bjb prioritas Bogor 7. bjb prioritas Tangerang bjb prioritas Kelapa Gading 9. bjb prioritas Semarang bjb prioritas Surabaya bjb prioritas Tasikmalaya 6. bjb prioritas Bogor bjb prioritas Tangerang 8. bjb prioritas Kelapa Gading bjb prioritas Semarang
6. bjb prioritas Bogor 7. bjb prioritas Tangerang
8. bjb prioritas Kelapa Gading 9. bjb prioritas Semarang
10. bjb prioritas Surabaya
Perubahan Nama Rebranding Setelah layanan bjb prioritas berjalan selama kurang lebih 5 tahun, bank bjb kembali melakukan apresiasi terhadap para nasabah primanya dengan melakukan rebranding dan relaunching bjb prioritas, dengan mengganti nama menjadi bjb precious pada 12 Desember 2012.5. bjb prioritas Tasikmalaya 6. bjb prioritas Bogor
7. bjb prioritas Tangerang 8. bjb prioritas Kelapa Gading
9. bjb prioritas Semarang 10. bjb prioritas Surabaya
Rebranding After providing services for around 5 years, bank bjb made an apreciation for its premium customers by changing its name into bjb precious on December 12, 2012. DPK bjb Precious Third Party Fund bjb Precious Rp miliar Rp billion 2011 2.602 2011 1.533 2011 812 2011 480 2012 3.017 AnnualReport• Laporan Tahunan 2012 AnnualReport• bank bjb 106 AnnualReport• AnnualReport• Tujuan rebranding layanan bjb prioritas menjadi bjb precious dimaksud untuk menjadikan bjb precious sebagai suatu brand yang kuat di mata masyarakat, sehingga dapat menyampaikan pesan yang jelas dan tegas kepada nasabahmasyarakat luas dan menegaskan kredibilitas serta eksklusivitas layanan bjb precious. Pada akhirnya, hal ini akan meningkatkan customer loyalty serta menambah nilai makna dan memiliki daya saing terhadap layanan sejenis yang dimiliki oleh competitor. Dengan brand baru tersebut, nasabah prioritas bank bjb semakin memiliki identitas yang eksklusif. Keunggulan Layanan bjb precious Sebagai layanan prima, nasabah bjb precious berhak mendapatkan layanan terbaik dan eksklusif dengan berbagai: - Kemudahan bjb precious sangat memahami kesibukan dan berharganya waktu nasabah. Untuk itu, bjb precious menyediakan berbagai kemudahan untuk anda dalam melaksanakan transaksi perbankan, diantaranya: • Pelayanantransaksiperbankansecarapersonaldaribjb prioritas. • Savedepositbox. • Sertaberagamkemudahanlainnya. - Keramahan Keramahan dan ketulusan adalah sikap utama dalam melayani nasabah sebagai member bjb precious. bjb precious siap membantu menangani segala urusan perbankan anda secara profesional. - Kenyamanan Demi menjaga kenyamanan dan privacy setiap transaksi yang dilakukan, maka setiap nasabah akan dilayani di ruangan yang didisain khusus sebagai komitmen untuk senantiasa memberikan yang terbaik untuk anda. - Keuntungan lainnya - Kartu member bjb precious dapat digunakan di lebih dari 743 ATM bank bjb, 23.609 ATM Bersama, dan 17.000 PRIMA ATM di seluruh Indonesia. - Fasilitas pemakaian ruang meeting. - Airport lounge, fasilitas ruang tunggu di bandara, hanya dengan menunjukan kartu member bjb precious. - Travel arrangement. - Nasabah tidak perlu antri untuk bertransaksi. - Customer gathering. The rebranding from bjb prioritas to bjb precious aims at building a strong perception in the public towards the brand, sending a clear and firm message to bjb’s customers as well as strengthening its credibility and exclusiveness. Eventually, this will enhance the loyality of bjb’s customers as well as adding competitive edge against other similar services from competitors. Under the new brand name, bjb’s priority customers will have a more exclusive identity. Excellent Services at bjb Precious As premium customers, bjb precious customers deserve to enjoy the best and exclusive services including: - Convenience. bjb precious understands how precious time is for customers. Hence, bjb precious provides various banking transaction facilities for customers namely: • Personalbankingtransactionfrombjb prioritas. • SaveDepositBox • Otherfacilities. - Hospitality Hospitality and cincerity are our main attitudes in providing services for bjb precious customers. bjb precious is ready to take care of all banking transactions professionally. - Comfort. In order to maintain the comfort and privacy of every transaction, bjb provides a special room for bjb precious customers. It shows our commitment to provide the best services. - Other benefits - bjb precious member card can be used in all bjb’s 743 ATMs, and 23,609 joint ATMs, and 17,000 PRIMA ATMs in all over Indonesia. - Facility to use conference room. - Airport lounges, only by showing bjb precious member card. - Travel arrangement. - No need to queue in the bank - Customer gathering bjb precious AnnualReport• AnnualReport• Performance Good Corporate Laporan Tahunan 2012 AnnualReport• bank bjb 107 AnnualReport• Kinerja bjb precious Sejak diluncurkan, pertumbuhan bjb precious meningkat secara signifikan dari tahun ke tahun. DPK bjb precious per Desember 2008 hingga Desember 2012 bjb precious third party funds as of December 2008 – Decem- ber 2012 OBP Des-12 Des-11 Des-10 Des-09 Des-08 NSB NOMINAL dalam Miliarin Billion NSB NOMINAL dalam Miliarin Billion NSB NOMINAL dalam Miliarin Billion NSB NOMINAL dalam Miliarin Billion NSB NOMINAL dalam Miliarin Billion BANDUNG 1.045 1.081,40 823 1.074,77 497 538,95 531 535.75 307 270,00 JAKARTA 168 231,19 115 102,41 227 439,55 126 144.21 86 114,13 SERANG 260 299,65 180 251,57 144 183,72 131 132.67 95 96,13 CIREBON 161 187,87 133 142,55 93 108,23 TASIKMALAYA 121 113,76 85 98,26 53 51,59 BOGOR 236 225,05 181 215,73 154 129,62 BEKASI 131 148,89 104 114,11 91 82,15 KELAPA GADING 147 364,40 97 286,67 - TANGERANG 127 121,89 72 96,86 - SEMARANG 89 45,82 83 50,05 - SURABAYA 151 197,50 113 169,33 - 2.636 3.017,41 1.986 2.602,31 1.259 1.533,83 788 812.63 488 480,26 Kegiatan Pemasaran 2012 Dalam mengelola pertumbuhannya, bjb telah melakukan beberapa kegiatan pemasaran, diantaranya sebagai berikut: 1. Melakukan customer gathering untuk lebih meningkatkan hubungan yang baik dengan nasabah, baik nasabah existing maupun prospect customer. 2. Penyelengaraan program Member Get Member nasabah bjb precious. 3. Melakukan program promosi dengan membagikan voucher belanja bagi member bjb precious yang melakukan top-up dana. 4. Mengikutsertakan nasabah dalam kegiatan yang dikemas secara eksklusif dan bersifat hobby, yang diberikan kepada nasabah dengan persyaratan tertentu, seperti misalnya pada acara Golf yang diadakan di Padang Golf Halim di Jakarta Timur. bjb precious performance Since its launching, bjb precious has shown significant growth each year. 2012 Marketing Activities bjb precious has made several marketing activities including: 1. Customer gatherings and mini gatherings to maintain relation with the existing or prospective customers.2. Member get member program for bjb precious customers.
Parts
» bjb ar 2012 INDIGO Editorial 19MAR
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok
» bjb successfully posted a net profit of Rp 1.9 trillion, or
» Peluang peningkatan image bank bjb dengan turut serta
» Pengembangan jaringan bank bjb diluar Provinsi Jawa
» Network development of bank bjb outside West Java,
» Pengembangan jaringan waroeng bjb;
» Overall, the performance of the bank bjb as dealer of
» bank bjb juga bekerja sama dengan beberapa perguruan
» respectively. The increased LDR represents bank bjb
» 2011 on the bank bjb Formation of Structure Members of
» 2011 on the Formation of Structure Members of bank bjb’s
» Persiapan dan Pelaksanaan RUPSLB bank bjb Preparation and implementation of bank bjb EGMS
» Program Ide Kreatif untuk bank bjb
» Creative Idea Program for bank bjb
» bank bjb Service Excellence Awards Program
» Expanding the network to areas unserved bank bjb with
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Establishment and general information about the Bank continued
» Maksud dan tujuan Purpose and objectives
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Jaringan kantor Office network
» Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum saham Public offering of shares Penawaran umum obligasi Public offering of bonds
» Penawaran umum obligasi lanjutan Public offering of bonds continued
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Establishment and general information about the subsidiaries continued
» Establishment and general information about the subsidiary continued
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi Principles of consolidation
» Prinsip konsolidasi lanjutan Principles of consolidation continued
» Penjabaran mata uang asing Foreign
» Penjabaran mata uang asing lanjutan Foreign currency translation continued
» Aset keuangan dan liabilitas keuangan Financial assets and liabilities
» Aset keuangan dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Giro pada Bank Indonesia dan bank lain lanjutan
» Current accounts with Bank Indonesia and other banks continued
» Penempatan pada Bank Indonesia dan bank Surat berharga Marketable securities
» Surat berharga lanjutan Marketable securities continued
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Marketable securities purchased under agreements to resell Reverse Repo
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Instrumen keuangan derivatif lanjutan
» Derivative financial SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Kredit yang diberikan lanjutan Loans continued
» Pembiayaan syariah SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Sharia financing SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan
» Identification and SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investments in shares
» Penyertaan saham lanjutan Investments in shares continued Aset tetap Fixed assets
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi
» Impairment of non-financial assets and commitments and contingencies
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi lanjutan
» Impairment of non-financial assets and commitments
» Beban dibayar dimuka SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prepaid expenses SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Simpanan nasabah, Simpanan nasabah syariah dan Dana syirkah temporer
» Deposits from customers, Sharia deposits from customers and Temporary syirkah
» Simpanan nasabah, Simpanan nasabah syariah
» Simpanan dari bank lain Deposits from other banks
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Marketable securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Efek hutang yang diterbitkan Debt securities issued
» Pendapatan dan beban bunga Interest income and expense
» Pendapatan dan beban bunga lanjutan Interest income and expense continued
» Pendapatan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fees and commission income sharia
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» KAS CASH GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» Berdasarkan mata uang By currency
» By transactions with certain parties
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rate per annum
» Berdasarkan kolektibilitas GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Transaksi dengan pihak tertentu Transaction with certain parties
» Transaksi dengan pihak tertentu lanjutan Transaction
» Berdasarkan sisa umur hingga jatuh tempo By remaining period until maturity
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Berdasarkan jenis PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By type and counterparty bank continued
» Perubahan cadangan kerugian penurunan
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan penerbit lanjutan SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer continued SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo By maturity
» Berdasarkan efek pemerintah dan bukan pemerintah
» By government SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES bjb ar 2012 INDIGO Editorial 19MAR
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR DAN TAGIHAN LAINNYA lanjutan
» Berdasarkan jenis, KREDIT YANG DIBERIKAN LOANS
» By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kisaran suku bunga Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Ikhtisar kredit KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Non-performing loans by economic sector continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas By type and collectibility
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil Range of equivalent margin and profit Ikhtisar pembiayaan
» Perubahan cadangan kerugian penurunan nilai Movements
» TAGIHAN AKSEPTASI ACCEPTANCE RECEIVABLES
» PENYERTAAN SAHAM INVESTMENT IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» Movements in the allowance for impairment losses
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» Perubahan cadangan kerugian penurunan nilai properti terbengkalai
» Movements in ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Simpanan nasabah lanjutan Deposits from customers continued
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» MARKETABLE SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» Obligasi VII Bank BJB Bank BJB Bonds VII
» Obligasi VII Bank BJB lanjutan Bank BJB Bonds VII continued
» Obligasi VI Bank BJB Bank BJB Bonds VI
» Obligasi VI Bank BJB lanjutan Bank BJB Bonds VI continued
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Movements in the estimated losses on commitments and contingencies
» Taxes payable INCOME TAX a. Hutang pajak
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset pajak tangguhan Deferred tax assets
» Aset pajak tangguhan lanjutan Deferred tax assets continued
» Surat ketetapan pajak Tax assessment letters
» Perubahan tarif pajak Changes in tax rate
» Perubahan tarif pajak lanjutan Changes in tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL
» OTHER PAID-UP CAPITAL bjb ar 2012 INDIGO Editorial 19MAR
» PENGGUNAAN LABA DISTRIBUTION OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATANBEBAN NON-OPERASIONAL NON-OPERATING INCOMEEXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN bjb ar 2012 INDIGO Editorial 19MAR
» IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan RELATED PARTY TRANSACTIONS continued
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING lanjutan
» MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT bjb ar 2012 INDIGO Editorial 19MAR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» Risiko kepatuhan lanjutan Compliance risks continued
» JAMINAN PEMERINTAH bjb ar 2012 INDIGO Editorial 19MAR
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM
» ATM terminal operational service provider agreement
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» Pengikatan jual beli gedung kantor Sale-purchased
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan PERNYATAAN STANDAR
» REVISED STATEMENTS bjb ar 2012 INDIGO Editorial 19MAR
» REKLASIFIKASI SURAT BERHARGA YANG DIMILIKI
» RECLASSIFICATION OF bjb ar 2012 INDIGO Editorial 19MAR
» PENYELESAIAN LAPORAN bjb ar 2012 INDIGO Editorial 19MAR
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