201
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
E. Produk Mikro
1. Melaksanaan GatheringBantuan Pemasaran.
2. Pembuatan Media Komunikasi. 3. Sosialisasi restrukturisasi kredit.
4. Meningkatkan kerja sama dengan Pemerintah Pusat Kementerian teknis, Pemerintah Provinsi Jawa Barat
NBVQVO-FNCBHBMBJOOZB 5. Melakukan
gathering 13
existing untuk setiap kanwil.
F. Kredit Pemilikan Rumah dan Mortgage
1. Melakukan kegiatan pemasaran melalui media secara berkesinambungan.
2. Melakukan gathering dengan pengembang, dinas
JOTUBOTJ
EBO BTPTJBTJ QSPQFSUJ TFQFSUJ 3FBM TUBU Indonesia.
G. Produk Internasional
1. Melakukan penetrasi pemasaran ke perusahaan CFSTUBUVT BEBO 6TBIB .JMJL FHBSB BUBV BEBO
Usaha Milik Daerah serta swasta melalui direct selling,
gathering, serta pameran. 2. Melakukan
advisory dan sosialisasi kepada nasabah QFNCJBZBBOUSBOTBLTJQFSEBHBOHBO USBEFmOBODF
. 3. Untuk mendorong bisnis remitansi, akan dilakukan
QSPNPTJ CBHJ MBZBOBO EBO QSPEVL
bjb remittance
TFDBSB LFTFMVSVIBO ZBOH NFMJQVUJ
bjb Quickcash,
Western Union dan Transfer Valas. 4. Memperluas jaringan pemasaran melalui kerja sama
dengan instansi pemerintah maupun lembaga swasta ZBOHUFSLBJUEFOHBOLFUFOBHBLFSKBBO
5. Penambahan sub-agen di dalam negeri untuk LFQBOKBOHBOUBOHBOMBZBOBO
bjb remittance. E. Micro Products
BSSZPVUBUIFSJOH.BSLFUJOHTTJTUBODF 2. Preparation of Media Communication.
3. Socialization debt restructuring. 4. Enhance cooperation with the Central Government
.JOJTUSZ UFDIOJDBM
8FTU +BWB 1SPWJODJBM PWFSONFOU and Institutions.
3FYJTUJOHHBUIFSJOHGPSBOZPGmDFT
F. Housing Loan and Mortgage
1. Perform media marketing activities on an ongoing basis.
2. Gathering with developers, servicesagencies, and BTTPDJBUJPOT TVDI BT UIF 3FBM TUBUF OEPOFTJB
QSPQFSUZ
G. International Products
1FOFUSBUJPONBSLFUJOHDPNQBOZUPUIFTUBUVTPG4UBUF Owned or regional-owned enterprises and the private
sector through direct selling, gathering, as well as exhibitions.
1FSGPSN BEWJTPSZ BOE TPDJBMJ[BUJPO UP DVTUPNFS mOBODJOHUSBEFUSBOTBDUJPOT USBEFmOBODF
3. To encourage the remittance business, will be the promotion of services and products overall
bjb
remittance covering bjb Quickcash, Western Union
BOEPSFJHOVSSFODZ5SBOTGFST 4. Expand the network of marketing in collaboration with
government agencies and private institutions related UPFNQMPZNFOU
5IFBEEJUJPOPGTVCBHFOUTJOUIFDPVOUSZUPBSN
bjb
remittance services.
MARKETING ASPECT
202
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
“Tahun 2014 merupakan tahun yang penuh tantangan
bagi perbankan termasuk bank bjb mengingat adanya
ketidakpastian kondisi perekonomian global yang juga berdampak pada perekonomian Indonesia.”
“2014 was a challenging year for the banking business, including
for bank bjb, given the uncertainty in global economic conditions
which also have an impact on the Indonesian economy.”
TINJAUAN KEUANGAN
FINANCIAL REVIEW
203
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
PEREKONOMIAN INDONESIA TAHUN 2014
OnBTJ CVMBO FTFNCFS TFEJLJU NFOJOHLBU NFMFCJIJ QFSLJSBBOBOLOEPOFTJBOnBTJFTFNCFSNFODBQBJ
NPN
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ZPZ
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OEPOFTJB
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JOnBTJTFQBOKBOHUBIVO
UFUBQ UFSLFOEBMJ QBEB
single digit EJUFOHBI UJOHHJOZB
UFLBOBOJOnBTJLFMPNQPL administered prices
ZBOHCFSTVNCFS EBSJLFOBJLBOIBSHB.CFSTVCTJEJ
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5FSKBHBOZBJOnBTJJOUJNFOZFCBCLBOUFSKBHBOZBQFSLFNCBOHBO JOnBTJ
ZBOH TFEJLJU MFCJI CBJL EJCBOEJOHLBO EFOHBO
JOnBTJ
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cost push BLJCBULFOBJLBOIBSHBLPNPEJUBTZBOHEJBUVSQFNFSJOUBIEBO
HFKPMBLIBSHBQBOHBOBQBJBOJOJUJEBLUFSMFQBTEBSJQFSBO LFCJKBLBO BOL OEPOFTJB EBMBN NFOHFMPMB QFSNJOUBBO
EPNFTUJL
NFOKBHB TUBCJMJUBT OJMBJ UVLBS
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TFSUB TFNBLJO CBJLOZB LPPSEJOBTJ
LFCJKBLBO QFOHFOEBMJBO JOnBTJ BOUBSB BOL OEPOFTJB EBO 1FNFSJOUBIFSTFMBOHTBUVIBSJTFUFMBIEJVNVNLBOLFOBJLBO
IBSHBCBIBOCBLBSNJOZBL .
CFSTVCTJEJ
PUPSJUBTNPOFUFS EBMBN IBM JOJ BOL OEPOFTJB
KVHB NFOHVNVNLBO
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rate TFCFTBSCQTNFOKBEJ
4VLVCVOHB lending facility
KVHBNFOHBMBNJLFOBJLBO TFCFTBS CQT NFOKBEJ
TFNFOUBSB TVLV CVOHB
deposit facility UFUBQQBEBMFWFM
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3VQJBI NFOHBMBNJ QFSHFSBLBO ZBOH
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INDONESIAN ECONOMY IN 2014
OnBUJPOJOFDFNCFSJODSFBTFETMJHIUMZNPSFUIBOUIF GPSFDBTUPGBOLOEPOFTJBFDFNCFSJOnBUJPOSFBDIFE
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VQGSPN64CJMMJPOSFDPSEFEBUUIFFOE
PG
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VQ GSPN 5IF
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INDUSTRY REVIEW
TINJAUAN INDUSTRI
204
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
1FOBNCBIBO LBQJUBMJTBTJ QBTBS NFODBQBJ
NFOKBEJ 64
NJMJBS TBNQBJ EFOHBO UBOHHBM FTFNCFS
EJCBOEJOHLBOQPTJTJ64
NJMJBSQBEBBLIJS J TJB 5FOHHBSB
return 4 EJ QPTJTJ
runner-up TFUFMBI
JOEFLT JMJQJOB 14
ZBOH NFSBJI QFSUVNCVIBO BSJ SFHJPOBM TJB
QFODBQBJBO 4 NBTVL FNQBU CFTBS
TFUFMBI JOEFLT 4IBOHIBJ EFOHBO return
JOEFLT 4 OEJB
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BKBUBO QPMJUJL MJNB
UBIVOBO
ZBLOJQFNJMVUBLNFOZVSVULBONJOBUJOWFTUPS1BEB 4FQUFNCFS
4NFOZFOUVIUJUJLUFSUJOHHJZBJUVQBEB
MFWFM
1FNPEBM BTJOH EJ UBIVO NFNCVLVLBO
net buy 3Q
USJMJVO1BEBUBIVO
LFUJLB4NJOVT
BTJOHNFODFUBL net sell
3Q
USJMJVO
Kinerja Sektor Perbankan Tahun 2014
8BMBVQVOLPOEJTJQFSFLPOPNJBOZBOHUFOHBINFMBNCBUTFKBL QFSUFOHBIBO UBIVO
LJOFSKB TFLUPS QFSCBOLBO NBTJI
NFOVOKVLLBO IBTJM ZBOH DVLVQ TPMJE 1FSUVNCVIBO LSFEJU TFLUPS QFSCBOLBO IJOHHB PWFNCFS NBTJI NFODBQBJ
EFNJLJBO KVHB EBOB QJIBL LFUJHB NBNQV UVNCVI IJOHHB
:P:
TFIJOHHB SBTJP -3 UFSDBUBU
-BKV QFSUVNCVIBO LSFEJU TFEJLJU NFOVSVO EJCBOEJOHLBO EFOHBO UBIVO ZBOH NFODBUBU QFSUVNCVIBO LSFEJU
IJOHHB BLIJS UBIVO TFCFTBS
TFEBOHLBO EBOB QJIBL LFUJHB TFCFTBS
OBNVO LJOFSKB JOJ NBTJI DVLVQ
NFOHHFNCJSBLBOQBMBHJQFSUVNCVIBOLSFEJUUFSTFCVUKVHB EJJNCBOHJ EFOHBO BOHLB 1- CSVUP ZBOH NBTJI UFSKBHB EJ
MFWFMZBOHSFOEBI
FHJUVQVMBEBMBNIBMQSPmUBCJMJUBT TFLUPSQFSCBOLBOTFQFSUJZBOHUFSDFSNJOQBEBBOHLB
Return on Assets
30
QBEB MFWFM
TFNFOUBSB BLJCBU LFOBJLBO TVLV CVOHB
Net Interest Margin .
TFEJLJU
NFMFNBI LF MFWFM
KJLB EJCBOEJOHLBO EFOHBO UBIVO TFCFTBS
3BTJP FCBO EJCBOEJOH QFOEBQBUBO
010
KVHBUFSDBUBUNFOJOHLBUNFOKBEJTFCFTBS
CJMB EJCBOEJOHLBO BLIJS UBIVO TFCFTBS
BSJ TFHJ
QFSNPEBMBO
3BTJP1FNFOVIBO,FDVLVQBO.PEBM.JOJNVN 3
QBEB UBIVO NFOVOKVLBO USFO LFOBJLBO NFOKBEJ
CJMBEJCBOEJOHLBOBLIJSUBIVOTFCFTBS
Informasi Keuangan Perusahaan
5BIVO NFSVQBLBO UBIVO ZBOH QFOVI UBOUBOHBO CBHJ QFSCBOLBO UFSNBTVL CBOL
bjb
NFOHJOHBU BEBOZB LFUJEBLQBTUJBO LPOEJTJ QFSFLPOPNJBO HMPCBM ZBOH KVHB
CFSEBNQBLQBEBQFSFLPOPNJBOOEPOFTJB SFBDIFEUP64CJMMJPOBTPGFDFNCFS
DPNQBSFE UP UIF 64 CJMMJPO BU UIF FOE PG O 4PVUIFBTUTJB
UIFBDIJFWFNFOUPGUIF4JTJOUIFSVOOFS
VQ QPTJUJPO BGUFS UIF 1IJMJQQJOFT 14
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4OEJBJOEFYXJUI
BOEUIF1IJMJQQJOFTXJUI
1PMJUJDBM DFMFCSBUJPO XIJDI PDDVST FWFSZ mWF ZFBST UIFHFOFSBMFMFDUJPO
EJEOPUEBNQFOUIFJOWFTUPSTJOUFSFTU
0O 4FQUFNCFS
4 UPVDIFE UIF IJHIFTU QPJOU BU MFWFMTPSFJHOJOWFTUPSTJOSFDPSEFEBOFUCVZ
PG3QUSJMMJPOO
XIFOUIF4XBTNJOVT GPSFJHOJOWFTUPSTSFDPSEFEBOFUTFMMPG3QUSJMMJPO
Performance of the Banking Sector in 2014
FTQJUF UIF TMPXJOH FDPOPNJD DPOEJUJPOT TJODF NJE UIFQFSGPSNBODFPGUIFCBOLJOHTFDUPSTUJMMTIPXFEBQSFUUZ
TPMJE PVUDPNF -PBO HSPXUI JO UIF CBOLJOH TFDUPS VQ UP UP PWFNCFSTUJMMSFBDIFE
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XIJMFUIJSE
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TFDUPS BT SFnFDUFE JO UIF 3FUVSO PO TTFUT 30
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.
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UIFBQJUBMEFRVBDZ3BUJP 3
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Financial Information of the Company
XBT B DIBMMFOHJOH ZFBS GPS UIF CBOLJOH CVTJOFTT JODMVEJOH GPS CBOL
bjb
HJWFO UIF VODFSUBJOUZ JO HMPCBM FDPOPNJD DPOEJUJPOT XIJDI BMTP IBWF BO JNQBDU PO UIF
OEPOFTJBOFDPOPNZ
TINJAUAN KEUANGAN
205
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
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JOnBUJPO
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DPNQFUJUJPO PXFWFS
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bjb
JOJTTUJMMFYQFSJFODJOHHSPXUI5PUBMMPBOT HSFXCZ:P:UP3Q
USJMMJPO
XIJMFUIJSEQBSUZGVOET
HSFX CZ :P: UP 3Q
USJMMJPO FU QSPmU SFBDIFE 3QUSJMMJPO
PSBEFDSFBTFPG5IFGPMMPXJOHJTUIF
QFSGPSNBODF BDIJFWFNFOUT PG CBOL
bjb
DPNQBSFE UP UIF UBSHFUPGUIFDPNQBOZJO
Target vs Realization of bank bjb 2014 Performance
bjb bank performance consolidated 2010-2014
FOPNFOB QFSMBNCBUBO QFSUVNCVIBO FLPOPNJ
JOnBTJ
EBO LFOBJLBO
rate UFSTFCVUNFOZFCBCLBOTFNBLJONFOJOHLBUOZB
QFSTBJOHBOQFSCBOLBOBNVO
QBUVUEJTZVLVSJCBIXBLJOFSKB CBOL
bjb
EJUBIVONBTJINFOHBMBNJQFSUVNCVIBO5PUBM ,SFEJUUVNCVI
:P:NFOKBEJ3Q
USJMJVOTFEBOHLBO
1,NFOHBMBNJQFSUVNCVIBOTFCFTBS
:P:NFOKBEJ 3Q
USJMJVO -BCB CFSTJI NFODBQBJ 3Q
USJMJVO BUBV
UVSVO
FSJLVU BEBMBI QFODBQBJBO LJOFSKB CBOL
bjb
EJCBOEJOHLBOEFOHBOUBSHFUQFSVTBIBBOEJ
Perbandingan Target dan Realisasi Kinerja bank bjb 2014
No. Uraian
Target 2014
Rp miliar Rp billion
Realisasi Realization
2014 Rp miliar
Rp billion
Pencapaian Achievement
2014 Description
1FOEBQBUBOVOHB OUFSFTUODPNF
1FOEBQBUBO0QFSBTJPOBM4FMBJOVOHB 0QFSBUJPOBMODPNF0UIFS5IBOOUFSFTU
Total Pendapatan Operasional 8.035
9.501 118,25
Total Operational Income
FCBOVOHB OUFSFTUYQFOTFT
FCBO6TBIBTFMBJOFCBOVOHB 0QFSBUJPOBMYQFOTFT0UIFS5IBOOUFSFTU
Total Beban Usaha 6.774
8.241 121,66
Total Operational Expenses
1FOEBQBUBO6TBIBFSTJI FU0QFSBUJPOBMODPNF
-BCB4FCFMVN1BKBL ODPNFFGPSF5BY
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Rasio-Rasio Keuangan Financial Ratios
30 30
30 30
. .
JBZBBOB PTUPGVOE
3BTJPJBZBUFSIBEBQ1FOEBQBUBO PTUUPODPNF3BUJP
1-SPTT SPTT1-
JBZB,SFEJU SFEJUPTU
3BTJP4 43BUJP
3 3
Kinerja bank bjb konsolidasi 2010-2014
Uraian 31 DesemberDecember 31
Description 2010
2011 2012
2013 2014
1FOEBQBUBOVOHBEBO4ZBSJBI OUFSFTUODPNFBOE4IBSJB
FCBOVOHBEBOBHJBTJM 4ZBSJBI
OUFSFTUYQFOTFTBOE4IBSJOH 4IBSJB
1FOEBQBUBOVOHBEBO4ZBSJBI FSTJI
FUOUFSFTUODPNFBOE4IBSJB 1FOEBQBUBO0QFSBTJPOBM-BJOOZB
0UIFST0QFSBUJPOBMODPNF FCBO0QFSBTJPOBM-BJOOZB
0UIFST0QFSBUJPOBMODPNF -BCB0QFSBTJPOBM
0QFSBUJPOBMODPNF -BCBTFCFMVNFCBO1BKBL
1FOHIBTJMBO ODPNFFGPSF5BY
-BCBFSTJI FUODPNF
FINANCIAL REVIEW
206
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
KINERJA UMUM 2014
FOHBO LPOEJTJ QFSCBOLBO ZBOH EJCBZBOHJ MJLVJEJUBT ZBOH LFUBUCBOL
bjb
NFODBUBUQFOVSVOBOMBCBCFSTJIEJUBIVO TFCFTBS
KJLBEJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB
-BCBCFSTJICBOL
bjb
EJUBIVOZBJUVTFCFTBS3Q USJMJVOUVSVONJMJBSNFOKBEJ3Q
USJMJVOEJUBIVO
1FOVSVOBO JOJ NFSVQBLBO EBNQBL LFOBJLBO 1- EJ UBIVO EJNBOBNFOHBMBNJLFOBJLBOTFCFTBS
0QUJNBMJTBTJMJBCJMJUBTTFSUBQFOHFOEBMJBOLFHJBUBOPQFSBTJPOBM ZBOHFGFLUJGEBOFmTJFO1FSUVNCVIBOBTFUCBOL
bjb
TFCFTBS EJEPSPOHPMFIQFOJOHLBUBOEBOBQJIBLLFUJHB
UFSVUBNBHJSPTFCFTBS
4FMBJOJUVQFSUVNCVIBOBTFU CBOL
bjb
EJEPSPOHPMFIQFOJOHLBUBOQJOKBNBOZBOHEJCFSJLBO TFCFTBS
1FOJOHLBUBO QJOKBNBO ZBOH EJCFSJLBO JOJ
NFSVQBLBOTBMBITBUVTUSBUFHJQFSVTBIBBOEBMBNNFOHFMPMB IBTJM QSPEVLUJG EBO NFOJOHLBULBO JNCBM IBTJM ZBOH EJJSJOHJ
EFOHBOQFSUVNCVIBOCJTOJTZBOHUFMBIEJMBLVLBOTFQBOKBOH UBIVO FOHBO FLTQBOTJ CJTOJT ZBOH DVLVQ BHSFTJG EJ
UBIVO
CBOL
bjb
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TFCFTBS
KBVI
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bjb
EJUBIVOUJEBLIBOZBUFSGPLVTQBEBQFOJOHLBUBOBTFU EBOMBCB
UFUBQJNFODBLVQKVHBQFSCBJLBOQFODBQBJBOBOB
1JIBL,FUJHB
IBMJOJUFSDFSNJOEFOHBOLFOBJLBOBOB1JIBL ,FUJHBZBOHTJHOJmLBOTFCFTBS
BUBVTFKVNMBI
USJMJVO
Aset
5PUBMTFU1FSTFSPBOQBEBUBIVONFOHBMBNJLFOBJLBO NFOKBEJ 3Q
USJMJVO CJMB EJCBOEJOHLBO EFOHBO
QFODBQBJBOTFCFTBS3Q
USJMJVO1FOJOHLBUBOBTFU UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI LFOBJLBO EBOB QJIBL
LFUJHBTFCFTBS
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Liabilitas
5PUBM -JBCJMUBT 1FSTFSPBO QBEB UBIVO NFOHBMBNJ LFOBJLBO
NFOKBEJ 3Q
USJMJVO CJMB EJCBOEJOHLBO
EFOHBO QFODBQBJBO TFCFTBS 3Q
USJMJVO 1FOJOHLBUBO MJBCJMUBT UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI
LFOBJLBO EBOB QJIBL LFUJHB TFCFTBS
EJBOUBSBOZB LFOBJLBOQFSTFOUBTFHJSPTFCFTBS
GENERAL PERFORMANCE IN 2014
8JUI UIF CBOLJOH DPOEJUJPO UIBU JT PWFSTIBEPXFE CZ UJHIU MJRVJEJUZ
CBOL
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bjb
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USJMMJPO
EFDSFBTFECZ CJMMJPOUP3Q
CJMMJPOJO5IJTEFDSFBTFXBTUIF
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XIJDI JODSFBTFE CZ
0QUJNJ[BUJPOPGMJBCJMJUZBTXFMMBTFGGFDUJWFBOEFGmDJFOUDPOUSPM PGPQFSBUJPOTTTFUTHSPXUIPGCBOL
bjb
PGXBTESJWFO CZBOJODSFBTFJOUIJSEQBSUZGVOETCZQBSUJDVMBSMZJO
TBWJOHTBDDPVOUCZVSUIFSNPSF
CBOL
bjb
TBTTFUT HSPXUIXBTESJWFOCZBOJODSFBTFJOMPBOTXIJDIBNPVOUFE
UP 5IF JODSFBTF JO MPBOT JT POF PG UIF DPNQBOZT TUSBUFHZJONBOBHJOHQSPEVDUJWFSFTVMUTBOEJODSFBTFUIFZJFME
XIJDIJTBDDPNQBOJFECZUIFHSPXUIPGUIFCVTJOFTTXIJDI IBTCFFOEPOFEVSJOH8JUIBGBJSMZBHHSFTTJWFCVTJOFTT
FYQBOTJPO JO
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bjb
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JO JTOPUPOMZGPDVTFEPOJODSFBTJOHBTTFUTBOEQSPmUT
CVU
BMTPJODMVEFTJNQSPWFNFOUTJOUIFBDIJFWFNFOUPGUIJSEQBSUZ GVOET
UIJTJTSFnFDUFECZUIFTJHOJmDBOUJODSFBTFJOUIJSEQBSUZ
GVOETCZPSJOUIFBNPVOUPGUSJMMJPO
Assets
5PUBMBTTFUTPGUIFPNQBOZJOFYQFSJFODFTBOJODSFBTF PGUP3QUSJMMJPO
DPNQBSFEUPUIFBDIJFWFNFOUJO
PG3QUSJMMJPO5IFJODSFBTFJOBTTFUTXBTESJWFO CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP
BNPOHPUIFSTUIFQFSDFOUBHFJODSFBTFJOEFNBOEEFQPTJUT CZ
Liabilities
5PUBMMJBCJMJUJFTPGUIFPNQBOZJOFYQFSJFODFEBOJODSFBTF PGUP3QUSJMMJPO
DPNQBSFEUPUIFBDIJFWFNFOUJO
PG3QUSJMMJPO5IFJODSFBTFEMJBCJMJUJFTXBTESJWFO CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP
BNPOHPUIFSTUIFQFSDFOUBHFJODSFBTFJOEFNBOEEFQPTJUT CZ
TINJAUAN KEUANGAN
207
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Equity
5IFFRVJUZPGCBOL
bjb
BOEJUTTVCTJEJBSJFTJOJTJOUIF BNPVOUPG3QUSJMMJPO
BOJODSFBTFPGDPNQBSFEUP
XIJDIBNPVOUFEUP3QUSJMMJPO5IJTJODSFBTFJTEVF UPUIFSFUBJOFEFBSOJOHTXIJDIJODSFBTFECBOL
bjb
TSFTFSWFT
2014 2013
2012 2011
2010
Liabilitas
-JBCJMJUJFT
+4,91
63.885
Rp Miliar 3QJMMJPO
2014 2013
2012 2011
2010
Aset
TTFUT
+6,87
75.797
Rp Miliar 3QJMMJPO
Ekuitas
LVJUBT CBOL
bjb
EBO BOBL QFSVTBIBBO QBEB UBIVO BEBMBITFCFTBS3Q
USJMJVO
NFOJOHLBUTFCFTBS
CJMB
EJCBOEJOHLBO EFOHBO UBIVO TFCFTBS 3Q
USJMJVO 1FOJOHLBUBOJOJEJTFCBCLBOLBSFOBBEBOZBTBMEPMBCBEJUBIBO
ZBOHNFOBNCBIKVNMBIDBEBOHBOCBOL
bjb
2014 2013
2012 2011
2010
Ekuitas
RVJUZ
+5,44
7.084
Rp Miliar 3QJMMJPO
FINANCIAL REVIEW
208
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
TINJAUAN LABA RUGI
Laba Bersih
-BCB CFSTJI NFOVSVO TFCFTBS
NFOKBEJ 3Q USJMJVO QBEB UBIVO EJCBOEJOHLBO UBIVO TFCFMVNOZB
3Q
USJMJVO1FOVSVOBO-BCBFSTJICFSBTBMEBSJUVSVOOZB LVBMJUBTBTFUQBEBUBIVONFOKBEJ
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t FCBO CVOHB NFOHBMBNJ QFOJOHLBUBO TFCFTBS BMJOJTFCBHBJEBNQBLCFCBOCVOHBZBOHDVLVQUJOHHJ
QBEB 58 EBO 58
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EFOHBO QFSUVNCVIBO LSFEJU
TFIJOHHB CFSEBNQBL UFSIBEBQ QFODBQBJBO ZBOH NFOVSVO 1BEB 58
EBO 7 EJWJTJ JOTUJUVTJPOBM CBOLJOH NFOHBUVS MBKV QFSUVNCVIBO1,UJEBLUFSMBMVUJOHHJUFUBQJNFOZFTVBJLBO
EFOHBOQFSUVNCVIBOLSFEJU
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t LTQBOTJ LSFEJU UVNCVI
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3Q
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NJMJBS
TFCBHJBOCFTBS,1LSFEJU.JLSPTFCFTBS3QNJMJBS 4FEBOHLBOCJBZB,1TFCFTBS3QNJMJBS
2014 2013
2012 2011
2010
Laba sebelum Beban Pajak
Penghasilan
ODPNFFGPSF5BY
-17,94
1.438.489
Rp Juta 3Q.JMMJPO
2014 2013
2012 2011
2010
Laba Bersih
FUODPNF
-18,62
1.120.034
Rp Juta 3Q.JMMJPO
PROFIT LOSS REVIEW
1HW3URÀW
FU QSPmU EFDSFBTFE CZ UP 3Q
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BTFE PO PVS BOBMZTJT
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t OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF PG 5IJTJTBTBSFTVMUPGIJHIJOUFSFTUJOUIFJSTUBOE4FDPOE
2VBSUFS
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5IJSE
BOEPVSUI2VBSUFS
UIFJOTUJUVUJPOBM
CBOLJOHEJWJTJPOSFHVMBUFTUIFHSPXUIPGUIJSEQBSUZGVOET UP CF OPU UPP IJHI
SBUIFS BEKVTUFE UP UIF DSFEJU HSPXUI
XIJDIIBEBOJNQBDUPOUIF5IJSE2VBSUFS
JOXIJDIUIF IBTTUBSUFEUPJODSFBTF
t SFEJU FYQBOTJPO HSFX CZ
CFMPX UIF JOEVTUSZ BWFSBHFXIJDIHSFXCZ
JOUIFFYQBOTJPO
PGDSFEJUBNPVOUJOHUP3QUSJMMJPO
XIFSFBTJOPOMZ HSFX3QUSJMMJPO
UIJTJTUIFMPXFTUHSPXUIPWFSUIFMBTU
ZFBSTBOEJNQBDUJOHPOUIFEFDSFBTFPGJOUFSFTUJODPNF
t FUFSJPSBUJOHDSFEJURVBMJUZ
UIFNPWFNFOUPGDPMMFDUJCJMJUZ SPTFCZGSPN3QCJMMJPOJOUP3Q
USJMMJPO JO
XIJDI MFBET UP UIF ,1 GPSNBUJPO PG 3Q
CJMMJPO
NPTUMZ BSF .JDSP DSFEJU ,1 XIJDI
BNPVOUFE UP 3Q CJMMJPO 8IJMF UIF DPTU PG UIF ,1JTJOUIFBNPVOUPG3QCJMMJPO
TINJAUAN KEUANGAN
209
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Pendapatan Sebelum Pajak dan Pendapatan Bersih
1FOEBQBUBOTFCFMVNQBKBLNFOVSVOTFCFTBS
NFOKBEJ 3Q
USJMJVOEJUBIVOEJCBOEJOHLBOQBEBUBIVO
TFCFTBS3Q
USJMJVO
ZBOHEJTFCBCLBOPMFIQFOVSVOBOMBCB PQFSBTJPOBMTFCFTBS
1FOVSVOBOUFSTFCVUCFSEBNQBL
LFQBEBQFOVSVOBOJNCBMIBTJMBTFU 30
NFOKBEJ
EJ UBIVOEJCBOEJOHLBOQBEBUBIVOTFCFTBS
4FNFOUBSB JUV
QFOEBQBUBO TFUFMBI QBKBL NFOVSVO TFCFTBS NFOKBEJ3Q
USJMJVOEJUBIVOEJCBOEJOHLBO
QBEBUBIVOTFCFTBS3Q
USJMJVO
Pendapatan Bunga
1FOEBQBUBOCVOHBSFMBUJGTUBHOBOIBOZBOBJLTFCFTBS NFOKBEJ 3Q
USJMJVO EJ UBIVO EJCBOEJOHLBO UBIVO
ZBOH TFCFTBS 3Q
USJMJVO BM UFSTFCVU TFKBMBO EFOHBONFOVSVOOZBNBSKJOCVOHBCFSTJI .
TFCFTBS
CQTNFOKBEJ
EJUBIVOEJCBOEJOHLBOUBIVO ZBJUVTFCFTBS
2014 2013
2012 2011
2010
Beban Bunga dan Bagi Hasil
Syariah
OUFSFTUYQFOTFT BOE4IBSJOH4IBSJB
+29,23
4.330.222
Rp Juta 3Q.JMMJPO
2014 2013
2012 2011
2010
Pendapatan Bunga dan
Syariah
OUFSFTUODPNF BOE4IBSJB
+8,10
8.791.820
Rp Juta 3Q.JMMJPO
Beban Bunga
FCBOCVOHBNFOHBMBNJLFOBJLBOTFCFTBS
NFOKBEJ TFCFTBS 3Q NJMJBS EJ UBIVO EJCBOEJOHLBO UBIVO
TFCFTBS3QNJMJBS,FOBJLBOJOJCFSBTBMEBSJ cost
of fund ZBOHTFNVMB
EJUBIVONFOKBEJ
EJ
UBIVO
Pendapatan Bunga Bersih
1FOVSVOBO QFOEBQBUBO CVOHB CFSTJI
EJTFSUBJ EFOHBO QFOJOHLBUBOQBEBCFCBOCVOHB
NFOHBMBNJQFOVSVOBOQBEB
QFOEBQBUBO CVOHB CFSTJI TFCFTBS
NFOKBEJ 3Q USJMJVOEJUBIVOEJCBOEJOHLBOUBIVOZBOHTFCFTBS
Income Before Tax and Net Income
ODPNFCFGPSFUBYFTEFDSFBTFECZUP3Q
USJMMJPO JODPNQBSFEUPXIJDIBNPVOUFEUP3Q
CJMMJPO
XIJDIJTDBVTFECZBEFDSFBTFJOPQFSBUJOHQSPmUCZ 5IF EFDMJOF SFTVMUFE JO EFDSFBTJOH ZJFMET PO BTTFUT 30
UP JO DPNQBSFE UP JO .FBOXIJMF JODPNFBGUFSUBYEFDSFBTFECZUP3Q
USJMMJPOJO
DPNQBSFEUPXIJDIBNPVOUFEUP3Q
USJMMJPO
Interest Income
OUFSFTUJODPNFXBTSFMBUJWFMZTUBHOBOU
SJTJOHPOMZCZ UP3Q
USJMMJPOJODPNQBSFEUP
XIJDIBNPVOUFE
UP3Q
USJMMJPO5IJTJTDPOTJTUFOUXJUIUIFEFDSFBTFJOOFU JOUFSFTUNBSHJO .
CZCQTUPJODPNQBSFE
UPJO
Interest Expense
OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF CZ UP 3Q
CJMMJPOJODPNQBSFEUPXIJDIBNPVOUFEUP
3Q
CJMMJPO5IJTJODSFBTFEFSJWFEGSPNUIFDPTUPGGVOET GSPNPSJHJOBMMZJOUPJO
Net Interest Income
5IF EFDMJOF JO OFU JOUFSFTU JODPNF
BDDPNQBOJFE CZ BO JODSFBTF JO JOUFSFTU FYQFOTF
EFDSFBTFE UIF OFU JOUFSFTU
JODPNF CZ UP 3Q
USJMMJPO JO DPNQBSFE UP XIJDIBNPVOUFEUP3Q
USJMMJPO5IJTJTJOMJOFXJUI
FINANCIAL REVIEW
210
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
3Q
USJMJVO BM UFSTFCVU TFKBMBO EFOHBO NFOJOHLBUOZB NBSKJOCVOHBCFSTJI .
TFCFTBSCQTNFOKBEJ
EJUBIVOEJCBOEJOHLBOUBIVOZBJUVTFCFTBS
Pendapatan Operasional Lainnya
1FOEBQBUBO PQFSBTJPOBM MBJOOZB TFMBNB NFOJOHLBU TFCFTBS
NFOKBEJ 3Q NJMJBS EJCBOEJOHLBO
UBIVO TFCFTBS 3Q NJMJBS ZBOH EJTFCBCLBO PMFI NFOJOHLBUOZBUSBOTBLTJNFMBMVJLBSUV5.UFSVUBNB
fee EBSJ
5.ZBOHNFOJOHLBUTFCFTBS
NFOKBEJ3Q
NJMJBSEJ UBIVOEJCBOEJOHLBOUBIVOTFCFTBS3Q
NJMJBS
2014 2013
2012 2011
2010
Pendapatan Operasional
Lainnya
0UIFST0QFSBUJPOBM ODPNF
+23,76
565.904
Rp Juta 3Q.JMMJPO
2014 2013
2012 2011
2010
Pendapatan Bunga Bersih
FUOUFSFTUODPNF
-6,70
4.461.598
Rp Juta 3Q.JMMJPO
3Q+VUB 3Q.JMMJPO
Uraian 31 DesemberDecember 31
Description 2010
2011 2012
2013 2014
1SPWJTJEBOLPNJTJTFMBJOEBSJLSFEJU ZBOHEJCFSJLBO
FFTBOEDPNNJTTJPOTGSPNMPBOT 1FOFSJNBBO,FNCBMJTFUZBOHUFMBI
JIBQVTVLV 3FDPWFSZGSPNTTFUT8SJUUFO0GG
,FVOUVOHBOEBSJQFOKVBMBOTVSBU CFSIBSHBZBOHEJQFSEBHBOHLBO
ODPNFGSPNTBMFTTFDVSJUJFT 1FOEBQBUBOUSBOTBLTJWBMVUBBTJOH
PSFJHOFYDIBOHFODPNF -BJOMBJO
0UIFST +VNMBI1FOEBQBUBO0QFSBTJPOBM
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3Q+VUB] 3Q.JMMJPO
14-Jan 14-Feb
14-Mar 14-Apr
14-Mei 14-Jun
Ju114 14-Agt
5ep 14 14-Okt
14-Nov 14-Des
1FOEBQBUBO,SFEJU 1FOEBQBUBO1,
1FOEBQBUBO5. BSBOTJBOL
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77
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PGCQTUP JODPNQBSFEUPXIJDIBNPVOUFEUP
Other Operational Income
0UIFSPQFSBUJOHJODPNFEVSJOHJODSFBTFECZUP 3QCJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q
CJMMJPOEVFUPJODSFBTFEUSBOTBDUJPOWJBBUNDBSEQBSUJDVMBSMZ GSPN5.GFFTXIJDIJODSFBTFECZUP3QCJMMJPOJO
DPNQBSFEUP3Q
CJMMJPOJO
TINJAUAN KEUANGAN
211
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
3Q+VUB] 3Q.JMMJPO
14-Jan 14-Feb
14-Mar 14-Apr
14-Mei 14-Jun
Ju114 14-Agt
5ep 14 14-Okt
14-Nov 14-Des
1BZNFOU1PJOU FFEBO,PNJTJ
JFLTBEBOB 8FTUFSO6OJPO
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3BUJPFFBTFE 5PUBM1FOEBQBUBO0QFSBTJPOBM
3Q+VUB
Des 13 Des 14
YoY eo
3Q.JMMJPO 1FOEBQBUBO,SFEJU
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FF1, 1FOEBQBUBO5.
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Payment Point
1BZNFOU1PJOU 3FLTBEBOB
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8FTUFSO6OJPO -BJOOZB
0UIFS
Fee Based
FFBTFE
Beban Operasional Lainnya
4FJSJOH EFOHBO QFSUVNCVIBO EBO QFSLFNCBOHBO WPMVNF CJTOJT ZBOH EJMBLVLBO PMFI 1FSVTBIBBO
CFCBO PQFSBTJPOBM
MBJOOZB NFOHBMBNJ QFOJOHLBUBO TFCFTBS
NFOKBEJ 3Q
USJMJVO EJ UBIVO EJCBOEJOHLBO UBIVO
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NFOKBEJ
3Q NJMJBS EJCBOEJOHLBO UBIVO TFCFTBS 3Q NJMJBS
TFKBMBO EFOHBO CFSUBNCBIOZB KVNMBI QFHBXBJ
NFOKBEJLBSZBXBOUFUBQTFEBOHLBOQBEBUBIVO TFKVNMBILBSZBXBO
3BTJP CJBZB UFSIBEBQ QFOEBQBUBO 010
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EJUBIVO TFEBOHLBO QBEB
UBIVOTFCFTBS
TFCBHBJFLTQBOTJKBSJOHBOEBO QFSFLSVUBO LBSZBXBO CBOL
bjb
OBNVO EFNJLJBO CBOL
bjb
CFSIBTJMNFMBLVLBOFmTJFOTJTFIJOHHBLFOBJLBO010UJEBL UFSMBMVCFTBS
Other Operating Expenses
O MJOF XJUI UIF HSPXUI BOE EFWFMPQNFOU PG UIF CVTJOFTT WPMVNFDPOEVDUFECZUIFPNQBOZ
PUIFSPQFSBUJOHFYQFOTFT
JODSFBTFECZUP3Q
USJMJVOJODPNQBSFEUP XIJDI BNPVOUFE UP 3Q
USJMMJPO 5IJT JODSFBTF JT
EFSJWFEGSPNMBCPSDPTUXIJDIJODSFBTFECZUP3Q CJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q
CJMMJPO
JOMJOFXJUIUIFJODSFBTFJOUIFOVNCFSPGFNQMPZFFTJOUP QFSNBOFOUFNQMPZFFTXIJMFUIFOVNCFSPGFNQMPZFFTJO
XBT
YQFOTFUPJODPNF 30
SBUJPJODSFBTFEUPJO XIJMF JO BNPVOUFE UP
BT OFUXPSL FYQBOTJPO
BOE SFDSVJUNFOU PG CBOL
bjb
FNQMPZFFT
IPXFWFS CBOL
bjb
NBOBHFEUPJNQSPWFFGmDJFODZ
UIVTUIFJODSFBTFJO30XBT OPUUPPMBSHF
FINANCIAL REVIEW
212
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
4BNQBJ FTFNCFS
CBOL
bjb
NFNJMJLJ ,BOUPS BCBOH
,BOUPSBCBOH1FNCBOUV
,BOUPS,BT
Payment Point NPCJMLBTEBO5.
CBOL
bjb
UFMBI NFNJMJLJ OBTBCBI TJNQBOBO TFCBOZBL QJIBLZBOHUFSEJSJEBSJ
OBTBCBISJUFM
OBTBCBILPSQPSBTJ
OBTBCBIQFNFSJOUBIEBOOBTBCBI JOTUJUVTJPOBM TFCFTBS
4FMBJO JUV CBOL
bjb
KVHB UFMBI NFOZBMVSLBOQJOKBNBOOZBLFQBEBEFCJUVSEJTFMVSVI
EBFSBIPQFSBTJPOBMCBOL
bjb
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EFCJUVS LSFEJU LPOTVNFS
EFCJUVS LSFEJU LPNFSTJBM
EFCJUVSLSFEJU,13EBOTFCFTBS
EFCJUVSLSFEJUNJLSP
3Q+VUB 3Q.JMMJPO
Uraian 31 DesemberDecember 31
Description 2010
2011 2012
2013 2014
FCBO0QFSBTJPOBM-BJOOZB 0UIFS0QFSBUJOHYQFOTFT
FCBO5FOBHBLFSKBEBOUVOKBOHBO -BCPVSIBSHFST4VCTJEZ
FCBO6NVNEBOBENJOJTUSBTJ FOFSBMENJOJTUSBUJWFYQFOTFT
1FOZJTJIBO 1FNCBMJLBO
,FSVHJBO1FOVSVOBO JMBJUBTTFU,FVBOHBOBOPO,FVBOHBO
MMPXBODFGPS-PTTFTPOFDSFBTFJO7BMVFPG JOBODJBMTTFU
,FSVHJBOZBOHFMVNJSFBMJTBTJLBOUBT 1FOVSVOBOJMBJ8BKBS4VSBUFSIBSHBZBOH
JQFSEBHBOHLBO 6OSFBMJ[FE-PTTFTUPFDSFBTFUIF7BMVFPG
BJS5SBEJOH4FDVSJUJFT ,FSVHJBOEBSJ1FOKVBMBO4VSBUFSIBSHBZBOH
JQFSEBHBOHLBO -PTTPOTBMFPGFMEGPS5SBEJOH.BSLFUBCMF
4FDVSJUJFT 1FOZJTJIBO,FSVHJBO1FOVSVOBOJMBJBUBT
,PNJUNFOEBO,POUJOKFOTJ MMPXBODFPS-PTTFTPOFDSFBTFO5IF
7BMVFPGPNNJUNFOUBOEPOUJOHFODZ FCBO-BJOOZB
0UIFSYQFOTFT +VNMBIFCBO0QFSBTJPOBM-BJOOZB
5PUBM0UIFS0QFSBUJPOBMYQFOTFT
2014 2013
2012 2011
2010
Kredit yang diberikan
JTCVSTFE-PBOT
+10,46
54.017.114
Rp Juta 3Q.JMMJPO
2014 2013
2012 2011
2010
Beban Operasional
Lainnya
0UIFST0QFSBUJPOBM ODPNF
+3,56
3.611.668
Rp Juta 3Q.JMMJPO
6QUPFDFNCFS
CBOL
bjb
IBTCSBODIPGmDFT 4VCSBODI0GmDFT
BTI0GmDFT
1BZNFOU1PJOUT
DBTIDBSTBOE
5.T CBOL
bjb
IBTBUPUBMPG
EFQPTJUDVTUPNFSTDPNQSJTJOH PG PG SFUBJM DVTUPNFST
DPSQPSBUF DVTUPNFST
HPWFSONFOUDVTUPNFSTBOEJOTUJUVUJPOBMDMJFOUT O BEEJUJPO
CBOL
bjb
BMTP IBT EJTUSJCVUFE
MPBOT UPEFCUPSTJOBMMPQFSBUJPOBMBSFBTPGCBOL
bjb
DPOTJTUJOHPG DPOTVNFSCPSSPXFST
DPNNFSDJBMCPSSPXFST
NPSUHBHF CPSSPXFST BOE NJDSPDSFEJU CPSSPXFST
TINJAUAN KEUANGAN
213
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
TINJAUAN ASET
Kredit yang Diberikan
5PUBM LSFEJU NFOHBMBNJ QFSUVNCVIBO TFCFTBS EJCBOEJOHLBOUBIVOTFCFTBS3QNJMJBS
NFOKBEJ
TFCFTBS 3Q NJMJBS EJ UBIVO BSJ TJTJ TVLV CVOHB LSFEJU .
NFOHBMBNJ QFOVSVOBO TFCFTBS
NFOKBEJ
EJ UBIVO EJCBOEJOHLBO UBIVO TFCFTBS
1FOJOHLBUBOLSFEJUTBMBITBUVOZBEJEVLVOH
PMFI QFSUVNCVIBO LSFEJU LPOTVNFS TFCFTBS
TFOJMBJ 3Q NJMJBS EJCBOEJOHLBO UBIVO TFOJMBJ 3Q
NJMJBS ,SFEJU LPOTVNFO TFCBHBJ TBMBI TBUV QSPEVL ZBOH EBQBUNFOPQBOHQFSUVNCVIBOLSFEJUCBOL
bjb
ZBOHEJNBOB QSPEVL , NFNJMJLJ QFSBOBO ZBOH TBOHBU QFOUJOH
IBM JOJ
EJLBSFOBLBO QSPEVL JOJ CFSLBJUBO MBOHTVOH EFOHBO core
business bank 1SPEVL , NFOHBMBNJ LFOBJLBO EBSJ
3Q
USJMJVO EJ UBIVO NFOKBEJ 3Q
USJMJVO EJ UBIVO 4FMBJO JUV ZBOH NFOHBMBNJ LFOBJLBO TBOHBU
TJHOJmLBO BEBMBI QSPEVL ,SFEJU 1VSOB IBLUJ BUBV ,SFEJU 1FOTJVO TFCFTBS EBSJ 3Q NJMJBS NFOKBEJ 3Q
USJMJVO
Total Penyaluran Kredit
Rp Juta Rp Million
Total Loan Disbursement
Uraian 31 DesemberDecember 31
Description 2010
2011 2012
2013 2014
,SFEJUZBOHEJCFSJLBOoSPTT -PBOT
JLVSBOHJQFOZJTJIBOLFSVHJBO MMPXBODF-PTTFT
,SFEJUZBOHEJCFSJLBOoFSTJI FU-PBOT
Penyaluran Kredit Berdasarkan Segmen
Rp Miliar Rp Billion
Loan Disbursement by Segment
Uraian - Bank only dalam miliar 31 DesemberDecember 31
Description - Bank only in billion
2011 2012
2013 2014
,POTVNFS POTVNFS
.JLSP .JDSP
,PNFSTJBM PNNFSDJBM
,13 .PSUHBHF
5PUBMLSFEJUSPTT 5PUBMSPTT-PBOT
Penyaluran Kredit Berdasarkan Jenis Penggunaan Kredit
Rp Juta Rp Million
Loan Disbursement by Types of Loan
Uraian 31 DesemberDecember 31
Description 2010
2011 2012
2013 2014
.PEBM,FSKB 8PSLJOHBQJUBM
OWFTUBTJ OWFTUNFOU
4JOEJLBTJ 4ZOEJDBUFE
,POTVNTJ POTVNQUJPO
,BSZBXBO NQMPZFF
1SPHSBN1FNFSJOUBI PWFSONFOU1SPHSBN
+VNMBI 5PUBM
1FOZJTJIBO,FSVHJBO -PTT1SPWJTJPO
+VNMBI,SFEJUZBOHEJCFSJLBOoCFSTJI 5PUBM-PBOJTCVSTFNFOUoOFU
ASSETS REVIEW
Loans
5PUBM MPBO HSFX CZ DPNQBSFE UP XIJDI BNPVOUFE UP 3Q
CJMMJPO
UP 3Q
CJMMJPO JO
-FOEJOH JOUFSFTU SBUFT .
FYQFSJFODFE B EFDSFBTF CZ UPJODPNQBSFEUPXIJDIBNPVOUFE
UP0OFPGUIFTVQQPSUJOHGBDUPSPGUIFJODSFBTFJOMPBOT JTUIFHSPXUIJODPOTVNFSMPBOTCZXIJDIBNPVOUFE
UP 3Q
CJMMJPO
DPNQBSFE UP XIJDI BNPVOUFE UP 3Q
CJMMJPOPOTVNFSMPBOBTPOFPGUIFQSPEVDUTUIBU
DBOTVQQPSUDSFEJUHSPXUIJOCBOL
bjb
JOXIJDI,QSPEVDUT IBWFWFSZJNQPSUBOUSPMF
UIJTJTCFDBVTFUIFTFQSPEVDUTBSF
EJSFDUMZSFMBUFEUPUIFDPSFCVTJOFTTPGUIFCBOL,QSPEVDUT JODSFBTFECZGSPN3QCJMMJPOJOUP3Q
USJMMJPO JO O BEEJUJPO
,SFEJU 1VSOB IBLUJ PS 1FOTJPO -PBOBMTPFYQFSJFODFEBTJHOJmDBOUJODSFBTFCZGSPN
3QCJMMJPOUP3QUSJMMJPO
FINANCIAL REVIEW
214
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Penyaluran Kredit Berdasarkan Skala Usaha
Rp Juta Rp Million
Loan Disbursement by Business Size
Uraian - Bank only 31 DesemberDecember 31
Description - Bank only 2014
6.,. .4.
6TBIB.JLSP .JDSPVTJOFTT
6TBIB,FDJM 4NBMMVTJOFTT
6TBIB.FOFOHBI .FEJVNVTJOFTT
5PUBM6.,. 5PUBM.4.
1SPQPSTJ6.,. 1SPQPSUJPOPG.4.
6TBIBFTBS -BSHFVTJOFTT
1SPQPSTJ6TBIBFTBS 1SPQPSUJPOPG-BSHFVTJOFTT
5PUBMLSFEJUZBOHEJCFSJLBOSPTT 5PUBM-PBOJTCVSTFNFOUSPTT
Penyaluran Dana Persektor
Konsumer Consumer
Indikator Utama FY13
FY14 ¨R
Main Indicator
0VUTUBOEJOH 3QNJMJBS 33.579
3QCJMMJPO
0VUTUBOEJOH LTQBOTJFUP 3QNJMJBS
3BUBSBUB
4.722 FUUYQBOTJPO 3QCJMMJPO
WFSBHF
0VUTUBOEJOHQFSFCJUVS 3QKVUB 96
0VUTUBOEJOHQFSFCUPS 3QNJMMJPO +VNMBIFCJUVS
350.446 VNCFSPGFCUPS
5JOHLBU4VLVVOHB 18.45
FGG1B OUFSFTU3BUF
Kualitas Kredit FY13
FY14 ¨R
Credit Quality
BMBN1FSIBUJBO,IVTVT 0,16
4QFDJBM.FOUJPO 1-
0,08 1-
Kredit Mikro Micro Loan
Indikator Utama FY13
FY14 ¨R
Main Indicator
0VUTUBOEJOH 3QNJMJBS 4.505
3QCJMMJPO
0VUTUBOEJOH LTQBOTJFUP 3QNJMJBS
3BUBSBUB
-848 FUUYQBOTJPO 3QCJMMJPO
WFSBHF
0VUTUBOEJOHQFSFCJUVS 3QKVUB 56
0VUTUBOEJOHQFSFCUPS 3QNJMMJPO +VNMBIFCJUVS
80.002 VNCFSPGFCUPS
5JOHLBU4VLVCVOHB -27.0
FGG1B OUFSFTU3BUF
Kualitas Kredit FY13
FY14 ¨R
Credit Quality
BMBN1FSIBUJBO,IVTVT 14,4
4QFDJBM.FOUJPO 1-
22,7 1-
Kredit Komersial Commercial Loan
Indikator Utama FY13
FY14 ¨R
Main Indicator
0VUTUBOEJOH 3QNJMJBS 6.850
3QCJMMJPO
0VUTUBOEJOH LTQBOTJFUP 3QNJMJBS
3BUBSBUB
139 FUUYQBOTJPO 3QCJMMJPO
WFSBHF
0VUTUBOEJOHQFSFCJUVS 3QKVUB 1.044
0VUTUBOEJOHQFSFCUPS 3QNJMMJPO +VNMBIFCJUVS
6.563 VNCFSPGFCUPS
5JOHLBU4VLVCVOHB -12
FGG1B OUFSFTU3BUF
Kualitas Kredit FY13
FY14 ¨R
Credit Quality
BMBN1FSIBUJBO,IVTVT 4,7
4QFDJBM.FOUJPO 1-
11,3 1-
Distribution of Funds by sector
TINJAUAN KEUANGAN
215
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Loan Based on Economic Sector
BTFE PO UIF FDPOPNJD TFDUPS
UIF MBSHFTU DPOUSJCVUJPO TUJMM DPNFTGSPNUSBEF
CVTJOFTTTFSWJDFT
DPOTUSVDUJPO
JOEVTUSZ
BOEBHSJDVMUVSF5SBEFTFDUPSBDDPVOUFEGPSDPNQBSFEUP XIJDIBNPVOUFEUP
CVTJOFTTTFSWJDFTCZ
DPNQBSFE UP XIJDI BNPVOUFE UP
DPOTUSVDUJPO CZ DPNQBSFE UP XIJDI BNPVOUFE UP BOE
OEVTUSZCZDPNQBSFEUPXIJDIBNPVOUFEUP BHSJDVMUVSFCZDPNQBSFEUPXIJDIBNPVOUFEUP
BOEPUIFSTBU
Kredit Pemilikan Rumah KPR Housing Loan
Indikator Utama FY13
FY14 ¨R
Main Indicator
0VUTUBOEJOH 3QNJMJBS 4.444
3QCJMMJPO
0VUTUBOEJOH LTQBOTJFUP 3QNJMJBS
3BUBSBUB
533 FUUYQBOTJPO 3QCJMMJPO
WFSBHF
0VUTUBOEJOHQFSFCJUVS 3QKVUB 259
0VUTUBOEJOHQFSFCUPS 3QNJMMJPO +VNMBIFCJUVS
17.180 VNCFSPGFCUPS
5JOHLBU4VLVCVOHB -13.7
FGG1B OUFSFTU3BUF
Kualitas Kredit FY13
FY14 ¨R
Credit Quality
BMBN1FSIBUJBO,IVTVT 12,8
4QFDJBM.FOUJPO 1-
5,1 1-
Kredit Berdasarkan Sektor Ekonomi
FSEBTBSLBOTFLUPSFLPOPNJ
LPOUSJCVTJUFSCFTBSNBTJICFSBTBM EBSJTFLUPSQFSEBHBOHBO
KBTBKBTBEVOJBVTBIB
LPOTUSVLTJ
JOEVTUSJ
EBO QFSUBOJBO 4FLUPS QFSEBHBOHBO CFSLPOUSJCVTJ TFCFTBS
EJCBOEJOHLBO UBIVO TFCFTBS
KBTBKBTBEVOJBVTBIBTFCFTBS
EJCBOEJOHLBOUBIVO TFCFTBS
LPOTUSVLTJTFCFTBS
EJCBOEJOHLBOUBIVO
TFCFTBS
EBOOEVTUSJTFCFTBSEJCBOEJOHLBO UBIVO TFCFTBS
QFSUBOJBO TFCFTBS
EJCBOEJOHLBOUBIVOTFCFTBS
EBOMBJOMBJOTFCFTBS
1FSUBOJBO HSJDVMUVSF
1FSUBNCBOHBO .JOJOH
OEVTUSJ OEVTUSZ
-JTUSJL
BTEBOJS MFDUSJD
BTBOE8BUFS
,POTUSVLTJ POTUSVDUJPO
-BJOMBJO 0UIFST
1FSEBHBOHBO 5SBEF
1FOHBOHLVUBOEBO1FSHVEBOHBO 5SBOTQPSUBUJPOBOE8BSFIPVTF
+BTBKBTBEVOJBVTBIB VTJOFTT4FSWJDF
+BTBKBTBTPTJBM 4PDJBM4FSWJDF
,SFEJUFSEBTBSLBO4FLUPSLPOPNJ
-PBOBTFEPOUIFDPOPNJD4FDUPS
74,36
Uraian Rp Juta
31 DesemberDecember 31 Rp Million Description
2010 2011
2012 2013
2014
1FSUBOJBO HSJDVMUVSF
1FSUBNCBOHBO .JOJOH
OEVTUSJ OEVTUSZ
-JTUSJL
HBTEBOBJS MFDUSJD
BTBOE8BUFS
,POTUSVLTJ POTUSVDUJPO
1FSEBHBOHBO 5SBEF
1FOHBOHLVUBOEBO1FSHVEBOHBO 5SBOTQPSUBUJPOBOE8BSFIPVTF
+BTBKBTBEVOJBVTBIB VTJOFTT4FSWJDF
+BTBKBTBTPTJBM 4PDJBM4FSWJDF
-BJOMBJO 0UIFST
+VNMBI 5PUBM
1FOZJTJIBO,FSVHJBO 1SPWJTJPOJOH
+VNMBILSFEJUZBOHEJCFSJLBOoSPTT 5PUBM-PBOT
FINANCIAL REVIEW
216
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Kredit Bermasalah
5PUBM LSFEJU CFSNBTBMBI Non-Performing Loan
BUBV 1- Gross
UFSLFOEBMJEJLJTBSBOTFCFTBS3Q
USJMJVOEJUBIVO EJCBOEJOHLBO UBIVO TFCFTBS 3Q
USJMJVO
4FIJOHHBCJMBEJUJOKBVEBSJSBTJP1-UFSIBEBQUPUBMLSFEJUZBOH EJTBMVSLBO
SBTJPLVBMJUBTLSFEJUCFSNBTBMBINFOJOHLBUZBOH
NFSVQBLBOTBMBITBUVEBNQBLFLPOPNJHMPCBMEBOOBTJPOBM TFQBOKBOH TFCBHBJNBOB EJUVOKVLLBO PMFI SBTJP 1-
CSVUPTFCFTBS
EJUBIVOEJCBOEJOHLBOUBIVO TFCFTBS
VOUVL NFNQFSCBJLJ IBM UFSTFCVU 1FSTFSPBO
CFSVQBZB NFOJOHLBULBO GVOHTJ QFOBHJIBO
NFMBLVLBO SFTUSVLUVSJTBTJLSFEJU
TFSUBNFMBLVLBOQFOKVBMBOBHVOBO
Uraian 2013
2014 GROWTH
Description
,POTVNFS 0,08
POTVNFS .JLSP
22,7 .JDSP
,PNFSTJBM 11,3
PNNFSDJBM ,13
5,1 PVTJOH-PBO
Total 2,8
4,1 1,3
Total
Kredit Bermasalah
PO1FSGPSNJOH-PBO
.JLSP .JDSP
,POTVNFS POTVNFS
,PNFSTJBM PNNFSDJBM
,13 PVTJOH-PBO
2014
Kredit Bermasalah
PO1FSGPSNJOH-PBO
.JLSP .JDSP
,POTVNFS POTVNFS
,PNFSTJBM PNNFSDJBM
,13 PVTJOH-PBO
2013
Uraian Rp Juta
31 DesemberDecember 31 Rp Million Description
2010 2011
2012 2013
2014
-BODBS VSSFOU
BMBNQFSIBUJBOLIVTVT 4QFDJBMNFOUJPO
,VSBOHMBODBS 4VCTUBOEBSE
JSBHVLBO PVCUGVM
.BDFU -PTT
+VNMBILSFEJUZBOHEJCFSJLBOoSPTT -PBOToSPTT
1FOZJTJIBO,FSVHJBO MMPXBODFPS-PTTFT
+VNMBILSFEJUZBOHEJCFSJLBOoFSTJI -PBOToFUUP
Uraian Rp Juta
31 DesemberDecember 31 Rp Million Description
2010 2011
2012 2013
2014
1-SPTT 3Q+VUB 3Q.JMMJPO
1-SPTT
3BTJP1-SPTT 3BTJP1-SPTT
1-FUUP 3Q+VUB 3Q.JMMJPO
1-FUUP
Non Performing Loan
5PUBM PO1FSGPSNJOH -PBO 1-SPTT
XBT NBJOUBJOFE JO UIF 3Q USJMMJPO SBOHF JO DPNQBSFE UP XIJDI
BNPVOUFE UP 3Q
USJMMJPO 5IVT
JG WJFXFE GSPN UIF 1- SBUJP UP UPUBM MPBOT
UIF RVBMJUZ SBUJP PG OPOQFSGPSNJOH MPBO
JODSFBTFE
XIJDIJTPOFPGUIFHMPCBMBOEOBUJPOBMFDPOPNJD JNQBDUUISPVHIPVUBTJOEJDBUFECZUIFHSPTT1-SBUJPPG
JODPNQBSFEUPXIJDIBNPVOUFEUP UP SFTPMWF UIJT JTTVF
UIF DPNQBOZ TFFLT UP JNQSPWF UIF
GVODUJPOPGCJMMJOH
DSFEJUSFTUSVDUVSJOH
BTXFMMBTDPOEVDUJOH TBMFTPODPMMBUFSBM
TINJAUAN KEUANGAN
217
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Uraian Rp Juta
31 DesemberDecember 31 Rp Million Description
2010 2011
2012 2013
2014
3BTJP1-FUUP 3Q+VUB 3Q.JMMJPO
3BTJP1-FUUP
+VNMBILSFEJUZBOHEJCFSJLBOoSPTT -PBOTSPTT
BUBUBO 1FSIJUVOHBOSBTJP1-VOUVLFTFNCFS
NFOHBDVQBEB4
PNPS11UBOHHBM.BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJO CVLBONFSVQBLBOLPNQPOFOSBTJP1-VOUVLFTFNCFS
QFSIJUVOHBOSBTJP1-NFOHBDVQBEB4PNPS11UBOHHBM .BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJONFSVQBLBOLPNQPOFOQBEB
QFSIJUVOHBOSBTJP1- PUF
1-SBUJPDBMDVMBUJPOGPSFDFNCFS
BOE
SFGFSTUP4 P11EBUFE.BSDI
JOXIJDIMPBOTUPPUIFS
CBOLT BSF OPU B DPNQPOFOU JO UIF DBMDVMBUJPO PG 1- SBUJP PS FTFNCFS
BOE
1-SBUJPDBMDVMBUJPOSFGFST
UP4P11EBUFE.BSDI
JOXIJDIMPBOTUP PUIFSCBOLTDPOTUJUVUFBDPNQPOFOUPGUIFDBMDVMBUJPOPG1-SBUJP
Penyisihan Cadangan Kerugian Penurunan Nilai CKPN
BEBOHBO LFSVHJBO QFOVSVOBO OJMBJ QBEB CVMBO FTFNCFS BEBMBI TFCFTBS 3Q
USJMJVO BUBV OBJL TFCFTBS
EJCBOEJOHLBO UBIVO TFCFTBS 3Q
USJMJVO 1FOJOHLBUBO DBEBOHBO LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ
EJLBSFOBLBO CFCFSBQB IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO LFSVHJBO TFCFTBS 3Q
USJMJVO 1FOJOHLBUBO ,1
JOJ UFSVUBNB EJTFCBCLBO PMFI QFSUVNCVIBO QPSUPGPMJP LSFEJU TFCFTBS
NFOKBEJ 3Q
USJMJVO EJ UBIVO
TFEBOHLBOQBEBUBIVOTFCFTBS3Q
USJMJVO
EJNBOB QFSIJUVOHBO,1UFMBITFKBMBOEBOCFSEBTBSLBOQFOFSBQBO
14, SFWJTJ
EBO14, SFWJTJ
Kredit yang Mengalami Penurunan Nilai
+VNMBI ,SFEJU ZBOH .FOHBMBNJ 1FOVSVOBO JMBJ CVMBO FTFNCFS BEBMBI TFCFTBS 3Q
USJMJVO BUBV
NFOJOHLBU TFCFTBS
EJCBOEJOHLBO UBIVO TFCFMVNOZB TFCFTBS 3Q
USJMJVO 1FOJOHLBUBO DBEBOHBO
LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ EJLBSFOBLBO CFCFSBQB IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO LFSVHJBO TFCFTBS
3Q
USJMJVO
TINJAUAN LIABILITAS
Dana Pihak Ketiga
1FSVTBIBBO NFODBUBU UPUBM EBOB OBTBCBI TFCFTBS 3Q USJMJVOUBVNFOJOHLBUTFCFTBS
EBSJUBIVOTFCFTBS
3Q
USJMJVO EBQVO LPNQPTJTJ EBOB OBTBCBI BEBMBI EBMBN CFOUVL HJSP
EBMBN CFOUVL UBCVOHBO
EBO
EBMBN CFOUVL EFQPTJUP CFSKBOHLB 3BTJP BOB .VSBI 4
NFOJOHLBUTFCFTBS
NFOKBEJ3Q
USJMJVO EJCBOEJOHLBO UBIVO TFCFTBS 3Q
USJMJVO EJTFCBCLBOPMFILFOBJLBOHJSPEBOUBCVOHBONBTJOHNBTJOH
TFCFTBS
EBO
EJCBOEJOH UBIVO TFCFMVNOZB NFOKBEJ3Q
USJMJVOEBO3Q
USJMJVOEJUBIVO
EJCBOEJOHLBO UBIVO TFCFTBS 3Q
USJMJVO VOUVL
Allowance of Impairment Losses Reserve CKPN
MMPXBODFGPSJNQBJSNFOUMPTTFTJOFDFNCFSBNPVOUFE UP3QUSJMMJPO
BOJODSFBTFPGDPNQBSFEUP
XIJDIBNPVOUFEUP3QUSJMMJPO5IFJODSFBTFJOBMMPXBODF GPSJNQBJSNFOUMPTTFTPDDVSSFEEVFUPTFWFSBMUIJOHT
OBNFMZ
UIFBMMPXBODFGPSMPTTFTJOXIJDIBNPVOUFEUP3Q USJMMJPO5IFJODSFBTFJO,1JTNBJOMZEVFUPUIFHSPXUIPG
UIFMPBOQPSUGPMJPCZUP3QUSJMMJPOJO
XIJMF JOJUBNPVOUFEUP3QCJMMJPO
JOXIJDIUIF,1
DBMDVMBUJPOTBSFDPOTJTUFOUBOECBTFEPOUIFBQQMJDBUJPOPG 44 SFWJTJPO
BOE44 SFWJTJPO
Loans Experiencing Impairment Losses
5PUBM -PBOT YQFSJFODJOH NQBJSNFOU -PTTFT JO FDFNCFS BNPVOUFEUP3QCJMMJPOPSBOJODSFBTFPG
DPNQBSFEUPUIFQSFWJPVTZFBSJOUIFBNPVOUPG3Q CJMMJPO5IFJODSFBTFJOBMMPXBODFGPSJNQBJSNFOUMPTTFTIBWF
PDDVSSFE EVF UP TFWFSBM UIJOHT
OBNFMZ UIF BMMPXBODF GPS MPTTFTJOXIJDIBNPVOUFEUP3QUSJMMJPO
LIABILITIES REVIEW
Third Party Funds
5IF PNQBOZ SFDPSEFE UPUBM DVTUPNFS GVOET PG 3Q USJMMJPO0SBOJODSFBTFPGGSPNXIJDIBNPVOUFE
UP 3Q CJMMJPO 5IF DPNQPTJUJPO PG DVTUPNFS GVOET JT JO UIF GPSN PG EFNBOE EFQPTJUT
JO TBWJOHT
BOEJOUJNFEFQPTJUT4SBUJPJODSFBTFECZ UP 3Q CJMMJPO DPNQBSFE UP XIJDI BNPVOUFE UP
3Q CJMMJPO EVF UP UIF JODSFBTF JO EFNBOE EFQPTJUT BOETBWJOHTCZBOESFTQFDUJWFMZDPNQBSFEUP
UIFQSFWJPVTZFBSUP3QUSJMMJPOBOE3QUSJMMJPOJO DPNQBSFEUPXIJDIBNPVOUFEUP3QUSJMMJPO
GPSEFNBOEEFQPTJUTBOE3QUSJMMJPOGPSTBWJOHT
XIJDI
FINANCIAL REVIEW
218
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
HJSP EBO 3Q
USJMJVO VOUVL UBCVOHBO KVHB NFNCFSJLBO LPOUSJCVTJEBMBNQFSUVNCVIBOUPUBMEBOBOBTBCBIFOHBO
QFOVSVOBO EFQPTJUP CFSKBOHLB CFSCBOEJOH LFOBJLBO EBOB NVSBI
NBLB EJ UBIVO
SBTJP QFSCBOEJOHBO BOUBSB
EBOB NVSBI EFOHBO UPUBM EBOB OBTBCBI +VHB NFOJOHLBU 43BUJPNFOJOHLBUTFJSJOHEFOHBOQFSVCBIBOLFCJKBLBO
QFNFSJOUBI QVTBU NFOHFOBJ QBKBL EBFSBI
EJBOUBSBOZB QFNCBZBSBO QBKBL CVNJ EBO CBOHVOBO 1
EBO QBKBL
LFOEBSBBOCFSNPUPS
ZBOHNFXBKJCLBOTFMVSVIQFNCBZBSBO EJCBZBSLBONFMBMVJBOL1FNCBOHVOBOBFSBI
Jumlah Giro, Tabungan Deposito Berjangka
5PUBMPGVSSFOUDDPVOU
4BWJOHDDPVOU5JNFFQPTJUT
JSP VSSFOUDDPVOU
5BCVOHBO 4BWJOHDDPVOU
FQPTJUPFSKBOHLB 5JNFFQPTJUT
40,62
JSP VSSFOUDDPVOU
5BCVOHBO 4BWJOHDDPVOU
FQPTJUPFSKBOHLB 5JNFFQPTJUT
Jumlah Giro, Tabungan Deposito Berjangka
5PUBMPGVSSFOUDDPVOU
4BWJOHDDPVOU5JNFFQPTJUT
Uraian Rp Juta
31 DesemberDecember 31 Rp Million Description
2010 2011
2012 2013
2014
JSP VSSFOUDDPVOU
5BCVOHBO 4BWJOHTDDPVOU
FQPTJUPFSKBOHLB 5JNFFQPTJUT
Jumlah Simpanan Nasabah 31.953.462
39.042.777 47.632.863
47.220.701 53.487.890
Total Saving
Dana Pihak Ketiga Berdasarkan Mata Uang
JMB EJLFMPNQPLLBO CFSEBTBSLBO KFOJT NBUB VBOH
NBLB EBOB OBTBCBI EBMBN NBUB VBOH 3VQJBI NFNJMJLJ LPOUSJCVTJ
TFCFTBS
EJJLVUJ PMFI EBOB OBTBCBI EBMBN NBUB VBOHBTJOHTFCFTBS
EBSJUPUBMOBTBCBIEJUBIVO
JCBOEJOHLBOUBIVO
EBOBOBTBCBIEBMBNNBUBVBOH 3VQJBI NFOHBMBNJ LFOBJLBO TFCFTBS 3Q NJMJBS BUBV
NFOKBEJ3Q
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USJMJVO EBO EBOB OBTBCBI
EBMBN NBUB VBOH BTJOH KVHB NFOHBMBNJ QFOVSVOBO EBSJ3QNJMJBSEJUBIVONFOKBEJ3QNJMJBS
Tabungan
1SPEVL UBCVOHBO TFCBHBJ TBMBI TBUV QSPEVL VOUVL NFOHIJNQVOEBOBOBTBCBITFDBSBMBOHTVOHZBOHNFOJOHLBU
TFCFTBS 3Q NJMJBS BUBV
NFOKBEJ 3Q
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UIF EFDSFBTF JO UJNF EFQPTJUT DPNQBSFE UP UIF JODSFBTF JO MPXDPTUGVOET
JO
UIFSBUJPPGMPXDPTUGVOETXJUIUPUBM
DVTUPNFSGVOETBMTPJODSFBTFE5IFJODSFBTFPG4SBUJP JT JO MJOF XJUI UIF DIBOHF JO UIF DFOUSBM HPWFSONFOU QPMJDZ
SFHBSEJOHMPDBMUBYFT
JODMVEJOHQBZNFOUTPGMBOEBOECVJMEJOH UBY 1
BOENPUPSWFIJDMFUBY
XIJDISFRVJSFTBMMQBZNFOUT
QBJEUISPVHI3FHJPOBMFWFMPQNFOUBOL
Third Party Funds Based on Currency
SSBOHFECZUZQFPGDVSSFODZ
DVTUPNFSGVOETEFOPNJOBUFE JO3VQJBIIBTBDPOUSJCVUJPOPG
GPMMPXFECZDVTUPNFS
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DVTUPNFSGVOET
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BNPVOUFEUP3QUSJMMJPOBOEDVTUPNFSGVOETJOGPSFJHO DVSSFODJFTEFDSFBTFECZGSPN3QCJMMJPOJOUP
3QCJMMJPO
Savings
4BWJOHT QSPEVDUT BT POF PG UIF QSPEVDUT UIBU EJSFDUMZ SBJTF DVTUPNFST GVOET JODSFBTFE CZ 3Q CJMMJPO PS UP
3Q CJMMJPO GSPN 3Q CJMMJPO BT PG FDFNCFS
TINJAUAN KEUANGAN
219
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
EBSJ 3Q
USJMJVO QFS FTFNCFS
UJEBL UFSMFQBT EBSJ LFCFSIBTJMBO 1FSVTBIBBO EBMBN NFOHJNQMFNFOUBTJLBO
TBMBI TBUV EBSJ OBN 1JMBS 4USBUFHJ 6UBNB
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QSPHSBNZBOHNFOEBQBUTBNCVUBOIBOHBUEBSJNBTZBSBLBU BEBMBI .FOZFMFOHHBSBLBO 1SPHSBN 1SPNPTJ 5BCVOHBO
TFCBHBJNBOBCFSJLVU t 1SPHSBN1FUJLBEJBICBOL
bjb
t 1SPHSBN CFSIBEJBI MBOHTVOH
bjb
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t 1SPHSBNFCZBSLIJS5BIVO VOHB5BCVOHBO4FUJOHLBU FQPTJUP
t 1SPHSBNBEJBI4BOH+VBSB
bjb
UBOEBNBUB.ZJSTU 4FMBJO UFSTFCVU CBOL
bjb
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t FOHBO ,FNFOEJLCVE EBMBN IBM QFOZBMVSBO EBOB UVOKBOHBOHVSV TFSUJmLBTJ
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NJMJBS
t ,FSKB TBNB EFOHBO JTEJL 1SPW +BCBS UFSLBJU EFOHBO QFOZBMVSBO BOUVBO 4PTJBM 1FOEBNQJOHBO TFOJMBJ
3Q
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EBMBN IBM
QFNCBZBSBO UBCVOHBO IBSJ UVB
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QFOZBMVSBO EBOB QFOTJVO TFMBNB UBIVO BEBMBI TFCFTBS3Q
NJMJBS
Tren Pertumbuhan Tabungan bank bjb Periode 2012 s.d 2014
5SFOESPXUI4BWJOHTCBOL
bjb
QFSJPEVOUJM
BulanMonth 1
2 3
4 5
6 7
8 9
10 11
12
5BCVOHBO4BWJOHT 1FSUVNCVIBOSPXUI
5BCVOHBO4BWJOHT 1FSUVNCVIBOSPXUI
5BCVOHBO4BWJOHT 1FSUVNCVIBOSPXUI
TabunganSavings 2014 PertumbuhanGrowth
2014
Rata-Rata Pertumbuhan Average Growth
DBO OPU CF TFQBSBUFE GSPN UIF PNQBOZT TVDDFTT JO JNQMFNFOUJOH POF PG UIF 4JY .BJO 4USBUFHZ 1JMMBST
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7BSJPVT QSPNPUJPOT
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t 1FUJLBEJBICBOL
bjb
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bjb
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t FCZBSLIJS5BIVOQSPHSBN 4BWJOHTOUFSFTUJOUIFTBNF -FWFMXJUIFQPTJUOUFSFTU
t BEJBI4BOH+VBSB
bjb
UBOEBNBUB.ZJSTU
QSPHSBN O BEEJUJPO
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CBOL
bjb
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t 8JUI.JOJTUSZPGEVDBUJPOBOEVMVUSFJOUIFEJTUSJCVUJPO PGBMMPXBODFTPGUFBDIFSTGVOET DFSUJmFE
JOUIFBNPVOU
3QUSJMMJPOJOUIFQFSJPE t PPQFSBUJPOXJUIUIFEVDBUJPOFQBSUNFOUPG8FTU+BWB
BOEBOUFO1SPWJODFSFMBUFEUPUIFEJTUSJCVUJPOPGTDIPPM PQFSBUJPOTGVOETJOUIFBNPVOUPG3QUSJMMJPOJOUIF
QFSJPE t PPQFSBUJPO XJUI UIF EVDBUJPO FQBSUNFOU PG 8FTU
+BWB 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG PPL 4PDJBM TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO
t PPQFSBUJPOXJUIUIFEVDBUJPOFQBSUNFOUPG8FTU+BWB 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG .FOUPSJOH 4PDJBM
TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO t PPQFSBUJPO XJUI 15 541 1FSTFSP
JO UFSNT PG UIF
QBZNFOUT PG SFUJSFNFOU QMBO
.VMUJHVOB BOE QFOTJPO SFUJSFNFOU QMBO UISPVHI UIF CBOLT BDDPVOUT 5IF UPUBM
EJTUSJCVUJPO PG QFOTJPO GVOET EVSJOH XBT JO UIF BNPVOUPG3QCJMMJPO
FINANCIAL REVIEW
220
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
TabunganSavings 2012 TabunganSavings 2014
TabunganSavings 2013
Tren Tabungan Trend of Savings
Jan Feb
Mar Apr
May Jun
Jul Aug
Sep Oct
Nov Dec
Giro
JSPNFOJOHLBUTFCFTBS3Q
USJMJVOBUBV
NFOKBEJ 3Q
USJMJVO EJ UBIVO EBSJ TFCFMVNOZB TFCFTBS
3Q
USJMJVO EJUBIVO LFOBJLBO JOJ UFSMFQBT EBSJ LFCJKBLBO QFNFSJOUBI EBFSBI ZBOH NFOHJOTUSVLTJLBO XBKJC
QBKBL VOUVL NFMBLVLBO QFNCBZBSBO QBKBL CVNJ CBOHVOBO EBOLFOEBSBBOCFSNPUPSNFMBMVJCBOLQFNCBOHVOBOEBFSBI
Tren Pertumbuhan Giro Konsumer bank bjb Periode 2012 s.d 2014
SPXUI5SFOEPGPOTVNFSFNBOEFQPTJUTPGCBOLT
bjb
QFSJPEVOUJM
BulanMonth 1
2 3
4 5
6 7
8 9
10 11
12
JSPFNBOEFQPTJUT 1FSUVNCVIBOSPXUI
JSPFNBOEFQPTJUT 1FSUVNCVIBOSPXUI
GiroDemand Deposits 2014 203.681
182.649 214.109
197.218 218.156
231.064 200.232
209.002 216.075
193.887 187.552
330.841 PertumbuhanGrowth 2014
-40,00 -10,33
17,22 -7,89
10,62 5,92
-13,34 4,38
3,38 -10,27
-3,27 76,40
Rata-Rata Pertumbuhan Average Growth
-39,95 -1,68
-1,90 -2,39
5,15 19,50
-7,24 11,14
13,57 -17,05
0,31 82,56
GiroDemand Deposits 2012 GiroDemand Deposits 2013
GiroDemand Deposits 2014
Tren Giro Non-Konsumer Demand Deposits Non-Consumer Trend
Jan Feb
Mar Apr
May Jun
Jul Aug
Sep Oct
Nov Dec
Demand Deposits
FNBOE EFQPTJUT JODSFBTFE CZ 3Q USJMMJPO PS UP 3Q CJMMJPO JO DPNQBSFE UP UIF QSFWJPVT ZFBS
XIJDIBNPVOUFEUP3QCJMMJPOJOUIJTJODSFBTFJT SFHBSEMFTT UP UIF MPDBM HPWFSONFOU QPMJDZ UIBU JOTUSVDUT UBY
QBZFST UP QBZ MBOE BOE CVJMEJOH BOE NPUPS WFIJDMF UBYFT UISPVHIUIFSFHJPOBMEFWFMPQNFOUCBOL
TINJAUAN KEUANGAN
221
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Trend Pertumbuhan Giro Non Konsumer bank bjb Periode 2012 s.d 2014
SPXUI5SFOEPGPOPOTVNFSFNBOEFQPTJUTPGCBOLTCKCQFSJPEVOUJM
BulanMonth 1
2 3
4 5
6 7
8 9
10 11
12
JSPFNBOEFQPTJUT 1FSUVNCVIBOSPXUI
JSPFNBOEFQPTJUT 1FSUVNCVIBOSPXUI
GiroDemand Deposits 2014 PertumbuhanGrowth 2014
Rata-Rata Pertumbuhan Average Growth
ProyeksiProjection 2015
3FBMJTBTJ+VMJEJUBNCBILBOEFOHBO6ZBOHNBTVLQBEBBXBMHVTUVT DUVBM+VMZJTBEEFEUPUIFJODPNJOH6BUUIFCFHJOOJOHPGVHVTU
Trend Giro non-Konsumer Demand Deposits Non-Consumer Trend
GiroDemand Deposits 2015 GiroDemand Deposits 2014
GiroDemand Deposits 2013 GiroDemand Deposits 2012
Jan Feb
Mar Apr
May Jun
Jul Aug
Sep Oct
Nov Dec
Deposito
FQPTJUP CFSKBOHLB NFOHBMBNJ LFOBJLBO TFCFTBS NFOKBEJ 3Q
USJMJVO EJ UBIVO EBSJ TFCFMVNOZB
3Q
USJMJVO ,FTUBCJMBO BOHLB EFQPTJUP CFSKBOHLB JOJ EJTFCBCLBO EJBOUBSBOZB PMFI VTBIB 0UPSJUBT +BTB
,FVBOHBO 0+,
NFOJOHLBULBOVQBZBQFOHBXBTBOUFSIBEBQ QFOHIJNQVOBO EBOB EBO MJLVJEJUBT QFSCBOLBO 6QBZB
JOJ EJUVKVLBO VOUVL NFODFHBI EBNQBL OFHBUJG UFSKBEJOZB QFSTBJOHBOTVLVCVOHBEBOBQFSCBOLBOTBBUJOJ1FOHBXBT
CBOLNFOHBXBTJNBLTJNVNTVLVCVOHBBOB1JIBL,FUJHB 1,
ZBOH EJCFSJLBO .FOJOHLBUOZB QFSTBJOHBO VOUVL
NFNQFSPMFIBO1,EJQFSCBOLBOTBBUJOJUFMBINFOEPSPOH QFSCBOLBO VOUVL NFNQFSFCVULBO 1, NFMBMVJ QFSTBJOHBO
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EBOTVLVCVOHBQFOKBNJOBO
-14
4VLVCVOHBLSFEJUKVHBUFSVTNFOJOHLBUTFCBHBJ EBNQBL EBSJ NFOJOHLBUOZB TVLV CVOHB 1,
ZBOH QBEB
HJMJSBOOZB NFNJMJLJ QFOHBSVI LFQBEB UJOHLBU QFSUVNCVIBO LSFEJUTFDBSBOBTJPOBM
FINANCIAL REVIEW
Time Deposits
5JNF EFQPTJUT JODSFBTFE CZ UP 3Q CJMMJPO JO GSPN QSFWJPVTMZ 3Q USJMMJPO 5IF TUBCJMJUZ PG UIF
OVNCFSPGUJNFEFQPTJUTJTEVFUPBNPOHPUIFSTUIFFGGPSUT PG UIF JOBODJBM 4FSWJDFT VUIPSJUZ 0+,
JO JODSFBTJOH JUT
NPOJUPSJOHFGGPSUTUPXBSEGVOETSBJTJOHBOECBOLMJRVJEJUZ5IJT FGGPSUJTJOUFOEFEUPQSFWFOUUIFOFHBUJWFFGGFDUTPGUIFDVSSFOU
CBOLJOHTJOUFSFTUSBUFDPNQFUJUJPOBOLTVQFSWJTPSTPWFSTFF UIFNBYJNVNJOUFSFTUSBUFTHJWFOUPEFQPTJUT5IFJODSFBTFE
DPNQFUJUJPOUPPCUBJOUIJSEQBSUZGVOET 1,
IBTQSPNQUFE CBOLT UP DPNQFUF JO BDRVJSJOH UIJSE QBSUZ GVOET UISPVHI
DPNQFUJUJPOJOQSPWJEJOHGVOEJOHSBUFBOBDDPSEBODFUPUIF OEPOFTJBOBOLJOH4UBUJTUJDT 41
UIFJOUFSFTUSBUFTUSFOEGPS
CBOLJOHTUISJEQBSUZGVOETVQUPBQPTJUJPOJO+VMZIBT DPOUJOVFEUPJODSFBTFBOEBCPWFUIFTCFODINBSLJOUFSFTU
SBUF
BOE-14JOUFSFTUSBUF
-FOEJOHSBUFTBMTP DPOUJOVFEUPJODSFBTFBTUIFJNQBDUPGSJTJOHJOUFSFTUSBUFTJO
UIJSEQBSUZGVOET
XIJDIJOUVSOIBTBOJOnVFODFPOUIFMFWFMPG DSFEJUHSPXUIOBUJPOBMMZ
222
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Tren Pertumbuhan Deposito Konsumer bank bjb Periode 2012 - 2014
SPXUI5SFOEPGPOTVNFS5JNFFQPTJUTPGCBOL
bjb
1FSJPE
BulanMonth 1
2 3
4 5
6 7
8 9
10 11
12
FQPTJUP5JNFFQPTJUT 1FSUVNCVIBOSPXUI
FQPTJUP5JNFFQPTJUT 1FSUVNCVIBOSPXUI
DepositoTime Deposits 2014 3.844.195
4.074.191 4.258.607
4.137.339 3.992.868
3.824.381 3.691.295
3.980.057 4.033.140
3.898.788 3.906.235
4.149.917 PertumbuhanGrowth 2014
2,20 5,98
4,53 -2,85
-3,49 -4,22
-3,48 7,82
1,33 -3,33
0,19 6,24
Rata-rata Pertumbuhan Average Growth
-1,06 -2,60
-2,13 1,65
-3,84 -2,25
-3,07 2,23
3,36 2,03
3,15 11,72
ProyeksiProjection 2015 4.063.649
4.489.330 4.876.905
4.610.451 4.490.666
4.271.588 4.137.292
4.607.588 4.641.700
4.356.799 4.322.696
4.454.726
Tren Deposito Konsumer Trend of Consumer Time Deposits
ProyeksiProjection 2015 DepositoTime Deposits 2014
DepositoTime Deposits 2013 DepositoTime Deposits 2012
Jan Feb
Mar Apr
May Jun
Jul Aug
Sep Oct
Nov Dec
Trend Pertumbuhan Deposito Non Konsumer bank bjb Periode 2012 - 2014
SPXUI5SFOEPGPOPOTVNFS5JNFFQPTJUTPGCBOL
bjb
1FSJPE
BulanMonth 1
2 3
4 5
6 7
8 9
10 11
12
FQPTJUP5JNFFQPTJUT 1FSUVNCVIBOSPXUI
FQPTJUP5JNFFQPTJUT 1FSUVNCVIBOSPXUI
DepositoTime Deposits 2014 21.702.464
25.732.200 28.211.018
31.602.396 29.212.160
24.704.067 26.980.315
29.173.744 24.013.650
28.946.527 28.316.211
14.888.904 PertumbuhanGrowth 2014
43,04 18,57
9,63 12,02
-7,56 -15,43
9,21 8,13
-17,69 20,54
-2,18 -47,42
Rata-rata Pertumbuhan Average Growth
11,73 9,45
7,85 10,66
2,29 -6,35
1,11 -2,21
-0,88 14,35
-5,32 -33,36
Tren Deposito Non-Konsumer Trend of Non Consumer Time Deposits
DepositoTime Deposits 2014 DepositoTime Deposits 2013
DepositoTime Deposits 2012
Jan Feb
Mar Apr
May Jun
Jul Aug
Sep Oct
Nov Dec
TINJAUAN KEUANGAN
223
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Program Realisasi Dana pada tahun 2014 Rp
Funds Realization on 2014 Rp Programs
5BCVOHBOBSJ5VB
5BCVOHBOBSJ5VB.VMUJHVOBEBO 1FOTJVO
USJMJVO 4BWJOHT3FUJSFNFOU
3FUJSFNFOU4BWJOHTBOE3FUJSFNFOU
.VMUJQVSQPTF BOUVBO0QFSBTJPOBM4FLPMBI 04
USJMJVO 4DIPPM0QFSBUJPOBMTTJTUBODF 04
BOUVBO4PTJBMVLV NJMJBS
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NJMJBS 4PDJBMTTJTUBODF
BOB4FSUJmLBTJVSV USJMJVO
VOE5FBDIFSFSUJmDBUJPO
Uraian 31 DesemberDecember 31
Descriptions 2010
2011 2012
2013 2014
Giro Demand Deposit
3VQJBI 3VQJBI
.BUB6BOHTJOH PSFJHOVSSFODZ
+VNMBIJSP 5PUBMFNBOEFQPTJUT
Tabungan Rupiah Savings Account - Rupiah
5BOEBNBUB 5BOEBNBUB
4JNQFEB 4JNQFEB
5BOEBNBUBBKJ 5BOEBNBUBBKJ
5BOEBNBUBPME 5BOEBNBUBPME
5BOEBNBUBJTOJT 5BOEBNBUBJTOJT
5BOEBNBUBFSKBOHLB 5BOEBNBUBFSKBOHLB
5BCVOHBO8BEJBI 5BCVOHBO8BEJBI
5BCVOHBO.VEIBSBCBI 5BCVOHBO.VEIBSBCBI
5BCVOHBO,V 5BCVOHBO,V
5BOEBNBUB1VSOBCBLUJ 5BOEBNBUB1VSOBCBLUJ
5BCVOHBOLVJ 5BCVOHBOLVJ
5BCVOHBO1FMBKBS 5BCVOHBO1FMBKBS
5BCVOHBO8BKJC,IVTVT 5BCVOHBO8BKJC,IVTVT
5BCVOHBOJOBTOTUBOTJ 5BCVOHBOJOBTOTUBOTJ
5BCVOHBO.BTZBSBLBU 5BCVOHBO.BTZBSBLBU
5BCVOHBO,PUBL 5BCVOHBO,PUBL
5BCVOHBO-BJOMBJO 5BCVOHBO-BJOMBJO
5BCVOHBO5BNBTZB 5BCVOHBO5BNBTZB
5BCVOHBOOBL4FLPMBI 5BCVOHBOOBL4FLPMBI
5BCVOHBO.VEIBSBCBI 5BCVOHBO.VEIBSBCBI
5BCVOHBOBKJ.VEIBSBCBI 5BCVOHBOBKJ.VEIBSBCBI
5BOEBNBUBPMMBS 5BOEBNBUBPMMBS
+VNMBI5BCVOHBO 5PUBM4BWJOHTDDPVOU
Deposito Berjangka Time Deposits
3VQJBI 3VQJBI
.BUB6BOHTJOH PSFJHOVSSFODZ
+VNMBIFQPTJUPFSKBOHLB 5PUBM5JNFFQPTJUT
Jumlah 31.953.462
39.042.777 50.607.925
47.220.701 53.487.890
Total
ARUS KAS
SVT ,BT FSTJI ZBOH EJQFSPMFI EBSJ BLUJWJUBT PQFSBTJ CBOL
bjb
TFMBNB UBIVO NFODBQBJ 3Q
USJMJVO SVT LBT UFSTFCVU UFSVUBNB EJHVOBLBO VOUVL QFOZBMVSBO LSFEJU
EBO QFNCJBZBBO TZBSJBI TFCFTBS 3Q
USJMJVO
EJNBOB QFOZBMVSBOUFSTFCVUEJJNCBOHJPMFITJNQBOBOHJSPOBTBCBI
TFCFTBS3Q
USJMJVOJUBNCBIEFOHBOTJNQBOBOMBJOOZB ZBJUV5BCVOHBOTFCFTBS3QNJMJBSEBOFQPTJUPFSKBOHLB
3Q
USJMJVO
UPUBMTJNQBOBOOBTBCBINFODBQBJ3Q USJMJVO
CASH FLOWS
FUDBTInPXTGSPNPQFSBUJPOBMBDUJWJUJFTPGCBOL
bjb
EVSJOH BNPVOUFE UP 3Q USJMMJPO BTI nPXT XFSF NBJOMZ
VTFEGPSDSFEJUEJTCVSTFNFOUBOETIBSJBmOBODJOHPG3Q USJMMJPO
DPNQFOTBUFECZSFDFJQUPGDVSSFOUBDDPVOUEFQPTJUT
GSPNDVTUPNFSTPG3QUSJMMJPO8JUIUIFBEEJUJPOPGPUIFS DVTUPNFSEFQPTJUT
OBNFMZTBWJOHTBDDPVOUTPG3QCJMMJPO
BOEUJNFEFQPTJUTPG3QUSJMMJPO
UPUBMDVTUPNFSEFQPTJU BNPVOUFEUP3Q
USJMMJPO
FINANCIAL REVIEW
224
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
SVT ,BT FSTJI ZBOH EJQFSPMFI EBSJ BLUJWJUBT JOWFTUBTJ NFODBQBJ 3Q
USJMJVO
BUBV NFOHBMBNJ QFOVSVOBO EBSJ
UBIVOZBOHNFODBQBJTFCFTBS3Q
USJMJVO
SVT,BTFSTJIZBOHEJHVOBLBOVOUVLBLUJWJUBTQFOEBOBBO EJ UBIVO NFODBQBJ 3Q
USJMJVO
EJNBOB QPSTJ
UFSCFTBSEJHVOBLBOVOUVLQFNCBZBSBOFGFLFGFLZBOHEJKVBM EFOHBOKBOKJEJCFMJLFNCBMJTFCFTBS3QNJMJBSEBOEJWJEFO
LBTTFCFTBS3QNJMJBS
RASIO-RASIO
Rasio Kecukupan Modal Capital Adequacy Ratio
JUBIVO
1FSVTBIBBONFODBUBUSBTJPLFDVLVQBONPEBM LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN
Capital Adequacy Ratio
BUBV 3
CFSVCBI UJEBL TJHOJmLBO EJ BOHLB EJ EBSJ
EJ UBIVO OHLB UFSTFCVU EJ BUBT
LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN NFOVSVU ZBJUV TFCFTBS
Rasio-rasio Keuangan
Financial Ratios Uraian
2010 2011
2012 2013
2014 Description
3 3
30 30
30 30
. .
1-3044 1-3044
1-5 1-5
010 010
-3 -3
TFU1SPEVLUJGFSNBTBMBI5FSIBEBQ 5PUBMTFU1SPEVLUJG
1SPEVDUJWFPO1FSGPSNJOHTTFUTUP 5PUBMBSOJOHTTFUT
TFU5FUBQ5FSIBEBQ.PEBM JYFETTFUTUPBQJUBM
Marjin Pendapatan Bunga Bersih - Net Interest Margin NIM
.BSKJOQFOEBQBUBOCVOHBCFSTJI1FSVTBIBBO .
NFOHBMBNJ QFOVSVOBONFOKBEJ
EJUBIVOEJCBOEJOHLBOUBIVO
ZBJUVTFCFTBS
EJUBIVO1FOVSVOBOUFSTFCVU UFSVUBNB EJTFCBCLBO BEBOZB LFOBJLBO
cost of fund ZBOH
TFNVMB
EJUBIVONFOKBEJ
EJUBIVO
Imbal Hasil Rata-rata Ekuitas - Return On Equity
Return On Equity 30
QBEB UBIVO NFOHBMBNJ
QFOVSVOBO NFOKBEJ
EJCBOEJOHLBO UBIVO TFCFMVNOZB TFCFTBS
1FOVSVOBO UFSTFCVU UFSVUBNB EJTFCBCLBO
PMFIBEBOZBQFOVSVOBOMBCBCFSTJITFCFTBS
EJUBIVO FU DBTI nPXT GSPN JOWFTUNFOU BDUJWJUJFT BNPVOUFE UP
3Q
USJMMJPO
EPXOGSPNUIFDPSSFTQPOEJOHBNPVOUJO PG3QUSJMMJPO
FUDBTInPXTVTFEJOGVOEJOHBDUJWJUJFTJOBNPVOUFE UP3QUSJMMJPO
XJUIUIFCVMLPGUIFBNPVOUSFQSFTFOUJOH
QBZNFOU PG TFDVSJUJFT TPME VOEFS SFQVSDIBTF BHSFFNFOU JO UIF BNPVOU PG 3Q CJMMJPO BOE EJTUSJCVUJPO PG DBTI
EJWJEFOETPG3QCJMMJPO
RATIOS
Capital Adequacy Ratio
O
UIFPNQBOZSFDPSEFEUIFBQJUBMEFRVBDZ3BUJP 3
UIBUEJEOPUDIBOHFTJHOJmDBOUMZJOUIFmHVSFJO
GSPNJO5IJTmHVSFJTBCPWFUIFNJOJNVN DBQJUBMSFRVJSFNFOUBDDPSEJOHUP
XIJDIJT
Net Interest Margin NIM
5IFPNQBOZTOFUJOUFSFTUNBSHJO .
EFDSFBTFEUP JODPNQBSFEUPJOUIFBNPVOUPGJO5IF
EFDSFBTFXBTQSJNBSJMZEVFUPBOJODSFBTFJOUIFDPTUPGGVOET XIJDIXBTPSJHJOBMMZJOUPJO
Return On Equity
3FUVSO 0O RVJUZ 30
JO EFDSFBTFE UP DPNQBSFEUPUIFQSFWJPVTZFBSXIJDIBNPVOUFEUP
5IFEFDSFBTFXBTQSJNBSJMZEVFUPBEFDSFBTFJOOFUJODPNF CZJO
TINJAUAN KEUANGAN
225
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
Imbal Hasil Aset - Return on Asset
Return On Asset QBEBUBIVONFOVSVOTFCFTBS
NFOKBEJ
EJCBOEJOHLBOUBIVOTFCFMVNOZBZBOHTFCFTBS 1FOJOHLBUBOUFSTFCVUEJTFCBCLBOPMFILFOBJLBOMBCB
CFSTJIZBOHMFCJISFOEBIEJCBOEJOHLBOLFOBJLBOKVNMBIBTFU
INFORMASI KEUANGAN BANK BJB 2014 YANG MENGANDUNG KEJADIAN LUAR BIASA
4FMBNB UBIVO UJEBL UFSEBQBU LFKBEJBO MVBS CJBTB ZBOH CFSLBJUBOEFOHBOJOGPSNBTJLFVBOHBO
PENCAPAIAN TARGET 2014
4FMBNB UBIVO QFODBQBJBO UBSHFU NFODBQBJ TFTVBJ EFOHBO IBSBQBO
TBMBI TBUV
concern 1FSTFSPBO ZBLOJ
QFOJOHLBUBO OJMBJ 1- ZBOH EBNQBLOZB QBEB QFOVSVOBO -BCB1FSTFSPBO
No. Uraian
Target 2014
Rp miliar kecuali rasio-
rasio keuangan Rp billion except
ÀQDQFLDOUDWLRV Realisasi
Realisation 2014
Rp miliar kecuali rasio-
rasio keuangan Rp billion except
ÀQDQFLDOUDWLRV Pencapaian
Achievement 2014
Persentase Percentage
Description
1FOEBQBUBOVOHB OUFSFTUODPNF
1FOEBQBUBO0QFSBTJPOBM4FMBJOVOHB 0QFSBUJPOBMODPNF0UIFS5IBOOUFSFTU
Total Pendapatan Operasional 8.035
9.501 118,25
Total Operational Income
FCBOVOHB OUFSFTUYQFOTFT
FCBO6TBIBTFMBJOFCBOVOHB 0QFSBUJPOBMYQFOTFT0UIFS5IBOOUFSFTU
Total Beban Usaha 6.774
8.241 121,66
Total Operational Expenses Pendapatan Usaha Bersih
1.261
1.260 99,92
Net Operational Income
-BCB4FCFMVN1BKBL ODPNFFGPSF5BY
-BCBFSTJI FUODPNF
3BTJP3BTJP,FVBOHBO JOBODJBM3BUJPT
30 30
30 30
. .
JBZBBOB PTUPGVOE
3BTJPJBZBUFSIBEBQ1FOEBQBUBO PTUUPODPNF3BUJP
1-SPTT SPTT1-
JBZB,SFEJU SFEJUPTU
3BTJP4 43BUJP
3 3
INFORMASI KEUANGAN MATERIAL LAINNYA
Obligasi bank bjb yang Masih Beredar
0CMJHBTJ7CBOL
bjb
5BIVOEFOHBOKVNMBIQPLPL PCMJHBTJTFCFTBS3Q
TBUVUSJMJVOUVKVI
SBUVTEVBQVMVIFNQBUNJMJBS3VQJBI
1FSJOHLBUJEEBSJ 1FmOEP
UFSEJSJEBSJ
FINANCIAL REVIEW
Return on Asset
3FUVSO PO TTFUT JO EFDSFBTFE CZ UP DPNQBSFEUPUIFQSFWJPVTZFBSXIJDIBNPVOUFEUP5IF
JODSFBTFXBTEVFUPBOJODSFBTFJOOFUJODPNFUIBUJTMPXFS UIBOUIFJODSFBTFJOUPUBMBTTFUT
FINANCIAL INFORMATION OF BANK BJB CONTAINING UNUSUAL EVENTS
VSJOH UIFSF XFSF OP VOVTVBM FWFOUT SFMBUFE UP UIF mOBODJBMJOGPSNBUJPO
2014 TARGET ACHIEVEMENT
VSJOH
UBSHFUBDIJFWFNFOUJTJOMJOFXJUIUIFFYQFDUBUJPOT POF PG UIF DPODFSOT PG UIF PNQBOZ JT UIF JODSFBTJOH 1-
XIJDINBZSFEVDFUIFPNQBOZTQSPmUT
OTHER MATERIAL FINANCIAL INFORMATION
Outstanding bank bjb Bonds
CBOL
bjb
POE7PGXJUIBUPUBMOPNJOBMWBMVFPG 3Q
POF USJMMJPO TFWFO IVOESFE BOE
UXFOUZ GPVS CJMMJPO 3VQJBI
3BOLFE JE GSPN 1FmOEP DPOTJTUJOHPG
226
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
t 4FSJ EFOHBO
OJMBJ OPNJOBM
TFCFTBS 3Q
FOBNSBUVTTBUVNJMJBS3VQJBI
0CMJHBTJ JOJ NFNJMJLJ UJOHLBU CVOHB UFUBQ TFCFTBS QFSUBIVOZBOHBLBOKBUVIUFNQPQBEBUBOHHBM
FCSVBSJ
t 4FSJ EFOHBO
OJMBJ OPNJOBM
TFCFTBS 3Q
TBUVUSJMJVOTFSBUVTEVBQVMVI
UJHBNJMJBS3VQJBI
0CMJHBTJJOJNFNJMJLJUJOHLBUCVOHB UFUBQ TFCFTBS
QFS UBIVO ZBOH BLBO KBUVI
UFNQPQBEBUBOHHBMFCSVBSJ
Kemampuan Membayar Obligasi
+VNMBI0CMJHBTJZBOHUFSIVUBOHQFSFTFNCFSBEBMBI 3QNJMJBS
QFSFTFNCFSCBOL
bjb
NFNQFSPMFI QFSJOHLBUJEEBSJ151FNFSJOHLBUGFLOEPOFTJB 1FmOEP
3JODJBOPCMJHBTJEBQBUEJMJIBUQBEBUBCMFCFSJLVU 0CMJHBTJ
POET 0CMJHBTJ
POE 4FSJ
4FSJFT PNJOBM
3QKVUB 3QNJMMJPO
5JOHLBUVOHB QFSUBIVO
OUFSFTUQFSZFBS +BOHLB
8BLUV 1FSJPE
1FSJOHLBU 3BUJOH
5BOHHBM GFLUJG
BQFQBN FGGFDUJWFBUF
+BUVI5FNQP VFBUF
0CMJHBTJ7CBOL
bjb
5BIVO POE7CBOL
bjb
:FBS 4FSJ
4FSJFT 3Q
UBIVOZFBS JE
4FSJ 4FSJFT
3Q UBIVOZFBS
JE
4FTVBJEFOHBOLFQVUVTBOEBSJ151FNFSJOHLBUGFLOEPOFTJB 10
ZBOHEJDBOUVNLBOQBEBTVSBUP1JS
9QBEBUBOHHBMPWFNCFS
NFOFUBQLBOCBIXB CBOL
bjb
CFSBEBQBEB rating
JE Double
A Minus Negative
Outlook VOUVLQFSJPEFPWFNCFSTBNQBJEFOHBO
PWFNCFS 1FSJOHLBU JE NFNJMJLJ EFmOJTJ CBIXB PCMJHPSNFNJMJLJTFEJLJUQFSCFEBOEFOHBOQFSJOHLBUUFSUJOHHJ
ZBOH EJCFSJLBO
EBO NFNJMJLJ LFNBNQVBO ZBOH TBOHBU LVBU VOUVL NFNFOVIJ LPNJUNFO LFVBOHBO KBOHLB QBOKBOH
SFMBUJG EJCBOEJOHLBO UFSIBEBQ PCMJHPS OEPOFTJB MBJOOZB FmOJTJUBOEBLVSBOH
NFOVOKVLBOCBIXBQFSJOHLBUZBOH
EJCFSJLBOSFMBUJGMFNBIEBOEJCBXBISBUBSBUBLBUFHPSJZBOH CFSTBOHLVUBO
Permodalan
Kebijakan atas Struktur Modal
OHHBSBOEBTBSTFTVBJEFOHBOBLUB3614-OPNPSUBOHHBM +VMJMBCBQFSVTBIBBOEJHVOBLBOVOUVLDBEBOHBOEBO
EJWJEFO ZBOH NBTJOHNBTJOH CFTBSBOOZB EJUFUBQLBO EBMBN 3614UBIVOBOEFOHBONFNQFSIBUJLBOQFSBUVSBOQFSVOEBOH
VOEBOHBOZBOHCFSMBLV
TINJAUAN KEUANGAN
t 4FSJFTXJUIBOPNJOBMWBMVFPG3Q TJYIVOESFEBOEPOFCJMMJPO3VQJBI
5IJTCPOEIBTB
mYFEJOUFSFTUSBUFPGQFSBOOVNBOEXJMMNBUVSF POFCSVBSZ
t 4FSJFTXJUIBOPNJOBMWBMVFPG3Q POF USJMMJPO POF IVOESFE BOE UXFOUZ UISFF CJMMJPO
3VQJBI
5IJTCPOEIBTBmYFEJOUFSFTUSBUFPG QFSBOOVNBOEXJMMNBUVSFPOFCSVBSZ
Bonds Paying Ability
5PUBM CPOET QBZBCMF BT PG FDFNCFS JT 3Q CJMMJPOCBOL
bjb
IBTPCUBJOFEBCPOESBUJOHPGJEGSPN 15 1FNFSJOHLBU GFL OEPOFTJB 1FmOEP
BT TFFO JO UIF
GPMMPXJOHUBCMF
O BDDPSEBODF XJUI UIF EFDJTJPO PG 15 1FNFSJOHLBU GFL OEPOFTJB 10
TUBUFE PO UIF MFUUFS P 1JS
9EBUFEPWFNCFS
EFUFSNJOFEUIBUCBOL
bjb
JT JOUIFSBUJOHPGJE PVCMF.JOVTFHBUJWF0VUMPPL
GPS
UIFPWFNCFSUPPWFNCFSQFSJPE5IFJE SBUJOHIBTBEFmOJUJPOUIBUUIFPCMJHPSIBTBTMJHIUEJGGFSFODF
XJUIUIFIJHIFTUSBOLHJWFO
BOEIBTBWFSZTUSPOHBCJMJUZUP NFFUUIFSFMBUJWFMPOHUFSNmOBODJBMDPNNJUNFOUTDPNQBSFE
UPPUIFSOEPOFTJBOPCMJHPST5IFEFmOJUJPOPGUIFNJOVTTJHO JOEJDBUFTUIBUUIFSBUJOHTHJWFOJTSFMBUJWFMZXFBLBOECFMPX
UIFBWFSBHFGPSUIFSFMFWBOUDBUFHPSZ
Capitalization
Policy on Capital Structure
5IF BSUJDMFT PG BTTPDJBUJPO JO BDDPSEBODF XJUI UIF . EFFE P EBUFE +VMZ
TUBUFE UIBU UIF DPNQBOZT
QSPmU JT VTFE GPS SFTFSWFT BOE EJWJEFOE
XJUI UIF SFTQFDUJWFBNPVOUTFUPVUJOUIF.XJUIEVFSFHBSEUPUIF
MFHJTMBUJPOTJOGPSDF
227
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
BMBN IBM QFOHHVOBBO EBOB DBEBOHBO
1FSTFSPBO XBKJC NFOZJTJILBO KVNMBI UFSUFOUV EBSJ MBCB CFSTJI TFUJBQ UBIVO
CVLVVOUVLDBEBOHBOTFCBHBJNPEBM1FOZJTJIBOMBCBCFSTJI VOUVL DBEBOHBO EJMBLVLBO TBNQBJ DBEBOHBO NFODBQBJ
QBMJOH TFEJLJU EVB QVMVI QFSTFO
EBSJ KVNMBI NPEBM EJUFNQBULBOEBOEJTFUPS
+JLBKVNMBIDBEBOHBOUFMBINFMFCJIJKVNMBI EVBQVMVI QFSTFO
EBSJ KVNMBI NPEBM EJUFNQBULBO EBO EJTFUPS
3614
EBQBU NFNVUVTLBO BHBS KVNMBI LFMFCJIBO EJHVOBLBO VOUVL LFQFSMVBOJOWFTUPS
1BEB3614UBIVOBOUBIVOCVLV
KVNMBIEJWJEFOZBOH EJCBHJLBO BEBMBI TFCFTBS
TFEBOHLBO EBSJ MBCB
CFSTJIEJTJTJILBOTFCBHBJQFOBNCBIBONPEBM
Struktur Modal
.PEBMJOUJ1FSTFSPBOQBEBUBIVONFOHBMBNJQFOJOHLBUBO TFCFTBS
QBEBQPTJTJ3Q
USJMJVOCJMBEJCBOEJOHLBO
EFOHBO UBIVO QBEB QPTJTJ 3Q
USJMJVO BUBV BLUPS QFOBNCBI LFOBJLBO TFCFTBS
BEBMBI EJBOUBSBOZB
EJTFCBCLBOPMFIBEBOZBLFOBJLBODBEBOHBOVNVNTFCFTBS EBSJ3Q
USJMJVONFOKBEJ3Q
USJMJVO
Pos - Pos Realisasi
31 Des 2013 Rp Juta
Realisasi 31 Des 2014
Rp Million Accounts
I. KOMPONEN MODAL COMPONENTS OF CAPITAL
.0-5 5.737.833
0315- .PEBMJTFUPS
2.424.073 1BJE6QBQJUBM
BEBOHBO5BNCBIBO.PEBM JTDMPTFE3FTFSWFT 3.635.346
4VQQMFNFOUBM3FTFSWFBQJUBM JTDMPTFE3FTFSWFT BLUPS1FOBNCBI
4.027.871 ODSFNFOUBMBDUPST
BHJP4BIBN
823.423
HJP C.PEBM4VNCBOHBO
BQJUBMPOUSJCVUJPO DBEBOHBO6NVN
2.652.671 FOFSBM3FTFSWFT
EBEBOHBO5VKVBO 3FTFSWFT
F-BCB5BIVOMBMV:BOHBQBUJQFSIJUVOHLBO -BTUZFBSFBSOJOHTBOPVOUT
G -BCB5BIVOFSKBMBO:BOHBQBU JQFSIJUVOHLBO
551.777
VSSFOU:FBS1SPmUBOPVOUT H 4FMJTJI-FCJI,BSFOB1FOKBCBSBOMBQPSBO
,FVBOHBO YDFTTFDBVTF5SBOTMBUJPOPG
JOBODJBM4UBUFNFOUT IBOB4FUPSBO.PEBM
FQPTJUVOETBQJUBM J 8BSBO:BOHBQBUJUFSCJULBO
8BSSBOUTBO1VCMJTIFE K 0QTJ4BIBN:BOHBQBUJUFSCJULBOBMBN
3BOHLB1SPHSBN,PNQFOTBTJFSCBTJT4BIBN 4IBSF0QUJPOTBOF1VCMJTIFEJOUIFSBNFXPSL
1SPHSBNNFGPS4UPDLBTFEPNQFOTBUJPO BLUPS1FOHVSBOH
392.525
3FEVDUJPOGBDUPS BJTBHJP
JTBHJP C3VHJ5BIVOUBIVO-BMV:BOHBQBU
JQFSIJUVOHLBO :FBS-PTTOE8IBU:PVBOPVOUTZFBS
FINANCIAL REVIEW
OUIFDBTFPGUIFVTFPGUIFSFTFSWFTGVOE
UIFPNQBOZJT PCMJHFEUPTFUBTJEFBDFSUBJOBNPVOUPGUIFOFUJODPNFGPS
FBDI mTDBM ZFBS BT DBQJUBM SFTFSWFT FU QSPmU GPS SFTFSWFT TIBMMCFBUMFBTU UXFOUZQFSDFOU
PGUIFUPUBMJTTVFEBOE
QBJEVQDBQJUBM
GUIFUPUBMSFTFSWFTFYDFFET UXFOUZQFSDFOU
PGUIFUPUBM JTTVFE BOE QBJEVQ DBQJUBM
UIF .4 NBZ EFDJEF UIBU UIF
FYDFTTPGBNPVOUNBZCFVTFEGPSUIFOFFETPGJOWFTUPST
UUIFOOVBMFOFSBM.FFUJOHPG4IBSFIPMEFSTPGUIFmTDBM ZFBS
UIFEJWJEFOEEJTUSJCVUFEBNPVOUFEUP
XIJMF
PGUIFOFUQSPmUXBTTFUBTJEFBTBEEJUJPOBMDBQJUBM
Capital Structure
5IFDPNQBOZTDPSFDBQJUBMJOJODSFBTFECZBU 3QUSJMMJPODPNQBSFEUPBU3QUSJMMJPO5IFGBDUPS
UIBU JODSFBTF UIF OVNCFS CZ JT BNPOH PUIFST BO JODSFBTFJOUIFHFOFSBMSFTFSWFTBNPVOUJOHUPGSPN
3QUSJMMJPOUP3QUSJMMJPO