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.
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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.
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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.
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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
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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
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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.
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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.
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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
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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
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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.
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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
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bjb 12. Menyukai perubahan yang positif
Liked positive change
Selalu bersifat terbuka terhadap perubahan yang muncul dan berpikiran positif positif thinking
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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
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14. Menjaga rahasia bank dan perusahaan
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Memahami dan melaksanakan semua ketentuan yang berkaitan dengan rahasia bank, rahasia perusahaan dan rahasia jabatan.
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254
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
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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
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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
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HUMAN RESOURCES
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bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
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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 QBSUJDJQBUFJOBTQFDJmDUSBJOJOHOPUIFSXPSET
UIFMFWFM
FWBMVBUJPO EPFT OPU POMZ NFBTVSF UIF DIBOHFT JO UIF CFIBWJPSPGUIFQBSUJDJQBOUBGUFSUIFUSBJOJOH
CVUBMTPUIF
FYUFOUIPXGBSUIFTFDIBOHFTDBOCFBQQMJFEJOUIFJSEBJMZ XPSLQSBDUJDFT5IJTFWBMVBUJPOJTOFDFTTBSZCFDBVTFUIF
DIBOHFTNBZPOMZCFFYQFSJFODFECZUIFUSBJOFFTJOUIF GPSNPGJODSFBTFELOPXMFEHF
JODSFBTFETLJMMT
PSDIBOHFT
JOCFIBWJPSJOQFSGPSNBODFUIBUJTJOGBDU
JUEPFTOPUIBWF B CJH JNQBDU XIFO JU JT JNQMFNFOUFE JO UIFJS XPSL
UIJT
JTEVFUPOPOUSBJOJOHGBDUPSTUIBUCFDPNFJOIJCJUPST
GPS FYBNQMF UIF MBDL PG TVQQPSU JO UIF PQFSBUJPOBM TZTUFN
OPOGBWPSBCMFXPSLJOHFOWJSPONFOU
BOETPPO
FWFOUIF CVTJOFTTQSPDFTTFTUIBUBSFOPUSVOOJOHQSPQFSMZ
SUMBER DAYA MANUSIA
259
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 EBOCJTBEJBNBUJPMFI
BUBTBOMBOHTVOHQBSBQFTFSUB 1FOHVLVSBOZBOHCJBTBEJMBLVLBOPMFIJWJTJ1FOEJEJLBO
1FMBUJIBOBEBMBIEFOHBONFOHJSJNLBOLVFTJPOFSMFNCBS PCTFSWBTJLFQBEBQBSBQFTFSUBTBBUQFOVUVQBOQFMBUJIBO
VOUVLEJTFSBILBOLFQBEBBUBTBOMBOHTVOHQBSBQFTFSUB QFMBUJIBO 4FMBOKVUOZB TFUFMBI TBUV CVMBO EBSJ XBLUV
QFMBUJIBO QBSB BUBTBO MBOHTVOH EBSJ QFTFSUB QFMBUJIBO NFMBLVLBOQFOHBNBUBOUFSIBEBQLJOFSKBQBSBQFTFSUBOZB
ZBOHEJUJOEBLMBOKVUJEFOHBONFMBLVLBOQFOJMBJBOUFSIBEBQ LJOFSKBQBSBQFTFSUBTFUFMBIQFMBUJIBO1FOFOUVBOXBLUV
QFOHVLVSBO TBUV CVMBO TFKBL QFMBUJIBO CFSMBOHTVOH EJMBLVLBO VOUVL NFNCFSJLBO LFTFNQBUBO UFSMFCJI
EBIVMVQBSBQFTFSUBEBMBNNFOHBQMJLBTJLBONBUFSJZBOH EJEBQBULBO QBEB TBBU QFMBUJIBO EBMBN QFLFSKBBOOZB
TFIBSJIBSJ
TFIJOHHBQFOHVLVSBOLJOFSKBQBTDBQFMBUJIBO CJTBEJMBLVLBO
BNVOTFKBVIJOJJWJTJ1FOEJEJLBOEBO1FMBUJIBONBTJI NFOFNVJLFOEBMBEBMBNQFOHVLVSBOMFWFMJOJ
ZBJUVEBSJ
-FNCBS WBMVBTJ ZBOH EJLJSJNLBO LFQBEB QBSB QFTFSUB EBOBUBTBOOZBIBOZBTBKBZBOHEJLFNCBMJLBO
LFQBEB JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO
TFIJOHHB QFOHVLVSBOIBOZBZBOHEJMBLVLBOBEBMBIEBMBNCFOUVL
TBNQMJOH EBO UJEBL EBQBU NFOHVLVS QFOJOHLBUBO LPNQFUFOTJTFMVSVIQFTFSUBQFMBUJIBO
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 NFSVQBLBOTFTVBUVZBOHTBOHBUTVMJUVOUVLEJLVBOUJmTJS
NJTBMOZB QFOJOHLBUBO LVBMJUBT LFSKB
QSPEVLUJWJUBT ZBOH 5IF EVDBUJPO BOE 5SBJOJOH JWJTJPO IBT DPOEVDUFE
FWBMVBUJPOTBUUIJTMFWFMGPSUSBJOJOHUIBUBSFXPSLUFDIOJDBM TVQQPSUJOOBUVSF5IFTFMFDUJPOPGUIJTUZQFPGUSBJOJOHJT
NPUJWBUFECZUIFUSBJOJOHTMFWFMPGJNQPSUBODFJOJNQSPWJOH FNQMPZFFTDPNQFUFODFJOEBJMZXPSLXIFSFFNQMPZFFT
DBOEJSFDUMZBQQMZUIFUSBJOJOHNBUFSJBMTJOUIFJSEBJMZXPSL OBEEJUJPO
UIFEFDJTJPOPGUFDIOJDBMUSBJOJOHUZQFJTBMTP
DBVTFECZUIFXPSLCFIBWJPSPOUIFJNQSPWFEDPNQFUFODF UISPVHI UIJT UZQF PG USBJOJOH JT B XPSL CFIBWJPS UIBU JT
PWFSBOEDBOCFPCTFSWFECZUIFEJSFDUTVQFSWJTPSPGUIF QBSUJDJQBOUT
5IFFWBMVBUJPOUIBUJTVTVBMMZQFSGPSNFECZUIFEVDBUJPO BOE 5SBJOJOH JWJTJPO JT CZ TFOEJOH PCTFSWBUJPO TIFFU
RVFTUJPOOBJSFT UP UIF QBSUJDJQBOUT BU UIF DMPTJOH PG UIF USBJOJOH UP CF TVCNJUUFE UP UIF JNNFEJBUF TVQFSWJTPS PG
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d. Evaluation of Training Level 4: Business Impact
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HUMAN RESOURCES
260
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
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BEBMBI TFCBOZBL KFOJT 1FOEJEJLBO EBO 1FMBUJIBO ZBOH EJJLVUJPMFIQFTFSUB
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No. Diklat Grade 1
DDPVOU0GmDFS,POTVNFS DDPVOU0GmDFS.JLSP
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No. Diklat Grade 1
TQFLVLVN,FQBJMJUBO TTFU-JBCJMJUJFT.BOBHFNFOU -.
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SUMBER DAYA MANUSIA
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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
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BTI.BOBHFNFOU BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU
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PNQSFIFOTJWFPSSFTQPOEFOUBOLJOH PNQSFIFOTJWFSFEJUOBMZTJTFSCBTJT3JTJLP
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PPSEJOBUJPOBOE5FBNXPSL5FMMFS PSQPSBUFVMUVSF
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No. Diklat Grade 1
1405FLOJL.FNFOBOHLBO5FOEFS1FOHBEBBOBSBOH+BTB 34
VLVN,FQBJMJUBO VLVN,FUFOBHBLFSKBBOVCVOHBOOEVTUSJBM
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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 4FSUJmLBTJ1FOHBEBBOBSBOHBO+BTB
4FSWJDF4FMMJOH4LJMM 4FSWJDFYDFMMFODF4UBOEBS-BZBOBO4
4FSWJDFYDFMMFODF4UBOEBS-BZBOBO5FMMFS 4,
4,
BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB 4NBSUOEZQOPTFMMJOH
4018SJUJOHNQSPWFNFOU 4PTJBMJTBTJNQMFNFOUBTJ4JTUFN,MJSJOHBTJPOBMBOLOEPOFTJB
4UBOEBSE0QFSBUJOH1SPDFEVSF 4USBUFHJ.FOJOHLBULBOVOEJOHFOHBO.FUPEF1FOJOHLBUBOBOB.VSBI
4USBUFHJ1FOBHJIBO1JVUBOH.BDFU 4USBUFHJ1FOZFMBNBUBO1-4FSUB3FTUSVLUVSJTBTJ,SFEJU1FSCBOLBO
4XBTUB
6. 4USBUFHZ.FNCBOHVO401,1FSCBTJT4
5BY1MBOJOH 5FLOJLBO.FUPEF1FOZVTVOBO140
5FLOJLGFLUJG1FOHBNBOBOBTBCBI1FSCBOLBO5FSIBEBQZCFSSJNF 5FLOJL.FSBODBOHPLVNFOSFEJU1FSCBOLBO
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5IF3JHIU8BZ0GPJOH1PXFSGVM.BSLFUJOH3FTFBSDI 5JNF.BOBHFNFOU
5PU4BMFTNBOTIJQPS4FSWJDF1FPQMF TQFLVLVN4JOEJLBTJ1SPZFL+BMBO5PM
5SBOTBLTJ0CMJHBTJOUBSB5SBEJOHBOOWFTUBTJ 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU
6KJLVSBTJBMBN.FOHIJUVOH
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BO.FOHFWBMVBTJSSCC 6KJBO4FSUJmLBTJ1FOHBEBBOBSBOHBO+BTB
6KJBO4UBOEBS1SPGFTJBQFO 6KJBO8BQFSE
6OEFSTUBOEJOH5IFFX-JRVJEJUZ3FRVJSFNFOUOBTFM
III
5IF-JRVJEJUZ PWFSBHF3BUJP -3
OEFU4UBCMFVOEJOH3BUJP 43
7JTVBM1SPHSBNNJOHVOEBNFOUBM 8BQFSE
8FBMUI.BOBHFNFOUOEJOBODJBM1MBOOJOH 8FCFWFMPQNFOU6TJOH5.-44OE+BWBTDSJQU
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ENJOJTUSBTJOBMJT,SFEJU OBMJTB-BQPSBO,FVBOHBO
OBMZTJTNQMFNFOUBUJPO8JUIYDFMPS3PO3 JNUFL1FSQFTP5I+PQFSQSFTP5I5FOUBOH
1FOHBEBBOBSBOH+BTB1FNFSJOUBI POE.BSLFUOTUSVNFOU
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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
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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 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
4FSWJDFYDFMMFOU4UBOEBS-BZBOBOBHJ1FNJNQJO,1 4FSWJDF-FBEFSTIJQ
4, 4LOCJ
IOBO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB
4UBOEBSE0QFSBUJOH1SPDFEVSF 4USFTT.BOBHFNFOU
4USFTT5FTUJOH0OBOLJOH3JTLYQPTVSF 5BY4VNNJU
5FLOJLGFLUJG1FOHBNBOBOBTBCBI1FSCBOLBO5FSIBEBQZCFSSJNF 5FLOJL1SPUPLPMFS4FCBHBJVOHTJ1VCMJD3FMBUJPO
5FNVBO1FSNBTBMBIBO1TBL
BO1TBL 5IFOEOEPOFTJB.BSLFUFFSTFTUJWBM
5IF1SPQIFUJD8JTEPN4FSJVI4BOH7JTJPOFS 5IF3JHIU8BZ0GPJOH1PXFSGVM.BSLFUJOH3FTFBSDI
5JNF.BOBHFNFOU 5JNF.BOBHFNFOU
5PU4BMFTNBOTIJQPS4FSWJDF1FPQMF 5PU1SPHSBN15,
5SBJOGPS5SBJOFS 505 5SBJOJOHTQFLVLVN4JOEJLBTJ1SPZFL+BMBO5PM
5SBJOJOHNQIBUJD1SFTFOUJOH4IBSQFOFS 5SBJOJOHOGPSNBUJPO5FDIOPMPHZVEJUJOH
5SBJOJOH
IT
1SPKFDU.BOBHFNFOUBTFE0O1.0, 5SBJOJOH,VQBT5VOUBT1QIBEBOBO,PSFLTJJTLBM
5SBJOJOHFFEOBMZTJT 5SBJOJOH1TJLPMPHJBO5FLOJL,PNVOJLBTJVEJU
5SBJOJOH4PQ 5SFBTVSZOUFSBDUJWF1SJDJOHOE5SFBTVSZ1SPEVDU
5SFBTVSZ.BOBHFNFOU 6KJLVSBTJBMBN.FOHIJUVOH
.FOJMBJ
BO.FOHFWBMVBTJ33
6KJBO4FSUJmLBTJ 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
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BO0KL 4FNJOBS1FSFLPOPNJBO.JEEMFODPNF5SBQ
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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
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34
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2013 2014
Grading Level 4784
304 774
405 502
HR Services Support Unit
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HUMAN RESOURCES
278
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
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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
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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
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5PUBMPGNQMPZFFTCBTFEPOEVDBUJPO-FWFM
Jenjang Pendidikan 2010
2011 2012
2013 2014
Educational Level
4 2
PDUPSBM 1BTDB4BSKBOB4
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4BSKBOBEBO4FEFSBKBU 5.341
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1.376 JQMPNB
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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
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5PUBMPGNQMPZFFTCBTFEPO4UBUVT-FWFM
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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
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72,58
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Jumlah Karyawan Berdasarkan Level Jabatan
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Jumlah Karyawan Berdasarkan
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78,25
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Jumlah Karyawan Berdasarkan Status
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HUMAN RESOURCES
280
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
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Biaya Pengembangan Kompetensi Karyawan selama tahun 2014
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Total Rp Description
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Rencana dan Strategi Pendidikan dan Pelatihan dalam mengembangkan SDM bank bjb
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SUMBER DAYA MANUSIA
281
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
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BTQFDUPGUIF5SBJOJOH1SPHSBNDBEFNZ FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNTUIBUTVQQPSU
UIF BOLT CVTJOFTT BDUJWJUJFT
JO B TUSVDUVSFE BOE DPOUJOVPVT NBOOFS
JO BDDPSEBODF XJUI UIF 5SBJOJOH
1SPHSBNDBEFNZ FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNTUIBUTVQQPSU
UIFBOLTNBOBHFSJBMBOEMFBEFSTIJQDPNQFUFODF
JOB TUSVDUVSFEBOEDPOUJOVPVTNBOOFS
JOBDDPSEBODFXJUIUIF
5SBJOJOH1SPHSBNDBEFNZ
HUMAN RESOURCES
282
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOHLPNQFUFOTJDBMPOQFHBXBJCBSVCBOL
bjb.
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH NFOEVLVOHLPNQFUFOTJTVQQPSUJOHQFHBXBJEJCJEBOH5
.FOHVTVMLBO QFOEJEJLBO EBO QFMBUJIBO ZBOH UJEBL UFSEBQBUEBMBN
Training Program Academy .FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO VOUVL
supporting-Control .FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO VOUVL
QFOHFNCBOHBONFOUBMEBO3PIBOJQFHBXBJ
Biaya yang Dikeluarkan
JBZB ZBOH UFMBI EJLFMVBSLBO PMFI CBOL
bjb
UFSLBJU EFOHBO QFOHFMPMBBO 4. IJOHHB BLIJS UBIVO BEBMBI TFCFTBS
3Q
USJMJVO
EFOHBOSJODJBOTFCBHBJCFSJLVU
Jenis Biaya Tenaga Kerja Nominal
JutaMillion Type of Employee Expenses
BKJEBO6QBI 4BMBSJFTBOE8BHFT
Total 1.320.129
Total
Penghasilan Berdasarkan Jabatan
1SPHSBN LFTFKBIUFSBBO CBHJ LBSZBXBO UFSVT EJUJOHLBULBO TFJSJOH EFOHBO QFSUVNCVIBO ZBOH EJDBQBJ PMFI CBOL
1FOFUBQBOOZB EJMBLVLBO CFSEBTBSLBO BOBMJTB UFSIBEBQ JOEVTUSJ EBO EJTFTVBJLBO EFOHBO UJOHLBU LFNBNQVBO
1FSTFSPBO
4JTUFN LPNQFOTBTJ EBO CFOFmU
TFCBHBJ JNQMFNFOUBTJ EBMBN SBOHLB NFOEVLVOH UVKVBO TUSBUFHJT CBOL
bjb
TFDBSB LFTFMVSVIBO
EJSBODBOH BHBS CFSTJGBU BUSBLUJG EBO LPNQFUJUJG
TFIJOHHBEBQBUNFOJOHLBULBONPUJWBTJLFSKB1FHBXBJEFOHBO UVKVBO NFODJQUBLBO
employee engagement ZBOH CFSNVBSB
QBEBQFODBQBJBOUVKVBOTUSBUFHJTCBOL
Reward Punishment
Reward EJCFSJLBOTFCBHBJCFOUVLQFOHIBSHBBOQFSVTBIBBO
LFQBEB QFHBXBJ BUBT EFEJLBTJ ZBOH EJCFSJLBO LFQBEB QFSVTBIBBO 4JTUFN
reward EJTVTVO BHBS EBQBU NFNPUJWBTJ
QFHBXBJBHBSCFSLJOFSKBMFCJICBJLMBHJLFEFQBOOZB Reward
ZBOHEJCFSJLBOQFSVTBIBBOBOUBSBMBJO 1FOHIBSHBBO.BTB,FSKB
ZBOHEJQFSVOUVLLBOUFSIBEBQ
1FHBXBJ ZBOH UFMBI NFNJMJLJ NBTB LFSKB UBIVO EBO UBIVO TFSUB NFNFOVIJ LSJUFSJB UFSUFOUV ZBOH UFMBI
EJUFUBQLBO EJCFSJLBO reward
UFSTFCVU
IBM JOJ TFCBHBJ BQSFTJBTJ EBSJ QFSVTBIBBO LFQBEB QFHBXBJ BUBT
QFOHBCEJBOOZBEFEJLBTJ ZBOH EJCFSJLBO TFMBNB XBLUV UFSUFOUV
FTJHOJOHEVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU UIFDPNQFUFODFPGUIFCBOL
bjb
TOFXSFDSVJU FTJHOJOHEVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU
UIFTVQQPSUJOHDPNQFUFODFPGUIF5QFSTPOOFM 1SPQPTJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNOPUJODMVEFEJO
UIF5SBJOJOH1SPHSBNDBEFNZ FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSTVQQPSUJOH
oPOUSPM FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSFNQMPZFFT
NFOUBMBOETQJSJUVBMEFWFMPQNFOU
Costs Incurred
PTUTJODVSSFECZCBOL
bjb
SFMBUFEUP3NBOBHFNFOUVOUJM UIF FOE PG SFBDIFE 3Q USJMMJPO
XJUI UIF GPMMPXJOH
EFUBJMT
Position Based Income
NQMPZFF XFMGBSF QSPHSBNT DPOUJOVFE UP CF JODSFBTFE BMPOHXJUIUIFHSPXUIBDIJFWFECZUIFBOLUTEFUFSNJOBUJPO
JT CBTFE PO UIF JOEVTUSJBM BOBMZTJT BOE BEKVTUFE UP UIF PNQBOZTDBQBCJMJUZ
5IFDPNQFOTBUJPOBOECFOFmUTTZTUFN
BTUIFJNQMFNFOUBUJPO JOPSEFSUPTVQQPSUUIFCBOL
bjb
TPWFSBMMTUSBUFHJDPCKFDUJWFT JTEFTJHOFEUPCFCPUIBUUSBDUJWFBOEDPNQFUJUJWFJOPSEFSUP
JODSFBTFFNQMPZFFNPUJWBUJPOUPXPSLXJUIUIFBJNPGDSFBUJOH FNQMPZFFFOHBHFNFOUXIJDIMFBETUPUIFBDIJFWFNFOUPGUIF
CBOLTTUSBUFHJDPCKFDUJWFT
Reward Punishment
3FXBSEJTHJWFOBTBUPLFOPGBQQSFDJBUJPOGPSUIFEFEJDBUJPO PG UIF FNQMPZFF UP UIF PNQBOZ 5IF SFXBSE TZTUFN JT
FTUBCMJTIFEJOPSEFSUPNPUJWBUFFNQMPZFFTUPQFSGPSNCFUUFS JOUIFGVUVSF
3FXBSEHJWFOCZUIFDPNQBOZJODMVEFT 8PSL5FOVSFXBSE
XIJDIJTBQQMJFEUPFNQMPZFFTXJUI
XPSLQFSJPEPGZFBSTBOEZFBSTBOENFFUDFSUBJO DSJUFSJB UIBU IBWF CFFO FTUBCMJTIFE 5IJT SFXBSE JT UIF
BQQSFDJBUJPO PG UIF PNQBOZ UP UIF FNQMPZFF GPS IJT TFSWJDFEFEJDBUJPOPWFSBDFSUBJOUJNF
SUMBER DAYA MANUSIA
283
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
+BTB 1SPEVLTJ EJCFSJLBO BUBT LJOFSKB QFHBXBJ TFMBNB TBUV
UBIVOQFOVIBUBTMBCBQFSVTBIBBOTFMBNBUBIVO
OEFLT 1SFTUBTJ ,JOFSKB QFHBXBJ ZBOH EJCFSJLBO UJHB LBMJ EBMBN TFUBIVO CFSEBTBSLBO MBCB ZBOH EJQFSPMFI
QFSVTBIBBOQBEBUSJXVMBOUFSUFOUV Punishment
EJCFSJLBO LFQBEB QBSB QFHBXBJ ZBOH UFMBI NFMBLVLBO
fraud LFMBMBJBO
EBO QFOZJNQBOHBO BUVSBO
1FSCVBUBOZBOHTFDBSBVNVNEJLFOBLBO4BOLTJENJOJTUSBUJG BEBMBIQFSCVBUBOQFSCVBUBOTFCBHBJCFSJLVU
FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLVLBO QFSCVBUBO ZBOH CFSUFOUBOHBO EFOHBO 1FSBUVSBO EBO
LFUFOUVBOQFSVOEBOHVOEBOHBO FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFOJOHHBMLBO
UVHBTBUBVLFXBKJCBOBUBVUJEBLNFMBLVLBOQFSJOUBIEJOBT KBCBUBOZBOHEJCFSJLBOLFQBEB1FHBXBJ
FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLTBOBLBO UVHBTBUBVLFXBKJCBOUBOQBLFKVKVSBO
LFTVOHHVIBOIBUJ
UFMJUJBUBVUFSUJC FOHBO TFOHBKB BUBV LBSFOB LFMBMBJBO NFMBLTBOBLBO
UVHBT BUBV LFXBKJCBO UBOQB NFNQFSIBUJLBO QSJOTJQ QSJOTJQ
Good Corporate Governance LFIBUJIBUJBO
NJUJHBTJSJTJLPEBOLFXBKBSBO BOUBSBMBJOUFSLBJUMJNJU
OJMBJ EBOBUBVXBLUV
EBMBNQSPTFTPQFSBTJPOBM
4FEBOHLBO QFSCVBUBO QFHBXBJ ZBOH EJLFOBLBO UVOUVUBO HBOUJLFSVHJBOBEBMBIQFSCVBUBOQFSCVBUBOTFCBHBJCFSJLVU
1FSCVBUBO 1FHBXBJ ZBOH NFOHBLJCBULBO LFSVHJBO 1FSTFSPBO
1FHBXBJ CFSUBOHHVOH KBXBC BUBT LFSVHJBO 1FSTFSPBO ZBOH EJTFCBCLBO LBSFOB QFSCVBUBOOZB TFCBHBJNBOB
EJNBLTVE FSEBTBSLBO4VSBU,FQVUVTBOJSFLTJ15BOL1FNCBOHVOBO
BFSBI +BXB BSBU EBO BOUFO
5CL
P 4,3 4.UBOHHBM0LUPCFSUFOUBOH1FEPNBO4BOLTJ
,FQFHBXBJBOCBIXBUJOHLBUEBOKFOJTTBOLTJBEBMBITFCBHBJ CFSJLVU
5JOHLBU4BOLTJENJOJTUSBUJG3JOHBO
KFOJTOZBUFSEJSJEBSJ
B 1FSJOHBUBO C 1FSJOHBUBO
D 1FSJOHBUBOEBO E 1FSOZBUBBOUJEBLQVBT
5JOHLBU4BOLTJENJOJTUSBUJG4FEBOH
KFOJTOZBUFSEJSJEBSJ B 1FOVOEBBOLFOBJLBOHBKJCFSLBMBVOUVLQBMJOHMBNB
TBUV
UBIVO 1SPEVDUJPO.FSJUHJWFOUPPOFNQMPZFFTVQPOUIFJSZFBS
QFSGPSNBODFPWFSUIFPNQBOZTQSPmUXJUIJOZFBS NQMPZFFT1FSGPSNBODFDIJFWFNFOUOEFYHJWFOUISFF
UJNFTBZFBSCBTFEPOQSPmUTPCUBJOFECZUIFPNQBOZ JOBQBSUJDVMBSRVBSUFS
1VOJTINFOUJTHJWFOUPFNQMPZFFTXIPIBWFDPOEVDUFEGSBVE OFHMJHFODF
BOE WJPMBUJPOT UPXBSET UIF BQQMJDBCMF SVMFT
DUJPOTHFOFSBMMZJNQPTFEUPENJOJTUSBUJWF4BODUJPOTBSFBT GPMMPXT
OUFOUJPOBMMZ PS OFHMJHFOUMZ DPNNJUT BDUT DPOUSBSZ UP UIF
SVMFTBOESFHVMBUJPOT OUFOUJPOBMMZ PS OFHMJHFOUMZ MFBWF EVUJFT PS PCMJHBUJPOT PS
EP OPU QSBDUJDF PGmDF QPTJUJPO NBOEBUFT HJWFO UP UIF FNQMPZFF
OUFOUJPOBMMZPSOFHMJHFOUMZDBSSJFTPVUEVUJFTPSPCMJHBUJPOT XJUIPVUIPOFTUZ
TJODFSJUZ
DPOTDJFOUJPVTPSPSEFSMZ
OUFOUJPOBMMZPSOFHMJHFOUMZDBSSJFTPVUEVUJFTPSPCMJHBUJPOT XJUIPVU SFHBSE UP UIF QSJODJQMFT PG PPE PSQPSBUF
PWFSOBODF
QSVEFODF
SJTLNJUJHBUJPOBOEGBJSOFTT BNPOH PUIFST SFMBUFE UP MJNJU
WBMVF BOEPS UJNF
JO UIF
PQFSBUJPOBMQSPDFTT
.FBOXIJMFUIFBDUTPGBOFNQMPZFFTVCKFDUFEUPUIFDMBJNGPS EBNBHFTBSFBTGPMMPXT
1FSTPOOFMBDUJPOTSFTVMUJOHJOMPTTFTGPSUIFPNQBOZ NQMPZFFTBSFSFTQPOTJCMFGPSCBOL
bjb
TMPTTFTTDBVTFE CZUIFJSBDUJPOTBTSFGFSSFEUP
BTFE PO UIF FDSFF PG UIF PBSE PG JSFDUPST PG 15 BOL 1FNCBOHVOBOBFSBI+BXBBSBUEBOBOUFO5CLP
4,34. EBUFE 0DUPCFS PO UIF VJEFMJOFT GPSNQMPZNFOU4BODUJPOT
UIFMFWFMBOEUZQFPGQFOBMUJFTBSF
BTGPMMPXT -JHIUENJOJTUSBUJWF4BODUJPO
DPOTJTUJOHPG
B 8BSOJOH C 8BSOJOH
D 8BSOJOHBOE E 6OTBUJTmFE4UBUFNFOU
.FEJVNENJOJTUSBUJWF4BODUJPO
DPOTJTUJOHPG B FMBZPGQFSJPEJDTBMBSZJODSFBTFGPSBNBYJNVNPG
POF
ZFBS
HUMAN RESOURCES
284
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
C 1FOVOEBBO LFOBJLBO QBOHLBU grade
QBMJOH MBNB TBUV
UBIVOEBO
D 1FOVSVOBO HBKJ TFCFTBS TBUV
LBMJ LFOBJLBO HBKJ CFSLBMBVOUVLQBMJOHMBNB TBUV
UBIVO
5JOHLBU4BOLTJENJOJTUSBUJGFSBU
KFOJTOZBUFSEJSJEBSJ B 1FOVSVOBOQBOHLBU
grade QBEBQBOHLBU
grade ZBOH
TFUJOHLBUMFCJISFOEBI C 1FOVSVOBO+BCBUBO
D 1FNCFSIFOUJBOEFOHBOIPSNBUUJEBLBUBTQFSNJOUBBO TFOEJSJTFCBHBJQFHBXBJEBO
E 1FNCFSIFOUJBO UJEBL EFOHBO IPSNBU UJEBL BUBT QFSNJOUBBOTFOEJSJTFCBHBJQFHBXBJ
Penerapan Reward Punishment Serta Ketentuannya
1FOFSBQBO reward
punishment ZBOH CFSMBLV TBBU JOJ
BEBMBIEFOHBOQFOJMBJBOLJOFSKBQFHBXBJZBOHEJMBLTBOBLBO PMFI BOL QBEB TFUJBQ USJXVMBO TFMBNB UBIVO
Reward Punishment
JOJBLBOCFSQFOHBSVIUFSIBEBQJOTFOUJGZBOHBLBO EJUFSJNBPMFIQFHBXBJCFSTBOHLVUBOTFMBNBUBIVO
Penilaian Kinerja BSC dan KPI
4USBUFHJ ZBOH EJUFUBQLBO VOUVL QFODBQBJBO TBTBSBO QFSVTBIBBOIBSVTNFMBMVJTJTUFNNBOBKFNFOTUSBUFHJZBOH
CBJL
LBSFOBBLBONFOKBEJUPMPLVLVSEBSJQFSGPSNBLJOFSKB QFSVTBIBBO J EBMBN NFOFUBQLBO TUSBUFHJ
QFSVTBIBBO
IBSVT NFNQFSIBUJLBO TBTBSBO
objective ZBOH UFMBI
EJUFUBQLBO EBO IBSVT EBQBU UFSVLVS measurable
1BEB VNVNOZBCBHJBOZBOHTFMBMVEJVLVSBEBMBICBHJBOLFVBOHBO
LBSFOB CFSCJDBSB NFOHFOBJ BOHLB
TFTVBUV IBM ZBOH NVEBI VOUVL EJIJUVOH EBO EJBOBMJTB LBO UFUBQJ
EFOHBO
QFSLFNCBOHBO JMNV NBOBKFNFO EBO LFNBKVBO UFLOPMPHJ JOGPSNBTJ
TJTUFNQFOHVLVSBOLJOFSKBQFSVTBIBBOZBOHIBOZB
NFOHBOEBMLBOBTQFLQFSTQFLUJGLFVBOHBOEJSBTBLBOCBOZBL NFNJMJLJ LFMFNBIBO EBO LFUFSCBUBTBO 4FTVOHHVIOZB BEB
TFCVBIBTQFLQFSTQFLUJGZBOHUJEBLLBMBIQFOUJOHEBOEBQBU EJHVOBLBOEBMBNNFOHVLVSLJOFSKBQFSVTBIBBOZBJUVBTQFL
QFSTQFLUJGOPOLFVBOHBO,FOZBUBBOJOJMBIZBOHNFOKBEJBXBM UFSDJQUBOZBLPOTFQBMBODFE4DPSFDBSE 4
1FOHFMPMBBO LJOFSKB CFSCBTJT Balanced Scorecard
UFMBI TBNQBJUBIBQBONFOHBUVSNFOHFOBJQFOFUBQBOQFOHFMPMBBO
LJOFSKB
QFOZVTVOBO EBO QFSVCBIBO QFUB TUSBUFHJ Strategy
Map Key Performance Indicator
,1
EBO UBSHFU
TFSUB QFMBQPSBO QFODBQBJBO LJOFSKB USJXVMBOBO EBMBN UBIBQ
monitoring EBOFWBMVBTJLJOFSKB
C FMBZ PG MFWFM HSBEF QSPNPUJPO GPS B NBYJNVN PG POF
ZFBSBOE
D 5IFEFDSFBTFJOTBMBSZPG POF
UJNFPGUIFQFSJPEJD TBMBSZJODSFBTFGPSBNBYJNVNPG POF
ZFBS
FBWZENJOJTUSBUJWF4BODUJPO
DPOTJTUJOHPG B FHSBEBUJPOUPPOFMFWFMPGMPXFSHSBEFSBOL
C FHSBEBUJPOPG1PTJUJPO D POPSBCMF EJTDIBSHF BT FNQMPZFF OPU VQPO
FNQMPZFFTPXOSFRVFTUBOE E JTDIBSHF XJUIPVU IPOPS BT FNQMPZFF OPU VQPO
FNQMPZFFTPXOSFRVFTU
Implementation of Reward Punishment And Its Provisions
5IF DVSSFOU JNQMFNFOUBUJPO PG SFXBSE BOE QVOJTINFOU JO GPSDF JT UISPVHI FNQMPZFF QFSGPSNBODF BTTFTTNFOU XIJDI
JT DPOEVDUFE CZ UIF BOL PO B RVBSUFSMZ CBTJT EVSJOH UIF ZFBS3FXBSEBOEQVOJTINFOUXJMMBGGFDUUIFJODFOUJWFTUPCF
SFDFJWFECZUIFSFTQFDUJWFFNQMPZFFEVSJOHUIFZFBS
Performance Assessment BSC dan KPI
4USBUFHJFTTFUGPSUIFBDIJFWFNFOUPGDPSQPSBUFHPBMTTIPVME HP UISPVHI HPPE TUSBUFHZ NBOBHFNFOU TZTUFN CFDBVTF
TUSBUFHJFT CFDPNF UIF CFODINBSL PG UIF PNQBOZT QFSGPSNBODF O GPSNVMBUJOH TUSBUFHJFT
UIF PNQBOZ NVTU
QBZ BUUFOUJPO UP UIF QSFEFUFSNJOFE UBSHFUT PCKFDUJWFT
BOE TIPVME CF NFBTVSBCMF O HFOFSBM
UIF mOBODJBM BTQFDU IBT
BMXBZT CFDPNF UIF BTQFDU NFBTVSFE EVF UP JUT SFMBUJPOT XJUI OVNCFST
BO BTQFDU FBTZ UP DBMDVMBUF BOE BOBMZ[F
PXFWFS
XJUIUIFEFWFMPQNFOUPGLOPXMFEHFJONBOBHFNFOU BOE BEWBODFT JO JOGPSNBUJPO UFDIOPMPHZ
UIF PNQBOZT
QFSGPSNBODF NFBTVSFNFOU TZTUFN XIJDI SFMJFT TPMFMZ PO UIF mOBODJBM BTQFDU QFSTQFDUJWF JT QFSDFJWFE UP CF XFBL
BOE MJNJUFE 8IFSFBT JOGBDU UIFSF JT BO BTQFDU QFSTQFDUJWF XIJDIJTOPMFTTJNQPSUBOUBOEDBOCFVTFEJONFBTVSJOHUIF
QFSGPSNBODFPGUIFPNQBOZ
OBNFMZUIFOPOmOBODJBMBTQFDU QFSTQFDUJWF5IJTGBDUCFDBNFUIFCBTJTPGUIFDSFBUJPOPGUIF
BMBODFE4DPSFDBSE 4
DPODFQU
8JUIJO UIF BMBODFE 4DPSFDBSECBTFE QFSGPSNBODF NBOBHFNFOU
UIFPNQBOZIBTSFBDIFEUIFTUBHFTTFUUJOH
QFSGPSNBODF NBOBHFNFOU GPSNVMBUJPO BOE DIBOHFT PG 4USBUFHZ.BQ
,FZ1FSGPSNBODFOEJDBUPS ,1
BOEUBSHFUT
BTXFMMBTRVBSUFSMZQFSGPSNBODFBDIJFWFNFOUSFQPSUJOHJOUIF QFSGPSNBODFNPOJUPSJOHBOEFWBMVBUJPOQIBTF
SUMBER DAYA MANUSIA
285
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CBOL
bjb
NFOHHVOBLBOFNQBUTUBOEBSQFSTQFLUJG4ZBJUV mOBODJBM
DVTUPNFS
internal business process EBO
learning and growth
B 1FSTQFLUJG Financial
4 EJCBOHVO EBSJ TUVEJ QFOHVLVSBO LJOFSKB EJ TFLUPS CJTOJT
TFIJOHHB ZBOH EJNBLTVE QFSTQFLUJG mOBODJBM
EJ TJOJ BEBMBI UFSLBJU EFOHBO mOBODJBM TVTUBJOBCJMJUZ 1FSTQFLUJG JOJ EJHVOBLBO PMFI
shareholder EBMBN
SBOHLB NFMBLVLBO QFOJMBJBO LJOFSKB PSHBOJTBTJ QBCJMB EJOBSBTJLBO BLBO CFSCVOZJ wPSHBOJTBTJ IBSVT NFNFOVIJ
TFCBHBJNBOB IBSBQBO TIBSFIPMEFS BHBS EJOJMBJ CFSIBTJM PMFI
shareholder w
C 1FSTQFLUJG customer
1FSTQFLUJG customer
BEBMBI QFSTQFLUJG ZBOH CFSPSJFOUBTJ QBEB QFMBOHHBO LBSFOB NFSFLBMBI QFNBLBJ QSPEVL
KBTB ZBOH EJIBTJMLBO PSHBOJTBTJ FOHBO LBUB MBJO PSHBOJTBTJIBSVTNFNQFSIBUJLBOBQBZBOHEJJOHJOLBOPMFI
QFMBOHHBO
D 1FSTQFLUJGJOUFSOBM Business Process
1FSTQFLUJGJOUFSOBM business process
BEBMBITFSBOHLBJBO BLUJWJUBT ZBOH BEB EBMBN PSHBOJTBTJ VOUVL NFODJQUBLBO
QSPEVLKBTBEBMBNSBOHLBNFNFOVIJIBSBQBOQFMBOHHBO 1FSTQFLUJG JOJ NFOKFMBTLBO QSPTFT CJTOJT ZBOH EJLFMPMB
VOUVL NFNCFSJLBO MBZBOBO EBO OJMBJOJMBJ LFQBEB
stakeholder EBO
customer E 1FSTQFLUJG
Learning Growth
1FSTQFLUJG learning
growth BEBMBI QFSTQFLUJG ZBOH
NFOHHBNCBSLBOLFNBNQVBOPSHBOJTBTJVOUVLNFMBLVLBO QFSCBJLBOEBOQFSVCBIBOEFOHBONFNBOGBBULBOTVNCFS
EBZBJOUFSOBMPSHBOJTBTJ,FTJOBNCVOHBOTVBUVPSHBOJTBTJ EBMBNKBOHLBQBOKBOHTBOHBUCFSHBOUVOHQBEBQFSTQFLUJG
JOJ
1FMBLTBOBBO BUBV JNQMFNFOUBTJ TUSBUFHJ EJMBLVLBO EFOHBO DBSB NFOKBMBOLBO TUSBUFHJ JOJTJBUJG BUBV QSPHSBN LFSKB
PMFI NBTJOHNBTJOH VOJU LFSKB EBO EJCBUBTJ EFOHBO XBLUV QFMBLTBOBBOOZBTFMBNBQFSJPEFUFSUFOUV
HBS QFMBLTBOBBO TUSBUFHJ EBQBU UFSMBLTBOB EFOHBO CBJL NBLB TFUFMBI QFUB TUSBUFHJ EJTVTVO TFMBOKVUOZB QFSMV
EJUFUBQLBO
Key Performance Indicator ,1
VOUVLTFUJBQ40
Strategic Objective ,1 NFSVQBLBO TFQFSBOHLBU VLVSBO
QBSBNFUFS VUBNB CBJL mOBOTJBM NBVQVO OPO mOBOTJBM VOUVL NFOHVLVSLFCFSIBTJMBOQFODBQBJBOLJOFSKBEBOQFMBLTBOBBO
TUSBUFHJEBMBNNFODBQBJTBTBSBOEJTFMVSVIMJOJVOJULFSKB CBOL
bjb
VTFT GPVS 4 QFSTQFDUJWFT TUBOEBSET OBNFMZ mOBODJBM
DVTUPNFS
JOUFSOBMCVTJOFTTQSPDFTT
BOEMFBSOJOH
BOEHSPXUI B JOBODJBM1FSTQFDUJWF
4JTCVJMUGSPNBTUVEZPGQFSGPSNBODFNFBTVSFNFOUJO
UIF CVTJOFTT TFDUPS
UIVT UIF mOBODJBM QFSTQFDUJWF IFSF JT SFMBUFE UP mOBODJBM TVTUBJOBCJMJUZ 5IJT QFSTQFDUJWF JT
VTFECZTIBSFIPMEFSTJOPSEFSUPBTTFTTUIFQFSGPSNBODF PG UIF PSHBOJ[BUJPO G OBSSBUFE iUIF PSHBOJ[BUJPO NVTU
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UIF
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UIFFOUJSFXPSLJOHMJOFVOJUT
HUMAN RESOURCES
286
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
,1 NFSVQBLBO BMBU VLVS CBHJ QFODBQBJBO 40 Strategic
Objective ,1 EJCFEBLBO NFOKBEJ ,1
lagging EBO ,1
leading ,1
lagging BEBMBI,1ZBOHCFSTJGBU
outcomeoutput BUBVZBOHNFOHVLVSIBTJM
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Divisi SDM
Peran Jabatan Pemimpin Divisi SDM
t .FSBODBOH
NFMBLTBOBLBO EBO NFOHBXBTJ SFODBOB TUSBUFHJTQFMBLTBOBBOQFSUVNCVIBOEBOQFOHFNCBOHBO
4. VOUVL NFOEPSPOH LJOFSKB CJTOJT EJ TFMVSVI MJOJ PSHBOJTBTJ
t .FNJNQJO NBOBKFNFO
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manpower planning
ZBOHFGFLUJGEBOFmTJFO
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4.
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t .FOHFNCBOHLBO TUSBUFHJ
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human capital ZBOH
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human capital t .FOZVTVO QSPHSBN LFSKB EBO BOHHBSBO JWJTJ 4VNCFS
BZB.BOVTJB t .FOHFMPMB QFMBQPSBO UFSLBJU EFOHBO CJEBOH LFSKB JWJTJ
4VNCFSBZB.BOVTJB t .FMBLVLBOLPPSEJOBTJEFOHBOFXBO,PNJTBSJT
JSFLTJ
1FNJNQJO JWJTJVOJU LFSKB
1FNJNQJO 8JMBZBI EBO 1FNJNQJOBCBOH
t .FOKBEJ KVSV CJDBSB VUBNB CBHJ JWJTJ 4VNCFS BZB .BOVTJB
Tugas Dan Tanggung Jawab Utama Pemimpin Divisi SDM
t .FOHFNCBOHLBO EBO
NFOFSBQLBO TUSBUFHJ
QFOHFNCBOHBO4.VOUVLNFOEPSPOHLJOFSKBCJTOJT t .FOZVTVO TUSBUFHJ EBO LFCJKBLBO QFOHFMPMBBO 4. EJ
QFSVTBIBBO CFSEBTBSLBO TUSBUFHJ KBOHLB QFOEFL EBO KBOHLB QBOKBOH ZBOH UFMBI EJUFUBQLBO TFTVBJ EFOHBO
,1 JT B NFBTVSFNFOU UPPM GPS UIF BDIJFWFNFOU PG UIF 40 4USBUFHJD 0CKFDUJWF
,1 JT EJWJEFE JOUP ,1 MBHHJOH BOE
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VOEFSUIFDPOUSPMPGUIFPSHBOJ[BUJPOBMVOJU
HR Division
The Role of the Head of HR Division
t 1MBO
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t -FBE UIF DIBOHF NBOBHFNFOU
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BT XFMMBTPUIFSUSBOTGPSNBUJPOJOJUJBUJWFT
t NQSPWF CVTJOFTT QFSGPSNBODF UISPVHI FGGFDUJWF BOE FGmDJFOUNBOBHFNFOUPGNBOQPXFSQMBOOJOH
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BOEFUIJDTPGUIFFNQMPZFFT
t FWFMPQ TUSBUFHJFT
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VNBO3FTPVSDFTJWJTJPO t PPSEJOBUF XJUI UIF PBSE PG PNNJTTJPOFST
PBSE PG
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FBET PG JWJTJPOT8PSLJOH 6OJUT
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t FDPNF UIF MFBEJOH TQPLFTQFSTPO GPS UIF VNBO 3FTPVSDFTJWJTJPO
Main Duties and Responsibilities of the Head of the HR Division
t FWFMPQBOEJNQMFNFOUUIFIVNBOSFTPVSDFTEFWFMPQNFOU TUSBUFHJFTJOPSEFSUPJNQSPWFCVTJOFTTQFSGPSNBODF
t FWFMPQUIFTUSBUFHJFTBOEQPMJDJFTPGIVNBOSFTPVSDFT NBOBHFNFOUPGUIFDPNQBOZCBTFEPOUIFQSFEFUFSNJOFE
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SUMBER DAYA MANUSIA
287
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
QFSBUVSBOQFNFSJOUBIZBOHCFSMBLVBHBSEJQFSPMFI4. EFOHBOLJOFSKB
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EFOHBOZBOHEJJOHJOLBOQFSVTBIBBO t .FOEFTBJO
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QFOHFNCBOHBO4.
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t .FOHPOUSPM EBO NFNBTUJLBO QFMBLTBOBBO GVOHTJ 4. EJ TFMVSVI QFSVTBIBBO TVEBI TFTVBJ EFOHBO TUSBUFHJ
LFCJKBLBO
TJTUFNEBOSFODBOBLFSKBZBOHUFMBIEJTVTVO t .FOHFMPMB QFODBQBJBO UJOHLBU FGFLUJWJUBT BLUJWJUBT
PQFSBTJPOBM PMFI TVNCFS EBZB NBOVTJB ZBOH BEB
EJ TFMVSVIMJOJPSHBOJTBTJNFMBMVJLFTFQBLBUBO
Service Level Agreement
4-
JOEJWJEVBM t 4FDBSB UFSBUVS NFOHLBKJ EBNQBL EBSJ LFCJKBLBO EBO
QSPTFEVSUFSNBTVLKVHBLJOFSKB4- t .FOHFMPMBTJTUFN
manpower planning EBOGPSNBTJ4.
PSHBOJTBTJ TFDBSB FmTJFO EBO FGFLUJG VOUVL NFOVOKBOH TUSBUFHJ CJTOJT QFSVTBIBBO
UFSNBTVL EJBOUBSBOZB EBMBN
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QFOHFNCBOHBO LPNQFUFOTJ
QFHBXBJTFSUBQFSFODBOBBOTVLTFTJKBCBUBO
EJTFMVSVIMJOJ PSHBOJTBTJ
t .FOHFMPMB TJTUFN QFSHFSBLBO LBSJS QFHBXBJ EBMBN SBOHLBNFNFOVIJ
manpower PSHBOJTBTJUFSNBTVLEBMBN
NFOHJEFOUJmLBTJ EBO NFOBSJL LBOEJEBU ZBOH NFNJMJLJ QPUFOTJCBLBUUFSCBJL
t .FOHFMPMB EBO NFOHFWBMVBTJ TUSVLUVS QFOHHBKJBO EBO GBTJMJUBTGBTJMJUBT LFQFHBXBJBO UFSNBTVL QFNCFSJBO
reward CPOVT
QSPHSBN QFSMJOEVOHBO LFSKB
QSPHSBN
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LPOEJTJ
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EJJOEVTUSJUFSLBJU
t .FOHFMPMB QFMBLTBOBBO QFSIJUVOHBO LFCVUVIBO 4. TUBmOHNPEFM
CFSEBTBSLBONFUPEFBOBMJTBCFCBOLFSKB
workload analysis EBOBUBVNFUPEFMBJOOZB
t .FNBTUJLBO QFNFOVIBO UFOBHB LFSKB PSHBOJTBTJ TFDBSB UFQBU TFTVBJ LFCVUVIBO EBMBN IBM KVNMBI NBVQVO
QFNFOVIBO LVBMJmLBTJ LPNQFUFOTJ .FOZVTVO LFCJKBLBO EBOQFOHFMPMBBOQFHBXBJ
outsourcing TFSUBNFNBTUJLBO
LVBMJmLBTJ LPNQFUFOTJ QFHBXBJ outsourcing
ZBOH EJUFNQBULBO
t .FMBLVLBO FWBMVBTJ EBO QFOHFOEBMJBO UFSLBJU QFSLFNCBOHBOCJBZBTVNCFSEBZBNBOVTJB
BQQMJDBCMF PWFSONFOU SFHVMBUJPOT JO PSEFS UP PCUBJO IVNBO SFTPVSDFT XJUI QFSGPSNBODF
DBQBCJMJUJFT BOE
DPNQFUFODJFT JO BDDPSEBODF XJUI UP UIF PNQBOZT EFTJSF
t FTJHO
EFWFMPQ BOE JNQMFNFOU IVNBO SFTPVSDFT EFWFMPQNFOU JOJUJBUJWFT
BTTJTU UIF BOL JO BDIJFWJOH B
DPNQFUJUJWFQPTJUJPOJOUIFNBSLFU t POUSPM BOE FOTVSF UIF JNQMFNFOUBUJPO PG 3 GVODUJPOT
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QPMJDJFT
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JOEJWJEVBM4FSWJDF-FWFMHSFFNFOU t 3FHVMBSMZBTTFTTUIFJNQBDUTPGQPMJDJFTBOEQSPDFEVSFT
BTXFMMBT4-QFSGPSNBODF t .BOBHFUIFNBOQPXFSQMBOOJOHTZTUFNBOEUIFGPSNBUJPO
PGBOFGmDJFOUBOEFGGFDUJWFIVNBOSFTPVSDFTPSHBOJ[BUJPO UPTVQQPSUUIFPNQBOZTCVTJOFTTTUSBUFHJFT
JODMVEJOH
FWBMVBUJOHUIFQPTJUJPOEFTJHO
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FNQMPZFFDPNQFUFODZ
EFWFMPQNFOUBOEQPTJUJPOTVDDFTTJPOQMBOOJOHBDSPTTUIF FOUJSFPSHBOJ[BUJPOBMMJOFT
t .BOBHFUIFFNQMPZFFDBSFFSNPWFNFOUTZTUFNJOPSEFS UPGVMmMMPSHBOJ[BUJPOBMNBOQPXFSJODMVEJOHJEFOUJGZJOHBOE
BUUSBDUJOHDBOEJEBUFTXJUICFTUQPUFOUJBMUBMFOU t .BOBHFBOEFWBMVBUFUIFTBMBSZTUSVDUVSFBOEFNQMPZFF
GBDJMJUJFT JODMVEJOH UIF QSPWJTJPO PG SFXBSETCPOVT
MBCPS QSPUFDUJPO QSPHSBNT
QFOTJPO BOE SFUJSFNFOU QMBOT
BOE FNQMPZFF IFBMUI QSPUFDUJPO JO BDDPSEBODF XJUI UIF PNQBOZT mOBODJBM BCJMJUZ
EFDFOU MJWJOH DPOEJUJPOT
CBTFE PO UIF EFWFMPQNFOU PG FDPOPNJD DPOEJUJPOT BOE UIF EFWFMPQNFOU PG UIF SFNVOFSBUJPO TUSVDUVSF JO UIF
SFMBUFEJOEVTUSZ
t .BOBHF UIF JNQMFNFOUBUJPO PG 3 OFFET DBMDVMBUJPO TUBGmOHNPEFM
CBTFEPOUIFXPSLMPBEBOBMZTJTNFUIPE
BOEPSPUIFSNFUIPET t OTVSF UIF GVMmMNFOU PG UIF PNQBOZT 3 OFFET
BQQSPQSJBUFMZBOEBTSFRVJSFEJOUFSNTPGRVBOUJUZBTXFMM BTUIFGVMmMMNFOUPGDPNQFUFODFRVBMJmDBUJPOTPSNVMBUF
QPMJDJFTBOENBOBHFPVUTPVSDFEFNQMPZFFTBOEFOTVSF UIFGVMmMNFOUPGDPNQFUFODFRVBMJmDBUJPOPGUIFPVUTPVSDFE
FNQMPZFFT
t WBMVBUF BOE DPOUSPM DPTUT SFMBUFE UP IVNBO SFTPVSDFT EFWFMPQNFOU
HUMAN RESOURCES
288
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
t .FMBLVLBO FWBMVBTJ EBO QFOHBXBTBO BUBT QFOHFMPMBBO EBUBBENJOJTUSBTJQFSTPOBMLFQFHBXBJBOEBOTJTUFN34
TFSUB NFOHBXBTJ QFMBQPSBO SFHVMBS BUBT QFOHFMPMBBO 4.LFQBEBQJIBLNBOBKFNFONBVQVOJOTUJUVTJMBJOZBOH
UFSLBJULFUFOBHBLFSKBBO
t .FMBLVLBO QFNCJOBBO UFSLBJU EJTJQJMJO
QFSJMBLV EBO FUJLB QFHBXBJ TFSUB NFOKBEJ GBTJMJUBUPS EBMBN IVCVOHBO
QFSVTBIBBOEFOHBOQFHBXBJEBOQJIBLLFUJHBCFSLFOBBO NBTBMBILFQFHBXBJBO
t .FMBLVLBO FWBMVBTJ BUBT TJTUFN QFOHFMPMBBO LJOFSKB JOEJWJEV QFHBXBJ EBMBN IBM QFSFODBOBBO LJOFSKB
QFOJMBJBO LJOFSKB
FWBMVBTJ LJOFSKB EBO QFOHFNCBOHBO LJOFSKBJOEJWJEVQFHBXBJ
t .FMBLVLBOFWBMVBTJBUBTTJTUFNQFOHFMPMBBOLPNQFUFOTJ QFHBXBJ
ZBOHNFMJQVUJQFOHVLVSBOBTFTNFOLPNQFUFOTJ
QFNFUBBBOLPNQFUFOTJ
EBOQFOHFNCBOHBOLPNQFUFOTJ JOEJWJEVQFHBXBJ
t .FOHFMPMB EBO NFOHFWBMVBTJ BUBT TJTUFN QFOHFMPMBBO LBSJS QFHBXBJ CFSEBTBSLBO NPEFM EBO IBTJM BTFTNFO
LPNQFUFOTJTFSUBLJOFSKBQFHBXBJ t .FOTFMBSBTLBOTJTUFNQFOHFMPMBBOLBSJSQFHBXBJEFOHBO
QFOHFMPMBBOQSPNPTJEBONVUBTJQFHBXBJ t .FNCJOB IVCVOHBO EFOHBO QJIBL LFUJHB UFSLBJU
QFOHFNCBOHBOQFOHFMPMBBO4.EBOQFNCFSJBOGBTJMJUBT LFQFHBXBJBO UFSNBTVL EFOHBO JOTUJUVTJ LPOTVMUBO 4.
EBOQFOZFMFOHHBSBQSPHSBNQFOTJVOEBOIBSJUVB t .FNCFSJLBOJOGPSNBTJZBOHEJCVUVILBOQJIBLNBOBKFNFO
TFOJPS NFOHFOBJ NBTBMBI UFSUFOUV ZBOH TJHOJmLBO EBO CFSJTJLP CBHJ QFODBQBJBO UVKVBO
ZBOH CFMVN EJUBOHBOJ
TFQFOVIOZBEJUJOHLBUNBOBKFSJBM t .FOHJEFOUJmLBTJ QFSTZBSBUBO IVLVN TFSUB SFHVMBTJ
QFNFSJOUBI EBMBN QFMBQPSBO
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EJNJOUBTFCBHBJCVLUJLFQBUVIBO t FSUJOEBL TFCBHBJ QJIBL ZBOH EJIVCVOHJ QFSUBNB
EBMBN IBM LFUFOBHBLFSKBBO EJ QFSVTBIBBO
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t .FMJOEVOHJ LFQFOUJOHBO QBSB QFLFSKB EBO QFSVTBIBBO TFTVBJ EFOHBO LFCJKBLBO 4. EBO KVHB IVLVN TFSUB
BUVSBO ZBOH CFSMBLV EBO NFOHLBKJ SFLPNFOEBTJ VOUVL QFNVUVTBO IVCVOHBO LFSKB EBOBUBV QFNCFMBBO EJSJ
LBSZBXBO
NFMBMVJQSPTFEVSQFOHBKVBOLFMVIBO
t .FOZVTVO
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t POEVDU HVJEBODF SFMBUFE UP EJTDJQMJOF
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t POEVDUFWBMVBUJPOPOJOEJWJEVBMQFSGPSNBODFNBOBHFNFOU TZTUFN PG FNQMPZFFT JO UFSNT PG QFSGPSNBODF QMBOOJOH
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t POEVDU FWBMVBUJPO PO FNQMPZFF DPNQFUFODZ NBOBHFNFOU TZTUFN XIJDI JODMVEFT UIF NFBTVSFNFOU
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t .BOBHF BOE FWBMVBUF FNQMPZFF DBSFFS NBOBHFNFOU TZTUFN CBTFE PO UIF NPEFM BOE UIF DPNQFUFODZ
BTTFTTNFOUSFTVMUTBTXFMMBTFNQMPZFFQFSGPSNBODF t BSNPOJ[FFNQMPZFFDBSFFSNBOBHFNFOUTZTUFNXJUIUIF
NBOBHFNFOUPGFNQMPZFFQSPNPUJPOBOENVUBUJPO t PTUFS SFMBUJPOTIJQT XJUI UIJSE QBSUJFT SFMBUFE UP IVNBO
SFTPVSDFT EFWFMPQNFOU BOE UIF QSPWJTJPO PG FNQMPZFF GBDJMJUJFT
JODMVEJOH XJUI 3 DPOTVMUBOU JOTUJUVUJPOT
BOE
PSHBOJ[FSPGQFOTJPOBOESFUJSFNFOUQMBO t 1SPWJEF UIF JOGPSNBUJPO OFFEFE CZ TFOJPS NBOBHFNFOU
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BEESFTTFEBUUIFNBOBHFSJBMMFWFM t EFOUJGZ MFHBM BOE PWFSONFOU SFHVMBUPSZ SFRVJSFNFOUT
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PGDPNQMJBODF t DUBTUIFQBSUZmSTUDPOUBDUFEJOSFTQFDUUPFNQMPZNFOU
NBUUFST JO UIF DPNQBOZ
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SUMBER DAYA MANUSIA
289
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
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Authorities of the Head of the HR Division
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HUMAN RESOURCES
290
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
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t .FMBLTBOBLBO QFOFSJNBBO QFHBXBJ TFTVBJ CBUBT LFXFOBOHBOZBOHEJCFSJLBOPMFIJSFLTJ
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Authorities of the HR Development Group Leader
POEVDU JEFOUJmDBUJPO
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Task of the HR Assessment Center Group Leader
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SUMBER DAYA MANUSIA
291
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Tugas Pemimpin Grup Administrasi SDM
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Human Resources Information System
34
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bjb fresh
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Human Resource Information System
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Human Resource Information System 34
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Task of the HR Administration Group Leader
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HUMAN RESOURCES
292
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
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TEKNOLOGI INFORMASI
INFORMATION TECHNOLOGY
293
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
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Visi dan Misi Pelaksanaan
Visi
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Misi
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Governance TFSUBQFSBOHLBUNBOBKFNFOQFOEVLVOHOZB
VOUVL NFOKBNJO TFMVSVI QSPTFT UFLOPMPHJ JOGPSNBTJ EJMBLVLBOEFOHBOTUBOEBSUFSVLVS
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Vision and Mission of the Implementation
Vision
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Mission
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UPQSPWJEFUIFMBUFTUCBOLJOHTFSWJDFT 1SPWJEF BEFRVBUF JOGPSNBUJPO UFDIOPMPHZ PSHBOJ[BUJPOT
XJUIIVNBOSFTPVSDFTUIBUIBTHPPEDPNQFUFODFBTXFMM BTIBWJOHBOVOEFSTUBOEJOHPOUFDIOPMPHZ
1SPWJEFTVQQPSUGPSJOGPSNBUJPOUFDIOPMPHZHPWFSOBODF 5 PWFSOBODF
BTXFMMBTJUTTVQQPSUJOHNBOBHFNFOUUPPMT
UP FOTVSF UIF XIPMF JOGPSNBUJPO UFDIOPMPHZ QSPDFTT JT DPOEVDUFEXJUINFBTVSFETUBOEBSET
294
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Tata Kelola TI
5BUBLFMPMBUFLOPMPHJJOGPSNBTJNFSVQBLBOLFCJKBLBOUFSBUBT ZBOH NFOHBUVS QSJOTJQQSJOTJQ QFOZFMFOHHBSBBO TFMVSVI
QSPTFT 5 0MFI LBSFOB JUV
LFDVLVQBO UBUB LFMPMB 5 TFMBMV EJLBKJTFDBSBCFSLBMB
TFIJOHHBFGFLUJGVOUVLNFOKBHBLVBMJUBT
QFMBLTBOBBOQSPTFTEBOQFOFSBQBOOZB
BSJ IBTJM LBKJBO ZBOH EJMBLVLBO TFDBSB CFSLBMB TFUJBQ UBIVO
1FSTFSPBO NFOFUBQLBO LPNJUNFO VOUVL TFMBMV
NFNQFSCBJLJ
NFMFOHLBQJ
TFSUB NFOJOHLBULBO UFLOPMPHJ JOGPSNBTJBHBSTFOBOUJBTBNBNQVNFODBLVQTFMVSVIQSPTFT
EBO QFMBLTBOBBO LFHJBUBO CJTOJT EJ MJOHLVOHBO CBOL
bjb
4FMBJONFMBLVLBOLBKJBOUFSIBEBQUBUBLFMPMB
QBOEVBOSJODJ QFMBLTBOBBO 5 KVHB UFSVT EJUJOHLBULBO .JTBMOZB
UFSLBJU
LFCJKBLBO LFBNBOBO JOGPSNBTJ
QFOHFNCBOHBO BQMJLBTJ TUBOEBSQSPTFEVSPQFSBTJPOBM
TFSUBLFCJKBLBOMBJOOZB
,FNVEJBO
EFOHBO NFNQFSUJNCBOHLBO SFHVMBTJ TFQFSUJ UFSUVBOHEBMBN1FSBUVSBOBOLOEPOFTJBTFSUB
best practice NBLB IBMIBM ZBOH CFSLBJUBO EFOHBO 345 EJ CBOL
bjb
EJOZBUBLBOTFCBHBJCFSJLVU 345EJCBIBTPMFI,PNJUF1FOHBSBI5FLOPMPHJOEPOFTJB
,15
MBMV EJSFLPNFOEBTJLBO VOUVL EJUFUBQLBO PMFI JSFLTJEBOEJMBQPSLBOLFQBEBFXBO,PNJTBSJT
4FUJBQ UBIVO EJTVTVO SFODBOB EFUBJM UBIVOBO ZBOH NFOHBDV QBEB 345 CFSJTJ EBGUBS QSPZFL 5 EBMBN TBUV
UBIVO
TFIJOHHBQSPZFLQSPZFL5UFSTFCVUEJKBNJOTFKBMBO EFOHBO345
1FNBOUBVBOQFMBLTBOBBO345EJMBLVLBOTFDBSBCFSLBMB EBMBN QFSUFNVBO ,15 EBO EJMBQPSLBO LFQBEB JSFLTJ
EBOFXBO,PNJTBSJT 6OUVLNFOKBNJO
alignment LFTFMBSBTBO
EFOHBOSFODBOB
TUSBUFHJTCJTOJTCBOL
bjb
345IBSVTEJLBKJVMBOHTFDBSB CFSLBMB NJOJNBM TBUV UBIVO TFLBMJ BTJM LBKJBO EJCBIBT
PMFI ,15 EBO KJLB EJQFSMVLBO QFSVCBIBO
,15 EBQBU NFNCFSJLBO SFLPNFOEBTJ QFSVCBIBO VOUVL EJUFUBQLBO
LFNCBMJPMFIJSFLTJEBOEJLFUBIVJPMFIFXBO,PNJTBSJT
+JLBBEBTJUVBTJZBOHNFOVOUVUUFSKBEJOZBQFSVCBIBO345 TFHFSB
NBLBQFSVCBIBOEBQBUEJMBLVLBOTFCFMVNTBUV
UBIVO 6OUVLMFCJINFOKBNJOLFBOEBMBOTJTUFNTFSUBQFOHFMPMBBO
SJTJLP5ZBOHEJQFSMVLBOVOUVLNFOEVLVOHLFMBOHTVOHBO CJTOJT
JWJTJ5NFOZVTVOTUBOEBS5CBOL
bjb
ZBOHBLBO NFOKBEJ QFMFOHLBQ 345 TFSUB NFOKBEJ BDVBO EBMBN
JNQMFNFOUBTJ BSTJUFLUVS 5 4UBOEBS 5 EJTBILBO PMFI ,FQBMBJWJTJ5
IT Governance
OGPSNBUJPOUFDIOPMPHZHPWFSOBODFJTUIFIJHIFTUQPMJDZUIBU HPWFSOTUIFQSJODJQMFTPGUIFFOUJSFQSPDFTTPG55IFSFGPSF
UIF
BEFRVBDZPG5HPWFSOBODFJTBMXBZTBTTFTTFEQFSJPEJDBMMZ TPJUJTFGGFDUJWFJONBJOUBJOJOHUIFRVBMJUZPGUIFJNQMFNFOUBUJPO
QSPDFTTBOEJUTBQQMJDBUJPO
SPNUIFTUVEZSFTVMUTUIBUJTDPOEVDUFEPOBSFHVMBSCBTJT FWFSZZFBS
UIFPNQBOZFTUBCMJTIFTBDPNNJUNFOUUPBMXBZT
JNQSPWF
FRVJQ
BOEFOIBODFJOGPSNBUJPOUFDIOPMPHZJOPSEFS UPCFBCMFUPDPWFSUIFXIPMFQSPDFTTBOEUIFJNQMFNFOUBUJPO
PGCVTJOFTTBDUJWJUJFTJOCBOL
bjb
OBEEJUJPOUPDPOEVDUJOH SFWJFXTPOHPWFSOBODF
BEFUBJMFEHVJEFGPSJNQMFNFOUBUJPO
PG5JTBMTPDPOUJOVFEUPCFJNQSPWFEPSFYBNQMF
SFMBUFE UP JOGPSNBUJPO TFDVSJUZ QPMJDJFT
BQQMJDBUJPO EFWFMPQNFOU
TUBOEBSEPQFSBUJOHQSPDFEVSFT
BTXFMMBTPUIFSQPMJDJFT
VSUIFSNPSF
CZ UBLJOH JOUP BDDPVOU UIF SFHVMBUJPOT BT TUJQVMBUFE JO BOL OEPOFTJB 3FHVMBUJPO BT XFMM BT CFTU
QSBDUJDF
NBUUFSTSFMBUJOHUP345JOCBOL
bjb
BSFFYQSFTTFE BTGPMMPXT
345 JT EJTDVTTFE CZ UIF OEPOFTJBO 5FDIOPMPHZ 4UFFSJOHPNNJUUFF ,15
UIFOSFDPNNFOEFEUPCFTFU
CZ UIF PBSE PG JSFDUPST BOE SFQPSUFE UP UIF PBSE PG PNNJTTJPOFST
WFSZZFBSBEFUBJMFEBOOVBMQMBOUIBUSFGFSTUPUIF345 DPOUBJOJOHUIF5QSPKFDUMJTUGPSUIFZFBS
UIFSFGPSFUIPTF5
QSPKFDUTBSFFOTVSFEUPCFJOMJOFXJUIUIF345 .POJUPSJOH PO 345 JNQMFNFOUBUJPO JT DPOEVDUFE PO B
SFHVMBS CBTJT JO UIF ,15 NFFUJOH BOE SFQPSUFE UP UIF PBSEPGJSFDUPSTBOEUIFPBSEPGPNNJTTJPOFST
5P FOTVSF BMJHONFOU XJUI CBOL
bjb
T TUSBUFHJD CVTJOFTT QMBO
UIF345TIPVMECFSFWJFXFEBUSFHVMBSJOUFSWBMTPGBU
MFBTUPODFBZFBS5IFSFTVMUTPGUIFTUVEZBSFEJTDVTTFE CZ ,15 BOE JG DIBOHF JT OFDFTTBSZ
,15 DBO QSPWJEF
DIBOHF SFDPNNFOEBUJPOT UP CF SFFTUBCMJTIFE CZ UIF PBSE PG JSFDUPST BOE BDLOPXMFEHFE CZ UIF PBSE PG
PNNJTTJPOFST
OBTJUVBUJPOUIBUSFRVJSFTJNNFEJBUFDIBOHFJOUIF345 UIFTFDIBOHFTDBOCFNBEFQSJPSUPPOFZFBS
5P GVSUIFS FOTVSF UIF SFMJBCJMJUZ PG UIF TZTUFN BT XFMM BT 5SJTLNBOBHFNFOUUIBUJTSFRVJSFEUPTVQQPSUCVTJOFTT
DPOUJOVJUZ
UIF 5 JWJTJPO TFU UIF 5 TUBOEBSET PG CBOL
bjb
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