Housing Loan and Mortgage International Products

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 BUBV TFDBSB UBIVOBO TFCFTBS ZPZ 3FBMJTBTJ JOnBTJUBIVOBOUFSTFCVUTFEJLJUMFCJIUJOHHJEBSJQFSLJSBBOBOL OEPOFTJB UFSVUBNB LBSFOB MFCJI UJOHHJOZB JOnBTJ LFMPNQPL CBIBO CBIBO NBLBOBO BLJCBU HFKPMBL IBSHB LPNPEJUBT CFSBT EBO CBIBO QPLPL MBJOOZB ZBOH NBTJI UFSKBEJ IJOHHB QFOHIVKVOHUBIVOBNVOEFNJLJBO JOnBTJTFQBOKBOHUBIVO UFUBQ UFSLFOEBMJ QBEB single digit EJUFOHBI UJOHHJOZB UFLBOBOJOnBTJLFMPNQPL administered prices ZBOHCFSTVNCFS EBSJLFOBJLBOIBSHB.CFSTVCTJEJ QFOZFTVBJBOUBSJGUFOBHB MJTUSJL VOUVL LFMPNQPL SVNBI UBOHHB EBO JOEVTUSJ LFOBJLBO IBSHB-1LH EBOQFOZFTVBJBOUBSJGBOHLVUBOVEBSB 5FSKBHBOZBJOnBTJJOUJNFOZFCBCLBOUFSKBHBOZBQFSLFNCBOHBO JOnBTJ ZBOH TFEJLJU MFCJI CBJL EJCBOEJOHLBO EFOHBO JOnBTJ ZPZ OnBTJ JOUJ UFSLFOEBMJ QBEB ZPZ EJUFOHBINFOJOHLBUOZBJOnBTJEBSJTJTJCJBZB cost push BLJCBULFOBJLBOIBSHBLPNPEJUBTZBOHEJBUVSQFNFSJOUBIEBO HFKPMBLIBSHBQBOHBOBQBJBOJOJUJEBLUFSMFQBTEBSJQFSBO LFCJKBLBO BOL OEPOFTJB EBMBN NFOHFMPMB QFSNJOUBBO EPNFTUJL NFOKBHB TUBCJMJUBT OJMBJ UVLBS EBO NFOHBSBILBO FLTQFLUBTJ UBSHFU JOnBTJ TFSUB TFNBLJO CBJLOZB LPPSEJOBTJ LFCJKBLBO QFOHFOEBMJBO JOnBTJ BOUBSB BOL OEPOFTJB EBO 1FNFSJOUBIFSTFMBOHTBUVIBSJTFUFMBIEJVNVNLBOLFOBJLBO IBSHBCBIBOCBLBSNJOZBL . CFSTVCTJEJ PUPSJUBTNPOFUFS EBMBN IBM JOJ BOL OEPOFTJB KVHB NFOHVNVNLBO LFOBJLBOTVLVCVOHBBDVBO rate TFCFTBSCQTNFOKBEJ 4VLVCVOHB lending facility KVHBNFOHBMBNJLFOBJLBO TFCFTBS CQT NFOKBEJ TFNFOUBSB TVLV CVOHB deposit facility UFUBQQBEBMFWFM CFSMBLVFGFLUJGTFKBL PWFNCFS 4FQBOKBOH 3VQJBI NFOHBMBNJ QFSHFSBLBO ZBOH DVLVQ TUBCJM EJNBOB 3VQJBI EJUVUVQ QBEB BOHLB 3Q QFS PMBS NFSJLB TFUFMBI QBEB BLIJS UBIVO UFSDBUBU QBEB3QQFSPMBSNFSJLB BUBVIBOZBUFSEFQSFTJBTJ TFCFTBS 4FNFOUBSBJUV DBEBOHBOEFWJTBQBEBBLIJS UBIVOUFSDBUBUTFCFTBS64 NJMJBS OBJL EBSJQPTJTJ64 NJMJBSZBOHUFSDBUBUEJBLIJS 4FQBOKBOH UBIVO OEFLT BSHB 4BIBN BCVOHBO 4 OEPOFTJBNFOHBMBNJLFOBJLBOTFCFTBS QPJO BUBV OBJL EBSJ UBIVO VSTB TBIBN OEPOFTJB UVNCVI TFKBMBO EFOHBO QFSUVNCVIBO LBQJUBMJTBTJ QBTBS INDONESIAN ECONOMY IN 2014 OnBUJPOJOFDFNCFSJODSFBTFETMJHIUMZNPSFUIBOUIF GPSFDBTUPGBOLOEPOFTJBFDFNCFSJOnBUJPOSFBDIFE NPN PSPOBOBOOVBMCBTJTCZ ZPZ 5IFSFBMJ[BUJPOPG UIFBOOVBMJOnBUJPOJTTMJHIUMZIJHIFSUIBOUIFFTUJNBUFTPGBOL OEPOFTJB NBJOMZ EVF UP IJHIFS JOnBUJPO BT B SFTVMU PG GPPE JOHSFEJFOUTEVFUPUIFWPMBUJMJUZPGDPNNPEJUZQSJDFTPGSJDFBOE PUIFSCBTJDDPNNPEJUJFTUIBUBSFTUJMMHPJOHPOVOUJMUIFFOEPG UIFZFBSFWFSUIFMFTT UISPVHIPVUJOnBUJPOXBTLFQUUP BTJOHMFEJHJUJOnBUJPOBNJEUIFIJHIQSFTTVSFPGBENJOJTUFSFE QSJDFTTPVSDFEGSPNTVCTJEJ[FEGVFMQSJDFIJLF BEKVTUNFOUPG FMFDUSJDJUZUBSJGGTGPSIPVTFIPMETBOEJOEVTUSZ LH-1QSJDF IJLF BOEUIFBEKVTUNFOUPGBJSGSFJHIUSBUFT 5IF NBOBHFE DPSF JOnBUJPO MFE UP B NBOBHFE JOnBUJPO HSPXUIJO XIJDIJTTMJHIUMZCFUUFSUIBOJOnBUJPOJO ZPZ PSFJOnBUJPOXBTVOEFSDPOUSPMBU ZPZ JOUIFGBDFPGSJTJOHJOnBUJPOPGDPTUT DPTUQVTI EVFUPSJTJOH DPNNPEJUZQSJDFTUIBUBSFSFHVMBUFECZUIFHPWFSONFOUBOE UIFWPMBUJMJUZJOGPPEQSJDFT5IJTBDIJFWFNFOUJTJOTFQBSBCMF GSPNUIFSPMFPGBOLOEPOFTJBTQPMJDZUPNBOBHFEPNFTUJD EFNBOE NBJOUBJOJOH FYDIBOHF SBUF TUBCJMJUZ BOE HVJEJOH JOnBUJPO SBUFT FYQFDUBUJPOT BT XFMM BT JNQSPWFNFOUT JO UIF JOnBUJPODPOUSPMQPMJDZDPPSEJOBUJPOCFUXFFOBOLOEPOFTJB BOE UIF PWFSONFOU 0OF EBZ BGUFS UIF BOOPVODFNFOU PG GVFM PJM . QSJDF JODSFBTF UIF NPOFUBSZ BVUIPSJUZ JO UIJT DBTFBOLOEPOFTJB BMTPBOOPVODFEBOJODSFBTFJOJUT CFODINBSLJOUFSFTUSBUF SBUF CZCQTUP-FOEJOH GBDJMJUZJOUFSFTUSBUFTBMTPSPTFCZCQTUP XIJMFUIF EFQPTJU GBDJMJUZ SBUFT SFNBJOFE BU FGGFDUJWF GSPN PWFNCFS 5ISPVHIPVU UIF 3VQJBI IBT B GBJSMZ TUFBEZ NPWFNFOU JOXIJDIUIFSVQJBIDMPTFEBU3Q QFS64PMMBSmHVSF BGUFSUIFFOEPGXIJDIXBTSFDPSEFEBU3Q QFS 64PMMBS PSPOMZEFQSFDJBUFECZ.FBOXIJMF GPSFJHO FYDIBOHFSFTFSWFTBUUIFFOEPGTUPPEBU64 CJMMJPO VQGSPN64CJMMJPOSFDPSEFEBUUIFFOE PG 5ISPVHIPVUUIFOEPOFTJBO9PNQPTJUFOEFY 4 JODSFBTFE CZ QPJOUT VQ GSPN 5IF OEPOFTJBO TUPDL NBSLFU JT HSPXJOH JO MJOF XJUI UIF HSPXUI JO NBSLFU DBQJUBMJ[BUJPO EEJUJPO PG NBSLFU DBQJUBMJ[BUJPO 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 EBO JMJQJOB 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 JOEFY XJUI B HSPXUI PGOUIFTJBOSFHJPO UIFBDIJFWFNFOUPGUIF4 JT JO UIF UPQ GPVS BGUFS UIF 4IBOHIBJ JOEFY XJUI B SFUVSO 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 BTXFMMBTUIJSEQBSUZ GVOETXIJDIXBTBCMFUPHSPXVQUP :P: UIVTUIF -3SBUJPXBTSFDPSEFEBU5IFSBUFPGDSFEJUHSPXUI SBUF TMJHIUMZ EFDSFBTFE DPNQBSFE UP XIJDI QPTUFE B DSFEJUHSPXUIPGPGBUUIFFOEPGUIFZFBS XIJMFUIJSE QBSUZ GVOET BNPVOUJOH UP CVU UIF QFSGPSNBODF JT TUJMMRVJUFFODPVSBHJOH.PSFPWFS DSFEJUHSPXUIJTBMTPPGGTFU CZUIFHSPTT1-mHVSFUIBUJTTUJMMNBJOUBJOFEBUBMPXMFWFM PG 4JNJMBSMZ JO UFSNT PG QSPmUBCJMJUZ PG UIF CBOLJOH TFDUPS BT SFnFDUFE JO UIF 3FUVSO PO TTFUT 30 mHVSF PG XIJMFEVFUPSJTJOHJOUFSFTUSBUFT OFUJOUFSFTUNBSHJO . TMJHIUMZXFBLFOFEUPDPNQBSFEUPPG YQFOTFUPJODPNF 30 SBUJPXBTBMTPQPTUFEBOJODSFBTF SFBDIJOHDPNQBSFEUPBUUIFFOEPGO UFSNTPGDBQJUBM UIFBQJUBMEFRVBDZ3BUJP 3 .JOJNVN PNQMJBODF JO TIPXFE BO VQXBSE USFOE UP DPNQBSFEUPUIFFOEPGXIJDIBNPVOUFEUP 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 5IF TMPXJOH FDPOPNJD HSPXUI QIFOPNFOPO JOnBUJPO BOE UIF JODSFBTF JO SBUF BSF DBVTJOH BO JODSFBTF JO CBOLJOH DPNQFUJUJPO PXFWFS JU JT GPSUVOBUF UIBU UIF QFSGPSNBODF PGCBOL 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 -BCBFSTJI FUODPNF 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 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GVOET NBJOMZ DPSQPSBUF EFQPTJUT FYQFSJFODFE IJHI HSPXUI XIJDI JT OPU DPNQBSBCMF UP DSFEJUHSPXUI JNQBDUJOHPOUIFEFDMJOJOHBDIJFWFNFOU OUIF4FDPOE 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 -BJOOZB 5PUBMPUIFSTPQFSBUJPOBMJODPNF 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 ,JSJSOBO6BOH ,VTUPEJBO 77 - UIFJODSFBTFJOOFUJOUFSFTUNBSHJO . 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 -BJOOZB 5PUBMFFBTFEODPNF 3BUJPFFBTFE 5PUBM1FOEBQBUBO0QFSBTJPOBM 3Q+VUB Des 13 Des 14 YoY eo 3Q.JMMJPO 1FOEBQBUBO,SFEJU FFDSFEJU 1FOEBQBUBO1, FF1, 1FOEBQBUBO5. FF5. BSBOTJBOL BOLVBSBOUFF 1FOEBQBUBOEBO,PNJTJ FFBOEPNNJTTJPO ,JSJNBO6BOH 3FNJUUBODF ,VTUPEJBO VTUPEZ - - Payment Point 1BZNFOU1PJOU 3FLTBEBOB .VUVBMVOET 8FTUFSO6OJPO 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 TFCFTBS 3Q USJMJVO 1FOJOHLBUBO UFSTFCVU CFSBTBM EBSJ CFCBOUFOBHBLFSKBZBOHNFOJOHLBUTFCFTBS NFOKBEJ 3Q NJMJBS EJCBOEJOHLBO UBIVO TFCFTBS 3Q NJMJBS TFKBMBO EFOHBO CFSUBNCBIOZB KVNMBI QFHBXBJ NFOKBEJLBSZBXBOUFUBQTFEBOHLBOQBEBUBIVO TFKVNMBILBSZBXBO 3BTJP CJBZB UFSIBEBQ QFOEBQBUBO 010 NFOHBMBNJ LFOBJLBO NFOKBEJ 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 ZBOHUFSEJSJEBSJ 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 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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 QFNCFSJBO TVLV CVOHB EBOB 4FTVBJ 4UBUJTUJL 1FSCBOLBO OEPOFTJB 41 USFO TVLV CVOHB 1, QFSCBOLBO IJOHHB QPTJTJ+VMJNBTJIUFSVTNFOJOHLBUEBOUFMBICFSBEBEJBUBT TVLVCVOHBBDVBO 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 4PDJBMFMQPPLT BOUVBO4PTJBM1FOEBNQJOHBO 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