDSPTPGUYDFMEWBODFEPSVTJOFTT DDPVOUJOHOE.BOBHFNFOU 0QFSBTJPOBMBOLBTBS 0VUCPOE PSQPSBUF-FHBMBOLJOH4IPSUPVSTF .BOBHFNFOUBSFFS 4FMMJOH5FDIOJRVFPSBOLJOH1SPEVDU No. Diklat Grade 3 1VCMJD4QFBLJOHOE1SFTFOUBUJPO4LJMM 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FMBUJPOTIJQ0GmDFS,13 3FMBUJPOTIJQ0GmDFS,PNFSTJBM 4BMFT4FSWJDFIBNQJPOPSPTUVNFS4FSWJDF 4FMMJOH5FDIOJRVFPSBOLJOH1SPEVDU 4FMMJOH8JUIIBSBDUFS4FDPOE-FWFM 4FNJOBS.BLJOH5IF:FBS0GDPOPNJDTVTJOFTTPOmEFODF 4FNJOBS1FSFLPOPNJBO.JEEMFODPNF5SBQ 4FSWJDF4FMMJOH4LJMMOHLBUBO 4FSWJDFYDFMMFODF4UBOEBS-BZBOBOT 4LOCJ 5IF E OEPOFTJB.BSLFUFFSTFTUJWBM 5054BMFTNBOTIJQPS4FSWJDF1FPQMF 5SBJOJOHVTJOFTT-FHBMOEPOUSBDUSBGUJOH 5SBJOJOH401 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO8BQFSE 8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB JTOJT BOL BO .FOHVKJTVNTJ.FMBMVJJOBODJBM.PEFMMJOH 8PSLTIPQ1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO No. Diklat Grade 4 DDPVOUJOHFTU1SBDUJDFT DDPVOU0GmDFS,POTVNFSOHLBUBO BTJD5SBEFJOBODFOHLBUBO IBOHFHFOU GGFDUJWF.BSLFUJOHPNNVOJDBUJPO GGFDUJWF5JNF.BOBHFNFOU 7 JOBODJBMDDPVOUJOH4ZTUFNFWFMPQNFOU JOBODJBMPOUSPM.BOBHFNFOU JOBODJBM1MBOOJOH PSFDBTUJOH VEHFUJOH6TJOH.TYDFM FOFSBM GGBJST 1SPGFTTJPOBM 1SPHSBN PODFQU 4USBUFHZ OE NQMFNFOUBUJPO PX5PSFBUF-4.,8JUI93- VLVN,POUSBL,POTUSVLTJ ,VQBT5VOUBT1FOFSBQBO14, 0VUCPOE LVOUBOTJ1SPEVLFWJTB GGFDUJWFPNNVOJDBUJPOOUFSQFSTPOBM4LJMMT ,FJLVUTFSUBBO1PSUGPMJP.JLSP4FDBSBFQBUBONBO .BOBKFNFO,PQFSBTJ 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1PXFSGVMM4LJMMPS.BSLFUJOHPNNVOJDBUJPO 30,PNFSTJBMOHLBUBO HUMAN RESOURCES 264 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 4 30,13OHLBUBO 4USFTT.BOBHFNFOU 5FNVBO1FSNBTBMBIBO1TBL BO1TBL 5IF OE OEPOFTJB.BSLFUFFSTFTUJWBM 5051SPHSBN15, 8BQFSE 8PSLTIPQPX5PBOEMFPNQMBJOU1SPGFTTJPOBMMZ No. Diklat Grade 5 JHJUBM.BSLFUJOH DDPVOU0GmDFS,POTVNFS DDPVOUJOHFTU1SBDUJDFT ENJOJTUSBTJ,SFEJU ENJOJTUSBTJ,SFEJU LVOUBOTJBOLBTBS 7 NB[JOH1VCMJD4QFBLJOH OBMJT,13 OBMJT,SFEJU,PNFSTJBM 0,POTVNFS 0.JLSP QQSBJTBM1SPQFSUZ TQFLVLVN1FNCJBZBBO1FSVNBIBO4FLVSJUJTBTJ,13JOEPOFTJB BTJDFSJWBUJWF BTJD-JGF4VQQPSU BTJD5SBEFJOBODF BTJD5SFBTVSZ.BOBHFNFOU JTOJT-FHBM PPTU:PVS1PUFOUJBMPNNVOJDBUJPO4LJMM BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU IBOHFHFOU PBDIJOHOEPVOTFMMJOH PBDIJOHOEPVOTFMMJOH4LJMM PNQMBJOU.BOBHFNFOU PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH POTVMUBUJWF4FMMJOHPSBOLJOH PSQPSBUFVMUVSF PTUOEFOFmUOBMZTJT SFEJU3FWJFXFS.JLSP SFEJU3JTL.BOBHFNFOU BNQBL3JTJLPVLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU FUFLTJ3JTJLP0QFSBTJPOBMBO4USFTT5FTU.PEFM PDVNFOUPOUSPMOEJMMJOH4ZTUFN GGFDUJWFPNNVOJDBUJPO4LJMM GGFDUJWF.BSLFUJOHPNNVOJDBUJPO GGFDUJWF5JNF.BOBHFNFOU No. Diklat Grade 5 WBMVBTJ,JOFSKB4, YFDVUJWFPSQPSBUF-BX JOBODJBM.PEFMMJOHPSBOLT BUIFSJOHBO4IBSJOHOGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOHFOFSBTJ II IT 1SPKFDU.BOBHFNFOUBTFE0O1NCPL IT 3JTL.BOBHFNFOU ,FTFLSFUBSJBUBO ,OPX:PVSVTUPNFSOEOUJ.POFZ-BVOESZ ,OPXJOH:PVSTFMG .BOBKFNFO,PQFSBTJ .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN .FBTVSFNFOUQQSPBDI . .PEFMJOH .FOUBMJUZPPTUFS5SBJOJOH PO1FSGPSNJOH-PBO.BOBHFNFOUPS,SFEJU6TBIB3BLZBU 01 0GmDFIBOOFMJOH 0GmDFS1SPHSBN 0QFSBTJPOBMBOLBTBS 0QFSBUJPOBM3JTL.BOBHFNFOU 0VUCPOEBCBOHBMBSBKB 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB 1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBOBO ,FXBKJCBO1FSQBKBLBOVMBOBO5BIVOBO4FSUB5BUBDBSB1FOHJTJBO415 5BIVOBO 118101BEBO5BIVO1BKBLPSNBUBSV 1FOHBEBBOBSBOHBO+BTB 1FOJMBJBO BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ FOHBO 4JY 4JHNB .FUIPEF 6OUVL,FQVBTBO 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1PXFSGVMMBUBOBMZTJTOE3FQPSUJOH8JUIYDFM 1SPEVDU,OPXMFEHF3FLTBEBOB 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FMBUJPOTIJQ0GmDFS,13OHLBUBO 30,PNFSTJBM 30,13 4FMMJOH8JUIIBSBDUFS4FDPOE-FWFM 4FNJOBS.BLJOH5IF:FBS0GDPOPNJDTVTJOFTTPOmEFODF 4LOCJ 4PTJBMJTBTJ1SPHSBN6V.BUB6BOH1FUVHBT,MJSJOH 4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO QM 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU 1FSCBOLBO4XBTUB 6.6. 4USBUFHZ.FNCBOHVO4PQ,1FSCBTJT4 4USFTT.BOBHFNFOU 4USVDUVSFE5SBEFJOBODF 77 5IFOEOEPOFTJB.BSLFUFFSTFTUJWBM 5IF1SPQIFUJD8JTEPN4FSJVI4BOH7JTJPOFS SUMBER DAYA MANUSIA 265 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 5 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5054BMFTNBOTIJQPS4FSWJDF1FPQMF 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO 5SBJOJOH401 5SFBTVSZPS0QFSBUJPO 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO8BQFSE 8PSLTIPQ,FTBMBIBO6UBNBBMBN1FNCJBZBBO6,.BO4USBUFHJ BMBNLTQBOTJ6,. 8PSLTIPQBSB+JUV.FOHFMPMBBO.FOHVLVS3JTJLPVLVN1FSCBOLBO 8PSLTIPQBO6BOH4BLVBTJPOBMBSJFOHBO5FNB,SFEJU4JOEJLBTJ 8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQNQMFNFOUBTJJWJTJ6OJU,SFEJU .JLSP 8PSLTIPQ.FBTVSFNFOUQQSPBDI . .PEFMJOH 8PSLTIPQ.FBTVSJOH1SPNPUJPOGGFDUJWFOFTT 8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB JTOJT BOL BO .FOHVKJTVNTJ.FMBMVJJOBODJBM.PEFMMJOH 8PSLTIPQBTJPOBMTQFLVLVNLTFLVTJUBT+BNJOBO,SFEJU 8PSLTIPQ 1FSTJBQBO NQMFNFOUBTJ 5FLOPMPHJ ,BUV IJQ 44 EWBODF 8PSLTIPQ2VBMJUZTTVSBODF 8PSLTIPQ4FMVLFMVL5SBEFJOBODFBMBN3BOHLB.FOJOHLBULBOFF BTFEODPNF No. Diklat Grade 6 DDPVOU0GmDFS,POTVNFS DDPVOU0GmDFS.JLSP ENJOJTUSBTJ,SFEJU ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM LVOUBOTJFSJWBUJGBOOTUSVNFO,FVBOHBO-BJOOZB LVOUBOTJ1SPEVLFWJTB 7 OBMJT,13 OBMJTB,SFEJU,PNFSTJBM 16115 TTFU-JBCJMJUJFT.BOBHFNFOU -. TTFU-JBCJMJUZ.BOBHFNFOU JYFEODPNFOE.JOJ3FQP BTJDVTUPEZ5SBJOJOH BTJDFSJWBUJWF BTJD-JGF4VQQPSU BTJD5SBEFJOBODF BTJD5SFBTVSZ.BOBHFNFOU FBVUZMBTTCBOL bjb BCBOH,BSBXBOH JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL JTOJT-FHBM PPTU:PVS1PUFOUJBMPNNVOJDBUJPO4LJMM BTI.BOBHFNFOU No. Diklat Grade 6 BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU FSUJmFEOWFTUPS3FMBUJPOT IBOHFHFOU PBDIJOHOEPVOTFMMJOH PBDIJOHOEPVOTFMMJOH4LJMM PNQFIFOTJWFPSSFTQPOEFOU PNQMBJOU.BOBHFNFOU PNQMJBODF.BOBHFNFOU POUSPM0CKFDUJWFPSOGPSNBUJPOOE3FMBUFE5FDIOPMPHZPVOEBUJPO PSQPSBUFVMUVSF PSQPSBUFWFOU.BOBHFNFOU SFEJU3FWJFXFS.JLSP VTUPNFSVSUVSJOH VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU BNQBL3JTJLPVLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU GGFDUJWFSBGPOPNJ ,:OUJ.POFZ-BVOEFSJOH GGFDUJWF.BSLFUJOHPNNVOJDBUJPO GGFDUJWF5JNF.BOBHFNFOU NPOFZ WBMVBTJ1FMBLTBOBBOBOLOEPOFTJB4JTUFN-BZBOBO,BT 4-, WBMVBTJ1FMBLTBOBBO0QFSBTJPOBM1FSLBTBO PSFOTJDDDPVOUJOHOEOWFTUJHBUFVEJUJOH SBVEVEJUJOH SBVEVEJUJOH SBVEVEJUJOH VOE5SBOTGFS1SJDJOH VOEBNFOUBMT0GPSQPSBUFJOBODF PX5PSFBUF-4.,8JUI93- VLVN,FQBJMJUBO VLVN,POUSBL,POTUSVLTJ EFOUJmLBTJ 1FSNBTBMBIBO BMBN .FMBLVLBO 4FMG TTFTTNFOU UBT 5JOHLBU,FTFIBUBOBOL4FSUB.FLBOJTNF,POTPMJEBTJ-BQPSBO5LTBOL ,POWFOTJPOBM NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB OUFSOBUJPOBM5SBEFJOBODJOH OUSPEVDUJPO5PTTFU-JBCJMJUZ.BOBHFNFOU OWFTUJHBTJ SBVE 1BEB JTOJT .PCJMF BOLJOH BO 1FODFHBIBOOZB FOHBO1FOFSBQBO.BOBKFNFO3JTJLP IT 1FSCBOLBO OWFTUPSPNNVOJDBUJPO4IBSFPMEFS.BOBHFNFUPS1VCMJDPNQBOZ 40 IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, IT 3JTL.BOBHFNFOU +PCWBMVBUJPOOEFWFMPQNFOU4BMBSZ ,FTFLSFUBSJBUBO ,FXBTQBEBBO BO 5BOUBOHBO BOL J JEBOH 1FOHBXBTBO BO 1FOHFOEBMJBO ,,1 HUMAN RESOURCES 266 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 6 ,OPXJOH:PVSTFMG ,VQBT5VOUBT1FOFSBQBO14, -FHBMSBGUJOHOE8SJUJOH -PBO.POJUPSJOH4VQFSWJTJPO .BDSPDPOPNJDOBMZTJT .BOBHJOH IT 3JTLo4FSJFT 3507 .BOBHJOH IT 3JTLo4FSJFT 3507 .BOBKFNFO,PQFSBTJ .BOBKFNFO3JTJLP .BOBKFNFO4USBUFHJTBO1FOHBNCJMBO,FQVUVTBOEFOHBO.FUPEF1 1 .FBTVSFNFOUQQSPBDI . .PEFMJOH .FOUBMJUZPPTUFS5SBJOJOH .FUPEF1FOFHBLBO,FQBUVIBO1BEBOUFSOBM1FSCBOLBO 77 .JDSPTPGUYDFMEWBODFEPSVTJOFTT DDPVOUJOHOE.BOBHFNFOU .PCJMFQQMJDBUJPOFWFMPQNFOUPSOESPJE 0GmDFS1SPHSBN 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFS 0QFSBUJPOBM3JTL.BOBHFNFOU 0QUJNJ[JOH0GmDFS4LJMMT 0VUCPOEBCBOHBMBSBKB 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE 1FOHBEBBOBSBOHBO+BTB IT 1FSCBOLBO 1FOJMBJBOTFUBO1FOJMBJBO6TBIB 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSIJUVOHBO,FTFIBUBOBOL 1FSQBKBLBOý111BTBM6QEBUF 415FOUVLBSV 4155BIVOý 1PXFSGVMMBUBCBTFOBMZTJTBTICPBSE3FQPSUJOH8JUIYDFM 1PXFSGVMMBUBCBTFOBMZTJTBTICPBSE3FQPSUJOH8JUIYDFM 1PXFSGVMM4LJMMPS.BSLFUJOHPNNVOJDBUJPO 1QO6QEBUF 1SJDFPSFDBTUJOHOE5SFBTVSZ3JTLPOUSPM 1SJPSJUZBOLJOHOE8FBMUI.BOBHFNFOU 1SPEVDU,OPXMFEHF3FLTBEBOB 1SPGFTTJPOBMJOBODJBM.PEFMMFS 1. 1SPKFDU.BOBHFNFOU0GmDF 1SPKFDU.BOBHFNFOU0GmDF 1SPQIFUJD8JTEPNOSJDIJOHIBSBDUFS 1VCMJD4QFBLJOHOE1SFTFOUBUJPO4LJMM 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FMBUJPOTIJQ0GmDFS,13 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 3JTLBTFEVEJU ,POTFQBONQMFNFOUBTJ 3JTL.BOBHFNFOU No. Diklat Grade 6 30,PNFSTJBM 30,13 3171SPHSBNNJOHBTJD5PEWBODF 3171SPHSBNNJOHSPNBTJD5PEWBODF8PSLTIPQ 4BMFT1SFTFOUBUJPO4LJMM 4BMFT1SFTFOUBUJPO4LJMM 4DIPPM0GPOETOEJYFEODPNF 4FMMJOH8JUIIBSBDUFS4FDPOE-FWFM 4FNJOBSOEPOFTJBZCFSSJNF4VNNJU 4FNJOBS1-5 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJm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mLBTJ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM SUMBER DAYA MANUSIA 267 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 6 6KJBO8BQFSE 6OEFSTUBOEJOH90QUJPOVTJOFTT1SBDUJDF 8FBMUI.BOBHFNFOUOEJOBODJBM1MBOOJOH 8PSLTIPQOBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 8PSLTIPQVEJU,IVTVT6OUVL1FOHVOHLBQBO,FDVSBOHBOOUFSOBM 8PSLTIPQBSB+JUV.FOHFMPMBBO.FOHVLVS3JTJLPVLVN1FSCBOLBO 8PSLTIPQPSQPSBUFJOBODF 8PSLTIPQSFEJUVEJU 8PSLTIPQBO6BOH4BLVBTJPOBMBSJFOHBO5FNB,SFEJU4JOEJLBTJ 8PSLTIPQFOFSBUJPO:O5IF8PSLQMBDF 8PSLTIPQ1 8PSLTIPQNQMFNFOUBTJ1SJOTJQ 8PSLTIPQ ,FQBJMJUBO BNQBLOZB 5FSIBEBQ BOL 4FMBLV ,SFEJUVS PWFNCFS 8PSLTIPQ.FBTVSFNFOUQQSPBDI . .PEFMJOH 8PSLTIPQ.FBTVSJOH1SPNPUJPOGGFDUJWFOFTT 8PSLTIPQ1BOEVBO.FODBQBJDH1FSJOHLBUBO6KJ4USBUFHJ.FMBMVJ 3PPUBVTFE1BEB3JTL0XOFS 8PSLTIPQ1FOZFMFTBJBOVCVOHBOOEVTUSJBM1FSVTBIBBO 8PSLTIPQ 1FOZVTVOBO -BQPSBO FXBO ,PNJTBSJT :BOH ,PNQSFIFOTJG BOGFLUJG 8PSLTIPQ1FOZVTVOBO-FHBMSBGUJOH8SJUJOH1FSVTBIBBO 8PSLTIPQ1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO 8PSLTIPQ1PXFSGVMM4LJMMTPS.BSLFUJOHPNNVOJDBUJPOT 8PSLTIPQ2VBMJUZTTVSBODF4FCBHBJ5FIOJL1FOHVBUBOOUFSOBMPOUSPM BO .FNJUJHBTJ 3JTJLP 0QFSBTJPOBM 4FKBMBO FOHBO 1 P 1 8PSLTIPQ 4JNVMBTJ NQMFNFOUBTJ 1TBL BO 1FSIJUVOHBO 1FSQBKBLBO BMBN5SBOTBLTJBOB1JIBL,FUJHBBOL 8PSLTIPQ4USBUFHJ1FOVSVOBO1-,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL .FOKBHBTTFUBOL 8PSLTIPQ5SBOTBLTJ1FOJMBJBOHVOBO,SFEJU No. Diklat Grade 7 TQFLVLVN,FQBJMJUBO TQFLVLVN1FNCJBZBBO1FSVNBIBO4FLVSJUJTBTJ,13JOEPOFTJB IBOHFHFOU PBDIJOHOEPVOTFMMJOH PBDIJOHOEPVOTFMMJOH4LJMM PTUFOFmUOBMZTJT 7 SFEJU3FWJFXFS.JLSP VOE5SBOTGFS1SJDJOH NQMFNFOUJOH42-4FSWFSBUB8BSFIPVTF NQMFNFOUJOH42-4FSWFSBUB8BSFIPVTF OWFTUPSPNNVOJDBUJPO4IBSFPMEFS.BOBHFNFUPS1VCMJDPNQBOZ 40 .BOBHJOH IT 3JTL .BOBKFNFO,PQFSBTJ No. Diklat Grade 7 .BOBKFNFO3JTJLP .BOBKFNFO3JTJLP .BTUFSJOHU1SPKFDU.BOBHFNFOUBTFE0O1NCPL 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFS 0VUCPOE 1FMBUJIBONPOFZ 1FOHBEBBOBSBOHBO+BTB IT 1FSCBOLBO 1FOHFOBMBOBO1FOHFNCBOHBO5. 1FOJMBJBOTFUBO1FOJMBJBO6TBIB 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1SPQIFUJD8JTEPNOSJDIJOHIBSBDUFS 4BMFT1SFTFOUBUJPO4LJMM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4,OHLBUBO 4USFTT.BOBHFNFOU 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5PU1SPHSBN15, 5SBJOPS5SBJOFS 505 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 8PSLTIPQ14FMVSVIOEPOFTJBBMBN3BOHLB1FOJOHLBUBO,BQBTJUBT 1FNCJBZBBO1FSVNBIBO 8PSLTIPQBL5BOHHVOHBO JOBODJBM.PEFMMJOHPSBOLT BUIFSJOHBO4IBSJOHOGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOHFOFSBTJJ IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, IT 3JTL.BOBHFNFOU ,FTFLSFUBSJBUBO ,OPX:PVSVTUPNFSOEOUJ.POFZ-BVOESZ ,OPXJOH:PVSTFMG .BOBKFNFO,PQFSBTJ .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN .FBTVSFNFOUQQSPBDI NB .PEFMJOH .FOUBMJUZPPTUFS5SBJOJOH PO1FSGPSNJOH-PBO.BOBHFNFOUPS,SFEJU6TBIB3BLZBU 01 0GmDFIBOOFMJOH 0GmDFS1SPHSBN 0QFSBTJPOBMBOLBTBS 0QFSBUJPOBM3JTL.BOBHFNFOU 0VUCPOEBCBOHBMBSBKB 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB HUMAN RESOURCES 268 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 7 1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBOBO ,FXBKJCBO1FSQBKBLBOVMBOBO5BIVOBO4FSUB5BUBDBSB1FOHJTJBO415 5BIVOBO 118101BEBO5BIVO1BKBLPSNBUBSV 1FOHBEBBOBSBOHBO+BTB 1FOJMBJBO BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ FOHBO 4JY 4JHNB .FUIPEF 6OUVL,FQVBTBO 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1PXFSGVMMBUBOBMZTJTOE3FQPSUJOH8JUIYDFM 1SPEVDU,OPXMFEHF3FLTBEBOB 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3FMBUJPOTIJQ0GmDFS,13OHLBUBO 30,PNFSTJBM 30,13 4FMMJOH8JUIIBSBDUFS4FDPOE-FWFM 4FNJOBS.BLJOH5IF:FBS0GDPOPNJDTVTJOFTTPOmEFODF 4, 4PTJBMJTBTJ1SPHSBN6V.BUB6BOH1FUVHBT,MJSJOH 4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO 1- 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU 1FSCBOLBO4XBTUB 6.6. 4USBUFHZ.FNCBOHVO401,1FSCBTJT4 4USFTT.BOBHFNFOU 4USVDUVSFE5SBEFJOBODF 77 5IFOEOEPOFTJB.BSLFUFFSTFTUJWBM 5IF1SPQIFUJD8JTEPN4FSJVI4BOH7JTJPOFS 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5054BMFTNBOTIJQPS4FSWJDF1FPQMF 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO 5SBJOJOH401 5SFBTVSZPS0QFSBUJPO 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO8BQFSE 8PSLTIPQ ,FTBMBIBO 6UBNB BMBN 1FNCJBZBBO 6LN BO 4USBUFHJ BMBNLTQBOTJ6LN 8PSLTIPQBSB+JUV.FOHFMPMBBO.FOHVLVS3JTJLPVLVN1FSCBOLBO 8PSLTIPQBO6BOH4BLVBTJPOBMBSJFOHBO5FNB,SFEJU4JOEJLBTJ 8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQNQMFNFOUBTJJWJTJ6OJU,SFEJU .JLSP 8PSLTIPQ.FBTVSFNFOUQQSPBDI . .PEFMJOH 8PSLTIPQ.FBTVSJOH1SPNPUJPOGGFDUJWFOFTT 8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB JTOJT BOL BO .FOHVKJTVNTJ.FMBMVJJOBODJBM.PEFMMJOH 8PSLTIPQBTJPOBMTQFLVLVNLTFLVTJUBT+BNJOBO,SFEJU 8PSLTIPQ 1FSTJBQBO NQMFNFOUBTJ 5FLOPMPHJ ,BUV IJQ 44 EWBODF 8PSLTIPQ2VBMJUZTTVSBODF No. Diklat Grade 7 8PSLTIPQ4FMVLFMVL5SBEFJOBODFBMBN3BOHLB.FOJOHLBULBOFF BTFEODPNF No. Diklat Grade 8 DDPVOUJOHPODFQUPSSFEJUOBMZTJT ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM LVOUBOTJBOL-BOKVUBO LVOUBOTJBOL-BOKVUBOOHLBUBO LVOUBOTJ1SPEVLFWJTB -. 7 NB[JOH1VCMJD4QFBLJOH OBMJT,SFEJU,PNFSTJBM OBMJTBFCBO,FSKBBO1FOZVTVOBO,1 OBMJTB,SFEJU,PNFSTJBM 0,POTVNFS 16115 16115 TTFU-JBCJMJUJFT.BOBHFNFOU MNB BTJD4UBUJTUJDOEBUBOBMZTJT BTJD5SBEFJOBODF BTJD5SFBTVSZPSOUFSOBMVEJUPS BTJD5SFBTVSZ.BOBHFNFOU FBVUZMBTTCBOL bjb BCBOH,BSBXBOH JTOJT-FHBMOHLBUBO VJMEJOH:PVSVNBOBQJUBMPNQFUJUJWFOFT5ISPVHI34 BTI.BOBHFNFOU FSUJmFEVNBO3FTPVSDFT.BOBHFNFOU1SPGFTTJPOBM IBOHFHFOU PSQPSBUFVMUVSF PSQPSBUF-FHBMBOLJOH4IPSUPVSTF PTUFOFmUOBMZTJT SFEJU3FWJFXFS.JLSPOHLBUBO VTUPNFSVSUVSJOH VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU VTUPNJ[FE7OFU41OFU BNQBL3JTJLPVLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU GGFDUJWFSBGPOPNJ ,ZDOUJ.POFZ-BVOEFSJOH GGFDUJWF.BSLFUJOHPNNVOJDBUJPO GGFDUJWF1SFTFOUBUJPO4LJMM OUFSQSJTF3JTL.BOBHFNFOU YFDVUJWFPSQPSBUF-BX SBVEVEJUJOH VOE5SBOTGFS1SJDJOH VOEBNFOUBMT0GPSQPSBUFJOBODF VBSBOUFF SUMBER DAYA MANUSIA 269 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 8 PX5PSFBUF-4.,8JUI93- 1405FLOJL.FNFOBOHLBO5FOEFSBSBOH+BTB VLVN,FQBJMJUBO ZQOPTFMMJOH NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB OUSPEVDUJPO5PTTFU-JBCJMJUZ.BOBHFNFOU OUSPEVDUJPO5P4XJGUO5IF1BZNFOU.BSLFU ,FXBTQBEBBO BO 5BOUBOHBO BOL J JEBOH 1FOHBXBTBO BO 1FOHFOEBMJBO ,,1 ,OPXJOH:PVSTFMG ,POUSPMOUFSOBMBCBOH -FHBMVEJUOE-FHBM0QJOJPOSBGUJOH -FHBMSBGUJOH8SJUJOH -FHBMSBGUJOHOE8SJUJOH .BOBHFNFOUBSFFS .BOBHJOH IT 3JTL .BOBKFNFO,PQFSBTJ .BOBKFNFO3JTJLP .BOBKFNFO4USBUFHJTBO1FOHBNCJMBO,FQVUVTBOFOHBO.FUPEF1 1 .BOBKFS-JOJ1FSUBNB .BSLFU0VUMPPLOWFTUNFOU .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN .BTUFSJOH IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, .FOUBMJUZPPTUFS5SBJOJOH .JDSPTPGUYDFMEWBODFEPSVTJOFTT DDPVOUJOHOE.BOBHFNFOU 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFS 0QFSBTJPOBM3JTL.BOBHFNFOU 0VUCPOE 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE 1FOHFNCBOHBOJUVS5.JVOJB1FSCBOLBO 1FOHHVOBBO1SPEVLBMBNFHFSJBO5BUBBSB1FSIJUVOHBO5JOHLBU ,PNQPOFO -. 3 5, 4PTJBMJTBTJ1SPHSBN6V.BUB6BOH1FUVHBT,MJSJOH 77 1FOJMBJBOTFUBO1FOJMBJBO6TBIB 1FOJMBJBOTTFUQSBJTBM1FSVTBIBBO 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 11-8BQFSE 1SJPSJUZBOLJOHOE8FBMUI.BOBHFNFOU 1SPDVSFNFOU1VSDIBTJOH.BOBHFNFOU 1SPEVDU,OPXMFEHF3FLTBEBOB 1SPQIFUJD8JTEPNOSJDIJOHIBSBDUFS 1VCMJD4QFBLJOHOE1SFTFOUBUJPO4LJMM No. Diklat Grade 8 2VBMJUZTTVSBODF4FCBHBJ5FIOJL1FOHVBUBO1FOFSBQBOOUFSOBMPOUSPM 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 30,PNFSTJBM 30,13 4BMFT1MBO 4BMFT1SFTFOUBUJPO4LJMM 4BMFT1SFTFOUBUJPO4LJMM 4FNJOBSOEPOFTJBZCFSSJNF4VNNJU 4FNJOBS1PXFS1SPTQFDUJOH5FDIOJRVFT5P5SJQMF4BMFT 4FNJOBS3JTL.BOBHFNFOU6OUVL-FNCBHB,FVBOHBOPOBOL 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSWJDFYDFMMFOU4UBOEBS-BZBOBOBHJ1FNJNQJO,1OHLBUBO 4FSWJDF-FBEFSTIJQ 4, 4, BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB 4USBUFHJOUJSBVEBOLJOH 4USBUFHJ1FOBHJIBO1JVUBOH.BDFU 4USBUFHJ1FOZFMFTBJBO,SFEJUFSNBTBMBIFOHBO5FLIOJL3FNFEJBMBO 5FLIOJL-JUJHBTJ 4USBUFHZ.FNCBOHVO4PQ,QJFSCBTJT4 4USFTT.BOBHFNFOU 4USFTT5FTUJOH0OBOLJOH3JTLYQPTVSF 4USVDUVSFE5SBEFJOBODF 4UVEJ,FMBZBLBOOWFTUBTJ 5FLOJL.FUPEF140UBT1FOHBEBBOBSBOH+BTB 5FLOJLOBMJTB5SBOTBLTJ,FVBOHBO.FODVSJHBLBO 5IFOEOEPOFTJB.BSLFUFFSTFTUJWBM 5IF1SBDUJDBM6TF0GJEJDPOUSBDU 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5PU4BMFTNBOTIJQPS4FSWJDF1FPQMF 5PU1SPHSBNOQULJ 5SBJOPS5SBJOFS 505 VTUVNFS3FMBUJPOTIJQ.BOBHFNFOUPSBOLJOHOEVTUSZ NQIBUJD1SFTFOUJOH4IBSQFOFS NQSPWJOHPNQFUFODZPSVEJUJOH5SBEJOH IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, FFETOBMZTJT 401 HUMAN RESOURCES 270 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 8 5SFBTVSZPS0QFSBUJPO 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 5SFBTVSZ.BOBHFNFOU 6KJBO4FSUJmLBTJ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 8BQFSE 8FBMUI.BOBHFNFOUOEJOBODJBM1MBOOJOH 8PSLTIPQOBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 VEJU,IVTVT6OUVL1FOHVOHLBQBO,FDVSBOHBOOUFSOBM JNUFL 1FSQFT P 5I +PQFSQSFT P 5I 5FOUBOH 1FOHBEBBOBSBOH+BTB1FNFSJOUBI BL5BOHHVOHBO PX5PBOEMFPNQMBJOU1SPGFTTJPOBMMZ 0QJOJPOTOE-FBEJOHPVSUBTFT .FOJOHLBULBO1FOHFMPMBBO3JTJLP,SFEJU .FOZVTVO,FSBOHLB4USBUFKJL3FODBOBJTOJTBOLBO.FOHVKJTVNTJ .FMBMVJJOBODJBM.PEFMMJOH 1FOHFOEBMJBOSBUJmLBTJ8IJTUMFCMPXJOH 1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO 2VBMJUZTTVSBODF 4JNVMBTJ NQMFNFOUBTJ 14, BO 1FSIJUVOHBO 1FSQBKBLBO BMBN 5SBOTBLTJBOB1JIBL,FUJHBBOL 4USBUFHJ1FOVSVOBOQM,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL.FOKBHB TTFUBOL 5SBOTBLTJ1FOJMBJBOHVOBO,SFEJU No. Diklat Grade 9 ,FTBMBIBO 6UBNB BMBN 1FNCJBZBBO 6,. BO 4USBUFHJ BMBN LTQBOTJ6,. JHJUBM.BSLFUJOH ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM LVOUBOTJTVSBOTJ6QEBUF4FTVBJ14, 14,BO14, LVOUBOTJBOL-BOKVUBO LVOUBOTJ1SPEVLFWJTB 7 OBMJTB1FNCJBZBBO,SFEJUOWFTUBTJPUFM 16115 16115 TTFU-JBCJMJUJFT.BOBHFNFOU -. BOLBSBOTJ4VSFUZPOE4UBOECZ- BTJD5SFBTVSZ.BOBHFNFOU PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH PTUFOFmUOBMZTJT VTUPNFSVSUVSJOH GGFDUJWF.BSLFUJOHPNNVOJDBUJPO LTFLVTJ+BNJOBOVUBOH.JMJL1FSCBOLBO WBMVBTJBO1FOFOUVBO-PLBTJ+BSJOHBO No. Diklat Grade 9 JOBODJBM.PEFMMJOHPSBOLT JOBODJBM.PEFMMJOHPSPSQPSBUFVEHFUJOHPOTPMJEBUJPO JOBODJBM.PEFMMJOHVOEBNFOUBMOE4FOTJUJWJUZ4DFOBSJP VOE5SBOTGFS1SJDJOH VLVN,FUFOBHBLFSKBBOVCVOHBOOEVTUSJBM ZQOPTFMMJOH 0QJOJPOTOE-FBEJOHPVSUBTFT NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB ,SFEJU.JLSP4JNVMBTJ-FOHLBQNQMFNFOUBTJJWJTJ6OJU,SFEJU.JLSP -FHBMSBGUJOH8SJUJOH -FHBMSBGUJOHOE8SJUJOH -JRVJEJUZ.BOBKFNFO .BOBKFNFO4USBUFHJTBO1FOHBNCJMBO,FQVUVTBOFOHBO.FUPEF1 1 .BOBKFS-JOJ1FSUBNB .JDSPTPGUYDFMEWBODFEPSVTJOFTT DDPVOUJOHOE.BOBHFNFOU 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFSOHLBUBO 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFSOHLBUBO 0QFSBTJPOBM1FSCBOLBOBHJ0GmDFSOHLBUBO 0VUCPOE 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE 1FOHHVOBBO 1SPEVL BMBN FHFSJ BO 5BUB BSB 1FSIJUVOHBO 5JOHLBU ,PNQPOFOBMBNFHFSJ 5, 1FOHVLVSBOmTJFOTJ,BOUPSBCBOHFOHBO.FUPEF 1FOJMBJBOTTFUQSBJTBM1FSVTBIBBO 1FOZVTVOBO401 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO 1SPCMFN4PMWJOHOEFDJTJPO.BLJOH 1SPGFTTJPOBMJOBODJBM.PEFMMFS 1. 1SPQIFUJD8JTEPNOSJDIJOHIBSBDUFS 3FGSFTINFOU.BOBKFNFO3JTJLP 30,PNFSTJBMOHLBUBO 4BMFT1SFTFOUBUJPO4LJMM 4BMFT1SFTFOUBUJPO4LJMM 441SPHSBNNJOH 4FNJOBS5SBEJOHSBVETOO6ODFSUBJODPOPNJDMJNBUF 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSWJDFYDFMMFOU4UBOEBS-BZBOBOBHJ1FNJNQJO,DQOHLBUBO 4FSWJDF-FBEFSTIJQ 4,OHLBUBO 4,OHLBUBO SUMBER DAYA MANUSIA 271 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 9 4NBSUOEZQOPTFMMJOH 4USBUFHJOUJSBVEBOLJOH 4USBUFHJ1FOBHJIBO1JVUBOH.BDFU 4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO 1- 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU 1FSCBOLBO4XBTUB 6.6. 4UVEJ,FMBZBLBOOWFTUBTJ 4VQQMZIBJO 5FLOJL1FOZVTVOBO401 5IFOEOEPOFTJB.BSLFUFFSTFTUJWBM 5JNF.BOBHFNFOU 5JNF.BOBHFNFOU 5051SPHSBN15, 5SBJOPS5SBJOFS 5PU 5SBJOJOHVTUVNFS3FMBUJPOTIJQ.BOBHFNFOUPSBOLJOHOEVTUSZ 5SBJOJOHNQIBUJD1SFTFOUJOH4IBSQFOFS 5SBJOJOHPS5SBJOFST 77 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ8BQFSE No. Diklat Grade 10 ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM -. 16115 BTJDVEJU5FDIOJRVFT5PPMTPSFXVEJUPS BTJD-JGF4VQQPSU BTJD5SBEFJOBODF 7 FBVUZMBTTCBOL bjb BCBOH,BSBXBOH BSB-JHBU.FMBLTBOBLBO1IL5BOQB,POnJL BTI.BOBHFNFOU FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH PSQPSBUFVMUVSF VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU GGFDUJWFFHPUJBUJPO4LJMM GGFDUJWF1SFTFOUBUJPO4LJMM OUFSQSJTF3JTL.BOBHFNFOU JOBODJBM.PEFMMJOHPSBOLT PPEPSQPSBUFPWFSOBODF ZQOPTFMMJOH NQMFNFOUBTJ5ISFF-JOFT0GFGFODF OUFSNFEJBUFSFEJUOBMZTJT IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, ,OPXJOH:PVSTFMG -FHBMSBGUJOH8SJUJOH No. Diklat Grade 10 -JRVJEJUZ.BOBKFNFO .BOBKFS-JOJ1FSUBNB .BOHFS-JOJ1FSUBNB .-1 .FOUBMJUZPPTUFS5SBJOJOH 0VUCPOE 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB 16115 TTFU-JBCJMJUJFT.BOBHFNFOU -. FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS POUSPM0CKFDUJWFPSOGPSNBUJPOOE3FMBUFE5FDIOPMPHZPVOEBUJPO NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB ,POUSPMOUFSOBMBCBOHOHLBUBO ,POUSPMOUFSOBMBCBOHOHLBUBO PO1FSGPSNJOH-PBO.BOBHFNFOUPS,SFEJU6TBIB3BLZBU 1FSIJUVOHBO,FTFIBUBOBOL 1SPCMFN4PMWJOHFDJTJPO.BLJOH 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4USBUFHJ1FOZFMFTBJBO,SFEJUFSNBTBMBIFOHBO5FLIOJL3FNFEJBMBO 5FLIOJL-JUJHBTJ 5SBJOPS5SBJOFS 505 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1SPCMFN4PMWJOHOEFDJTJPO.BLJOH 1SPEVDU,OPXMFEHF3FLTBEBOB 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 4BMFT1MBO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSWJDFYDFMMFOU4UBOEBS-BZBOBOBHJ1FNJNQJO,DQ 4FSWJDF-FBEFSTIJQ 4LOCJOHLBUBO 4PTJBMJTBTJ1SPHSBN6V.BUB6BOH1FUVHBT,MJSJOH 4USBUFHJOUJSBVEBOLJOH 4USFTT.BOBHFNFOU 5FLOJL.FUPEF140UBT1FOHBEBBOBSBOH+BTB 5PU4BMFTNBOTIJQPS4FSWJDF1FPQMF 5SBJOJOHVTUVNFS3FMBUJPOTIJQ.BOBHFNFOUPSBOLJOHOEVTUSZ 5SBJOJOH1TJLPMPHJBO5FLOJL,PNVOJLBTJVEJU 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ8BQFSE 6KJBO8BQFSE 8BQFSE HUMAN RESOURCES 272 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 10 PSQPSBUFJOBODF FOFSBUJPO:O5IF8PSLQMBDF .FOJOHLBULBO1FOHFMPMBBO3JTJLP,SFEJU BTJPOBMTQFLVLVNLTFLVTJUBT+BNJOBO,SFEJU 1FSGPSNBODFPBDIJOH-FBEFSODUJPO 1PXFSGVMPNNVOJDBUJPOOE4NBSUFHPUJBUJPO No. Diklat Grade 11 UPT,FSKB1SPGFTJPOBM DDPVOUJOHPODFQUPSSFEJUOBMZTJT ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM EWBODFPPEPSQPSBUFPWFSOFODF PSBOLJOH -. 16115 7 TQFLVLVN,FQBJMJUBO TTFU-JBCJMJUJFT.BOBHFNFOU -. VEJU-FOHLBQUBT5FLOPMPHJ4JTUFNOGPSNBTJ BTJDVEJU5FDIOJRVFT5PPMTPSFXVEJUPS JNCJOHBO5FLOJT-FHBMSBGUJOH PPTU:PVS1PUFOUJBMPNNVOJDBUJPO4LJMM VJMEGGFDUJWFPNNVOJDBUJPO5PNQSPWF15 BTI.BOBHFNFOU PSQPSBUF-BX PTUFOFmUOBMZTJT VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU BNQBL3JTJLPVLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU GGFDUJWFFHPUJBUJPO4LJMM GGFDUJWF1SFTFOUBUJPO4LJMM PSFOTJDDDPVOUJOHOEOWFTUJHBUFVEJUJOH SBQIPOPNZ 1405FLOJL.FNFOBOHLBO5FOEFSBSBOH+BTB ZQOPTFMMJOH OUFSNFEJBUFBOLJOH OUFSOBUJPOBMBOLVBSBOUFF OWFTUPSPNNVOJDBUJPO4IBSFPMEFS.BOBHFNFUPS1VCMJDPNQBOZ IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, ,FXBTQBEBBO BO 5BOUBOHBO BOL J JEBOH 1FOHBXBTBO BO 1FOHFOEBMJBO ,,1 ,OPXJOH:PVSTFMG -FHBMVEJUOE-FHBM0QJOJPOSBGUJOH -FHBMSBGUJOHOE8SJUJOH .BTUFSJOHTTFU-JBCJMJUZ.BOBHFNFOU .FOUBMJUZPPTUFS5SBJOJOH FHPUJBUJPO4LJMMTPSBOLFST 0VUCPOE No. Diklat Grade 11 1BZNFOUOEBTI.BOBHFNFOU 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB 1FMBUJIBOLVOUBOTJBOL-BOKVUBOOHLBUBO 1FMBUJIBONB[JOH1VCMJD4QFBLJOH 1FMBUJIBO16115 1FMBUJIBOTTFU-JBCJMJUJFT.BOBHFNFOU -. 1FMBUJIBOBOLBSBOTJ4VSFUZPOE4UBOECZ- 1FMBUJIBONQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB 1FMBUJIBOOUSPEVDUJPO5P4XJGUO5IF1BZNFOU.BSLFU ,POUSPMOUFSOBMBCBOH .BOBHFSJBMDDPVOUJOH .BOBKFNFO,PQFSBTJ PO1FSGPSNJOH-PBO.BOBHFNFOUPS,SFEJU6TBIB3BLZBU 01 1SPCMFN4PMWJOHFDJTJPO.BLJOH 4FSUJmLBTJJSFLTJ13OHLBUBO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ1FOHBEBBOBSBOHBO+BTB 4USBUFHJ1FOZFMFTBJBO,SFEJUFSNBTBMBIFOHBO5FLIOJL3FNFEJBMBO 5FLIOJL-JUJHBTJ 5IF3JHIU8BZ0GPJOH1PXFSGVM.BSLFUJOH3FTFBSDI 5SBJOPS5SBJOFS 505 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE 1FOJMBJBOTTFUQSBJTBM1FSVTBIBBO 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1SJOTJQ1SJOTJQ.FOHFOBMBTBCBI 1SPCMFN4PMWJOHOEFDJTJPO.BLJOH 1SPEVDU,OPXMFEHF3FLTBEBOB 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 4BMFT1MBO 4DIPPM0GPOETOEJYFEODPNF 4FNJOBS FXFS JHHFS PMEFS SPN .JOEMFTT YQBOTJPO 5P PDVTFE SPXUI 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSWJDFYDFMMFOU4UBOEBS-BZBOBOBHJ1FNJNQJO,DQ 4USBUFHJ1FOBHJIBO1JVUBOH.BDFU 5JNF.BOBHFNFOU 5SBJOJOHVTJOFTTOBMZTJTPVOEBUJPO 77 5SBJOJOHVTUVNFS3FMBUJPOTIJQ.BOBHFNFOUPSBOLJOHOEVTUSZ SUMBER DAYA MANUSIA 273 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 11 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ1FOHBEBBOBSBOHBO+BTB 6KJBO4FSUJmLBTJ8BQFSE 6KJBO8BQFSE 8BQFSE 8PSLTIPQ,FTBMBIBO6UBNBBMBN1FNCJBZBBO6,.BO4USBUFHJ BMBNLTQBOTJ6,. 8PSLTIPQOBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 8PSLTIPQBO6BOH4BLVBTJPOBMBSJFOHBO5FNB,SFEJU4JOEJLBTJ 8PSLTIPQFOFSBUJPO:O5IF8PSLQMBDF 8PSLTIPQBL5BOHHVOHBO 8PSLTIPQ ,FQBJMJUBO BNQBLOZB 5FSIBEBQ BOL 4FMBLV ,SFEJUVS PWFNCFS 8PSLTIPQ ,POUSBL 1FSCBOLBO BO 1FOZFMFTBJBO 4FOHLFUB .FMBMVJ SCJUSBTFBO1FOZFMFTBJBO4FOHLFUB 8PSLTIPQ 1FOHFOBMBO MUFSOBUJG 1FOZFMFTBJBO 4FOHLFUB J 4FLUPS +BTB ,FVBOHBO 8PSLTIPQ2VBMJUZTTVSBODF4FCBHBJ5FIOJL1FOHVBUBOOUFSOBMPOUSPM BO .FNJUJHBTJ 3JTJLP 0QFSBTJPOBM 4FKBMBO FOHBO 1 P 1 8PSLTIPQ4USBUFHJ1FOVSVOBO1-,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL .FOKBHBTTFUBOL No. Diklat Grade 12 ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM 16115 FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS PSQPSBUFVEHFUJOH GGFDUJWFFMFHBUJPOOE5BTL.BOBHFNFOU 7 GGFDUJWF5SBJOJOHFTJHO VOE5SBOTGFS1SJDJOH NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB OUFSNFEJBUFBOLJOH OUFSOBUJPOBMBOLVBSBOUFF OWFTUPSPNNVOJDBUJPO4IBSFPMEFS.BOBHFNFUPS1VCMJDPNQBOZ IT 1SPKFDU.BOBHFNFOUBTFE0O1.0, -FBEFSTIJQ.BOBHJOH1FPQMF .BOBKFNFO,PQFSBTJ .BOHFS-JOJ1FSUBNB .-1 0QFSBUJPOBM3JTL.BOBHFNFOU 0QUJNJ[JOHOE.PUJWBUJOHBSFFS8PNBO 0VUCPOE 1FEPNBOLVOUBOTJ1FSCBOLBOOEPOFTJB 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSGPSNBODF.FBTVSFNFOUOEBOLJOH.BOBHFNFOU6OJUFE,JOHEPN 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH No. Diklat Grade 12 1SPCMFN4PMWJOHFDJTJPO.BLJOH 1SPCMFN4PMWJOHOEFDJTJPO.BLJOH 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 4BMFT1MBO 4DIPPM0GBQJUBM.BSLFUPOE 4FNJOBS FXFS JHHFS PMEFS SPN .JOEMFTT YQBOTJPO 5P PDVTFE SPXUI 4FNJOBSBTJPOBM14 4FNJOBSBTJPOBM,POTFQTJQMJLBTJ1SPHSBN1+4,FTFIBUBO5FOBHB ,FSKB 4FSUJmLBTJJSFLTJQSOHLBUBO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ1SPGFTJBQFO 4018SJUJOHNQSPWFNFOU 4USBUFHJOUJSBVEBOLJOH 4USBUFHJ1FOZFMFTBJBO,SFEJUFSNBTBMBIFOHBO5FLIOJL3FNFEJBMBO 5FLIOJL-JUJHBTJ 4USBUFHJD.BOBHFNFOU 4USFTT.BOBHFNFOU 4ZOEJDBUFE-PBO 5IF3JHIU8BZ0GPJOH1PXFSGVM.BSLFUJOH3FTFBSDI 5PU1SPHSBN15, 5SBJOPS5SBJOFS 505 5SBJOJOHFFEOBMZTJT 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ1SPGFTJBQFO 8BQFSE ,FTBMBIBO 6UBNB BMBN 1FNCJBZBBO 6,. BO 4USBUFHJ BMBN LTQBOTJ6,. QE4FMVSVIOEPOFTJBBMBN3BOHLB1FOJOHLBUBO,BQBTJUBT1FNCJBZBBO 1FSVNBIBO FSUJmFEFIBWJPS1SPmMMJOHFSUJmFEBOEXSJUJOHOBMZTJT BL5BOHHVOHBO NQMFNFOUBTJ1SJOTJQ ,POUSBL 1FSCBOLBO BO 1FOZFMFTBJBO 4FOHLFUB .FMBMVJ SCJUSBTF BO 1FOZFMFTBJBO4FOHLFUB ,SFEJU.JLSP4JNVMBTJ-FOHLBQNQMFNFOUBTJJWJTJ6OJU,SFEJU.JLSP 1FOZVTVOBO-BQPSBOFXBO,PNJTBSJT:BOH,PNQSFIFOTJGBOGFLUJG 1FOZVTVOBO-FHBMSBGUJOH8SJUJOH1FSVTBIBBO 1FSGPSNBODFPBDIJOH-FBEFSODUJPO 1FSTJBQBONQMFNFOUBTJ5FLOPMPHJ,BUVIJQ 44 EWBODF 2B4FCBHBJ5FLOJL1FOHVBUBO1FOFSBQBOOUFSOBMPOUSPM No. Diklat Grade 13 MPCBM5BYPOGFSFODFTJB1BTJmD HUMAN RESOURCES 274 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 13 ENJOJTUSBTJ,SFEJUBOJTOJT-FHBM EWBODFPPEPSQPSBUFPWFSOFODF PSBOLJOH -. 16115 BTFMJJ.PEBM-JLVJEJUBT 7 VJMEGGFDUJWFPNNVOJDBUJPO5PNQSPWF15 BTI.BOBHFNFOU PNQMJBODF.BOBHFNFOU PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH SFEJU3JTL.BOBHFNFOU GGFDUJWFFMFHBUJPOOE5BTL.BOBHFNFOU GGFDUJWF1SFTFOUBUJPO4LJMM GGFDUJWF5SBJOJOHFTJHO JOBODJBMPOUSPM.BOBHFNFOU VOE5SBOTGFS1SJDJOH 1405FLOJL.FNFOBOHLBO5FOEFS1FOHBEBBOBSBOH+BTB VLVN,POUSBL,POTUSVLTJ OUFSNFEJBUFBOLJOH OUFSOBUJPOBMBOLVBSBOUFF ,FXBTQBEBBO BO 5BOUBOHBO BOL J JEBOH 1FOHBXBTBO BO 1FOHFOEBMJBO ,,1 ,OPXJOH:PVSTFMG ,VQBT5VOUBT1FOFSBQBO1TBL -FBEFSTIJQ.BOBHJOH1FPQMF -FBO4JY4JHNBVOEBNFOUBM5SBJOJOH -FHBMSBGUJOHOE8SJUJOH .BOBKFNFO1FSQVTUBLBBO .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN FHPUJBUJPO4LJMMTPSBOLFST 0QUJNJ[JOHOE.PUJWBUJOHBSFFS8PNBO 0VUCPOE 1FEPNBO5FLOJT1FOZVTVOBOBO1FOFUBQBO4QFTJmLBTJBO14 QQSBJTBM1SPQFSUZ PSQPSBUFVEHFUJOH VTUPNJ[FE7OFU41OFU NPOFZ NQMFNFOUBTJ43 NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB .BOBKFNFOENJOJTUSBTJ1FSLBOUPSBO.PEFSO .BOBKFNFO,PQFSBTJ 1BTBS.PEBM4ZBSJBI 1FOHBEBBOBSBOHBO+BTB 1FOZVTVOBO401 1SPKFDU.BOBHFNFOU0GmDF 4FSUJmLBTJJSFLTJ13OHLBUBO No. Diklat Grade 13 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4USBUFHJD.BOBHFNFOU 5IF3JHIU8BZ0GPJOH1PXFSGVM.BSLFUJOH3FTFBSDI 5SBJOPS5SBJOFS 505 5VSBSPVOE4USBUFHZ 8PSLTIPQVTJOFTTPOUSBDUSBGUJOH 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ 1FSBO BOL .FODFHBI BO .FNCFSBOUBT 5116 BO 5JOEBL 1JEBOB ,FKBIBUBO1FSCBOLBO 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE MFBSOJOH 1SPKFDU.BOBHFNFOU0GmDF 3FGSFTINFOU,FUFOUVBOBO,FQBUVIBO1FSCBOLBO 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 4BMFT1MBO 4FNJOBSYUSFNF1SPEVDUJWJUZ-FBEFSTIJQ 4FNJOBSOEPOFTJBZCFSSJNF4VNNJU 4FNJOBSBTJPOBM,POTFQTJQMJLBTJ1SPHSBNQKT,FTFIBUBO5FOBHB ,FSKB 4,OHLBUBO 4UBOEBSE0QFSBUJOH1SPDFEVSF 5BY4VNNJU 5FLOJLGFLUJG1FOHBNBOBOBTBCBI1FSCBOLBO5FSIBEBQZCFSSJNF 5IFEOEPOFTJB.BSLFUFFSTFTUJWBM 505BSUB,FLBZBBOFHBSB -,1 5051SPHSBN15, 5SBJOJOH.BOBHFNFOU0GPO1FSGPSNJOH-PBOT 5SBJOJOHFFEOBMZTJT 5SBJOJOH401 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 8BQFSE 77 ,FTBMBIBO 6UBNB BMBN 1FNCJBZBBO 6,. BO 4USBUFHJ BMBN LTQBOTJ6,. OBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 BSBJKBL.FMBLTBOBLBO1,5BOQB,POmL FSUJmFEFIBWJPS1SPmMMJOHFSUJmFEBOEXSJUJOHOBMZTJT SFEJU3JTLOBMZTJT BTJPOBM.POFZ-BVOESZ 1FSTJBQBONQMFNFOUBTJ5FLOPMPHJ,BUVIJQ TJDDT EWBODF 2VBMJUZTTVSBODF 4USBUFHJ1FOVSVOBOQM,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL.FOKBHB TTFUBOL 5SBOTBLTJ1FOJMBJBOHVOBO,SFEJU SUMBER DAYA MANUSIA 275 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No. Diklat Grade 14 EWBODFPPEPSQPSBUFPWFSOFODF PSBOLJOH LVOUBOTJ1SPEVLFWJTB OBMJTBFCBO,FSKBBO1FOZVTVOBO,1 BTJDFSJWBUJWF JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL PPTU:PVS1PUFOUJBMPNNVOJDBUJPO4LJMM 7 SBODI.BOBHFSFWFMPQNFOU1SPHSBN BMPOTTFTPSJEBOH1FSCBOLBO FSUJmFEFIBWJPS1SPmMMJOHFSUJmFEBOEXSJUJOHOBMZTJT FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS FSUJmFEOGPSNBUJPO4ZTUFNVEJUPS IBOHF-FBEFSTIJQ PSQPSBUFVEHFUJOH SFEJU3JTL.BOBHFNFOU BNQBL3JTJLPVLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU FUFLTJ3JTJLP0QFSBTJPOBMBO4USFTT5FTU.PEFM GGFDUJWFFMFHBUJPOOE5BTL.BOBHFNFOU GGFDUJWF1SFTFOUBUJPO4LJMM YFDVUJWFPNNFSDJBMBOLJOH JOBODJBM.PEFMMJOHPSBOLT VOE5SBOTGFS1SJDJOH BL5BOHHVOHBO NQMFNFOUBTJ5ISFF-JOFT0GFGFODF OUFHSBUFEFX1SPEVDU OUFSNFEJBUFBOLJOH OUFSOBUJPOBMBOLVBSBOUFF 40 ,FXBTQBEBBO BO 5BOUBOHBO BOL J JEBOH 1FOHBXBTBO BO 1FOHFOEBMJBO ,,1 ,OPX:PVSVTUPNFSOEOUJ.POFZ-BVOESZ ,OPXJOH:PVSTFMG ,POGFSFOTJBTJPOBM7JLBUBOVEJUPSOUFSOBOL -FBO4JY4JHNBVOEBNFOUBM5SBJOJOH .BOBKFNFO1FSVCBIBO .BTUFSJOHYDFMPS0GmDFBUB1SPDFTTJOH4ZTUFN .FDIBOJTN-FUUFS0GSFEJU .FOUBMJUZPPTUFS5SBJOJOH BTJPOBMLTFLVTJ+BNJOBOVUBOH.JMJL1FSCBOLBOBSJ1FSTQFLUJG-FMBOH FHPUJBUJPO4LJMMTPSBOLFST 0VUCPOE 1FOEJEJLBOBTBS1FOJMBJBO 11 JTOJT 1FOEJEJLBOBTBS1FOJMBJBO II 1SPQFSUJ 1FOEJEJLBO-BOKVUBO1FOJMBJBO 1-1 1SPQFSUJ 1SPTQFLOWFTUBTJBOB1FOTJVO-FNCBHB,FVBOHBO 24FCBHBJ5FLOJL1FOHVBUBO1FOFSBQBOOUFSOBMPOUSPM 3FGSFTINFOU.BOBKFNFO3JTJLP No. Diklat Grade 14 3FGSFTINFOU.BOBKFNFO3JTJLPBOL5SBOTGFS1SJDJOH 3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-3BO1SPmUBOL 3JTLBTFEVEJUOBMJTB5FNVBO,SFEJU 4FNJOBS FXFS JHHFS PMEFS SPN .JOEMFTT YQBOTJPO 5P PDVTFE SPXUI 4FNJOBSBTJPOBMQETJ 4FNJOBS0VUXBSE1PMJUJDBMFGFODF1PTJTJ1PMJUJLLPOPNJBOLOEPOFTJB BO0+, 4FNJOBS3JTL.BOBHFNFOU6OUVL-FNCBHB,FVBOHBOPOBOL 4FNJOBS5FOBHB,FSKBBO1+4 4FNJOBS5SBEJOHSBVETOO6ODFSUBJODPOPNJDMJNBUF 4FSUJmLBTJJSFLTJ13 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4USBUFHJOUJSBVEBOLJOH 4USBUFHJD.BOBHFNFOU 4VQQMZIBJO 4ZOEJDBUFE-PBO 5FLOJLOBMJTB5SBOTBLTJ,FVBOHBO.FODVSJHBLBO 5IF6TF0GTMBNJTJOBODFOTUSVNFOUOFWFMPQNFOUJOBODF 5SBJOPS5SBJOFS 505 5SBJOJOH401 5VSBSPVOE4USBUFHZ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM No. Diklat Grade 15 FBVUZMBTTCBOL bjb BCBOH,BSBXBOH PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH GGFDUJWF1SFTFOUBUJPO4LJMM NPOFZ YFDVUJWFPNNFSDJBMBOLJOH OOPWBUJWF.BSLFUJOH4USBHUFHZ 7 ,OPXJOH:PVSTFMG .BTUFSJOHTTFU-JBCJMJUZ.BOBHFNFOU 0VUCPOE 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 1FMBUJIBO4USBUFHJD.BOBHFNFOU 4USVDUVSFE5SBEFJOBODF 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-3BO1SPmUBOL 4FNJOBS.FOJOHLBULBO1FSBOBO,JOFSKBBOB1FOTJVO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 5VSBSPVOE4USBUFHZ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM HUMAN RESOURCES 276 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No. Diklat Grade 16 FODINBSLJOH4FTQJCBOLOHLBUBO GGFDUJWFFMFHBUJPOOE5BTL.BOBHFNFOU GGFDUJWF1SFTFOUBUJPO4LJMM YFDVUJWFPNNFSDJBMBOLJOH .BTUFSJOHTTFU-JBCJMJUZ.BOBHFNFOU 0VUCPOEBCBOHFLBTJ 7 3FGSFTINFOU.BOBKFNFO3JTJLP 4FNJOBS FXFS JHHFS PMEFS SPN .JOEMFTT YQBOTJPO 5P PDVTFE SPXUI 441, 8PSLTIPQ.BOBKFNFOTTFUFSCBTJT5FLOPMPHJ 1FMBUJIBO4USBUFHJD.BOBHFNFOU 4USVDUVSFE5SBEFJOBODF 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-ESBO1SPmUBOL 4FNJOBS.FOJOHLBULBO1FSBOBO,JOFSKBBOB1FOTJVO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 5VSBSPVOE4USBUFHZ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM No. Diklat Grade 17 FODINBSLJOH4FTQJCBOL .BOBKFNFOOWFTUBTJBOB1FOTJVO 0VUCPOEBCBOH6UBNBBOEVOH 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 3FGSFTINFOU.BOBKFNFO3JTJLP 4FSUJmLBTJ.BOBKFNFO6NVNBOB1FOTJVO 7 4FTQJCBOL 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 0VUCPOE 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 1FMBUJIBO4USBUFHJD.BOBHFNFOU 4USVDUVSFE5SBEFJOBODF 3FGSFTINFOU.BOBKFNFO3JTJLP 3FGSFTINFOU.BOBKFNFO3JTJLP1FMBUJIBO5JOHLBULBO-ESBO1SPmUBOL 4FNJOBS.FOJOHLBULBO1FSBOBO,JOFSKBBOB1FOTJVO 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 5VSBSPVOE4USBUFHZ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM No. Diklat Grade 18 0VUCPOE 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM No. Diklat Grade 18 5PU -BOKVUBO 1JMPUJOH 1FNCFOUVLBO 5VOBT OUFHSJUBT BO 1FNCBOHVOBO 4JTUFNOUFHSJUBT0SHBOJTBTJ 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM No. Diklat Grade 19 MPCBM5BYPOGFSFODFTJB1BTJmD EWBODFPPEPSQPSBUFPWFSOFODF DH PSBOLJOH LVOUBOTJTVSBOTJ6QEBUF1TBL QQSBJTBM1SPQFSUZ TQFLVLVN,FQBJMJUBO WPJEJOHPOnJDU0GOUFSFTUOOUFSOBUJPOBMPNNFSDJBMSCJUSBUJPOOE .FEJBUJPO 7 BMPOTTFTPSJEBOH1FSCBOLBO PNQMJBODF.BOBHFNFOU SFEJU3JTL.BOBHFNFOU SNBBMJOUFSOBUJPOBM4FNJOBS0OOUFSQSJDF3JTL.BOBHFNFOU SNBBMJOUFSOBUJPOBM4FNJOBS0OOUFSQSJTF3JTL.BOBHFNFOU YFDVUJWFPSQPSBUF-BX FOFSBUJPO:O5IF8PSLQMBDF NQMFNFOUBTJBONQMJLBTJBL5BOHHVOHBOBOJEVTJB OUFSOBM2NTVEJUPS5SBJOJOH OUFSOBUJPOBMPOGFSFODF0OSPXUI4USBUFHJFTPS3JTJOHOEPOFTJB ,OPXJOH:PVSTFMG ,POGFSFOTJBTJPOBM7JLBUBOVEJUPSOUFSOBOL BJC 0VUCPOE 1FOFSBQBODH4FCBHBJ-BOEBTBO.FXVKVELBOQE3FHJPOBMIBNQJPOT 1FSGPSNBODF.FBTVSFNFOUOEBOLJOH.BOBHFNFOU 3FGSFTINFOU.BOBKFNFO3JTJLP 4FNJOBS FXFS JHHFS PMEFS SPN .JOEMFTT YQBOTJPO 5P PDVTFE SPXUI 4FNJOBS BJ TFBO OUFHSBUFE DDPVOUJOH 1SPGFTTJPO PS 4VTUBJOBCMF DPOPNJDSPXUI 4FNJOBSBTJPOBMQETJ 4FNJOBS0VUXBSE1PMJUJDBMFGFODF1PTJTJ1PMJUJLLPOPNJBOLOEPOFTJB BO0KL 4FNJOBS1FSFLPOPNJBO.JEEMFODPNF5SBQ 4FNJOBS1SPTQFLOWFTUBTJBOB1FOTJVOSB1FNFSJOUBIBOBSV 4FNJOBS5FOBHB,FSKBBOQKT 4FNJOBS5SBEJOHSBVETOO6ODFSUBJODPOPNJDMJNBUF 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 4FTQJCBOL 4USVDUVSFE5SBEFJOBODF 4VQQMZIBJO 5PUBSUB,FLBZBBOFHBSB -ILQO 5PU -BOKVUBO 1JMPUJOH 1FNCFOUVLBO 5VOBT OUFHSJUBT BO 1FNCBOHVOBO 4JTUFNOUFHSJUBT0SHBOJTBTJ .BOBHFNFOU0GPO1FSGPSNJOH-PBOT SUMBER DAYA MANUSIA 277 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Unit Penunjang Layanan SDM 1FOHFMPMBBO PQFSBTJPOBM EBO TUSBUFHJT EJMBLTBOBLBO PMFI ,BOUPS1VTBUDRJWJTJ4VNCFSBZB.BOVTJB1FOHFMPMBBO PQFSBTJPOBM EJMBLTBOBLBO QVMB QBEB TFUJBQ 6OJU ,FSKB PMFI 1FHBXBJZBOHNFMBLTBOBLBOVOHTJ4VNCFSBZB.BOVTJB 6OUVL NFOEVLVOH QFOHFMPMBBO 4. ZBOH CBJL JWJTJ 4. TBBU JOJ UFMBI NFOHHVOBLBO BQMJLBTJ Human Resource Information System 34 EBMBN QFOHFMPMBBO QFHBXBJOZB 4JTUFN JOJ EJCVBU TFNVEBI NVOHLJO BHBS EBQBU EJHVOBLBO PMFI QFHBXBJ EJNBOB EBMBN TJTUFN JOJ QFHBXBJ EBQBU NFMBLVLBOTFHBMBTFTVBUVEFOHBO self service QMJLBTJ 34 UFSTFCVU OBOUJOZB EBQBU NFOHBLPNPEBTJ CFSCBHBJ NBDBN IBM ZBOH CFSIVCVOHBO EFOHBO 4. EJ BOUBSBOZB KBMVS LBSJS QFOJMBJBO LJOFSKB talent pool EBO MBJO TFCBHBJOZBQMJLBTJJOJBLBOUFSVTEJMBLVLBOQFOZFNQVSOBBO TFTVBJEFOHBOLFCVUVIBONBOBKFNFO Kesempatan Kerja yang Sama disetiap Level Organisasi 4FUJBQQFHBXBJNFOEBQBULBOLFTFNQBUBOLFSKBZBOHTBNB 5FSLBJU EFOHBO LFOBJLBO KBCBUBO TFUJBQ QFHBXBJ ZBOH UFMBI NFNFOVIJ QFSTZBSBUBO NFNJMJLJ IBL ZBOH TBNB VOUVL NFOEVEVLJKBCBUBOZBOHMFCJIUJOHHJEFOHBONFNQFSIBUJLBO LVBMJmLBTJ LPNQFUFOTJ EBO QFOHBMBNBO TFSUB LJOFSKB EBO QFSJMBLVQFHBXBJ ,VBMJmLBTJQFHBXBJVOUVLQSPNPTJLFUJOHLBUZBOHMFCJIUJOHHJ EJUFUBQLBO CFSEBTBSLBO QBSBNFUFS LSJUFSJB EBO NFLBOJTNF QFOJMBJBO ZBOH KFMBT EBO PCKFLUJG ,FQVUVTBOOZB NFOKBEJ XFXFOBOHNBOBKFNFO Jumlah Karyawan 4BNQBJ EFOHBO FTFNCFS UPUBM 4. 1FSTFSPBO BEBMBITFCBOZBLPSBOHLBSZBXBO EFOHBOLFUFSBOHBO TFCBHBJCFSJLVU +VNMBILBSZBXBOCFSEBTBSLBOJSFLUPSBU SBEF 5PUBMPGNQMPZFFTCBTFEPOSBEJOH-FWFM Grade 2012 2013 2014 Grading Level 4784 304 774 405 502 HR Services Support Unit 0QFSBUJPOBM BOE TUSBUFHJD NBOBHFNFOU JT DPOEVDUFE CZ UIF FBE 0GmDF VNBO 3FTPVSDFT JWJTJPO 0QFSBUJPOBM NBOBHFNFOU JT BMTP DBSSJFE PVU PO FBDI 8PSL 6OJU CZ NQMPZFFTUIBUNQMFNFOUUIFVNBO3FTPVSDFTVODUJPO 5P TVQQPSU HPPE IVNBO SFTPVSDFT NBOBHFNFOU UIF 3 JWJTJPO DVSSFOUMZ VTFT UIF VNBO 3FTPVSDF OGPSNBUJPO 4ZTUFN 34 BQQMJDBUJPOJOUIFNBOBHFNFOUPGFNQMPZFFT 5IJTTZTUFNXBTDSFBUFEBTFBTZBTQPTTJCMFGPSUIFVTFPG FNQMPZFFT XIFSFXJUIUIJTTZTUFN FNQMPZFFTDBODPOEVDU TFMGTFSWJDFT 5IF 34 BQQMJDBUJPO XJMM BDDPNNPEBUF B XJEF SBOHF PG NBUUFST SFMBUFE UP IVNBO SFTPVSDFT JODMVEJOH DBSFFS QBUIT QFSGPSNBODFBQQSBJTBM UBMFOUQPPM BOETPGPSUI5IF BQQMJDBUJPOXJMMDPOUJOVFUPCFJNQSPWFEJOBDDPSEBODFXJUI UIFOFFETPGUIFNBOBHFNFOU Equal Employment Opportunities in every Organizational level MMFNQMPZFFTIBWFFRVBMFNQMPZNFOUPQQPSUVOJUJFT3FMBUFE UPQSPNPUJPO FNQMPZFFTXIPIBWFGVMmMMFEUIFSFRVJSFNFOUT IBWF FRVBM SJHIUT UP PDDVQZ IJHIFS QPTJUJPOT CZ UBLJOH JOUP BDDPVOUUIFDPNQFUFODFRVBMJmDBUJPOTBTXFMMBTFYQFSJFODF QFSGPSNBODFBOECFIBWJPSPGUIFFNQMPZFFT 2VBMJmDBUJPOTGPSUIFQSPNPUJPOUPIJHIFSMFWFMTBSFTQFDJmFE CBTFE PO DMFBS BOE PCKFDUJWF QBSBNFUFST DSJUFSJB BOE BTTFTTNFOUNFDIBOJTN5IFEFDJTJPOCFDPNFTUIFBVUIPSJUZ PGUIFNBOBHFNFOU Number of Employees TPGFDFNCFSUIFDPNQBOZTUPUBMIVNBOSFTPVSDFT JT FNQMPZFFT XJUIUIFGPMMPXJOHEFTDSJQUJPO HUMAN RESOURCES 278 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Grade 2012 2013 2014 Grading Level 119 77 103 7 6 24 Jumlah 4.881 6.395 7.021 Total +VNMBI,BSZBXBOFSEBTBSLBO-FWFM+BCBUBO 5PUBMPGNQMPZFFTCBTFEPO1PTJUJPO-FWFM Jenjang Manajemen 2010 2011 2012 2013 2014 Management Level .BOBKFNFO1VODBL 30 5PQ.BOBHFNFOU .BOBKFNFO.BEZB 218 4FOJPS.BOBHFNFOU .BOBKFNFO-JOJ 1.677 +VOJPS.BOBHFNFOU 4UBGEBO-BJOOZB 5.096 4UBGGBOE0UIFST Jumlah 2.048 2.121 4.881 6.395 7.021 Total +VNMBI,BSZBXBOFSEBTBSLBO.BTB,FSKB 5PUBMPGNQMPZFFTCBTFEPO8PSLJOH1FSJPE Masa Kerja 2010 2011 2012 2013 2014 Working Period 5BIVO 5.822 :FBST 5BIVO 521 :FBST W 343 :FBST 5BIVO 248 :FBST 5BIVO 87 :FBST Jumlah 2.048 2.121 4.881 6.395 7.021 Total +VNMBI,BSZBXBOFSEBTBSLBO6TJB 5PUBMPGNQMPZFFTCBTFEPOHF Jenjang Usia 2010 2011 2012 2013 2014 Age Level 5BIVO 5.494 :FBST 5BIVO 1.023 :FBST 5BIVO 429 :FBST -FCJIEBSJ5BIVO 75 -FCJIEBSJ:FBST Jumlah 2.048 2.121 4.881 6.395 7.021 Total +VNMBI,BSZBXBOFSEBTBSLBO1FOEJEJLBO 5PUBMPGNQMPZFFTCBTFEPOEVDBUJPO-FWFM Jenjang Pendidikan 2010 2011 2012 2013 2014 Educational Level 4 2 PDUPSBM 1BTDB4BSKBOB4 282 1PTUSBEVBUF 4BSKBOBEBO4FEFSBKBU 5.341 6OEFSHSBEVBUF JQMPNB 1.376 JQMPNB 4FLPMBI-BOKVUBO5JOHLBUUBT EBO4FEFSBKBU 17 4FOJPSJHI4DIPPM 4FLPMBI.FOFOHBI5JOHLBU 1FSUBNB 1 +VOJPSJHI4DIPPM 4FLPMBIBTBS 7 2 MFNFOUBSZ4DIPPM Jumlah 2.052 2.121 4.881 6.395 7.021 Total SUMBER DAYA MANUSIA 279 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data +VNMBI,BSZBXBOFSEBTBSLBO4UBUVT 5PUBMPGNQMPZFFTCBTFEPO4UBUVT-FWFM 4UBUVT 2010 2011 2012 2013 2014 4UBUVT 5FUBQ 5.655 1FSNBOFOU BMPO1FHBXBJ 1.366 1SPTQFDUJWF Jumlah 2.048 2.121 4.881 6.395 7.021 Total .BOBKFNFO1VODBL 5PQ.BOBHFNFOU .BOBKFNFO.BEZB 4FOJPS.BOBHFNFOU .BOBKFNFO-JOJ +VOJPS.BOBHFNFOU 4UBGEBO-BJOOZB 4UBGGBOE0UIFST Jumlah Karyawan Berdasarkan Level Jabatan 5PUBMPGNQMPZFFTCBTFEPO1PTJUJPO-FWFM 72,58 .BOBKFNFO1VODBL 5PQ.BOBHFNFOU .BOBKFNFO.BEZB 4FOJPS.BOBHFNFOU .BOBKFNFO-JOJ +VOJPS.BOBHFNFOU 4UBGEBO-BJOOZB 4UBGGBOE0UIFST Jumlah Karyawan Berdasarkan Level Jabatan 5PUBMPGNQMPZFFTCBTFEPO1PTJUJPO-FWFM 5BIVO :FBST 5BIVO :FBST 5BIVO :FBST -FCJIEBSJ5BIVO .PSFUIBO:FBST Jumlah Karyawan Berdasarkan 6TJB 5PUBMPGNQMPZFFTCBTFEPOHF 78,25 5BIVO :FBST 5BIVO :FBST 5BIVO :FBST -FCJIEBSJ5BIVO .PSFUIBO:FBST Jumlah Karyawan Berdasarkan 6TJB 5PUBMPGNQMPZFFTCBTFEPOHF 5FUBQ 1FSNBOFOU BMPO1FHBXBJ 1SPTQFDUJWF Jumlah Karyawan Berdasarkan Status 5PUBMPGNQMPZFFTCBTFEPO4UBUVT-FWFM 80,54 5FUBQ 1FSNBOFOU BMPO1FHBXBJ 1SPTQFDUJWF Jumlah Karyawan Berdasarkan Status 5PUBMPGNQMPZFFTCBTFEPO4UBUVT-FWFM HUMAN RESOURCES 280 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Biaya Pengembangan Kompetensi Karyawan selama tahun 2014 OHHBSBOQFOEBOBBOZBOHEJQFSHVOBLBOVOUVLNFOEVLVOH UFSMBLTBOBOZB QFMBUJIBO EFOHBO CBJL EJTFTVBJLBO EFOHBO QSPHSBNQFSVTBIBBOEFOHBOUFUBQNFNQFSIBUJLBOLFUFOUVBO ZBOH CFSMBLV +VNMBI BOHHBSBO EBOB QFMBUJIBO EJEBTBSLBO QBEBLFUFOUVBO4VSBUEBSBOBOLOEPOFTJBP611 QFSJIBM1FOZFEJBBOBOBVOUVL1FOHFNCBOHBO4VNCFSBZB .BOVTJB BOL 6NVN EBO 4VSBU ,FQVUVTBO BOL OEPOFTJB OPNPS ,13 UBOHHBM .BSFU UFOUBOH 1FOZFEJBBO BOB VOUVL 1FOHFNCBOHBO 4VNCFS BZB BOL6NVNCBIXBQFOZFEJBBOEBOBQFOEJEJLBOTFLVSBOH LVSBOHOZBEBSJBOHHBSBOQFOHFMVBSBO4. QBCJMB EBOB 1FMBUJIBO UFSTFCVU NBTJI UFSTJTB NBLB CBOL EBQBU NFOBNCBILBO EBOB QFMBUJIBO UFSTFCVU LF BOHHBSBO EBOB QFMBUJIBO UBIVO CFSJLVUOZB FSJLVU BEBMBI EBTBS QFSIJUVOHBOBOHHBSBO1FMBUJIBOUBIVO No. Keterangan Total Rp Description OHHBSBO5BIVO 3Q 72.000.000.000 VEHFU 3Q 3FBMJTBTJQFSFTFNCFS 3Q 54.055.554.975 3FBMJ[BUJPOBTQFSFDFNCFS 3Q 1SFTFOUBTF 75,08 1FSDFOUBHF FOHBOEFNJLJBO BOHHBSBOQFMBUJIBOZBOHEBQBUEJHVOBLBO PMFI JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UBIVO TFCBOZBL 3Q NJMJBS 5PUBM CJBZB LFHJBUBO QFOEJEJLBO EBO QFMBUJIBO ZBOHEJLFMVBSLBOPMFIJWJTJ1FMBUJIBOTBNQBJFTFNCFS TFCFTBS3Q NJMJBS +VNMBI UFSTFCVU TFUBSB EFOHBO EBSJ QSPZFLTJ CJBZB QFMBUJIBO UBIVO UBOQB EJUBNCBI TJTB LVNVMBUJG UBIVO UBIVOTFCFMVNOZB4FEBOHLBOBQBCJMBEJUBNCBIEFOHBOTJTB BOHHBSBOUBIVOUFSDBQBJ Rencana dan Strategi Pendidikan dan Pelatihan dalam mengembangkan SDM bank bjb BMBN SBOHLB QFOHFNCBOHBO EBO QFOJOHLBUBO LVBMJUBT 4VNCFS BZB .BOVTJB QFSMV EJMBLVLBO QFOBUBBO TJTUFN QFOEJEJLBO EBOBUBV QFMBUJIBO QFHBXBJ ZBOH EBMBN JNQMFNFOUBTJOZBEJTFTVBJLBOEFOHBOLPOEJTJEBOLFNBNQVBO QFSVTBIBBOTFSUBUVOUVUBOQFSLFNCBOHBOJMNVQFOHFUBIVBO EBOUFLOPMPHJZBOHEJCVUVILBOBOLTBBUJOJEBONBTBZBOH BLBO EBUBOH JNBOB 7JTJ EBO .JTJ JWJTJ 1FOEJEJLBO EBO 1FMBUJIBOBEBMBI Expenses of Employee Competence Development during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lans and Strategy of the Education and Training Division in Developing bank EME·V +XPDQ Resources O PSEFS UP EFWFMPQ BOE JNQSPWF UIF RVBMJUZ PG VNBO 3FTPVSDFT JUJTOFDFTTBSZUPSFGPSNUIFTZTUFNPGFEVDBUJPO BOEPSUSBJOJOHPGFNQMPZFFTJOJUTJNQMFNFOUBUJPOUBJMPSFEUP UIFDPOEJUJPOTBOEUIFBCJMJUZPGUIFDPNQBOZBTXFMMBTUIF EFNBOETPGUIFEFWFMPQNFOUPGTDJFODFBOEUFDIOPMPHZGPS UIFDVSSFOUBOEGVUVSFSFRVJSFNFOUTPGUIFBOL5IF7JTJPO BOE.JTTJPOPGUIFJWJTJPOPGEVDBUJPOBOE5SBJOJOHBSF SUMBER DAYA MANUSIA 281 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Visi i.FOKBEJ Centre of Learning Organization EBMBN.FOEPSPOH ,FHJBUBOJTOJTBOLw Misi 4FCBHBJ QVTBU LFQFNJNQJOBO Centre of Leadership ZBJUV UFNQBU NFOHFNCBOHLBO EBO NFODJQUBLBO LBEFS LBEFS QFNJNQJO NBTB EFQBO CBOL bjb ZBOH NVNQVOJ EBOWJTJPOFSEBMBNNFOHFNCBOHLBOLFHJBUBOCJTOJTCBOL bjb 4FCBHBJ QVTBU QFOHFNCBOHBO LPNQFUFOTJ Centre of Competency ZBJUVNFODJQUBLBOQFHBXBJBOLLPNQFUFO NFMBMVJQFOHFNCBOHBO attitude, knowledge EBO skill 4FCBHBJ QVTBU TFSUJmLBTJ FOUSF PG FSUJmDBUJPO ZBJUV NFODJQUBLBO QFHBXBJ BOL ZBOH NFNQVOZBJ TUBOEBS LPNQFUFOTJZBOHEJBLVJBUBVUFSTFSUJmLBTJ 4FMVSVILFHJBUBOJLMBUEJBSBILBOVOUVLQFOJOHLBUBOLVBMJUBT LPNQFUFOTJTFIJOHHBEBQBUEJDBQBJ 5FSTFEJBOZB4.ZBOHCFSLVBMJUBTEBOQSPGFTJPOBMHVOB NFOVOKBOHLFHJBUBOKBTBMBZBOBOCJTOJTEBOPQFSBTJPOBM BOL 5FSTFEJBOZB 4. ZBOH NFNJMJLJ LPNQFUFOTJ EBMBN NFNFOVIJ QFSTZBSBUBO KBCBUBO ZBOH TFEBOH NBVQVO ZBOHBLBOEJKBCBU .FOJOHLBULBOQFOHFUBIVBO LFUFSBNQJMBOEBOXBXBTBO TFMVSVIQFOHVSVTEBOBUBVQFHBXBJ FOHBO EFNJLJBO TUSBUFHJ JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO ZBOHUFSUVBOHEBMBN3FODBOBJTOJTCBOLZBOHNFOEVLVOH WJTJEBONJTJEJNBLTVE ZBJUV .FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program Academy ZBOHCFSTJGBUUFLOJLBM .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program Academy ZBOHCFSTJGBU softskill. .FSBODBOH QSPHSBN 1FOEJEJLBO EBO QFMBUJIBO ZBOH NFOEVLVOHQFOHFNCBOHBOCJTOJTCBOLTFDBSBUFSTUSVLUVS EBOCFSLFTJOBNCVOHBOTFTVBJEFOHBO Training Program Academy .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOH LPNQFUFOTJ NBOBKFSJBM EBO LFQFNJNQJOBO CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program Academy. 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XIJDIXJMMCFDPNQMFNFOUBSZUPUIF345BTXFMMBT CFDPNJOH B SFGFSFODF JO UIF JNQMFNFOUBUJPO PG UIF 5 BSDIJUFDUVSF5TUBOEBSETJTBQQSPWFECZUIFFBEPGUIF 5JWJTJPO TEKNOLOGI INFORMASI 295 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Pelaksanaan Program 2014 JWJTJ 5FLOPMPHJ OGPSNBTJ CBOL bjb UFSVT NFMBLVLBO QFOHFNCBOHBO BQMJLBTJ CBJL JUV EJMBLVLBO PMFI JOUFSOBM NBVQVOPMFIQJIBLWFOEPSBUBTQFSNJOUBBOBUBVLFCVUVIBO CBOL bjb 1FOHFNCBOHBO ZBOH EJMBLVLBO TFMBSBT EFOHBO SFODBOBCJTOJTCBOLNBVQVO Information Technology strategic Plan 541 ZBOHUFMBIEJTVTVOTFIJOHHBEBMBNUBIVO UFSEBQBUBQMJLBTJBQMJLBTJEBOmUVSmUVSCBSVZBOHNBTVLLF BSFBQSPEVLTJZBJUVTFKVNMBI TFCBHBJNBOBCFSJLVU No Program Kerja Type of Development Work Program Inhouse External OIBODFNFOU bjb BTU3FQSJOU1BTTCPPL ð OIBODFNFOU bjb BTU3FQSJOU1BTTCPPL OIBODFNFOU bjb BTU.1.PEVM ð OIBODFNFOU bjb BTU.1.PEVM OIBODFNFOU bjb -. ð OIBODFNFOU bjb -. 2VJDLBTIPTUUPPTUFBE0GmDF ð ð 2VJDLBTIPTUUPPTUFBE0GmDF QMJLBTJ8SJUF0GG JOBM ð 8SJUF0GGQQMJDBUJPO JOBM bjb VUPFCJU4ZTUFN 5BCVOHBO5BOEBNBUB FSKBOHLB ð ð bjb VUPFCJU4ZTUFN 5BCVOHBO5BOEBNBUB FSKBOHLB 7 OIBODFNFOU6TFSYJUWBMJEBTJNFOV5 ð OIBODFNFOUPG6TFSYJU.FOV7BMJEBUJPO5 OIBODFNFOU6TFSYJUWBMJEBTJNFOV5 ð OIBODFNFOUPG6TFSYJU.FOV7BMJEBUJPO5 OIBODFNFOU.FOV84 ð OIBODFNFOU.FOV84 JYRVBUJPO1BUDI ð ð JYRVBUJPO1BUDI JYRVBUJPO1BUDI ð ð JYRVBUJPO1BUDI OIBODFNFOU6TFSYJU79 ð OIBODFNFOU6TFSYJU79 OIBODFNOFU6TFSYJU.79 ð OIBODFNOFU6TFSYJU.79 OIBODFNFOU6TFSYJU79 ð OIBODFNFOU6TFSYJU79 FCZBS5BOEBNBUBLIJS5BIVO ð FCZBS5BOEBNBUBOEPG:FBS OIBODFNFOU.FOV: OGPSNBTJMBNBU BTBCBI ð OIBODFNFOU.FOV: EESFTTVTUPNFS OGPSNBUJPO QMJLBTJ4VC4ZTUFN+ ð QQMJDBUJPO4VC4ZTUFN+ JYRVBUJPO1BUDI ð ð JYRVBUJPO1BUDI JYRVBUJPO1BUDI ð ð JYRVBUJPO1BUDI 4FUUJOH1BSBNFUFSFXJSP7BMBT ð 4FUUJOH1BSBNFUFSFXJSP7BMBT .JHSBTJJSP7BMBT ð .JHSBTJJSP7BMBT 4FUUJOH1BSBNFUFSJBZBENJOJTUSBTJ5BOEBNBUB JTOJT ð 4FUUJOH1BSBNFUFSJBZBENJOJTUSBTJ5BOEBNBUB JTOJT 4FUUJOH1BSBNFUFS,.,,PQFSBTJ ð 4FUUJOH1BSBNFUFS,.,,PQFSBTJ 4FUUJOH1BSBNFUFS,.,4VQQMZIBJOJOBODJOH ð 4FUUJOH1BSBNFUFS,.,4VQQMZIBJOJOBODJOH 4FUUJOH1BSBNFUFS,,PQFSBTJ ð 4FUUJOH1BSBNFUFS,,PQFSBTJ 4FUUJOH1BSBNFUFS13,,PQFSBTJ ð 4FUUJOH1BSBNFUFS13,,PQFSBTJ 4FUUJOH1BSBNFUFS bjb ,1341SJNBSZ ð 4FUUJOH1BSBNFUFS bjb ,1341SJNBSZ 4FUUJOH1BSBNFUFS bjb ,1344FDPOE ð 4FUUJOH1BSBNFUFS bjb ,1344FDPOE 4FUUJOH1BSBNFUFS bjb .PSUHBHF1SPQFSUJ6TBIB 5BLF0WFS9USB ð 4FUUJOH1BSBNFUFS bjb .PSUHBHF1SPQFSUJ6TBIB 5BLF0WFS9USB 2014 Program Implementation 5IF5JWJTJPOPGCBOL bjb DPOUJOVFUPEFWFMPQBQQMJDBUJPOT CPUI JOUFSOBMMZ PS CZ WFOEPST BU UIF SFRVFTU PS SFRVJSFNFOU PG CBOL bjb FWFMPQNFOUT DBSSJFE PVU BSF JO MJOF XJUI UIF CVTJOFTT QMBO PG UIF CBOL BOE UIF OGPSNBUJPO 5FDIOPMPHZ 4USBUFHJD 1MBO 541 UIBU IBE CFFO QSFQBSFE TP UIBU JO UIFSFBSFBQQMJDBUJPOTBOEOFXGFBUVSFTUIBUBSFJOUIF QSPEVDUJPOBSFB UPUBMJOHUP BTGPMMPXT INFORMATION TECHNOLOGY 296 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No Program Kerja Type of Development Work Program Inhouse External 4FUUJOH1BSBNFUFS+,131FHBXBJ1FNCFMJBO ð 4FUUJOH1BSBNFUFS+,131FHBXBJ1FNCFMJBO 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ .FNCBOHVO ð 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ .FNCBOHVO 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ .VMUJHVOB ð 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ .VMUJHVOB 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ5BLF 0WFS9USB ð 4FUUJOH1BSBNFUFS+.PSUHBHF1FHBXBJ5BLF 0WFS9USB 1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV. ð 1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV. 1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBOBUB30 ð 1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBOBUB30 5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO ,PNFSTJBM ð 5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO ,PNFSTJBM 5FTUJOH1BUDI13, ð ð 5FTUJOH1BUDI13, 1FSVCBIBOBNB-PBO5ZQF,13 ð 1FSVCBIBOBNB-PBO5ZQF,13 JYRVBUJPO1BUDI ð ð JYRVBUJPO1BUDI 8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL ð 8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL 4FUUJOH1BSBNFUFS13,,PQFSBTJ ð 4FUUJOH1BSBNFUFS13,,PQFSBTJ OIBODFNFOU.FOVVLVOHBOBOL ð OIBODFNFOU.FOVVLVOHBOBOL 1FOHFOEBMJBO5FSIBEBQVTUPNFS5ZQF ð 1FOHFOEBMJBO5FSIBEBQVTUPNFS5ZQF 1FOHFOEBMJBOOQVUCVOHB5BCVOHBOEBOJSP ð 1FOHFOEBMJBOOQVUCVOHB5BCVOHBOEBOJSP 1FOHFOEBMJBOOQVU5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLV ð 1FOHFOEBMJBOOQVU5BOEBNBUB1VSOBCBLUJ 5BCVOHBOLV 1FOHFOEBMJBOOQVU4BMEP.JOJNVN1SPEVL 5BCVOHBOJSP ð 1FOHFOEBMJBOOQVU4BMEP.JOJNVN1SPEVL 5BCVOHBOJSP 1FOHFOEBMJBO,PSFLTJOQVUMBNBUBTBCBI ð 1FOHFOEBMJBO,PSFLTJOQVUMBNBUBTBCBI 1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN FQPTJUP ð 1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN FQPTJUP 1FOHFNCBOHBOQMJLBTJ-.4 MPBO.HNU4ZTU ð 1FOHFNCBOHBOQMJLBTJ-.4 MPBO.HNU4ZTU 1FOHFNCBOHBOQMJLBTJDVTUPEJ ð 1FOHFNCBOHBOQMJLBTJDVTUPEJ 1FOHFNCBOHBOQMJLBTJSBODITTVF .BOBHFNFOU4ZTUFN1IBTF .4 ð 1FOHFNCBOHBOQMJLBTJSBODITTVF .BOBHFNFOU4ZTUFN1IBTF .4 1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP ð 1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP 1FOHFNCBOHBOQMJLBTJ+BNLSJOEP ,630O-JOF JWJTJ.JLSP ð 1FOHFNCBOHBOQMJLBTJ+BNLSJOEP ,630O-JOF JWJTJ.JLSP 1FOHFNCBOHBO,VFTJPOFS.0 ð 1FOHFNCBOHBO,VFTJPOFS.0 1FOHFNCBOHBO.063FNJOEFS ð ð 1FOHFNCBOHBO.063FNJOEFS 1FOHFNCBOHBO4JTUFNQMJLBTJ1FMBQPSBO5 OUFSOBUJPOBMVOE5SBOTGFSOTUSVDUJPO ð 1FOHFNCBOHBO4JTUFNQMJLBTJ1FMBQPSBO5 OUFSOBUJPOBMVOE5SBOTGFSOTUSVDUJPO 1FOHFNCBOHBO4JTUFNQMJLBTJ34 ð 1FOHFNCBOHBO4JTUFNQMJLBTJ34 1FOHFNCBOHBO4JTUFNQMJLBTJBSBOTJCBOL ð 1FOHFNCBOHBO4JTUFNQMJLBTJBSBOTJCBOL 1FOHFNCBOHBO8BMJNBOBU ð 1FOHFNCBOHBO8BMJNBOBU 1PSUGPMJP.BOBHFNFOUBOEQQMJDBUJPO-JGFDZDMF .BOBHFNFOU ð 1PSUGPMJP.BOBHFNFOUBOEQQMJDBUJPO-JGFDZDMF .BOBHFNFOU 1FOHFNCBOHBOQMJLBTJ34 ð 1FOHFNCBOHBOQMJLBTJ34 QMJLBTJEFQPTJUPCSFBLBCMFEBO0 ð QMJLBTJEFQPTJUPCSFBLBCMFEBO0 1FOHFNCBOHBOVOE5SBOTGFS1SJDJOH ð 1FOHFNCBOHBOVOE5SBOTGFS1SJDJOH TEKNOLOGI INFORMASI 297 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No Program Kerja Type of Development Work Program Inhouse External 1FOHFNCBOHBOQMJLBTJ-PTTWFOUBUBCBTF - ð 1FOHFNCBOHBOQMJLBTJ-PTTWFOUBUBCBTF - 3FWJFXEBOOIBODFNFOU401485JWJTJ5 ð 3FWJFXEBOOIBODFNFOU401485JWJTJ5 1FOHFNCBOHBO4JTUFN ð 1FOHFNCBOHBO4JTUFN 1FOHFNCBOHBO4JTUFNOGPSNBTJSFEJUBSE ð 1FOHFNCBOHBO4JTUFNOGPSNBTJSFEJUBSE OIBODFNFOU6.6TFS.BOBHFNFOU ð OIBODFNFOU6.6TFS.BOBHFNFOU OIBODFNFOU4.130 ð OIBODFNFOU4.130 OIBODFNFOUQMJLBTJ51MVT ð OIBODFNFOUQMJLBTJ51MVT OIBODFNFOUQMJLBTJ8FBMUI.BOBHFNFOU ð OIBODFNFOUQMJLBTJ8FBMUI.BOBHFNFOU OIBODFNFOU8FCTDPSJOH,13 ð OIBODFNFOU8FCTDPSJOH,13 OIBODFNFOUQMJLBTJ1FUJLIBEJBI6OEJBOCKC ð OIBODFNFOUQMJLBTJ1FUJLIBEJBI6OEJBOCKC 1FNFMJIBSBBOQMJLBTJ46 ð 1FNFMJIBSBBOQMJLBTJ46 1FOHFNCBOHBO4JTUFN354EBO4FO ð 1FOHFNCBOHBO4JTUFN354EBO4FO OIBODFNFOUQMJLBTJ519 55,054 ð OIBODFNFOUQMJLBTJ519 55,054 77 SFEJU-JOF ð SFEJU-JOF ,13+BNTPTUFL1FSIJUVOHBOOVJUBT5BIVOBO ð ,13+BNTPTUFL1FSIJUVOHBOOVJUBT5BIVOBO 1FOHFNCBOHBOQMJLBTJFDBSFNBOBHFNFOU VOUVLNFOEVLVOH0QFSBTJPOBMSVQIBOFM .BOBHFNFOU ð 1FOHFNCBOHBOQMJLBTJFDBSFNBOBHFNFOU VOUVLNFOEVLVOH0QFSBTJPOBMSVQIBOFM .BOBHFNFOU OIBODFNFOUCKCDBGF F2VFTUJPOFS ð OIBODFNFOUCKCDBGF F2VFTUJPOFS OIBODFNFOUCKCDBGF FPLVNFO ð OIBODFNFOUCKCDBGF FPLVNFO OIBODFNFOUCKCDBGF 4BMFT,5 ð ð OIBODFNFOUCKCDBGF 4BMFT,5 NQMFNFOUBTJ4NBSU.- NQMFNFOUBTJ4NBSU.- ð 1FNFMJIBSBBOOUFSGBDF354FO ð 1FNFMJIBSBBOOUFSGBDF354FO 1FNFMJIBSBBOQMJLBTJ1-, ð 1FNFMJIBSBBOQMJLBTJ1-, 1FNFMJIBSBBOQMJLBTJ8FBMUI.BOBHFNFOU BODBTVSBODF 6OJU3FHJTUSZEBOJO1MBO ð 1FNFMJIBSBBOQMJLBTJ8FBMUI.BOBHFNFOU BODBTVSBODF 6OJU3FHJTUSZEBOJO1MBO 1FNFMJIBSBBOQMJLBTJ4PGUXBSF5SBEF ð 1FNFMJIBSBBOQMJLBTJ4PGUXBSF5SBEF 1FNFMJIBSBBOOUFSGBDF014 ð 1FNFMJIBSBBOOUFSGBDF014 1FNFMJIBSBBOQMJLBTJ51 ð 1FNFMJIBSBBOQMJLBTJ51 1FNFMJIBSBBO4XJGU7FOTZT ð 1FNFMJIBSBBO4XJGU7FOTZT 1FNFMJIBSBBO45SBOTHBUFXBZ ð 1FNFMJIBSBBO45SBOTHBUFXBZ 1FNFMJIBSBBOQMJLBTJ519 ð 1FNFMJIBSBBOQMJLBTJ519 1FNFMJIBSBBOQMJLBTJ,,0 ð 1FNFMJIBSBBOQMJLBTJ,,0 1FOHFNCBOHBO4JTUFN51MVT JWJTJOUFSOBTJPOBM ð 1FOHFNCBOHBO4JTUFN51MVT JWJTJOUFSOBTJPOBM 1FOHFNCBOHBOEBONQFMFNFOUBTJQMJLBTJ-04 JWJTJ.JLSP ð 1FOHFNCBOHBOEBONQFMFNFOUBTJQMJLBTJ-04 JWJTJ.JLSP 1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN JWJTJ,13EBO.PSUHBHF ð 1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN JWJTJ,13EBO.PSUHBHF 1FOHBEBBO4PGUXBSF0UPNBTJPTUSP JWJTJ 5SFBTVSZ ð 1FOHBEBBO4PGUXBSF0UPNBTJPTUSP JWJTJ 5SFBTVSZ OIBODFNFOU6QHSBEF014 JBZBOTUBMBTJEBO NQMFNFOUBTJ JWJTJ5SFBTVSZ ð OIBODFNFOU6QHSBEF014 JBZBOTUBMBTJEBO NQMFNFOUBTJ JWJTJ5SFBTVSZ INFORMATION TECHNOLOGY 298 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO No Program Kerja Type of Development Work Program Inhouse External 1FOHBEBBOQMJLBTJ1FOHFMPMBBO3JTJLP JWJTJ33 ð 1FOHBEBBOQMJLBTJ1FOHFMPMBBO3JTJLP JWJTJ33 1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS JWJTJ ,FVBOHBOEBOLVOUBOTJ ð 1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS JWJTJ ,FVBOHBOEBOLVOUBOTJ 6QHSBEF4PGUXBSF93-TFOUBSMJTBTJQFMBQPSBO ,FQBEBBOLOEPOFTJB JWJTJ,FVBOHBOEBO LVOUBOTJ 6QHSBEF4PGUXBSF93-TFOUBSMJTBTJQFMBQPSBO ,FQBEBBOLOEPOFTJB JWJTJ,FVBOHBOEBO LVOUBOTJ 1FOHBEBBOBQMJLBTJQJQFMJOF JWJTJ,PSQPSBTJEBO ,PNFSTJBM ð 1FOHBEBBOBQMJLBTJQJQFMJOF JWJTJ,PSQPSBTJEBO ,PNFSTJBM 1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO LPNFSTJBM JWJTJ,PSQPSBTJEBO,PNFSTJBM ð 1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO LPNFSTJBM JWJTJ,PSQPSBTJEBO,PNFSTJBM 1FNCBZBSBOSFOFXBMTBT JWJTJ.BOBKFNFO3JTJLP ð 1FNCBZBSBOSFOFXBMTBT JWJTJ.BOBKFNFO3JTJLP 1FOHFNCBOHBOBQMJLBTJ4.35 JWJTJ.BOBKFNFO 3JTJLP ð 1FOHFNCBOHBOBQMJLBTJ4.35 JWJTJ.BOBKFNFO 3JTJLP 1FOHFNCBOHBOBQMJLBTJ5,EBO1 JWJTJ .BOBKFNFO3JTJLP ð 1FOHFNCBOHBOBQMJLBTJ5,EBO1 JWJTJ .BOBKFNFO3JTJLP -JTFOTJ0143JTL1MVT JWJTJ.BOBKFNFO3JTJLP ð -JTFOTJ0143JTL1MVT JWJTJ.BOBKFNFO3JTJLP 1FNCFMJBOQMJLBTJ1FMBQPSBO4 1FOFNQBUBO JWJTJ-BZBOBOEBO0QFSBTJPOBM ð 1FNCFMJBOQMJLBTJ1FMBQPSBO4 1FOFNQBUBO JWJTJ-BZBOBOEBO0QFSBTJPOBM 1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH 5. JWJTJ-BZBOBOEBO0QFSBTJPOBM ð 1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH 5. JWJTJ-BZBOBOEBO0QFSBTJPOBM 1SPNFTIBOHFT ð 1SPNFTIBOHFT 8FCTDPSJOH.JLSP5JFS ð 8FCTDPSJOH.JLSP5JFS 4FSUJmLBTJ,BSUV FSTBNB 3JOUJT -50 ð 4FSUJmLBTJ,BSUV FSTBNB 3JOUJT -50 6QHSBEFQFSBOHLBUSFBEFS 5. ð 6QHSBEFQFSBOHLBUSFBEFS 5. 6QHSBEF ð 6QHSBEF 5.PO5VOBJ ð 5.PO5VOBJ .PCJMFBOLJOH ð .PCJMFBOLJOH 1FOHFNCBOHBOmUVS5. ð 1FOHFNCBOHBOmUVS5. 1FOHFNCBOHBOmUVS ð ð 1FOHFNCBOHBOmUVS 1FOHFNCBOHBOmUVSOUFSOFUBOLJOH ð ð 1FOHFNCBOHBOmUVSOUFSOFUBOLJOH 1FOHFNCBOHBOmUVS4.4BOLJOH 1FOHFNCBOHBOmUVS4.4BOLJOH 1FOHFNCBOHBOmUVS1IPOFBOLJOH ð ð 1FOHFNCBOHBOmUVS1IPOFBOLJOH 1FOHFNCBOHBO+BSJOHBO110 ð ð 1FOHFNCBOHBO+BSJOHBO110 1FOHFNCBOHBO1SFQBJEPOMJOF ð 1FOHFNCBOHBO1SFQBJEPOMJOF 1FOHFNCBOHBO4NBSUBSE ð 1FOHFNCBOHBO4NBSUBSE CKCBQVSB 5SBOTBDUJPOBUFXBZ ð CKCBQVSB 5SBOTBDUJPOBUFXBZ 1FOHFNCBOHBOmUVS5SBEF1PSUBM ð 1FOHFNCBOHBOmUVS5SBEF1PSUBM 1FOHFNCBOHBOmUVSBTI1PSUBM ð 1FOHFNCBOHBOmUVSBTI1PSUBM 1FOHFNCBOHBO4.4BUFXBZ ð 1FOHFNCBOHBO4.4BUFXBZ 1FOBNCBIBOJUVSFMFDUSPOJDBOLJOH ð 1FOBNCBIBOJUVSFMFDUSPOJDBOLJOH 1FOHFNCBOHBOQMJLBTJEFOHBO+4ZBSJBI ð 1FOHFNCBOHBOQMJLBTJEFOHBO+4ZBSJBI 1FOHFNCBOHBOEFOHBO13 ð 1FOHFNCBOHBOEFOHBO13 CKCBQVSB .1 ð CKCBQVSB .1 TEKNOLOGI INFORMASI 299 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data No Program Kerja Type of Development Work Program Inhouse External QMJLBTJEFOHBO1FNQSPW+BCBSEBO1FNQSPW BOUFO ð QMJLBTJEFOHBO1FNQSPW+BCBSEBO1FNQSPW BOUFO QMJLBTJEFOHBO115 ð ð QMJLBTJEFOHBO115 QMJLBTJEFOHBO1. ð QMJLBTJEFOHBO1. QMJLBTJEFOHBOOTUJUVTJ1FOEJEJLBO ð QMJLBTJEFOHBOOTUJUVTJ1FOEJEJLBO QMJLBTJEFOHBO346 ð ð QMJLBTJEFOHBO346 .FOHFNCBOHLBO-BZBOBOBTI.BOBHFNFOU 4ZTUFNFSCBTJT8FC OUFSOFUBOLJOHPSQPSBUF ð .FOHFNCBOHLBO-BZBOBOBTI.BOBHFNFOU 4ZTUFNFSCBTJT8FC OUFSOFUBOLJOHPSQPSBUF .FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL ð .FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL CKCBQVSB 5SBOTBDUJPO4XJUDIJOH ð CKCBQVSB 5SBOTBDUJPO4XJUDIJOH 1FOHFNCBOHBO8FC4FSWJDF JWJTJOTUJUVTJPOBM ð 1FOHFNCBOHBO8FC4FSWJDF JWJTJOTUJUVTJPOBM 1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS USBOTBLTJFDIBOOFMCBOL bjb 6OJUMFDUSPOJD BOLJOH ð ð 1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS USBOTBLTJFDIBOOFMCBOL bjb 6OJUMFDUSPOJD BOLJOH bjb BQVSB PUPGPDBUJPOFOUFS ð ð bjb BQVSB PUPGPDBUJPOFOUFS 1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB JNQMFNOFUBTJ 6OJUMFDUSPOJDCBOLJOH ð ð 1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB JNQMFNOFUBTJ 6OJUMFDUSPOJDCBOLJOH 1FOHBEBBO7FOEPSCBSVVOUVLNFNFOVIJ LFCVUVIBO.FTJOCBOL bjb 6OJUBSEFOUFS ð 1FOHBEBBO7FOEPSCBSVVOUVLNFNFOVIJ LFCVUVIBO.FTJOCBOL bjb 6OJUBSEFOUFS 7JSUVBMDDPVOU ð 7JSUVBMDDPVOU 6QEBUF.JOFSWB ,MJFO4411 ð 6QEBUF.JOFSWB ,MJFO4411 1FOHFNCBOHBO4JTUFNEVQBZ ð 1FOHFNCBOHBO4JTUFNEVQBZ 3FTUSVLUVSJTBTJ.FOV5. ð 3FTUSVLUVSJTBTJ.FOV5. VML6QMPBE5BY ð VML6QMPBE5BY CKCBQVSB 5SBOTBDUJPO3FNJUUBODF ð CKCBQVSB 5SBOTBDUJPO3FNJUUBODF .POJUPSJOHQMJLBTJ44113FUWJFX ð .POJUPSJOHQMJLBTJ44113FUWJFX OTUBMBTJ.FTJO4411 ð OTUBMBTJ.FTJO4411 1FSVCBIBO4LFNB5BOEBNBUBJTOJT4411 3FUDPNN ð 1FSVCBIBO4LFNB5BOEBNBUBJTOJT4411 3FUDPNN QMJLBTJPSNVLUJBZBS1BKBL ð QMJLBTJPSNVLUJBZBS1BKBL QMJLBTJBMMFOUFS ð QMJLBTJBMMFOUFS 4JTUFN1BKBL1 4JTUFN1BKBL1 1FNLBCJBNJT ð 1FNLBCJBNJT 1FNLBC5BTJLNBMBZB ð 1FNLBC5BTJLNBMBZB 1FNLPU4VLBCVNJ ð 1FNLPU4VLBCVNJ 1FNLPU4FSBOH ð 1FNLPU4FSBOH 1FNLBC4VCBOH ð 1FNLBC4VCBOH 1FNLBCOESBNBZV ð 1FNLBCOESBNBZV 1FNLBC4VNFEBOH ð 1FNLBC4VNFEBOH 1FNLPU5BOHFSBOH ð 1FNLPU5BOHFSBOH INFORMATION TECHNOLOGY 300 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO TEKNOLOGI INFORMASI No Program Kerja Type of Development Work Program Inhouse External 1FNLBC,VOJOHBO ð 1FNLBC,VOJOHBO 1FNLBCBSVU ð 1FNLBCBSVU 1FNLBC1VSXBLBSUB ð 1FNLBC1VSXBLBSUB 1FNLBC-FCBL ð 1FNLBC-FCBL 1FNLPUJMFHPO ð 1FNLPUJMFHPO 1FNLBCJSFCPO ð 1FNLBCJSFCPO 1FNLPU5BOHFSBOH4FMBUBO ð 1FNLPU5BOHFSBOH4FMBUBO 1FNLBC4FSBOH ð 1FNLBC4FSBOH 1FNLBC5BOHFSBOH ð 1FNLBC5BOHFSBOH 1FNLBC1BOHBOEBSBO ð 1FNLBC1BOHBOEBSBO 4JTUFNQIUC 4JTUFNQIUC 1FNLBC,VOJOHBO ð 1FNLBC,VOJOHBO 1FNLBC.BKBMFOHLB ð 1FNLBC.BKBMFOHLB 1FNLBCPHPSJCJOPOH ð 1FNLBCPHPSJCJOPOH 1FNLPU5BOHFSBOH4FMBUBOEVQBZ ð 1FNLPU5BOHFSBOH4FMBUBOEVQBZ 4UJFLVJUBT ð 4UJFLVJUBT 6OXJN ð 6OXJN 4JTUFN1BKBLBFSBIJY1BZNFOU 4JTUFN1BKBLBFSBIJY1BZNFOU ,PUBPHPS ð ,PUBPHPS ,BCVQBUFOPHPS ð ,BCVQBUFOPHPS 4JTUFN1EBN1BZNFOU 4JTUFN1EBN1BZNFOU ,PUBJSFCPO ð ,PUBJSFCPO Sumber Daya Manusia

1. Komposisi sumber daya manusia di bidang TI