158
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
FCFSBQBJOJTJBUJGZBOHEJKBMBOLBOTFQBOKBOHUBIVO
EJ BOUBSBOZBBEBMBI
A. Pemasaran dan Promosi
Perusahaan senantiasa gencar memperkenalkan produk ZBOH EJNJMJLJ LFQBEB OBTBCBI ZBOH UFMBI BEB NBVQVO
calon nasabah. Kegiatan pemasaran dan promosi dilakukan melalui beragam saluran komunikasi dan
TUSBUFHJ
ZBOHEJBOUBSBOZBBEBMBI
1. Produk Trade Finance
Kegiatan pemasaran untuk produk USBEF mOBODF
, di BOUBSBOZBEJMBLVLBONFMBMVJ
a. Gathering dengan nasabah dan calon nasabah
QPUFOTJBM
TFQFSUJ ,1.
,1.
LPNVOJUBT CJTOJT
BTPTJBTJ QFOHVTBIB
,BEJO
1.
11
ZBOHNFNJMJLJPSJFOUBTJUSBOTBLTJFLTQPSJNQPSEBO perdagangan dalam negeri.
C .FNCFSJLBO FEVLBTJ LFQBEB NBTZBSBLBU luas, seperti bank
bjb secara regular menjadi
OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH NFMJCBULBO para eksportir dan importir bekerja sama dengan
Dinas perindustrian dan Perdagangan Jawa BSBU EJ TFMVSVI ,PUB EBO LBCVQBUFO EJ 8JMBZBI
kerja bank bjb dan Kementrian Perdagangan
TFSUBLIVTVTOZBZBOHEJTFMFOHHBSBLBOPMFIBMBJ Pelatihan.
c. Mengembangkan jaringan bank koresponden dan
counterparty untuk memperluas network. 4BBU JOJ
UFMBI MFCJI EBSJ CBOL LPSFTQPOEFO
dibuka dengan bank di berbagai negara maupun MFNCBHBLFVBOHBOOPOCBOLMBJOOZB
E 4FMBJO JUV
VOUVL NFOHPQUJNBMLBO QFSBOOZB sebagai
QSPmU DFOUFS ,
Financial Institution TFDBSB CFSLFTJOBNCVOHBO CFSVQBZB VOUVL
TFOBOUJBTB NFOBOHLBQ QFMVBOH CJTOJT ZBOH dapat meningkatkan
fee based income BM JUV
dilakukan melalui hubungan kerja sama dengan Counterparty.
2. Produk Remitansi
Beberapa kegiatan pemasaran di bidang remitansi ini EJMBLVLBOEJEBMBNEBOMVBSOFHFSJ
NJTBMOZB
a. kegiatan sponsorship
65 3 CFLFSKB TBNB EFOHBO ,POTVMBU +FOESBM 3FQVCMJL OEPOFTJB EJ
POH,POH 4PNF PG UIF JOJUJBUJWFT VOEFSUBLFO EVSJOH UIF ZFBS
BNPOHPUIFST
A. Marketing and Promotion
5IF PNQBOZ DPOUJOVPVTMZ JOUSPEVDFE QSPEVDUT UP UIF existing and prospective customers. Marketing and
QSPNPUJPOBMBDUJWJUJFTXFSFDBSSJFEPVUUISPVHIBWBSJFUZPG DPNNVOJDBUJPODIBOOFMTBOETUSBUFHJFT
XIJDIJODMVEFE
1. Products Trade Finance
.BSLFUJOH BDUJWJUJFT GPS UIF USBEF mOBODF QSPEVDUT JODMVEFE
a. Gathering with customers and potential customers, TVDI BT ,1.
,1.
CVTJOFTT DPNNVOJUZ
business associations, The Chamber of Commerce, 1.
11XJUIUIFPSJFOUBUJPOPGFYQPSUJNQPSU
transactions and domestic trade. C EVDBUF UIF HFOFSBM QVCMJD
BNPOH PUIFST CZ
SFHVMBSMZCFJOHUIFHVFTUTQFBLFSBUWBSJPVTFWFOUT involving exporters and importers in collaboration
XJUIUIFFQBSUNFOUPGOEVTUSZBOEPNNFSDFPG West Java in all of the cities and districts in the work
areas of bank bjb
BOEUIF.JOJTUSZPGPNNFSDF BOEJOQBSUJDVMBSPSHBOJ[FECZUIF5SBJOJOHFOUSF
c. Develop a network of correspondent banks and DPVOUFSQBSUJFT UP FYQBOE UIF OFUXPSL VSSFOUMZ
NPSFUIBODPSSFTQPOEFOUCBOLTBSFPQFOFE with banks in various countries and other non-bank
mOBODJBMJOTUJUVUJPOT E OBEEJUJPO
UPPQUJNJ[FJUTSPMFBTBQSPmUDFOUFS
JOBODJBMOTUJUVUJPODPOUJOVPVTMZTUSJWFUPDBQUVSF business opportunities that can increase fee-
based income. This was performed through a cooperative relationship with the Counterparties.
2. Remittance Products
4PNF PG UIF NBSLFUJOH BDUJWJUJFT JO UIF mFME PG SFNJUUBODFQFSGPSNFEEPNFTUJDBMMZBOEBCSPBEXFSF
B 3 OOJWFSTBSZ PNNFNNPSBUJPO TQPOTPSTIJQ JO collaboration with the Consulate General of the
3FQVCMJDPGOEPOFTJBJOPOH,POH
INTERNASIONAL TRESURI
159
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
b. Pemasaran bersama Agent Remittance di
Singapura. c. Kerja sama dengan Kementerian Tenaga Kerja
dan Transmigrasi Indonesia melakukan edukasi mengenai produk-produk perbankan, terutama
remitansi kepada TKI Purna TKI dan keluarga 5, ZBOH QBEB QFMBLTBOBBOZB CFLFSKB TBNB
dengan instansi pemerintah seperti Kementerian 5FOBHB,FSKB
JTOBLFSUSBOT+BXBBSBU
15,
EBO8PSMEBOLZBOHUFMBIEJMBLVLBOEJ UVKVI MPLBTJ LBOUPOH 5, ZBJUV FOQBTBS
JSFCPO
3BOHLBT
BOKBS
5BTJL
JCVCVSEBO4VLBCVNJ
B. Pengembangan Infrastruktur
6OUVLNFOEVLVOHVQBZBCBOL
bjb
NFNCFSJLBOMBZBOBO prima kepada nasabah, Divisi Internasional terus
NFNQFSLVBU EBO NFNBOUBQLBO JOGSBTUSVLUVSOZB ZBOH EJMBLVLBO QBEB QFOHFNCBOHBO BQMJLBTJ MBZBOBO EBO
TVNCFSEBZBNBOVTJB
1. Infrastruktur di Bidang Trade Finance dan Jasa
Penanganan dokumen
USBEF mOBODF dan jasa
ZBOH EJMBLVLBO TFDBSB UFSQVTBU TFKBL UBIVO Pengelolaan transaksi operasional dilaksanakan oleh
checker EBO BOBMJT ZBOH CFSQFOHBMBNBO EJ CJEBOH
USBEFmOBODF dan jasa, sehingga semakin memberikan
OJMBJ UBNCBI EBMBN NFNCFSJLBO QFMBZBOBO QSJNB kepada nasabah bank
bjb sesuai dengan komitmen
bank. Untuk itu bank bjb sedang melakukan
QFOHFNCBOHBO TJTUFN 5 1MVT ZBOH EJIBSBQLBO dapat segera diimplementasikan termasuk rencana
NFOFSBQLBO 4FSUJmLBTJ 40 EBMBN NFNCFSJLBO QFMBZBOBO LFQBEB OBTBCBI HVOB
NFOJOHLBULBOEBZBTBJOH
2. Infrastruktur di Bidang Remitansi bjb quickcash
Pengembangan Aplikasi
bjb quickcash juga dilakukan
secara terus menerus untuk mewujudkan bisnis model SFNJUBOTJ ZBOH TFNBLJO EBQBU EJBOEBMLBO JOHHB
akhir tahun 2014, alternatif solusi Host to Host terus
dikembangkan disesuaikan dengan kebutuhan agar dapat lebih optimal dan
user friendly. Selain itu, pengembangan aplikasi
bjb quickcash melalui
mekanisme Web Portal juga sedang dalam proses
QFOHFNCBOHBO
EBOSFODBOBOZBQBEBUBIVO akan dikembangkan alternatif solusi melalui
Online Solution.
C +PJOU NBSLFUJOH XJUI UIF 3FNJUUBODF HFOU JO Singapore.
D PPQFSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE Transmigration Indonesia to educate about
CBOLJOH QSPEVDUT
NBJOMZ SFNJUUBODF UP UIF Indonesian Workers TKI ex-TKI and their families
in collaboration with the government agencies such BTUIF.JOJTUSZPG-BCPVS
UIFPBSEPG.BOQPXFS
and Transmigration of West Java Disnakertrans, 15, BOE UIF 8PSME BOL QFSGPSNFE JO
TFWFO
MPDBUJPOT OBNFMZ FOQBTBS
JSFCPO 3BOHLBT
BOKBS
5BTJL
JCVCVSBOE4VLBCVNJ
B. Development of Infrastructure
To support the efforts of bank bjb to provide excellent
servicea to customers, the International Division continued UP TUSFOHUIFO BOE TPMJEJGZ JUT JOGSBTUSVDUVSF UISPVHI UIF
development of application of services and human resources.
,QIUDVWUXFWXUH LQ WKH ÀHOG RI 7UDGH LQDQFH DQG Services
5IFIBOEMJOHPG5SBEFmOBODFEPDVNFOUTBOETFSWJDFT JTQFSGPSNFEDFOUSBMMZTJODF.BOBHFNFOUPGUIF
USBOTBDUJPOT JT DBSSJFE PVU CZ DIFDLFS BOE BOBMZTUT FYQFSJFODFEJOUIFmFMEPGUSBEFmOBODFBOETFSWJDFT
thus providing added value in providing excellent services to customers of bank
bjb in accordance
with the Bank’s commitments. To that end, bank bjb
JT DVSSFOUMZ EFWFMPQJOH UIF 5 1MVT TZTUFN XIJDI is expected to be implemented including the plan
UP BQQMZ 40 JO QSPWJEJOH TFSWJDFT UP customers in order to increase competitiveness.
2. Infrastructure in Remittance bjb quickcash
The development of bjb quickcash application is also QFSGPSNFE DPOUJOVPVTMZ UP SFBMJ[F BO JODSFBTJOHMZ
reliable business model of remittance. Until the end of UIFBMUFSOBUJWFTPMVUJPOPGPTUUPPTUDPOUJOVFT
to be developed adapted to the needs in order to CF NPSF PQUJNBM BOE VTFS GSJFOEMZ O BEEJUJPO
UIF
development of bjb quickcash through the web portal mechanism is also in the process of development, and
in 2015 the Online Solution the will be develop as an alternative solution.
INTERNATIONAL TREASURY
160
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
C. Pengembangan Layanan
1. Komitmen untuk memberikan service excellent
terhadap nasabah, dengan selalu mengedepankan SLA
Service Level Agreement dalam memberikan QFMBZBOBO 1FOHFMPMBBO 0QFSBTJPOBM
Trade Finance TFDBSB UFSQVTBU NFNCFSJLBO CFOFmU CFSVQB
standardisasi dan konsistensi terhadap pemenuhan SLA dalam penanganan transaksi perdagangan.
,PNJUNFO VOUVL NFNCFSJLBO QFMBZBOBO QSJNB kepada nasabah remitansi melalui optimalisasi fungsi
Unit CSC Customer Service Care untuk penanganan
complaint handling. 3. Melaksanakan fungsi
advisory untuk memberikan TPMVTJUFSCBJLMBZBOBOQFSCBOLBOUFSLBJUUSBEFmOBODF
bagi nasabah. 1FOBNCBIBO KBSJOHBO TFSUB TJTUFN ZBOH UFSVT
dikembangkan untuk dapat mendukung transaksi bjb
quickcash EBMBNNFOKBOHLBVOBTBCBIZBOHCFSBEB
di daerah.
D. Proses Bisnis
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C. Development of Services
1. We are committed to provide service excellence UP PVS DVTUPNFST
CZ BMXBZT QSJPSJUJ[JOH UIF 4-
Service Level Agreement in providing services. The centralized management of Trade Finance operations
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of trade transactions. 2. The commitment to provide excellent service to the
remittance customers through the optimization of the function of the CSC Unit Customer Service Care for
the handling of complaint. BSSZ PVU BO BEWJTPSZ GVODUJPO UP QSPWJEF UIF CFTU
TPMVUJPOTPGCBOLJOHTFSWJDFTSFMBUFEUPUSBEFmOBODF to our customers.
5IF BEEJUJPO PG OFUXPSLT BOE TZTUFN XIJDI BSF DPOTUBOUMZ EFWFMPQFE UP TVQQPSU CKC RVJDLDBTI
transactions in reaching the customers in the regions.
D. Business Process
3FmOFNFOU PG UIF CVTJOFTT QSPDFTT UISPVHI UIF QSFQBSBUJPO PG UIF JNQMFNFOUBUJPO PG 40
DFSUJmDBUJPO
INTERNASIONAL TRESURI
161
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
KINERJA 2014
Trade Finance
1FOHFNCBOHBOCJTOJTZBOHEJMBLVLBOTFQBOKBOHUBIVO UFMBI NFOVOKVLBO USFO ZBOH DVLVQ QPTJUJG BM JOJ EJUBOEBJ
dengan kinerja bisnis USBEF mOBODF
bank bjb
ZBOH CFSIBTJM meraih total volume transaksi selama tahun 2014 mencapai
WPMVNF
NJMJBSUFSNBTVLEJEBMBNOZBWPMVNFUSBOTBLTJ antarbank.
Bisnis Remitansi
Kinerja pencapain target fee based remittance selama
tahun 2014 secara keseluruhan mencapai 114,45 dari target. Pencapaian tersebut terjadi selaras dengan strategi
QFNBTBSBO ZBOH UFMBI EJMBLVLBO TFMBNB UBIVO
ZBJUV QFOBNCBIBO5FSNJOBMTVCBHFOU 13
BHFOEJMVBSOFHFSJ
QSPNPTJQSPNPTJZBOHUFMBIEJMBLVLBOTFQBOKBOHUBIVO EBOCFSUBNCBIOZBKBSJOHBOLBOUPSCBOL
bjb.
1FMBZBOBO SFNJUBOTJ CBOL
bjb
TBBU JOJ CJTB EJMBZBOJ EJ outlet. Seiring penambahan outlet ke depan, diharapkan
semakin meningkatkan perolehan fee based dari bisnis
remitansi.
2014 PERFORMANCE
Trade Finance
Business development conducted throughout 2014 has shown QPTJUJWFUSFOE5IJTXBTSFnFDUFECZUIFQFSGPSNBODFPGCBOL
bjb
T USBEF mOBODF XJUI B UPUBM USBOTBDUJPO WPMVNF PG billion throughout 2014, including the volume of interbank
transactions.
Remittance Business
The achievement of the target of fee-based remittance during 2014 overall reached 114.45 of the target. The achievement
XBTBMJHOFEXJUIUIFNBSLFUJOHTUSBUFHZUIBUIBTCFFODBSSJFE PVUEVSJOH
OBNFMZUIFBEEJUJPOPG5FSNJOBMTVCBHFOU
13
PWFSTFBT BHFOUT
QSPNPUJPOT DPOEVDUFE UISPVHIPVU 2014, and the increase of bank
bjb
PGmDFOFUXPSL bank
bjb
T SFNJUUBODF TFSWJDFT BSF DVSSFOUMZ TFSWFE JO outlets. The addition of outlets in the future is expected to
further increase fee-based acquisition from the remittance business.
INTERNATIONAL TREASURY
162
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
INTERNASIONAL TRESURI
RENCANA 2015
Dalam rangka meningkatkan kinerja jasa pada unit usaha internasional, bank
bjb
UFMBI NFOZJBQLBO TFKVNMBI JOJTJBUJG ZBOHBLBOEJSFBMJTBTJLBOQBEBUBIVO
2015 PLAN
In order to improve the performance of services in the international business unit, bank
bjb prepared a number of
JOJUJBUJWFTUIBUXJMMCFSFBMJ[FEJO
OBNFMZ
163
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
INTERNATIONAL TREASURY
TRESURI
JWJTJ 5SFBTVSZ TFCBHBJ QFOHFMPMB MJLVJEJUBT CBOL TFDBSB keseluruhan, senantiasa terus meningkatkan aktivitas
CJTOJTOZBEBMBNSBOHLBPQUJNBMJTBTJMJLVJEJUBTEBOQFOJOHLBUBO QFOEBQBUBO CBOL BNVO QBEB UBIVO
1FSVTBIBBO
NFNBOEBOHTFCBHBJQFSJPEFZBOHQFOVIUBOUBOHBOEJQBTBS keuangan.
Dari pasar domestik, suasana politik akibat Pemilu serta QFMFNBIBOQFSFLPOPNJBOOEPOFTJBEFOHBOUJOHHJOZBEFmTJU
OFSBDB QFSEBHBOHBO
UFMBI NFOEPSPOH LFOBJLBO JOnBTJ 4FNFOUBSB EBSJ QBTBS HMPCBM
nVLUVBTJ QBTBS LFVBOHBO
terutama disebabkan oleh rencana kenaikan suku bunga Amerika Serikat Fed
Rate TFUFMBI CFSBLIJSOZB QSPHSBN
stimulus ekonomi Quantitative Easing.
Selain itu, pemerintah memutuskan untuk menaikan harga .CFSTVCTJEJTFCFTBS3QQFSMJUFSZBOHNFNCFSJLBO
UFLBOBO JOnBTJ TFIJOHHB BOL OEPOFTJB NFOBJLBO Rate
NFOKBEJTFCFTBS
EJQFOHIVKVOHUBIVOBNVO demikian, kenaikan suku bunga acuan tersebut masih dalam
LPSJEPS ZBOH UFSKBHB
TFIJOHHB MJLVJEJUBT EBMBN BLUJWJUBT transaksi pasar uang antar bank tetap terjaga.
Selain itu, dinamika nilai tukar rupiah terhadap dolar AS juga memberikan tantangan tersendiri bagi Perusahaan,
LIVTVTOZB JWJTJ 5SFBTVSZ 4FCBC CBOL
bjb harus menjaga
LFTFJNCBOHBO EBMBN QFOHFMPMBBO NBUB VBOH
LIVTVTOZB terkait dengan mata uang asing agar tidak menjadi beban
Perusahaan.
STRATEGI
Di tengah Dinamika eksternal seperti itu, Perusahaan telah mengimplementasikan sejumlah inisiatif strategi demi
menjaga kinerja bank bjb agar tetap sesuai dengan koridor.
FCFSBQBJOJTJBUJGUFSTFCVU
EJBOUBSBOZB
1. Lindung Nilai
Strategi lindung nilai hedging ini sejalan dengan
LFCJKBLBO BOL OEPOFTJB EBO ,FNFOUFSJBO 6. ZBOH NFOHJNCBV BHBS LPSQPSBTJ BEBO 6TBIB .JMJL
FHBSB 6.
NFMBLVLBOUSBOTBLTJMJOEVOHOJMBJEBMBN mengelola nilai tukar dan suku bunga.
TREASURY
5IF 5SFBTVSZ JWJTJPO BT UIF PWFSBMM NBOBHFS PG UIF BOLT MJRVJEJUZ BMXBZT JODSFBTFT JUT CVTJOFTT BDUJWJUJFT JO PSEFS UP
PQUJNJ[FUIFBOLTMJRVJEJUZBOEJODSFBTFSFWFOVFPXFWFS UIF PNQBOZ TFFT BT B DIBMMFOHJOH QFSJPE JO UIF
mOBODJBMNBSLFU
In the domestic market, the political condition due to the presidential election and the weakening of the Indonesian
FDPOPNZ EVF UP UIF IJHI EFmDJU PG UIF CBMBODF PG USBEF DBVTFEJOnBUJPOUPSJTF.FBOXIJMFJOUIFHMPCBMNBSLFU
UIF
nVDUVBUJPOTXJUIJOUIFmOBODJBMNBSLFUXBTNBJOMZDBVTFECZ UIFQMBOUPJODSFBTF64JOUFSFTUSBUFT FE3BUF
BGUFSUIFFOE
of the Quantitative Easing economic stimulus program. In addition, the Government decided to raise the price of
TVCTJEJ[FE GVFM BU 3Q
QFS MJUFS QSPWJEJOH JOnBUJPOBSZ QSFTTVSFDBVTJOHBOLOEPOFTJBUPSBJTFUIF3BUFUP
BUUIFFOEPGPXFWFS
UIFJODSFBTFJOUIFCFODINBSL interest rate still remained within a maintained corridor, thus
MJRVJEJUZ XJUIJO UIF UIF JOUFSCBOL NPOFZ NBSLFU USBOTBDUJPOT was able to be maintained.
VSUIFSNPSF
UIF EZOBNJDT PG UIF FYDIBOHF SBUF PG 3VQJBI against the US dollar also provided a challenge for the
PNQBOZ
QBSUJDVMBSMZ UIF 5SFBTVSZ JWJTJPO CFDBVTF CBOL
bjb
CBOLTNVTUNBJOUBJOBCBMBODFJODVSSFODZNBOBHFNFOU QBSUJDVMBSMZ XJUI SFTQFDU UP GPSFJHO DVSSFODZ TP BT OPU UP
CFDPNFBCVSEFOGPSUIFPNQBOZ
STRATEGY
O UIF NJETU PG TVDI FYUFSOBM EZOBNJDT
UIF PNQBOZ implemented a number of strategic initiatives in order to
maintain the bank bjb
QFSGPSNBODFTPUIBUJUTUBZTXJUIJOUIF DPSSJEPS4PNFPGUIFTFJOJUJBUJWFTJODMVEF
1. Hedging