Kredit UMKM Laporan Tahunan bank bjb 2015 AR BJB 2015 (web)

Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance bank bjb Lapor an Tahunan 20 15 Annual Repor t 148 Int ernasional Tresuri Int ernat io nal Treasury Internasional Divisi Int er nasional mengelola ber bagai layanan pr oduk per bankan t er kait t r ansaksi per dagangan int er nasional dan per dagangan lokal, seper t i pener bit an let t er of cr edit LC impor dan out going SKBDN, pr e shipment f inancing dan post shipment f inancing pr oduk t r ade f inance, r emit ansi, dan money changer . Unt uk mendukung kelancar an t r ansaksi, Per ser oan memiliki lebih dar i 40 0 bank kor esponden dan 10 Deposit or y Cor r espondent dengan 15 Nost r o Account yang t er dir i dar i 9 cur r ency. Selain it u, Per ser oan juga mengembangkan ker ja sama st r at egis dengan lembaga keuangan bank maupun non bank, t idak hanya melalui pembent ukan cr edit line unt uk mendukung bisnis Bank t et api juga melakukan t r ansaksi ant ar bank dengan underlying tr ade f inance untuk meningkatkan f ee base dan inter est income. Str ategi ini dilakukan untuk mendukung t er capainya laba Per ser oan. Tantangan dan Strategi 20 15 Per lambanan yang t er jadi pada per ekonomian global sangat ber pengar uh t er hadap kiner ja nasabah yang ber ger ak di bidang per dagangan ekspor dan impor . Kondisi ini, pada akhir nya ber pot ensi member ikan pengar uh negat if bagi kegiat an usaha Per ser oan di bidang layanan jasa per bankan int er nasional. Dalam r angka mengant isipasi t er jadinya kont r aksi pada kiner ja usaha ser t a unt uk mendukung pencapaian t ar get , sepanjang t ahun Per ser oan t er us mengembangkan pr oduk dan layanan t er baik. Beber apa hal yang t elah dilakukan, ant ar a lain: 1. Pengembangan pr oduk ant ar bank yang t elah dilakukan melalui pr oduk Guar ant ee under counter guar antee, yait u pener bit an gar ansi bank yang dit ujukan kepada per usahaan yang ber ger ak di bidang minyak dan gas, ser t a counter par ty bank tr ade f inancing yaitu pembiayaan yang diber ikan kepada counter par ty bank unt uk pener bit an SKBDN. International The Int er nat ional Division manages var ious banking pr oduct ser vices per t aining t o int er nat ional t r ade and local t r ade t r ansact ions, such as t he issuance of an impor t let t er of cr edit LC and out going SKBDN, pr e-shipment f inancing and post -shipment f inancing t r ade f inance pr oduct , r emit t ances, and money changer . To suppor t t hese t r ansact ions, t he Bank has over 40 0 cor r espondent banks and 10 Deposit or y Cor r espondent s wit h 15 Nost r o Account t hat compr ise of 9 cur r encies. Mor eover , t he Bank also develops st r at egic cooper at ion wit h bank as well as non-bank f inancial inst it ut ions, not only t hr ough t he est ablishment of cr edit lines t o suppor t t he Bank’s business but also t hr ough int er -bank t r ansact ions wit h under lying t r ade f inance t o incr ease f ee base and int er est income. This st r at egy is car r ied out t o suppor t t he Bank’s pr of it abilit y. 20 15 Challenges and Strategy The slowdown t hat occur r ed in t he global economy st r ongly af f ect ed t he expor t and impor t cust omer ’s per f or mance. This condit ion, subsequent ly pot ent ially had a negat ive impact on t he Bank’s business in t he f ield of int er nat ional banking ser vices. In t er ms of ant icipat ing a cont r act ion t o t he business per f or mance as well as t o suppor t t he achievement of t he t ar get s, t he Bank cont inues t o develop t he best pr oduct s and ser vices t hr oughout t he year . The act ions t aken included: 1. Development of int er -bank pr oduct s t hat wer e car r ied out t hr ough Guar ant ee under count er guar ant ee pr oduct , specif ically issuing a bank guar ant ee aimed at companies t hat oper at e in t he oil and gas business, as well as count er par t y bank t r ade f inancing, wher ein f inancing is pr ovided t o t he count er par t y bank t o issue a SKBDN.